Home > Bank of Texas > Performance and Condition Ratios
Bank of Texas, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4640% | 655 |
Cost of funding earning assets | 2.4553% | 938 |
Net interest margin | 4.0087% | 1,270 |
Noninterest income to average assets | 0.0700% | 4,241 |
Noninterest expense to average assets | 1.3902% | 4,278 |
Loan and lease loss provision to assets | 0.0000% | 2,722 |
Net operating income to assets | 1.9716% | 479 |
Return on assets (ROA) | 1.9716% | 479 |
Pretax return on assets | 2.5559% | 291 |
Return on Equity (ROE) | 17.9700% | 647 |
Retained earnings to average equity (ytd only) | 17.9736% | 239 |
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 | 35.2298% | 4,353 |
Assets per employee ($millions) | 20.3913% | 98 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3426% | 1,526 |
Loan loss allowance to noncurrent loans | 105.9250% | 2,859 |
Noncurrent assets plus other real estate owned to assets | 0.9779% | 728 |
Noncurrent loans to loans | 1.2675% | 821 |
Net loans and leases to total assets | 76.1200% | 1,069 |
Net loans and leases to deposits | 93.3227% | 812 |
Net loans and leases to core deposits | 168.9840% | 83 |
Total domestic deposits to total assets | 81.5600% | 3,387 |
Equity capital to assets | 10.9600% | 1,680 |
Core capital (leverage) ratio | 11.3087% | 1,833 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6709% | 2,317 |
Memoranda: | ||
Average total assets | $538,049,000 | 1,694 |
Average earning assets | $520,171,000 | 1,643 |
Average equity | $59,020,000 | 1,564 |
Average total loans | $439,563,500 | 1,456 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2842% | 292 |
Cost of funding earning assets | 2.4423% | 1,267 |
Net interest margin | 4.8419% | 414 |
Noninterest income to average assets | 0.0800% | 4,282 |
Noninterest expense to average assets | 1.3779% | 4,318 |
Loan and lease loss provision to assets | 0.0000% | 3,171 |
Net operating income to assets | 2.6077% | 199 |
Return on assets (ROA) | 2.6077% | 201 |
Pretax return on assets | 3.3288% | 150 |
Return on Equity (ROE) | 21.5000% | 316 |
Retained earnings to average equity (ytd only) | -18.6729% | 4,448 |
Net charge-offs to loans | 0.0000% | 3,099 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 29.2750% | 4,427 |
Assets per employee ($millions) | 20.2128% | 102 |
Cash dividends to net income (ytd only)* | 186.8353% | 56 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2812% | 1,757 |
Loan loss allowance to noncurrent loans | 107.5374% | 2,909 |
Noncurrent assets plus other real estate owned to assets | 1.0300% | 637 |
Noncurrent loans to loans | 1.1914% | 848 |
Net loans and leases to total assets | 85.3500% | 194 |
Net loans and leases to deposits | 105.0260% | 286 |
Net loans and leases to core deposits | 193.6148% | 53 |
Total domestic deposits to total assets | 81.2600% | 3,364 |
Equity capital to assets | 10.9789% | 1,596 |
Core capital (leverage) ratio | 10.9350% | 2,034 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.5598% | 2,643 |
Memoranda: | ||
Average total assets | $533,645,400 | 1,692 |
Average earning assets | $510,295,200 | 1,657 |
Average equity | $64,714,000 | 1,403 |
Average total loans | $448,326,600 | 1,413 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3713% | 269 |
Cost of funding earning assets | 2.4361% | 1,286 |
Net interest margin | 4.9353% | 359 |
Noninterest income to average assets | 0.0800% | 4,299 |
Noninterest expense to average assets | 1.3729% | 4,341 |
Loan and lease loss provision to assets | 0.0000% | 3,009 |
Net operating income to assets | 2.6817% | 193 |
Return on assets (ROA) | 2.6817% | 197 |
Pretax return on assets | 3.4142% | 153 |
Return on Equity (ROE) | 21.6100% | 331 |
Retained earnings to average equity (ytd only) | -30.5423% | 4,516 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 28.6799% | 4,463 |
Assets per employee ($millions) | 20.6081% | 97 |
Cash dividends to net income (ytd only)* | 241.3217% | 30 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3403% | 1,557 |
Loan loss allowance to noncurrent loans | 926.9108% | 765 |
Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,908 |
Noncurrent loans to loans | 0.1446% | 2,961 |
Net loans and leases to total assets | 79.9700% | 631 |
Net loans and leases to deposits | 97.8886% | 597 |
Net loans and leases to core deposits | 168.8702% | 97 |
Total domestic deposits to total assets | 81.6900% | 3,166 |
Equity capital to assets | 10.1851% | 2,171 |
Core capital (leverage) ratio | 10.0103% | 2,829 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.5239% | 2,683 |
Memoranda: | ||
Average total assets | $535,673,250 | 1,684 |
Average earning assets | $511,084,500 | 1,649 |
Average equity | $66,468,000 | 1,363 |
Average total loans | $446,821,500 | 1,409 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3890% | 250 |
Cost of funding earning assets | 2.3842% | 1,286 |
Net interest margin | 5.0048% | 333 |
Noninterest income to average assets | 0.0800% | 4,310 |
Noninterest expense to average assets | 1.3722% | 4,356 |
Loan and lease loss provision to assets | 0.0000% | 2,867 |
Net operating income to assets | 2.7112% | 197 |
Return on assets (ROA) | 2.7112% | 199 |
Pretax return on assets | 3.4696% | 151 |
Return on Equity (ROE) | 20.6200% | 415 |
Retained earnings to average equity (ytd only) | 3.5807% | 2,858 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 28.3412% | 4,478 |
Assets per employee ($millions) | 21.0830% | 88 |
Cash dividends to net income (ytd only)* | 82.6332% | 605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3568% | 1,515 |
Loan loss allowance to noncurrent loans | 313.6315% | 1,772 |
Noncurrent assets plus other real estate owned to assets | 0.3386% | 1,813 |
Noncurrent loans to loans | 0.4326% | 1,912 |
Net loans and leases to total assets | 77.2100% | 1,010 |
Net loans and leases to deposits | 98.2304% | 641 |
Net loans and leases to core deposits | 165.7983% | 114 |
Total domestic deposits to total assets | 78.6000% | 3,640 |
Equity capital to assets | 12.9585% | 878 |
Core capital (leverage) ratio | 13.1572% | 1,041 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1255% | 1,483 |
Memoranda: | ||
Average total assets | $535,627,333 | 1,682 |
Average earning assets | $509,514,667 | 1,644 |
Average equity | $70,433,000 | 1,306 |
Average total loans | $450,994,667 | 1,400 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.5246% | 219 |
Cost of funding earning assets | 2.2916% | 1,353 |
Net interest margin | 5.2330% | 250 |
Noninterest income to average assets | 0.0600% | 4,368 |
Noninterest expense to average assets | 1.3684% | 4,376 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 2.8865% | 181 |
Return on assets (ROA) | 2.8865% | 181 |
Pretax return on assets | 3.6572% | 132 |
Return on Equity (ROE) | 21.7900% | 353 |
Retained earnings to average equity (ytd only) | 4.6768% | 2,502 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 27.2290% | 4,485 |
Assets per employee ($millions) | 19.7974% | 106 |
Cash dividends to net income (ytd only)* | 78.5340% | 750 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2751% | 1,878 |
Loan loss allowance to noncurrent loans | 311.7836% | 1,868 |
Noncurrent assets plus other real estate owned to assets | 0.3493% | 1,712 |
Noncurrent loans to loans | 0.4090% | 1,911 |
Net loans and leases to total assets | 84.3200% | 247 |
Net loans and leases to deposits | 114.1057% | 129 |
Net loans and leases to core deposits | 177.1628% | 111 |
Total domestic deposits to total assets | 73.8900% | 4,140 |
Equity capital to assets | 13.2022% | 815 |
Core capital (leverage) ratio | 13.4504% | 925 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0100% | 1,873 |
Memoranda: | ||
Average total assets | $529,362,000 | 1,700 |
Average earning assets | $502,349,000 | 1,672 |
Average equity | $70,133,000 | 1,302 |
Average total loans | $461,976,500 | 1,380 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0274% | 219 |
Cost of funding earning assets | 1.7287% | 1,393 |
Net interest margin | 5.2987% | 240 |
Noninterest income to average assets | 0.0600% | 4,411 |
Noninterest expense to average assets | 1.1851% | 4,468 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 3.7366% | 111 |
Return on assets (ROA) | 3.7366% | 113 |
Pretax return on assets | 3.9896% | 116 |
Return on Equity (ROE) | 29.9800% | 183 |
Retained earnings to average equity (ytd only) | 2.3603% | 3,490 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 22.9021% | 4,519 |
Assets per employee ($millions) | 19.5878% | 103 |
Cash dividends to net income (ytd only)* | 92.1261% | 352 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2560% | 1,985 |
Loan loss allowance to noncurrent loans | 725.7108% | 1,120 |
Noncurrent assets plus other real estate owned to assets | 0.1530% | 2,502 |
Noncurrent loans to loans | 0.1731% | 2,655 |
Net loans and leases to total assets | 87.2700% | 110 |
Net loans and leases to deposits | 112.6317% | 152 |
Net loans and leases to core deposits | 177.9538% | 105 |
Total domestic deposits to total assets | 77.4800% | 3,789 |
Equity capital to assets | 13.1783% | 829 |
Core capital (leverage) ratio | 12.8950% | 1,086 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7116% | 1,976 |
Memoranda: | ||
Average total assets | $557,746,000 | 1,591 |
Average earning assets | $538,832,800 | 1,527 |
Average equity | $69,525,000 | 1,253 |
Average total loans | $471,142,600 | 1,294 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9173% | 211 |
Cost of funding earning assets | 1.5861% | 1,398 |
Net interest margin | 5.3312% | 217 |
Noninterest income to average assets | 0.0500% | 4,454 |
Noninterest expense to average assets | 1.1347% | 4,497 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 3.7899% | 119 |
Return on assets (ROA) | 3.7899% | 119 |
Pretax return on assets | 4.0759% | 131 |
Return on Equity (ROE) | 30.8200% | 206 |
Retained earnings to average equity (ytd only) | 1.6483% | 3,808 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 21.7763% | 4,547 |
Assets per employee ($millions) | 20.6731% | 93 |
Cash dividends to net income (ytd only)* | 94.6510% | 276 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2921% | 1,903 |
Loan loss allowance to noncurrent loans | 725.7108% | 1,103 |
Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,572 |
Noncurrent loans to loans | 0.1781% | 2,658 |
Net loans and leases to total assets | 83.4400% | 331 |
Net loans and leases to deposits | 107.2342% | 266 |
Net loans and leases to core deposits | 165.2708% | 90 |
Total domestic deposits to total assets | 77.8100% | 3,839 |
Equity capital to assets | 12.8028% | 854 |
Core capital (leverage) ratio | 12.3691% | 1,283 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9696% | 1,910 |
Memoranda: | ||
Average total assets | $564,964,750 | 1,565 |
Average earning assets | $546,481,000 | 1,504 |
Average equity | $69,482,250 | 1,250 |
Average total loans | $472,071,250 | 1,291 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6843% | 218 |
Cost of funding earning assets | 1.4450% | 1,352 |
Net interest margin | 5.2393% | 227 |
Noninterest income to average assets | 0.0400% | 4,512 |
Noninterest expense to average assets | 1.1158% | 4,531 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 4.0040% | 100 |
Return on assets (ROA) | 4.0040% | 101 |
Pretax return on assets | 4.0040% | 115 |
Return on Equity (ROE) | 32.9800% | 169 |
Retained earnings to average equity (ytd only) | 0.8436% | 3,938 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 21.7936% | 4,571 |
Assets per employee ($millions) | 23.8052% | 69 |
Cash dividends to net income (ytd only)* | 97.4421% | 348 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2575% | 2,139 |
Loan loss allowance to noncurrent loans | 725.7108% | 1,193 |
Noncurrent assets plus other real estate owned to assets | 0.1416% | 2,561 |
Noncurrent loans to loans | 0.1733% | 2,613 |
Net loans and leases to total assets | 80.6900% | 558 |
Net loans and leases to deposits | 101.9405% | 433 |
Net loans and leases to core deposits | 154.8823% | 121 |
Total domestic deposits to total assets | 79.1600% | 3,699 |
Equity capital to assets | 11.9279% | 1,070 |
Core capital (leverage) ratio | 12.1054% | 1,316 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5151% | 2,087 |
Memoranda: | ||
Average total assets | $574,119,667 | 1,546 |
Average earning assets | $557,097,000 | 1,473 |
Average equity | $69,704,667 | 1,241 |
Average total loans | $477,974,000 | 1,258 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5048% | 179 |
Cost of funding earning assets | 1.1979% | 1,456 |
Net interest margin | 5.3070% | 195 |
Noninterest income to average assets | 0.0500% | 4,540 |
Noninterest expense to average assets | 1.1148% | 4,597 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 4.0902% | 98 |
Return on assets (ROA) | 4.0902% | 97 |
Pretax return on assets | 4.0902% | 109 |
Return on Equity (ROE) | 33.4000% | 182 |
Retained earnings to average equity (ytd only) | 33.3979% | 90 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 21.4181% | 4,639 |
Assets per employee ($millions) | 23.6974% | 73 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2151% | 2,478 |
Loan loss allowance to noncurrent loans | 628.5867% | 1,378 |
Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,357 |
Noncurrent loans to loans | 0.1933% | 2,505 |
Net loans and leases to total assets | 83.9200% | 242 |
Net loans and leases to deposits | 109.7282% | 185 |
Net loans and leases to core deposits | 172.0640% | 67 |
Total domestic deposits to total assets | 76.4800% | 4,129 |
Equity capital to assets | 12.9228% | 772 |
Core capital (leverage) ratio | 13.1811% | 918 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9394% | 1,993 |
Memoranda: | ||
Average total assets | $575,517,500 | 1,565 |
Average earning assets | $558,660,500 | 1,493 |
Average equity | $70,483,500 | 1,243 |
Average total loans | $483,515,000 | 1,262 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3752% | 925 |
Cost of funding earning assets | 0.6331% | 778 |
Net interest margin | 3.7421% | 1,281 |
Noninterest income to average assets | 0.0200% | 4,633 |
Noninterest expense to average assets | 1.0373% | 4,638 |
Loan and lease loss provision to assets | 0.2500% | 370 |
Net operating income to assets | 2.3611% | 170 |
Return on assets (ROA) | 2.3611% | 165 |
Pretax return on assets | 2.3611% | 251 |
Return on Equity (ROE) | 21.2000% | 379 |
Retained earnings to average equity (ytd only) | 11.4171% | 804 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 28.3989% | 4,663 |
Assets per employee ($millions) | 23.2919% | 76 |
Cash dividends to net income (ytd only)* | 46.1578% | 1,587 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2134% | 2,326 |
Loan loss allowance to noncurrent loans | 625.9062% | 1,366 |
Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,409 |
Noncurrent loans to loans | 0.1939% | 2,506 |
Net loans and leases to total assets | 82.0900% | 398 |
Net loans and leases to deposits | 103.0444% | 333 |
Net loans and leases to core deposits | 156.6434% | 80 |
Total domestic deposits to total assets | 79.6600% | 3,923 |
Equity capital to assets | 11.5869% | 1,057 |
Core capital (leverage) ratio | 11.7248% | 1,401 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8236% | 2,443 |
Memoranda: | ||
Average total assets | $580,377,000 | 1,539 |
Average earning assets | $563,590,400 | 1,468 |
Average equity | $64,622,400 | 1,328 |
Average total loans | $443,682,600 | 1,286 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8476% | 1,625 |
Cost of funding earning assets | 0.5460% | 590 |
Net interest margin | 3.3016% | 2,289 |
Noninterest income to average assets | 0.0200% | 4,670 |
Noninterest expense to average assets | 1.0031% | 4,676 |
Loan and lease loss provision to assets | 0.0700% | 1,430 |
Net operating income to assets | 2.1486% | 228 |
Return on assets (ROA) | 2.1486% | 226 |
Pretax return on assets | 2.1486% | 351 |
Return on Equity (ROE) | 19.5000% | 481 |
Retained earnings to average equity (ytd only) | 15.8447% | 293 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 31.0910% | 4,683 |
Assets per employee ($millions) | 26.0917% | 61 |
Cash dividends to net income (ytd only)* | 18.7266% | 2,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0303% | 3,347 |
Loan loss allowance to noncurrent loans | 499.0486% | 1,594 |
Noncurrent assets plus other real estate owned to assets | 0.1511% | 2,556 |
Noncurrent loans to loans | 0.2064% | 2,568 |
Net loans and leases to total assets | 72.4200% | 1,242 |
Net loans and leases to deposits | 90.0821% | 885 |
Net loans and leases to core deposits | 130.4796% | 146 |
Total domestic deposits to total assets | 80.4000% | 4,062 |
Equity capital to assets | 10.8052% | 1,251 |
Core capital (leverage) ratio | 11.6049% | 1,396 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1502% | 2,404 |
Memoranda: | ||
Average total assets | $579,896,750 | 1,545 |
Average earning assets | $563,348,500 | 1,478 |
Average equity | $63,910,500 | 1,350 |
Average total loans | $433,637,750 | 1,294 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4713% | 2,221 |
Cost of funding earning assets | 0.5352% | 429 |
Net interest margin | 2.9361% | 3,071 |
Noninterest income to average assets | 0.0195% | 4,705 |
Noninterest expense to average assets | 1.0204% | 4,687 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.8563% | 298 |
Return on assets (ROA) | 1.8563% | 292 |
Pretax return on assets | 1.8563% | 518 |
Return on Equity (ROE) | 16.7220% | 601 |
Retained earnings to average equity (ytd only) | 13.9291% | 366 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.4723% | 4,684 |
Assets per employee ($millions) | 22.8682% | 72 |
Cash dividends to net income (ytd only)* | 16.7017% | 2,592 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0203% | 3,516 |
Loan loss allowance to noncurrent loans | 399.6364% | 1,790 |
Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,380 |
Noncurrent loans to loans | 0.2553% | 2,454 |
Net loans and leases to total assets | 74.5917% | 855 |
Net loans and leases to deposits | 95.4393% | 454 |
Net loans and leases to core deposits | 159.9997% | 40 |
Total domestic deposits to total assets | 78.1562% | 4,344 |
Equity capital to assets | 11.3081% | 1,096 |
Core capital (leverage) ratio | 11.2565% | 1,453 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7754% | 2,579 |
Memoranda: | ||
Average total assets | $564,462,333 | 1,590 |
Average earning assets | $549,307,333 | 1,524 |
Average equity | $62,660,000 | 1,397 |
Average total loans | $425,442,000 | 1,311 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2622% | 2,494 |
Cost of funding earning assets | 0.5403% | 393 |
Net interest margin | 2.7219% | 3,362 |
Noninterest income to average assets | 0.0193% | 4,723 |
Noninterest expense to average assets | 1.0128% | 4,715 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.6618% | 445 |
Return on assets (ROA) | 1.6618% | 446 |
Pretax return on assets | 1.6618% | 740 |
Return on Equity (ROE) | 15.1138% | 630 |
Retained earnings to average equity (ytd only) | 15.1138% | 281 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.8667% | 4,686 |
Assets per employee ($millions) | 24.1687% | 68 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0625% | 3,481 |
Loan loss allowance to noncurrent loans | 398.1884% | 1,745 |
Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,490 |
Noncurrent loans to loans | 0.2668% | 2,520 |
Net loans and leases to total assets | 70.5740% | 963 |
Net loans and leases to deposits | 90.0653% | 509 |
Net loans and leases to core deposits | 147.8745% | 45 |
Total domestic deposits to total assets | 78.3587% | 4,384 |
Equity capital to assets | 10.8256% | 1,422 |
Core capital (leverage) ratio | 11.0166% | 1,507 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4629% | 2,420 |
Memoranda: | ||
Average total assets | $560,841,500 | 1,601 |
Average earning assets | $547,123,500 | 1,539 |
Average equity | $61,665,500 | 1,449 |
Average total loans | $422,743,000 | 1,318 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5750% | 2,454 |
Cost of funding earning assets | 0.6009% | 537 |
Net interest margin | 2.9741% | 3,264 |
Noninterest income to average assets | 0.0533% | 4,717 |
Noninterest expense to average assets | 1.0565% | 4,745 |
Loan and lease loss provision to assets | 0.1138% | 1,106 |
Net operating income to assets | 1.7505% | 572 |
Return on assets (ROA) | 1.7505% | 592 |
Pretax return on assets | 1.7505% | 1,025 |
Return on Equity (ROE) | 14.2234% | 1,123 |
Retained earnings to average equity (ytd only) | 8.2321% | 1,448 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.1728% | 4,750 |
Assets per employee ($millions) | 21.6654% | 89 |
Cash dividends to net income (ytd only)* | 42.1230% | 1,924 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0182% | 3,670 |
Loan loss allowance to noncurrent loans | 297.4290% | 2,059 |
Noncurrent assets plus other real estate owned to assets | 0.2729% | 2,183 |
Noncurrent loans to loans | 0.3423% | 2,351 |
Net loans and leases to total assets | 78.8965% | 326 |
Net loans and leases to deposits | 102.3601% | 159 |
Net loans and leases to core deposits | 171.3212% | 34 |
Total domestic deposits to total assets | 77.0773% | 4,460 |
Equity capital to assets | 11.1767% | 1,684 |
Core capital (leverage) ratio | 11.8836% | 1,134 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4457% | 2,788 |
Memoranda: | ||
Average total assets | $474,674,000 | 1,760 |
Average earning assets | $457,649,000 | 1,720 |
Average equity | $58,418,000 | 1,545 |
Average total loans | $384,288,400 | 1,416 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6220% | 2,496 |
Cost of funding earning assets | 0.6190% | 579 |
Net interest margin | 3.0030% | 3,295 |
Noninterest income to average assets | 0.0542% | 4,796 |
Noninterest expense to average assets | 1.0703% | 4,819 |
Loan and lease loss provision to assets | 0.1136% | 1,057 |
Net operating income to assets | 1.7600% | 733 |
Return on assets (ROA) | 1.7600% | 762 |
Pretax return on assets | 1.7600% | 1,259 |
Return on Equity (ROE) | 13.9230% | 1,413 |
Retained earnings to average equity (ytd only) | 10.2379% | 1,250 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.3564% | 4,807 |
Assets per employee ($millions) | 19.2607% | 117 |
Cash dividends to net income (ytd only)* | 26.4682% | 2,248 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1000% | 3,437 |
Loan loss allowance to noncurrent loans | 323.3816% | 1,888 |
Noncurrent assets plus other real estate owned to assets | 0.2622% | 2,460 |
Noncurrent loans to loans | 0.3401% | 2,566 |
Net loans and leases to total assets | 76.2353% | 534 |
Net loans and leases to deposits | 101.5538% | 195 |
Net loans and leases to core deposits | 180.7481% | 38 |
Total domestic deposits to total assets | 75.0689% | 4,598 |
Equity capital to assets | 12.0215% | 1,390 |
Core capital (leverage) ratio | 12.5973% | 954 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5442% | 2,533 |
Memoranda: | ||
Average total assets | $457,934,000 | 1,840 |
Average earning assets | $440,665,250 | 1,787 |
Average equity | $57,888,250 | 1,586 |
Average total loans | $372,429,000 | 1,477 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6587% | 2,446 |
Cost of funding earning assets | 0.6310% | 636 |
Net interest margin | 3.0278% | 3,251 |
Noninterest income to average assets | 0.0568% | 4,825 |
Noninterest expense to average assets | 1.0873% | 4,851 |
Loan and lease loss provision to assets | 0.0857% | 1,435 |
Net operating income to assets | 1.7933% | 731 |
Return on assets (ROA) | 1.7933% | 766 |
Pretax return on assets | 1.7933% | 1,255 |
Return on Equity (ROE) | 13.9292% | 1,431 |
Retained earnings to average equity (ytd only) | 11.1280% | 1,098 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.6565% | 4,827 |
Assets per employee ($millions) | 19.2986% | 106 |
Cash dividends to net income (ytd only)* | 20.1106% | 2,508 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0313% | 3,712 |
Loan loss allowance to noncurrent loans | 308.1493% | 1,855 |
Noncurrent assets plus other real estate owned to assets | 0.2835% | 2,507 |
Noncurrent loans to loans | 0.3347% | 2,710 |
Net loans and leases to total assets | 83.8298% | 139 |
Net loans and leases to deposits | 111.4917% | 95 |
Net loans and leases to core deposits | 207.6693% | 32 |
Total domestic deposits to total assets | 75.1892% | 4,607 |
Equity capital to assets | 12.7229% | 1,041 |
Core capital (leverage) ratio | 13.1600% | 762 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1624% | 2,661 |
Memoranda: | ||
Average total assets | $443,653,000 | 1,865 |
Average earning assets | $426,322,333 | 1,827 |
Average equity | $57,117,333 | 1,595 |
Average total loans | $367,900,333 | 1,493 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6627% | 2,467 |
Cost of funding earning assets | 0.6558% | 669 |
Net interest margin | 3.0069% | 3,241 |
Noninterest income to average assets | 0.0544% | 4,840 |
Noninterest expense to average assets | 1.1072% | 4,884 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.8299% | 744 |
Return on assets (ROA) | 1.8299% | 799 |
Pretax return on assets | 1.8299% | 1,235 |
Return on Equity (ROE) | 14.1251% | 1,409 |
Retained earnings to average equity (ytd only) | 14.1251% | 742 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.6962% | 4,811 |
Assets per employee ($millions) | 18.1940% | 127 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0534% | 3,633 |
Loan loss allowance to noncurrent loans | 2,050.5263% | 363 |
Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,065 |
Noncurrent loans to loans | 0.0514% | 4,034 |
Net loans and leases to total assets | 83.8056% | 157 |
Net loans and leases to deposits | 106.6004% | 164 |
Net loans and leases to core deposits | 201.1532% | 37 |
Total domestic deposits to total assets | 78.6166% | 4,370 |
Equity capital to assets | 13.2244% | 854 |
Core capital (leverage) ratio | 13.3097% | 775 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3472% | 2,548 |
Memoranda: | ||
Average total assets | $433,896,500 | 1,887 |
Average earning assets | $415,975,500 | 1,848 |
Average equity | $56,212,000 | 1,602 |
Average total loans | $355,692,000 | 1,543 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8452% | 3,179 |
Cost of funding earning assets | 0.9251% | 787 |
Net interest margin | 2.9201% | 4,075 |
Noninterest income to average assets | 0.0304% | 4,897 |
Noninterest expense to average assets | 1.0873% | 4,915 |
Loan and lease loss provision to assets | 0.0486% | 3,787 |
Net operating income to assets | 1.7277% | 463 |
Return on assets (ROA) | 1.7277% | 502 |
Pretax return on assets | 1.7277% | 807 |
Return on Equity (ROE) | 13.5065% | 921 |
Retained earnings to average equity (ytd only) | 7.4293% | 1,221 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.9708% | 4,908 |
Assets per employee ($millions) | 17.9640% | 118 |
Cash dividends to net income (ytd only)* | 44.9944% | 2,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1407% | 3,249 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 78.3162% | 575 |
Net loans and leases to deposits | 100.1430% | 373 |
Net loans and leases to core deposits | 195.3530% | 44 |
Total domestic deposits to total assets | 78.2044% | 4,296 |
Equity capital to assets | 12.6825% | 1,239 |
Core capital (leverage) ratio | 12.8592% | 934 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7235% | 2,347 |
Memoranda: | ||
Average total assets | $411,651,400 | 1,824 |
Average earning assets | $399,407,000 | 1,770 |
Average equity | $52,656,200 | 1,610 |
Average total loans | $335,105,200 | 1,557 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9515% | 3,107 |
Cost of funding earning assets | 0.9811% | 811 |
Net interest margin | 2.9705% | 4,045 |
Noninterest income to average assets | 0.0229% | 4,947 |
Noninterest expense to average assets | 1.1593% | 4,945 |
Loan and lease loss provision to assets | 0.0656% | 3,516 |
Net operating income to assets | 1.6910% | 584 |
Return on assets (ROA) | 1.6910% | 650 |
Pretax return on assets | 1.6910% | 987 |
Return on Equity (ROE) | 13.1897% | 1,055 |
Retained earnings to average equity (ytd only) | 13.1897% | 316 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.7594% | 4,898 |
Assets per employee ($millions) | 18.2605% | 106 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1954% | 2,690 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 76.6734% | 1,006 |
Net loans and leases to deposits | 98.0456% | 621 |
Net loans and leases to core deposits | 196.2867% | 41 |
Total domestic deposits to total assets | 78.2017% | 4,166 |
Equity capital to assets | 13.0195% | 1,175 |
Core capital (leverage) ratio | 13.2145% | 899 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5055% | 1,998 |
Memoranda: | ||
Average total assets | $406,780,000 | 1,818 |
Average earning assets | $396,157,000 | 1,761 |
Average equity | $52,150,500 | 1,615 |
Average total loans | $333,495,000 | 1,563 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1111% | 3,024 |
Cost of funding earning assets | 1.0196% | 928 |
Net interest margin | 3.0915% | 3,917 |
Noninterest income to average assets | 0.0234% | 4,969 |
Noninterest expense to average assets | 1.2123% | 4,972 |
Loan and lease loss provision to assets | 0.0994% | 3,032 |
Net operating income to assets | 1.7243% | 597 |
Return on assets (ROA) | 1.7243% | 648 |
Pretax return on assets | 1.7243% | 947 |
Return on Equity (ROE) | 13.5225% | 975 |
Retained earnings to average equity (ytd only) | 13.5225% | 309 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.9312% | 4,919 |
Assets per employee ($millions) | 17.3875% | 113 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1331% | 2,861 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 81.4648% | 457 |
Net loans and leases to deposits | 103.2959% | 401 |
Net loans and leases to core deposits | 207.5067% | 35 |
Total domestic deposits to total assets | 78.8655% | 4,058 |
Equity capital to assets | 12.7000% | 1,283 |
Core capital (leverage) ratio | 12.2664% | 1,268 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4212% | 2,434 |
Memoranda: | ||
Average total assets | $402,376,000 | 1,810 |
Average earning assets | $392,108,667 | 1,750 |
Average equity | $51,307,000 | 1,632 |
Average total loans | $336,020,667 | 1,530 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4416% | 2,472 |
Cost of funding earning assets | 1.0177% | 1,345 |
Net interest margin | 3.4239% | 3,229 |
Noninterest income to average assets | 0.0273% | 5,008 |
Noninterest expense to average assets | 1.2225% | 5,023 |
Loan and lease loss provision to assets | 0.2026% | 1,505 |
Net operating income to assets | 1.9417% | 302 |
Return on assets (ROA) | 1.9417% | 332 |
Pretax return on assets | 1.9417% | 520 |
Return on Equity (ROE) | 15.1956% | 525 |
Retained earnings to average equity (ytd only) | 15.1956% | 180 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.3117% | 5,027 |
Assets per employee ($millions) | 16.4446% | 107 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1231% | 3,076 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 86.9045% | 100 |
Net loans and leases to deposits | 127.8962% | 43 |
Net loans and leases to core deposits | 310.3449% | 15 |
Total domestic deposits to total assets | 67.9493% | 4,925 |
Equity capital to assets | 13.0392% | 1,412 |
Core capital (leverage) ratio | 13.0793% | 1,178 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8052% | 2,363 |
Memoranda: | ||
Average total assets | $394,914,500 | 1,788 |
Average earning assets | $385,176,000 | 1,723 |
Average equity | $50,462,000 | 1,653 |
Average total loans | $332,107,000 | 1,516 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9599% | 1,589 |
Cost of funding earning assets | 1.0199% | 1,638 |
Net interest margin | 3.9400% | 2,030 |
Noninterest income to average assets | 0.0273% | 5,087 |
Noninterest expense to average assets | 1.2186% | 5,089 |
Loan and lease loss provision to assets | 0.0199% | 3,624 |
Net operating income to assets | 2.5842% | 120 |
Return on assets (ROA) | 2.5842% | 127 |
Pretax return on assets | 2.5842% | 178 |
Return on Equity (ROE) | 20.6646% | 178 |
Retained earnings to average equity (ytd only) | 13.8900% | 130 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.8789% | 5,130 |
Assets per employee ($millions) | 16.4649% | 104 |
Cash dividends to net income (ytd only)* | 32.7835% | 2,952 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1647% | 2,619 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 79.3695% | 880 |
Net loans and leases to deposits | 99.4205% | 639 |
Net loans and leases to core deposits | 196.7128% | 42 |
Total domestic deposits to total assets | 79.8321% | 4,010 |
Equity capital to assets | 12.5170% | 1,805 |
Core capital (leverage) ratio | 12.6815% | 1,384 |
Tier 1 risk-based capital ratio | 12.7407% | 3,926 |
Total risk-based capital ratio | 13.6977% | 3,977 |
Memoranda: | ||
Average total assets | $377,715,600 | 1,810 |
Average earning assets | $363,861,000 | 1,767 |
Average equity | $47,235,400 | 1,678 |
Average total loans | $289,331,600 | 1,648 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0753% | 1,344 |
Cost of funding earning assets | 1.0124% | 1,711 |
Net interest margin | 4.0629% | 1,721 |
Noninterest income to average assets | 0.0275% | 5,160 |
Noninterest expense to average assets | 1.2199% | 5,167 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 2.7058% | 118 |
Return on assets (ROA) | 2.7058% | 124 |
Pretax return on assets | 2.7058% | 168 |
Return on Equity (ROE) | 21.6424% | 178 |
Retained earnings to average equity (ytd only) | 21.6424% | 38 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.0743% | 5,207 |
Assets per employee ($millions) | 15.8328% | 107 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1885% | 2,565 |
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 | 79.2256% | 959 |
Net loans and leases to deposits | 99.6260% | 669 |
Net loans and leases to core deposits | 201.0250% | 43 |
Total domestic deposits to total assets | 79.5230% | 4,087 |
Equity capital to assets | 13.2831% | 1,467 |
Core capital (leverage) ratio | 13.5133% | 1,122 |
Tier 1 risk-based capital ratio | 12.7492% | 3,993 |
Total risk-based capital ratio | 13.6686% | 4,072 |
Memoranda: | ||
Average total assets | $373,355,000 | 1,850 |
Average earning assets | $358,225,250 | 1,802 |
Average equity | $46,678,750 | 1,697 |
Average total loans | $282,331,750 | 1,692 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1034% | 1,213 |
Cost of funding earning assets | 0.9913% | 1,738 |
Net interest margin | 4.1121% | 1,575 |
Noninterest income to average assets | 0.0275% | 5,206 |
Noninterest expense to average assets | 1.2189% | 5,222 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 2.7628% | 111 |
Return on assets (ROA) | 2.7628% | 116 |
Pretax return on assets | 2.7628% | 164 |
Return on Equity (ROE) | 22.5791% | 151 |
Retained earnings to average equity (ytd only) | 22.5791% | 40 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.6131% | 5,253 |
Assets per employee ($millions) | 15.5158% | 97 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2903% | 2,060 |
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 | 74.3915% | 1,829 |
Net loans and leases to deposits | 91.3395% | 1,580 |
Net loans and leases to core deposits | 194.1336% | 47 |
Total domestic deposits to total assets | 81.4450% | 3,681 |
Equity capital to assets | 12.8941% | 1,644 |
Core capital (leverage) ratio | 13.3321% | 1,176 |
Tier 1 risk-based capital ratio | 12.8260% | 3,929 |
Total risk-based capital ratio | 13.7984% | 3,992 |
Memoranda: | ||
Average total assets | $371,144,330 | 1,863 |
Average earning assets | $356,897,000 | 1,814 |
Average equity | $45,413,670 | 1,732 |
Average total loans | $274,886,330 | 1,734 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9711% | 1,414 |
Cost of funding earning assets | 0.9656% | 1,717 |
Net interest margin | 4.0055% | 1,842 |
Noninterest income to average assets | 0.0291% | 5,263 |
Noninterest expense to average assets | 1.1864% | 5,284 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 2.7075% | 116 |
Return on assets (ROA) | 2.7075% | 126 |
Pretax return on assets | 2.7075% | 181 |
Return on Equity (ROE) | 22.7416% | 154 |
Retained earnings to average equity (ytd only) | 22.7416% | 65 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.4685% | 5,309 |
Assets per employee ($millions) | 15.8820% | 93 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3229% | 1,986 |
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 | 73.9431% | 1,819 |
Net loans and leases to deposits | 88.1822% | 1,848 |
Net loans and leases to core deposits | 178.1341% | 54 |
Total domestic deposits to total assets | 83.8526% | 3,096 |
Equity capital to assets | 12.4221% | 1,781 |
Core capital (leverage) ratio | 12.3613% | 1,577 |
Tier 1 risk-based capital ratio | 13.4637% | 3,620 |
Total risk-based capital ratio | 14.5438% | 3,630 |
Memoranda: | ||
Average total assets | $370,526,500 | 1,875 |
Average earning assets | $357,509,000 | 1,815 |
Average equity | $44,113,000 | 1,778 |
Average total loans | $272,009,500 | 1,752 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6503% | 1,988 |
Cost of funding earning assets | 0.9807% | 814 |
Net interest margin | 3.6696% | 3,158 |
Noninterest income to average assets | 0.0310% | 5,301 |
Noninterest expense to average assets | 1.1386% | 5,330 |
Loan and lease loss provision to assets | 0.0137% | 3,871 |
Net operating income to assets | 2.3652% | 185 |
Return on assets (ROA) | 2.3652% | 181 |
Pretax return on assets | 2.3652% | 260 |
Return on Equity (ROE) | 21.1841% | 191 |
Retained earnings to average equity (ytd only) | 13.8226% | 175 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.3701% | 5,355 |
Assets per employee ($millions) | 16.3377% | 84 |
Cash dividends to net income (ytd only)* | 34.7504% | 2,805 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3396% | 1,875 |
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 | 70.9677% | 2,424 |
Net loans and leases to deposits | 83.2823% | 2,595 |
Net loans and leases to core deposits | 165.7658% | 74 |
Total domestic deposits to total assets | 85.2135% | 2,550 |
Equity capital to assets | 11.4033% | 2,326 |
Core capital (leverage) ratio | 11.6308% | 2,004 |
Tier 1 risk-based capital ratio | 14.0620% | 3,265 |
Total risk-based capital ratio | 15.2565% | 3,216 |
Memoranda: | ||
Average total assets | $365,005,200 | 1,855 |
Average earning assets | $346,792,600 | 1,828 |
Average equity | $40,752,200 | 1,823 |
Average total loans | $267,147,200 | 1,744 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5667% | 2,081 |
Cost of funding earning assets | 0.9757% | 659 |
Net interest margin | 3.5910% | 3,397 |
Noninterest income to average assets | 0.0313% | 5,381 |
Noninterest expense to average assets | 1.1058% | 5,410 |
Loan and lease loss provision to assets | 0.0184% | 3,644 |
Net operating income to assets | 2.3147% | 219 |
Return on assets (ROA) | 2.3147% | 218 |
Pretax return on assets | 2.3147% | 333 |
Return on Equity (ROE) | 20.8474% | 223 |
Retained earnings to average equity (ytd only) | 20.8474% | 48 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.1562% | 5,423 |
Assets per employee ($millions) | 16.9435% | 71 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3798% | 1,785 |
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 | 69.4324% | 2,732 |
Net loans and leases to deposits | 82.6861% | 2,745 |
Net loans and leases to core deposits | 171.9374% | 65 |
Total domestic deposits to total assets | 83.9711% | 2,951 |
Equity capital to assets | 11.6693% | 2,133 |
Core capital (leverage) ratio | 11.9480% | 1,817 |
Tier 1 risk-based capital ratio | 14.2397% | 3,249 |
Total risk-based capital ratio | 15.4309% | 3,194 |
Memoranda: | ||
Average total assets | $362,314,500 | 1,876 |
Average earning assets | $343,816,250 | 1,841 |
Average equity | $40,227,750 | 1,850 |
Average total loans | $266,360,250 | 1,754 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4617% | 2,213 |
Cost of funding earning assets | 0.9667% | 545 |
Net interest margin | 3.4950% | 3,647 |
Noninterest income to average assets | 0.0295% | 5,444 |
Noninterest expense to average assets | 1.1181% | 5,470 |
Loan and lease loss provision to assets | 0.0279% | 3,358 |
Net operating income to assets | 2.2127% | 250 |
Return on assets (ROA) | 2.2127% | 241 |
Pretax return on assets | 2.2127% | 380 |
Return on Equity (ROE) | 20.2874% | 247 |
Retained earnings to average equity (ytd only) | 20.2874% | 61 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 33.2891% | 5,474 |
Assets per employee ($millions) | 16.8900% | 69 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3155% | 2,095 |
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 | 73.1042% | 2,101 |
Net loans and leases to deposits | 86.5068% | 2,267 |
Net loans and leases to core deposits | 186.6954% | 44 |
Total domestic deposits to total assets | 84.5069% | 2,870 |
Equity capital to assets | 11.0824% | 2,560 |
Core capital (leverage) ratio | 11.4554% | 2,107 |
Tier 1 risk-based capital ratio | 13.3459% | 3,708 |
Total risk-based capital ratio | 14.5256% | 3,673 |
Memoranda: | ||
Average total assets | $358,833,670 | 1,893 |
Average earning assets | $341,798,000 | 1,857 |
Average equity | $39,137,670 | 1,898 |
Average total loans | $267,668,670 | 1,747 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2989% | 2,515 |
Cost of funding earning assets | 0.9798% | 409 |
Net interest margin | 3.3191% | 4,135 |
Noninterest income to average assets | 0.0318% | 5,512 |
Noninterest expense to average assets | 1.1201% | 5,540 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 2.0677% | 319 |
Return on assets (ROA) | 2.0677% | 320 |
Pretax return on assets | 2.0677% | 505 |
Return on Equity (ROE) | 19.1203% | 309 |
Retained earnings to average equity (ytd only) | 19.1203% | 122 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.1371% | 5,521 |
Assets per employee ($millions) | 16.9032% | 68 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3828% | 1,904 |
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 | 71.7453% | 2,216 |
Net loans and leases to deposits | 85.0704% | 2,286 |
Net loans and leases to core deposits | 199.1990% | 40 |
Total domestic deposits to total assets | 84.3363% | 3,176 |
Equity capital to assets | 10.9951% | 2,585 |
Core capital (leverage) ratio | 11.1677% | 2,268 |
Tier 1 risk-based capital ratio | 12.8127% | 4,055 |
Total risk-based capital ratio | 13.9927% | 3,982 |
Memoranda: | ||
Average total assets | $352,461,000 | 1,941 |
Average earning assets | $335,154,000 | 1,899 |
Average equity | $38,116,500 | 1,947 |
Average total loans | $263,872,500 | 1,775 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3333% | 2,226 |
Cost of funding earning assets | 0.9045% | 365 |
Net interest margin | 3.4288% | 3,758 |
Noninterest income to average assets | 0.0346% | 5,564 |
Noninterest expense to average assets | 1.1649% | 5,590 |
Loan and lease loss provision to assets | 0.1417% | 1,602 |
Net operating income to assets | 1.9834% | 292 |
Return on assets (ROA) | 1.9834% | 294 |
Pretax return on assets | 1.9834% | 511 |
Return on Equity (ROE) | 16.7736% | 414 |
Retained earnings to average equity (ytd only) | 10.3640% | 307 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.4067% | 5,590 |
Assets per employee ($millions) | 18.4187% | 59 |
Cash dividends to net income (ytd only)* | 38.2123% | 2,934 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3250% | 2,092 |
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 | 75.9901% | 1,598 |
Net loans and leases to deposits | 89.8607% | 1,787 |
Net loans and leases to core deposits | 209.2940% | 39 |
Total domestic deposits to total assets | 84.5643% | 3,010 |
Equity capital to assets | 10.6311% | 3,017 |
Core capital (leverage) ratio | 10.9831% | 2,353 |
Tier 1 risk-based capital ratio | 12.6972% | 4,090 |
Total risk-based capital ratio | 13.9244% | 3,997 |
Memoranda: | ||
Average total assets | $303,470,400 | 2,148 |
Average earning assets | $288,119,000 | 2,109 |
Average equity | $35,883,800 | 2,029 |
Average total loans | $249,393,400 | 1,821 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3275% | 2,188 |
Cost of funding earning assets | 0.8706% | 413 |
Net interest margin | 3.4569% | 3,647 |
Noninterest income to average assets | 0.0356% | 5,631 |
Noninterest expense to average assets | 1.1599% | 5,655 |
Loan and lease loss provision to assets | 0.1142% | 1,887 |
Net operating income to assets | 2.0448% | 290 |
Return on assets (ROA) | 2.0448% | 298 |
Pretax return on assets | 2.0448% | 501 |
Return on Equity (ROE) | 16.7854% | 455 |
Retained earnings to average equity (ytd only) | 16.7854% | 82 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 34.9484% | 5,655 |
Assets per employee ($millions) | 16.1868% | 72 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2970% | 2,366 |
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 | 83.9105% | 441 |
Net loans and leases to deposits | 101.6168% | 642 |
Net loans and leases to core deposits | 210.1344% | 39 |
Total domestic deposits to total assets | 82.5755% | 3,592 |
Equity capital to assets | 12.3418% | 1,750 |
Core capital (leverage) ratio | 12.2101% | 1,563 |
Tier 1 risk-based capital ratio | 13.3373% | 3,802 |
Total risk-based capital ratio | 14.5369% | 3,745 |
Memoranda: | ||
Average total assets | $291,849,250 | 2,225 |
Average earning assets | $277,197,250 | 2,187 |
Average equity | $35,553,750 | 2,056 |
Average total loans | $244,366,250 | 1,860 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1776% | 2,554 |
Cost of funding earning assets | 0.8562% | 394 |
Net interest margin | 3.3214% | 4,044 |
Noninterest income to average assets | 0.0377% | 5,671 |
Noninterest expense to average assets | 1.1667% | 5,708 |
Loan and lease loss provision to assets | 0.1047% | 1,935 |
Net operating income to assets | 1.9252% | 354 |
Return on assets (ROA) | 1.9252% | 364 |
Pretax return on assets | 1.9252% | 616 |
Return on Equity (ROE) | 15.8779% | 548 |
Retained earnings to average equity (ytd only) | 15.8779% | 107 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.4986% | 5,689 |
Assets per employee ($millions) | 15.5734% | 74 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3105% | 2,359 |
Loan loss allowance to noncurrent loans | 6,452.9412% | 115 |
Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,224 |
Noncurrent loans to loans | 0.0203% | 5,085 |
Net loans and leases to total assets | 83.7553% | 475 |
Net loans and leases to deposits | 100.6232% | 692 |
Net loans and leases to core deposits | 189.0582% | 51 |
Total domestic deposits to total assets | 83.2366% | 3,487 |
Equity capital to assets | 12.2317% | 1,770 |
Core capital (leverage) ratio | 12.2690% | 1,495 |
Tier 1 risk-based capital ratio | 13.2905% | 3,808 |
Total risk-based capital ratio | 14.5077% | 3,748 |
Memoranda: | ||
Average total assets | $286,616,000 | 2,266 |
Average earning assets | $272,598,330 | 2,218 |
Average equity | $34,752,670 | 2,093 |
Average total loans | $238,669,330 | 1,897 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0442% | 2,882 |
Cost of funding earning assets | 0.8637% | 348 |
Net interest margin | 3.1805% | 4,405 |
Noninterest income to average assets | 0.0397% | 5,744 |
Noninterest expense to average assets | 1.1760% | 5,773 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.8881% | 375 |
Return on assets (ROA) | 1.8881% | 389 |
Pretax return on assets | 1.8881% | 656 |
Return on Equity (ROE) | 15.6439% | 574 |
Retained earnings to average equity (ytd only) | 15.6439% | 211 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 38.3796% | 5,720 |
Assets per employee ($millions) | 15.1426% | 85 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2978% | 2,548 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 83.0266% | 459 |
Net loans and leases to deposits | 98.2895% | 749 |
Net loans and leases to core deposits | 187.6679% | 45 |
Total domestic deposits to total assets | 84.4715% | 3,301 |
Equity capital to assets | 12.0664% | 1,785 |
Core capital (leverage) ratio | 12.1968% | 1,509 |
Tier 1 risk-based capital ratio | 13.3013% | 3,887 |
Total risk-based capital ratio | 14.5138% | 3,828 |
Memoranda: | ||
Average total assets | $281,977,000 | 2,315 |
Average earning assets | $268,138,000 | 2,259 |
Average equity | $34,032,500 | 2,149 |
Average total loans | $232,445,000 | 1,942 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8504% | 3,738 |
Cost of funding earning assets | 0.9340% | 245 |
Net interest margin | 2.9164% | 5,108 |
Noninterest income to average assets | 0.0377% | 5,801 |
Noninterest expense to average assets | 1.1365% | 5,836 |
Loan and lease loss provision to assets | 0.1829% | 1,297 |
Net operating income to assets | 1.4753% | 877 |
Return on assets (ROA) | 1.4753% | 899 |
Pretax return on assets | 1.4753% | 1,668 |
Return on Equity (ROE) | 12.4128% | 1,140 |
Retained earnings to average equity (ytd only) | 7.5640% | 1,015 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.6651% | 5,772 |
Assets per employee ($millions) | 14.5392% | 93 |
Cash dividends to net income (ytd only)* | 39.0625% | 2,905 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4093% | 2,036 |
Loan loss allowance to noncurrent loans | 314,100.0000% | 1 |
Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,455 |
Noncurrent loans to loans | 0.0004% | 5,325 |
Net loans and leases to total assets | 79.5428% | 961 |
Net loans and leases to deposits | 94.7272% | 1,119 |
Net loans and leases to core deposits | 191.9300% | 44 |
Total domestic deposits to total assets | 83.9704% | 3,428 |
Equity capital to assets | 12.0723% | 1,756 |
Core capital (leverage) ratio | 11.6746% | 1,812 |
Tier 1 risk-based capital ratio | 13.6422% | 3,681 |
Total risk-based capital ratio | 14.8925% | 3,584 |
Memoranda: | ||
Average total assets | $273,301,800 | 2,338 |
Average earning assets | $258,365,000 | 2,291 |
Average equity | $32,482,600 | 2,203 |
Average total loans | $213,047,400 | 2,023 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8078% | 3,899 |
Cost of funding earning assets | 0.9353% | 242 |
Net interest margin | 2.8725% | 5,229 |
Noninterest income to average assets | 0.0357% | 5,865 |
Noninterest expense to average assets | 1.1265% | 5,903 |
Loan and lease loss provision to assets | 0.2201% | 942 |
Net operating income to assets | 1.4068% | 1,060 |
Return on assets (ROA) | 1.4068% | 1,110 |
Pretax return on assets | 1.4068% | 2,015 |
Return on Equity (ROE) | 11.8842% | 1,366 |
Retained earnings to average equity (ytd only) | 11.8842% | 318 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.9131% | 5,809 |
Assets per employee ($millions) | 14.7927% | 83 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4027% | 2,187 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 77.3036% | 1,308 |
Net loans and leases to deposits | 92.0293% | 1,493 |
Net loans and leases to core deposits | 200.8830% | 45 |
Total domestic deposits to total assets | 83.9989% | 3,211 |
Equity capital to assets | 12.0109% | 2,110 |
Core capital (leverage) ratio | 11.9834% | 1,690 |
Tier 1 risk-based capital ratio | 13.9044% | 3,607 |
Total risk-based capital ratio | 15.1549% | 3,537 |
Memoranda: | ||
Average total assets | $272,566,000 | 2,349 |
Average earning assets | $257,883,750 | 2,303 |
Average equity | $32,266,000 | 2,231 |
Average total loans | $210,590,750 | 2,048 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7709% | 4,052 |
Cost of funding earning assets | 0.9289% | 250 |
Net interest margin | 2.8420% | 5,358 |
Noninterest income to average assets | 0.0363% | 5,941 |
Noninterest expense to average assets | 1.1226% | 5,985 |
Loan and lease loss provision to assets | 0.2224% | 933 |
Net operating income to assets | 1.3954% | 1,066 |
Return on assets (ROA) | 1.3954% | 1,125 |
Pretax return on assets | 1.3954% | 2,048 |
Return on Equity (ROE) | 11.8482% | 1,373 |
Retained earnings to average equity (ytd only) | 11.8482% | 349 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.9632% | 5,888 |
Assets per employee ($millions) | 14.3930% | 88 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3900% | 2,344 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 76.2977% | 1,443 |
Net loans and leases to deposits | 90.9645% | 1,636 |
Net loans and leases to core deposits | 206.1953% | 45 |
Total domestic deposits to total assets | 83.8763% | 3,318 |
Equity capital to assets | 11.9678% | 2,151 |
Core capital (leverage) ratio | 11.6654% | 1,860 |
Tier 1 risk-based capital ratio | 13.9726% | 3,622 |
Total risk-based capital ratio | 15.2226% | 3,542 |
Memoranda: | ||
Average total assets | $269,734,000 | 2,384 |
Average earning assets | $256,646,330 | 2,323 |
Average equity | $31,768,670 | 2,259 |
Average total loans | $207,333,670 | 2,076 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8184% | 3,880 |
Cost of funding earning assets | 0.9258% | 254 |
Net interest margin | 2.8926% | 5,335 |
Noninterest income to average assets | 0.0358% | 6,006 |
Noninterest expense to average assets | 1.0946% | 6,055 |
Loan and lease loss provision to assets | 0.2240% | 843 |
Net operating income to assets | 1.4559% | 927 |
Return on assets (ROA) | 1.4559% | 971 |
Pretax return on assets | 1.4559% | 1,733 |
Return on Equity (ROE) | 12.4644% | 1,167 |
Retained earnings to average equity (ytd only) | 12.4644% | 443 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.4510% | 5,978 |
Assets per employee ($millions) | 14.9646% | 87 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3549% | 2,628 |
Loan loss allowance to noncurrent loans | 93,033.3333% | 14 |
Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,690 |
Noncurrent loans to loans | 0.0015% | 5,534 |
Net loans and leases to total assets | 75.4365% | 1,478 |
Net loans and leases to deposits | 89.8446% | 1,594 |
Net loans and leases to core deposits | 206.3301% | 40 |
Total domestic deposits to total assets | 83.9633% | 3,534 |
Equity capital to assets | 11.7997% | 2,156 |
Core capital (leverage) ratio | 11.5125% | 1,963 |
Tier 1 risk-based capital ratio | 14.0330% | 3,672 |
Total risk-based capital ratio | 15.2753% | 3,605 |
Memoranda: | ||
Average total assets | $267,867,500 | 2,408 |
Average earning assets | $253,615,000 | 2,359 |
Average equity | $31,289,000 | 2,285 |
Average total loans | $205,205,500 | 2,096 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7227% | 4,303 |
Cost of funding earning assets | 0.9115% | 272 |
Net interest margin | 2.8112% | 5,488 |
Noninterest income to average assets | 0.0429% | 6,024 |
Noninterest expense to average assets | 1.0749% | 6,109 |
Loan and lease loss provision to assets | 0.0683% | 2,928 |
Net operating income to assets | 1.5612% | 764 |
Return on assets (ROA) | 1.5612% | 786 |
Pretax return on assets | 1.5612% | 1,372 |
Return on Equity (ROE) | 13.1020% | 1,035 |
Retained earnings to average equity (ytd only) | 8.6801% | 736 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.7460% | 6,070 |
Assets per employee ($millions) | 15.6689% | 71 |
Cash dividends to net income (ytd only)* | 33.7500% | 3,161 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2919% | 2,952 |
Loan loss allowance to noncurrent loans | 132,050.0000% | 5 |
Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,744 |
Noncurrent loans to loans | 0.0010% | 5,578 |
Net loans and leases to total assets | 75.7516% | 1,458 |
Net loans and leases to deposits | 89.1933% | 1,721 |
Net loans and leases to core deposits | 187.5375% | 48 |
Total domestic deposits to total assets | 84.9297% | 3,126 |
Equity capital to assets | 11.5605% | 2,313 |
Core capital (leverage) ratio | 11.5761% | 1,904 |
Tier 1 risk-based capital ratio | 13.7369% | 3,865 |
Total risk-based capital ratio | 14.9249% | 3,835 |
Memoranda: | ||
Average total assets | $256,205,400 | 2,458 |
Average earning assets | $242,563,200 | 2,399 |
Average equity | $30,529,600 | 2,284 |
Average total loans | $197,513,800 | 2,096 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7267% | 4,339 |
Cost of funding earning assets | 0.9127% | 269 |
Net interest margin | 2.8140% | 5,553 |
Noninterest income to average assets | 0.0452% | 6,111 |
Noninterest expense to average assets | 1.0964% | 6,194 |
Loan and lease loss provision to assets | 0.0920% | 2,329 |
Net operating income to assets | 1.5227% | 891 |
Return on assets (ROA) | 1.5227% | 926 |
Pretax return on assets | 1.5227% | 1,618 |
Return on Equity (ROE) | 12.6793% | 1,200 |
Retained earnings to average equity (ytd only) | 12.6793% | 305 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.4420% | 6,124 |
Assets per employee ($millions) | 14.9876% | 82 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3216% | 2,988 |
Loan loss allowance to noncurrent loans | 66,025.0000% | 21 |
Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,823 |
Noncurrent loans to loans | 0.0020% | 5,664 |
Net loans and leases to total assets | 77.3955% | 1,191 |
Net loans and leases to deposits | 91.6636% | 1,449 |
Net loans and leases to core deposits | 202.7139% | 42 |
Total domestic deposits to total assets | 84.4342% | 3,245 |
Equity capital to assets | 12.5696% | 1,702 |
Core capital (leverage) ratio | 12.3414% | 1,490 |
Tier 1 risk-based capital ratio | 15.2923% | 3,146 |
Total risk-based capital ratio | 16.5424% | 3,074 |
Memoranda: | ||
Average total assets | $253,663,750 | 2,496 |
Average earning assets | $240,314,000 | 2,437 |
Average equity | $30,463,500 | 2,304 |
Average total loans | $195,786,750 | 2,126 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6899% | 4,435 |
Cost of funding earning assets | 0.9052% | 281 |
Net interest margin | 2.7847% | 5,646 |
Noninterest income to average assets | 0.0482% | 6,182 |
Noninterest expense to average assets | 1.1205% | 6,266 |
Loan and lease loss provision to assets | 0.1382% | 1,583 |
Net operating income to assets | 1.4253% | 1,043 |
Return on assets (ROA) | 1.4253% | 1,080 |
Pretax return on assets | 1.4253% | 1,885 |
Return on Equity (ROE) | 12.0564% | 1,354 |
Retained earnings to average equity (ytd only) | 12.0564% | 392 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.7476% | 6,173 |
Assets per employee ($millions) | 14.7145% | 79 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3278% | 3,092 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 78.4570% | 1,007 |
Net loans and leases to deposits | 92.1537% | 1,354 |
Net loans and leases to core deposits | 205.6210% | 45 |
Total domestic deposits to total assets | 85.1371% | 3,073 |
Equity capital to assets | 12.3628% | 1,758 |
Core capital (leverage) ratio | 11.8797% | 1,726 |
Tier 1 risk-based capital ratio | 15.1380% | 3,282 |
Total risk-based capital ratio | 16.3888% | 3,218 |
Memoranda: | ||
Average total assets | $253,288,330 | 2,523 |
Average earning assets | $239,735,330 | 2,462 |
Average equity | $29,942,670 | 2,342 |
Average total loans | $194,436,670 | 2,135 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6441% | 4,553 |
Cost of funding earning assets | 0.8948% | 297 |
Net interest margin | 2.7494% | 5,741 |
Noninterest income to average assets | 0.0534% | 6,219 |
Noninterest expense to average assets | 1.1128% | 6,346 |
Loan and lease loss provision to assets | 0.2747% | 564 |
Net operating income to assets | 1.2509% | 1,405 |
Return on assets (ROA) | 1.2509% | 1,490 |
Pretax return on assets | 1.2509% | 2,459 |
Return on Equity (ROE) | 10.8246% | 1,679 |
Retained earnings to average equity (ytd only) | 10.8246% | 748 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.1773% | 6,229 |
Assets per employee ($millions) | 17.4999% | 61 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3488% | 3,148 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 73.5888% | 1,557 |
Net loans and leases to deposits | 85.0961% | 1,943 |
Net loans and leases to core deposits | 182.6588% | 53 |
Total domestic deposits to total assets | 86.4772% | 2,680 |
Equity capital to assets | 11.3829% | 2,574 |
Core capital (leverage) ratio | 11.7019% | 1,851 |
Tier 1 risk-based capital ratio | 14.9008% | 3,483 |
Total risk-based capital ratio | 16.1513% | 3,422 |
Memoranda: | ||
Average total assets | $254,859,500 | 2,513 |
Average earning assets | $239,619,000 | 2,472 |
Average equity | $29,451,500 | 2,392 |
Average total loans | $192,206,000 | 2,157 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6383% | 4,972 |
Cost of funding earning assets | 0.9078% | 377 |
Net interest margin | 2.7305% | 5,897 |
Noninterest income to average assets | 0.0432% | 6,306 |
Noninterest expense to average assets | 1.1394% | 6,422 |
Loan and lease loss provision to assets | 0.0510% | 3,544 |
Net operating income to assets | 1.4249% | 1,032 |
Return on assets (ROA) | 1.4249% | 1,059 |
Pretax return on assets | 1.4249% | 1,799 |
Return on Equity (ROE) | 12.4236% | 1,288 |
Retained earnings to average equity (ytd only) | 7.9790% | 1,024 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.5678% | 6,334 |
Assets per employee ($millions) | 16.4814% | 69 |
Cash dividends to net income (ytd only)* | 35.7756% | 3,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3075% | 3,378 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 75.2913% | 1,366 |
Net loans and leases to deposits | 87.4564% | 1,795 |
Net loans and leases to core deposits | 183.1993% | 54 |
Total domestic deposits to total assets | 86.0902% | 2,789 |
Equity capital to assets | 11.7397% | 2,216 |
Core capital (leverage) ratio | 11.4477% | 2,014 |
Tier 1 risk-based capital ratio | 14.2963% | 3,901 |
Total risk-based capital ratio | 15.5219% | 3,842 |
Memoranda: | ||
Average total assets | $245,207,000 | 2,568 |
Average earning assets | $230,985,600 | 2,509 |
Average equity | $28,123,800 | 2,398 |
Average total loans | $178,694,000 | 2,243 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6126% | 5,108 |
Cost of funding earning assets | 0.9027% | 415 |
Net interest margin | 2.7099% | 5,993 |
Noninterest income to average assets | 0.0430% | 6,399 |
Noninterest expense to average assets | 1.1377% | 6,496 |
Loan and lease loss provision to assets | 0.0409% | 3,589 |
Net operating income to assets | 1.4145% | 1,101 |
Return on assets (ROA) | 1.4145% | 1,139 |
Pretax return on assets | 1.4145% | 1,951 |
Return on Equity (ROE) | 12.4064% | 1,366 |
Retained earnings to average equity (ytd only) | 12.4064% | 384 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.8748% | 6,366 |
Assets per employee ($millions) | 16.3773% | 65 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3389% | 3,453 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 72.4700% | 1,771 |
Net loans and leases to deposits | 84.4079% | 2,093 |
Net loans and leases to core deposits | 183.0614% | 50 |
Total domestic deposits to total assets | 85.8568% | 2,928 |
Equity capital to assets | 11.9304% | 2,120 |
Core capital (leverage) ratio | 11.5606% | 2,014 |
Tier 1 risk-based capital ratio | 15.6629% | 3,236 |
Total risk-based capital ratio | 16.9137% | 3,172 |
Memoranda: | ||
Average total assets | $244,703,500 | 2,586 |
Average earning assets | $230,261,000 | 2,536 |
Average equity | $27,899,000 | 2,425 |
Average total loans | $176,217,000 | 2,280 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5704% | 5,233 |
Cost of funding earning assets | 0.8783% | 483 |
Net interest margin | 2.6921% | 6,059 |
Noninterest income to average assets | 0.0426% | 6,459 |
Noninterest expense to average assets | 1.1253% | 6,571 |
Loan and lease loss provision to assets | 0.0614% | 3,043 |
Net operating income to assets | 1.3945% | 1,078 |
Return on assets (ROA) | 1.3945% | 1,124 |
Pretax return on assets | 1.3945% | 1,909 |
Return on Equity (ROE) | 12.4247% | 1,327 |
Retained earnings to average equity (ytd only) | 12.4247% | 383 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.5954% | 6,439 |
Assets per employee ($millions) | 16.3118% | 67 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3854% | 3,426 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 65.8957% | 2,760 |
Net loans and leases to deposits | 75.3604% | 3,146 |
Net loans and leases to core deposits | 142.7919% | 126 |
Total domestic deposits to total assets | 87.4408% | 2,223 |
Equity capital to assets | 10.8630% | 3,016 |
Core capital (leverage) ratio | 11.0501% | 2,371 |
Tier 1 risk-based capital ratio | 15.4823% | 3,361 |
Total risk-based capital ratio | 16.7334% | 3,304 |
Memoranda: | ||
Average total assets | $244,385,000 | 2,598 |
Average earning assets | $230,449,330 | 2,541 |
Average equity | $27,429,330 | 2,446 |
Average total loans | $174,807,670 | 2,296 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6937% | 4,870 |
Cost of funding earning assets | 0.8836% | 495 |
Net interest margin | 2.8101% | 5,915 |
Noninterest income to average assets | 0.0441% | 6,497 |
Noninterest expense to average assets | 1.1538% | 6,645 |
Loan and lease loss provision to assets | 0.1271% | 1,914 |
Net operating income to assets | 1.4249% | 944 |
Return on assets (ROA) | 1.4249% | 985 |
Pretax return on assets | 1.4249% | 1,660 |
Return on Equity (ROE) | 12.4738% | 1,286 |
Retained earnings to average equity (ytd only) | 12.4738% | 545 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.6425% | 6,531 |
Assets per employee ($millions) | 14.2826% | 85 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3834% | 3,684 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 75.3646% | 1,080 |
Net loans and leases to deposits | 87.0539% | 1,460 |
Net loans and leases to core deposits | 190.8426% | 45 |
Total domestic deposits to total assets | 86.5724% | 3,066 |
Equity capital to assets | 12.0006% | 1,866 |
Core capital (leverage) ratio | 11.5738% | 1,915 |
Tier 1 risk-based capital ratio | 14.9775% | 3,723 |
Total risk-based capital ratio | 16.2256% | 3,678 |
Memoranda: | ||
Average total assets | $236,083,500 | 2,678 |
Average earning assets | $223,623,000 | 2,624 |
Average equity | $26,968,500 | 2,471 |
Average total loans | $175,013,500 | 2,285 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5870% | 5,441 |
Cost of funding earning assets | 0.8572% | 925 |
Net interest margin | 2.7298% | 6,100 |
Noninterest income to average assets | 0.0444% | 6,561 |
Noninterest expense to average assets | 1.1232% | 6,731 |
Loan and lease loss provision to assets | 0.1532% | 2,360 |
Net operating income to assets | 1.3546% | 1,125 |
Return on assets (ROA) | 1.3546% | 1,169 |
Pretax return on assets | 1.3546% | 1,949 |
Return on Equity (ROE) | 11.4942% | 1,598 |
Retained earnings to average equity (ytd only) | 7.2256% | 1,348 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.6908% | 6,644 |
Assets per employee ($millions) | 16.2431% | 63 |
Cash dividends to net income (ytd only)* | 37.1371% | 2,945 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3348% | 3,956 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 71.0235% | 1,835 |
Net loans and leases to deposits | 79.7664% | 2,485 |
Net loans and leases to core deposits | 151.1939% | 92 |
Total domestic deposits to total assets | 89.0394% | 1,596 |
Equity capital to assets | 10.8818% | 2,725 |
Core capital (leverage) ratio | 11.8667% | 1,703 |
Tier 1 risk-based capital ratio | 14.3498% | 4,048 |
Total risk-based capital ratio | 15.6002% | 3,993 |
Memoranda: | ||
Average total assets | $218,664,200 | 2,823 |
Average earning assets | $207,193,000 | 2,757 |
Average equity | $25,769,600 | 2,566 |
Average total loans | $154,445,600 | 2,496 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5785% | 5,502 |
Cost of funding earning assets | 0.8697% | 949 |
Net interest margin | 2.7088% | 6,161 |
Noninterest income to average assets | 0.0433% | 6,653 |
Noninterest expense to average assets | 1.1248% | 6,807 |
Loan and lease loss provision to assets | 0.1475% | 2,433 |
Net operating income to assets | 1.3319% | 1,264 |
Return on assets (ROA) | 1.3319% | 1,319 |
Pretax return on assets | 1.3319% | 2,206 |
Return on Equity (ROE) | 11.0588% | 1,797 |
Retained earnings to average equity (ytd only) | 11.0588% | 567 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.1911% | 6,678 |
Assets per employee ($millions) | 14.4760% | 89 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3574% | 4,096 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 75.0014% | 1,133 |
Net loans and leases to deposits | 85.6480% | 1,656 |
Net loans and leases to core deposits | 176.4423% | 48 |
Total domestic deposits to total assets | 87.5693% | 2,375 |
Equity capital to assets | 12.2985% | 1,715 |
Core capital (leverage) ratio | 12.7415% | 1,310 |
Tier 1 risk-based capital ratio | 15.3920% | 3,518 |
Total risk-based capital ratio | 16.6426% | 3,477 |
Memoranda: | ||
Average total assets | $212,418,750 | 2,917 |
Average earning assets | $200,823,750 | 2,843 |
Average equity | $25,583,750 | 2,609 |
Average total loans | $149,210,250 | 2,579 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4967% | 5,704 |
Cost of funding earning assets | 0.8584% | 1,090 |
Net interest margin | 2.6383% | 6,289 |
Noninterest income to average assets | 0.0427% | 6,693 |
Noninterest expense to average assets | 1.0994% | 6,856 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.4447% | 995 |
Return on assets (ROA) | 1.4447% | 1,072 |
Pretax return on assets | 1.4447% | 1,785 |
Return on Equity (ROE) | 12.0825% | 1,465 |
Retained earnings to average equity (ytd only) | 12.0825% | 480 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.2140% | 6,730 |
Assets per employee ($millions) | 15.7311% | 73 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3321% | 4,355 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 72.6538% | 1,456 |
Net loans and leases to deposits | 83.3558% | 1,888 |
Net loans and leases to core deposits | 172.5868% | 58 |
Total domestic deposits to total assets | 87.1611% | 2,727 |
Equity capital to assets | 12.7293% | 1,451 |
Core capital (leverage) ratio | 12.4649% | 1,372 |
Tier 1 risk-based capital ratio | 16.4622% | 2,952 |
Total risk-based capital ratio | 17.7141% | 2,909 |
Memoranda: | ||
Average total assets | $210,845,000 | 2,948 |
Average earning assets | $199,904,330 | 2,875 |
Average equity | $25,210,000 | 2,652 |
Average total loans | $143,914,000 | 2,661 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3545% | 6,037 |
Cost of funding earning assets | 0.8303% | 1,363 |
Net interest margin | 2.5242% | 6,479 |
Noninterest income to average assets | 0.0392% | 6,763 |
Noninterest expense to average assets | 1.0635% | 6,947 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.3793% | 1,073 |
Return on assets (ROA) | 1.3793% | 1,163 |
Pretax return on assets | 1.3793% | 1,922 |
Return on Equity (ROE) | 11.9037% | 1,452 |
Retained earnings to average equity (ytd only) | 11.9037% | 716 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.5348% | 6,791 |
Assets per employee ($millions) | 14.3251% | 98 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4363% | 4,069 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 64.0646% | 2,696 |
Net loans and leases to deposits | 72.6584% | 3,098 |
Net loans and leases to core deposits | 134.9158% | 149 |
Total domestic deposits to total assets | 88.1723% | 2,215 |
Equity capital to assets | 11.7225% | 2,238 |
Core capital (leverage) ratio | 12.0511% | 1,537 |
Tier 1 risk-based capital ratio | 16.9202% | 2,788 |
Total risk-based capital ratio | 18.1716% | 2,765 |
Memoranda: | ||
Average total assets | $214,015,500 | 2,939 |
Average earning assets | $203,788,500 | 2,854 |
Average equity | $24,799,000 | 2,723 |
Average total loans | $140,578,000 | 2,718 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6153% | 6,200 |
Cost of funding earning assets | 0.8599% | 2,218 |
Net interest margin | 2.7553% | 6,438 |
Noninterest income to average assets | 0.0637% | 6,643 |
Noninterest expense to average assets | 1.2841% | 6,961 |
Loan and lease loss provision to assets | 0.2749% | 2,447 |
Net operating income to assets | 1.1611% | 1,729 |
Return on assets (ROA) | 1.1611% | 1,888 |
Pretax return on assets | 1.1611% | 2,946 |
Return on Equity (ROE) | 8.8828% | 2,692 |
Retained earnings to average equity (ytd only) | 3.4690% | 3,779 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.2083% | 6,748 |
Assets per employee ($millions) | 15.2253% | 91 |
Cash dividends to net income (ytd only)* | 60.9470% | 1,742 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4178% | 4,082 |
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 | 65.4381% | 2,625 |
Net loans and leases to deposits | 73.9670% | 3,090 |
Net loans and leases to core deposits | 128.1127% | 202 |
Total domestic deposits to total assets | 88.4694% | 1,914 |
Equity capital to assets | 11.4513% | 2,495 |
Core capital (leverage) ratio | 11.6604% | 1,762 |
Tier 1 risk-based capital ratio | 16.4927% | 2,896 |
Total risk-based capital ratio | 17.7391% | 2,868 |
Memoranda: | ||
Average total assets | $183,702,000 | 3,264 |
Average earning assets | $177,110,800 | 3,132 |
Average equity | $24,012,800 | 2,743 |
Average total loans | $131,540,000 | 2,854 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6450% | 6,324 |
Cost of funding earning assets | 0.8583% | 2,472 |
Net interest margin | 2.7867% | 6,520 |
Noninterest income to average assets | 0.0703% | 6,737 |
Noninterest expense to average assets | 1.3360% | 7,026 |
Loan and lease loss provision to assets | 0.3818% | 1,690 |
Net operating income to assets | 1.0480% | 2,291 |
Return on assets (ROA) | 1.0480% | 2,507 |
Pretax return on assets | 1.0480% | 3,540 |
Return on Equity (ROE) | 7.7276% | 3,407 |
Retained earnings to average equity (ytd only) | 6.0549% | 2,670 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.3051% | 6,701 |
Assets per employee ($millions) | 14.5338% | 95 |
Cash dividends to net income (ytd only)* | 21.6451% | 2,981 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3936% | 4,402 |
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 | 61.0360% | 3,564 |
Net loans and leases to deposits | 68.3563% | 4,121 |
Net loans and leases to core deposits | 110.0409% | 569 |
Total domestic deposits to total assets | 89.2909% | 1,245 |
Equity capital to assets | 10.5922% | 3,744 |
Core capital (leverage) ratio | 13.8244% | 894 |
Tier 1 risk-based capital ratio | 16.1989% | 3,170 |
Total risk-based capital ratio | 17.4500% | 3,138 |
Memoranda: | ||
Average total assets | $176,339,000 | 3,407 |
Average earning assets | $170,565,250 | 3,255 |
Average equity | $23,913,750 | 2,780 |
Average total loans | $129,052,500 | 2,938 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8674% | 5,993 |
Cost of funding earning assets | 0.9379% | 2,135 |
Net interest margin | 2.9295% | 6,377 |
Noninterest income to average assets | 0.0926% | 6,707 |
Noninterest expense to average assets | 1.4809% | 7,017 |
Loan and lease loss provision to assets | 0.3870% | 1,695 |
Net operating income to assets | 1.0507% | 2,247 |
Return on assets (ROA) | 1.0507% | 2,477 |
Pretax return on assets | 1.0507% | 3,512 |
Return on Equity (ROE) | 6.9948% | 3,784 |
Retained earnings to average equity (ytd only) | 4.4605% | 3,638 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.7391% | 6,593 |
Assets per employee ($millions) | 9.9572% | 228 |
Cash dividends to net income (ytd only)* | 36.2319% | 2,339 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3106% | 4,850 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 85.3623% | 164 |
Net loans and leases to deposits | 100.6953% | 394 |
Net loans and leases to core deposits | 202.4247% | 53 |
Total domestic deposits to total assets | 84.7729% | 3,962 |
Equity capital to assets | 15.0896% | 761 |
Core capital (leverage) ratio | 14.7373% | 644 |
Tier 1 risk-based capital ratio | 16.4658% | 2,941 |
Total risk-based capital ratio | 17.7160% | 2,900 |
Memoranda: | ||
Average total assets | $157,605,330 | 3,706 |
Average earning assets | $152,042,000 | 3,561 |
Average equity | $23,674,670 | 2,793 |
Average total loans | $124,090,330 | 3,046 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7820% | 6,287 |
Cost of funding earning assets | 0.9554% | 2,264 |
Net interest margin | 2.8266% | 6,593 |
Noninterest income to average assets | 0.0459% | 6,947 |
Noninterest expense to average assets | 1.4673% | 7,077 |
Loan and lease loss provision to assets | 0.3955% | 1,598 |
Net operating income to assets | 0.9085% | 2,873 |
Return on assets (ROA) | 0.9085% | 3,101 |
Pretax return on assets | 0.9085% | 4,003 |
Return on Equity (ROE) | 6.0616% | 4,251 |
Retained earnings to average equity (ytd only) | 0.9535% | 5,691 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.9466% | 6,440 |
Assets per employee ($millions) | 10.8837% | 189 |
Cash dividends to net income (ytd only)* | 84.2697% | 734 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4297% | 4,473 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 69.9343% | 1,767 |
Net loans and leases to deposits | 81.8326% | 1,956 |
Net loans and leases to core deposits | 152.2720% | 107 |
Total domestic deposits to total assets | 85.4603% | 3,814 |
Equity capital to assets | 14.4166% | 882 |
Core capital (leverage) ratio | 14.7489% | 643 |
Tier 1 risk-based capital ratio | 19.4176% | 1,863 |
Total risk-based capital ratio | 20.6687% | 1,830 |
Memoranda: | ||
Average total assets | $156,750,500 | 3,749 |
Average earning assets | $151,135,500 | 3,594 |
Average equity | $23,492,000 | 2,803 |
Average total loans | $117,235,000 | 3,207 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7533% | 6,783 |
Cost of funding earning assets | 0.9516% | 3,712 |
Net interest margin | 2.8017% | 6,823 |
Noninterest income to average assets | 0.0601% | 6,798 |
Noninterest expense to average assets | 1.7573% | 7,002 |
Loan and lease loss provision to assets | 0.3671% | 2,794 |
Net operating income to assets | 0.6302% | 3,827 |
Return on assets (ROA) | 0.6302% | 4,032 |
Pretax return on assets | 0.6302% | 4,595 |
Return on Equity (ROE) | 3.3894% | 5,126 |
Retained earnings to average equity (ytd only) | 3.3894% | 3,811 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.7972% | 5,161 |
Assets per employee ($millions) | 10.7318% | 194 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2652% | 5,095 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 77.9667% | 714 |
Net loans and leases to deposits | 92.4926% | 922 |
Net loans and leases to core deposits | 186.4709% | 71 |
Total domestic deposits to total assets | 84.2950% | 4,192 |
Equity capital to assets | 15.6065% | 652 |
Core capital (leverage) ratio | 16.7585% | 384 |
Tier 1 risk-based capital ratio | 18.7427% | 1,979 |
Total risk-based capital ratio | 19.9568% | 1,948 |
Memoranda: | ||
Average total assets | $123,141,200 | 4,315 |
Average earning assets | $118,428,600 | 4,173 |
Average equity | $22,895,000 | 2,789 |
Average total loans | $93,132,800 | 3,784 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6705% | 6,959 |
Cost of funding earning assets | 0.9533% | 4,020 |
Net interest margin | 2.7172% | 6,977 |
Noninterest income to average assets | 0.0573% | 6,928 |
Noninterest expense to average assets | 1.8229% | 6,960 |
Loan and lease loss provision to assets | 0.3861% | 2,540 |
Net operating income to assets | 0.4675% | 4,686 |
Return on assets (ROA) | 0.4675% | 4,879 |
Pretax return on assets | 0.4675% | 5,267 |
Return on Equity (ROE) | 2.3905% | 5,657 |
Retained earnings to average equity (ytd only) | 2.3905% | 4,928 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.1079% | 4,293 |
Assets per employee ($millions) | 9.7801% | 267 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3332% | 4,856 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 74.9147% | 1,157 |
Net loans and leases to deposits | 90.2352% | 1,187 |
Net loans and leases to core deposits | 182.0366% | 79 |
Total domestic deposits to total assets | 83.0216% | 4,673 |
Equity capital to assets | 16.8316% | 503 |
Core capital (leverage) ratio | 17.1089% | 390 |
Tier 1 risk-based capital ratio | 20.8493% | 1,489 |
Total risk-based capital ratio | 22.0993% | 1,461 |
Memoranda: | ||
Average total assets | $116,365,250 | 4,522 |
Average earning assets | $112,171,750 | 4,355 |
Average equity | $22,756,750 | 2,809 |
Average total loans | $86,755,500 | 3,980 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6444% | 7,067 |
Cost of funding earning assets | 0.9282% | 4,462 |
Net interest margin | 2.7162% | 7,010 |
Noninterest income to average assets | 0.0548% | 7,029 |
Noninterest expense to average assets | 1.9030% | 6,944 |
Loan and lease loss provision to assets | 0.3780% | 2,525 |
Net operating income to assets | 0.3872% | 5,013 |
Return on assets (ROA) | 0.3872% | 5,148 |
Pretax return on assets | 0.3872% | 5,431 |
Return on Equity (ROE) | 1.8711% | 5,834 |
Retained earnings to average equity (ytd only) | 1.8711% | 5,045 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3210% | 3,874 |
Assets per employee ($millions) | 8.7960% | 349 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3608% | 4,770 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 73.9338% | 1,431 |
Net loans and leases to deposits | 90.8796% | 1,173 |
Net loans and leases to core deposits | 192.4760% | 75 |
Total domestic deposits to total assets | 81.3535% | 5,404 |
Equity capital to assets | 18.5255% | 343 |
Core capital (leverage) ratio | 19.8844% | 232 |
Tier 1 risk-based capital ratio | 23.0011% | 1,119 |
Total risk-based capital ratio | 24.2514% | 1,105 |
Memoranda: | ||
Average total assets | $109,513,330 | 4,710 |
Average earning assets | $105,367,670 | 4,578 |
Average equity | $22,660,330 | 2,798 |
Average total loans | $81,020,670 | 4,179 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6683% | 7,093 |
Cost of funding earning assets | 0.9323% | 4,703 |
Net interest margin | 2.7359% | 6,982 |
Noninterest income to average assets | 0.0545% | 7,118 |
Noninterest expense to average assets | 2.0409% | 6,755 |
Loan and lease loss provision to assets | 0.3116% | 2,675 |
Net operating income to assets | 0.3194% | 5,312 |
Return on assets (ROA) | 0.3194% | 5,391 |
Pretax return on assets | 0.3194% | 5,599 |
Return on Equity (ROE) | 1.4524% | 6,001 |
Retained earnings to average equity (ytd only) | 1.4524% | 5,236 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.3848% | 3,093 |
Assets per employee ($millions) | 7.7224% | 529 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4096% | 4,614 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0046% | 7,193 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 73.0393% | 1,509 |
Net loans and leases to deposits | 92.5082% | 976 |
Net loans and leases to core deposits | 165.0882% | 117 |
Total domestic deposits to total assets | 78.9544% | 6,199 |
Equity capital to assets | 20.9438% | 211 |
Core capital (leverage) ratio | 21.8281% | 163 |
Tier 1 risk-based capital ratio | 25.1422% | 864 |
Total risk-based capital ratio | 26.3920% | 847 |
Memoranda: | ||
Average total assets | $102,698,000 | 4,927 |
Average earning assets | $98,247,500 | 4,785 |
Average equity | $22,584,000 | 2,792 |
Average total loans | $75,380,500 | 4,409 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0131% | 7,492 |
Cost of funding earning assets | 0.7925% | 6,599 |
Net interest margin | 2.2206% | 7,390 |
Noninterest income to average assets | 0.1002% | 6,897 |
Noninterest expense to average assets | 2.7376% | 4,822 |
Loan and lease loss provision to assets | 1.2820% | 1,204 |
Net operating income to assets | -1.7817% | 6,995 |
Return on assets (ROA) | -1.7817% | 7,014 |
Pretax return on assets | -1.7817% | 6,952 |
Return on Equity (ROE) | -5.2513% | 6,455 |
Retained earnings to average equity (ytd only) | -5.2513% | 6,327 |
Net charge-offs to loans | 0.0400% | 6,408 |
Credit loss provision to net charge-offs | 5,356.2500% | 38 |
Earnings coverage of net charge-offs (x) | -20.8750% | 6,822 |
Efficiency ratio | 122.3262% | 388 |
Assets per employee ($millions) | 7.4833% | 596 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4844% | 4,098 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0051% | 7,255 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 71.5623% | 2,186 |
Net loans and leases to deposits | 93.2192% | 1,126 |
Net loans and leases to core deposits | 160.0451% | 140 |
Total domestic deposits to total assets | 76.7678% | 6,521 |
Equity capital to assets | 23.1541% | 157 |
Core capital (leverage) ratio | 26.1616% | 112 |
Tier 1 risk-based capital ratio | 28.2341% | 589 |
Total risk-based capital ratio | 29.4839% | 573 |
Memoranda: | ||
Average total assets | $66,847,600 | 5,966 |
Average earning assets | $64,351,400 | 5,847 |
Average equity | $22,680,000 | 2,808 |
Average total loans | $40,008,400 | 5,923 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8664% | 7,640 |
Cost of funding earning assets | 0.7603% | 6,885 |
Net interest margin | 2.1061% | 7,549 |
Noninterest income to average assets | 0.0990% | 7,050 |
Noninterest expense to average assets | 3.1870% | 2,971 |
Loan and lease loss provision to assets | 1.0286% | 1,437 |
Net operating income to assets | -2.0842% | 7,256 |
Return on assets (ROA) | -2.0842% | 7,277 |
Pretax return on assets | -2.0842% | 7,220 |
Return on Equity (ROE) | -5.4345% | 6,678 |
Retained earnings to average equity (ytd only) | -5.4345% | 6,589 |
Net charge-offs to loans | 0.0659% | 5,852 |
Credit loss provision to net charge-offs | 2,856.2500% | 102 |
Earnings coverage of net charge-offs (x) | -29.3165% | 6,653 |
Efficiency ratio | 149.5248% | 207 |
Assets per employee ($millions) | 6.1389% | 1,149 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2011% | 5,487 |
Loan loss allowance to noncurrent loans | 12,980.0000% | 31 |
Noncurrent assets plus other real estate owned to assets | 0.0063% | 7,359 |
Noncurrent loans to loans | 0.0093% | 7,249 |
Net loans and leases to total assets | 66.8960% | 3,486 |
Net loans and leases to deposits | 93.2459% | 1,289 |
Net loans and leases to core deposits | 160.0522% | 150 |
Total domestic deposits to total assets | 71.7415% | 7,159 |
Equity capital to assets | 28.0217% | 99 |
Core capital (leverage) ratio | 31.0899% | 80 |
Tier 1 risk-based capital ratio | 35.8568% | 326 |
Total risk-based capital ratio | 36.9107% | 327 |
Memoranda: | ||
Average total assets | $59,238,750 | 6,298 |
Average earning assets | $57,167,000 | 6,158 |
Average equity | $22,718,750 | 2,843 |
Average total loans | $32,343,750 | 6,375 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5334% | 7,747 |
Cost of funding earning assets | 0.6830% | 7,226 |
Net interest margin | 1.8504% | 7,684 |
Noninterest income to average assets | 0.0955% | 7,116 |
Noninterest expense to average assets | 3.4897% | 2,054 |
Loan and lease loss provision to assets | 0.9965% | 1,461 |
Net operating income to assets | -2.6115% | 7,439 |
Return on assets (ROA) | -2.6115% | 7,447 |
Pretax return on assets | -2.6115% | 7,388 |
Return on Equity (ROE) | -5.9902% | 6,774 |
Retained earnings to average equity (ytd only) | -5.9902% | 6,657 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 186.1507% | 119 |
Assets per employee ($millions) | 5.1968% | 1,929 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2835% | 5,017 |
Loan loss allowance to noncurrent loans | 2,233.3333% | 180 |
Noncurrent assets plus other real estate owned to assets | 0.0311% | 7,321 |
Noncurrent loans to loans | 0.0575% | 7,176 |
Net loans and leases to total assets | 53.3948% | 6,062 |
Net loans and leases to deposits | 80.4052% | 3,533 |
Net loans and leases to core deposits | 131.8217% | 392 |
Total domestic deposits to total assets | 66.4071% | 7,510 |
Equity capital to assets | 33.3960% | 67 |
Core capital (leverage) ratio | 37.7122% | 59 |
Tier 1 risk-based capital ratio | 52.5948% | 143 |
Total risk-based capital ratio | 53.7016% | 142 |
Memoranda: | ||
Average total assets | $52,383,000 | 6,566 |
Average earning assets | $50,367,000 | 6,466 |
Average equity | $22,837,330 | 2,817 |
Average total loans | $25,113,000 | 6,798 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1288% | 7,869 |
Cost of funding earning assets | 0.5671% | 7,583 |
Net interest margin | 1.5617% | 7,823 |
Noninterest income to average assets | 0.0893% | 7,259 |
Noninterest expense to average assets | 3.8844% | 1,198 |
Loan and lease loss provision to assets | 1.3752% | 870 |
Net operating income to assets | -3.6701% | 7,693 |
Return on assets (ROA) | -3.6701% | 7,695 |
Pretax return on assets | -3.6701% | 7,657 |
Return on Equity (ROE) | -7.1556% | 7,010 |
Retained earnings to average equity (ytd only) | -7.1556% | 6,760 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 244.3820% | 68 |
Assets per employee ($millions) | 4.3130% | 3,267 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3591% | 4,634 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 55.3780% | 5,831 |
Net loans and leases to deposits | 106.9748% | 386 |
Net loans and leases to core deposits | 125.9794% | 581 |
Total domestic deposits to total assets | 51.7674% | 7,825 |
Equity capital to assets | 48.0598% | 48 |
Core capital (leverage) ratio | 52.4110% | 45 |
Tier 1 risk-based capital ratio | 73.2271% | 73 |
Total risk-based capital ratio | 74.4042% | 73 |
Memoranda: | ||
Average total assets | $44,795,000 | 6,925 |
Average earning assets | $43,029,500 | 6,821 |
Average equity | $22,975,000 | 2,824 |
Average total loans | $19,398,500 | 7,188 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.6586% | 7,986 |
Cost of funding earning assets | 0.2064% | 7,938 |
Net interest margin | 0.4522% | 7,975 |
Noninterest income to average assets | 0.0660% | 7,417 |
Noninterest expense to average assets | 2.1369% | 7,106 |
Loan and lease loss provision to assets | 0.4084% | 4,363 |
Net operating income to assets | -2.0544% | 7,117 |
Return on assets (ROA) | -1.8522% | 7,029 |
Pretax return on assets | -1.8522% | 6,881 |
Return on Equity (ROE) | -4.4537% | 6,155 |
Retained earnings to average equity (ytd only) | -4.4537% | 5,936 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 435.2941% | 39 |
Assets per employee ($millions) | 4.2147% | 3,410 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7102% | 2,868 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 28.3626% | 7,747 |
Net loans and leases to deposits | 63.0951% | 6,354 |
Net loans and leases to core deposits | 96.3644% | 4,417 |
Total domestic deposits to total assets | 44.9522% | 7,926 |
Equity capital to assets | 54.9244% | 48 |
Core capital (leverage) ratio | 57.7410% | 44 |
Tier 1 risk-based capital ratio | 142.1334% | 46 |
Total risk-based capital ratio | 143.3565% | 46 |
Memoranda: | ||
Average total assets | $24,240,800 | 7,660 |
Average earning assets | $22,776,800 | 7,622 |
Average equity | $10,081,600 | 5,273 |
Average total loans | $4,234,600 | 7,910 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0875% | 8,095 |
Cost of funding earning assets | 0.0219% | 8,075 |
Net interest margin | 0.0656% | 8,088 |
Noninterest income to average assets | 0.0135% | 7,791 |
Noninterest expense to average assets | 0.1147% | 8,093 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | -0.0405% | 5,784 |
Return on assets (ROA) | -0.0405% | 5,840 |
Pretax return on assets | -0.0405% | 5,772 |
Return on Equity (ROE) | -0.1174% | 5,791 |
Retained earnings to average equity (ytd only) | -0.1174% | 5,233 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 154.5455% | 293 |
Assets per employee ($millions) | 4.3261% | 3,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.8574% | 152 |
Loan loss allowance to noncurrent loans | 778.5714% | 449 |
Noncurrent assets plus other real estate owned to assets | 0.0405% | 7,475 |
Noncurrent loans to loans | 0.6239% | 6,055 |
Net loans and leases to total assets | 6.1689% | 8,030 |
Net loans and leases to deposits | 17.4485% | 8,009 |
Net loans and leases to core deposits | 20.6300% | 8,001 |
Total domestic deposits to total assets | 35.3550% | 8,023 |
Equity capital to assets | 64.6104% | 42 |
Core capital (leverage) ratio | 93.6610% | 7 |
Tier 1 risk-based capital ratio | 255.2130% | 24 |
Total risk-based capital ratio | 256.4715% | 24 |
Memoranda: | ||
Average total assets | $19,764,250 | 7,856 |
Average earning assets | $18,295,250 | 7,832 |
Average equity | $6,814,750 | 6,389 |
Average total loans | $2,252,750 | 8,031 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4377% | 8,039 |
Cost of funding earning assets | 1.4562% | 6,306 |
Net interest margin | 1.9816% | 7,875 |
Noninterest income to average assets | 0.4050% | 5,242 |
Noninterest expense to average assets | 2.6188% | 5,664 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | -0.4320% | 6,477 |
Return on assets (ROA) | -0.4320% | 6,485 |
Pretax return on assets | -0.4320% | 6,355 |
Return on Equity (ROE) | -3.9200% | 6,470 |
Retained earnings to average equity (ytd only) | -3.9200% | 6,122 |
Net charge-offs to loans | 0.7980% | 2,085 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | -3.5556% | 6,422 |
Efficiency ratio | 119.1358% | 678 |
Assets per employee ($millions) | 2.8682% | 6,471 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3499% | 428 |
Loan loss allowance to noncurrent loans | 528.5714% | 629 |
Noncurrent assets plus other real estate owned to assets | 0.0976% | 7,338 |
Noncurrent loans to loans | 0.6338% | 5,978 |
Net loans and leases to total assets | 14.8874% | 8,077 |
Net loans and leases to deposits | 16.0394% | 8,102 |
Net loans and leases to core deposits | 18.6838% | 8,096 |
Total domestic deposits to total assets | 92.8178% | 110 |
Equity capital to assets | 7.0288% | 7,602 |
Core capital (leverage) ratio | 7.2163% | 7,342 |
Tier 1 risk-based capital ratio | 23.5648% | 1,077 |
Total risk-based capital ratio | 24.8148% | 1,058 |
Memoranda: | ||
Average total assets | $14,816,000 | 8,071 |
Average earning assets | $13,322,670 | 8,061 |
Average equity | $1,632,670 | 8,067 |
Average total loans | $2,255,670 | 8,122 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3139% | 8,114 |
Cost of funding earning assets | 1.5967% | 6,040 |
Net interest margin | 1.7172% | 8,001 |
Noninterest income to average assets | 0.4783% | 4,522 |
Noninterest expense to average assets | 2.4712% | 5,952 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | -0.4783% | 6,855 |
Return on assets (ROA) | -0.4783% | 6,914 |
Pretax return on assets | -0.4783% | 6,807 |
Return on Equity (ROE) | -3.7018% | 6,858 |
Retained earnings to average equity (ytd only) | -3.7018% | 6,384 |
Net charge-offs to loans | 1.9307% | 747 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | -1.6364% | 5,443 |
Efficiency ratio | 122.6667% | 595 |
Assets per employee ($millions) | 3.8128% | 4,060 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1021% | 446 |
Loan loss allowance to noncurrent loans | 313.0435% | 1,080 |
Noncurrent assets plus other real estate owned to assets | 0.1508% | 7,118 |
Noncurrent loans to loans | 0.9910% | 5,013 |
Net loans and leases to total assets | 14.7466% | 8,132 |
Net loans and leases to deposits | 16.8933% | 8,151 |
Net loans and leases to core deposits | 20.2030% | 8,138 |
Total domestic deposits to total assets | 87.2926% | 2,072 |
Equity capital to assets | 12.6352% | 1,912 |
Core capital (leverage) ratio | 6.9791% | 7,648 |
Tier 1 risk-based capital ratio | 17.7228% | 2,119 |
Total risk-based capital ratio | 18.9593% | 2,069 |
Memoranda: | ||
Average total assets | $15,053,500 | 8,116 |
Average earning assets | $13,277,500 | 8,111 |
Average equity | $1,945,000 | 8,065 |
Average total loans | $2,279,000 | 8,173 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0458% | 8,218 |
Cost of funding earning assets | 1.2901% | 7,857 |
Net interest margin | 0.7557% | 8,247 |
Noninterest income to average assets | 0.1982% | 7,029 |
Noninterest expense to average assets | 1.6515% | 7,912 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | -0.7046% | 7,065 |
Return on assets (ROA) | -0.7046% | 6,971 |
Pretax return on assets | -0.7762% | 6,868 |
Return on Equity (ROE) | -6.2245% | 6,979 |
Retained earnings to average equity (ytd only) | -6.2245% | 6,691 |
Net charge-offs to loans | 0.0853% | 5,539 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | -35.2500% | 6,968 |
Efficiency ratio | 187.4214% | 223 |
Assets per employee ($millions) | 3.7140% | 4,146 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7103% | 236 |
Loan loss allowance to noncurrent loans | 319.2308% | 1,272 |
Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,862 |
Noncurrent loans to loans | 1.1623% | 4,203 |
Net loans and leases to total assets | 14.4992% | 8,191 |
Net loans and leases to deposits | 16.7340% | 8,203 |
Net loans and leases to core deposits | 19.7887% | 8,198 |
Total domestic deposits to total assets | 86.6451% | 2,114 |
Equity capital to assets | 13.2135% | 1,703 |
Core capital (leverage) ratio | 7.3633% | 7,344 |
Tier 1 risk-based capital ratio | 18.6302% | 1,886 |
Total risk-based capital ratio | 19.8900% | 1,837 |
Memoranda: | ||
Average total assets | $18,165,400 | 8,071 |
Average earning assets | $16,277,200 | 8,058 |
Average equity | $2,056,400 | 8,110 |
Average total loans | $4,692,000 | 8,174 |