Home > Bank of York > Performance and Condition Ratios
Bank of York, 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 | 4.7636% | 3,510 |
Cost of funding earning assets | 0.5609% | 4,268 |
Net interest margin | 4.2027% | 968 |
Noninterest income to average assets | 0.3400% | 2,607 |
Noninterest expense to average assets | 2.3226% | 2,791 |
Loan and lease loss provision to assets | 0.0100% | 2,596 |
Net operating income to assets | 1.5823% | 937 |
Return on assets (ROA) | 1.5823% | 931 |
Pretax return on assets | 2.0603% | 623 |
Return on Equity (ROE) | 13.8800% | 1,293 |
Retained earnings to average equity (ytd only) | 13.8824% | 550 |
Net charge-offs to loans | 0.0122% | 1,800 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 516.3333% | 185 |
Efficiency ratio | 52.8319% | 3,693 |
Assets per employee ($millions) | 8.0025% | 1,568 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1689% | 2,357 |
Loan loss allowance to noncurrent loans | 204.5614% | 2,124 |
Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,552 |
Noncurrent loans to loans | 0.5714% | 1,710 |
Net loans and leases to total assets | 33.3000% | 4,135 |
Net loans and leases to deposits | 38.3665% | 4,164 |
Net loans and leases to core deposits | 39.6190% | 4,173 |
Total domestic deposits to total assets | 86.7800% | 2,014 |
Equity capital to assets | 11.7440% | 1,331 |
Core capital (leverage) ratio | 12.1560% | 1,388 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 30.8633% | 239 |
Memoranda: | ||
Average total assets | $298,798,500 | 2,484 |
Average earning assets | $288,103,000 | 2,432 |
Average equity | $34,057,500 | 2,270 |
Average total loans | $98,541,000 | 3,230 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1589% | 2,825 |
Cost of funding earning assets | 0.5741% | 4,285 |
Net interest margin | 4.5849% | 573 |
Noninterest income to average assets | 0.3600% | 2,692 |
Noninterest expense to average assets | 2.3436% | 2,735 |
Loan and lease loss provision to assets | 0.0800% | 1,685 |
Net operating income to assets | 1.8286% | 526 |
Return on assets (ROA) | 1.8286% | 522 |
Pretax return on assets | 2.3614% | 353 |
Return on Equity (ROE) | 17.0000% | 669 |
Retained earnings to average equity (ytd only) | 10.7336% | 475 |
Net charge-offs to loans | 0.0686% | 1,445 |
Credit loss provision to net charge-offs | 390.6250% | 751 |
Earnings coverage of net charge-offs (x) | 113.5938% | 744 |
Efficiency ratio | 48.9359% | 4,038 |
Assets per employee ($millions) | 8.3752% | 1,330 |
Cash dividends to net income (ytd only)* | 36.8469% | 2,281 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2010% | 2,154 |
Loan loss allowance to noncurrent loans | 209.4982% | 2,104 |
Noncurrent assets plus other real estate owned to assets | 0.1851% | 2,517 |
Noncurrent loans to loans | 0.5733% | 1,650 |
Net loans and leases to total assets | 31.8900% | 4,199 |
Net loans and leases to deposits | 36.4653% | 4,211 |
Net loans and leases to core deposits | 37.5026% | 4,224 |
Total domestic deposits to total assets | 87.4600% | 1,720 |
Equity capital to assets | 11.0585% | 1,563 |
Core capital (leverage) ratio | 11.5148% | 1,667 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 30.4484% | 248 |
Memoranda: | ||
Average total assets | $297,279,400 | 2,481 |
Average earning assets | $287,075,600 | 2,416 |
Average equity | $31,983,600 | 2,301 |
Average total loans | $93,283,800 | 3,274 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1760% | 2,708 |
Cost of funding earning assets | 0.5643% | 4,319 |
Net interest margin | 4.6117% | 552 |
Noninterest income to average assets | 0.3700% | 2,610 |
Noninterest expense to average assets | 2.3824% | 2,576 |
Loan and lease loss provision to assets | 0.0000% | 3,009 |
Net operating income to assets | 1.9138% | 493 |
Return on assets (ROA) | 1.9138% | 497 |
Pretax return on assets | 2.4404% | 350 |
Return on Equity (ROE) | 17.9200% | 595 |
Retained earnings to average equity (ytd only) | 17.9155% | 147 |
Net charge-offs to loans | 0.0462% | 1,449 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 169.4375% | 578 |
Efficiency ratio | 49.3980% | 4,015 |
Assets per employee ($millions) | 7.9298% | 1,567 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0173% | 3,158 |
Loan loss allowance to noncurrent loans | 167.7249% | 2,441 |
Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,497 |
Noncurrent loans to loans | 0.6066% | 1,572 |
Net loans and leases to total assets | 31.5400% | 4,234 |
Net loans and leases to deposits | 36.5700% | 4,241 |
Net loans and leases to core deposits | 37.6366% | 4,262 |
Total domestic deposits to total assets | 86.2300% | 1,853 |
Equity capital to assets | 11.7306% | 1,384 |
Core capital (leverage) ratio | 11.9712% | 1,497 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 31.7121% | 221 |
Memoranda: | ||
Average total assets | $296,222,750 | 2,479 |
Average earning assets | $286,131,750 | 2,419 |
Average equity | $31,644,000 | 2,310 |
Average total loans | $92,271,750 | 3,292 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1384% | 2,681 |
Cost of funding earning assets | 0.5411% | 4,330 |
Net interest margin | 4.5972% | 547 |
Noninterest income to average assets | 0.3800% | 2,498 |
Noninterest expense to average assets | 2.3825% | 2,568 |
Loan and lease loss provision to assets | 0.0000% | 2,867 |
Net operating income to assets | 1.8858% | 524 |
Return on assets (ROA) | 1.8858% | 525 |
Pretax return on assets | 2.4397% | 353 |
Return on Equity (ROE) | 18.2400% | 593 |
Retained earnings to average equity (ytd only) | 18.2426% | 167 |
Net charge-offs to loans | 0.0784% | 1,015 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 100.6944% | 769 |
Efficiency ratio | 49.4068% | 4,043 |
Assets per employee ($millions) | 8.1184% | 1,390 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0372% | 3,082 |
Loan loss allowance to noncurrent loans | 179.0170% | 2,431 |
Noncurrent assets plus other real estate owned to assets | 0.1810% | 2,493 |
Noncurrent loans to loans | 0.5794% | 1,575 |
Net loans and leases to total assets | 30.9200% | 4,253 |
Net loans and leases to deposits | 35.6659% | 4,268 |
Net loans and leases to core deposits | 36.5937% | 4,270 |
Total domestic deposits to total assets | 86.6800% | 1,765 |
Equity capital to assets | 11.0342% | 1,554 |
Core capital (leverage) ratio | 11.5424% | 1,689 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 31.1982% | 237 |
Memoranda: | ||
Average total assets | $297,162,667 | 2,465 |
Average earning assets | $287,172,667 | 2,402 |
Average equity | $30,719,333 | 2,318 |
Average total loans | $91,869,333 | 3,295 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0720% | 2,644 |
Cost of funding earning assets | 0.5192% | 4,351 |
Net interest margin | 4.5528% | 557 |
Noninterest income to average assets | 0.3500% | 2,619 |
Noninterest expense to average assets | 2.6541% | 1,805 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 1.6274% | 741 |
Return on assets (ROA) | 1.6274% | 750 |
Pretax return on assets | 2.1000% | 554 |
Return on Equity (ROE) | 16.2800% | 807 |
Retained earnings to average equity (ytd only) | 16.2780% | 345 |
Net charge-offs to loans | 0.0217% | 1,416 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 314.6000% | 290 |
Efficiency ratio | 55.8270% | 3,616 |
Assets per employee ($millions) | 8.8900% | 1,062 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0551% | 3,025 |
Loan loss allowance to noncurrent loans | 369.0566% | 1,652 |
Noncurrent assets plus other real estate owned to assets | 0.0903% | 3,027 |
Noncurrent loans to loans | 0.2859% | 2,298 |
Net loans and leases to total assets | 31.2600% | 4,254 |
Net loans and leases to deposits | 35.6008% | 4,270 |
Net loans and leases to core deposits | 36.6202% | 4,323 |
Total domestic deposits to total assets | 87.8100% | 1,491 |
Equity capital to assets | 10.4101% | 1,775 |
Core capital (leverage) ratio | 10.8883% | 2,031 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.7718% | 271 |
Memoranda: | ||
Average total assets | $299,612,000 | 2,461 |
Average earning assets | $289,667,000 | 2,391 |
Average equity | $29,954,500 | 2,357 |
Average total loans | $92,153,000 | 3,297 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7852% | 2,503 |
Cost of funding earning assets | 0.3727% | 4,312 |
Net interest margin | 4.4125% | 699 |
Noninterest income to average assets | 0.3100% | 3,052 |
Noninterest expense to average assets | 2.1798% | 3,184 |
Loan and lease loss provision to assets | 0.1000% | 1,286 |
Net operating income to assets | 1.7917% | 622 |
Return on assets (ROA) | 1.7917% | 597 |
Pretax return on assets | 2.3022% | 431 |
Return on Equity (ROE) | 19.3400% | 677 |
Retained earnings to average equity (ytd only) | 7.9279% | 1,560 |
Net charge-offs to loans | 0.0785% | 1,080 |
Credit loss provision to net charge-offs | 430.5556% | 743 |
Earnings coverage of net charge-offs (x) | 103.2639% | 889 |
Efficiency ratio | 47.5707% | 4,110 |
Assets per employee ($millions) | 8.2664% | 1,298 |
Cash dividends to net income (ytd only)* | 59.0081% | 1,230 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0730% | 2,968 |
Loan loss allowance to noncurrent loans | 369.5489% | 1,774 |
Noncurrent assets plus other real estate owned to assets | 0.0870% | 2,952 |
Noncurrent loans to loans | 0.2903% | 2,134 |
Net loans and leases to total assets | 29.6300% | 4,301 |
Net loans and leases to deposits | 33.3003% | 4,316 |
Net loans and leases to core deposits | 34.2267% | 4,361 |
Total domestic deposits to total assets | 88.9900% | 1,067 |
Equity capital to assets | 9.6023% | 2,273 |
Core capital (leverage) ratio | 10.2360% | 2,564 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.2622% | 271 |
Memoranda: | ||
Average total assets | $309,481,600 | 2,382 |
Average earning assets | $299,402,000 | 2,309 |
Average equity | $28,670,800 | 2,335 |
Average total loans | $91,668,800 | 3,268 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6602% | 2,556 |
Cost of funding earning assets | 0.3249% | 4,339 |
Net interest margin | 4.3353% | 766 |
Noninterest income to average assets | 0.3100% | 3,041 |
Noninterest expense to average assets | 2.0344% | 3,507 |
Loan and lease loss provision to assets | 0.0700% | 1,559 |
Net operating income to assets | 1.8402% | 611 |
Return on assets (ROA) | 1.8402% | 602 |
Pretax return on assets | 2.3999% | 426 |
Return on Equity (ROE) | 20.0400% | 719 |
Retained earnings to average equity (ytd only) | 20.0442% | 259 |
Net charge-offs to loans | 0.0349% | 1,393 |
Credit loss provision to net charge-offs | 666.6667% | 526 |
Earnings coverage of net charge-offs (x) | 239.4583% | 531 |
Efficiency ratio | 45.1779% | 4,181 |
Assets per employee ($millions) | 8.0515% | 1,326 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9587% | 3,534 |
Loan loss allowance to noncurrent loans | 224.7449% | 2,361 |
Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,700 |
Noncurrent loans to loans | 0.4266% | 1,764 |
Net loans and leases to total assets | 29.7500% | 4,318 |
Net loans and leases to deposits | 34.0577% | 4,328 |
Net loans and leases to core deposits | 35.0078% | 4,340 |
Total domestic deposits to total assets | 87.3400% | 1,784 |
Equity capital to assets | 9.9655% | 1,849 |
Core capital (leverage) ratio | 10.8511% | 2,098 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 31.7192% | 234 |
Memoranda: | ||
Average total assets | $310,388,250 | 2,377 |
Average earning assets | $300,350,500 | 2,307 |
Average equity | $28,496,250 | 2,325 |
Average total loans | $91,682,000 | 3,269 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5268% | 2,582 |
Cost of funding earning assets | 0.2563% | 4,372 |
Net interest margin | 4.2705% | 843 |
Noninterest income to average assets | 0.3200% | 2,963 |
Noninterest expense to average assets | 2.0201% | 3,546 |
Loan and lease loss provision to assets | 0.1000% | 1,140 |
Net operating income to assets | 1.7982% | 661 |
Return on assets (ROA) | 1.7982% | 660 |
Pretax return on assets | 2.3311% | 446 |
Return on Equity (ROE) | 20.1500% | 688 |
Retained earnings to average equity (ytd only) | 20.1497% | 245 |
Net charge-offs to loans | 0.0109% | 1,794 |
Credit loss provision to net charge-offs | 3,200.0000% | 166 |
Earnings coverage of net charge-offs (x) | 759.0000% | 200 |
Efficiency ratio | 45.3564% | 4,195 |
Assets per employee ($millions) | 8.3715% | 1,151 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9659% | 3,548 |
Loan loss allowance to noncurrent loans | 219.2683% | 2,493 |
Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,596 |
Noncurrent loans to loans | 0.4405% | 1,620 |
Net loans and leases to total assets | 30.5800% | 4,315 |
Net loans and leases to deposits | 34.7433% | 4,320 |
Net loans and leases to core deposits | 35.4609% | 4,334 |
Total domestic deposits to total assets | 88.0300% | 1,588 |
Equity capital to assets | 9.7065% | 2,027 |
Core capital (leverage) ratio | 10.3480% | 2,433 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.2877% | 273 |
Memoranda: | ||
Average total assets | $311,865,333 | 2,369 |
Average earning assets | $301,932,667 | 2,297 |
Average equity | $27,831,667 | 2,370 |
Average total loans | $91,610,667 | 3,277 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2533% | 2,918 |
Cost of funding earning assets | 0.1732% | 4,415 |
Net interest margin | 4.0802% | 1,127 |
Noninterest income to average assets | 0.3100% | 2,990 |
Noninterest expense to average assets | 2.1154% | 3,341 |
Loan and lease loss provision to assets | 0.1500% | 723 |
Net operating income to assets | 1.5162% | 1,156 |
Return on assets (ROA) | 1.5162% | 1,136 |
Pretax return on assets | 1.9980% | 784 |
Return on Equity (ROE) | 17.7300% | 1,061 |
Retained earnings to average equity (ytd only) | 17.7280% | 535 |
Net charge-offs to loans | 0.0088% | 1,616 |
Credit loss provision to net charge-offs | 6,000.0000% | 78 |
Earnings coverage of net charge-offs (x) | 852.0000% | 127 |
Efficiency ratio | 49.6007% | 3,972 |
Assets per employee ($millions) | 8.6768% | 1,064 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9435% | 3,740 |
Loan loss allowance to noncurrent loans | 244.4759% | 2,457 |
Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,706 |
Noncurrent loans to loans | 0.3859% | 1,773 |
Net loans and leases to total assets | 29.8400% | 4,373 |
Net loans and leases to deposits | 33.6135% | 4,386 |
Net loans and leases to core deposits | 34.2314% | 4,392 |
Total domestic deposits to total assets | 88.7600% | 1,635 |
Equity capital to assets | 9.1957% | 2,375 |
Core capital (leverage) ratio | 9.7318% | 2,966 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.3815% | 300 |
Memoranda: | ||
Average total assets | $317,110,500 | 2,374 |
Average earning assets | $307,242,500 | 2,304 |
Average equity | $27,121,000 | 2,430 |
Average total loans | $90,879,000 | 3,318 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5934% | 4,463 |
Cost of funding earning assets | 0.0649% | 4,523 |
Net interest margin | 2.5285% | 4,257 |
Noninterest income to average assets | 0.3000% | 3,332 |
Noninterest expense to average assets | 1.7446% | 4,097 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.7885% | 3,364 |
Return on assets (ROA) | 0.7885% | 3,297 |
Pretax return on assets | 1.0080% | 3,054 |
Return on Equity (ROE) | 9.8200% | 2,863 |
Retained earnings to average equity (ytd only) | 5.0540% | 3,027 |
Net charge-offs to loans | 0.1133% | 662 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 34.3958% | 1,600 |
Efficiency ratio | 63.3803% | 2,580 |
Assets per employee ($millions) | 9.4438% | 799 |
Cash dividends to net income (ytd only)* | 48.5095% | 1,479 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8251% | 3,976 |
Loan loss allowance to noncurrent loans | 217.2012% | 2,571 |
Noncurrent assets plus other real estate owned to assets | 0.1038% | 2,810 |
Noncurrent loans to loans | 0.3799% | 1,780 |
Net loans and leases to total assets | 27.0900% | 4,457 |
Net loans and leases to deposits | 29.7751% | 4,479 |
Net loans and leases to core deposits | 30.2449% | 4,482 |
Total domestic deposits to total assets | 90.9800% | 967 |
Equity capital to assets | 7.9617% | 3,081 |
Core capital (leverage) ratio | 8.9360% | 3,751 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.2998% | 323 |
Memoranda: | ||
Average total assets | $327,574,800 | 2,308 |
Average earning assets | $317,502,600 | 2,250 |
Average equity | $26,315,600 | 2,512 |
Average total loans | $84,717,000 | 3,345 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1523% | 4,576 |
Cost of funding earning assets | 0.0471% | 4,587 |
Net interest margin | 2.1051% | 4,514 |
Noninterest income to average assets | 0.3000% | 3,360 |
Noninterest expense to average assets | 1.6999% | 4,149 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.5128% | 4,047 |
Return on assets (ROA) | 0.5128% | 3,994 |
Pretax return on assets | 0.6429% | 3,910 |
Return on Equity (ROE) | 6.3700% | 3,722 |
Retained earnings to average equity (ytd only) | 5.8469% | 2,806 |
Net charge-offs to loans | 0.1024% | 606 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 24.6250% | 1,624 |
Efficiency ratio | 72.5579% | 1,438 |
Assets per employee ($millions) | 9.4659% | 772 |
Cash dividends to net income (ytd only)* | 8.1941% | 2,893 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8694% | 3,944 |
Loan loss allowance to noncurrent loans | 197.2081% | 2,703 |
Noncurrent assets plus other real estate owned to assets | 0.1224% | 2,748 |
Noncurrent loans to loans | 0.4408% | 1,702 |
Net loans and leases to total assets | 27.5300% | 4,469 |
Net loans and leases to deposits | 30.4497% | 4,493 |
Net loans and leases to core deposits | 31.0509% | 4,494 |
Total domestic deposits to total assets | 90.4100% | 1,469 |
Equity capital to assets | 8.0077% | 2,890 |
Core capital (leverage) ratio | 8.8943% | 3,706 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.0750% | 311 |
Memoranda: | ||
Average total assets | $326,835,000 | 2,333 |
Average earning assets | $316,804,500 | 2,268 |
Average equity | $26,315,500 | 2,552 |
Average total loans | $83,324,250 | 3,374 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.7972% | 4,665 |
Cost of funding earning assets | 0.0471% | 4,613 |
Net interest margin | 1.7501% | 4,644 |
Noninterest income to average assets | 0.2995% | 3,365 |
Noninterest expense to average assets | 1.6310% | 4,259 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.3008% | 4,287 |
Return on assets (ROA) | 0.3008% | 4,236 |
Pretax return on assets | 0.3653% | 4,208 |
Return on Equity (ROE) | 3.7288% | 4,090 |
Retained earnings to average equity (ytd only) | 2.9513% | 3,461 |
Net charge-offs to loans | 0.1082% | 557 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 13.6364% | 1,684 |
Efficiency ratio | 81.7017% | 823 |
Assets per employee ($millions) | 9.0187% | 880 |
Cash dividends to net income (ytd only)* | 20.8502% | 2,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9259% | 3,876 |
Loan loss allowance to noncurrent loans | 196.7901% | 2,700 |
Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,832 |
Noncurrent loans to loans | 0.4705% | 1,703 |
Net loans and leases to total assets | 26.2657% | 4,554 |
Net loans and leases to deposits | 29.1465% | 4,569 |
Net loans and leases to core deposits | 29.6843% | 4,574 |
Total domestic deposits to total assets | 90.1162% | 1,668 |
Equity capital to assets | 7.9760% | 3,141 |
Core capital (leverage) ratio | 8.6310% | 3,826 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.9427% | 291 |
Memoranda: | ||
Average total assets | $328,500,333 | 2,331 |
Average earning assets | $318,501,667 | 2,279 |
Average equity | $26,496,667 | 2,608 |
Average total loans | $81,307,000 | 3,435 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6475% | 4,692 |
Cost of funding earning assets | 0.0474% | 4,618 |
Net interest margin | 1.6001% | 4,671 |
Noninterest income to average assets | 0.3002% | 3,315 |
Noninterest expense to average assets | 1.7021% | 4,132 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.1283% | 4,433 |
Return on assets (ROA) | 0.1283% | 4,403 |
Pretax return on assets | 0.1501% | 4,388 |
Return on Equity (ROE) | 1.5823% | 4,328 |
Retained earnings to average equity (ytd only) | 1.5823% | 3,661 |
Net charge-offs to loans | -0.0101% | 3,592 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.8954% | 468 |
Assets per employee ($millions) | 8.9679% | 931 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0729% | 3,443 |
Loan loss allowance to noncurrent loans | 135.7488% | 3,082 |
Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,442 |
Noncurrent loans to loans | 0.7904% | 1,201 |
Net loans and leases to total assets | 24.7631% | 4,599 |
Net loans and leases to deposits | 27.6866% | 4,605 |
Net loans and leases to core deposits | 28.1752% | 4,610 |
Total domestic deposits to total assets | 89.4408% | 1,848 |
Equity capital to assets | 8.3383% | 3,293 |
Core capital (leverage) ratio | 8.4021% | 3,962 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.0864% | 291 |
Memoranda: | ||
Average total assets | $330,413,500 | 2,338 |
Average earning assets | $320,476,500 | 2,282 |
Average equity | $26,797,000 | 2,662 |
Average total loans | $78,923,000 | 3,471 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1688% | 4,631 |
Cost of funding earning assets | 0.0611% | 4,641 |
Net interest margin | 2.1077% | 4,537 |
Noninterest income to average assets | 0.3298% | 3,438 |
Noninterest expense to average assets | 1.8653% | 4,007 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.4119% | 4,259 |
Return on assets (ROA) | 0.4119% | 4,296 |
Pretax return on assets | 0.4999% | 4,259 |
Return on Equity (ROE) | 4.3331% | 4,146 |
Retained earnings to average equity (ytd only) | 0.5667% | 4,359 |
Net charge-offs to loans | -0.0466% | 4,297 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8639% | 879 |
Assets per employee ($millions) | 9.6375% | 748 |
Cash dividends to net income (ytd only)* | 86.9205% | 377 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0608% | 3,522 |
Loan loss allowance to noncurrent loans | 200.2381% | 2,592 |
Noncurrent assets plus other real estate owned to assets | 0.1211% | 3,085 |
Noncurrent loans to loans | 0.5298% | 1,806 |
Net loans and leases to total assets | 22.6074% | 4,680 |
Net loans and leases to deposits | 25.0116% | 4,702 |
Net loans and leases to core deposits | 25.3851% | 4,702 |
Total domestic deposits to total assets | 90.3876% | 768 |
Equity capital to assets | 7.8914% | 4,422 |
Core capital (leverage) ratio | 8.6745% | 3,749 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $293,249,200 | 2,463 |
Average earning assets | $283,196,400 | 2,413 |
Average equity | $27,878,400 | 2,657 |
Average total loans | $83,665,400 | 3,419 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2383% | 4,701 |
Cost of funding earning assets | 0.0652% | 4,713 |
Net interest margin | 2.1731% | 4,585 |
Noninterest income to average assets | 0.3359% | 3,425 |
Noninterest expense to average assets | 1.9769% | 3,746 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 0.3788% | 4,403 |
Return on assets (ROA) | 0.3788% | 4,438 |
Pretax return on assets | 0.4541% | 4,425 |
Return on Equity (ROE) | 3.7852% | 4,338 |
Retained earnings to average equity (ytd only) | 3.7852% | 3,644 |
Net charge-offs to loans | -0.0330% | 4,174 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.3211% | 680 |
Assets per employee ($millions) | 8.6834% | 991 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0293% | 3,744 |
Loan loss allowance to noncurrent loans | 63.5521% | 3,806 |
Noncurrent assets plus other real estate owned to assets | 0.4261% | 1,756 |
Noncurrent loans to loans | 1.6195% | 633 |
Net loans and leases to total assets | 26.0393% | 4,700 |
Net loans and leases to deposits | 29.4616% | 4,714 |
Net loans and leases to core deposits | 29.9070% | 4,726 |
Total domestic deposits to total assets | 88.3837% | 1,625 |
Equity capital to assets | 9.3088% | 3,551 |
Core capital (leverage) ratio | 9.3652% | 3,160 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $279,824,250 | 2,559 |
Average earning assets | $269,780,250 | 2,509 |
Average equity | $28,003,250 | 2,684 |
Average total loans | $84,762,500 | 3,455 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2811% | 4,734 |
Cost of funding earning assets | 0.0703% | 4,745 |
Net interest margin | 2.2108% | 4,594 |
Noninterest income to average assets | 0.3422% | 3,396 |
Noninterest expense to average assets | 2.0001% | 3,697 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.4047% | 4,374 |
Return on assets (ROA) | 0.4047% | 4,415 |
Pretax return on assets | 0.4702% | 4,428 |
Return on Equity (ROE) | 3.9416% | 4,342 |
Retained earnings to average equity (ytd only) | 3.9416% | 3,539 |
Net charge-offs to loans | -0.0324% | 4,187 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.9651% | 726 |
Assets per employee ($millions) | 8.1055% | 1,161 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9435% | 4,017 |
Loan loss allowance to noncurrent loans | 66.9951% | 3,749 |
Noncurrent assets plus other real estate owned to assets | 0.4293% | 1,903 |
Noncurrent loans to loans | 1.4083% | 828 |
Net loans and leases to total assets | 30.1993% | 4,644 |
Net loans and leases to deposits | 34.5262% | 4,671 |
Net loans and leases to core deposits | 35.0915% | 4,693 |
Total domestic deposits to total assets | 87.4677% | 2,111 |
Equity capital to assets | 9.8910% | 2,958 |
Core capital (leverage) ratio | 9.6344% | 2,777 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $271,793,000 | 2,597 |
Average earning assets | $261,629,667 | 2,550 |
Average equity | $27,907,333 | 2,681 |
Average total loans | $86,363,000 | 3,449 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4499% | 4,688 |
Cost of funding earning assets | 0.0815% | 4,738 |
Net interest margin | 2.3684% | 4,450 |
Noninterest income to average assets | 0.3400% | 3,396 |
Noninterest expense to average assets | 1.9621% | 3,830 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.5447% | 4,086 |
Return on assets (ROA) | 0.5447% | 4,127 |
Pretax return on assets | 0.6530% | 4,105 |
Return on Equity (ROE) | 5.2028% | 4,052 |
Retained earnings to average equity (ytd only) | 5.2028% | 3,161 |
Net charge-offs to loans | -0.0788% | 4,562 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.0288% | 1,219 |
Assets per employee ($millions) | 7.7339% | 1,323 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9456% | 4,031 |
Loan loss allowance to noncurrent loans | 66.2086% | 3,767 |
Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,026 |
Noncurrent loans to loans | 1.4282% | 885 |
Net loans and leases to total assets | 31.6941% | 4,638 |
Net loans and leases to deposits | 36.2935% | 4,669 |
Net loans and leases to core deposits | 36.8358% | 4,690 |
Total domestic deposits to total assets | 87.3271% | 2,168 |
Equity capital to assets | 10.3170% | 2,424 |
Core capital (leverage) ratio | 10.2056% | 2,328 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $265,843,500 | 2,625 |
Average earning assets | $255,361,000 | 2,570 |
Average equity | $27,831,000 | 2,683 |
Average total loans | $86,300,000 | 3,466 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6400% | 4,812 |
Cost of funding earning assets | 0.1256% | 4,798 |
Net interest margin | 2.5144% | 4,573 |
Noninterest income to average assets | 0.3671% | 3,277 |
Noninterest expense to average assets | 2.3524% | 3,265 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 0.3593% | 4,329 |
Return on assets (ROA) | 0.3593% | 4,400 |
Pretax return on assets | 0.4213% | 4,385 |
Return on Equity (ROE) | 3.1516% | 4,340 |
Retained earnings to average equity (ytd only) | 0.8131% | 4,288 |
Net charge-offs to loans | 0.0023% | 3,314 |
Credit loss provision to net charge-offs | 0.0000% | 3,264 |
Earnings coverage of net charge-offs (x) | 513.5000% | 227 |
Efficiency ratio | 84.8122% | 577 |
Assets per employee ($millions) | 7.0540% | 1,545 |
Cash dividends to net income (ytd only)* | 74.2009% | 817 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9327% | 4,092 |
Loan loss allowance to noncurrent loans | 58.7116% | 3,903 |
Noncurrent assets plus other real estate owned to assets | 0.5234% | 1,981 |
Noncurrent loans to loans | 1.5886% | 830 |
Net loans and leases to total assets | 32.6388% | 4,692 |
Net loans and leases to deposits | 37.2505% | 4,713 |
Net loans and leases to core deposits | 37.7805% | 4,744 |
Total domestic deposits to total assets | 87.6199% | 1,647 |
Equity capital to assets | 10.6265% | 2,570 |
Core capital (leverage) ratio | 10.0992% | 2,510 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $243,789,600 | 2,625 |
Average earning assets | $233,332,800 | 2,577 |
Average equity | $27,795,000 | 2,616 |
Average total loans | $85,479,800 | 3,477 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6940% | 4,863 |
Cost of funding earning assets | 0.1345% | 4,844 |
Net interest margin | 2.5596% | 4,611 |
Noninterest income to average assets | 0.3674% | 3,260 |
Noninterest expense to average assets | 2.2503% | 3,552 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.4721% | 4,111 |
Return on assets (ROA) | 0.4721% | 4,187 |
Pretax return on assets | 0.5651% | 4,164 |
Return on Equity (ROE) | 4.0656% | 4,141 |
Retained earnings to average equity (ytd only) | 4.0656% | 3,013 |
Net charge-offs to loans | -0.0109% | 4,246 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.9288% | 873 |
Assets per employee ($millions) | 7.0185% | 1,490 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9006% | 4,070 |
Loan loss allowance to noncurrent loans | 67.1914% | 3,778 |
Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,328 |
Noncurrent loans to loans | 1.3404% | 1,099 |
Net loans and leases to total assets | 34.3630% | 4,728 |
Net loans and leases to deposits | 39.8521% | 4,755 |
Net loans and leases to core deposits | 40.4676% | 4,778 |
Total domestic deposits to total assets | 86.2264% | 1,971 |
Equity capital to assets | 10.9155% | 2,463 |
Core capital (leverage) ratio | 10.2958% | 2,435 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $239,487,250 | 2,626 |
Average earning assets | $229,043,000 | 2,588 |
Average equity | $27,810,000 | 2,606 |
Average total loans | $85,352,500 | 3,497 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9005% | 4,881 |
Cost of funding earning assets | 0.1476% | 4,886 |
Net interest margin | 2.7529% | 4,504 |
Noninterest income to average assets | 0.3686% | 3,268 |
Noninterest expense to average assets | 2.3355% | 3,437 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.5413% | 3,904 |
Return on assets (ROA) | 0.5413% | 3,983 |
Pretax return on assets | 0.6616% | 3,951 |
Return on Equity (ROE) | 4.5600% | 3,956 |
Retained earnings to average equity (ytd only) | 4.5600% | 2,676 |
Net charge-offs to loans | 0.0716% | 1,531 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 25.6667% | 1,544 |
Efficiency ratio | 77.9243% | 1,064 |
Assets per employee ($millions) | 6.5557% | 1,737 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8547% | 4,173 |
Loan loss allowance to noncurrent loans | 52.8328% | 4,010 |
Noncurrent assets plus other real estate owned to assets | 0.5933% | 2,030 |
Noncurrent loans to loans | 1.6178% | 907 |
Net loans and leases to total assets | 36.0404% | 4,721 |
Net loans and leases to deposits | 41.8739% | 4,747 |
Net loans and leases to core deposits | 42.5994% | 4,786 |
Total domestic deposits to total assets | 86.0689% | 1,980 |
Equity capital to assets | 11.3396% | 2,095 |
Core capital (leverage) ratio | 11.7192% | 1,544 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $232,754,333 | 2,660 |
Average earning assets | $222,238,667 | 2,610 |
Average equity | $27,631,333 | 2,610 |
Average total loans | $83,787,667 | 3,521 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3147% | 4,798 |
Cost of funding earning assets | 0.1697% | 4,942 |
Net interest margin | 3.1449% | 3,996 |
Noninterest income to average assets | 0.4079% | 3,041 |
Noninterest expense to average assets | 2.2995% | 3,771 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.8817% | 2,578 |
Return on assets (ROA) | 0.8817% | 2,680 |
Pretax return on assets | 1.1114% | 2,474 |
Return on Equity (ROE) | 7.2468% | 2,854 |
Retained earnings to average equity (ytd only) | 7.2468% | 1,460 |
Net charge-offs to loans | 0.1791% | 750 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | 17.3333% | 1,496 |
Efficiency ratio | 67.4151% | 2,753 |
Assets per employee ($millions) | 5.7554% | 1,889 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9555% | 3,910 |
Loan loss allowance to noncurrent loans | 51.9973% | 4,052 |
Noncurrent assets plus other real estate owned to assets | 0.6638% | 2,010 |
Noncurrent loans to loans | 1.8376% | 811 |
Net loans and leases to total assets | 35.4657% | 4,798 |
Net loans and leases to deposits | 41.2260% | 4,815 |
Net loans and leases to core deposits | 42.0192% | 4,843 |
Total domestic deposits to total assets | 86.0275% | 1,993 |
Equity capital to assets | 12.2818% | 1,862 |
Core capital (leverage) ratio | 11.9527% | 1,770 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $224,572,500 | 2,675 |
Average earning assets | $214,440,000 | 2,622 |
Average equity | $27,322,500 | 2,617 |
Average total loans | $80,403,000 | 3,574 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5590% | 4,813 |
Cost of funding earning assets | 0.1473% | 5,051 |
Net interest margin | 3.4117% | 3,716 |
Noninterest income to average assets | 0.3966% | 3,316 |
Noninterest expense to average assets | 2.4023% | 3,688 |
Loan and lease loss provision to assets | 0.0663% | 2,691 |
Net operating income to assets | 0.9399% | 3,059 |
Return on assets (ROA) | 0.9399% | 3,140 |
Pretax return on assets | 1.1820% | 2,903 |
Return on Equity (ROE) | 7.8137% | 3,242 |
Retained earnings to average equity (ytd only) | 2.0085% | 3,996 |
Net charge-offs to loans | 0.1076% | 1,653 |
Credit loss provision to net charge-offs | 164.8352% | 1,574 |
Earnings coverage of net charge-offs (x) | 31.0549% | 1,547 |
Efficiency ratio | 65.8076% | 2,801 |
Assets per employee ($millions) | 5.7611% | 1,825 |
Cash dividends to net income (ytd only)* | 74.2951% | 981 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9984% | 3,527 |
Loan loss allowance to noncurrent loans | 45.0112% | 4,180 |
Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,620 |
Noncurrent loans to loans | 2.2181% | 555 |
Net loans and leases to total assets | 35.4402% | 4,853 |
Net loans and leases to deposits | 40.9424% | 4,887 |
Net loans and leases to core deposits | 41.6305% | 4,911 |
Total domestic deposits to total assets | 86.5611% | 1,822 |
Equity capital to assets | 12.0512% | 2,109 |
Core capital (leverage) ratio | 11.4118% | 2,179 |
Tier 1 risk-based capital ratio | 26.0874% | 670 |
Total risk-based capital ratio | 26.8693% | 691 |
Memoranda: | ||
Average total assets | $226,404,000 | 2,607 |
Average earning assets | $215,933,200 | 2,561 |
Average equity | $27,234,200 | 2,546 |
Average total loans | $84,537,200 | 3,515 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6306% | 4,855 |
Cost of funding earning assets | 0.1400% | 5,135 |
Net interest margin | 3.4906% | 3,586 |
Noninterest income to average assets | 0.3950% | 3,350 |
Noninterest expense to average assets | 2.2624% | 4,044 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.1497% | 2,366 |
Return on assets (ROA) | 1.1497% | 2,455 |
Pretax return on assets | 1.4589% | 2,082 |
Return on Equity (ROE) | 9.5621% | 2,639 |
Retained earnings to average equity (ytd only) | 9.5621% | 878 |
Net charge-offs to loans | 0.0873% | 1,602 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | 44.3243% | 1,279 |
Efficiency ratio | 60.7961% | 3,502 |
Assets per employee ($millions) | 5.8660% | 1,702 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8320% | 4,304 |
Loan loss allowance to noncurrent loans | 38.9266% | 4,368 |
Noncurrent assets plus other real estate owned to assets | 0.7794% | 1,763 |
Noncurrent loans to loans | 2.1374% | 616 |
Net loans and leases to total assets | 35.8972% | 4,943 |
Net loans and leases to deposits | 41.8625% | 4,959 |
Net loans and leases to core deposits | 42.4874% | 4,988 |
Total domestic deposits to total assets | 85.7501% | 2,101 |
Equity capital to assets | 12.4801% | 1,924 |
Core capital (leverage) ratio | 12.4531% | 1,598 |
Tier 1 risk-based capital ratio | 29.8808% | 487 |
Total risk-based capital ratio | 30.6109% | 496 |
Memoranda: | ||
Average total assets | $226,834,250 | 2,628 |
Average earning assets | $216,155,000 | 2,581 |
Average equity | $27,273,500 | 2,556 |
Average total loans | $85,563,750 | 3,533 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6577% | 4,872 |
Cost of funding earning assets | 0.1356% | 5,188 |
Net interest margin | 3.5222% | 3,523 |
Noninterest income to average assets | 0.3952% | 3,295 |
Noninterest expense to average assets | 2.3158% | 3,965 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.1283% | 2,411 |
Return on assets (ROA) | 1.1283% | 2,484 |
Pretax return on assets | 1.4333% | 2,091 |
Return on Equity (ROE) | 9.5055% | 2,629 |
Retained earnings to average equity (ytd only) | 9.5055% | 908 |
Net charge-offs to loans | 0.1179% | 1,249 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 31.7843% | 1,420 |
Efficiency ratio | 61.7689% | 3,471 |
Assets per employee ($millions) | 5.8277% | 1,669 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8151% | 4,391 |
Loan loss allowance to noncurrent loans | 29.4068% | 4,560 |
Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,315 |
Noncurrent loans to loans | 2.7717% | 385 |
Net loans and leases to total assets | 37.1575% | 4,940 |
Net loans and leases to deposits | 43.2203% | 4,968 |
Net loans and leases to core deposits | 43.8543% | 4,998 |
Total domestic deposits to total assets | 85.9724% | 2,045 |
Equity capital to assets | 12.2069% | 2,049 |
Core capital (leverage) ratio | 12.2619% | 1,670 |
Tier 1 risk-based capital ratio | 26.2028% | 672 |
Total risk-based capital ratio | 26.8636% | 696 |
Memoranda: | ||
Average total assets | $226,188,000 | 2,642 |
Average earning assets | $215,379,000 | 2,598 |
Average equity | $26,847,670 | 2,575 |
Average total loans | $86,481,000 | 3,544 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7166% | 4,821 |
Cost of funding earning assets | 0.1289% | 5,245 |
Net interest margin | 3.5876% | 3,299 |
Noninterest income to average assets | 0.4006% | 3,179 |
Noninterest expense to average assets | 2.2319% | 4,180 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.2374% | 1,926 |
Return on assets (ROA) | 1.2374% | 1,974 |
Pretax return on assets | 1.5724% | 1,540 |
Return on Equity (ROE) | 10.5760% | 2,129 |
Retained earnings to average equity (ytd only) | 10.5760% | 910 |
Net charge-offs to loans | 0.1698% | 804 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 23.9730% | 1,462 |
Efficiency ratio | 58.6673% | 3,993 |
Assets per employee ($millions) | 5.6352% | 1,854 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8087% | 4,495 |
Loan loss allowance to noncurrent loans | 38.6674% | 4,481 |
Noncurrent assets plus other real estate owned to assets | 0.8700% | 1,627 |
Noncurrent loans to loans | 2.0915% | 703 |
Net loans and leases to total assets | 39.5116% | 4,906 |
Net loans and leases to deposits | 46.0971% | 4,927 |
Net loans and leases to core deposits | 47.0673% | 4,959 |
Total domestic deposits to total assets | 85.7138% | 2,402 |
Equity capital to assets | 12.2414% | 1,882 |
Core capital (leverage) ratio | 12.1988% | 1,664 |
Tier 1 risk-based capital ratio | 24.7188% | 780 |
Total risk-based capital ratio | 25.3684% | 815 |
Memoranda: | ||
Average total assets | $225,641,500 | 2,673 |
Average earning assets | $214,068,500 | 2,633 |
Average equity | $26,399,500 | 2,611 |
Average total loans | $87,148,500 | 3,556 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2355% | 5,124 |
Cost of funding earning assets | 0.1210% | 5,240 |
Net interest margin | 3.1145% | 4,628 |
Noninterest income to average assets | 0.3802% | 3,554 |
Noninterest expense to average assets | 2.2478% | 4,227 |
Loan and lease loss provision to assets | 0.0009% | 4,074 |
Net operating income to assets | 0.8521% | 3,599 |
Return on assets (ROA) | 0.8521% | 3,597 |
Pretax return on assets | 1.0709% | 3,370 |
Return on Equity (ROE) | 7.6523% | 3,593 |
Retained earnings to average equity (ytd only) | 2.6647% | 4,071 |
Net charge-offs to loans | 0.1283% | 1,469 |
Credit loss provision to net charge-offs | 1.7857% | 3,448 |
Earnings coverage of net charge-offs (x) | 22.1250% | 1,915 |
Efficiency ratio | 67.7134% | 2,596 |
Assets per employee ($millions) | 5.9362% | 1,567 |
Cash dividends to net income (ytd only)* | 65.1777% | 1,270 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8588% | 4,336 |
Loan loss allowance to noncurrent loans | 41.3200% | 4,469 |
Noncurrent assets plus other real estate owned to assets | 0.7848% | 1,781 |
Noncurrent loans to loans | 2.0783% | 642 |
Net loans and leases to total assets | 37.1510% | 5,040 |
Net loans and leases to deposits | 42.6583% | 5,060 |
Net loans and leases to core deposits | 43.4442% | 5,086 |
Total domestic deposits to total assets | 87.0897% | 1,745 |
Equity capital to assets | 11.1856% | 2,528 |
Core capital (leverage) ratio | 11.5002% | 2,101 |
Tier 1 risk-based capital ratio | 25.0511% | 738 |
Total risk-based capital ratio | 25.7622% | 761 |
Memoranda: | ||
Average total assets | $231,201,200 | 2,608 |
Average earning assets | $218,204,400 | 2,575 |
Average equity | $25,743,800 | 2,586 |
Average total loans | $87,314,800 | 3,529 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1620% | 5,215 |
Cost of funding earning assets | 0.1172% | 5,312 |
Net interest margin | 3.0447% | 4,787 |
Noninterest income to average assets | 0.3779% | 3,614 |
Noninterest expense to average assets | 2.2071% | 4,308 |
Loan and lease loss provision to assets | 0.0012% | 3,933 |
Net operating income to assets | 0.8371% | 3,787 |
Return on assets (ROA) | 0.8371% | 3,794 |
Pretax return on assets | 1.0459% | 3,586 |
Return on Equity (ROE) | 7.5260% | 3,737 |
Retained earnings to average equity (ytd only) | 6.7480% | 2,265 |
Net charge-offs to loans | 0.1494% | 1,102 |
Credit loss provision to net charge-offs | 2.0408% | 3,081 |
Earnings coverage of net charge-offs (x) | 18.5209% | 2,049 |
Efficiency ratio | 67.8249% | 2,568 |
Assets per employee ($millions) | 5.6224% | 1,808 |
Cash dividends to net income (ytd only)* | 10.3379% | 3,365 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8503% | 4,459 |
Loan loss allowance to noncurrent loans | 43.3962% | 4,525 |
Noncurrent assets plus other real estate owned to assets | 0.7955% | 1,860 |
Noncurrent loans to loans | 1.9593% | 766 |
Net loans and leases to total assets | 39.3548% | 5,043 |
Net loans and leases to deposits | 45.7663% | 5,061 |
Net loans and leases to core deposits | 46.6290% | 5,091 |
Total domestic deposits to total assets | 85.9908% | 2,195 |
Equity capital to assets | 11.6472% | 2,147 |
Core capital (leverage) ratio | 11.9897% | 1,791 |
Tier 1 risk-based capital ratio | 24.9376% | 762 |
Total risk-based capital ratio | 25.6423% | 785 |
Memoranda: | ||
Average total assets | $231,123,500 | 2,614 |
Average earning assets | $218,340,500 | 2,589 |
Average equity | $25,705,750 | 2,600 |
Average total loans | $87,455,000 | 3,556 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0502% | 5,313 |
Cost of funding earning assets | 0.1146% | 5,362 |
Net interest margin | 2.9356% | 4,967 |
Noninterest income to average assets | 0.3731% | 3,661 |
Noninterest expense to average assets | 2.2204% | 4,321 |
Loan and lease loss provision to assets | 0.0017% | 3,765 |
Net operating income to assets | 0.7410% | 4,065 |
Return on assets (ROA) | 0.7410% | 4,066 |
Pretax return on assets | 0.9202% | 3,907 |
Return on Equity (ROE) | 6.7651% | 3,970 |
Retained earnings to average equity (ytd only) | 5.5906% | 2,773 |
Net charge-offs to loans | 0.1957% | 802 |
Credit loss provision to net charge-offs | 2.3529% | 2,755 |
Earnings coverage of net charge-offs (x) | 12.6471% | 2,192 |
Efficiency ratio | 70.6605% | 2,221 |
Assets per employee ($millions) | 5.6610% | 1,747 |
Cash dividends to net income (ytd only)* | 17.3611% | 3,085 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8894% | 4,388 |
Loan loss allowance to noncurrent loans | 40.9984% | 4,578 |
Noncurrent assets plus other real estate owned to assets | 0.8492% | 1,756 |
Noncurrent loans to loans | 2.1693% | 652 |
Net loans and leases to total assets | 37.9924% | 5,123 |
Net loans and leases to deposits | 43.9363% | 5,146 |
Net loans and leases to core deposits | 44.7574% | 5,181 |
Total domestic deposits to total assets | 86.4715% | 2,069 |
Equity capital to assets | 11.3690% | 2,296 |
Core capital (leverage) ratio | 11.5537% | 2,030 |
Tier 1 risk-based capital ratio | 24.4477% | 797 |
Total risk-based capital ratio | 25.1661% | 811 |
Memoranda: | ||
Average total assets | $233,199,670 | 2,610 |
Average earning assets | $219,987,000 | 2,586 |
Average equity | $25,543,000 | 2,627 |
Average total loans | $86,851,330 | 3,587 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0068% | 5,367 |
Cost of funding earning assets | 0.1114% | 5,425 |
Net interest margin | 2.8954% | 5,036 |
Noninterest income to average assets | 0.3737% | 3,640 |
Noninterest expense to average assets | 2.1405% | 4,554 |
Loan and lease loss provision to assets | 0.0034% | 3,470 |
Net operating income to assets | 0.7693% | 3,833 |
Return on assets (ROA) | 0.7693% | 3,834 |
Pretax return on assets | 0.9553% | 3,684 |
Return on Equity (ROE) | 7.1534% | 3,725 |
Retained earnings to average equity (ytd only) | 7.1534% | 2,213 |
Net charge-offs to loans | 0.1243% | 1,046 |
Credit loss provision to net charge-offs | 7.4074% | 2,179 |
Earnings coverage of net charge-offs (x) | 21.0000% | 1,444 |
Efficiency ratio | 69.0671% | 2,655 |
Assets per employee ($millions) | 5.8982% | 1,603 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9610% | 4,169 |
Loan loss allowance to noncurrent loans | 36.4035% | 4,708 |
Noncurrent assets plus other real estate owned to assets | 1.0086% | 1,559 |
Noncurrent loans to loans | 2.6398% | 489 |
Net loans and leases to total assets | 37.1863% | 5,168 |
Net loans and leases to deposits | 43.2835% | 5,178 |
Net loans and leases to core deposits | 44.0830% | 5,210 |
Total domestic deposits to total assets | 85.9135% | 2,582 |
Equity capital to assets | 11.0908% | 2,495 |
Core capital (leverage) ratio | 11.3825% | 2,099 |
Tier 1 risk-based capital ratio | 24.6833% | 772 |
Total risk-based capital ratio | 25.4709% | 799 |
Memoranda: | ||
Average total assets | $236,579,500 | 2,616 |
Average earning assets | $222,696,500 | 2,589 |
Average equity | $25,442,500 | 2,658 |
Average total loans | $86,876,000 | 3,611 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7803% | 5,466 |
Cost of funding earning assets | 0.1180% | 5,424 |
Net interest margin | 2.6623% | 5,305 |
Noninterest income to average assets | 0.5536% | 2,697 |
Noninterest expense to average assets | 2.1436% | 4,668 |
Loan and lease loss provision to assets | 0.0026% | 4,194 |
Net operating income to assets | 0.6636% | 3,759 |
Return on assets (ROA) | 0.6636% | 3,798 |
Pretax return on assets | 0.9173% | 3,856 |
Return on Equity (ROE) | 5.9974% | 3,766 |
Retained earnings to average equity (ytd only) | 0.3055% | 4,905 |
Net charge-offs to loans | 0.0776% | 2,339 |
Credit loss provision to net charge-offs | 9.0909% | 3,670 |
Earnings coverage of net charge-offs (x) | 32.5758% | 1,460 |
Efficiency ratio | 69.9721% | 2,552 |
Assets per employee ($millions) | 6.0783% | 1,467 |
Cash dividends to net income (ytd only)* | 94.9065% | 455 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9785% | 4,058 |
Loan loss allowance to noncurrent loans | 52.5184% | 4,430 |
Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,259 |
Noncurrent loans to loans | 1.8631% | 849 |
Net loans and leases to total assets | 35.5890% | 5,302 |
Net loans and leases to deposits | 40.6806% | 5,325 |
Net loans and leases to core deposits | 41.3774% | 5,352 |
Total domestic deposits to total assets | 87.4841% | 1,771 |
Equity capital to assets | 10.4359% | 3,228 |
Core capital (leverage) ratio | 11.0373% | 2,305 |
Tier 1 risk-based capital ratio | 24.7883% | 741 |
Total risk-based capital ratio | 25.6176% | 765 |
Memoranda: | ||
Average total assets | $233,723,800 | 2,615 |
Average earning assets | $220,335,400 | 2,579 |
Average equity | $25,861,400 | 2,616 |
Average total loans | $85,033,200 | 3,634 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7585% | 5,535 |
Cost of funding earning assets | 0.1188% | 5,485 |
Net interest margin | 2.6397% | 5,378 |
Noninterest income to average assets | 0.6097% | 2,426 |
Noninterest expense to average assets | 2.1103% | 4,713 |
Loan and lease loss provision to assets | 0.0029% | 4,053 |
Net operating income to assets | 0.7722% | 3,636 |
Return on assets (ROA) | 0.7722% | 3,687 |
Pretax return on assets | 0.9929% | 3,712 |
Return on Equity (ROE) | 6.8760% | 3,732 |
Retained earnings to average equity (ytd only) | 4.8234% | 3,007 |
Net charge-offs to loans | 0.1010% | 1,772 |
Credit loss provision to net charge-offs | 7.8125% | 3,238 |
Earnings coverage of net charge-offs (x) | 27.0004% | 1,655 |
Efficiency ratio | 67.9406% | 2,884 |
Assets per employee ($millions) | 5.6534% | 1,777 |
Cash dividends to net income (ytd only)* | 29.8508% | 2,756 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9855% | 4,147 |
Loan loss allowance to noncurrent loans | 55.6929% | 4,432 |
Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,443 |
Noncurrent loans to loans | 1.7696% | 1,017 |
Net loans and leases to total assets | 37.1037% | 5,303 |
Net loans and leases to deposits | 44.1203% | 5,312 |
Net loans and leases to core deposits | 44.9355% | 5,343 |
Total domestic deposits to total assets | 84.0967% | 3,087 |
Equity capital to assets | 11.4247% | 2,442 |
Core capital (leverage) ratio | 11.5830% | 1,961 |
Tier 1 risk-based capital ratio | 24.9905% | 753 |
Total risk-based capital ratio | 25.8003% | 780 |
Memoranda: | ||
Average total assets | $231,372,000 | 2,651 |
Average earning assets | $218,808,500 | 2,611 |
Average equity | $25,983,500 | 2,630 |
Average total loans | $84,445,750 | 3,675 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6703% | 5,604 |
Cost of funding earning assets | 0.1183% | 5,521 |
Net interest margin | 2.5520% | 5,470 |
Noninterest income to average assets | 0.7032% | 1,976 |
Noninterest expense to average assets | 2.1493% | 4,671 |
Loan and lease loss provision to assets | 0.0026% | 3,846 |
Net operating income to assets | 0.7776% | 3,503 |
Return on assets (ROA) | 0.7776% | 3,555 |
Pretax return on assets | 0.9592% | 3,728 |
Return on Equity (ROE) | 6.9642% | 3,572 |
Retained earnings to average equity (ytd only) | 5.0276% | 2,691 |
Net charge-offs to loans | 0.0980% | 1,639 |
Credit loss provision to net charge-offs | 7.3171% | 2,869 |
Earnings coverage of net charge-offs (x) | 27.1220% | 1,549 |
Efficiency ratio | 69.0853% | 2,833 |
Assets per employee ($millions) | 5.6289% | 1,760 |
Cash dividends to net income (ytd only)* | 27.8087% | 2,845 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0535% | 3,833 |
Loan loss allowance to noncurrent loans | 54.1024% | 4,494 |
Noncurrent assets plus other real estate owned to assets | 0.7275% | 2,387 |
Noncurrent loans to loans | 1.9472% | 881 |
Net loans and leases to total assets | 35.6919% | 5,389 |
Net loans and leases to deposits | 42.2360% | 5,392 |
Net loans and leases to core deposits | 43.1057% | 5,416 |
Total domestic deposits to total assets | 84.5060% | 3,006 |
Equity capital to assets | 11.3581% | 2,450 |
Core capital (leverage) ratio | 11.4040% | 2,045 |
Tier 1 risk-based capital ratio | 25.3532% | 719 |
Total risk-based capital ratio | 26.2042% | 739 |
Memoranda: | ||
Average total assets | $231,233,330 | 2,667 |
Average earning assets | $218,180,670 | 2,625 |
Average equity | $25,817,670 | 2,644 |
Average total loans | $83,641,670 | 3,702 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6387% | 5,670 |
Cost of funding earning assets | 0.1138% | 5,598 |
Net interest margin | 2.5249% | 5,527 |
Noninterest income to average assets | 1.0058% | 995 |
Noninterest expense to average assets | 2.1084% | 4,832 |
Loan and lease loss provision to assets | 0.0035% | 3,513 |
Net operating income to assets | 1.0732% | 1,965 |
Return on assets (ROA) | 1.0732% | 2,014 |
Pretax return on assets | 1.2702% | 2,346 |
Return on Equity (ROE) | 9.6956% | 2,104 |
Retained earnings to average equity (ytd only) | 9.6956% | 885 |
Net charge-offs to loans | 0.1002% | 1,372 |
Credit loss provision to net charge-offs | 9.5238% | 2,228 |
Earnings coverage of net charge-offs (x) | 35.0952% | 1,128 |
Efficiency ratio | 62.3403% | 4,101 |
Assets per employee ($millions) | 5.8274% | 1,623 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0726% | 3,869 |
Loan loss allowance to noncurrent loans | 67.5207% | 4,255 |
Noncurrent assets plus other real estate owned to assets | 0.5942% | 2,867 |
Noncurrent loans to loans | 1.5885% | 1,230 |
Net loans and leases to total assets | 35.4535% | 5,426 |
Net loans and leases to deposits | 42.1058% | 5,414 |
Net loans and leases to core deposits | 42.9663% | 5,442 |
Total domestic deposits to total assets | 84.2010% | 3,395 |
Equity capital to assets | 11.1580% | 2,470 |
Core capital (leverage) ratio | 11.8077% | 1,749 |
Tier 1 risk-based capital ratio | 25.3251% | 749 |
Total risk-based capital ratio | 26.1944% | 763 |
Memoranda: | ||
Average total assets | $231,457,000 | 2,697 |
Average earning assets | $217,833,000 | 2,661 |
Average equity | $25,620,000 | 2,675 |
Average total loans | $83,838,000 | 3,722 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6852% | 5,695 |
Cost of funding earning assets | 0.1248% | 5,588 |
Net interest margin | 2.5604% | 5,548 |
Noninterest income to average assets | 0.4363% | 3,644 |
Noninterest expense to average assets | 2.2404% | 4,675 |
Loan and lease loss provision to assets | -0.0661% | 5,623 |
Net operating income to assets | 0.5021% | 4,624 |
Return on assets (ROA) | 0.5093% | 4,670 |
Pretax return on assets | 0.6823% | 4,550 |
Return on Equity (ROE) | 4.2824% | 4,741 |
Retained earnings to average equity (ytd only) | 0.4398% | 5,149 |
Net charge-offs to loans | 0.0550% | 2,941 |
Credit loss provision to net charge-offs | -306.3830% | 5,085 |
Earnings coverage of net charge-offs (x) | 28.1277% | 1,485 |
Efficiency ratio | 78.6946% | 1,590 |
Assets per employee ($millions) | 5.6053% | 1,777 |
Cash dividends to net income (ytd only)* | 89.7297% | 600 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0875% | 3,779 |
Loan loss allowance to noncurrent loans | 105.7803% | 3,505 |
Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,540 |
Noncurrent loans to loans | 1.0281% | 2,027 |
Net loans and leases to total assets | 36.2132% | 5,476 |
Net loans and leases to deposits | 42.3073% | 5,483 |
Net loans and leases to core deposits | 43.3759% | 5,508 |
Total domestic deposits to total assets | 85.5955% | 2,783 |
Equity capital to assets | 10.9787% | 2,647 |
Core capital (leverage) ratio | 10.9873% | 2,351 |
Tier 1 risk-based capital ratio | 25.0487% | 770 |
Total risk-based capital ratio | 25.9482% | 782 |
Memoranda: | ||
Average total assets | $217,950,200 | 2,780 |
Average earning assets | $205,201,200 | 2,737 |
Average equity | $25,920,200 | 2,642 |
Average total loans | $85,437,800 | 3,673 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6958% | 5,762 |
Cost of funding earning assets | 0.1222% | 5,665 |
Net interest margin | 2.5737% | 5,606 |
Noninterest income to average assets | 0.4403% | 3,629 |
Noninterest expense to average assets | 2.2872% | 4,566 |
Loan and lease loss provision to assets | -0.0905% | 5,776 |
Net operating income to assets | 0.4971% | 4,708 |
Return on assets (ROA) | 0.5067% | 4,773 |
Pretax return on assets | 0.6866% | 4,646 |
Return on Equity (ROE) | 4.1748% | 4,839 |
Retained earnings to average equity (ytd only) | 3.6638% | 3,698 |
Net charge-offs to loans | 0.0404% | 2,829 |
Credit loss provision to net charge-offs | -561.5385% | 5,099 |
Earnings coverage of net charge-offs (x) | 36.1494% | 1,314 |
Efficiency ratio | 79.6889% | 1,473 |
Assets per employee ($millions) | 5.6941% | 1,670 |
Cash dividends to net income (ytd only)* | 12.2399% | 3,489 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0938% | 3,863 |
Loan loss allowance to noncurrent loans | 104.7085% | 3,521 |
Noncurrent assets plus other real estate owned to assets | 0.4278% | 3,711 |
Noncurrent loans to loans | 1.0447% | 2,149 |
Net loans and leases to total assets | 38.0299% | 5,465 |
Net loans and leases to deposits | 45.4207% | 5,473 |
Net loans and leases to core deposits | 46.8177% | 5,482 |
Total domestic deposits to total assets | 83.7281% | 3,307 |
Equity capital to assets | 11.8940% | 2,188 |
Core capital (leverage) ratio | 12.1326% | 1,583 |
Tier 1 risk-based capital ratio | 25.8481% | 729 |
Total risk-based capital ratio | 26.7737% | 742 |
Memoranda: | ||
Average total assets | $214,983,500 | 2,814 |
Average earning assets | $202,973,500 | 2,768 |
Average equity | $26,092,500 | 2,653 |
Average total loans | $85,762,500 | 3,689 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7195% | 5,833 |
Cost of funding earning assets | 0.1227% | 5,742 |
Net interest margin | 2.5968% | 5,667 |
Noninterest income to average assets | 0.4553% | 3,487 |
Noninterest expense to average assets | 2.3751% | 4,415 |
Loan and lease loss provision to assets | -0.1383% | 5,900 |
Net operating income to assets | 0.4957% | 4,696 |
Return on assets (ROA) | 0.4957% | 4,797 |
Pretax return on assets | 0.6669% | 4,724 |
Return on Equity (ROE) | 4.0561% | 4,890 |
Retained earnings to average equity (ytd only) | 3.2864% | 3,806 |
Net charge-offs to loans | 0.0652% | 2,263 |
Credit loss provision to net charge-offs | -525.0000% | 4,947 |
Earnings coverage of net charge-offs (x) | 20.0714% | 1,742 |
Efficiency ratio | 81.7946% | 1,292 |
Assets per employee ($millions) | 5.1739% | 2,111 |
Cash dividends to net income (ytd only)* | 18.9753% | 3,231 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1074% | 3,909 |
Loan loss allowance to noncurrent loans | 86.4438% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.5200% | 3,477 |
Noncurrent loans to loans | 1.2810% | 1,775 |
Net loans and leases to total assets | 39.1937% | 5,461 |
Net loans and leases to deposits | 46.6498% | 5,474 |
Net loans and leases to core deposits | 48.2545% | 5,491 |
Total domestic deposits to total assets | 84.0170% | 3,261 |
Equity capital to assets | 12.3754% | 1,848 |
Core capital (leverage) ratio | 12.0763% | 1,574 |
Tier 1 risk-based capital ratio | 27.2830% | 629 |
Total risk-based capital ratio | 28.2678% | 631 |
Memoranda: | ||
Average total assets | $212,621,330 | 2,861 |
Average earning assets | $200,480,670 | 2,807 |
Average equity | $25,985,670 | 2,668 |
Average total loans | $85,887,670 | 3,695 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7536% | 5,877 |
Cost of funding earning assets | 0.1195% | 5,815 |
Net interest margin | 2.6341% | 5,686 |
Noninterest income to average assets | 0.4660% | 3,362 |
Noninterest expense to average assets | 2.3282% | 4,579 |
Loan and lease loss provision to assets | 0.0038% | 3,621 |
Net operating income to assets | 0.4623% | 4,775 |
Return on assets (ROA) | 0.4623% | 4,858 |
Pretax return on assets | 0.6201% | 4,758 |
Return on Equity (ROE) | 3.8062% | 4,955 |
Retained earnings to average equity (ytd only) | 3.8062% | 3,592 |
Net charge-offs to loans | 0.1198% | 1,394 |
Credit loss provision to net charge-offs | 7.6923% | 2,374 |
Earnings coverage of net charge-offs (x) | 12.7692% | 1,772 |
Efficiency ratio | 78.8670% | 1,770 |
Assets per employee ($millions) | 5.3171% | 2,018 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3247% | 2,778 |
Loan loss allowance to noncurrent loans | 114.9590% | 3,323 |
Noncurrent assets plus other real estate owned to assets | 0.4596% | 3,750 |
Noncurrent loans to loans | 1.1523% | 2,099 |
Net loans and leases to total assets | 38.3379% | 5,542 |
Net loans and leases to deposits | 45.6538% | 5,525 |
Net loans and leases to core deposits | 47.1811% | 5,546 |
Total domestic deposits to total assets | 83.9753% | 3,531 |
Equity capital to assets | 11.9279% | 2,073 |
Core capital (leverage) ratio | 12.3663% | 1,399 |
Tier 1 risk-based capital ratio | 27.0489% | 668 |
Total risk-based capital ratio | 28.2339% | 659 |
Memoranda: | ||
Average total assets | $212,866,500 | 2,856 |
Average earning assets | $200,900,000 | 2,813 |
Average equity | $25,852,500 | 2,676 |
Average total loans | $86,795,000 | 3,689 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9083% | 5,804 |
Cost of funding earning assets | 0.1278% | 5,834 |
Net interest margin | 2.7805% | 5,552 |
Noninterest income to average assets | 0.6110% | 2,667 |
Noninterest expense to average assets | 2.4555% | 4,373 |
Loan and lease loss provision to assets | 0.0015% | 4,359 |
Net operating income to assets | 0.5956% | 4,290 |
Return on assets (ROA) | 0.6324% | 4,215 |
Pretax return on assets | 0.8241% | 4,115 |
Return on Equity (ROE) | 4.8556% | 4,577 |
Retained earnings to average equity (ytd only) | 0.4435% | 5,338 |
Net charge-offs to loans | 0.0892% | 2,543 |
Credit loss provision to net charge-offs | 3.8462% | 3,873 |
Earnings coverage of net charge-offs (x) | 20.0256% | 1,906 |
Efficiency ratio | 75.9433% | 2,279 |
Assets per employee ($millions) | 5.0666% | 2,285 |
Cash dividends to net income (ytd only)* | 90.8661% | 589 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2892% | 2,967 |
Loan loss allowance to noncurrent loans | 147.4903% | 2,847 |
Noncurrent assets plus other real estate owned to assets | 0.3740% | 4,100 |
Noncurrent loans to loans | 0.8741% | 2,604 |
Net loans and leases to total assets | 42.2395% | 5,394 |
Net loans and leases to deposits | 50.0322% | 5,391 |
Net loans and leases to core deposits | 51.6971% | 5,426 |
Total domestic deposits to total assets | 84.4246% | 3,322 |
Equity capital to assets | 12.3727% | 1,686 |
Core capital (leverage) ratio | 12.1478% | 1,531 |
Tier 1 risk-based capital ratio | 25.9765% | 743 |
Total risk-based capital ratio | 27.1501% | 727 |
Memoranda: | ||
Average total assets | $200,818,200 | 2,942 |
Average earning assets | $189,387,600 | 2,898 |
Average equity | $26,155,200 | 2,614 |
Average total loans | $87,452,400 | 3,642 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9285% | 5,870 |
Cost of funding earning assets | 0.1269% | 5,937 |
Net interest margin | 2.8016% | 5,574 |
Noninterest income to average assets | 0.6496% | 2,487 |
Noninterest expense to average assets | 2.4069% | 4,493 |
Loan and lease loss provision to assets | 0.0013% | 4,216 |
Net operating income to assets | 0.7187% | 3,827 |
Return on assets (ROA) | 0.7675% | 3,690 |
Pretax return on assets | 0.9476% | 3,823 |
Return on Equity (ROE) | 5.8167% | 4,239 |
Retained earnings to average equity (ytd only) | 5.3091% | 2,717 |
Net charge-offs to loans | 0.0628% | 2,692 |
Credit loss provision to net charge-offs | 4.8780% | 3,487 |
Earnings coverage of net charge-offs (x) | 32.3631% | 1,421 |
Efficiency ratio | 73.0339% | 2,710 |
Assets per employee ($millions) | 5.1786% | 2,091 |
Cash dividends to net income (ytd only)* | 8.7260% | 3,617 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3449% | 2,884 |
Loan loss allowance to noncurrent loans | 162.8099% | 2,652 |
Noncurrent assets plus other real estate owned to assets | 0.3794% | 4,245 |
Noncurrent loans to loans | 0.8260% | 2,905 |
Net loans and leases to total assets | 41.8581% | 5,499 |
Net loans and leases to deposits | 50.6200% | 5,442 |
Net loans and leases to core deposits | 52.3587% | 5,488 |
Total domestic deposits to total assets | 82.6909% | 3,922 |
Equity capital to assets | 12.8895% | 1,515 |
Core capital (leverage) ratio | 12.9527% | 1,219 |
Tier 1 risk-based capital ratio | 26.8081% | 705 |
Total risk-based capital ratio | 28.0132% | 686 |
Memoranda: | ||
Average total assets | $199,089,750 | 2,977 |
Average earning assets | $188,033,000 | 2,935 |
Average equity | $26,268,500 | 2,628 |
Average total loans | $87,092,750 | 3,696 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9896% | 5,867 |
Cost of funding earning assets | 0.1262% | 6,008 |
Net interest margin | 2.8634% | 5,507 |
Noninterest income to average assets | 0.7658% | 1,926 |
Noninterest expense to average assets | 2.3889% | 4,581 |
Loan and lease loss provision to assets | 0.0020% | 4,042 |
Net operating income to assets | 0.8769% | 3,003 |
Return on assets (ROA) | 0.9511% | 2,745 |
Pretax return on assets | 1.1690% | 2,901 |
Return on Equity (ROE) | 7.1503% | 3,527 |
Retained earnings to average equity (ytd only) | 6.7675% | 1,804 |
Net charge-offs to loans | -0.0530% | 5,566 |
Credit loss provision to net charge-offs | -8.6957% | 4,687 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8784% | 3,514 |
Assets per employee ($millions) | 4.9818% | 2,298 |
Cash dividends to net income (ytd only)* | 5.3533% | 3,550 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4615% | 2,452 |
Loan loss allowance to noncurrent loans | 217.4520% | 2,106 |
Noncurrent assets plus other real estate owned to assets | 0.3101% | 4,641 |
Noncurrent loans to loans | 0.6721% | 3,464 |
Net loans and leases to total assets | 42.1587% | 5,494 |
Net loans and leases to deposits | 50.8418% | 5,456 |
Net loans and leases to core deposits | 52.8484% | 5,490 |
Total domestic deposits to total assets | 82.9212% | 3,982 |
Equity capital to assets | 13.2749% | 1,265 |
Core capital (leverage) ratio | 13.0567% | 1,145 |
Tier 1 risk-based capital ratio | 28.0481% | 633 |
Total risk-based capital ratio | 29.2996% | 632 |
Memoranda: | ||
Average total assets | $196,404,670 | 3,030 |
Average earning assets | $185,373,000 | 2,988 |
Average equity | $26,124,670 | 2,646 |
Average total loans | $86,827,330 | 3,718 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0117% | 5,883 |
Cost of funding earning assets | 0.1196% | 6,118 |
Net interest margin | 2.8921% | 5,472 |
Noninterest income to average assets | 1.0689% | 984 |
Noninterest expense to average assets | 2.3655% | 4,701 |
Loan and lease loss provision to assets | 0.0021% | 3,686 |
Net operating income to assets | 1.1844% | 1,591 |
Return on assets (ROA) | 1.3376% | 1,235 |
Pretax return on assets | 1.6146% | 1,238 |
Return on Equity (ROE) | 10.0460% | 1,984 |
Retained earnings to average equity (ytd only) | 10.0460% | 914 |
Net charge-offs to loans | -0.1096% | 5,886 |
Credit loss provision to net charge-offs | -4.1667% | 4,291 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2907% | 4,754 |
Assets per employee ($millions) | 4.8245% | 2,587 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4322% | 2,772 |
Loan loss allowance to noncurrent loans | 137.5276% | 2,970 |
Noncurrent assets plus other real estate owned to assets | 0.4995% | 4,025 |
Noncurrent loans to loans | 1.0414% | 2,680 |
Net loans and leases to total assets | 43.3517% | 5,398 |
Net loans and leases to deposits | 52.0732% | 5,329 |
Net loans and leases to core deposits | 53.6004% | 5,389 |
Total domestic deposits to total assets | 83.2515% | 4,095 |
Equity capital to assets | 13.3143% | 1,254 |
Core capital (leverage) ratio | 13.4430% | 991 |
Tier 1 risk-based capital ratio | 27.5780% | 673 |
Total risk-based capital ratio | 28.8291% | 657 |
Memoranda: | ||
Average total assets | $194,971,500 | 3,059 |
Average earning assets | $183,949,500 | 3,012 |
Average equity | $25,960,500 | 2,676 |
Average total loans | $87,613,000 | 3,711 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2628% | 5,755 |
Cost of funding earning assets | 0.1311% | 6,193 |
Net interest margin | 3.1318% | 5,124 |
Noninterest income to average assets | 0.5706% | 3,046 |
Noninterest expense to average assets | 2.5344% | 4,436 |
Loan and lease loss provision to assets | 0.0770% | 2,939 |
Net operating income to assets | 0.7085% | 3,845 |
Return on assets (ROA) | 0.6979% | 4,020 |
Pretax return on assets | 0.8263% | 4,161 |
Return on Equity (ROE) | 5.2418% | 4,534 |
Retained earnings to average equity (ytd only) | 0.9720% | 5,341 |
Net charge-offs to loans | 0.0674% | 3,515 |
Credit loss provision to net charge-offs | 249.1525% | 1,024 |
Earnings coverage of net charge-offs (x) | 29.6271% | 1,351 |
Efficiency ratio | 73.4548% | 2,938 |
Assets per employee ($millions) | 4.6863% | 2,747 |
Cash dividends to net income (ytd only)* | 81.4565% | 853 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3839% | 3,022 |
Loan loss allowance to noncurrent loans | 141.1561% | 2,940 |
Noncurrent assets plus other real estate owned to assets | 0.5069% | 4,112 |
Noncurrent loans to loans | 0.9804% | 2,875 |
Net loans and leases to total assets | 45.2836% | 5,386 |
Net loans and leases to deposits | 53.5958% | 5,362 |
Net loans and leases to core deposits | 55.1444% | 5,437 |
Total domestic deposits to total assets | 84.4910% | 3,514 |
Equity capital to assets | 13.3158% | 1,222 |
Core capital (leverage) ratio | 12.6835% | 1,265 |
Tier 1 risk-based capital ratio | 27.2306% | 666 |
Total risk-based capital ratio | 28.4816% | 645 |
Memoranda: | ||
Average total assets | $190,852,600 | 3,093 |
Average earning assets | $175,492,000 | 3,095 |
Average equity | $25,411,000 | 2,624 |
Average total loans | $87,484,600 | 3,686 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3061% | 5,759 |
Cost of funding earning assets | 0.1292% | 6,290 |
Net interest margin | 3.1769% | 5,039 |
Noninterest income to average assets | 0.6102% | 2,805 |
Noninterest expense to average assets | 2.4954% | 4,543 |
Loan and lease loss provision to assets | 0.0924% | 2,509 |
Net operating income to assets | 0.7802% | 3,511 |
Return on assets (ROA) | 0.7691% | 3,677 |
Pretax return on assets | 0.9174% | 3,914 |
Return on Equity (ROE) | 5.7763% | 4,349 |
Retained earnings to average equity (ytd only) | 4.7251% | 3,264 |
Net charge-offs to loans | 0.0764% | 3,107 |
Credit loss provision to net charge-offs | 264.0000% | 1,007 |
Earnings coverage of net charge-offs (x) | 29.2377% | 1,393 |
Efficiency ratio | 70.9228% | 3,354 |
Assets per employee ($millions) | 4.8152% | 2,498 |
Cash dividends to net income (ytd only)* | 18.1983% | 3,275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3840% | 3,252 |
Loan loss allowance to noncurrent loans | 112.6043% | 3,385 |
Noncurrent assets plus other real estate owned to assets | 0.6007% | 4,047 |
Noncurrent loans to loans | 1.2291% | 2,590 |
Net loans and leases to total assets | 44.9477% | 5,457 |
Net loans and leases to deposits | 53.6754% | 5,416 |
Net loans and leases to core deposits | 55.2427% | 5,491 |
Total domestic deposits to total assets | 83.7399% | 3,859 |
Equity capital to assets | 13.5754% | 1,148 |
Core capital (leverage) ratio | 13.5529% | 978 |
Tier 1 risk-based capital ratio | 28.1522% | 636 |
Total risk-based capital ratio | 29.4032% | 617 |
Memoranda: | ||
Average total assets | $190,530,750 | 3,126 |
Average earning assets | $174,421,750 | 3,130 |
Average equity | $25,367,500 | 2,635 |
Average total loans | $87,298,500 | 3,723 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3526% | 5,711 |
Cost of funding earning assets | 0.1315% | 6,355 |
Net interest margin | 3.2211% | 4,868 |
Noninterest income to average assets | 0.6300% | 2,653 |
Noninterest expense to average assets | 2.4442% | 4,757 |
Loan and lease loss provision to assets | 0.0906% | 2,514 |
Net operating income to assets | 0.8605% | 3,011 |
Return on assets (ROA) | 0.8439% | 3,207 |
Pretax return on assets | 1.0177% | 3,410 |
Return on Equity (ROE) | 6.3805% | 3,950 |
Retained earnings to average equity (ytd only) | 5.1857% | 2,840 |
Net charge-offs to loans | 0.0849% | 2,840 |
Credit loss provision to net charge-offs | 232.4324% | 1,045 |
Earnings coverage of net charge-offs (x) | 28.9459% | 1,288 |
Efficiency ratio | 68.4164% | 3,934 |
Assets per employee ($millions) | 4.4709% | 2,965 |
Cash dividends to net income (ytd only)* | 18.7266% | 3,219 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3689% | 3,491 |
Loan loss allowance to noncurrent loans | 153.9063% | 2,661 |
Noncurrent assets plus other real estate owned to assets | 0.4644% | 4,601 |
Noncurrent loans to loans | 0.8894% | 3,478 |
Net loans and leases to total assets | 45.3546% | 5,428 |
Net loans and leases to deposits | 54.6202% | 5,312 |
Net loans and leases to core deposits | 56.1755% | 5,399 |
Total domestic deposits to total assets | 83.0364% | 4,291 |
Equity capital to assets | 13.7418% | 1,067 |
Core capital (leverage) ratio | 13.3278% | 1,040 |
Tier 1 risk-based capital ratio | 28.7223% | 602 |
Total risk-based capital ratio | 29.9729% | 586 |
Memoranda: | ||
Average total assets | $189,839,000 | 3,153 |
Average earning assets | $173,418,330 | 3,156 |
Average equity | $25,107,670 | 2,650 |
Average total loans | $87,135,670 | 3,739 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3414% | 5,765 |
Cost of funding earning assets | 0.1317% | 6,437 |
Net interest margin | 3.2097% | 4,893 |
Noninterest income to average assets | 0.5868% | 2,811 |
Noninterest expense to average assets | 2.5274% | 4,529 |
Loan and lease loss provision to assets | 0.0775% | 2,591 |
Net operating income to assets | 0.7523% | 3,407 |
Return on assets (ROA) | 0.7523% | 3,490 |
Pretax return on assets | 0.8928% | 3,725 |
Return on Equity (ROE) | 5.7998% | 4,130 |
Retained earnings to average equity (ytd only) | 4.9920% | 3,113 |
Net charge-offs to loans | 0.0137% | 3,327 |
Credit loss provision to net charge-offs | 1,233.3333% | 262 |
Earnings coverage of net charge-offs (x) | 154.3333% | 317 |
Efficiency ratio | 72.2588% | 3,440 |
Assets per employee ($millions) | 4.6016% | 2,814 |
Cash dividends to net income (ytd only)* | 13.9276% | 2,625 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3466% | 3,868 |
Loan loss allowance to noncurrent loans | 101.7437% | 3,569 |
Noncurrent assets plus other real estate owned to assets | 0.6473% | 4,196 |
Noncurrent loans to loans | 1.3236% | 2,819 |
Net loans and leases to total assets | 44.2355% | 5,487 |
Net loans and leases to deposits | 53.1250% | 5,365 |
Net loans and leases to core deposits | 54.7839% | 5,450 |
Total domestic deposits to total assets | 83.2668% | 4,510 |
Equity capital to assets | 12.9861% | 1,311 |
Core capital (leverage) ratio | 13.5729% | 953 |
Tier 1 risk-based capital ratio | 27.4881% | 681 |
Total risk-based capital ratio | 28.7381% | 667 |
Memoranda: | ||
Average total assets | $190,869,500 | 3,154 |
Average earning assets | $173,099,500 | 3,179 |
Average equity | $24,759,500 | 2,668 |
Average total loans | $87,529,500 | 3,760 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3984% | 5,840 |
Cost of funding earning assets | 0.1456% | 6,555 |
Net interest margin | 3.2528% | 4,827 |
Noninterest income to average assets | 0.4727% | 3,939 |
Noninterest expense to average assets | 2.4322% | 4,982 |
Loan and lease loss provision to assets | 0.0370% | 4,379 |
Net operating income to assets | 0.7608% | 3,492 |
Return on assets (ROA) | 0.7608% | 3,588 |
Pretax return on assets | 0.9676% | 3,492 |
Return on Equity (ROE) | 5.8220% | 4,195 |
Retained earnings to average equity (ytd only) | 2.3062% | 4,608 |
Net charge-offs to loans | 0.2193% | 2,710 |
Credit loss provision to net charge-offs | 37.0370% | 4,097 |
Earnings coverage of net charge-offs (x) | 10.0529% | 2,428 |
Efficiency ratio | 70.7692% | 3,708 |
Assets per employee ($millions) | 4.7118% | 2,571 |
Cash dividends to net income (ytd only)* | 60.3892% | 1,743 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2817% | 4,229 |
Loan loss allowance to noncurrent loans | 93.6364% | 3,783 |
Noncurrent assets plus other real estate owned to assets | 0.7105% | 4,117 |
Noncurrent loans to loans | 1.3688% | 2,849 |
Net loans and leases to total assets | 46.3021% | 5,461 |
Net loans and leases to deposits | 54.4990% | 5,428 |
Net loans and leases to core deposits | 56.4653% | 5,497 |
Total domestic deposits to total assets | 84.9595% | 3,770 |
Equity capital to assets | 12.9574% | 1,292 |
Core capital (leverage) ratio | 13.2052% | 1,050 |
Tier 1 risk-based capital ratio | 26.6608% | 718 |
Total risk-based capital ratio | 27.8690% | 700 |
Memoranda: | ||
Average total assets | $189,132,400 | 3,173 |
Average earning assets | $172,344,600 | 3,185 |
Average equity | $24,716,400 | 2,650 |
Average total loans | $86,164,000 | 3,775 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3753% | 5,934 |
Cost of funding earning assets | 0.1476% | 6,647 |
Net interest margin | 3.2277% | 4,910 |
Noninterest income to average assets | 0.4747% | 3,974 |
Noninterest expense to average assets | 2.4821% | 4,783 |
Loan and lease loss provision to assets | 0.0444% | 4,130 |
Net operating income to assets | 0.7170% | 3,770 |
Return on assets (ROA) | 0.7170% | 3,901 |
Pretax return on assets | 0.8903% | 3,926 |
Return on Equity (ROE) | 5.4751% | 4,477 |
Retained earnings to average equity (ytd only) | 4.9373% | 3,128 |
Net charge-offs to loans | 0.1199% | 3,353 |
Credit loss provision to net charge-offs | 81.8182% | 2,796 |
Earnings coverage of net charge-offs (x) | 17.2345% | 1,743 |
Efficiency ratio | 72.6448% | 3,294 |
Assets per employee ($millions) | 4.6576% | 2,634 |
Cash dividends to net income (ytd only)* | 9.8232% | 3,484 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4464% | 3,699 |
Loan loss allowance to noncurrent loans | 85.4972% | 3,890 |
Noncurrent assets plus other real estate owned to assets | 0.8840% | 3,913 |
Noncurrent loans to loans | 1.6917% | 2,658 |
Net loans and leases to total assets | 45.2779% | 5,604 |
Net loans and leases to deposits | 54.3543% | 5,502 |
Net loans and leases to core deposits | 57.3006% | 5,510 |
Total domestic deposits to total assets | 83.3014% | 4,463 |
Equity capital to assets | 13.3669% | 1,176 |
Core capital (leverage) ratio | 13.5394% | 1,009 |
Tier 1 risk-based capital ratio | 28.1352% | 623 |
Total risk-based capital ratio | 29.3872% | 610 |
Memoranda: | ||
Average total assets | $189,297,750 | 3,195 |
Average earning assets | $172,542,500 | 3,212 |
Average equity | $24,790,250 | 2,669 |
Average total loans | $85,605,250 | 3,822 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3301% | 6,036 |
Cost of funding earning assets | 0.1475% | 6,721 |
Net interest margin | 3.1826% | 5,001 |
Noninterest income to average assets | 0.4698% | 4,026 |
Noninterest expense to average assets | 2.4814% | 4,799 |
Loan and lease loss provision to assets | 0.0578% | 3,850 |
Net operating income to assets | 0.6758% | 3,927 |
Return on assets (ROA) | 0.6758% | 4,088 |
Pretax return on assets | 0.8324% | 4,186 |
Return on Equity (ROE) | 5.1954% | 4,620 |
Retained earnings to average equity (ytd only) | 4.3874% | 3,477 |
Net charge-offs to loans | 0.1378% | 3,000 |
Credit loss provision to net charge-offs | 93.2203% | 2,369 |
Earnings coverage of net charge-offs (x) | 14.3559% | 1,829 |
Efficiency ratio | 73.5973% | 3,206 |
Assets per employee ($millions) | 4.6891% | 2,530 |
Cash dividends to net income (ytd only)* | 15.5521% | 3,157 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4958% | 3,610 |
Loan loss allowance to noncurrent loans | 83.3111% | 3,934 |
Noncurrent assets plus other real estate owned to assets | 0.8909% | 4,010 |
Noncurrent loans to loans | 1.7955% | 2,647 |
Net loans and leases to total assets | 43.8157% | 5,753 |
Net loans and leases to deposits | 51.6361% | 5,716 |
Net loans and leases to core deposits | 54.4247% | 5,717 |
Total domestic deposits to total assets | 84.8549% | 3,962 |
Equity capital to assets | 12.9528% | 1,362 |
Core capital (leverage) ratio | 12.6873% | 1,296 |
Tier 1 risk-based capital ratio | 28.3820% | 609 |
Total risk-based capital ratio | 29.6343% | 599 |
Memoranda: | ||
Average total assets | $190,296,000 | 3,189 |
Average earning assets | $173,507,330 | 3,206 |
Average equity | $24,752,670 | 2,686 |
Average total loans | $85,609,670 | 3,832 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3204% | 6,113 |
Cost of funding earning assets | 0.1409% | 6,822 |
Net interest margin | 3.1795% | 5,000 |
Noninterest income to average assets | 0.4529% | 4,106 |
Noninterest expense to average assets | 2.5962% | 4,417 |
Loan and lease loss provision to assets | 0.1002% | 3,008 |
Net operating income to assets | 0.5635% | 4,393 |
Return on assets (ROA) | 0.5635% | 4,546 |
Pretax return on assets | 0.6762% | 4,672 |
Return on Equity (ROE) | 4.3232% | 4,933 |
Retained earnings to average equity (ytd only) | 2.7220% | 4,654 |
Net charge-offs to loans | 0.0692% | 3,147 |
Credit loss provision to net charge-offs | 320.0000% | 755 |
Earnings coverage of net charge-offs (x) | 24.8000% | 1,069 |
Efficiency ratio | 76.9802% | 2,767 |
Assets per employee ($millions) | 4.8947% | 2,359 |
Cash dividends to net income (ytd only)* | 37.0370% | 1,924 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4825% | 3,892 |
Loan loss allowance to noncurrent loans | 48.3810% | 5,232 |
Noncurrent assets plus other real estate owned to assets | 1.4551% | 3,074 |
Noncurrent loans to loans | 3.0643% | 1,631 |
Net loans and leases to total assets | 43.6145% | 5,704 |
Net loans and leases to deposits | 51.4611% | 5,669 |
Net loans and leases to core deposits | 53.4890% | 5,711 |
Total domestic deposits to total assets | 84.7524% | 4,155 |
Equity capital to assets | 12.7689% | 1,550 |
Core capital (leverage) ratio | 13.0213% | 1,106 |
Tier 1 risk-based capital ratio | 27.0697% | 699 |
Total risk-based capital ratio | 28.3218% | 684 |
Memoranda: | ||
Average total assets | $191,661,500 | 3,203 |
Average earning assets | $176,003,000 | 3,198 |
Average equity | $24,981,500 | 2,709 |
Average total loans | $86,699,000 | 3,822 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6994% | 6,055 |
Cost of funding earning assets | 0.2602% | 6,630 |
Net interest margin | 3.4391% | 4,747 |
Noninterest income to average assets | 0.4610% | 4,166 |
Noninterest expense to average assets | 2.3586% | 5,534 |
Loan and lease loss provision to assets | 0.4016% | 1,615 |
Net operating income to assets | 0.6190% | 4,149 |
Return on assets (ROA) | 0.6961% | 4,011 |
Pretax return on assets | 0.9311% | 3,805 |
Return on Equity (ROE) | 5.1985% | 4,596 |
Retained earnings to average equity (ytd only) | 1.6195% | 5,058 |
Net charge-offs to loans | 0.6992% | 1,692 |
Credit loss provision to net charge-offs | 125.2087% | 2,261 |
Earnings coverage of net charge-offs (x) | 3.8347% | 3,578 |
Efficiency ratio | 65.7266% | 4,556 |
Assets per employee ($millions) | 4.6884% | 2,657 |
Cash dividends to net income (ytd only)* | 68.8462% | 1,418 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4437% | 3,966 |
Loan loss allowance to noncurrent loans | 43.9916% | 5,434 |
Noncurrent assets plus other real estate owned to assets | 1.5176% | 3,102 |
Noncurrent loans to loans | 3.2818% | 1,563 |
Net loans and leases to total assets | 45.5750% | 5,661 |
Net loans and leases to deposits | 53.8829% | 5,664 |
Net loans and leases to core deposits | 55.9590% | 5,718 |
Total domestic deposits to total assets | 84.5815% | 4,052 |
Equity capital to assets | 13.3111% | 1,311 |
Core capital (leverage) ratio | 12.8606% | 1,171 |
Tier 1 risk-based capital ratio | 27.1548% | 680 |
Total risk-based capital ratio | 28.4063% | 666 |
Memoranda: | ||
Average total assets | $186,760,600 | 3,209 |
Average earning assets | $169,839,800 | 3,229 |
Average equity | $25,007,400 | 2,656 |
Average total loans | $85,675,200 | 3,858 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7698% | 6,088 |
Cost of funding earning assets | 0.2896% | 6,661 |
Net interest margin | 3.4803% | 4,713 |
Noninterest income to average assets | 0.4188% | 4,488 |
Noninterest expense to average assets | 2.3691% | 5,490 |
Loan and lease loss provision to assets | 0.3345% | 1,957 |
Net operating income to assets | 0.6519% | 4,132 |
Return on assets (ROA) | 0.7532% | 3,932 |
Pretax return on assets | 1.0027% | 3,698 |
Return on Equity (ROE) | 5.6170% | 4,524 |
Retained earnings to average equity (ytd only) | 4.6045% | 3,662 |
Net charge-offs to loans | 0.6197% | 1,780 |
Credit loss provision to net charge-offs | 117.8841% | 2,459 |
Earnings coverage of net charge-offs (x) | 4.2368% | 3,367 |
Efficiency ratio | 66.3398% | 4,386 |
Assets per employee ($millions) | 4.2849% | 3,306 |
Cash dividends to net income (ytd only)* | 18.0268% | 3,136 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3780% | 4,472 |
Loan loss allowance to noncurrent loans | 48.1512% | 5,223 |
Noncurrent assets plus other real estate owned to assets | 1.2910% | 3,711 |
Noncurrent loans to loans | 2.8618% | 1,966 |
Net loans and leases to total assets | 44.4899% | 5,929 |
Net loans and leases to deposits | 53.1354% | 5,880 |
Net loans and leases to core deposits | 55.6293% | 5,922 |
Total domestic deposits to total assets | 83.7293% | 4,346 |
Equity capital to assets | 13.5365% | 1,334 |
Core capital (leverage) ratio | 13.1758% | 1,120 |
Tier 1 risk-based capital ratio | 28.1700% | 643 |
Total risk-based capital ratio | 29.4206% | 624 |
Memoranda: | ||
Average total assets | $186,567,000 | 3,249 |
Average earning assets | $168,987,000 | 3,277 |
Average equity | $25,018,500 | 2,686 |
Average total loans | $85,413,750 | 3,902 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8686% | 5,990 |
Cost of funding earning assets | 0.3266% | 6,616 |
Net interest margin | 3.5419% | 4,498 |
Noninterest income to average assets | 0.4723% | 4,117 |
Noninterest expense to average assets | 2.4076% | 5,432 |
Loan and lease loss provision to assets | 0.4303% | 1,516 |
Net operating income to assets | 0.6307% | 4,224 |
Return on assets (ROA) | 0.7832% | 3,722 |
Pretax return on assets | 1.0457% | 3,538 |
Return on Equity (ROE) | 5.8589% | 4,389 |
Retained earnings to average equity (ytd only) | 4.3298% | 3,736 |
Net charge-offs to loans | 0.8698% | 1,268 |
Credit loss provision to net charge-offs | 107.5269% | 2,536 |
Earnings coverage of net charge-offs (x) | 3.1801% | 3,467 |
Efficiency ratio | 65.4195% | 4,645 |
Assets per employee ($millions) | 4.1507% | 3,562 |
Cash dividends to net income (ytd only)* | 26.0989% | 2,771 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3176% | 4,815 |
Loan loss allowance to noncurrent loans | 154.6575% | 2,170 |
Noncurrent assets plus other real estate owned to assets | 0.5664% | 5,343 |
Noncurrent loans to loans | 0.8520% | 4,814 |
Net loans and leases to total assets | 45.2693% | 5,899 |
Net loans and leases to deposits | 54.1066% | 5,854 |
Net loans and leases to core deposits | 56.9498% | 5,864 |
Total domestic deposits to total assets | 83.6669% | 4,461 |
Equity capital to assets | 13.4372% | 1,326 |
Core capital (leverage) ratio | 13.0424% | 1,138 |
Tier 1 risk-based capital ratio | 27.6758% | 672 |
Total risk-based capital ratio | 28.9263% | 657 |
Memoranda: | ||
Average total assets | $185,911,000 | 3,265 |
Average earning assets | $168,383,330 | 3,288 |
Average equity | $24,851,000 | 2,689 |
Average total loans | $85,534,670 | 3,924 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0091% | 5,729 |
Cost of funding earning assets | 0.3770% | 6,517 |
Net interest margin | 3.6321% | 4,119 |
Noninterest income to average assets | 0.4831% | 4,036 |
Noninterest expense to average assets | 2.5081% | 5,123 |
Loan and lease loss provision to assets | 0.1466% | 3,530 |
Net operating income to assets | 0.8066% | 3,344 |
Return on assets (ROA) | 0.8066% | 3,585 |
Pretax return on assets | 1.1322% | 3,190 |
Return on Equity (ROE) | 6.0499% | 4,264 |
Retained earnings to average equity (ytd only) | 4.5941% | 3,815 |
Net charge-offs to loans | 0.2481% | 2,686 |
Credit loss provision to net charge-offs | 128.3019% | 1,888 |
Earnings coverage of net charge-offs (x) | 11.1887% | 1,693 |
Efficiency ratio | 66.2301% | 4,516 |
Assets per employee ($millions) | 4.2974% | 3,400 |
Cash dividends to net income (ytd only)* | 24.0642% | 2,237 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2989% | 5,027 |
Loan loss allowance to noncurrent loans | 112.2736% | 2,770 |
Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,149 |
Noncurrent loans to loans | 1.1569% | 4,396 |
Net loans and leases to total assets | 44.8489% | 5,910 |
Net loans and leases to deposits | 53.5741% | 5,852 |
Net loans and leases to core deposits | 56.4281% | 5,870 |
Total domestic deposits to total assets | 83.7138% | 4,630 |
Equity capital to assets | 13.1342% | 1,385 |
Core capital (leverage) ratio | 12.9862% | 1,134 |
Tier 1 risk-based capital ratio | 26.7680% | 747 |
Total risk-based capital ratio | 27.9968% | 737 |
Memoranda: | ||
Average total assets | $185,476,500 | 3,289 |
Average earning assets | $168,718,000 | 3,306 |
Average equity | $24,727,500 | 2,691 |
Average total loans | $85,460,500 | 3,956 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3605% | 5,572 |
Cost of funding earning assets | 0.6120% | 6,035 |
Net interest margin | 3.7485% | 4,090 |
Noninterest income to average assets | 0.4529% | 4,191 |
Noninterest expense to average assets | 2.5245% | 5,383 |
Loan and lease loss provision to assets | 0.1842% | 4,351 |
Net operating income to assets | 0.7749% | 3,152 |
Return on assets (ROA) | 0.7749% | 3,318 |
Pretax return on assets | 1.0878% | 2,883 |
Return on Equity (ROE) | 5.6644% | 4,045 |
Retained earnings to average equity (ytd only) | 1.4161% | 5,189 |
Net charge-offs to loans | 0.2718% | 4,073 |
Credit loss provision to net charge-offs | 137.0833% | 2,172 |
Earnings coverage of net charge-offs (x) | 9.4667% | 1,977 |
Efficiency ratio | 66.4946% | 4,660 |
Assets per employee ($millions) | 4.1333% | 3,582 |
Cash dividends to net income (ytd only)* | 75.0000% | 951 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2953% | 4,927 |
Loan loss allowance to noncurrent loans | 93.6224% | 3,217 |
Noncurrent assets plus other real estate owned to assets | 0.8270% | 4,974 |
Noncurrent loans to loans | 1.3835% | 4,071 |
Net loans and leases to total assets | 46.1332% | 6,003 |
Net loans and leases to deposits | 54.9907% | 5,980 |
Net loans and leases to core deposits | 57.4271% | 6,048 |
Total domestic deposits to total assets | 83.8926% | 4,360 |
Equity capital to assets | 13.5374% | 1,246 |
Core capital (leverage) ratio | 12.9845% | 1,148 |
Tier 1 risk-based capital ratio | 26.8608% | 719 |
Total risk-based capital ratio | 28.0917% | 698 |
Memoranda: | ||
Average total assets | $178,612,200 | 3,357 |
Average earning assets | $159,317,800 | 3,420 |
Average equity | $24,433,400 | 2,628 |
Average total loans | $88,306,200 | 3,902 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4967% | 5,263 |
Cost of funding earning assets | 0.6542% | 6,013 |
Net interest margin | 3.8425% | 3,654 |
Noninterest income to average assets | 0.4492% | 4,301 |
Noninterest expense to average assets | 2.5234% | 5,385 |
Loan and lease loss provision to assets | 0.1657% | 4,403 |
Net operating income to assets | 0.8309% | 3,016 |
Return on assets (ROA) | 0.8309% | 3,180 |
Pretax return on assets | 1.1736% | 2,724 |
Return on Equity (ROE) | 6.0578% | 3,998 |
Retained earnings to average equity (ytd only) | 4.7894% | 3,320 |
Net charge-offs to loans | 0.2393% | 3,927 |
Credit loss provision to net charge-offs | 138.1250% | 2,309 |
Earnings coverage of net charge-offs (x) | 11.1624% | 1,835 |
Efficiency ratio | 65.3271% | 4,839 |
Assets per employee ($millions) | 4.1107% | 3,620 |
Cash dividends to net income (ytd only)* | 20.9389% | 2,886 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2493% | 5,253 |
Loan loss allowance to noncurrent loans | 135.1385% | 2,237 |
Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,503 |
Noncurrent loans to loans | 0.9244% | 5,034 |
Net loans and leases to total assets | 46.8942% | 6,063 |
Net loans and leases to deposits | 56.6164% | 5,970 |
Net loans and leases to core deposits | 59.2347% | 6,042 |
Total domestic deposits to total assets | 82.8279% | 4,751 |
Equity capital to assets | 13.9316% | 1,184 |
Core capital (leverage) ratio | 13.6590% | 991 |
Tier 1 risk-based capital ratio | 27.5825% | 691 |
Total risk-based capital ratio | 28.7877% | 680 |
Memoranda: | ||
Average total assets | $177,798,500 | 3,384 |
Average earning assets | $157,947,250 | 3,466 |
Average equity | $24,386,750 | 2,639 |
Average total loans | $89,132,250 | 3,925 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6858% | 4,596 |
Cost of funding earning assets | 0.6986% | 5,973 |
Net interest margin | 3.9871% | 2,902 |
Noninterest income to average assets | 0.4469% | 4,307 |
Noninterest expense to average assets | 2.5999% | 5,181 |
Loan and lease loss provision to assets | 0.1663% | 4,269 |
Net operating income to assets | 0.8429% | 2,890 |
Return on assets (ROA) | 0.8429% | 2,986 |
Pretax return on assets | 1.1868% | 2,534 |
Return on Equity (ROE) | 6.1784% | 3,868 |
Retained earnings to average equity (ytd only) | 4.3290% | 3,440 |
Net charge-offs to loans | 0.3170% | 3,287 |
Credit loss provision to net charge-offs | 102.7972% | 3,009 |
Earnings coverage of net charge-offs (x) | 8.3636% | 2,075 |
Efficiency ratio | 65.7699% | 4,916 |
Assets per employee ($millions) | 4.1049% | 3,540 |
Cash dividends to net income (ytd only)* | 29.9329% | 2,483 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1760% | 5,645 |
Loan loss allowance to noncurrent loans | 169.0516% | 1,776 |
Noncurrent assets plus other real estate owned to assets | 0.5642% | 5,797 |
Noncurrent loans to loans | 0.6956% | 5,516 |
Net loans and leases to total assets | 47.2710% | 6,126 |
Net loans and leases to deposits | 56.7936% | 6,067 |
Net loans and leases to core deposits | 59.1357% | 6,177 |
Total domestic deposits to total assets | 83.2329% | 4,655 |
Equity capital to assets | 13.6583% | 1,219 |
Core capital (leverage) ratio | 13.4064% | 1,023 |
Tier 1 risk-based capital ratio | 26.6307% | 748 |
Total risk-based capital ratio | 27.7486% | 745 |
Memoranda: | ||
Average total assets | $176,775,000 | 3,420 |
Average earning assets | $155,450,000 | 3,533 |
Average equity | $24,116,330 | 2,650 |
Average total loans | $90,213,000 | 3,932 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6555% | 4,721 |
Cost of funding earning assets | 0.7506% | 5,855 |
Net interest margin | 3.9050% | 3,112 |
Noninterest income to average assets | 0.5399% | 3,581 |
Noninterest expense to average assets | 2.7246% | 4,737 |
Loan and lease loss provision to assets | 0.1693% | 3,932 |
Net operating income to assets | 0.7526% | 3,261 |
Return on assets (ROA) | 0.7526% | 3,326 |
Pretax return on assets | 1.0500% | 2,946 |
Return on Equity (ROE) | 5.5201% | 4,155 |
Retained earnings to average equity (ytd only) | 4.8826% | 3,263 |
Net charge-offs to loans | 0.2171% | 3,217 |
Credit loss provision to net charge-offs | 148.0000% | 1,928 |
Earnings coverage of net charge-offs (x) | 10.6600% | 1,617 |
Efficiency ratio | 69.0835% | 4,455 |
Assets per employee ($millions) | 4.0452% | 3,747 |
Cash dividends to net income (ytd only)* | 11.5502% | 2,353 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1266% | 5,951 |
Loan loss allowance to noncurrent loans | 53.2374% | 4,824 |
Noncurrent assets plus other real estate owned to assets | 1.1984% | 4,559 |
Noncurrent loans to loans | 2.1162% | 3,424 |
Net loans and leases to total assets | 51.0829% | 5,706 |
Net loans and leases to deposits | 61.2496% | 5,595 |
Net loans and leases to core deposits | 63.8067% | 5,748 |
Total domestic deposits to total assets | 83.4012% | 4,745 |
Equity capital to assets | 13.5121% | 1,180 |
Core capital (leverage) ratio | 13.4151% | 991 |
Tier 1 risk-based capital ratio | 24.7443% | 905 |
Total risk-based capital ratio | 25.8136% | 904 |
Memoranda: | ||
Average total assets | $174,854,500 | 3,469 |
Average earning assets | $152,421,000 | 3,601 |
Average equity | $23,840,000 | 2,659 |
Average total loans | $92,122,000 | 3,924 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9963% | 4,579 |
Cost of funding earning assets | 0.9345% | 6,010 |
Net interest margin | 4.0618% | 2,738 |
Noninterest income to average assets | 0.5534% | 3,795 |
Noninterest expense to average assets | 2.7232% | 4,884 |
Loan and lease loss provision to assets | 0.2899% | 4,479 |
Net operating income to assets | 0.7938% | 2,832 |
Return on assets (ROA) | 0.7938% | 2,968 |
Pretax return on assets | 1.1332% | 2,450 |
Return on Equity (ROE) | 5.7038% | 3,733 |
Retained earnings to average equity (ytd only) | 1.1697% | 4,961 |
Net charge-offs to loans | 0.6258% | 3,148 |
Credit loss provision to net charge-offs | 83.1683% | 5,431 |
Earnings coverage of net charge-offs (x) | 4.0825% | 3,074 |
Efficiency ratio | 65.6770% | 5,030 |
Assets per employee ($millions) | 3.8160% | 4,218 |
Cash dividends to net income (ytd only)* | 79.4928% | 868 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0977% | 5,955 |
Loan loss allowance to noncurrent loans | 51.1875% | 4,939 |
Noncurrent assets plus other real estate owned to assets | 1.2614% | 4,511 |
Noncurrent loans to loans | 2.1444% | 3,375 |
Net loans and leases to total assets | 53.1522% | 5,761 |
Net loans and leases to deposits | 63.2996% | 5,708 |
Net loans and leases to core deposits | 66.2003% | 5,855 |
Total domestic deposits to total assets | 83.9693% | 4,374 |
Equity capital to assets | 13.7608% | 1,111 |
Core capital (leverage) ratio | 13.1115% | 1,092 |
Tier 1 risk-based capital ratio | 24.0221% | 932 |
Total risk-based capital ratio | 25.0497% | 933 |
Memoranda: | ||
Average total assets | $173,842,000 | 3,470 |
Average earning assets | $153,774,600 | 3,576 |
Average equity | $24,194,400 | 2,639 |
Average total loans | $96,830,400 | 3,876 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9927% | 4,853 |
Cost of funding earning assets | 0.9501% | 6,175 |
Net interest margin | 4.0426% | 2,894 |
Noninterest income to average assets | 0.5452% | 3,825 |
Noninterest expense to average assets | 2.7465% | 4,695 |
Loan and lease loss provision to assets | 0.2149% | 4,918 |
Net operating income to assets | 0.8342% | 2,864 |
Return on assets (ROA) | 0.8342% | 2,995 |
Pretax return on assets | 1.1951% | 2,507 |
Return on Equity (ROE) | 5.9774% | 3,823 |
Retained earnings to average equity (ytd only) | 4.8652% | 3,074 |
Net charge-offs to loans | 0.5090% | 3,256 |
Credit loss provision to net charge-offs | 75.1337% | 5,275 |
Earnings coverage of net charge-offs (x) | 4.9305% | 2,896 |
Efficiency ratio | 66.0780% | 4,840 |
Assets per employee ($millions) | 3.9033% | 4,030 |
Cash dividends to net income (ytd only)* | 18.6068% | 3,029 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0887% | 5,988 |
Loan loss allowance to noncurrent loans | 45.6658% | 5,229 |
Noncurrent assets plus other real estate owned to assets | 1.3862% | 4,389 |
Noncurrent loans to loans | 2.3840% | 3,252 |
Net loans and leases to total assets | 51.7146% | 6,133 |
Net loans and leases to deposits | 62.3411% | 6,084 |
Net loans and leases to core deposits | 65.3170% | 6,179 |
Total domestic deposits to total assets | 82.9541% | 4,607 |
Equity capital to assets | 13.8456% | 1,225 |
Core capital (leverage) ratio | 13.6569% | 1,008 |
Tier 1 risk-based capital ratio | 24.2059% | 924 |
Total risk-based capital ratio | 25.2245% | 923 |
Memoranda: | ||
Average total assets | $174,372,500 | 3,506 |
Average earning assets | $155,769,250 | 3,577 |
Average equity | $24,335,500 | 2,670 |
Average total loans | $97,966,500 | 3,916 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1398% | 4,252 |
Cost of funding earning assets | 0.9771% | 6,250 |
Net interest margin | 4.1626% | 2,284 |
Noninterest income to average assets | 0.5561% | 3,658 |
Noninterest expense to average assets | 2.7513% | 4,698 |
Loan and lease loss provision to assets | 0.1703% | 5,172 |
Net operating income to assets | 0.9279% | 2,445 |
Return on assets (ROA) | 0.9279% | 2,542 |
Pretax return on assets | 1.3357% | 1,992 |
Return on Equity (ROE) | 6.6306% | 3,473 |
Retained earnings to average equity (ytd only) | 4.9999% | 2,899 |
Net charge-offs to loans | 0.4430% | 3,207 |
Credit loss provision to net charge-offs | 66.8182% | 5,054 |
Earnings coverage of net charge-offs (x) | 5.9091% | 2,572 |
Efficiency ratio | 64.6259% | 5,224 |
Assets per employee ($millions) | 3.7623% | 4,315 |
Cash dividends to net income (ytd only)* | 24.5943% | 2,723 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0933% | 5,977 |
Loan loss allowance to noncurrent loans | 55.3372% | 4,615 |
Noncurrent assets plus other real estate owned to assets | 1.2533% | 4,646 |
Noncurrent loans to loans | 1.9756% | 3,756 |
Net loans and leases to total assets | 54.4702% | 5,919 |
Net loans and leases to deposits | 65.6056% | 5,860 |
Net loans and leases to core deposits | 69.0739% | 5,965 |
Total domestic deposits to total assets | 83.0268% | 4,563 |
Equity capital to assets | 14.1408% | 1,122 |
Core capital (leverage) ratio | 13.8701% | 959 |
Tier 1 risk-based capital ratio | 23.1590% | 1,045 |
Total risk-based capital ratio | 24.1644% | 1,057 |
Memoranda: | ||
Average total assets | $172,646,330 | 3,559 |
Average earning assets | $153,508,000 | 3,647 |
Average equity | $24,160,670 | 2,677 |
Average total loans | $99,330,000 | 3,921 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2787% | 3,653 |
Cost of funding earning assets | 0.9775% | 6,480 |
Net interest margin | 4.3012% | 1,689 |
Noninterest income to average assets | 0.5521% | 3,638 |
Noninterest expense to average assets | 2.7674% | 4,618 |
Loan and lease loss provision to assets | 0.1717% | 4,808 |
Net operating income to assets | 0.9859% | 2,239 |
Return on assets (ROA) | 0.9859% | 2,299 |
Pretax return on assets | 1.4405% | 1,667 |
Return on Equity (ROE) | 7.0820% | 3,306 |
Retained earnings to average equity (ytd only) | 7.0820% | 2,103 |
Net charge-offs to loans | 0.1026% | 4,395 |
Credit loss provision to net charge-offs | 284.6154% | 1,387 |
Earnings coverage of net charge-offs (x) | 26.7308% | 947 |
Efficiency ratio | 63.1886% | 5,626 |
Assets per employee ($millions) | 3.4734% | 5,088 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1649% | 5,684 |
Loan loss allowance to noncurrent loans | 65.8550% | 4,066 |
Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,714 |
Noncurrent loans to loans | 1.7689% | 4,097 |
Net loans and leases to total assets | 59.1840% | 5,259 |
Net loans and leases to deposits | 70.4035% | 5,283 |
Net loans and leases to core deposits | 73.2487% | 5,584 |
Total domestic deposits to total assets | 84.0641% | 4,115 |
Equity capital to assets | 14.4862% | 1,008 |
Core capital (leverage) ratio | 13.5676% | 1,065 |
Tier 1 risk-based capital ratio | 20.8996% | 1,355 |
Total risk-based capital ratio | 21.9199% | 1,374 |
Memoranda: | ||
Average total assets | $172,436,000 | 3,621 |
Average earning assets | $153,445,500 | 3,699 |
Average equity | $24,004,500 | 2,719 |
Average total loans | $101,339,000 | 3,913 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4486% | 4,444 |
Cost of funding earning assets | 1.2857% | 6,357 |
Net interest margin | 4.1629% | 2,202 |
Noninterest income to average assets | 0.6417% | 3,346 |
Noninterest expense to average assets | 2.8052% | 4,959 |
Loan and lease loss provision to assets | 0.3642% | 4,615 |
Net operating income to assets | 0.8485% | 2,353 |
Return on assets (ROA) | 0.8473% | 2,445 |
Pretax return on assets | 1.2242% | 1,893 |
Return on Equity (ROE) | 6.1263% | 3,164 |
Retained earnings to average equity (ytd only) | 1.9687% | 3,723 |
Net charge-offs to loans | 0.5556% | 3,558 |
Credit loss provision to net charge-offs | 109.3103% | 5,049 |
Earnings coverage of net charge-offs (x) | 4.7724% | 2,826 |
Efficiency ratio | 63.8217% | 5,811 |
Assets per employee ($millions) | 3.7114% | 4,493 |
Cash dividends to net income (ytd only)* | 67.8644% | 1,657 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0842% | 5,977 |
Loan loss allowance to noncurrent loans | 59.8818% | 4,395 |
Noncurrent assets plus other real estate owned to assets | 1.1215% | 4,847 |
Noncurrent loans to loans | 1.8106% | 3,914 |
Net loans and leases to total assets | 57.1020% | 5,803 |
Net loans and leases to deposits | 67.2044% | 5,920 |
Net loans and leases to core deposits | 82.2494% | 5,891 |
Total domestic deposits to total assets | 84.9676% | 3,561 |
Equity capital to assets | 13.3917% | 1,365 |
Core capital (leverage) ratio | 13.3334% | 1,145 |
Tier 1 risk-based capital ratio | 20.4840% | 1,374 |
Total risk-based capital ratio | 21.4601% | 1,386 |
Memoranda: | ||
Average total assets | $174,072,400 | 3,530 |
Average earning assets | $156,957,000 | 3,579 |
Average equity | $24,076,400 | 2,717 |
Average total loans | $104,387,200 | 3,825 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6160% | 3,769 |
Cost of funding earning assets | 1.3693% | 6,337 |
Net interest margin | 4.2467% | 1,882 |
Noninterest income to average assets | 0.6518% | 3,337 |
Noninterest expense to average assets | 2.7813% | 4,967 |
Loan and lease loss provision to assets | 0.3382% | 4,305 |
Net operating income to assets | 0.9523% | 2,226 |
Return on assets (ROA) | 0.9507% | 2,291 |
Pretax return on assets | 1.3722% | 1,765 |
Return on Equity (ROE) | 6.8181% | 3,155 |
Retained earnings to average equity (ytd only) | 6.8181% | 1,583 |
Net charge-offs to loans | 0.5727% | 2,960 |
Credit loss provision to net charge-offs | 97.5556% | 5,234 |
Earnings coverage of net charge-offs (x) | 4.9400% | 2,962 |
Efficiency ratio | 61.8893% | 6,138 |
Assets per employee ($millions) | 3.5039% | 4,916 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0150% | 6,188 |
Loan loss allowance to noncurrent loans | 65.5840% | 4,042 |
Noncurrent assets plus other real estate owned to assets | 0.9519% | 5,156 |
Noncurrent loans to loans | 1.5477% | 4,320 |
Net loans and leases to total assets | 60.8820% | 5,445 |
Net loans and leases to deposits | 73.0845% | 5,497 |
Net loans and leases to core deposits | 90.8635% | 5,349 |
Total domestic deposits to total assets | 83.3036% | 4,065 |
Equity capital to assets | 14.7432% | 1,079 |
Core capital (leverage) ratio | 13.7574% | 1,154 |
Tier 1 risk-based capital ratio | 22.3011% | 1,187 |
Total risk-based capital ratio | 23.2673% | 1,204 |
Memoranda: | ||
Average total assets | $173,053,500 | 3,576 |
Average earning assets | $156,572,750 | 3,608 |
Average equity | $24,131,250 | 2,730 |
Average total loans | $104,773,750 | 3,859 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6091% | 4,026 |
Cost of funding earning assets | 1.4399% | 6,352 |
Net interest margin | 4.1692% | 2,098 |
Noninterest income to average assets | 0.5805% | 3,836 |
Noninterest expense to average assets | 2.7605% | 5,129 |
Loan and lease loss provision to assets | 0.2118% | 4,927 |
Net operating income to assets | 0.9389% | 2,316 |
Return on assets (ROA) | 0.9389% | 2,409 |
Pretax return on assets | 1.3843% | 1,771 |
Return on Equity (ROE) | 6.8591% | 3,262 |
Retained earnings to average equity (ytd only) | 6.8591% | 1,637 |
Net charge-offs to loans | 0.3669% | 3,352 |
Credit loss provision to net charge-offs | 95.8549% | 4,742 |
Earnings coverage of net charge-offs (x) | 7.2228% | 2,473 |
Efficiency ratio | 63.3640% | 6,031 |
Assets per employee ($millions) | 3.7454% | 4,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0042% | 6,210 |
Loan loss allowance to noncurrent loans | 119.9317% | 2,462 |
Noncurrent assets plus other real estate owned to assets | 0.4884% | 6,213 |
Noncurrent loans to loans | 0.8373% | 5,547 |
Net loans and leases to total assets | 57.7397% | 6,000 |
Net loans and leases to deposits | 68.6151% | 6,126 |
Net loans and leases to core deposits | 83.5433% | 6,119 |
Total domestic deposits to total assets | 84.1502% | 3,677 |
Equity capital to assets | 13.4113% | 1,525 |
Core capital (leverage) ratio | 13.7358% | 1,204 |
Tier 1 risk-based capital ratio | 21.5498% | 1,324 |
Total risk-based capital ratio | 22.5024% | 1,323 |
Memoranda: | ||
Average total assets | $174,676,000 | 3,561 |
Average earning assets | $158,208,330 | 3,593 |
Average equity | $23,909,670 | 2,763 |
Average total loans | $105,216,670 | 3,887 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8269% | 3,162 |
Cost of funding earning assets | 1.5601% | 6,197 |
Net interest margin | 4.2668% | 1,683 |
Noninterest income to average assets | 0.5926% | 3,603 |
Noninterest expense to average assets | 2.5772% | 5,542 |
Loan and lease loss provision to assets | 0.1627% | 4,855 |
Net operating income to assets | 1.1186% | 1,899 |
Return on assets (ROA) | 1.1201% | 2,017 |
Pretax return on assets | 1.6686% | 1,251 |
Return on Equity (ROE) | 8.0978% | 3,101 |
Retained earnings to average equity (ytd only) | 8.0978% | 1,775 |
Net charge-offs to loans | 0.0380% | 4,977 |
Credit loss provision to net charge-offs | 700.0000% | 846 |
Earnings coverage of net charge-offs (x) | 78.7000% | 528 |
Efficiency ratio | 58.4916% | 6,627 |
Assets per employee ($millions) | 3.6031% | 4,560 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0722% | 5,672 |
Loan loss allowance to noncurrent loans | 131.2646% | 2,412 |
Noncurrent assets plus other real estate owned to assets | 0.4938% | 5,988 |
Noncurrent loans to loans | 0.8168% | 5,404 |
Net loans and leases to total assets | 59.8026% | 5,691 |
Net loans and leases to deposits | 71.4292% | 5,814 |
Net loans and leases to core deposits | 88.0261% | 5,736 |
Total domestic deposits to total assets | 83.7229% | 3,832 |
Equity capital to assets | 13.9018% | 1,393 |
Core capital (leverage) ratio | 13.4792% | 1,326 |
Tier 1 risk-based capital ratio | 21.3862% | 1,392 |
Total risk-based capital ratio | 22.4048% | 1,393 |
Memoranda: | ||
Average total assets | $172,123,500 | 3,619 |
Average earning assets | $153,837,500 | 3,682 |
Average equity | $23,809,000 | 2,793 |
Average total loans | $105,396,000 | 3,896 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4111% | 3,356 |
Cost of funding earning assets | 1.9205% | 6,672 |
Net interest margin | 4.4907% | 1,450 |
Noninterest income to average assets | 0.6394% | 3,558 |
Noninterest expense to average assets | 2.8463% | 4,619 |
Loan and lease loss provision to assets | 0.1712% | 5,193 |
Net operating income to assets | 1.0598% | 2,307 |
Return on assets (ROA) | 1.0613% | 2,208 |
Pretax return on assets | 1.5731% | 1,467 |
Return on Equity (ROE) | 7.8364% | 3,137 |
Retained earnings to average equity (ytd only) | 1.7499% | 4,159 |
Net charge-offs to loans | 0.2779% | 3,544 |
Credit loss provision to net charge-offs | 103.8194% | 5,149 |
Earnings coverage of net charge-offs (x) | 10.5660% | 2,495 |
Efficiency ratio | 62.0337% | 5,947 |
Assets per employee ($millions) | 3.5687% | 4,502 |
Cash dividends to net income (ytd only)* | 77.6699% | 1,815 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9987% | 6,071 |
Loan loss allowance to noncurrent loans | 245.0346% | 1,613 |
Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,540 |
Noncurrent loans to loans | 0.4076% | 6,121 |
Net loans and leases to total assets | 61.4029% | 5,711 |
Net loans and leases to deposits | 72.8327% | 5,965 |
Net loans and leases to core deposits | 89.9853% | 5,799 |
Total domestic deposits to total assets | 84.3069% | 3,173 |
Equity capital to assets | 13.7626% | 1,511 |
Core capital (leverage) ratio | 13.3697% | 1,426 |
Tier 1 risk-based capital ratio | 20.2130% | 1,582 |
Total risk-based capital ratio | 21.1420% | 1,598 |
Memoranda: | ||
Average total assets | $174,685,800 | 3,481 |
Average earning assets | $153,608,000 | 3,590 |
Average equity | $23,658,800 | 2,770 |
Average total loans | $103,643,000 | 3,859 |