Home > Blackhawk Bank > Performance and Condition Ratios
Blackhawk Bank, Performance and Condition Ratios
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 | 1.3403% | 4,603 |
Cost of funding earning assets | 0.3086% | 4,353 |
Net interest margin | 1.0317% | 4,557 |
Noninterest income to average assets | 0.1800% | 3,904 |
Noninterest expense to average assets | 0.5187% | 4,559 |
Loan and lease loss provision to assets | 0.5400% | 142 |
Net operating income to assets | 0.0284% | 4,358 |
Return on assets (ROA) | 0.2937% | 4,126 |
Pretax return on assets | 0.4050% | 4,054 |
Return on Equity (ROE) | 3.5600% | 4,037 |
Retained earnings to average equity (ytd only) | 3.5638% | 3,367 |
Net charge-offs to loans | -0.0033% | 3,658 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 38.3859% | 4,398 |
Assets per employee ($millions) | 6.4952% | 2,332 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2517% | 2,098 |
Loan loss allowance to noncurrent loans | 224.4428% | 2,366 |
Noncurrent assets plus other real estate owned to assets | 0.2800% | 1,885 |
Noncurrent loans to loans | 0.5577% | 1,432 |
Net loans and leases to total assets | 49.5700% | 3,648 |
Net loans and leases to deposits | 55.6651% | 3,728 |
Net loans and leases to core deposits | 56.6190% | 3,829 |
Total domestic deposits to total assets | 89.0600% | 1,223 |
Equity capital to assets | 10.5059% | 1,553 |
Core capital (leverage) ratio | 5.9714% | 4,571 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 9.3243% | 2,908 |
Memoranda: | ||
Average total assets | $1,345,671,500 | 777 |
Average earning assets | $1,238,203,750 | 776 |
Average equity | $110,889,000 | 876 |
Average total loans | $773,802,500 | 884 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7809% | 1,666 |
Cost of funding earning assets | 0.8475% | 2,547 |
Net interest margin | 3.9334% | 1,399 |
Noninterest income to average assets | 0.9900% | 585 |
Noninterest expense to average assets | 3.1816% | 826 |
Loan and lease loss provision to assets | 0.1300% | 852 |
Net operating income to assets | 0.9944% | 2,549 |
Return on assets (ROA) | 0.9942% | 2,518 |
Pretax return on assets | 1.3422% | 2,048 |
Return on Equity (ROE) | 13.5500% | 1,869 |
Retained earnings to average equity (ytd only) | 9.3708% | 1,845 |
Net charge-offs to loans | 0.0342% | 1,037 |
Credit loss provision to net charge-offs | 619.4030% | 493 |
Earnings coverage of net charge-offs (x) | 71.5522% | 943 |
Efficiency ratio | 67.8750% | 1,987 |
Assets per employee ($millions) | 5.4161% | 3,300 |
Cash dividends to net income (ytd only)* | 30.8356% | 1,700 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4631% | 1,386 |
Loan loss allowance to noncurrent loans | 415.9956% | 1,825 |
Noncurrent assets plus other real estate owned to assets | 0.2130% | 2,072 |
Noncurrent loans to loans | 0.3517% | 1,885 |
Net loans and leases to total assets | 59.6700% | 2,697 |
Net loans and leases to deposits | 66.9321% | 2,855 |
Net loans and leases to core deposits | 68.3408% | 3,068 |
Total domestic deposits to total assets | 89.1500% | 1,492 |
Equity capital to assets | 7.5582% | 3,530 |
Core capital (leverage) ratio | 8.6644% | 4,019 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5400% | 2,167 |
Memoranda: | ||
Average total assets | $1,304,767,000 | 808 |
Average earning assets | $1,215,831,500 | 791 |
Average equity | $95,744,500 | 982 |
Average total loans | $783,129,500 | 874 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8610% | 2,093 |
Cost of funding earning assets | 0.2591% | 3,247 |
Net interest margin | 3.6019% | 1,640 |
Noninterest income to average assets | 1.1400% | 514 |
Noninterest expense to average assets | 3.1587% | 767 |
Loan and lease loss provision to assets | -0.0700% | 4,460 |
Net operating income to assets | 1.0567% | 2,348 |
Return on assets (ROA) | 1.0448% | 2,340 |
Pretax return on assets | 1.4093% | 1,739 |
Return on Equity (ROE) | 13.7000% | 1,603 |
Retained earnings to average equity (ytd only) | 11.7372% | 727 |
Net charge-offs to loans | 0.1937% | 422 |
Credit loss provision to net charge-offs | -64.9795% | 4,568 |
Earnings coverage of net charge-offs (x) | 12.3502% | 2,114 |
Efficiency ratio | 69.4411% | 1,761 |
Assets per employee ($millions) | 5.3243% | 3,393 |
Cash dividends to net income (ytd only)* | 14.3451% | 3,101 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1138% | 2,830 |
Loan loss allowance to noncurrent loans | 287.0224% | 2,241 |
Noncurrent assets plus other real estate owned to assets | 0.2322% | 1,983 |
Noncurrent loans to loans | 0.3881% | 1,756 |
Net loans and leases to total assets | 58.8300% | 2,746 |
Net loans and leases to deposits | 64.5894% | 2,989 |
Net loans and leases to core deposits | 65.5079% | 3,167 |
Total domestic deposits to total assets | 91.0800% | 924 |
Equity capital to assets | 7.1213% | 3,604 |
Core capital (leverage) ratio | 8.5609% | 4,083 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8949% | 2,418 |
Memoranda: | ||
Average total assets | $1,334,376,400 | 768 |
Average earning assets | $1,248,534,800 | 760 |
Average equity | $101,744,600 | 933 |
Average total loans | $754,895,600 | 856 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6344% | 2,247 |
Cost of funding earning assets | 0.1687% | 3,640 |
Net interest margin | 3.4657% | 1,764 |
Noninterest income to average assets | 1.1700% | 523 |
Noninterest expense to average assets | 3.1803% | 704 |
Loan and lease loss provision to assets | -0.1400% | 4,624 |
Net operating income to assets | 1.0234% | 2,391 |
Return on assets (ROA) | 1.0066% | 2,424 |
Pretax return on assets | 1.3556% | 1,863 |
Return on Equity (ROE) | 12.9900% | 1,699 |
Retained earnings to average equity (ytd only) | 11.7066% | 864 |
Net charge-offs to loans | 0.1467% | 449 |
Credit loss provision to net charge-offs | -170.1094% | 4,656 |
Earnings coverage of net charge-offs (x) | 15.1021% | 1,853 |
Efficiency ratio | 71.4060% | 1,600 |
Assets per employee ($millions) | 5.5632% | 3,158 |
Cash dividends to net income (ytd only)* | 9.8902% | 2,836 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1425% | 2,826 |
Loan loss allowance to noncurrent loans | 273.5710% | 2,285 |
Noncurrent assets plus other real estate owned to assets | 0.2368% | 2,045 |
Noncurrent loans to loans | 0.4176% | 1,766 |
Net loans and leases to total assets | 56.0600% | 2,895 |
Net loans and leases to deposits | 60.6550% | 3,140 |
Net loans and leases to core deposits | 61.5334% | 3,266 |
Total domestic deposits to total assets | 92.4200% | 737 |
Equity capital to assets | 6.5689% | 3,708 |
Core capital (leverage) ratio | 8.3796% | 4,160 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8375% | 2,538 |
Memoranda: | ||
Average total assets | $1,339,197,250 | 772 |
Average earning assets | $1,254,507,750 | 761 |
Average equity | $103,767,750 | 933 |
Average total loans | $748,026,500 | 858 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4380% | 2,334 |
Cost of funding earning assets | 0.1162% | 4,011 |
Net interest margin | 3.3218% | 1,846 |
Noninterest income to average assets | 1.2025% | 475 |
Noninterest expense to average assets | 3.2194% | 609 |
Loan and lease loss provision to assets | -0.2260% | 4,694 |
Net operating income to assets | 0.9878% | 2,203 |
Return on assets (ROA) | 0.9725% | 2,225 |
Pretax return on assets | 1.3084% | 1,723 |
Return on Equity (ROE) | 11.9240% | 1,687 |
Retained earnings to average equity (ytd only) | 11.9240% | 614 |
Net charge-offs to loans | 0.0352% | 1,032 |
Credit loss provision to net charge-offs | -1,153.8462% | 3,579 |
Earnings coverage of net charge-offs (x) | 56.2615% | 1,105 |
Efficiency ratio | 73.8914% | 1,522 |
Assets per employee ($millions) | 5.2219% | 3,494 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2244% | 2,567 |
Loan loss allowance to noncurrent loans | 230.1818% | 2,493 |
Noncurrent assets plus other real estate owned to assets | 0.3086% | 1,776 |
Noncurrent loans to loans | 0.5319% | 1,557 |
Net loans and leases to total assets | 57.2996% | 2,599 |
Net loans and leases to deposits | 62.3952% | 2,858 |
Net loans and leases to core deposits | 63.2897% | 3,020 |
Total domestic deposits to total assets | 91.8334% | 915 |
Equity capital to assets | 7.4310% | 3,513 |
Core capital (leverage) ratio | 8.2072% | 4,176 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6877% | 2,616 |
Memoranda: | ||
Average total assets | $1,327,559,000 | 773 |
Average earning assets | $1,246,419,000 | 770 |
Average equity | $108,269,000 | 913 |
Average total loans | $737,641,667 | 854 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2961% | 2,398 |
Cost of funding earning assets | 0.1035% | 4,091 |
Net interest margin | 3.1927% | 1,905 |
Noninterest income to average assets | 1.2224% | 477 |
Noninterest expense to average assets | 3.0653% | 728 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.8707% | 2,413 |
Return on assets (ROA) | 0.8554% | 2,459 |
Pretax return on assets | 1.1423% | 2,010 |
Return on Equity (ROE) | 10.0377% | 1,959 |
Retained earnings to average equity (ytd only) | 10.0377% | 1,010 |
Net charge-offs to loans | 0.0724% | 633 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | 29.5538% | 1,138 |
Efficiency ratio | 71.8670% | 1,991 |
Assets per employee ($millions) | 5.1678% | 3,607 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5114% | 1,519 |
Loan loss allowance to noncurrent loans | 220.6945% | 2,485 |
Noncurrent assets plus other real estate owned to assets | 0.3838% | 1,577 |
Noncurrent loans to loans | 0.6849% | 1,384 |
Net loans and leases to total assets | 54.3685% | 2,709 |
Net loans and leases to deposits | 59.7062% | 2,929 |
Net loans and leases to core deposits | 60.4346% | 3,103 |
Total domestic deposits to total assets | 91.0600% | 1,004 |
Equity capital to assets | 8.0528% | 3,528 |
Core capital (leverage) ratio | 8.2944% | 4,077 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1119% | 2,573 |
Memoranda: | ||
Average total assets | $1,322,941,000 | 784 |
Average earning assets | $1,244,974,500 | 781 |
Average equity | $112,735,000 | 908 |
Average total loans | $718,726,000 | 860 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5357% | 2,553 |
Cost of funding earning assets | 0.1352% | 4,112 |
Net interest margin | 3.4005% | 2,033 |
Noninterest income to average assets | 1.5273% | 485 |
Noninterest expense to average assets | 3.1806% | 747 |
Loan and lease loss provision to assets | 0.0397% | 2,247 |
Net operating income to assets | 1.1135% | 2,232 |
Return on assets (ROA) | 1.1117% | 2,300 |
Pretax return on assets | 1.5004% | 1,724 |
Return on Equity (ROE) | 11.6657% | 1,925 |
Retained earnings to average equity (ytd only) | 4.7844% | 2,874 |
Net charge-offs to loans | 0.0202% | 1,872 |
Credit loss provision to net charge-offs | 359.7122% | 970 |
Earnings coverage of net charge-offs (x) | 139.5971% | 707 |
Efficiency ratio | 66.6869% | 2,164 |
Assets per employee ($millions) | 5.2703% | 3,499 |
Cash dividends to net income (ytd only)* | 58.9876% | 1,128 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5669% | 1,338 |
Loan loss allowance to noncurrent loans | 204.8803% | 2,551 |
Noncurrent assets plus other real estate owned to assets | 0.4107% | 1,592 |
Noncurrent loans to loans | 0.7648% | 1,327 |
Net loans and leases to total assets | 52.6221% | 2,998 |
Net loans and leases to deposits | 58.3547% | 3,222 |
Net loans and leases to core deposits | 59.0824% | 3,385 |
Total domestic deposits to total assets | 90.1763% | 875 |
Equity capital to assets | 8.9866% | 3,631 |
Core capital (leverage) ratio | 8.3064% | 4,118 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4838% | 2,456 |
Memoranda: | ||
Average total assets | $1,258,072,200 | 792 |
Average earning assets | $1,182,293,600 | 785 |
Average equity | $119,889,800 | 863 |
Average total loans | $689,623,200 | 889 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6156% | 2,509 |
Cost of funding earning assets | 0.1465% | 4,143 |
Net interest margin | 3.4691% | 1,958 |
Noninterest income to average assets | 1.5688% | 504 |
Noninterest expense to average assets | 3.1773% | 740 |
Loan and lease loss provision to assets | 0.0538% | 1,908 |
Net operating income to assets | 1.1803% | 2,229 |
Return on assets (ROA) | 1.1793% | 2,291 |
Pretax return on assets | 1.5920% | 1,728 |
Return on Equity (ROE) | 12.1895% | 1,983 |
Retained earnings to average equity (ytd only) | 5.2466% | 3,123 |
Net charge-offs to loans | 0.0078% | 2,025 |
Credit loss provision to net charge-offs | 1,250.0000% | 457 |
Earnings coverage of net charge-offs (x) | 383.1250% | 363 |
Efficiency ratio | 65.2045% | 2,218 |
Assets per employee ($millions) | 5.1007% | 3,605 |
Cash dividends to net income (ytd only)* | 56.9580% | 935 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6764% | 1,156 |
Loan loss allowance to noncurrent loans | 143.4194% | 2,970 |
Noncurrent assets plus other real estate owned to assets | 0.5993% | 1,273 |
Noncurrent loans to loans | 1.1688% | 952 |
Net loans and leases to total assets | 50.4162% | 3,359 |
Net loans and leases to deposits | 56.2648% | 3,557 |
Net loans and leases to core deposits | 57.0302% | 3,699 |
Total domestic deposits to total assets | 89.6051% | 963 |
Equity capital to assets | 9.2415% | 3,611 |
Core capital (leverage) ratio | 8.0864% | 4,399 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4400% | 2,189 |
Memoranda: | ||
Average total assets | $1,240,564,000 | 813 |
Average earning assets | $1,164,199,250 | 803 |
Average equity | $120,024,250 | 875 |
Average total loans | $684,528,500 | 912 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6889% | 2,370 |
Cost of funding earning assets | 0.1501% | 4,203 |
Net interest margin | 3.5388% | 1,749 |
Noninterest income to average assets | 1.6171% | 473 |
Noninterest expense to average assets | 3.1616% | 766 |
Loan and lease loss provision to assets | 0.0820% | 1,486 |
Net operating income to assets | 1.2512% | 2,018 |
Return on assets (ROA) | 1.2473% | 2,093 |
Pretax return on assets | 1.6883% | 1,510 |
Return on Equity (ROE) | 12.6886% | 1,827 |
Retained earnings to average equity (ytd only) | 6.4286% | 2,648 |
Net charge-offs to loans | 0.0102% | 1,770 |
Credit loss provision to net charge-offs | 1,428.5714% | 374 |
Earnings coverage of net charge-offs (x) | 309.1143% | 364 |
Efficiency ratio | 63.3783% | 2,511 |
Assets per employee ($millions) | 5.3310% | 3,310 |
Cash dividends to net income (ytd only)* | 49.3356% | 1,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6563% | 1,158 |
Loan loss allowance to noncurrent loans | 136.4730% | 2,986 |
Noncurrent assets plus other real estate owned to assets | 0.6199% | 1,339 |
Noncurrent loans to loans | 1.2136% | 992 |
Net loans and leases to total assets | 50.2283% | 3,540 |
Net loans and leases to deposits | 56.0012% | 3,709 |
Net loans and leases to core deposits | 56.5753% | 3,856 |
Total domestic deposits to total assets | 89.6915% | 929 |
Equity capital to assets | 9.1805% | 3,624 |
Core capital (leverage) ratio | 8.2497% | 4,215 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8447% | 2,029 |
Memoranda: | ||
Average total assets | $1,218,826,000 | 823 |
Average earning assets | $1,143,389,667 | 811 |
Average equity | $119,808,000 | 871 |
Average total loans | $689,522,333 | 913 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7753% | 2,171 |
Cost of funding earning assets | 0.1603% | 4,236 |
Net interest margin | 3.6150% | 1,543 |
Noninterest income to average assets | 1.7597% | 465 |
Noninterest expense to average assets | 3.3528% | 556 |
Loan and lease loss provision to assets | 0.1717% | 722 |
Net operating income to assets | 1.1990% | 2,153 |
Return on assets (ROA) | 1.1895% | 2,260 |
Pretax return on assets | 1.6082% | 1,704 |
Return on Equity (ROE) | 11.6618% | 2,142 |
Retained earnings to average equity (ytd only) | 4.9267% | 3,240 |
Net charge-offs to loans | 0.0851% | 768 |
Credit loss provision to net charge-offs | 337.8378% | 709 |
Earnings coverage of net charge-offs (x) | 35.2500% | 1,027 |
Efficiency ratio | 64.4812% | 2,411 |
Assets per employee ($millions) | 4.7512% | 3,885 |
Cash dividends to net income (ytd only)* | 57.7534% | 945 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5623% | 1,388 |
Loan loss allowance to noncurrent loans | 174.7524% | 2,573 |
Noncurrent assets plus other real estate owned to assets | 0.5313% | 1,790 |
Noncurrent loans to loans | 0.8940% | 1,513 |
Net loans and leases to total assets | 58.4984% | 2,744 |
Net loans and leases to deposits | 65.5296% | 2,971 |
Net loans and leases to core deposits | 66.2707% | 3,219 |
Total domestic deposits to total assets | 89.2702% | 1,189 |
Equity capital to assets | 9.8379% | 2,855 |
Core capital (leverage) ratio | 8.7229% | 3,891 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9151% | 1,924 |
Memoranda: | ||
Average total assets | $1,164,531,500 | 841 |
Average earning assets | $1,090,465,000 | 834 |
Average equity | $118,780,500 | 872 |
Average total loans | $695,300,000 | 907 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2215% | 2,077 |
Cost of funding earning assets | 0.3038% | 4,121 |
Net interest margin | 3.9177% | 1,168 |
Noninterest income to average assets | 1.8228% | 384 |
Noninterest expense to average assets | 3.4270% | 765 |
Loan and lease loss provision to assets | 0.7186% | 217 |
Net operating income to assets | 0.9981% | 2,297 |
Return on assets (ROA) | 1.0433% | 2,273 |
Pretax return on assets | 1.3717% | 1,748 |
Return on Equity (ROE) | 9.5702% | 2,168 |
Retained earnings to average equity (ytd only) | 4.3662% | 2,612 |
Net charge-offs to loans | 0.7138% | 209 |
Credit loss provision to net charge-offs | 159.0624% | 2,372 |
Earnings coverage of net charge-offs (x) | 4.5004% | 2,972 |
Efficiency ratio | 62.0073% | 3,131 |
Assets per employee ($millions) | 4.5271% | 3,890 |
Cash dividends to net income (ytd only)* | 54.3774% | 1,617 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5851% | 1,335 |
Loan loss allowance to noncurrent loans | 153.4864% | 2,776 |
Noncurrent assets plus other real estate owned to assets | 0.6197% | 1,700 |
Noncurrent loans to loans | 1.0327% | 1,380 |
Net loans and leases to total assets | 59.0511% | 2,974 |
Net loans and leases to deposits | 67.6334% | 3,117 |
Net loans and leases to core deposits | 68.5223% | 3,372 |
Total domestic deposits to total assets | 87.3106% | 1,792 |
Equity capital to assets | 10.5827% | 2,602 |
Core capital (leverage) ratio | 9.2440% | 3,398 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8777% | 1,895 |
Memoranda: | ||
Average total assets | $1,057,629,600 | 837 |
Average earning assets | $981,958,200 | 833 |
Average equity | $115,295,400 | 856 |
Average total loans | $669,373,600 | 901 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3445% | 1,981 |
Cost of funding earning assets | 0.3438% | 4,092 |
Net interest margin | 4.0007% | 1,113 |
Noninterest income to average assets | 1.7540% | 384 |
Noninterest expense to average assets | 3.4447% | 760 |
Loan and lease loss provision to assets | 0.7551% | 260 |
Net operating income to assets | 0.9645% | 2,470 |
Return on assets (ROA) | 0.9831% | 2,534 |
Pretax return on assets | 1.2843% | 2,114 |
Return on Equity (ROE) | 8.9473% | 2,418 |
Retained earnings to average equity (ytd only) | 3.6924% | 3,198 |
Net charge-offs to loans | 0.7765% | 174 |
Credit loss provision to net charge-offs | 151.5191% | 2,315 |
Earnings coverage of net charge-offs (x) | 4.0448% | 2,860 |
Efficiency ratio | 62.3085% | 3,020 |
Assets per employee ($millions) | 4.5607% | 3,771 |
Cash dividends to net income (ytd only)* | 58.7314% | 1,167 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4389% | 1,580 |
Loan loss allowance to noncurrent loans | 112.9245% | 3,107 |
Noncurrent assets plus other real estate owned to assets | 0.7849% | 1,474 |
Noncurrent loans to loans | 1.2742% | 1,172 |
Net loans and leases to total assets | 60.7045% | 3,138 |
Net loans and leases to deposits | 70.5412% | 3,260 |
Net loans and leases to core deposits | 71.4481% | 3,523 |
Total domestic deposits to total assets | 86.0553% | 2,042 |
Equity capital to assets | 10.5408% | 2,756 |
Core capital (leverage) ratio | 9.0881% | 3,669 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0435% | 1,816 |
Memoranda: | ||
Average total assets | $1,039,095,250 | 836 |
Average earning assets | $962,670,250 | 832 |
Average equity | $114,176,250 | 856 |
Average total loans | $666,945,750 | 897 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4217% | 2,153 |
Cost of funding earning assets | 0.3997% | 4,038 |
Net interest margin | 4.0220% | 1,269 |
Noninterest income to average assets | 1.5704% | 418 |
Noninterest expense to average assets | 3.4593% | 783 |
Loan and lease loss provision to assets | 0.6466% | 454 |
Net operating income to assets | 0.9113% | 2,648 |
Return on assets (ROA) | 0.9374% | 2,679 |
Pretax return on assets | 1.2184% | 2,303 |
Return on Equity (ROE) | 8.4049% | 2,599 |
Retained earnings to average equity (ytd only) | 3.0865% | 3,346 |
Net charge-offs to loans | 0.3369% | 481 |
Credit loss provision to net charge-offs | 294.5946% | 1,635 |
Earnings coverage of net charge-offs (x) | 8.3468% | 2,294 |
Efficiency ratio | 64.5441% | 2,740 |
Assets per employee ($millions) | 4.4642% | 3,832 |
Cash dividends to net income (ytd only)* | 63.2778% | 1,142 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4269% | 1,495 |
Loan loss allowance to noncurrent loans | 119.8766% | 2,962 |
Noncurrent assets plus other real estate owned to assets | 0.8367% | 1,483 |
Noncurrent loans to loans | 1.1903% | 1,316 |
Net loans and leases to total assets | 63.5477% | 2,933 |
Net loans and leases to deposits | 73.9413% | 3,080 |
Net loans and leases to core deposits | 75.3003% | 3,344 |
Total domestic deposits to total assets | 85.9435% | 2,034 |
Equity capital to assets | 10.5681% | 2,689 |
Core capital (leverage) ratio | 9.2088% | 3,676 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5348% | 1,987 |
Memoranda: | ||
Average total assets | $1,011,484,667 | 839 |
Average earning assets | $935,756,333 | 844 |
Average equity | $112,815,000 | 861 |
Average total loans | $658,926,667 | 899 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4881% | 2,343 |
Cost of funding earning assets | 0.5424% | 3,729 |
Net interest margin | 3.9457% | 1,542 |
Noninterest income to average assets | 1.3155% | 517 |
Noninterest expense to average assets | 3.5227% | 903 |
Loan and lease loss provision to assets | 0.3161% | 980 |
Net operating income to assets | 0.8648% | 2,635 |
Return on assets (ROA) | 0.8743% | 2,708 |
Pretax return on assets | 1.1255% | 2,438 |
Return on Equity (ROE) | 7.6120% | 2,676 |
Retained earnings to average equity (ytd only) | 2.2160% | 3,362 |
Net charge-offs to loans | 0.3449% | 413 |
Credit loss provision to net charge-offs | 139.8537% | 1,624 |
Earnings coverage of net charge-offs (x) | 6.3254% | 1,994 |
Efficiency ratio | 70.1735% | 2,325 |
Assets per employee ($millions) | 3.8077% | 4,164 |
Cash dividends to net income (ytd only)* | 70.8885% | 1,176 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2851% | 2,208 |
Loan loss allowance to noncurrent loans | 77.5223% | 3,608 |
Noncurrent assets plus other real estate owned to assets | 1.0925% | 1,195 |
Noncurrent loans to loans | 1.6578% | 929 |
Net loans and leases to total assets | 64.3017% | 3,032 |
Net loans and leases to deposits | 73.9822% | 3,278 |
Net loans and leases to core deposits | 76.1192% | 3,485 |
Total domestic deposits to total assets | 86.9150% | 1,594 |
Equity capital to assets | 11.4282% | 2,503 |
Core capital (leverage) ratio | 9.9827% | 3,477 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6375% | 2,427 |
Memoranda: | ||
Average total assets | $968,127,000 | 848 |
Average earning assets | $892,322,500 | 851 |
Average equity | $111,193,000 | 863 |
Average total loans | $634,398,500 | 898 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4387% | 3,142 |
Cost of funding earning assets | 0.7314% | 3,013 |
Net interest margin | 3.7073% | 2,794 |
Noninterest income to average assets | 1.4190% | 471 |
Noninterest expense to average assets | 3.4773% | 996 |
Loan and lease loss provision to assets | 0.2027% | 1,004 |
Net operating income to assets | 0.8815% | 3,279 |
Return on assets (ROA) | 0.9775% | 2,996 |
Pretax return on assets | 1.2809% | 2,569 |
Return on Equity (ROE) | 9.1856% | 2,670 |
Retained earnings to average equity (ytd only) | 3.7360% | 3,115 |
Net charge-offs to loans | 0.2272% | 898 |
Credit loss provision to net charge-offs | 142.8571% | 1,797 |
Earnings coverage of net charge-offs (x) | 9.5999% | 2,646 |
Efficiency ratio | 71.0249% | 2,019 |
Assets per employee ($millions) | 4.1443% | 3,705 |
Cash dividends to net income (ytd only)* | 59.3273% | 1,601 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2528% | 2,160 |
Loan loss allowance to noncurrent loans | 74.6194% | 3,679 |
Noncurrent assets plus other real estate owned to assets | 1.1125% | 1,092 |
Noncurrent loans to loans | 1.6790% | 823 |
Net loans and leases to total assets | 65.0976% | 3,058 |
Net loans and leases to deposits | 75.1209% | 3,248 |
Net loans and leases to core deposits | 77.5370% | 3,475 |
Total domestic deposits to total assets | 86.6570% | 1,780 |
Equity capital to assets | 11.5433% | 2,498 |
Core capital (leverage) ratio | 10.0553% | 3,454 |
Tier 1 risk-based capital ratio | 12.7340% | 3,928 |
Total risk-based capital ratio | 13.8014% | 3,925 |
Memoranda: | ||
Average total assets | $991,543,000 | 790 |
Average earning assets | $914,845,800 | 787 |
Average equity | $105,513,200 | 864 |
Average total loans | $619,164,200 | 891 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3987% | 3,360 |
Cost of funding earning assets | 0.7606% | 2,917 |
Net interest margin | 3.6381% | 3,142 |
Noninterest income to average assets | 1.3528% | 504 |
Noninterest expense to average assets | 3.4609% | 998 |
Loan and lease loss provision to assets | 0.1375% | 1,405 |
Net operating income to assets | 0.8346% | 3,563 |
Return on assets (ROA) | 0.9630% | 3,190 |
Pretax return on assets | 1.2728% | 2,744 |
Return on Equity (ROE) | 9.2382% | 2,785 |
Retained earnings to average equity (ytd only) | 3.7972% | 3,497 |
Net charge-offs to loans | 0.0097% | 3,023 |
Credit loss provision to net charge-offs | 2,288.8889% | 178 |
Earnings coverage of net charge-offs (x) | 207.7503% | 433 |
Efficiency ratio | 72.7141% | 1,737 |
Assets per employee ($millions) | 4.1934% | 3,624 |
Cash dividends to net income (ytd only)* | 58.8970% | 1,329 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2828% | 2,043 |
Loan loss allowance to noncurrent loans | 147.9033% | 2,627 |
Noncurrent assets plus other real estate owned to assets | 0.6113% | 2,168 |
Noncurrent loans to loans | 0.8673% | 1,844 |
Net loans and leases to total assets | 65.8441% | 3,066 |
Net loans and leases to deposits | 75.7418% | 3,320 |
Net loans and leases to core deposits | 78.8242% | 3,482 |
Total domestic deposits to total assets | 86.9323% | 1,552 |
Equity capital to assets | 11.3809% | 2,758 |
Core capital (leverage) ratio | 9.7100% | 3,958 |
Tier 1 risk-based capital ratio | 12.0119% | 4,411 |
Total risk-based capital ratio | 13.0793% | 4,389 |
Memoranda: | ||
Average total assets | $999,058,750 | 784 |
Average earning assets | $921,521,250 | 780 |
Average equity | $104,144,750 | 869 |
Average total loans | $615,495,000 | 896 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7442% | 2,244 |
Cost of funding earning assets | 0.8555% | 2,374 |
Net interest margin | 3.8887% | 2,272 |
Noninterest income to average assets | 1.4684% | 416 |
Noninterest expense to average assets | 3.5298% | 923 |
Loan and lease loss provision to assets | 0.1081% | 1,736 |
Net operating income to assets | 1.0931% | 2,553 |
Return on assets (ROA) | 1.1204% | 2,517 |
Pretax return on assets | 1.4571% | 2,005 |
Return on Equity (ROE) | 11.4695% | 1,801 |
Retained earnings to average equity (ytd only) | 3.4807% | 3,498 |
Net charge-offs to loans | 0.0142% | 2,628 |
Credit loss provision to net charge-offs | 1,125.0000% | 308 |
Earnings coverage of net charge-offs (x) | 159.3500% | 473 |
Efficiency ratio | 69.7542% | 2,263 |
Assets per employee ($millions) | 4.3496% | 3,368 |
Cash dividends to net income (ytd only)* | 69.6528% | 1,118 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3250% | 1,904 |
Loan loss allowance to noncurrent loans | 228.7865% | 1,950 |
Noncurrent assets plus other real estate owned to assets | 0.4207% | 2,831 |
Noncurrent loans to loans | 0.5791% | 2,522 |
Net loans and leases to total assets | 68.0408% | 2,807 |
Net loans and leases to deposits | 77.4100% | 3,202 |
Net loans and leases to core deposits | 80.1661% | 3,405 |
Total domestic deposits to total assets | 87.8966% | 1,147 |
Equity capital to assets | 9.9573% | 4,011 |
Core capital (leverage) ratio | 9.1856% | 4,476 |
Tier 1 risk-based capital ratio | 10.8244% | 4,983 |
Total risk-based capital ratio | 11.9354% | 4,954 |
Memoranda: | ||
Average total assets | $832,901,670 | 938 |
Average earning assets | $769,363,000 | 937 |
Average equity | $81,363,670 | 1,061 |
Average total loans | $562,830,670 | 958 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7596% | 2,033 |
Cost of funding earning assets | 0.8438% | 2,308 |
Net interest margin | 3.9158% | 2,140 |
Noninterest income to average assets | 1.3537% | 468 |
Noninterest expense to average assets | 3.5344% | 919 |
Loan and lease loss provision to assets | 0.1309% | 1,332 |
Net operating income to assets | 1.0066% | 2,816 |
Return on assets (ROA) | 1.0154% | 2,830 |
Pretax return on assets | 1.3145% | 2,392 |
Return on Equity (ROE) | 10.4989% | 2,154 |
Retained earnings to average equity (ytd only) | -2.0296% | 4,746 |
Net charge-offs to loans | 0.0464% | 1,611 |
Credit loss provision to net charge-offs | 421.8750% | 674 |
Earnings coverage of net charge-offs (x) | 46.2344% | 1,073 |
Efficiency ratio | 71.1345% | 2,166 |
Assets per employee ($millions) | 4.3972% | 3,340 |
Cash dividends to net income (ytd only)* | 119.3317% | 469 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3734% | 1,773 |
Loan loss allowance to noncurrent loans | 234.9004% | 1,924 |
Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,979 |
Noncurrent loans to loans | 0.5847% | 2,585 |
Net loans and leases to total assets | 64.8541% | 3,186 |
Net loans and leases to deposits | 72.1084% | 3,596 |
Net loans and leases to core deposits | 75.2665% | 3,712 |
Total domestic deposits to total assets | 89.9398% | 468 |
Equity capital to assets | 9.6400% | 4,139 |
Core capital (leverage) ratio | 8.9205% | 4,704 |
Tier 1 risk-based capital ratio | 11.2889% | 4,848 |
Total risk-based capital ratio | 12.4450% | 4,796 |
Memoranda: | ||
Average total assets | $825,268,500 | 954 |
Average earning assets | $761,829,500 | 945 |
Average equity | $79,818,000 | 1,073 |
Average total loans | $551,821,500 | 981 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5754% | 2,211 |
Cost of funding earning assets | 0.6442% | 2,431 |
Net interest margin | 3.9312% | 2,222 |
Noninterest income to average assets | 1.5324% | 393 |
Noninterest expense to average assets | 3.5991% | 873 |
Loan and lease loss provision to assets | 0.1544% | 1,364 |
Net operating income to assets | 1.0907% | 2,643 |
Return on assets (ROA) | 1.0889% | 2,642 |
Pretax return on assets | 1.3849% | 2,192 |
Return on Equity (ROE) | 10.9161% | 2,119 |
Retained earnings to average equity (ytd only) | 6.4573% | 1,947 |
Net charge-offs to loans | -0.1286% | 5,199 |
Credit loss provision to net charge-offs | -179.6043% | 4,462 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0120% | 2,186 |
Assets per employee ($millions) | 4.2898% | 3,477 |
Cash dividends to net income (ytd only)* | 40.8457% | 2,475 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3241% | 1,930 |
Loan loss allowance to noncurrent loans | 315.2491% | 1,584 |
Noncurrent assets plus other real estate owned to assets | 0.2984% | 3,380 |
Noncurrent loans to loans | 0.4200% | 3,033 |
Net loans and leases to total assets | 67.1015% | 2,984 |
Net loans and leases to deposits | 78.7694% | 3,071 |
Net loans and leases to core deposits | 84.7944% | 3,017 |
Total domestic deposits to total assets | 85.1873% | 2,566 |
Equity capital to assets | 9.7043% | 3,946 |
Core capital (leverage) ratio | 9.3786% | 4,262 |
Tier 1 risk-based capital ratio | 11.3553% | 4,793 |
Total risk-based capital ratio | 12.4801% | 4,770 |
Memoranda: | ||
Average total assets | $764,475,200 | 983 |
Average earning assets | $701,669,200 | 987 |
Average equity | $76,254,600 | 1,073 |
Average total loans | $511,002,200 | 1,028 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5233% | 2,215 |
Cost of funding earning assets | 0.5925% | 2,528 |
Net interest margin | 3.9308% | 2,194 |
Noninterest income to average assets | 1.5569% | 403 |
Noninterest expense to average assets | 3.6041% | 852 |
Loan and lease loss provision to assets | 0.1827% | 997 |
Net operating income to assets | 1.0892% | 2,712 |
Return on assets (ROA) | 1.0878% | 2,729 |
Pretax return on assets | 1.3755% | 2,321 |
Return on Equity (ROE) | 10.8261% | 2,248 |
Retained earnings to average equity (ytd only) | 7.0315% | 2,111 |
Net charge-offs to loans | -0.1807% | 5,282 |
Credit loss provision to net charge-offs | -151.9174% | 4,282 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.7929% | 2,231 |
Assets per employee ($millions) | 4.0928% | 3,742 |
Cash dividends to net income (ytd only)* | 35.0506% | 2,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4148% | 1,643 |
Loan loss allowance to noncurrent loans | 214.4854% | 2,137 |
Noncurrent assets plus other real estate owned to assets | 0.4677% | 2,815 |
Noncurrent loans to loans | 0.6596% | 2,434 |
Net loans and leases to total assets | 65.3016% | 3,277 |
Net loans and leases to deposits | 73.0939% | 3,670 |
Net loans and leases to core deposits | 83.3263% | 3,211 |
Total domestic deposits to total assets | 89.3394% | 723 |
Equity capital to assets | 9.9358% | 3,713 |
Core capital (leverage) ratio | 9.3200% | 4,375 |
Tier 1 risk-based capital ratio | 12.2336% | 4,357 |
Total risk-based capital ratio | 13.4396% | 4,284 |
Memoranda: | ||
Average total assets | $751,826,500 | 999 |
Average earning assets | $689,925,750 | 999 |
Average equity | $75,544,000 | 1,079 |
Average total loans | $500,187,000 | 1,047 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3625% | 2,532 |
Cost of funding earning assets | 0.5328% | 2,744 |
Net interest margin | 3.8297% | 2,457 |
Noninterest income to average assets | 1.4980% | 429 |
Noninterest expense to average assets | 3.5954% | 871 |
Loan and lease loss provision to assets | 0.2359% | 672 |
Net operating income to assets | 0.9507% | 3,231 |
Return on assets (ROA) | 0.9494% | 3,248 |
Pretax return on assets | 1.1843% | 2,998 |
Return on Equity (ROE) | 9.4123% | 2,847 |
Retained earnings to average equity (ytd only) | 5.6910% | 2,728 |
Net charge-offs to loans | -0.0467% | 4,897 |
Credit loss provision to net charge-offs | -758.6207% | 4,454 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.6614% | 2,058 |
Assets per employee ($millions) | 4.3532% | 3,349 |
Cash dividends to net income (ytd only)* | 39.5369% | 2,151 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2959% | 2,185 |
Loan loss allowance to noncurrent loans | 165.4953% | 2,581 |
Noncurrent assets plus other real estate owned to assets | 0.5489% | 2,586 |
Noncurrent loans to loans | 0.7830% | 2,165 |
Net loans and leases to total assets | 63.5249% | 3,450 |
Net loans and leases to deposits | 70.7337% | 3,799 |
Net loans and leases to core deposits | 85.9490% | 2,930 |
Total domestic deposits to total assets | 89.8085% | 629 |
Equity capital to assets | 9.7056% | 3,909 |
Core capital (leverage) ratio | 9.4627% | 4,155 |
Tier 1 risk-based capital ratio | 12.0852% | 4,452 |
Total risk-based capital ratio | 13.1867% | 4,412 |
Memoranda: | ||
Average total assets | $745,951,670 | 1,006 |
Average earning assets | $685,476,000 | 1,010 |
Average equity | $75,241,670 | 1,083 |
Average total loans | $497,024,330 | 1,055 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2382% | 2,750 |
Cost of funding earning assets | 0.4662% | 3,076 |
Net interest margin | 3.7720% | 2,536 |
Noninterest income to average assets | 1.3783% | 488 |
Noninterest expense to average assets | 3.5326% | 942 |
Loan and lease loss provision to assets | 0.2797% | 487 |
Net operating income to assets | 0.8399% | 3,556 |
Return on assets (ROA) | 0.8106% | 3,673 |
Pretax return on assets | 0.9916% | 3,566 |
Return on Equity (ROE) | 7.8776% | 3,432 |
Retained earnings to average equity (ytd only) | 4.1467% | 3,539 |
Net charge-offs to loans | -0.1091% | 5,232 |
Credit loss provision to net charge-offs | -377.7778% | 3,940 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.9941% | 2,042 |
Assets per employee ($millions) | 4.1586% | 3,715 |
Cash dividends to net income (ytd only)* | 47.3613% | 1,582 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2206% | 2,683 |
Loan loss allowance to noncurrent loans | 168.5119% | 2,556 |
Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,644 |
Noncurrent loans to loans | 0.7243% | 2,398 |
Net loans and leases to total assets | 67.2262% | 2,862 |
Net loans and leases to deposits | 75.1010% | 3,308 |
Net loans and leases to core deposits | 89.2716% | 2,515 |
Total domestic deposits to total assets | 89.5144% | 880 |
Equity capital to assets | 10.0859% | 3,517 |
Core capital (leverage) ratio | 9.6757% | 3,875 |
Tier 1 risk-based capital ratio | 12.1282% | 4,478 |
Total risk-based capital ratio | 13.1945% | 4,478 |
Memoranda: | ||
Average total assets | $729,312,500 | 1,033 |
Average earning assets | $669,242,500 | 1,043 |
Average equity | $75,048,000 | 1,094 |
Average total loans | $494,784,500 | 1,067 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0293% | 3,311 |
Cost of funding earning assets | 0.3388% | 3,809 |
Net interest margin | 3.6904% | 2,831 |
Noninterest income to average assets | 1.4842% | 481 |
Noninterest expense to average assets | 3.4235% | 1,165 |
Loan and lease loss provision to assets | 0.2597% | 710 |
Net operating income to assets | 0.8707% | 2,860 |
Return on assets (ROA) | 0.8634% | 2,921 |
Pretax return on assets | 1.1650% | 2,923 |
Return on Equity (ROE) | 8.2484% | 2,670 |
Retained earnings to average equity (ytd only) | 5.1298% | 2,042 |
Net charge-offs to loans | 0.3120% | 816 |
Credit loss provision to net charge-offs | 129.6162% | 2,026 |
Earnings coverage of net charge-offs (x) | 7.1600% | 3,082 |
Efficiency ratio | 70.4695% | 2,475 |
Assets per employee ($millions) | 4.2761% | 3,529 |
Cash dividends to net income (ytd only)* | 37.8088% | 2,959 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1328% | 3,170 |
Loan loss allowance to noncurrent loans | 150.4785% | 2,792 |
Noncurrent assets plus other real estate owned to assets | 0.5745% | 2,631 |
Noncurrent loans to loans | 0.7528% | 2,319 |
Net loans and leases to total assets | 66.8557% | 2,986 |
Net loans and leases to deposits | 77.1003% | 3,218 |
Net loans and leases to core deposits | 87.3222% | 2,786 |
Total domestic deposits to total assets | 86.7127% | 2,141 |
Equity capital to assets | 10.5008% | 3,170 |
Core capital (leverage) ratio | 9.9195% | 3,558 |
Tier 1 risk-based capital ratio | 12.3918% | 4,268 |
Total risk-based capital ratio | 13.3782% | 4,337 |
Memoranda: | ||
Average total assets | $689,243,400 | 1,059 |
Average earning assets | $630,114,600 | 1,073 |
Average equity | $72,147,400 | 1,101 |
Average total loans | $442,597,600 | 1,143 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9861% | 3,399 |
Cost of funding earning assets | 0.3129% | 4,001 |
Net interest margin | 3.6732% | 2,849 |
Noninterest income to average assets | 1.4689% | 498 |
Noninterest expense to average assets | 3.3427% | 1,258 |
Loan and lease loss provision to assets | 0.2112% | 893 |
Net operating income to assets | 0.9490% | 2,784 |
Return on assets (ROA) | 0.9623% | 2,774 |
Pretax return on assets | 1.2904% | 2,539 |
Return on Equity (ROE) | 9.2008% | 2,496 |
Retained earnings to average equity (ytd only) | 6.2099% | 2,103 |
Net charge-offs to loans | 0.0954% | 1,835 |
Credit loss provision to net charge-offs | 349.5146% | 866 |
Earnings coverage of net charge-offs (x) | 24.5598% | 1,763 |
Efficiency ratio | 69.2579% | 2,661 |
Assets per employee ($millions) | 4.2594% | 3,547 |
Cash dividends to net income (ytd only)* | 32.5071% | 2,634 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2569% | 2,604 |
Loan loss allowance to noncurrent loans | 100.2051% | 3,524 |
Noncurrent assets plus other real estate owned to assets | 0.8815% | 1,953 |
Noncurrent loans to loans | 1.2543% | 1,525 |
Net loans and leases to total assets | 65.5500% | 3,170 |
Net loans and leases to deposits | 75.2637% | 3,445 |
Net loans and leases to core deposits | 87.0878% | 2,866 |
Total domestic deposits to total assets | 87.0937% | 1,831 |
Equity capital to assets | 10.7338% | 3,134 |
Core capital (leverage) ratio | 9.9207% | 3,673 |
Tier 1 risk-based capital ratio | 12.6690% | 4,227 |
Total risk-based capital ratio | 13.7463% | 4,236 |
Memoranda: | ||
Average total assets | $681,956,000 | 1,077 |
Average earning assets | $623,347,500 | 1,089 |
Average equity | $71,325,000 | 1,121 |
Average total loans | $431,799,500 | 1,167 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9094% | 3,525 |
Cost of funding earning assets | 0.2884% | 4,205 |
Net interest margin | 3.6209% | 2,948 |
Noninterest income to average assets | 1.4255% | 533 |
Noninterest expense to average assets | 3.3294% | 1,315 |
Loan and lease loss provision to assets | 0.2133% | 835 |
Net operating income to assets | 0.8980% | 2,923 |
Return on assets (ROA) | 0.8951% | 2,994 |
Pretax return on assets | 1.1855% | 2,825 |
Return on Equity (ROE) | 8.6371% | 2,700 |
Retained earnings to average equity (ytd only) | 5.9210% | 2,165 |
Net charge-offs to loans | 0.0952% | 1,667 |
Credit loss provision to net charge-offs | 360.0000% | 848 |
Earnings coverage of net charge-offs (x) | 23.6700% | 1,670 |
Efficiency ratio | 70.3588% | 2,609 |
Assets per employee ($millions) | 4.2806% | 3,469 |
Cash dividends to net income (ytd only)* | 31.4465% | 2,730 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2920% | 2,451 |
Loan loss allowance to noncurrent loans | 98.8378% | 3,587 |
Noncurrent assets plus other real estate owned to assets | 0.8882% | 1,999 |
Noncurrent loans to loans | 1.3072% | 1,475 |
Net loans and leases to total assets | 62.2234% | 3,607 |
Net loans and leases to deposits | 71.8087% | 3,760 |
Net loans and leases to core deposits | 76.8034% | 3,698 |
Total domestic deposits to total assets | 86.6517% | 2,112 |
Equity capital to assets | 10.7866% | 3,044 |
Core capital (leverage) ratio | 9.8823% | 3,674 |
Tier 1 risk-based capital ratio | 13.1903% | 3,889 |
Total risk-based capital ratio | 14.2841% | 3,894 |
Memoranda: | ||
Average total assets | $675,008,670 | 1,086 |
Average earning assets | $616,418,330 | 1,097 |
Average equity | $69,954,330 | 1,144 |
Average total loans | $420,216,670 | 1,192 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8308% | 3,652 |
Cost of funding earning assets | 0.2718% | 4,338 |
Net interest margin | 3.5590% | 3,046 |
Noninterest income to average assets | 1.3289% | 583 |
Noninterest expense to average assets | 3.4525% | 1,111 |
Loan and lease loss provision to assets | 0.2156% | 745 |
Net operating income to assets | 0.6983% | 3,714 |
Return on assets (ROA) | 0.6983% | 3,752 |
Pretax return on assets | 0.9073% | 3,743 |
Return on Equity (ROE) | 6.8829% | 3,454 |
Retained earnings to average equity (ytd only) | 4.2265% | 3,334 |
Net charge-offs to loans | 0.1414% | 1,093 |
Credit loss provision to net charge-offs | 246.5753% | 897 |
Earnings coverage of net charge-offs (x) | 12.8425% | 1,823 |
Efficiency ratio | 75.4581% | 1,988 |
Assets per employee ($millions) | 4.1969% | 3,665 |
Cash dividends to net income (ytd only)* | 38.5935% | 2,052 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2858% | 2,605 |
Loan loss allowance to noncurrent loans | 59.7501% | 4,431 |
Noncurrent assets plus other real estate owned to assets | 1.4116% | 1,178 |
Noncurrent loans to loans | 2.1520% | 798 |
Net loans and leases to total assets | 60.6740% | 3,706 |
Net loans and leases to deposits | 68.3115% | 3,967 |
Net loans and leases to core deposits | 73.0964% | 3,910 |
Total domestic deposits to total assets | 88.8197% | 1,246 |
Equity capital to assets | 10.7118% | 2,950 |
Core capital (leverage) ratio | 10.0143% | 3,475 |
Tier 1 risk-based capital ratio | 13.3535% | 3,856 |
Total risk-based capital ratio | 14.4220% | 3,887 |
Memoranda: | ||
Average total assets | $667,926,500 | 1,099 |
Average earning assets | $609,273,500 | 1,112 |
Average equity | $67,762,500 | 1,178 |
Average total loans | $413,105,000 | 1,213 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8334% | 3,795 |
Cost of funding earning assets | 0.2775% | 4,277 |
Net interest margin | 3.5559% | 3,231 |
Noninterest income to average assets | 1.8909% | 367 |
Noninterest expense to average assets | 3.4090% | 1,337 |
Loan and lease loss provision to assets | 0.2878% | 669 |
Net operating income to assets | 1.0026% | 2,343 |
Return on assets (ROA) | 1.0189% | 2,369 |
Pretax return on assets | 1.4972% | 1,592 |
Return on Equity (ROE) | 10.3404% | 1,832 |
Retained earnings to average equity (ytd only) | 4.4369% | 2,758 |
Net charge-offs to loans | 0.3895% | 686 |
Credit loss provision to net charge-offs | 119.2137% | 2,229 |
Earnings coverage of net charge-offs (x) | 7.2955% | 3,035 |
Efficiency ratio | 65.9363% | 3,596 |
Assets per employee ($millions) | 4.1009% | 3,782 |
Cash dividends to net income (ytd only)* | 57.0913% | 1,919 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2317% | 2,927 |
Loan loss allowance to noncurrent loans | 85.2528% | 3,908 |
Noncurrent assets plus other real estate owned to assets | 1.0303% | 1,838 |
Noncurrent loans to loans | 1.4448% | 1,405 |
Net loans and leases to total assets | 61.4709% | 3,661 |
Net loans and leases to deposits | 70.8915% | 3,819 |
Net loans and leases to core deposits | 76.7960% | 3,681 |
Total domestic deposits to total assets | 86.7113% | 2,283 |
Equity capital to assets | 9.5725% | 4,194 |
Core capital (leverage) ratio | 8.8512% | 4,909 |
Tier 1 risk-based capital ratio | 11.9583% | 4,759 |
Total risk-based capital ratio | 12.9975% | 4,800 |
Memoranda: | ||
Average total assets | $653,278,200 | 1,089 |
Average earning assets | $602,442,600 | 1,082 |
Average equity | $64,369,000 | 1,218 |
Average total loans | $404,929,200 | 1,189 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8222% | 3,862 |
Cost of funding earning assets | 0.2767% | 4,322 |
Net interest margin | 3.5455% | 3,294 |
Noninterest income to average assets | 2.0447% | 342 |
Noninterest expense to average assets | 3.4528% | 1,242 |
Loan and lease loss provision to assets | 0.2880% | 602 |
Net operating income to assets | 1.0773% | 2,092 |
Return on assets (ROA) | 1.0773% | 2,199 |
Pretax return on assets | 1.5815% | 1,432 |
Return on Equity (ROE) | 10.8543% | 1,728 |
Retained earnings to average equity (ytd only) | 3.9361% | 3,503 |
Net charge-offs to loans | 0.2833% | 807 |
Credit loss provision to net charge-offs | 164.1355% | 1,677 |
Earnings coverage of net charge-offs (x) | 10.6554% | 2,554 |
Efficiency ratio | 64.8746% | 3,783 |
Assets per employee ($millions) | 4.1694% | 3,655 |
Cash dividends to net income (ytd only)* | 63.7368% | 1,281 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3141% | 2,611 |
Loan loss allowance to noncurrent loans | 97.3737% | 3,673 |
Noncurrent assets plus other real estate owned to assets | 1.0016% | 2,066 |
Noncurrent loans to loans | 1.3495% | 1,631 |
Net loans and leases to total assets | 60.8646% | 3,761 |
Net loans and leases to deposits | 69.4401% | 4,033 |
Net loans and leases to core deposits | 74.0171% | 4,001 |
Total domestic deposits to total assets | 87.6504% | 1,588 |
Equity capital to assets | 9.9656% | 4,163 |
Core capital (leverage) ratio | 8.7204% | 5,140 |
Tier 1 risk-based capital ratio | 12.1424% | 4,703 |
Total risk-based capital ratio | 13.2656% | 4,681 |
Memoranda: | ||
Average total assets | $650,509,500 | 1,093 |
Average earning assets | $601,355,000 | 1,088 |
Average equity | $64,562,500 | 1,224 |
Average total loans | $402,792,250 | 1,197 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7874% | 4,000 |
Cost of funding earning assets | 0.2736% | 4,405 |
Net interest margin | 3.5137% | 3,438 |
Noninterest income to average assets | 2.2731% | 291 |
Noninterest expense to average assets | 3.3966% | 1,379 |
Loan and lease loss provision to assets | 0.2995% | 603 |
Net operating income to assets | 1.2267% | 1,512 |
Return on assets (ROA) | 1.2267% | 1,608 |
Pretax return on assets | 1.8282% | 826 |
Return on Equity (ROE) | 12.3769% | 1,192 |
Retained earnings to average equity (ytd only) | 3.3427% | 3,772 |
Net charge-offs to loans | 0.3909% | 579 |
Credit loss provision to net charge-offs | 123.5669% | 1,817 |
Earnings coverage of net charge-offs (x) | 8.7783% | 2,487 |
Efficiency ratio | 61.4856% | 4,430 |
Assets per employee ($millions) | 4.2579% | 3,452 |
Cash dividends to net income (ytd only)* | 72.9927% | 1,089 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2355% | 3,157 |
Loan loss allowance to noncurrent loans | 93.5326% | 3,847 |
Noncurrent assets plus other real estate owned to assets | 0.9522% | 2,247 |
Noncurrent loans to loans | 1.3209% | 1,707 |
Net loans and leases to total assets | 59.8733% | 3,898 |
Net loans and leases to deposits | 66.8643% | 4,277 |
Net loans and leases to core deposits | 69.4600% | 4,369 |
Total domestic deposits to total assets | 89.5445% | 657 |
Equity capital to assets | 9.8153% | 4,430 |
Core capital (leverage) ratio | 8.4380% | 5,412 |
Tier 1 risk-based capital ratio | 11.7901% | 4,980 |
Total risk-based capital ratio | 12.8213% | 4,998 |
Memoranda: | ||
Average total assets | $647,757,330 | 1,097 |
Average earning assets | $599,359,670 | 1,089 |
Average equity | $64,200,000 | 1,230 |
Average total loans | $401,625,000 | 1,206 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7777% | 4,029 |
Cost of funding earning assets | 0.2720% | 4,478 |
Net interest margin | 3.5057% | 3,454 |
Noninterest income to average assets | 3.1355% | 193 |
Noninterest expense to average assets | 3.3856% | 1,413 |
Loan and lease loss provision to assets | 0.3096% | 501 |
Net operating income to assets | 1.7476% | 516 |
Return on assets (ROA) | 1.7476% | 552 |
Pretax return on assets | 2.6726% | 184 |
Return on Equity (ROE) | 17.5442% | 392 |
Retained earnings to average equity (ytd only) | 13.1487% | 377 |
Net charge-offs to loans | -0.0239% | 4,956 |
Credit loss provision to net charge-offs | -2,062.5000% | 4,898 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.1677% | 5,445 |
Assets per employee ($millions) | 3.9822% | 3,978 |
Cash dividends to net income (ytd only)* | 25.0537% | 2,472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3299% | 2,761 |
Loan loss allowance to noncurrent loans | 88.7347% | 3,889 |
Noncurrent assets plus other real estate owned to assets | 1.1559% | 1,897 |
Noncurrent loans to loans | 1.4987% | 1,561 |
Net loans and leases to total assets | 58.1856% | 4,024 |
Net loans and leases to deposits | 64.8123% | 4,358 |
Net loans and leases to core deposits | 67.2010% | 4,457 |
Total domestic deposits to total assets | 89.7756% | 693 |
Equity capital to assets | 9.6291% | 4,535 |
Core capital (leverage) ratio | 9.2728% | 4,519 |
Tier 1 risk-based capital ratio | 11.8742% | 4,991 |
Total risk-based capital ratio | 12.9629% | 5,006 |
Memoranda: | ||
Average total assets | $639,523,000 | 1,106 |
Average earning assets | $589,671,500 | 1,111 |
Average equity | $63,702,000 | 1,229 |
Average total loans | $401,103,000 | 1,200 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0599% | 3,072 |
Cost of funding earning assets | 0.2978% | 4,274 |
Net interest margin | 3.7620% | 2,515 |
Noninterest income to average assets | 1.4271% | 595 |
Noninterest expense to average assets | 3.5071% | 1,280 |
Loan and lease loss provision to assets | 0.3586% | 401 |
Net operating income to assets | 0.7396% | 3,620 |
Return on assets (ROA) | 0.7789% | 3,499 |
Pretax return on assets | 1.0691% | 3,192 |
Return on Equity (ROE) | 7.5374% | 3,230 |
Retained earnings to average equity (ytd only) | 4.0494% | 3,133 |
Net charge-offs to loans | 0.4287% | 653 |
Credit loss provision to net charge-offs | 122.5788% | 2,110 |
Earnings coverage of net charge-offs (x) | 4.6963% | 3,504 |
Efficiency ratio | 71.8520% | 2,930 |
Assets per employee ($millions) | 3.5416% | 4,742 |
Cash dividends to net income (ytd only)* | 46.2764% | 2,510 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1886% | 3,547 |
Loan loss allowance to noncurrent loans | 75.5282% | 4,238 |
Noncurrent assets plus other real estate owned to assets | 1.3308% | 1,594 |
Noncurrent loans to loans | 1.5737% | 1,463 |
Net loans and leases to total assets | 66.1393% | 2,961 |
Net loans and leases to deposits | 75.7901% | 3,280 |
Net loans and leases to core deposits | 79.0880% | 3,438 |
Total domestic deposits to total assets | 87.2663% | 2,002 |
Equity capital to assets | 10.3339% | 3,586 |
Core capital (leverage) ratio | 9.1797% | 4,646 |
Tier 1 risk-based capital ratio | 11.6929% | 5,136 |
Total risk-based capital ratio | 12.6964% | 5,190 |
Memoranda: | ||
Average total assets | $596,471,400 | 1,143 |
Average earning assets | $547,629,800 | 1,152 |
Average equity | $61,639,200 | 1,224 |
Average total loans | $407,085,400 | 1,137 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0496% | 3,131 |
Cost of funding earning assets | 0.3028% | 4,313 |
Net interest margin | 3.7469% | 2,574 |
Noninterest income to average assets | 1.5059% | 547 |
Noninterest expense to average assets | 3.5340% | 1,222 |
Loan and lease loss provision to assets | 0.4008% | 299 |
Net operating income to assets | 0.7320% | 3,755 |
Return on assets (ROA) | 0.7837% | 3,588 |
Pretax return on assets | 1.0813% | 3,306 |
Return on Equity (ROE) | 7.5842% | 3,295 |
Retained earnings to average equity (ytd only) | 4.4404% | 3,301 |
Net charge-offs to loans | 0.2734% | 977 |
Credit loss provision to net charge-offs | 213.7395% | 1,268 |
Earnings coverage of net charge-offs (x) | 7.5197% | 2,904 |
Efficiency ratio | 71.4778% | 2,963 |
Assets per employee ($millions) | 3.8594% | 4,159 |
Cash dividends to net income (ytd only)* | 41.4524% | 2,246 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2795% | 3,209 |
Loan loss allowance to noncurrent loans | 97.9129% | 3,720 |
Noncurrent assets plus other real estate owned to assets | 1.0935% | 2,170 |
Noncurrent loans to loans | 1.3068% | 1,953 |
Net loans and leases to total assets | 67.2408% | 2,811 |
Net loans and leases to deposits | 75.2664% | 3,393 |
Net loans and leases to core deposits | 78.4187% | 3,567 |
Total domestic deposits to total assets | 89.3370% | 848 |
Equity capital to assets | 10.1793% | 3,962 |
Core capital (leverage) ratio | 9.3232% | 4,554 |
Tier 1 risk-based capital ratio | 11.6856% | 5,275 |
Total risk-based capital ratio | 12.8144% | 5,266 |
Memoranda: | ||
Average total assets | $595,072,750 | 1,152 |
Average earning assets | $546,078,750 | 1,157 |
Average equity | $61,494,750 | 1,230 |
Average total loans | $408,108,750 | 1,127 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0613% | 3,041 |
Cost of funding earning assets | 0.3220% | 4,131 |
Net interest margin | 3.7394% | 2,545 |
Noninterest income to average assets | 1.4801% | 579 |
Noninterest expense to average assets | 3.5413% | 1,238 |
Loan and lease loss provision to assets | 0.4188% | 267 |
Net operating income to assets | 0.6918% | 3,928 |
Return on assets (ROA) | 0.7414% | 3,784 |
Pretax return on assets | 1.0117% | 3,539 |
Return on Equity (ROE) | 7.1373% | 3,534 |
Retained earnings to average equity (ytd only) | 4.8487% | 2,957 |
Net charge-offs to loans | 0.4120% | 627 |
Credit loss provision to net charge-offs | 147.8417% | 1,552 |
Earnings coverage of net charge-offs (x) | 4.8106% | 2,990 |
Efficiency ratio | 72.2141% | 2,975 |
Assets per employee ($millions) | 3.6565% | 4,526 |
Cash dividends to net income (ytd only)* | 32.0660% | 2,736 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1646% | 4,004 |
Loan loss allowance to noncurrent loans | 90.7972% | 3,944 |
Noncurrent assets plus other real estate owned to assets | 1.0943% | 2,319 |
Noncurrent loans to loans | 1.2826% | 2,109 |
Net loans and leases to total assets | 68.2772% | 2,607 |
Net loans and leases to deposits | 78.2850% | 2,994 |
Net loans and leases to core deposits | 81.3375% | 3,246 |
Total domestic deposits to total assets | 87.2162% | 2,053 |
Equity capital to assets | 10.3023% | 3,689 |
Core capital (leverage) ratio | 9.3232% | 4,522 |
Tier 1 risk-based capital ratio | 11.8971% | 5,217 |
Total risk-based capital ratio | 12.9381% | 5,257 |
Memoranda: | ||
Average total assets | $588,881,330 | 1,167 |
Average earning assets | $539,182,330 | 1,178 |
Average equity | $61,171,330 | 1,245 |
Average total loans | $404,822,000 | 1,136 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0196% | 3,162 |
Cost of funding earning assets | 0.3312% | 4,077 |
Net interest margin | 3.6884% | 2,662 |
Noninterest income to average assets | 1.3955% | 599 |
Noninterest expense to average assets | 3.5406% | 1,226 |
Loan and lease loss provision to assets | 0.4216% | 263 |
Net operating income to assets | 0.6171% | 4,209 |
Return on assets (ROA) | 0.7196% | 3,828 |
Pretax return on assets | 0.9567% | 3,662 |
Return on Equity (ROE) | 6.8986% | 3,560 |
Retained earnings to average equity (ytd only) | 5.5883% | 2,730 |
Net charge-offs to loans | 0.1266% | 1,497 |
Credit loss provision to net charge-offs | 485.8268% | 568 |
Earnings coverage of net charge-offs (x) | 14.3071% | 1,679 |
Efficiency ratio | 74.0354% | 2,810 |
Assets per employee ($millions) | 3.7319% | 4,459 |
Cash dividends to net income (ytd only)* | 18.9934% | 2,565 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2054% | 3,952 |
Loan loss allowance to noncurrent loans | 94.2879% | 3,822 |
Noncurrent assets plus other real estate owned to assets | 1.0481% | 2,522 |
Noncurrent loans to loans | 1.2784% | 2,241 |
Net loans and leases to total assets | 67.9176% | 2,452 |
Net loans and leases to deposits | 76.2719% | 3,024 |
Net loans and leases to core deposits | 80.2273% | 3,129 |
Total domestic deposits to total assets | 89.0467% | 1,231 |
Equity capital to assets | 10.4358% | 3,605 |
Core capital (leverage) ratio | 9.5137% | 4,255 |
Tier 1 risk-based capital ratio | 11.8343% | 5,346 |
Total risk-based capital ratio | 12.9017% | 5,372 |
Memoranda: | ||
Average total assets | $585,320,500 | 1,175 |
Average earning assets | $537,470,500 | 1,186 |
Average equity | $61,056,000 | 1,253 |
Average total loans | $401,368,500 | 1,143 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1340% | 3,186 |
Cost of funding earning assets | 0.3901% | 3,791 |
Net interest margin | 3.7439% | 2,835 |
Noninterest income to average assets | 0.9442% | 1,365 |
Noninterest expense to average assets | 3.4913% | 1,505 |
Loan and lease loss provision to assets | 0.3860% | 473 |
Net operating income to assets | 0.4161% | 5,173 |
Return on assets (ROA) | 0.4852% | 4,958 |
Pretax return on assets | 0.5575% | 5,081 |
Return on Equity (ROE) | 4.8426% | 4,747 |
Retained earnings to average equity (ytd only) | 1.1331% | 5,266 |
Net charge-offs to loans | 0.7184% | 512 |
Credit loss provision to net charge-offs | 82.1056% | 2,828 |
Earnings coverage of net charge-offs (x) | 1.8379% | 4,324 |
Efficiency ratio | 80.0628% | 1,920 |
Assets per employee ($millions) | 3.7727% | 4,401 |
Cash dividends to net income (ytd only)* | 76.6017% | 1,016 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1062% | 4,507 |
Loan loss allowance to noncurrent loans | 77.4489% | 4,288 |
Noncurrent assets plus other real estate owned to assets | 1.1294% | 2,499 |
Noncurrent loans to loans | 1.4284% | 2,059 |
Net loans and leases to total assets | 67.6394% | 2,620 |
Net loans and leases to deposits | 75.9967% | 3,200 |
Net loans and leases to core deposits | 80.5553% | 3,231 |
Total domestic deposits to total assets | 89.0031% | 1,231 |
Equity capital to assets | 10.4265% | 3,580 |
Core capital (leverage) ratio | 9.3743% | 4,431 |
Tier 1 risk-based capital ratio | 12.6397% | 4,952 |
Total risk-based capital ratio | 13.6748% | 4,997 |
Memoranda: | ||
Average total assets | $591,929,000 | 1,120 |
Average earning assets | $539,331,000 | 1,124 |
Average equity | $59,307,400 | 1,235 |
Average total loans | $387,396,400 | 1,143 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1124% | 3,328 |
Cost of funding earning assets | 0.3980% | 3,812 |
Net interest margin | 3.7144% | 2,966 |
Noninterest income to average assets | 0.7542% | 2,076 |
Noninterest expense to average assets | 3.4334% | 1,585 |
Loan and lease loss provision to assets | 0.3966% | 429 |
Net operating income to assets | 0.2928% | 5,610 |
Return on assets (ROA) | 0.3948% | 5,345 |
Pretax return on assets | 0.4069% | 5,563 |
Return on Equity (ROE) | 3.9803% | 5,180 |
Retained earnings to average equity (ytd only) | -0.5402% | 5,880 |
Net charge-offs to loans | 0.7884% | 425 |
Credit loss provision to net charge-offs | 77.7241% | 2,641 |
Earnings coverage of net charge-offs (x) | 1.3686% | 4,173 |
Efficiency ratio | 82.9607% | 1,499 |
Assets per employee ($millions) | 3.7854% | 4,318 |
Cash dividends to net income (ytd only)* | 113.5719% | 244 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1145% | 4,688 |
Loan loss allowance to noncurrent loans | 84.9864% | 4,050 |
Noncurrent assets plus other real estate owned to assets | 1.0345% | 2,892 |
Noncurrent loans to loans | 1.3114% | 2,459 |
Net loans and leases to total assets | 65.0813% | 3,011 |
Net loans and leases to deposits | 75.1576% | 3,292 |
Net loans and leases to core deposits | 80.0823% | 3,301 |
Total domestic deposits to total assets | 86.5932% | 2,532 |
Equity capital to assets | 9.9691% | 4,200 |
Core capital (leverage) ratio | 9.0028% | 5,067 |
Tier 1 risk-based capital ratio | 12.2512% | 5,330 |
Total risk-based capital ratio | 13.2697% | 5,388 |
Memoranda: | ||
Average total assets | $594,661,250 | 1,123 |
Average earning assets | $540,724,250 | 1,127 |
Average equity | $58,989,750 | 1,249 |
Average total loans | $384,900,250 | 1,155 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0751% | 3,443 |
Cost of funding earning assets | 0.4049% | 3,821 |
Net interest margin | 3.6702% | 3,067 |
Noninterest income to average assets | 1.2522% | 746 |
Noninterest expense to average assets | 3.4301% | 1,615 |
Loan and lease loss provision to assets | 0.4013% | 415 |
Net operating income to assets | 0.5953% | 4,376 |
Return on assets (ROA) | 0.6632% | 4,127 |
Pretax return on assets | 0.8391% | 4,121 |
Return on Equity (ROE) | 6.6963% | 3,782 |
Retained earnings to average equity (ytd only) | 1.7626% | 5,015 |
Net charge-offs to loans | 0.9225% | 392 |
Credit loss provision to net charge-offs | 67.5936% | 2,509 |
Earnings coverage of net charge-offs (x) | 1.9444% | 3,684 |
Efficiency ratio | 74.6343% | 2,868 |
Assets per employee ($millions) | 3.7358% | 4,381 |
Cash dividends to net income (ytd only)* | 73.6789% | 1,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1355% | 4,735 |
Loan loss allowance to noncurrent loans | 82.7844% | 4,097 |
Noncurrent assets plus other real estate owned to assets | 1.0980% | 2,876 |
Noncurrent loans to loans | 1.3716% | 2,520 |
Net loans and leases to total assets | 63.3674% | 3,184 |
Net loans and leases to deposits | 72.3809% | 3,524 |
Net loans and leases to core deposits | 75.8635% | 3,638 |
Total domestic deposits to total assets | 87.5472% | 2,172 |
Equity capital to assets | 10.1122% | 3,953 |
Core capital (leverage) ratio | 9.1885% | 4,760 |
Tier 1 risk-based capital ratio | 12.8935% | 4,980 |
Total risk-based capital ratio | 13.9349% | 5,037 |
Memoranda: | ||
Average total assets | $593,518,330 | 1,123 |
Average earning assets | $538,883,000 | 1,122 |
Average equity | $58,778,330 | 1,246 |
Average total loans | $381,989,670 | 1,150 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0897% | 3,321 |
Cost of funding earning assets | 0.4173% | 3,793 |
Net interest margin | 3.6724% | 2,984 |
Noninterest income to average assets | 1.1077% | 908 |
Noninterest expense to average assets | 3.5740% | 1,355 |
Loan and lease loss provision to assets | 0.3445% | 519 |
Net operating income to assets | 0.4448% | 4,952 |
Return on assets (ROA) | 0.5609% | 4,488 |
Pretax return on assets | 0.6452% | 4,679 |
Return on Equity (ROE) | 5.7246% | 4,165 |
Retained earnings to average equity (ytd only) | -1.1559% | 5,754 |
Net charge-offs to loans | 0.6942% | 525 |
Credit loss provision to net charge-offs | 76.9578% | 1,933 |
Earnings coverage of net charge-offs (x) | 1.9127% | 2,992 |
Efficiency ratio | 80.2922% | 2,163 |
Assets per employee ($millions) | 3.7492% | 4,424 |
Cash dividends to net income (ytd only)* | 120.1923% | 531 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2579% | 4,336 |
Loan loss allowance to noncurrent loans | 84.6910% | 4,022 |
Noncurrent assets plus other real estate owned to assets | 1.1759% | 2,905 |
Noncurrent loans to loans | 1.4853% | 2,559 |
Net loans and leases to total assets | 61.6553% | 3,291 |
Net loans and leases to deposits | 70.7116% | 3,511 |
Net loans and leases to core deposits | 74.0623% | 3,639 |
Total domestic deposits to total assets | 87.1926% | 2,710 |
Equity capital to assets | 9.6905% | 4,238 |
Core capital (leverage) ratio | 9.1490% | 4,794 |
Tier 1 risk-based capital ratio | 12.6623% | 5,215 |
Total risk-based capital ratio | 13.7984% | 5,224 |
Memoranda: | ||
Average total assets | $593,283,500 | 1,130 |
Average earning assets | $536,761,000 | 1,141 |
Average equity | $58,135,000 | 1,252 |
Average total loans | $382,625,500 | 1,149 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2154% | 3,290 |
Cost of funding earning assets | 0.5179% | 3,421 |
Net interest margin | 3.6975% | 3,064 |
Noninterest income to average assets | 1.5469% | 597 |
Noninterest expense to average assets | 3.6781% | 1,318 |
Loan and lease loss provision to assets | 0.7128% | 321 |
Net operating income to assets | 0.4732% | 4,852 |
Return on assets (ROA) | 0.5545% | 4,609 |
Pretax return on assets | 0.6275% | 4,780 |
Return on Equity (ROE) | 5.6582% | 4,297 |
Retained earnings to average equity (ytd only) | 5.6582% | 2,182 |
Net charge-offs to loans | 1.5406% | 302 |
Credit loss provision to net charge-offs | 71.8002% | 3,252 |
Earnings coverage of net charge-offs (x) | 1.2570% | 4,649 |
Efficiency ratio | 74.1822% | 3,099 |
Assets per employee ($millions) | 3.5985% | 4,685 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2602% | 4,344 |
Loan loss allowance to noncurrent loans | 77.5349% | 4,254 |
Noncurrent assets plus other real estate owned to assets | 1.3967% | 2,653 |
Noncurrent loans to loans | 1.6253% | 2,464 |
Net loans and leases to total assets | 65.7782% | 2,725 |
Net loans and leases to deposits | 74.8435% | 3,125 |
Net loans and leases to core deposits | 78.6496% | 3,284 |
Total domestic deposits to total assets | 87.8877% | 2,247 |
Equity capital to assets | 9.9111% | 3,885 |
Core capital (leverage) ratio | 9.1449% | 4,789 |
Tier 1 risk-based capital ratio | 12.3781% | 5,374 |
Total risk-based capital ratio | 13.5215% | 5,376 |
Memoranda: | ||
Average total assets | $580,844,800 | 1,147 |
Average earning assets | $530,813,600 | 1,140 |
Average equity | $56,926,400 | 1,263 |
Average total loans | $374,274,800 | 1,136 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1879% | 3,431 |
Cost of funding earning assets | 0.5375% | 3,382 |
Net interest margin | 3.6504% | 3,232 |
Noninterest income to average assets | 1.5566% | 606 |
Noninterest expense to average assets | 3.6625% | 1,302 |
Loan and lease loss provision to assets | 0.8133% | 235 |
Net operating income to assets | 0.3821% | 5,324 |
Return on assets (ROA) | 0.5119% | 4,903 |
Pretax return on assets | 0.5546% | 5,190 |
Return on Equity (ROE) | 5.2379% | 4,603 |
Retained earnings to average equity (ytd only) | 5.2379% | 2,908 |
Net charge-offs to loans | 1.4133% | 349 |
Credit loss provision to net charge-offs | 90.0763% | 2,635 |
Earnings coverage of net charge-offs (x) | 1.3588% | 4,385 |
Efficiency ratio | 74.4138% | 2,997 |
Assets per employee ($millions) | 3.6190% | 4,625 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6086% | 2,966 |
Loan loss allowance to noncurrent loans | 82.2598% | 3,981 |
Noncurrent assets plus other real estate owned to assets | 1.7763% | 2,308 |
Noncurrent loans to loans | 1.9556% | 2,303 |
Net loans and leases to total assets | 63.9524% | 3,006 |
Net loans and leases to deposits | 72.1673% | 3,492 |
Net loans and leases to core deposits | 75.8583% | 3,632 |
Total domestic deposits to total assets | 88.6168% | 1,774 |
Equity capital to assets | 9.7200% | 4,282 |
Core capital (leverage) ratio | 9.0070% | 5,118 |
Tier 1 risk-based capital ratio | 12.2124% | 5,636 |
Total risk-based capital ratio | 13.4577% | 5,574 |
Memoranda: | ||
Average total assets | $580,317,750 | 1,158 |
Average earning assets | $529,825,250 | 1,156 |
Average equity | $56,713,750 | 1,270 |
Average total loans | $370,756,000 | 1,149 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1926% | 3,400 |
Cost of funding earning assets | 0.5671% | 3,244 |
Net interest margin | 3.6256% | 3,258 |
Noninterest income to average assets | 1.5946% | 624 |
Noninterest expense to average assets | 3.6747% | 1,293 |
Loan and lease loss provision to assets | 1.0582% | 167 |
Net operating income to assets | 0.2058% | 5,873 |
Return on assets (ROA) | 0.4088% | 5,348 |
Pretax return on assets | 0.3835% | 5,674 |
Return on Equity (ROE) | 4.1750% | 5,146 |
Retained earnings to average equity (ytd only) | 4.1750% | 3,633 |
Net charge-offs to loans | 1.5561% | 331 |
Credit loss provision to net charge-offs | 107.0679% | 2,070 |
Earnings coverage of net charge-offs (x) | 1.2533% | 4,128 |
Efficiency ratio | 74.2962% | 3,078 |
Assets per employee ($millions) | 3.6546% | 4,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8350% | 2,313 |
Loan loss allowance to noncurrent loans | 110.6866% | 3,204 |
Noncurrent assets plus other real estate owned to assets | 1.5558% | 2,779 |
Noncurrent loans to loans | 1.6579% | 2,825 |
Net loans and leases to total assets | 60.7376% | 3,529 |
Net loans and leases to deposits | 69.5004% | 3,788 |
Net loans and leases to core deposits | 72.3602% | 4,002 |
Total domestic deposits to total assets | 87.3917% | 2,595 |
Equity capital to assets | 9.4083% | 4,707 |
Core capital (leverage) ratio | 8.8642% | 5,203 |
Tier 1 risk-based capital ratio | 12.3953% | 5,578 |
Total risk-based capital ratio | 13.6420% | 5,524 |
Memoranda: | ||
Average total assets | $578,331,330 | 1,163 |
Average earning assets | $529,403,330 | 1,155 |
Average equity | $56,623,000 | 1,274 |
Average total loans | $367,318,670 | 1,157 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2232% | 3,203 |
Cost of funding earning assets | 0.6052% | 3,065 |
Net interest margin | 3.6180% | 3,193 |
Noninterest income to average assets | 1.5098% | 679 |
Noninterest expense to average assets | 3.6579% | 1,320 |
Loan and lease loss provision to assets | 0.7559% | 294 |
Net operating income to assets | 0.4263% | 5,019 |
Return on assets (ROA) | 0.4263% | 5,174 |
Pretax return on assets | 0.4186% | 5,507 |
Return on Equity (ROE) | 4.2674% | 4,963 |
Retained earnings to average equity (ytd only) | 4.2674% | 3,668 |
Net charge-offs to loans | 1.2778% | 443 |
Credit loss provision to net charge-offs | 91.9149% | 1,989 |
Earnings coverage of net charge-offs (x) | 1.4281% | 3,357 |
Efficiency ratio | 75.1883% | 3,063 |
Assets per employee ($millions) | 3.5243% | 4,934 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7524% | 2,799 |
Loan loss allowance to noncurrent loans | 72.1748% | 4,250 |
Noncurrent assets plus other real estate owned to assets | 1.9026% | 2,472 |
Noncurrent loans to loans | 2.4280% | 2,128 |
Net loans and leases to total assets | 61.5707% | 3,151 |
Net loans and leases to deposits | 70.8540% | 3,347 |
Net loans and leases to core deposits | 71.8137% | 3,844 |
Total domestic deposits to total assets | 86.8979% | 3,023 |
Equity capital to assets | 9.8089% | 4,406 |
Core capital (leverage) ratio | 9.0073% | 4,872 |
Tier 1 risk-based capital ratio | 12.3759% | 5,658 |
Total risk-based capital ratio | 13.6205% | 5,614 |
Memoranda: | ||
Average total assets | $571,477,000 | 1,189 |
Average earning assets | $524,815,000 | 1,177 |
Average equity | $57,084,000 | 1,280 |
Average total loans | $367,821,500 | 1,161 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6011% | 3,000 |
Cost of funding earning assets | 0.7494% | 3,095 |
Net interest margin | 3.8518% | 3,018 |
Noninterest income to average assets | 1.8693% | 481 |
Noninterest expense to average assets | 3.7859% | 1,280 |
Loan and lease loss provision to assets | 1.0056% | 414 |
Net operating income to assets | 0.5060% | 4,664 |
Return on assets (ROA) | 0.6073% | 4,470 |
Pretax return on assets | 0.7157% | 4,613 |
Return on Equity (ROE) | 6.0837% | 4,127 |
Retained earnings to average equity (ytd only) | 1.7817% | 4,962 |
Net charge-offs to loans | 1.7053% | 487 |
Credit loss provision to net charge-offs | 93.0002% | 3,349 |
Earnings coverage of net charge-offs (x) | 1.4817% | 4,704 |
Efficiency ratio | 69.8037% | 3,859 |
Assets per employee ($millions) | 3.4439% | 5,122 |
Cash dividends to net income (ytd only)* | 70.7130% | 1,343 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7669% | 2,705 |
Loan loss allowance to noncurrent loans | 57.1078% | 4,784 |
Noncurrent assets plus other real estate owned to assets | 2.3622% | 2,081 |
Noncurrent loans to loans | 3.0940% | 1,676 |
Net loans and leases to total assets | 64.9714% | 2,726 |
Net loans and leases to deposits | 73.3153% | 3,207 |
Net loans and leases to core deposits | 74.3373% | 3,738 |
Total domestic deposits to total assets | 88.6193% | 1,826 |
Equity capital to assets | 10.1775% | 3,917 |
Core capital (leverage) ratio | 8.9859% | 4,919 |
Tier 1 risk-based capital ratio | 12.2634% | 5,625 |
Total risk-based capital ratio | 13.5072% | 5,583 |
Memoranda: | ||
Average total assets | $558,885,400 | 1,192 |
Average earning assets | $510,569,600 | 1,188 |
Average equity | $55,788,200 | 1,278 |
Average total loans | $354,363,400 | 1,177 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6345% | 3,082 |
Cost of funding earning assets | 0.7882% | 3,044 |
Net interest margin | 3.8463% | 3,135 |
Noninterest income to average assets | 1.8702% | 460 |
Noninterest expense to average assets | 3.7326% | 1,321 |
Loan and lease loss provision to assets | 1.0397% | 381 |
Net operating income to assets | 0.4885% | 4,885 |
Return on assets (ROA) | 0.5880% | 4,714 |
Pretax return on assets | 0.7345% | 4,728 |
Return on Equity (ROE) | 5.9199% | 4,368 |
Retained earnings to average equity (ytd only) | 1.5988% | 5,535 |
Net charge-offs to loans | 1.9138% | 393 |
Credit loss provision to net charge-offs | 86.6110% | 3,410 |
Earnings coverage of net charge-offs (x) | 1.3743% | 4,609 |
Efficiency ratio | 68.8849% | 3,897 |
Assets per employee ($millions) | 3.4015% | 5,205 |
Cash dividends to net income (ytd only)* | 72.9927% | 837 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7414% | 2,989 |
Loan loss allowance to noncurrent loans | 46.1295% | 5,335 |
Noncurrent assets plus other real estate owned to assets | 2.8286% | 1,861 |
Noncurrent loans to loans | 3.7750% | 1,407 |
Net loans and leases to total assets | 63.4098% | 3,136 |
Net loans and leases to deposits | 73.0752% | 3,439 |
Net loans and leases to core deposits | 74.3596% | 3,929 |
Total domestic deposits to total assets | 86.7733% | 2,816 |
Equity capital to assets | 10.1869% | 4,223 |
Core capital (leverage) ratio | 8.9092% | 5,184 |
Tier 1 risk-based capital ratio | 12.3777% | 5,717 |
Total risk-based capital ratio | 13.6197% | 5,694 |
Memoranda: | ||
Average total assets | $559,127,750 | 1,207 |
Average earning assets | $510,538,750 | 1,206 |
Average equity | $55,539,750 | 1,292 |
Average total loans | $350,702,750 | 1,197 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6612% | 3,089 |
Cost of funding earning assets | 0.8173% | 3,060 |
Net interest margin | 3.8439% | 3,162 |
Noninterest income to average assets | 1.7689% | 493 |
Noninterest expense to average assets | 3.7147% | 1,345 |
Loan and lease loss provision to assets | 1.0008% | 440 |
Net operating income to assets | 0.4449% | 5,057 |
Return on assets (ROA) | 0.5923% | 4,662 |
Pretax return on assets | 0.7481% | 4,666 |
Return on Equity (ROE) | 6.0134% | 4,323 |
Retained earnings to average equity (ytd only) | 1.6585% | 5,373 |
Net charge-offs to loans | 1.5287% | 640 |
Credit loss provision to net charge-offs | 105.3820% | 2,579 |
Earnings coverage of net charge-offs (x) | 1.6451% | 4,167 |
Efficiency ratio | 69.9201% | 3,780 |
Assets per employee ($millions) | 3.3518% | 5,325 |
Cash dividends to net income (ytd only)* | 72.4200% | 1,014 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9806% | 2,279 |
Loan loss allowance to noncurrent loans | 65.7755% | 4,374 |
Noncurrent assets plus other real estate owned to assets | 2.3997% | 2,330 |
Noncurrent loans to loans | 3.0112% | 1,962 |
Net loans and leases to total assets | 63.0262% | 3,229 |
Net loans and leases to deposits | 70.9332% | 3,773 |
Net loans and leases to core deposits | 72.3210% | 4,265 |
Total domestic deposits to total assets | 88.8529% | 1,603 |
Equity capital to assets | 10.0332% | 4,281 |
Core capital (leverage) ratio | 8.8369% | 5,155 |
Tier 1 risk-based capital ratio | 12.3340% | 5,700 |
Total risk-based capital ratio | 13.5776% | 5,673 |
Memoranda: | ||
Average total assets | $559,556,000 | 1,204 |
Average earning assets | $510,678,670 | 1,206 |
Average equity | $55,110,670 | 1,292 |
Average total loans | $347,605,000 | 1,205 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6085% | 3,461 |
Cost of funding earning assets | 0.8281% | 3,251 |
Net interest margin | 3.7804% | 3,482 |
Noninterest income to average assets | 1.6609% | 534 |
Noninterest expense to average assets | 3.6505% | 1,464 |
Loan and lease loss provision to assets | 0.8982% | 491 |
Net operating income to assets | 0.4411% | 5,074 |
Return on assets (ROA) | 0.5667% | 4,734 |
Pretax return on assets | 0.7228% | 4,717 |
Return on Equity (ROE) | 5.8078% | 4,401 |
Retained earnings to average equity (ytd only) | 1.4246% | 5,521 |
Net charge-offs to loans | 1.0522% | 985 |
Credit loss provision to net charge-offs | 139.8446% | 1,761 |
Earnings coverage of net charge-offs (x) | 2.2730% | 3,259 |
Efficiency ratio | 70.9443% | 3,632 |
Assets per employee ($millions) | 3.5474% | 5,007 |
Cash dividends to net income (ytd only)* | 75.4717% | 883 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1041% | 2,096 |
Loan loss allowance to noncurrent loans | 50.7965% | 5,021 |
Noncurrent assets plus other real estate owned to assets | 2.6787% | 2,206 |
Noncurrent loans to loans | 4.1423% | 1,462 |
Net loans and leases to total assets | 60.2310% | 3,616 |
Net loans and leases to deposits | 68.2526% | 4,017 |
Net loans and leases to core deposits | 69.8431% | 4,444 |
Total domestic deposits to total assets | 88.2472% | 2,163 |
Equity capital to assets | 9.6929% | 4,533 |
Core capital (leverage) ratio | 8.8889% | 5,004 |
Tier 1 risk-based capital ratio | 12.5927% | 5,527 |
Total risk-based capital ratio | 13.8367% | 5,499 |
Memoranda: | ||
Average total assets | $561,131,500 | 1,210 |
Average earning assets | $512,005,000 | 1,205 |
Average equity | $54,753,500 | 1,295 |
Average total loans | $342,524,000 | 1,229 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9784% | 2,981 |
Cost of funding earning assets | 1.0114% | 3,293 |
Net interest margin | 3.9670% | 3,033 |
Noninterest income to average assets | 1.3627% | 693 |
Noninterest expense to average assets | 3.5118% | 1,951 |
Loan and lease loss provision to assets | 0.8768% | 1,105 |
Net operating income to assets | 0.4653% | 4,563 |
Return on assets (ROA) | 0.5231% | 4,536 |
Pretax return on assets | 0.6565% | 4,492 |
Return on Equity (ROE) | 5.3512% | 4,226 |
Retained earnings to average equity (ytd only) | 2.0090% | 4,781 |
Net charge-offs to loans | 1.1891% | 1,418 |
Credit loss provision to net charge-offs | 120.0100% | 2,655 |
Earnings coverage of net charge-offs (x) | 1.9998% | 4,283 |
Efficiency ratio | 70.1094% | 3,929 |
Assets per employee ($millions) | 3.5330% | 4,935 |
Cash dividends to net income (ytd only)* | 62.4564% | 1,454 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0540% | 2,115 |
Loan loss allowance to noncurrent loans | 55.8973% | 4,717 |
Noncurrent assets plus other real estate owned to assets | 2.4897% | 2,442 |
Noncurrent loans to loans | 3.6747% | 1,720 |
Net loans and leases to total assets | 59.3089% | 4,131 |
Net loans and leases to deposits | 69.5366% | 4,185 |
Net loans and leases to core deposits | 71.7392% | 4,561 |
Total domestic deposits to total assets | 85.2917% | 3,696 |
Equity capital to assets | 9.8232% | 4,409 |
Core capital (leverage) ratio | 8.8362% | 5,046 |
Tier 1 risk-based capital ratio | 12.6549% | 5,332 |
Total risk-based capital ratio | 13.8964% | 5,321 |
Memoranda: | ||
Average total assets | $547,901,600 | 1,202 |
Average earning assets | $498,615,200 | 1,217 |
Average equity | $53,557,800 | 1,265 |
Average total loans | $336,637,000 | 1,259 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0208% | 2,992 |
Cost of funding earning assets | 1.0485% | 3,328 |
Net interest margin | 3.9724% | 3,034 |
Noninterest income to average assets | 1.3105% | 763 |
Noninterest expense to average assets | 3.5535% | 1,805 |
Loan and lease loss provision to assets | 0.7834% | 1,196 |
Net operating income to assets | 0.4258% | 4,876 |
Return on assets (ROA) | 0.4939% | 4,760 |
Pretax return on assets | 0.6829% | 4,544 |
Return on Equity (ROE) | 5.0589% | 4,509 |
Retained earnings to average equity (ytd only) | 1.6779% | 5,299 |
Net charge-offs to loans | 1.3155% | 1,169 |
Credit loss provision to net charge-offs | 96.5642% | 3,554 |
Earnings coverage of net charge-offs (x) | 1.6908% | 4,389 |
Efficiency ratio | 71.6293% | 3,631 |
Assets per employee ($millions) | 3.4922% | 5,023 |
Cash dividends to net income (ytd only)* | 66.8318% | 972 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7814% | 3,013 |
Loan loss allowance to noncurrent loans | 68.2518% | 4,031 |
Noncurrent assets plus other real estate owned to assets | 2.0834% | 3,044 |
Noncurrent loans to loans | 2.6101% | 2,659 |
Net loans and leases to total assets | 60.6167% | 4,026 |
Net loans and leases to deposits | 72.6016% | 3,872 |
Net loans and leases to core deposits | 76.8059% | 4,081 |
Total domestic deposits to total assets | 83.4922% | 4,482 |
Equity capital to assets | 9.9602% | 4,397 |
Core capital (leverage) ratio | 8.8825% | 5,134 |
Tier 1 risk-based capital ratio | 12.4710% | 5,511 |
Total risk-based capital ratio | 13.7085% | 5,519 |
Memoranda: | ||
Average total assets | $545,321,750 | 1,215 |
Average earning assets | $496,212,000 | 1,225 |
Average equity | $53,238,500 | 1,278 |
Average total loans | $336,291,750 | 1,271 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0670% | 2,848 |
Cost of funding earning assets | 1.0434% | 3,649 |
Net interest margin | 4.0235% | 2,722 |
Noninterest income to average assets | 1.2007% | 893 |
Noninterest expense to average assets | 3.5508% | 1,854 |
Loan and lease loss provision to assets | 0.7547% | 1,234 |
Net operating income to assets | 0.4031% | 4,929 |
Return on assets (ROA) | 0.4799% | 4,738 |
Pretax return on assets | 0.6628% | 4,522 |
Return on Equity (ROE) | 4.9487% | 4,477 |
Retained earnings to average equity (ytd only) | 1.5195% | 5,220 |
Net charge-offs to loans | 1.2682% | 1,226 |
Credit loss provision to net charge-offs | 96.5226% | 3,260 |
Earnings coverage of net charge-offs (x) | 1.6767% | 4,031 |
Efficiency ratio | 72.5060% | 3,632 |
Assets per employee ($millions) | 3.3161% | 5,397 |
Cash dividends to net income (ytd only)* | 69.2956% | 1,058 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8130% | 2,944 |
Loan loss allowance to noncurrent loans | 78.9693% | 3,577 |
Noncurrent assets plus other real estate owned to assets | 1.9279% | 3,339 |
Noncurrent loans to loans | 2.2958% | 3,107 |
Net loans and leases to total assets | 61.1739% | 4,054 |
Net loans and leases to deposits | 71.1234% | 4,273 |
Net loans and leases to core deposits | 76.7221% | 4,223 |
Total domestic deposits to total assets | 86.0109% | 3,322 |
Equity capital to assets | 9.9745% | 4,190 |
Core capital (leverage) ratio | 8.7430% | 5,151 |
Tier 1 risk-based capital ratio | 12.5452% | 5,299 |
Total risk-based capital ratio | 13.7825% | 5,294 |
Memoranda: | ||
Average total assets | $544,335,330 | 1,232 |
Average earning assets | $495,284,330 | 1,232 |
Average equity | $52,781,330 | 1,276 |
Average total loans | $335,596,330 | 1,288 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0638% | 2,803 |
Cost of funding earning assets | 1.0384% | 3,927 |
Net interest margin | 4.0254% | 2,584 |
Noninterest income to average assets | 1.2199% | 857 |
Noninterest expense to average assets | 3.4897% | 2,028 |
Loan and lease loss provision to assets | 0.6571% | 1,304 |
Net operating income to assets | 0.5208% | 4,401 |
Return on assets (ROA) | 0.5621% | 4,304 |
Pretax return on assets | 0.8001% | 3,899 |
Return on Equity (ROE) | 5.8801% | 3,972 |
Retained earnings to average equity (ytd only) | 2.4055% | 4,708 |
Net charge-offs to loans | 0.9749% | 1,381 |
Credit loss provision to net charge-offs | 109.8901% | 2,430 |
Earnings coverage of net charge-offs (x) | 2.3382% | 3,144 |
Efficiency ratio | 70.8738% | 4,078 |
Assets per employee ($millions) | 3.4600% | 5,092 |
Cash dividends to net income (ytd only)* | 59.0909% | 1,270 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8642% | 2,812 |
Loan loss allowance to noncurrent loans | 93.6917% | 3,053 |
Noncurrent assets plus other real estate owned to assets | 1.6384% | 3,793 |
Noncurrent loans to loans | 1.9897% | 3,582 |
Net loans and leases to total assets | 58.8067% | 4,497 |
Net loans and leases to deposits | 68.2392% | 4,644 |
Net loans and leases to core deposits | 74.3058% | 4,506 |
Total domestic deposits to total assets | 86.1773% | 3,418 |
Equity capital to assets | 9.4473% | 4,503 |
Core capital (leverage) ratio | 8.7596% | 4,986 |
Tier 1 risk-based capital ratio | 12.3416% | 5,405 |
Total risk-based capital ratio | 13.5745% | 5,412 |
Memoranda: | ||
Average total assets | $547,897,500 | 1,230 |
Average earning assets | $499,226,500 | 1,232 |
Average equity | $52,380,000 | 1,275 |
Average total loans | $336,044,000 | 1,298 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4543% | 2,463 |
Cost of funding earning assets | 1.2905% | 3,943 |
Net interest margin | 4.1638% | 2,312 |
Noninterest income to average assets | 1.5024% | 643 |
Noninterest expense to average assets | 3.4860% | 2,216 |
Loan and lease loss provision to assets | 0.8328% | 1,975 |
Net operating income to assets | 0.6302% | 3,531 |
Return on assets (ROA) | 0.6125% | 3,785 |
Pretax return on assets | 0.8979% | 3,296 |
Return on Equity (ROE) | 6.4929% | 3,350 |
Retained earnings to average equity (ytd only) | 4.7832% | 2,555 |
Net charge-offs to loans | 1.1716% | 1,902 |
Credit loss provision to net charge-offs | 117.3251% | 3,647 |
Earnings coverage of net charge-offs (x) | 2.4748% | 3,883 |
Efficiency ratio | 66.0059% | 4,969 |
Assets per employee ($millions) | 3.3671% | 5,251 |
Cash dividends to net income (ytd only)* | 26.3315% | 3,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8157% | 2,813 |
Loan loss allowance to noncurrent loans | 105.1712% | 2,751 |
Noncurrent assets plus other real estate owned to assets | 1.6383% | 3,847 |
Noncurrent loans to loans | 1.7264% | 3,910 |
Net loans and leases to total assets | 61.6508% | 4,360 |
Net loans and leases to deposits | 69.9327% | 4,821 |
Net loans and leases to core deposits | 76.1815% | 4,684 |
Total domestic deposits to total assets | 88.1574% | 2,143 |
Equity capital to assets | 9.6769% | 4,175 |
Core capital (leverage) ratio | 8.4309% | 5,481 |
Tier 1 risk-based capital ratio | 12.3105% | 5,196 |
Total risk-based capital ratio | 13.5646% | 5,161 |
Memoranda: | ||
Average total assets | $545,607,600 | 1,229 |
Average earning assets | $490,126,800 | 1,255 |
Average equity | $51,471,800 | 1,294 |
Average total loans | $330,566,800 | 1,351 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4447% | 2,672 |
Cost of funding earning assets | 1.3330% | 4,024 |
Net interest margin | 4.1117% | 2,574 |
Noninterest income to average assets | 1.3671% | 725 |
Noninterest expense to average assets | 3.2894% | 2,605 |
Loan and lease loss provision to assets | 0.8363% | 1,815 |
Net operating income to assets | 0.6266% | 3,767 |
Return on assets (ROA) | 0.6012% | 4,029 |
Pretax return on assets | 0.8838% | 3,609 |
Return on Equity (ROE) | 6.4136% | 3,618 |
Retained earnings to average equity (ytd only) | 4.8829% | 3,069 |
Net charge-offs to loans | 1.0289% | 1,962 |
Credit loss provision to net charge-offs | 135.3707% | 2,972 |
Earnings coverage of net charge-offs (x) | 2.8446% | 3,713 |
Efficiency ratio | 64.6715% | 5,115 |
Assets per employee ($millions) | 3.7414% | 4,409 |
Cash dividends to net income (ytd only)* | 23.8654% | 2,798 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8834% | 2,534 |
Loan loss allowance to noncurrent loans | 81.7120% | 3,319 |
Noncurrent assets plus other real estate owned to assets | 1.5118% | 4,187 |
Noncurrent loans to loans | 2.3049% | 3,337 |
Net loans and leases to total assets | 55.4092% | 5,632 |
Net loans and leases to deposits | 63.9186% | 5,925 |
Net loans and leases to core deposits | 69.8192% | 5,767 |
Total domestic deposits to total assets | 86.6871% | 2,702 |
Equity capital to assets | 8.8167% | 5,836 |
Core capital (leverage) ratio | 8.6906% | 5,204 |
Tier 1 risk-based capital ratio | 11.7984% | 5,637 |
Total risk-based capital ratio | 13.0532% | 5,613 |
Memoranda: | ||
Average total assets | $547,326,000 | 1,237 |
Average earning assets | $489,806,750 | 1,268 |
Average equity | $51,306,500 | 1,306 |
Average total loans | $328,639,500 | 1,377 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4445% | 2,775 |
Cost of funding earning assets | 1.3662% | 4,082 |
Net interest margin | 4.0783% | 2,666 |
Noninterest income to average assets | 1.2712% | 799 |
Noninterest expense to average assets | 3.3231% | 2,489 |
Loan and lease loss provision to assets | 0.7627% | 1,882 |
Net operating income to assets | 0.6260% | 3,754 |
Return on assets (ROA) | 0.6096% | 3,975 |
Pretax return on assets | 0.8974% | 3,502 |
Return on Equity (ROE) | 6.3602% | 3,615 |
Retained earnings to average equity (ytd only) | 5.1952% | 2,783 |
Net charge-offs to loans | 0.9880% | 1,874 |
Credit loss provision to net charge-offs | 125.7463% | 3,208 |
Earnings coverage of net charge-offs (x) | 2.7767% | 3,600 |
Efficiency ratio | 65.8380% | 5,010 |
Assets per employee ($millions) | 3.4583% | 5,019 |
Cash dividends to net income (ytd only)* | 18.3168% | 2,940 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7855% | 2,766 |
Loan loss allowance to noncurrent loans | 72.7351% | 3,711 |
Noncurrent assets plus other real estate owned to assets | 1.6469% | 3,963 |
Noncurrent loans to loans | 2.4548% | 3,189 |
Net loans and leases to total assets | 60.0034% | 5,058 |
Net loans and leases to deposits | 70.6595% | 5,186 |
Net loans and leases to core deposits | 77.8706% | 4,972 |
Total domestic deposits to total assets | 84.9192% | 3,673 |
Equity capital to assets | 9.5694% | 4,600 |
Core capital (leverage) ratio | 8.7885% | 4,934 |
Tier 1 risk-based capital ratio | 11.9060% | 5,396 |
Total risk-based capital ratio | 13.1590% | 5,368 |
Memoranda: | ||
Average total assets | $530,227,000 | 1,283 |
Average earning assets | $485,741,000 | 1,283 |
Average equity | $50,815,670 | 1,311 |
Average total loans | $325,499,670 | 1,407 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4584% | 2,789 |
Cost of funding earning assets | 1.4082% | 4,125 |
Net interest margin | 4.0502% | 2,649 |
Noninterest income to average assets | 1.2550% | 779 |
Noninterest expense to average assets | 3.3068% | 2,513 |
Loan and lease loss provision to assets | 0.7314% | 1,741 |
Net operating income to assets | 0.6175% | 3,822 |
Return on assets (ROA) | 0.6149% | 3,976 |
Pretax return on assets | 0.9232% | 3,374 |
Return on Equity (ROE) | 6.4114% | 3,661 |
Retained earnings to average equity (ytd only) | 6.4114% | 2,404 |
Net charge-offs to loans | 0.5392% | 2,450 |
Credit loss provision to net charge-offs | 220.4128% | 1,708 |
Earnings coverage of net charge-offs (x) | 4.9977% | 2,497 |
Efficiency ratio | 66.0638% | 5,100 |
Assets per employee ($millions) | 3.5701% | 4,889 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8733% | 2,523 |
Loan loss allowance to noncurrent loans | 73.4804% | 3,692 |
Noncurrent assets plus other real estate owned to assets | 1.6941% | 3,940 |
Noncurrent loans to loans | 2.5494% | 3,125 |
Net loans and leases to total assets | 59.4417% | 5,209 |
Net loans and leases to deposits | 70.9823% | 5,203 |
Net loans and leases to core deposits | 75.3962% | 5,344 |
Total domestic deposits to total assets | 83.7416% | 4,268 |
Equity capital to assets | 9.6433% | 4,316 |
Core capital (leverage) ratio | 8.7396% | 4,955 |
Tier 1 risk-based capital ratio | 12.2268% | 4,970 |
Total risk-based capital ratio | 13.4815% | 4,939 |
Memoranda: | ||
Average total assets | $525,591,000 | 1,324 |
Average earning assets | $481,462,500 | 1,325 |
Average equity | $50,410,000 | 1,325 |
Average total loans | $323,448,000 | 1,459 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7970% | 2,666 |
Cost of funding earning assets | 2.0043% | 2,941 |
Net interest margin | 3.7927% | 3,742 |
Noninterest income to average assets | 1.4075% | 738 |
Noninterest expense to average assets | 3.4691% | 2,457 |
Loan and lease loss provision to assets | 0.7851% | 2,775 |
Net operating income to assets | 0.4708% | 3,855 |
Return on assets (ROA) | 0.4764% | 3,933 |
Pretax return on assets | 0.6392% | 3,781 |
Return on Equity (ROE) | 5.2547% | 3,558 |
Retained earnings to average equity (ytd only) | 1.6556% | 3,922 |
Net charge-offs to loans | 0.4865% | 3,826 |
Credit loss provision to net charge-offs | 257.3946% | 1,363 |
Earnings coverage of net charge-offs (x) | 4.6451% | 2,871 |
Efficiency ratio | 70.4553% | 4,529 |
Assets per employee ($millions) | 3.4395% | 5,157 |
Cash dividends to net income (ytd only)* | 68.4932% | 1,633 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6740% | 2,990 |
Loan loss allowance to noncurrent loans | 88.2562% | 3,158 |
Noncurrent assets plus other real estate owned to assets | 1.3068% | 4,474 |
Noncurrent loans to loans | 1.8967% | 3,808 |
Net loans and leases to total assets | 61.4670% | 5,114 |
Net loans and leases to deposits | 77.8678% | 4,403 |
Net loans and leases to core deposits | 83.6199% | 5,754 |
Total domestic deposits to total assets | 78.9376% | 5,998 |
Equity capital to assets | 9.5384% | 4,372 |
Core capital (leverage) ratio | 8.5879% | 5,120 |
Tier 1 risk-based capital ratio | 11.6678% | 5,230 |
Total risk-based capital ratio | 12.9199% | 5,184 |
Memoranda: | ||
Average total assets | $520,938,600 | 1,324 |
Average earning assets | $477,782,000 | 1,323 |
Average equity | $47,233,600 | 1,422 |
Average total loans | $326,627,200 | 1,475 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8197% | 2,801 |
Cost of funding earning assets | 2.1175% | 2,814 |
Net interest margin | 3.7022% | 4,059 |
Noninterest income to average assets | 1.4732% | 684 |
Noninterest expense to average assets | 3.4834% | 2,319 |
Loan and lease loss provision to assets | 0.8748% | 2,195 |
Net operating income to assets | 0.4029% | 4,391 |
Return on assets (ROA) | 0.4463% | 4,314 |
Pretax return on assets | 0.5692% | 4,302 |
Return on Equity (ROE) | 4.9868% | 3,974 |
Retained earnings to average equity (ytd only) | 1.8378% | 4,289 |
Net charge-offs to loans | 0.5230% | 3,123 |
Credit loss provision to net charge-offs | 266.5886% | 1,592 |
Earnings coverage of net charge-offs (x) | 4.2311% | 3,203 |
Efficiency ratio | 70.9486% | 4,435 |
Assets per employee ($millions) | 3.7981% | 4,194 |
Cash dividends to net income (ytd only)* | 63.1458% | 1,481 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5716% | 3,112 |
Loan loss allowance to noncurrent loans | 74.5327% | 3,629 |
Noncurrent assets plus other real estate owned to assets | 1.5145% | 4,102 |
Noncurrent loans to loans | 2.1087% | 3,498 |
Net loans and leases to total assets | 60.9865% | 5,427 |
Net loans and leases to deposits | 79.2584% | 4,518 |
Net loans and leases to core deposits | 85.2408% | 5,946 |
Total domestic deposits to total assets | 76.9465% | 6,350 |
Equity capital to assets | 9.3107% | 5,019 |
Core capital (leverage) ratio | 8.4900% | 5,519 |
Tier 1 risk-based capital ratio | 11.5444% | 5,389 |
Total risk-based capital ratio | 12.7954% | 5,333 |
Memoranda: | ||
Average total assets | $520,472,250 | 1,339 |
Average earning assets | $477,790,500 | 1,338 |
Average equity | $46,575,250 | 1,467 |
Average total loans | $326,578,250 | 1,490 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8614% | 2,755 |
Cost of funding earning assets | 2.2119% | 2,737 |
Net interest margin | 3.6495% | 4,171 |
Noninterest income to average assets | 1.5411% | 628 |
Noninterest expense to average assets | 3.5698% | 2,145 |
Loan and lease loss provision to assets | 1.0265% | 1,651 |
Net operating income to assets | 0.2555% | 5,065 |
Return on assets (ROA) | 0.2927% | 5,035 |
Pretax return on assets | 0.3355% | 5,111 |
Return on Equity (ROE) | 3.3164% | 4,780 |
Retained earnings to average equity (ytd only) | -1.4836% | 5,612 |
Net charge-offs to loans | 0.4554% | 3,005 |
Credit loss provision to net charge-offs | 357.7181% | 1,299 |
Earnings coverage of net charge-offs (x) | 4.5973% | 3,056 |
Efficiency ratio | 72.4651% | 4,321 |
Assets per employee ($millions) | 3.8358% | 4,010 |
Cash dividends to net income (ytd only)* | 144.7368% | 374 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5048% | 3,164 |
Loan loss allowance to noncurrent loans | 68.4970% | 4,006 |
Noncurrent assets plus other real estate owned to assets | 1.6011% | 3,814 |
Noncurrent loans to loans | 2.1969% | 3,262 |
Net loans and leases to total assets | 60.0287% | 5,674 |
Net loans and leases to deposits | 78.2634% | 4,822 |
Net loans and leases to core deposits | 84.6539% | 6,037 |
Total domestic deposits to total assets | 76.7009% | 6,398 |
Equity capital to assets | 9.0757% | 5,209 |
Core capital (leverage) ratio | 8.2695% | 5,855 |
Tier 1 risk-based capital ratio | 11.2861% | 5,610 |
Total risk-based capital ratio | 12.5350% | 5,514 |
Memoranda: | ||
Average total assets | $519,250,670 | 1,366 |
Average earning assets | $476,334,000 | 1,358 |
Average equity | $45,833,330 | 1,499 |
Average total loans | $327,185,330 | 1,521 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8239% | 3,175 |
Cost of funding earning assets | 2.2957% | 2,717 |
Net interest margin | 3.5282% | 4,622 |
Noninterest income to average assets | 1.5382% | 586 |
Noninterest expense to average assets | 3.3911% | 2,385 |
Loan and lease loss provision to assets | 0.6051% | 2,084 |
Net operating income to assets | 0.5575% | 4,191 |
Return on assets (ROA) | 0.5364% | 4,460 |
Pretax return on assets | 0.7511% | 4,252 |
Return on Equity (ROE) | 6.1677% | 3,972 |
Retained earnings to average equity (ytd only) | 1.6788% | 4,906 |
Net charge-offs to loans | 0.2754% | 3,023 |
Credit loss provision to net charge-offs | 342.9204% | 1,463 |
Earnings coverage of net charge-offs (x) | 7.8540% | 2,287 |
Efficiency ratio | 70.4152% | 4,493 |
Assets per employee ($millions) | 3.7185% | 4,301 |
Cash dividends to net income (ytd only)* | 72.7802% | 1,217 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0752% | 5,652 |
Loan loss allowance to noncurrent loans | 47.9624% | 5,326 |
Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,680 |
Noncurrent loans to loans | 2.2418% | 2,940 |
Net loans and leases to total assets | 61.7487% | 5,381 |
Net loans and leases to deposits | 81.1870% | 4,426 |
Net loans and leases to core deposits | 91.9140% | 5,351 |
Total domestic deposits to total assets | 76.0574% | 6,498 |
Equity capital to assets | 9.1106% | 5,213 |
Core capital (leverage) ratio | 8.7045% | 5,141 |
Tier 1 risk-based capital ratio | 11.8016% | 5,124 |
Total risk-based capital ratio | 12.7490% | 5,312 |
Memoranda: | ||
Average total assets | $512,284,500 | 1,388 |
Average earning assets | $470,265,500 | 1,384 |
Average equity | $44,555,000 | 1,541 |
Average total loans | $328,301,500 | 1,530 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3603% | 3,641 |
Cost of funding earning assets | 2.7183% | 3,072 |
Net interest margin | 3.6420% | 4,715 |
Noninterest income to average assets | 1.2036% | 1,028 |
Noninterest expense to average assets | 3.1986% | 3,340 |
Loan and lease loss provision to assets | 0.2748% | 4,197 |
Net operating income to assets | 0.7568% | 3,632 |
Return on assets (ROA) | 0.6654% | 3,890 |
Pretax return on assets | 0.9144% | 3,677 |
Return on Equity (ROE) | 8.1699% | 2,998 |
Retained earnings to average equity (ytd only) | 5.6176% | 1,704 |
Net charge-offs to loans | 0.2484% | 3,787 |
Credit loss provision to net charge-offs | 173.0366% | 2,948 |
Earnings coverage of net charge-offs (x) | 8.2762% | 2,909 |
Efficiency ratio | 69.6637% | 4,416 |
Assets per employee ($millions) | 3.5733% | 4,491 |
Cash dividends to net income (ytd only)* | 31.2402% | 4,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9018% | 6,670 |
Loan loss allowance to noncurrent loans | 60.1458% | 4,998 |
Noncurrent assets plus other real estate owned to assets | 1.0828% | 4,128 |
Noncurrent loans to loans | 1.4994% | 3,548 |
Net loans and leases to total assets | 65.2381% | 5,005 |
Net loans and leases to deposits | 86.5042% | 4,037 |
Net loans and leases to core deposits | 97.6643% | 5,078 |
Total domestic deposits to total assets | 75.4160% | 6,360 |
Equity capital to assets | 8.2642% | 6,462 |
Core capital (leverage) ratio | 7.1930% | 7,526 |
Tier 1 risk-based capital ratio | 9.6080% | 7,200 |
Total risk-based capital ratio | 10.4141% | 7,616 |
Memoranda: | ||
Average total assets | $481,056,600 | 1,426 |
Average earning assets | $437,118,800 | 1,435 |
Average equity | $39,180,400 | 1,722 |
Average total loans | $307,538,600 | 1,577 |