Home > Centier Bank > Performance and Condition Ratios
Centier Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1210% | 549 |
Cost of funding earning assets | 2.1163% | 748 |
Net interest margin | 4.0047% | 1,199 |
Noninterest income to average assets | 0.7300% | 1,109 |
Noninterest expense to average assets | 1.9461% | 3,742 |
Loan and lease loss provision to assets | 0.1700% | 757 |
Net operating income to assets | 1.8380% | 579 |
Return on assets (ROA) | 1.8397% | 560 |
Pretax return on assets | 2.3720% | 390 |
Return on Equity (ROE) | 21.5600% | 494 |
Retained earnings to average equity (ytd only) | 17.1592% | 214 |
Net charge-offs to loans | 0.0181% | 1,997 |
Credit loss provision to net charge-offs | 1,255.3667% | 337 |
Earnings coverage of net charge-offs (x) | 174.4472% | 642 |
Efficiency ratio | 43.4193% | 4,270 |
Assets per employee ($millions) | 9.0249% | 975 |
Cash dividends to net income (ytd only)* | 20.4015% | 2,922 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1227% | 2,707 |
Loan loss allowance to noncurrent loans | 570.5283% | 1,326 |
Noncurrent assets plus other real estate owned to assets | 0.1578% | 2,481 |
Noncurrent loans to loans | 0.1968% | 2,528 |
Net loans and leases to total assets | 79.2000% | 742 |
Net loans and leases to deposits | 95.9696% | 792 |
Net loans and leases to core deposits | 122.8070% | 548 |
Total domestic deposits to total assets | 82.5300% | 3,011 |
Equity capital to assets | 8.3787% | 3,134 |
Core capital (leverage) ratio | 9.4673% | 3,278 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.7304% | 2,650 |
Memoranda: | ||
Average total assets | $7,690,567,200 | 196 |
Average earning assets | $7,202,851,400 | 185 |
Average equity | $656,302,400 | 223 |
Average total loans | $6,177,763,800 | 174 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9603% | 555 |
Cost of funding earning assets | 1.9078% | 849 |
Net interest margin | 4.0525% | 1,144 |
Noninterest income to average assets | 0.7400% | 1,065 |
Noninterest expense to average assets | 1.9774% | 3,648 |
Loan and lease loss provision to assets | 0.1700% | 682 |
Net operating income to assets | 1.8257% | 637 |
Return on assets (ROA) | 1.8331% | 617 |
Pretax return on assets | 2.3879% | 431 |
Return on Equity (ROE) | 21.3700% | 607 |
Retained earnings to average equity (ytd only) | 16.8412% | 401 |
Net charge-offs to loans | 0.0198% | 1,727 |
Credit loss provision to net charge-offs | 1,170.9932% | 368 |
Earnings coverage of net charge-offs (x) | 160.1941% | 700 |
Efficiency ratio | 43.7186% | 4,245 |
Assets per employee ($millions) | 8.5551% | 1,100 |
Cash dividends to net income (ytd only)* | 21.1810% | 2,416 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1329% | 2,714 |
Loan loss allowance to noncurrent loans | 521.3044% | 1,420 |
Noncurrent assets plus other real estate owned to assets | 0.1757% | 2,414 |
Noncurrent loans to loans | 0.2173% | 2,481 |
Net loans and leases to total assets | 79.9200% | 657 |
Net loans and leases to deposits | 94.7895% | 836 |
Net loans and leases to core deposits | 123.2410% | 479 |
Total domestic deposits to total assets | 84.3100% | 2,683 |
Equity capital to assets | 7.9472% | 3,088 |
Core capital (leverage) ratio | 9.7337% | 3,065 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.7294% | 2,682 |
Memoranda: | ||
Average total assets | $7,433,702,500 | 205 |
Average earning assets | $6,946,752,000 | 196 |
Average equity | $637,763,000 | 227 |
Average total loans | $5,976,350,500 | 182 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7328% | 607 |
Cost of funding earning assets | 1.6648% | 942 |
Net interest margin | 4.0681% | 1,132 |
Noninterest income to average assets | 0.7600% | 956 |
Noninterest expense to average assets | 2.0476% | 3,468 |
Loan and lease loss provision to assets | 0.1400% | 795 |
Net operating income to assets | 1.8175% | 636 |
Return on assets (ROA) | 1.8291% | 622 |
Pretax return on assets | 2.3804% | 410 |
Return on Equity (ROE) | 20.7400% | 636 |
Retained earnings to average equity (ytd only) | 16.1830% | 451 |
Net charge-offs to loans | 0.0338% | 1,219 |
Credit loss provision to net charge-offs | 611.5108% | 566 |
Earnings coverage of net charge-offs (x) | 92.6629% | 980 |
Efficiency ratio | 44.9213% | 4,210 |
Assets per employee ($millions) | 7.9820% | 1,329 |
Cash dividends to net income (ytd only)* | 21.9702% | 2,375 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1106% | 2,907 |
Loan loss allowance to noncurrent loans | 495.3392% | 1,565 |
Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,282 |
Noncurrent loans to loans | 0.2242% | 2,366 |
Net loans and leases to total assets | 80.7000% | 557 |
Net loans and leases to deposits | 98.6703% | 576 |
Net loans and leases to core deposits | 119.5781% | 525 |
Total domestic deposits to total assets | 81.7900% | 3,275 |
Equity capital to assets | 8.4002% | 2,946 |
Core capital (leverage) ratio | 10.1101% | 2,646 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.8838% | 2,661 |
Memoranda: | ||
Average total assets | $7,182,520,333 | 204 |
Average earning assets | $6,703,806,000 | 198 |
Average equity | $633,466,000 | 223 |
Average total loans | $5,762,475,667 | 179 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5571% | 568 |
Cost of funding earning assets | 1.4036% | 1,013 |
Net interest margin | 4.1535% | 1,015 |
Noninterest income to average assets | 0.7500% | 973 |
Noninterest expense to average assets | 2.1413% | 3,276 |
Loan and lease loss provision to assets | 0.1500% | 723 |
Net operating income to assets | 1.7980% | 674 |
Return on assets (ROA) | 1.8175% | 637 |
Pretax return on assets | 2.3609% | 436 |
Return on Equity (ROE) | 20.0700% | 756 |
Retained earnings to average equity (ytd only) | 15.4404% | 744 |
Net charge-offs to loans | 0.0004% | 2,056 |
Credit loss provision to net charge-offs | 50,000.0000% | 5 |
Earnings coverage of net charge-offs (x) | 8,544.4000% | 5 |
Efficiency ratio | 46.3211% | 4,199 |
Assets per employee ($millions) | 7.5083% | 1,619 |
Cash dividends to net income (ytd only)* | 23.0617% | 1,900 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2029% | 2,536 |
Loan loss allowance to noncurrent loans | 961.9358% | 1,018 |
Noncurrent assets plus other real estate owned to assets | 0.1002% | 2,830 |
Noncurrent loans to loans | 0.1250% | 2,890 |
Net loans and leases to total assets | 79.2000% | 618 |
Net loans and leases to deposits | 97.4722% | 566 |
Net loans and leases to core deposits | 109.4235% | 721 |
Total domestic deposits to total assets | 81.2500% | 3,598 |
Equity capital to assets | 9.0906% | 2,446 |
Core capital (leverage) ratio | 10.5375% | 2,207 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5726% | 2,547 |
Memoranda: | ||
Average total assets | $6,886,525,000 | 215 |
Average earning assets | $6,413,917,000 | 209 |
Average equity | $623,661,500 | 231 |
Average total loans | $5,471,560,000 | 189 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1867% | 1,275 |
Cost of funding earning assets | 0.4289% | 1,867 |
Net interest margin | 3.7578% | 1,246 |
Noninterest income to average assets | 0.9400% | 721 |
Noninterest expense to average assets | 2.1399% | 3,195 |
Loan and lease loss provision to assets | 0.1200% | 1,028 |
Net operating income to assets | 1.7078% | 532 |
Return on assets (ROA) | 1.7007% | 510 |
Pretax return on assets | 2.1923% | 324 |
Return on Equity (ROE) | 18.4600% | 637 |
Retained earnings to average equity (ytd only) | 15.3355% | 265 |
Net charge-offs to loans | 0.0311% | 1,445 |
Credit loss provision to net charge-offs | 482.3718% | 695 |
Earnings coverage of net charge-offs (x) | 94.4699% | 1,000 |
Efficiency ratio | 47.9850% | 4,240 |
Assets per employee ($millions) | 7.2836% | 1,766 |
Cash dividends to net income (ytd only)* | 16.9398% | 3,004 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3055% | 1,867 |
Loan loss allowance to noncurrent loans | 933.5135% | 1,048 |
Noncurrent assets plus other real estate owned to assets | 0.1101% | 2,755 |
Noncurrent loans to loans | 0.1398% | 2,813 |
Net loans and leases to total assets | 77.6800% | 832 |
Net loans and leases to deposits | 95.6905% | 666 |
Net loans and leases to core deposits | 99.2188% | 1,043 |
Total domestic deposits to total assets | 81.1800% | 3,733 |
Equity capital to assets | 9.0202% | 2,342 |
Core capital (leverage) ratio | 10.5882% | 2,105 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0582% | 2,347 |
Memoranda: | ||
Average total assets | $6,353,337,000 | 226 |
Average earning assets | $5,952,595,400 | 221 |
Average equity | $585,238,000 | 242 |
Average total loans | $5,015,368,400 | 195 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8219% | 1,677 |
Cost of funding earning assets | 0.2675% | 2,512 |
Net interest margin | 3.5544% | 1,510 |
Noninterest income to average assets | 0.9900% | 677 |
Noninterest expense to average assets | 2.1157% | 3,171 |
Loan and lease loss provision to assets | 0.1100% | 969 |
Net operating income to assets | 1.6221% | 625 |
Return on assets (ROA) | 1.6153% | 616 |
Pretax return on assets | 2.0988% | 382 |
Return on Equity (ROE) | 17.4400% | 719 |
Retained earnings to average equity (ytd only) | 14.0883% | 452 |
Net charge-offs to loans | 0.0276% | 1,272 |
Credit loss provision to net charge-offs | 485.8398% | 625 |
Earnings coverage of net charge-offs (x) | 101.4990% | 944 |
Efficiency ratio | 48.8718% | 4,224 |
Assets per employee ($millions) | 6.8910% | 2,029 |
Cash dividends to net income (ytd only)* | 19.2122% | 2,494 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3659% | 1,734 |
Loan loss allowance to noncurrent loans | 914.4532% | 1,054 |
Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,796 |
Noncurrent loans to loans | 0.1494% | 2,864 |
Net loans and leases to total assets | 77.4000% | 760 |
Net loans and leases to deposits | 89.6284% | 914 |
Net loans and leases to core deposits | 91.2372% | 1,215 |
Total domestic deposits to total assets | 86.3600% | 2,966 |
Equity capital to assets | 9.0353% | 2,188 |
Core capital (leverage) ratio | 10.6256% | 2,008 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4539% | 2,286 |
Memoranda: | ||
Average total assets | $6,260,981,000 | 227 |
Average earning assets | $5,881,705,250 | 223 |
Average equity | $579,945,500 | 246 |
Average total loans | $4,946,301,000 | 196 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4709% | 2,224 |
Cost of funding earning assets | 0.1879% | 3,075 |
Net interest margin | 3.2829% | 1,957 |
Noninterest income to average assets | 1.0722% | 581 |
Noninterest expense to average assets | 2.0652% | 3,249 |
Loan and lease loss provision to assets | 0.0774% | 1,252 |
Net operating income to assets | 1.5643% | 600 |
Return on assets (ROA) | 1.5657% | 578 |
Pretax return on assets | 2.0359% | 351 |
Return on Equity (ROE) | 16.7653% | 593 |
Retained earnings to average equity (ytd only) | 11.7815% | 643 |
Net charge-offs to loans | 0.0108% | 1,580 |
Credit loss provision to net charge-offs | 904.8507% | 434 |
Earnings coverage of net charge-offs (x) | 246.7090% | 478 |
Efficiency ratio | 49.4441% | 4,285 |
Assets per employee ($millions) | 6.9876% | 1,951 |
Cash dividends to net income (ytd only)* | 29.7269% | 2,115 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2911% | 2,230 |
Loan loss allowance to noncurrent loans | 1,673.2120% | 634 |
Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,334 |
Noncurrent loans to loans | 0.0772% | 3,399 |
Net loans and leases to total assets | 78.3085% | 534 |
Net loans and leases to deposits | 92.5524% | 578 |
Net loans and leases to core deposits | 94.5000% | 894 |
Total domestic deposits to total assets | 84.6099% | 3,568 |
Equity capital to assets | 9.0059% | 2,383 |
Core capital (leverage) ratio | 10.1185% | 2,264 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6549% | 2,631 |
Memoranda: | ||
Average total assets | $6,262,290,333 | 224 |
Average earning assets | $5,922,100,000 | 223 |
Average equity | $584,813,333 | 242 |
Average total loans | $4,958,355,667 | 191 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2785% | 2,452 |
Cost of funding earning assets | 0.1459% | 3,552 |
Net interest margin | 3.1326% | 2,074 |
Noninterest income to average assets | 0.9744% | 715 |
Noninterest expense to average assets | 2.0568% | 3,281 |
Loan and lease loss provision to assets | 0.1289% | 637 |
Net operating income to assets | 1.3625% | 876 |
Return on assets (ROA) | 1.3653% | 858 |
Pretax return on assets | 1.7758% | 578 |
Return on Equity (ROE) | 14.3570% | 769 |
Retained earnings to average equity (ytd only) | 4.4814% | 2,787 |
Net charge-offs to loans | 0.0055% | 1,558 |
Credit loss provision to net charge-offs | 2,985.0746% | 150 |
Earnings coverage of net charge-offs (x) | 440.3134% | 235 |
Efficiency ratio | 51.9669% | 4,203 |
Assets per employee ($millions) | 6.9892% | 2,006 |
Cash dividends to net income (ytd only)* | 68.7860% | 880 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3003% | 2,362 |
Loan loss allowance to noncurrent loans | 2,187.2226% | 516 |
Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,522 |
Noncurrent loans to loans | 0.0594% | 3,561 |
Net loans and leases to total assets | 79.3775% | 270 |
Net loans and leases to deposits | 93.2689% | 391 |
Net loans and leases to core deposits | 95.3807% | 681 |
Total domestic deposits to total assets | 85.1061% | 3,520 |
Equity capital to assets | 9.1923% | 2,531 |
Core capital (leverage) ratio | 9.9528% | 2,337 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4235% | 2,797 |
Memoranda: | ||
Average total assets | $6,207,097,000 | 231 |
Average earning assets | $5,911,745,000 | 225 |
Average equity | $590,262,000 | 245 |
Average total loans | $4,909,725,000 | 195 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3356% | 3,097 |
Cost of funding earning assets | 0.1619% | 3,851 |
Net interest margin | 3.1737% | 2,674 |
Noninterest income to average assets | 0.9964% | 1,012 |
Noninterest expense to average assets | 2.1721% | 3,169 |
Loan and lease loss provision to assets | -0.0153% | 4,198 |
Net operating income to assets | 1.4287% | 1,185 |
Return on assets (ROA) | 1.4347% | 1,246 |
Pretax return on assets | 1.8840% | 749 |
Return on Equity (ROE) | 14.6485% | 1,035 |
Retained earnings to average equity (ytd only) | 11.6627% | 586 |
Net charge-offs to loans | 0.0775% | 1,020 |
Credit loss provision to net charge-offs | -24.4898% | 3,199 |
Earnings coverage of net charge-offs (x) | 29.8678% | 1,611 |
Efficiency ratio | 53.8566% | 3,945 |
Assets per employee ($millions) | 7.0868% | 1,872 |
Cash dividends to net income (ytd only)* | 20.3826% | 3,010 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3103% | 2,313 |
Loan loss allowance to noncurrent loans | 1,853.0534% | 559 |
Noncurrent assets plus other real estate owned to assets | 0.0550% | 3,594 |
Noncurrent loans to loans | 0.0707% | 3,584 |
Net loans and leases to total assets | 76.7493% | 460 |
Net loans and leases to deposits | 90.4868% | 547 |
Net loans and leases to core deposits | 92.8405% | 835 |
Total domestic deposits to total assets | 84.8182% | 3,322 |
Equity capital to assets | 9.8280% | 2,824 |
Core capital (leverage) ratio | 9.8109% | 2,562 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0239% | 2,624 |
Memoranda: | ||
Average total assets | $5,898,056,800 | 235 |
Average earning assets | $5,643,370,200 | 226 |
Average equity | $577,677,000 | 247 |
Average total loans | $4,740,551,400 | 197 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3364% | 3,292 |
Cost of funding earning assets | 0.1656% | 3,968 |
Net interest margin | 3.1709% | 2,829 |
Noninterest income to average assets | 0.9968% | 1,075 |
Noninterest expense to average assets | 2.1470% | 3,228 |
Loan and lease loss provision to assets | 0.0137% | 2,720 |
Net operating income to assets | 1.4204% | 1,476 |
Return on assets (ROA) | 1.4285% | 1,519 |
Pretax return on assets | 1.8767% | 986 |
Return on Equity (ROE) | 14.5986% | 1,228 |
Retained earnings to average equity (ytd only) | 11.5722% | 921 |
Net charge-offs to loans | 0.0690% | 956 |
Credit loss provision to net charge-offs | 24.5700% | 1,974 |
Earnings coverage of net charge-offs (x) | 33.6314% | 1,461 |
Efficiency ratio | 53.3133% | 3,894 |
Assets per employee ($millions) | 6.8572% | 1,970 |
Cash dividends to net income (ytd only)* | 20.7304% | 2,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3303% | 2,332 |
Loan loss allowance to noncurrent loans | 1,478.4014% | 587 |
Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,610 |
Noncurrent loans to loans | 0.0900% | 3,630 |
Net loans and leases to total assets | 81.8667% | 198 |
Net loans and leases to deposits | 96.6662% | 327 |
Net loans and leases to core deposits | 99.2113% | 619 |
Total domestic deposits to total assets | 84.6901% | 3,223 |
Equity capital to assets | 9.9064% | 2,997 |
Core capital (leverage) ratio | 9.9222% | 2,599 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7455% | 2,791 |
Memoranda: | ||
Average total assets | $5,824,111,250 | 239 |
Average earning assets | $5,566,107,250 | 228 |
Average equity | $569,913,000 | 249 |
Average total loans | $4,721,479,000 | 198 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2910% | 3,453 |
Cost of funding earning assets | 0.1699% | 4,042 |
Net interest margin | 3.1210% | 2,982 |
Noninterest income to average assets | 0.9718% | 1,117 |
Noninterest expense to average assets | 2.1370% | 3,275 |
Loan and lease loss provision to assets | 0.0346% | 2,295 |
Net operating income to assets | 1.3544% | 1,694 |
Return on assets (ROA) | 1.3668% | 1,736 |
Pretax return on assets | 1.7948% | 1,252 |
Return on Equity (ROE) | 14.0270% | 1,407 |
Retained earnings to average equity (ytd only) | 10.9628% | 1,134 |
Net charge-offs to loans | -0.0259% | 4,098 |
Credit loss provision to net charge-offs | -166.1130% | 3,160 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.0915% | 3,792 |
Assets per employee ($millions) | 6.7115% | 2,015 |
Cash dividends to net income (ytd only)* | 21.8451% | 2,429 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5125% | 1,548 |
Loan loss allowance to noncurrent loans | 816.1602% | 866 |
Noncurrent assets plus other real estate owned to assets | 0.1442% | 3,284 |
Noncurrent loans to loans | 0.1853% | 3,302 |
Net loans and leases to total assets | 76.6552% | 532 |
Net loans and leases to deposits | 90.6690% | 612 |
Net loans and leases to core deposits | 93.3446% | 936 |
Total domestic deposits to total assets | 84.5440% | 3,270 |
Equity capital to assets | 9.8051% | 3,051 |
Core capital (leverage) ratio | 9.7160% | 2,680 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4895% | 2,551 |
Memoranda: | ||
Average total assets | $5,776,883,333 | 242 |
Average earning assets | $5,513,903,333 | 229 |
Average equity | $562,885,667 | 248 |
Average total loans | $4,645,356,667 | 200 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3868% | 3,237 |
Cost of funding earning assets | 0.1754% | 4,117 |
Net interest margin | 3.2115% | 2,659 |
Noninterest income to average assets | 1.0369% | 1,074 |
Noninterest expense to average assets | 2.1328% | 3,318 |
Loan and lease loss provision to assets | 0.0524% | 2,058 |
Net operating income to assets | 1.4537% | 1,433 |
Return on assets (ROA) | 1.4564% | 1,496 |
Pretax return on assets | 1.9154% | 1,091 |
Return on Equity (ROE) | 14.9955% | 1,212 |
Retained earnings to average equity (ytd only) | 11.8921% | 1,174 |
Net charge-offs to loans | -0.0466% | 4,367 |
Credit loss provision to net charge-offs | -137.6147% | 2,882 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.0540% | 3,987 |
Assets per employee ($millions) | 6.6213% | 2,076 |
Cash dividends to net income (ytd only)* | 20.6959% | 1,988 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5000% | 1,607 |
Loan loss allowance to noncurrent loans | 767.5234% | 836 |
Noncurrent assets plus other real estate owned to assets | 0.2568% | 2,862 |
Noncurrent loans to loans | 0.1954% | 3,410 |
Net loans and leases to total assets | 78.6393% | 424 |
Net loans and leases to deposits | 92.9442% | 548 |
Net loans and leases to core deposits | 96.5049% | 862 |
Total domestic deposits to total assets | 84.6091% | 3,250 |
Equity capital to assets | 9.7366% | 2,959 |
Core capital (leverage) ratio | 9.6545% | 2,864 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5498% | 2,470 |
Memoranda: | ||
Average total assets | $5,722,341,500 | 243 |
Average earning assets | $5,453,209,500 | 232 |
Average equity | $555,765,000 | 247 |
Average total loans | $4,677,439,000 | 201 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6636% | 3,668 |
Cost of funding earning assets | 0.3379% | 3,933 |
Net interest margin | 3.3257% | 3,000 |
Noninterest income to average assets | 1.3554% | 636 |
Noninterest expense to average assets | 2.1711% | 3,754 |
Loan and lease loss provision to assets | 0.5246% | 443 |
Net operating income to assets | 1.3664% | 1,093 |
Return on assets (ROA) | 1.3735% | 1,170 |
Pretax return on assets | 1.8103% | 671 |
Return on Equity (ROE) | 13.8589% | 850 |
Retained earnings to average equity (ytd only) | 10.9108% | 441 |
Net charge-offs to loans | 0.0730% | 1,754 |
Credit loss provision to net charge-offs | 850.6955% | 862 |
Earnings coverage of net charge-offs (x) | 37.7144% | 1,433 |
Efficiency ratio | 48.2782% | 4,623 |
Assets per employee ($millions) | 6.4519% | 1,951 |
Cash dividends to net income (ytd only)* | 21.2725% | 3,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4233% | 1,876 |
Loan loss allowance to noncurrent loans | 1,951.8454% | 391 |
Noncurrent assets plus other real estate owned to assets | 0.2803% | 2,891 |
Noncurrent loans to loans | 0.0729% | 4,003 |
Net loans and leases to total assets | 82.4778% | 260 |
Net loans and leases to deposits | 100.5959% | 346 |
Net loans and leases to core deposits | 104.2301% | 715 |
Total domestic deposits to total assets | 81.9893% | 3,664 |
Equity capital to assets | 9.6875% | 3,422 |
Core capital (leverage) ratio | 9.5897% | 3,020 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6611% | 2,749 |
Memoranda: | ||
Average total assets | $5,245,514,800 | 243 |
Average earning assets | $4,955,047,000 | 235 |
Average equity | $519,854,200 | 251 |
Average total loans | $4,432,125,400 | 206 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7294% | 3,732 |
Cost of funding earning assets | 0.3890% | 3,871 |
Net interest margin | 3.3403% | 3,075 |
Noninterest income to average assets | 1.4308% | 557 |
Noninterest expense to average assets | 2.2084% | 3,660 |
Loan and lease loss provision to assets | 0.4756% | 646 |
Net operating income to assets | 1.4368% | 1,018 |
Return on assets (ROA) | 1.4457% | 1,095 |
Pretax return on assets | 1.9112% | 616 |
Return on Equity (ROE) | 14.4978% | 795 |
Retained earnings to average equity (ytd only) | 11.5939% | 487 |
Net charge-offs to loans | 0.0965% | 1,342 |
Credit loss provision to net charge-offs | 581.9568% | 1,176 |
Earnings coverage of net charge-offs (x) | 29.0673% | 1,619 |
Efficiency ratio | 48.1769% | 4,599 |
Assets per employee ($millions) | 6.3540% | 1,953 |
Cash dividends to net income (ytd only)* | 20.0305% | 2,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2380% | 2,458 |
Loan loss allowance to noncurrent loans | 611.9724% | 893 |
Noncurrent assets plus other real estate owned to assets | 0.2958% | 2,972 |
Noncurrent loans to loans | 0.2023% | 3,575 |
Net loans and leases to total assets | 83.8582% | 292 |
Net loans and leases to deposits | 105.5673% | 337 |
Net loans and leases to core deposits | 112.2667% | 621 |
Total domestic deposits to total assets | 79.4358% | 3,978 |
Equity capital to assets | 9.6408% | 3,562 |
Core capital (leverage) ratio | 9.6534% | 3,095 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6520% | 2,741 |
Memoranda: | ||
Average total assets | $5,135,856,250 | 243 |
Average earning assets | $4,847,863,750 | 235 |
Average equity | $512,155,250 | 250 |
Average total loans | $4,351,193,750 | 207 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8606% | 3,716 |
Cost of funding earning assets | 0.4719% | 3,691 |
Net interest margin | 3.3887% | 3,139 |
Noninterest income to average assets | 1.4279% | 513 |
Noninterest expense to average assets | 2.2165% | 3,731 |
Loan and lease loss provision to assets | 0.4777% | 777 |
Net operating income to assets | 1.4601% | 1,000 |
Return on assets (ROA) | 1.4715% | 1,063 |
Pretax return on assets | 1.9458% | 613 |
Return on Equity (ROE) | 14.5753% | 778 |
Retained earnings to average equity (ytd only) | 11.8028% | 481 |
Net charge-offs to loans | 0.0072% | 2,703 |
Credit loss provision to net charge-offs | 7,842.1053% | 146 |
Earnings coverage of net charge-offs (x) | 395.4605% | 261 |
Efficiency ratio | 47.9184% | 4,637 |
Assets per employee ($millions) | 6.0381% | 2,155 |
Cash dividends to net income (ytd only)* | 19.0222% | 2,786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2104% | 2,463 |
Loan loss allowance to noncurrent loans | 452.6748% | 1,089 |
Noncurrent assets plus other real estate owned to assets | 0.3637% | 2,843 |
Noncurrent loans to loans | 0.2674% | 3,422 |
Net loans and leases to total assets | 83.7924% | 269 |
Net loans and leases to deposits | 104.7925% | 352 |
Net loans and leases to core deposits | 109.9153% | 744 |
Total domestic deposits to total assets | 79.9603% | 3,846 |
Equity capital to assets | 9.7179% | 3,450 |
Core capital (leverage) ratio | 9.8816% | 2,945 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8439% | 2,672 |
Memoranda: | ||
Average total assets | $4,990,308,333 | 246 |
Average earning assets | $4,708,936,000 | 236 |
Average equity | $503,796,333 | 252 |
Average total loans | $4,224,399,000 | 207 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1713% | 3,317 |
Cost of funding earning assets | 0.6337% | 3,250 |
Net interest margin | 3.5376% | 2,857 |
Noninterest income to average assets | 1.3838% | 460 |
Noninterest expense to average assets | 2.5868% | 3,014 |
Loan and lease loss provision to assets | 0.2868% | 1,083 |
Net operating income to assets | 1.3925% | 1,006 |
Return on assets (ROA) | 1.4130% | 1,030 |
Pretax return on assets | 1.8787% | 591 |
Return on Equity (ROE) | 13.7094% | 758 |
Retained earnings to average equity (ytd only) | 11.2896% | 525 |
Net charge-offs to loans | 0.0777% | 1,249 |
Credit loss provision to net charge-offs | 436.5482% | 952 |
Earnings coverage of net charge-offs (x) | 32.5711% | 1,128 |
Efficiency ratio | 54.7321% | 4,332 |
Assets per employee ($millions) | 5.5519% | 2,062 |
Cash dividends to net income (ytd only)* | 17.6509% | 2,381 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1177% | 3,100 |
Loan loss allowance to noncurrent loans | 377.9811% | 1,245 |
Noncurrent assets plus other real estate owned to assets | 0.3976% | 2,857 |
Noncurrent loans to loans | 0.2957% | 3,441 |
Net loans and leases to total assets | 83.1142% | 344 |
Net loans and leases to deposits | 108.2827% | 222 |
Net loans and leases to core deposits | 114.5669% | 644 |
Total domestic deposits to total assets | 76.7566% | 4,385 |
Equity capital to assets | 10.2854% | 3,529 |
Core capital (leverage) ratio | 10.5116% | 2,936 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7483% | 2,830 |
Memoranda: | ||
Average total assets | $4,798,512,500 | 248 |
Average earning assets | $4,533,939,500 | 236 |
Average equity | $494,579,500 | 259 |
Average total loans | $4,057,553,000 | 211 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5952% | 2,634 |
Cost of funding earning assets | 0.9159% | 2,131 |
Net interest margin | 3.6793% | 2,875 |
Noninterest income to average assets | 1.0138% | 944 |
Noninterest expense to average assets | 2.5186% | 3,393 |
Loan and lease loss provision to assets | 0.1251% | 1,697 |
Net operating income to assets | 1.4304% | 1,240 |
Return on assets (ROA) | 1.4233% | 1,338 |
Pretax return on assets | 1.8569% | 824 |
Return on Equity (ROE) | 14.5217% | 793 |
Retained earnings to average equity (ytd only) | 11.8885% | 249 |
Net charge-offs to loans | 0.0604% | 2,239 |
Credit loss provision to net charge-offs | 242.8811% | 1,116 |
Earnings coverage of net charge-offs (x) | 38.6612% | 1,346 |
Efficiency ratio | 55.8508% | 4,223 |
Assets per employee ($millions) | 5.4973% | 2,062 |
Cash dividends to net income (ytd only)* | 18.1331% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0866% | 3,023 |
Loan loss allowance to noncurrent loans | 256.5307% | 1,738 |
Noncurrent assets plus other real estate owned to assets | 0.5143% | 2,360 |
Noncurrent loans to loans | 0.4236% | 2,930 |
Net loans and leases to total assets | 84.1612% | 309 |
Net loans and leases to deposits | 106.8815% | 266 |
Net loans and leases to core deposits | 112.7822% | 726 |
Total domestic deposits to total assets | 78.7426% | 4,233 |
Equity capital to assets | 10.3294% | 3,603 |
Core capital (leverage) ratio | 10.0608% | 3,447 |
Tier 1 risk-based capital ratio | 11.8337% | 4,456 |
Total risk-based capital ratio | 12.9079% | 4,438 |
Memoranda: | ||
Average total assets | $4,637,130,800 | 244 |
Average earning assets | $4,405,849,400 | 234 |
Average equity | $454,499,800 | 267 |
Average total loans | $3,954,413,600 | 210 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6497% | 2,569 |
Cost of funding earning assets | 0.9450% | 2,011 |
Net interest margin | 3.7047% | 2,905 |
Noninterest income to average assets | 1.0067% | 925 |
Noninterest expense to average assets | 2.5060% | 3,421 |
Loan and lease loss provision to assets | 0.1384% | 1,396 |
Net operating income to assets | 1.4366% | 1,365 |
Return on assets (ROA) | 1.4366% | 1,419 |
Pretax return on assets | 1.8809% | 908 |
Return on Equity (ROE) | 14.8602% | 806 |
Retained earnings to average equity (ytd only) | 12.1822% | 363 |
Net charge-offs to loans | 0.0672% | 1,865 |
Credit loss provision to net charge-offs | 241.3273% | 1,126 |
Earnings coverage of net charge-offs (x) | 35.1996% | 1,476 |
Efficiency ratio | 55.3777% | 4,234 |
Assets per employee ($millions) | 5.6670% | 1,873 |
Cash dividends to net income (ytd only)* | 18.0212% | 3,115 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0469% | 3,306 |
Loan loss allowance to noncurrent loans | 1,085.5694% | 548 |
Noncurrent assets plus other real estate owned to assets | 0.3002% | 3,345 |
Noncurrent loans to loans | 0.0964% | 4,213 |
Net loans and leases to total assets | 84.0879% | 345 |
Net loans and leases to deposits | 104.6052% | 380 |
Net loans and leases to core deposits | 120.5373% | 523 |
Total domestic deposits to total assets | 80.3860% | 3,895 |
Equity capital to assets | 9.8117% | 4,199 |
Core capital (leverage) ratio | 9.7403% | 3,921 |
Tier 1 risk-based capital ratio | 11.2573% | 4,786 |
Total risk-based capital ratio | 12.2936% | 4,780 |
Memoranda: | ||
Average total assets | $4,622,741,000 | 248 |
Average earning assets | $4,390,456,250 | 236 |
Average equity | $446,891,500 | 272 |
Average total loans | $3,944,388,500 | 210 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6376% | 2,551 |
Cost of funding earning assets | 0.9324% | 1,996 |
Net interest margin | 3.7052% | 2,917 |
Noninterest income to average assets | 0.9330% | 996 |
Noninterest expense to average assets | 2.5125% | 3,434 |
Loan and lease loss provision to assets | 0.1579% | 1,147 |
Net operating income to assets | 1.3695% | 1,520 |
Return on assets (ROA) | 1.3695% | 1,578 |
Pretax return on assets | 1.7885% | 1,064 |
Return on Equity (ROE) | 14.2408% | 925 |
Retained earnings to average equity (ytd only) | 11.5115% | 481 |
Net charge-offs to loans | 0.0902% | 1,461 |
Credit loss provision to net charge-offs | 204.7782% | 1,185 |
Earnings coverage of net charge-offs (x) | 25.2429% | 1,600 |
Efficiency ratio | 56.3476% | 4,208 |
Assets per employee ($millions) | 5.5755% | 1,899 |
Cash dividends to net income (ytd only)* | 19.1654% | 3,045 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0419% | 3,383 |
Loan loss allowance to noncurrent loans | 818.0485% | 688 |
Noncurrent assets plus other real estate owned to assets | 0.6209% | 2,168 |
Noncurrent loans to loans | 0.1274% | 4,105 |
Net loans and leases to total assets | 83.7456% | 379 |
Net loans and leases to deposits | 105.6365% | 356 |
Net loans and leases to core deposits | 121.8057% | 494 |
Total domestic deposits to total assets | 79.2771% | 4,165 |
Equity capital to assets | 9.5887% | 4,322 |
Core capital (leverage) ratio | 9.7745% | 3,850 |
Tier 1 risk-based capital ratio | 10.9682% | 4,923 |
Total risk-based capital ratio | 11.9893% | 4,938 |
Memoranda: | ||
Average total assets | $4,559,905,000 | 249 |
Average earning assets | $4,339,156,670 | 236 |
Average equity | $438,499,670 | 275 |
Average total loans | $3,896,357,330 | 215 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6171% | 2,476 |
Cost of funding earning assets | 0.8916% | 2,047 |
Net interest margin | 3.7255% | 2,799 |
Noninterest income to average assets | 0.9824% | 847 |
Noninterest expense to average assets | 2.5892% | 3,245 |
Loan and lease loss provision to assets | 0.1612% | 1,047 |
Net operating income to assets | 1.3668% | 1,465 |
Return on assets (ROA) | 1.3668% | 1,508 |
Pretax return on assets | 1.7846% | 1,010 |
Return on Equity (ROE) | 14.1920% | 925 |
Retained earnings to average equity (ytd only) | 11.4105% | 721 |
Net charge-offs to loans | 0.1839% | 756 |
Credit loss provision to net charge-offs | 102.0408% | 1,551 |
Earnings coverage of net charge-offs (x) | 12.3197% | 1,874 |
Efficiency ratio | 57.0938% | 4,204 |
Assets per employee ($millions) | 5.4709% | 2,008 |
Cash dividends to net income (ytd only)* | 19.5991% | 2,474 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0334% | 3,506 |
Loan loss allowance to noncurrent loans | 272.4173% | 1,704 |
Noncurrent assets plus other real estate owned to assets | 0.7312% | 1,916 |
Noncurrent loans to loans | 0.3793% | 3,230 |
Net loans and leases to total assets | 85.0368% | 273 |
Net loans and leases to deposits | 104.1369% | 389 |
Net loans and leases to core deposits | 124.2466% | 419 |
Total domestic deposits to total assets | 81.6586% | 3,814 |
Equity capital to assets | 9.7251% | 4,065 |
Core capital (leverage) ratio | 9.9591% | 3,648 |
Tier 1 risk-based capital ratio | 11.0850% | 4,935 |
Total risk-based capital ratio | 12.1018% | 4,944 |
Memoranda: | ||
Average total assets | $4,467,501,000 | 252 |
Average earning assets | $4,260,201,000 | 240 |
Average equity | $430,272,000 | 277 |
Average total loans | $3,836,874,500 | 219 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4351% | 2,649 |
Cost of funding earning assets | 0.6439% | 2,434 |
Net interest margin | 3.7912% | 2,693 |
Noninterest income to average assets | 1.1023% | 761 |
Noninterest expense to average assets | 2.7073% | 3,001 |
Loan and lease loss provision to assets | 0.2008% | 944 |
Net operating income to assets | 1.3917% | 1,458 |
Return on assets (ROA) | 1.3822% | 1,483 |
Pretax return on assets | 1.7962% | 934 |
Return on Equity (ROE) | 14.3843% | 962 |
Retained earnings to average equity (ytd only) | 11.3718% | 387 |
Net charge-offs to loans | 0.1193% | 1,546 |
Credit loss provision to net charge-offs | 196.8691% | 1,467 |
Earnings coverage of net charge-offs (x) | 19.6992% | 2,045 |
Efficiency ratio | 57.4051% | 4,231 |
Assets per employee ($millions) | 5.3987% | 2,061 |
Cash dividends to net income (ytd only)* | 20.9428% | 3,442 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0524% | 3,365 |
Loan loss allowance to noncurrent loans | 232.3148% | 2,000 |
Noncurrent assets plus other real estate owned to assets | 0.8038% | 1,735 |
Noncurrent loans to loans | 0.4530% | 2,913 |
Net loans and leases to total assets | 84.9394% | 319 |
Net loans and leases to deposits | 106.0335% | 369 |
Net loans and leases to core deposits | 124.1302% | 439 |
Total domestic deposits to total assets | 80.1062% | 4,081 |
Equity capital to assets | 9.5355% | 4,096 |
Core capital (leverage) ratio | 9.7603% | 3,847 |
Tier 1 risk-based capital ratio | 11.0529% | 4,955 |
Total risk-based capital ratio | 12.0951% | 4,934 |
Memoranda: | ||
Average total assets | $4,134,329,400 | 257 |
Average earning assets | $3,940,960,800 | 246 |
Average equity | $397,280,200 | 279 |
Average total loans | $3,534,259,800 | 225 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3468% | 2,801 |
Cost of funding earning assets | 0.5813% | 2,624 |
Net interest margin | 3.7655% | 2,769 |
Noninterest income to average assets | 1.1193% | 749 |
Noninterest expense to average assets | 2.7329% | 2,866 |
Loan and lease loss provision to assets | 0.1806% | 1,005 |
Net operating income to assets | 1.3666% | 1,601 |
Return on assets (ROA) | 1.3667% | 1,603 |
Pretax return on assets | 1.7946% | 1,024 |
Return on Equity (ROE) | 14.1930% | 1,065 |
Retained earnings to average equity (ytd only) | 11.1327% | 619 |
Net charge-offs to loans | 0.1241% | 1,271 |
Credit loss provision to net charge-offs | 170.4369% | 1,564 |
Earnings coverage of net charge-offs (x) | 18.6427% | 2,040 |
Efficiency ratio | 58.0486% | 4,115 |
Assets per employee ($millions) | 5.2178% | 2,206 |
Cash dividends to net income (ytd only)* | 21.5619% | 2,947 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0509% | 3,457 |
Loan loss allowance to noncurrent loans | 236.1578% | 1,975 |
Noncurrent assets plus other real estate owned to assets | 0.4631% | 2,837 |
Noncurrent loans to loans | 0.4450% | 3,059 |
Net loans and leases to total assets | 84.8548% | 371 |
Net loans and leases to deposits | 102.3068% | 628 |
Net loans and leases to core deposits | 120.6174% | 559 |
Total domestic deposits to total assets | 82.9414% | 3,327 |
Equity capital to assets | 9.5721% | 4,015 |
Core capital (leverage) ratio | 9.8741% | 3,770 |
Tier 1 risk-based capital ratio | 11.3411% | 4,877 |
Total risk-based capital ratio | 12.3931% | 4,872 |
Memoranda: | ||
Average total assets | $4,061,168,750 | 261 |
Average earning assets | $3,870,530,750 | 248 |
Average equity | $391,067,000 | 280 |
Average total loans | $3,467,765,500 | 227 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2551% | 2,924 |
Cost of funding earning assets | 0.5186% | 2,856 |
Net interest margin | 3.7365% | 2,805 |
Noninterest income to average assets | 1.0887% | 814 |
Noninterest expense to average assets | 2.6889% | 3,048 |
Loan and lease loss provision to assets | 0.1999% | 860 |
Net operating income to assets | 1.3421% | 1,630 |
Return on assets (ROA) | 1.3421% | 1,638 |
Pretax return on assets | 1.7619% | 1,067 |
Return on Equity (ROE) | 13.9086% | 1,097 |
Retained earnings to average equity (ytd only) | 10.8100% | 706 |
Net charge-offs to loans | 0.1906% | 819 |
Credit loss provision to net charge-offs | 122.9634% | 1,772 |
Earnings coverage of net charge-offs (x) | 12.0689% | 2,228 |
Efficiency ratio | 57.8176% | 4,262 |
Assets per employee ($millions) | 5.0794% | 2,316 |
Cash dividends to net income (ytd only)* | 22.2785% | 2,922 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0412% | 3,585 |
Loan loss allowance to noncurrent loans | 217.0407% | 2,133 |
Noncurrent assets plus other real estate owned to assets | 0.5001% | 2,757 |
Noncurrent loans to loans | 0.4797% | 2,997 |
Net loans and leases to total assets | 84.8866% | 367 |
Net loans and leases to deposits | 104.9236% | 487 |
Net loans and leases to core deposits | 117.6006% | 648 |
Total domestic deposits to total assets | 80.9032% | 4,021 |
Equity capital to assets | 9.6304% | 3,980 |
Core capital (leverage) ratio | 9.9875% | 3,595 |
Tier 1 risk-based capital ratio | 11.2823% | 4,906 |
Total risk-based capital ratio | 12.3166% | 4,910 |
Memoranda: | ||
Average total assets | $4,002,603,330 | 263 |
Average earning assets | $3,815,531,330 | 250 |
Average equity | $386,236,330 | 283 |
Average total loans | $3,412,566,000 | 226 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1616% | 3,022 |
Cost of funding earning assets | 0.4821% | 2,939 |
Net interest margin | 3.6795% | 2,884 |
Noninterest income to average assets | 1.0219% | 878 |
Noninterest expense to average assets | 2.6406% | 3,217 |
Loan and lease loss provision to assets | 0.1771% | 979 |
Net operating income to assets | 1.3077% | 1,618 |
Return on assets (ROA) | 1.3077% | 1,623 |
Pretax return on assets | 1.7157% | 1,074 |
Return on Equity (ROE) | 13.5383% | 1,127 |
Retained earnings to average equity (ytd only) | 10.4031% | 1,042 |
Net charge-offs to loans | 0.2704% | 576 |
Credit loss provision to net charge-offs | 77.0925% | 1,771 |
Earnings coverage of net charge-offs (x) | 8.2379% | 2,046 |
Efficiency ratio | 58.2477% | 4,310 |
Assets per employee ($millions) | 5.0466% | 2,431 |
Cash dividends to net income (ytd only)* | 23.1579% | 2,323 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0553% | 3,630 |
Loan loss allowance to noncurrent loans | 162.3647% | 2,615 |
Noncurrent assets plus other real estate owned to assets | 0.6349% | 2,414 |
Noncurrent loans to loans | 0.6499% | 2,601 |
Net loans and leases to total assets | 83.8648% | 451 |
Net loans and leases to deposits | 101.2969% | 625 |
Net loans and leases to core deposits | 113.8230% | 813 |
Total domestic deposits to total assets | 82.7911% | 3,724 |
Equity capital to assets | 9.7270% | 3,861 |
Core capital (leverage) ratio | 9.9618% | 3,577 |
Tier 1 risk-based capital ratio | 11.4764% | 4,872 |
Total risk-based capital ratio | 12.5208% | 4,887 |
Memoranda: | ||
Average total assets | $3,951,828,500 | 265 |
Average earning assets | $3,771,351,000 | 253 |
Average equity | $381,731,000 | 289 |
Average total loans | $3,358,583,500 | 226 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9946% | 3,420 |
Cost of funding earning assets | 0.3541% | 3,670 |
Net interest margin | 3.6405% | 3,024 |
Noninterest income to average assets | 1.1374% | 786 |
Noninterest expense to average assets | 2.7810% | 2,844 |
Loan and lease loss provision to assets | 0.1330% | 1,725 |
Net operating income to assets | 1.0328% | 2,114 |
Return on assets (ROA) | 1.0328% | 2,146 |
Pretax return on assets | 1.6883% | 1,036 |
Return on Equity (ROE) | 10.4716% | 1,687 |
Retained earnings to average equity (ytd only) | 7.2900% | 985 |
Net charge-offs to loans | 0.0385% | 3,027 |
Credit loss provision to net charge-offs | 407.0248% | 750 |
Earnings coverage of net charge-offs (x) | 55.7182% | 1,009 |
Efficiency ratio | 60.4265% | 4,194 |
Assets per employee ($millions) | 5.0865% | 2,375 |
Cash dividends to net income (ytd only)* | 30.3829% | 3,291 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0676% | 3,511 |
Loan loss allowance to noncurrent loans | 145.0634% | 2,861 |
Noncurrent assets plus other real estate owned to assets | 0.7097% | 2,198 |
Noncurrent loans to loans | 0.7359% | 2,367 |
Net loans and leases to total assets | 84.3077% | 418 |
Net loans and leases to deposits | 104.6575% | 462 |
Net loans and leases to core deposits | 118.0865% | 649 |
Total domestic deposits to total assets | 80.5558% | 4,231 |
Equity capital to assets | 9.5920% | 4,152 |
Core capital (leverage) ratio | 9.7833% | 3,713 |
Tier 1 risk-based capital ratio | 11.8180% | 4,648 |
Total risk-based capital ratio | 12.9379% | 4,614 |
Memoranda: | ||
Average total assets | $3,701,677,000 | 265 |
Average earning assets | $3,523,209,400 | 257 |
Average equity | $365,100,800 | 284 |
Average total loans | $3,139,628,000 | 233 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9409% | 3,548 |
Cost of funding earning assets | 0.3271% | 3,873 |
Net interest margin | 3.6138% | 3,095 |
Noninterest income to average assets | 1.1262% | 798 |
Noninterest expense to average assets | 2.7420% | 2,921 |
Loan and lease loss provision to assets | 0.1438% | 1,466 |
Net operating income to assets | 1.0867% | 2,143 |
Return on assets (ROA) | 1.0867% | 2,205 |
Pretax return on assets | 1.6773% | 1,175 |
Return on Equity (ROE) | 10.9362% | 1,728 |
Retained earnings to average equity (ytd only) | 7.6926% | 1,349 |
Net charge-offs to loans | 0.0381% | 2,676 |
Credit loss provision to net charge-offs | 445.5165% | 709 |
Earnings coverage of net charge-offs (x) | 56.4357% | 1,031 |
Efficiency ratio | 60.0918% | 4,195 |
Assets per employee ($millions) | 4.8837% | 2,592 |
Cash dividends to net income (ytd only)* | 29.6596% | 2,763 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0943% | 3,515 |
Loan loss allowance to noncurrent loans | 150.8411% | 2,773 |
Noncurrent assets plus other real estate owned to assets | 0.7210% | 2,349 |
Noncurrent loans to loans | 0.7254% | 2,544 |
Net loans and leases to total assets | 84.4790% | 388 |
Net loans and leases to deposits | 101.8514% | 625 |
Net loans and leases to core deposits | 115.3894% | 770 |
Total domestic deposits to total assets | 82.9434% | 3,473 |
Equity capital to assets | 9.9172% | 4,016 |
Core capital (leverage) ratio | 9.9940% | 3,571 |
Tier 1 risk-based capital ratio | 11.8330% | 4,745 |
Total risk-based capital ratio | 12.9502% | 4,714 |
Memoranda: | ||
Average total assets | $3,640,324,250 | 268 |
Average earning assets | $3,462,140,750 | 262 |
Average equity | $361,724,750 | 286 |
Average total loans | $3,083,633,000 | 235 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8629% | 3,673 |
Cost of funding earning assets | 0.2912% | 4,176 |
Net interest margin | 3.5717% | 3,142 |
Noninterest income to average assets | 1.1324% | 778 |
Noninterest expense to average assets | 2.7278% | 2,985 |
Loan and lease loss provision to assets | 0.1348% | 1,543 |
Net operating income to assets | 1.0768% | 2,094 |
Return on assets (ROA) | 1.0768% | 2,142 |
Pretax return on assets | 1.6662% | 1,135 |
Return on Equity (ROE) | 10.8291% | 1,705 |
Retained earnings to average equity (ytd only) | 7.3057% | 1,449 |
Net charge-offs to loans | 0.0365% | 2,465 |
Credit loss provision to net charge-offs | 436.9369% | 737 |
Earnings coverage of net charge-offs (x) | 58.3622% | 972 |
Efficiency ratio | 60.2325% | 4,285 |
Assets per employee ($millions) | 4.8962% | 2,515 |
Cash dividends to net income (ytd only)* | 32.5364% | 2,683 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0668% | 3,754 |
Loan loss allowance to noncurrent loans | 237.3632% | 1,918 |
Noncurrent assets plus other real estate owned to assets | 0.4977% | 3,100 |
Noncurrent loans to loans | 0.4494% | 3,400 |
Net loans and leases to total assets | 84.3381% | 408 |
Net loans and leases to deposits | 106.2737% | 388 |
Net loans and leases to core deposits | 115.4633% | 741 |
Total domestic deposits to total assets | 79.3593% | 4,542 |
Equity capital to assets | 9.7693% | 4,151 |
Core capital (leverage) ratio | 10.0858% | 3,422 |
Tier 1 risk-based capital ratio | 11.7562% | 4,797 |
Total risk-based capital ratio | 12.8521% | 4,776 |
Memoranda: | ||
Average total assets | $3,597,028,670 | 273 |
Average earning assets | $3,420,510,330 | 265 |
Average equity | $357,666,330 | 292 |
Average total loans | $3,038,085,670 | 240 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8017% | 3,760 |
Cost of funding earning assets | 0.2698% | 4,357 |
Net interest margin | 3.5318% | 3,156 |
Noninterest income to average assets | 1.0659% | 882 |
Noninterest expense to average assets | 2.7147% | 3,089 |
Loan and lease loss provision to assets | 0.0483% | 2,849 |
Net operating income to assets | 1.0706% | 1,979 |
Return on assets (ROA) | 1.0706% | 2,025 |
Pretax return on assets | 1.6592% | 1,094 |
Return on Equity (ROE) | 10.6682% | 1,680 |
Retained earnings to average equity (ytd only) | 7.4425% | 1,673 |
Net charge-offs to loans | 0.0265% | 2,226 |
Credit loss provision to net charge-offs | 216.8367% | 962 |
Earnings coverage of net charge-offs (x) | 76.7194% | 674 |
Efficiency ratio | 61.3891% | 4,245 |
Assets per employee ($millions) | 4.7871% | 2,720 |
Cash dividends to net income (ytd only)* | 30.2365% | 2,310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0877% | 3,779 |
Loan loss allowance to noncurrent loans | 395.7886% | 1,272 |
Noncurrent assets plus other real estate owned to assets | 0.3655% | 3,739 |
Noncurrent loans to loans | 0.2748% | 4,123 |
Net loans and leases to total assets | 82.7846% | 483 |
Net loans and leases to deposits | 100.7926% | 564 |
Net loans and leases to core deposits | 109.8656% | 886 |
Total domestic deposits to total assets | 82.1336% | 4,135 |
Equity capital to assets | 10.0704% | 3,668 |
Core capital (leverage) ratio | 10.3007% | 3,107 |
Tier 1 risk-based capital ratio | 12.1975% | 4,584 |
Total risk-based capital ratio | 13.2993% | 4,575 |
Memoranda: | ||
Average total assets | $3,522,728,000 | 279 |
Average earning assets | $3,347,598,000 | 271 |
Average equity | $353,538,000 | 294 |
Average total loans | $2,960,599,500 | 242 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7308% | 4,122 |
Cost of funding earning assets | 0.2290% | 4,748 |
Net interest margin | 3.5017% | 3,425 |
Noninterest income to average assets | 1.2370% | 742 |
Noninterest expense to average assets | 2.7544% | 3,174 |
Loan and lease loss provision to assets | 0.0992% | 2,397 |
Net operating income to assets | 1.0797% | 1,985 |
Return on assets (ROA) | 1.0805% | 2,086 |
Pretax return on assets | 1.6889% | 1,028 |
Return on Equity (ROE) | 10.8244% | 1,646 |
Retained earnings to average equity (ytd only) | 7.2198% | 1,147 |
Net charge-offs to loans | 0.0310% | 3,398 |
Credit loss provision to net charge-offs | 381.9444% | 825 |
Earnings coverage of net charge-offs (x) | 68.7940% | 805 |
Efficiency ratio | 60.6519% | 4,482 |
Assets per employee ($millions) | 4.7659% | 2,695 |
Cash dividends to net income (ytd only)* | 33.3009% | 3,185 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0949% | 3,738 |
Loan loss allowance to noncurrent loans | 323.6879% | 1,533 |
Noncurrent assets plus other real estate owned to assets | 0.4112% | 3,628 |
Noncurrent loans to loans | 0.3383% | 3,927 |
Net loans and leases to total assets | 83.4743% | 435 |
Net loans and leases to deposits | 101.3981% | 574 |
Net loans and leases to core deposits | 109.2670% | 945 |
Total domestic deposits to total assets | 82.3233% | 3,983 |
Equity capital to assets | 10.0006% | 3,724 |
Core capital (leverage) ratio | 10.0081% | 3,470 |
Tier 1 risk-based capital ratio | 11.9034% | 4,792 |
Total risk-based capital ratio | 13.0004% | 4,797 |
Memoranda: | ||
Average total assets | $3,326,258,600 | 282 |
Average earning assets | $3,138,737,000 | 273 |
Average equity | $332,017,400 | 297 |
Average total loans | $2,783,959,600 | 242 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7181% | 4,192 |
Cost of funding earning assets | 0.2230% | 4,854 |
Net interest margin | 3.4952% | 3,487 |
Noninterest income to average assets | 1.2794% | 712 |
Noninterest expense to average assets | 2.7639% | 3,129 |
Loan and lease loss provision to assets | 0.1298% | 1,806 |
Net operating income to assets | 1.0712% | 2,112 |
Return on assets (ROA) | 1.0722% | 2,217 |
Pretax return on assets | 1.6818% | 1,169 |
Return on Equity (ROE) | 10.7475% | 1,765 |
Retained earnings to average equity (ytd only) | 7.0121% | 1,626 |
Net charge-offs to loans | 0.0331% | 2,978 |
Credit loss provision to net charge-offs | 469.8972% | 747 |
Earnings coverage of net charge-offs (x) | 65.5211% | 900 |
Efficiency ratio | 60.4278% | 4,477 |
Assets per employee ($millions) | 4.7461% | 2,678 |
Cash dividends to net income (ytd only)* | 34.7558% | 2,606 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1216% | 3,725 |
Loan loss allowance to noncurrent loans | 207.2227% | 2,186 |
Noncurrent assets plus other real estate owned to assets | 0.5677% | 3,206 |
Noncurrent loans to loans | 0.5412% | 3,371 |
Net loans and leases to total assets | 82.3550% | 569 |
Net loans and leases to deposits | 104.7995% | 421 |
Net loans and leases to core deposits | 111.1051% | 859 |
Total domestic deposits to total assets | 78.5834% | 4,812 |
Equity capital to assets | 9.8701% | 4,280 |
Core capital (leverage) ratio | 10.0563% | 3,496 |
Tier 1 risk-based capital ratio | 12.1422% | 4,705 |
Total risk-based capital ratio | 13.3015% | 4,661 |
Memoranda: | ||
Average total assets | $3,286,861,250 | 282 |
Average earning assets | $3,098,191,250 | 273 |
Average equity | $327,920,000 | 299 |
Average total loans | $2,744,871,250 | 243 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7187% | 4,232 |
Cost of funding earning assets | 0.2153% | 4,991 |
Net interest margin | 3.5034% | 3,480 |
Noninterest income to average assets | 1.2850% | 694 |
Noninterest expense to average assets | 2.7504% | 3,197 |
Loan and lease loss provision to assets | 0.1424% | 1,595 |
Net operating income to assets | 1.0824% | 2,026 |
Return on assets (ROA) | 1.0824% | 2,161 |
Pretax return on assets | 1.6959% | 1,101 |
Return on Equity (ROE) | 10.8082% | 1,719 |
Retained earnings to average equity (ytd only) | 6.8484% | 1,692 |
Net charge-offs to loans | 0.0335% | 2,781 |
Credit loss provision to net charge-offs | 507.7263% | 642 |
Earnings coverage of net charge-offs (x) | 65.5541% | 826 |
Efficiency ratio | 59.9385% | 4,648 |
Assets per employee ($millions) | 4.6682% | 2,768 |
Cash dividends to net income (ytd only)* | 36.6371% | 2,571 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1188% | 3,846 |
Loan loss allowance to noncurrent loans | 204.9079% | 2,232 |
Noncurrent assets plus other real estate owned to assets | 0.4572% | 3,681 |
Noncurrent loans to loans | 0.5460% | 3,432 |
Net loans and leases to total assets | 82.6459% | 558 |
Net loans and leases to deposits | 101.8485% | 572 |
Net loans and leases to core deposits | 108.1634% | 1,032 |
Total domestic deposits to total assets | 81.1460% | 4,231 |
Equity capital to assets | 9.9342% | 4,305 |
Core capital (leverage) ratio | 10.1234% | 3,420 |
Tier 1 risk-based capital ratio | 11.5592% | 5,114 |
Total risk-based capital ratio | 12.6600% | 5,104 |
Memoranda: | ||
Average total assets | $3,230,755,670 | 282 |
Average earning assets | $3,046,677,670 | 276 |
Average equity | $323,550,670 | 301 |
Average total loans | $2,700,565,000 | 245 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7267% | 4,224 |
Cost of funding earning assets | 0.2119% | 5,086 |
Net interest margin | 3.5147% | 3,409 |
Noninterest income to average assets | 1.1217% | 867 |
Noninterest expense to average assets | 2.6990% | 3,421 |
Loan and lease loss provision to assets | 0.1267% | 1,672 |
Net operating income to assets | 1.0286% | 2,164 |
Return on assets (ROA) | 1.0286% | 2,283 |
Pretax return on assets | 1.6104% | 1,266 |
Return on Equity (ROE) | 10.2265% | 1,889 |
Retained earnings to average equity (ytd only) | 6.1906% | 2,283 |
Net charge-offs to loans | 0.0227% | 2,479 |
Credit loss provision to net charge-offs | 666.6667% | 493 |
Earnings coverage of net charge-offs (x) | 91.3800% | 575 |
Efficiency ratio | 60.8416% | 4,625 |
Assets per employee ($millions) | 4.5421% | 2,998 |
Cash dividends to net income (ytd only)* | 39.4653% | 2,092 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1537% | 3,744 |
Loan loss allowance to noncurrent loans | 177.3863% | 2,447 |
Noncurrent assets plus other real estate owned to assets | 0.5501% | 3,415 |
Noncurrent loans to loans | 0.6504% | 3,221 |
Net loans and leases to total assets | 82.3623% | 518 |
Net loans and leases to deposits | 100.8481% | 573 |
Net loans and leases to core deposits | 106.9202% | 1,023 |
Total domestic deposits to total assets | 81.6696% | 4,314 |
Equity capital to assets | 10.0777% | 3,977 |
Core capital (leverage) ratio | 10.3150% | 3,174 |
Tier 1 risk-based capital ratio | 11.9195% | 4,962 |
Total risk-based capital ratio | 13.0660% | 4,938 |
Memoranda: | ||
Average total assets | $3,156,236,500 | 286 |
Average earning assets | $2,976,371,500 | 277 |
Average equity | $317,449,000 | 304 |
Average total loans | $2,638,414,000 | 248 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8454% | 3,901 |
Cost of funding earning assets | 0.1954% | 5,321 |
Net interest margin | 3.6500% | 2,938 |
Noninterest income to average assets | 1.4538% | 578 |
Noninterest expense to average assets | 2.9680% | 2,651 |
Loan and lease loss provision to assets | 0.1283% | 1,878 |
Net operating income to assets | 1.1168% | 1,848 |
Return on assets (ROA) | 1.1167% | 1,913 |
Pretax return on assets | 1.7929% | 817 |
Return on Equity (ROE) | 10.6141% | 1,751 |
Retained earnings to average equity (ytd only) | 6.7506% | 1,406 |
Net charge-offs to loans | 0.0584% | 3,045 |
Credit loss provision to net charge-offs | 263.9087% | 1,095 |
Earnings coverage of net charge-offs (x) | 39.5214% | 1,193 |
Efficiency ratio | 60.7037% | 4,800 |
Assets per employee ($millions) | 4.4820% | 3,074 |
Cash dividends to net income (ytd only)* | 36.3992% | 3,027 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1342% | 3,840 |
Loan loss allowance to noncurrent loans | 181.5287% | 2,438 |
Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,482 |
Noncurrent loans to loans | 0.6248% | 3,314 |
Net loans and leases to total assets | 82.9173% | 494 |
Net loans and leases to deposits | 104.5710% | 413 |
Net loans and leases to core deposits | 109.6642% | 872 |
Total domestic deposits to total assets | 79.2929% | 4,906 |
Equity capital to assets | 10.0376% | 3,917 |
Core capital (leverage) ratio | 10.3921% | 3,061 |
Tier 1 risk-based capital ratio | 11.9177% | 5,011 |
Total risk-based capital ratio | 13.0497% | 4,988 |
Memoranda: | ||
Average total assets | $2,883,857,800 | 288 |
Average earning assets | $2,714,466,600 | 282 |
Average equity | $303,408,800 | 301 |
Average total loans | $2,398,836,600 | 250 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8841% | 3,799 |
Cost of funding earning assets | 0.1957% | 5,414 |
Net interest margin | 3.6884% | 2,814 |
Noninterest income to average assets | 1.4779% | 566 |
Noninterest expense to average assets | 3.0130% | 2,479 |
Loan and lease loss provision to assets | 0.1134% | 1,994 |
Net operating income to assets | 1.1336% | 1,884 |
Return on assets (ROA) | 1.1336% | 1,960 |
Pretax return on assets | 1.8210% | 860 |
Return on Equity (ROE) | 10.6391% | 1,849 |
Retained earnings to average equity (ytd only) | 6.5974% | 1,890 |
Net charge-offs to loans | 0.0281% | 3,381 |
Credit loss provision to net charge-offs | 485.8300% | 667 |
Earnings coverage of net charge-offs (x) | 82.8988% | 722 |
Efficiency ratio | 60.9013% | 4,753 |
Assets per employee ($millions) | 4.1459% | 3,628 |
Cash dividends to net income (ytd only)* | 37.9891% | 2,410 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2038% | 3,634 |
Loan loss allowance to noncurrent loans | 211.9065% | 2,148 |
Noncurrent assets plus other real estate owned to assets | 0.5272% | 3,733 |
Noncurrent loans to loans | 0.5681% | 3,633 |
Net loans and leases to total assets | 82.5767% | 515 |
Net loans and leases to deposits | 101.3961% | 587 |
Net loans and leases to core deposits | 105.8481% | 1,110 |
Total domestic deposits to total assets | 81.4398% | 4,353 |
Equity capital to assets | 10.5908% | 3,489 |
Core capital (leverage) ratio | 10.8462% | 2,650 |
Tier 1 risk-based capital ratio | 12.6165% | 4,670 |
Total risk-based capital ratio | 13.8206% | 4,604 |
Memoranda: | ||
Average total assets | $2,822,715,500 | 298 |
Average earning assets | $2,655,177,000 | 290 |
Average equity | $300,756,250 | 308 |
Average total loans | $2,342,604,250 | 258 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8891% | 3,734 |
Cost of funding earning assets | 0.1968% | 5,462 |
Net interest margin | 3.6922% | 2,747 |
Noninterest income to average assets | 1.3027% | 717 |
Noninterest expense to average assets | 2.9613% | 2,676 |
Loan and lease loss provision to assets | 0.1003% | 2,153 |
Net operating income to assets | 1.0686% | 2,062 |
Return on assets (ROA) | 1.0686% | 2,165 |
Pretax return on assets | 1.7134% | 1,057 |
Return on Equity (ROE) | 10.0084% | 2,065 |
Retained earnings to average equity (ytd only) | 5.7556% | 2,377 |
Net charge-offs to loans | 0.0276% | 3,117 |
Credit loss provision to net charge-offs | 438.8715% | 690 |
Earnings coverage of net charge-offs (x) | 79.3323% | 711 |
Efficiency ratio | 62.0175% | 4,676 |
Assets per employee ($millions) | 4.0310% | 3,823 |
Cash dividends to net income (ytd only)* | 42.4921% | 2,282 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2147% | 3,706 |
Loan loss allowance to noncurrent loans | 173.6493% | 2,495 |
Noncurrent assets plus other real estate owned to assets | 0.7209% | 3,229 |
Noncurrent loans to loans | 0.6995% | 3,391 |
Net loans and leases to total assets | 81.1013% | 652 |
Net loans and leases to deposits | 96.9400% | 879 |
Net loans and leases to core deposits | 101.4972% | 1,362 |
Total domestic deposits to total assets | 83.6614% | 3,709 |
Equity capital to assets | 10.5424% | 3,395 |
Core capital (leverage) ratio | 10.6755% | 2,763 |
Tier 1 risk-based capital ratio | 12.9657% | 4,539 |
Total risk-based capital ratio | 14.1935% | 4,468 |
Memoranda: | ||
Average total assets | $2,790,721,670 | 297 |
Average earning assets | $2,624,479,330 | 291 |
Average equity | $297,970,330 | 312 |
Average total loans | $2,310,295,670 | 261 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8884% | 3,671 |
Cost of funding earning assets | 0.1994% | 5,518 |
Net interest margin | 3.6890% | 2,661 |
Noninterest income to average assets | 1.2563% | 723 |
Noninterest expense to average assets | 2.9121% | 2,867 |
Loan and lease loss provision to assets | 0.0871% | 2,238 |
Net operating income to assets | 1.0734% | 1,960 |
Return on assets (ROA) | 1.0735% | 2,079 |
Pretax return on assets | 1.7222% | 1,008 |
Return on Equity (ROE) | 9.9887% | 2,013 |
Retained earnings to average equity (ytd only) | 6.1845% | 2,384 |
Net charge-offs to loans | 0.0120% | 2,948 |
Credit loss provision to net charge-offs | 869.5652% | 364 |
Earnings coverage of net charge-offs (x) | 180.5942% | 308 |
Efficiency ratio | 61.6809% | 4,847 |
Assets per employee ($millions) | 4.0329% | 3,894 |
Cash dividends to net income (ytd only)* | 38.0849% | 2,094 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2123% | 3,901 |
Loan loss allowance to noncurrent loans | 161.0159% | 2,638 |
Noncurrent assets plus other real estate owned to assets | 0.7719% | 3,179 |
Noncurrent loans to loans | 0.7529% | 3,379 |
Net loans and leases to total assets | 81.9689% | 463 |
Net loans and leases to deposits | 97.9703% | 678 |
Net loans and leases to core deposits | 102.5858% | 1,136 |
Total domestic deposits to total assets | 83.6670% | 3,949 |
Equity capital to assets | 10.7318% | 3,288 |
Core capital (leverage) ratio | 10.9559% | 2,451 |
Tier 1 risk-based capital ratio | 13.0444% | 4,579 |
Total risk-based capital ratio | 14.2722% | 4,503 |
Memoranda: | ||
Average total assets | $2,755,094,500 | 302 |
Average earning assets | $2,587,819,000 | 293 |
Average equity | $296,095,000 | 311 |
Average total loans | $2,290,622,500 | 261 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0786% | 3,406 |
Cost of funding earning assets | 0.2269% | 5,548 |
Net interest margin | 3.8517% | 2,424 |
Noninterest income to average assets | 1.3231% | 705 |
Noninterest expense to average assets | 2.9803% | 2,898 |
Loan and lease loss provision to assets | 0.1670% | 1,568 |
Net operating income to assets | 1.0859% | 2,027 |
Return on assets (ROA) | 1.2009% | 1,640 |
Pretax return on assets | 1.9414% | 576 |
Return on Equity (ROE) | 11.0773% | 1,703 |
Retained earnings to average equity (ytd only) | 7.4894% | 1,194 |
Net charge-offs to loans | 0.1085% | 2,964 |
Credit loss provision to net charge-offs | 185.3486% | 1,320 |
Earnings coverage of net charge-offs (x) | 21.4117% | 1,677 |
Efficiency ratio | 60.7108% | 5,113 |
Assets per employee ($millions) | 4.0588% | 3,812 |
Cash dividends to net income (ytd only)* | 32.3899% | 3,262 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2085% | 3,946 |
Loan loss allowance to noncurrent loans | 141.2333% | 2,939 |
Noncurrent assets plus other real estate owned to assets | 0.7823% | 3,251 |
Noncurrent loans to loans | 0.8557% | 3,174 |
Net loans and leases to total assets | 82.3045% | 491 |
Net loans and leases to deposits | 100.6567% | 588 |
Net loans and leases to core deposits | 104.2589% | 1,110 |
Total domestic deposits to total assets | 81.7676% | 4,500 |
Equity capital to assets | 10.7628% | 3,166 |
Core capital (leverage) ratio | 11.1826% | 2,233 |
Tier 1 risk-based capital ratio | 13.4702% | 4,432 |
Total risk-based capital ratio | 14.7204% | 4,371 |
Memoranda: | ||
Average total assets | $2,515,618,600 | 303 |
Average earning assets | $2,342,022,400 | 293 |
Average equity | $272,719,800 | 314 |
Average total loans | $2,089,235,200 | 263 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1036% | 3,355 |
Cost of funding earning assets | 0.2325% | 5,573 |
Net interest margin | 3.8712% | 2,347 |
Noninterest income to average assets | 1.3324% | 686 |
Noninterest expense to average assets | 3.0001% | 2,800 |
Loan and lease loss provision to assets | 0.1299% | 1,929 |
Net operating income to assets | 1.0876% | 2,084 |
Return on assets (ROA) | 1.2442% | 1,597 |
Pretax return on assets | 2.0455% | 517 |
Return on Equity (ROE) | 11.4539% | 1,644 |
Retained earnings to average equity (ytd only) | 7.8400% | 1,430 |
Net charge-offs to loans | 0.1006% | 2,799 |
Credit loss provision to net charge-offs | 155.6420% | 1,534 |
Earnings coverage of net charge-offs (x) | 23.1271% | 1,601 |
Efficiency ratio | 60.8433% | 5,069 |
Assets per employee ($millions) | 3.9715% | 3,947 |
Cash dividends to net income (ytd only)* | 31.5522% | 2,736 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2164% | 4,143 |
Loan loss allowance to noncurrent loans | 123.5090% | 3,159 |
Noncurrent assets plus other real estate owned to assets | 0.9077% | 3,174 |
Noncurrent loans to loans | 0.9849% | 3,107 |
Net loans and leases to total assets | 83.1287% | 389 |
Net loans and leases to deposits | 99.8849% | 621 |
Net loans and leases to core deposits | 102.6127% | 1,179 |
Total domestic deposits to total assets | 83.2245% | 4,058 |
Equity capital to assets | 11.2050% | 2,754 |
Core capital (leverage) ratio | 11.4650% | 2,089 |
Tier 1 risk-based capital ratio | 13.7291% | 4,402 |
Total risk-based capital ratio | 14.9792% | 4,333 |
Memoranda: | ||
Average total assets | $2,462,650,750 | 304 |
Average earning assets | $2,289,157,500 | 294 |
Average equity | $267,511,000 | 315 |
Average total loans | $2,043,467,250 | 263 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0980% | 3,350 |
Cost of funding earning assets | 0.2393% | 5,590 |
Net interest margin | 3.8587% | 2,342 |
Noninterest income to average assets | 1.3168% | 691 |
Noninterest expense to average assets | 3.0180% | 2,765 |
Loan and lease loss provision to assets | 0.0990% | 2,371 |
Net operating income to assets | 1.0594% | 2,085 |
Return on assets (ROA) | 1.2976% | 1,363 |
Pretax return on assets | 2.1528% | 402 |
Return on Equity (ROE) | 12.0801% | 1,397 |
Retained earnings to average equity (ytd only) | 8.4582% | 1,153 |
Net charge-offs to loans | 0.1079% | 2,595 |
Credit loss provision to net charge-offs | 111.1111% | 1,803 |
Earnings coverage of net charge-offs (x) | 21.0972% | 1,560 |
Efficiency ratio | 61.6214% | 5,060 |
Assets per employee ($millions) | 3.9047% | 4,049 |
Cash dividends to net income (ytd only)* | 29.9828% | 2,785 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2416% | 4,210 |
Loan loss allowance to noncurrent loans | 119.5562% | 3,218 |
Noncurrent assets plus other real estate owned to assets | 0.9447% | 3,175 |
Noncurrent loans to loans | 1.0385% | 3,158 |
Net loans and leases to total assets | 81.1216% | 559 |
Net loans and leases to deposits | 94.2083% | 946 |
Net loans and leases to core deposits | 96.5735% | 1,557 |
Total domestic deposits to total assets | 86.1088% | 2,991 |
Equity capital to assets | 10.6254% | 3,278 |
Core capital (leverage) ratio | 10.9071% | 2,521 |
Tier 1 risk-based capital ratio | 13.3660% | 4,674 |
Total risk-based capital ratio | 14.6165% | 4,619 |
Memoranda: | ||
Average total assets | $2,424,363,330 | 308 |
Average earning assets | $2,249,842,000 | 298 |
Average equity | $260,411,330 | 317 |
Average total loans | $2,001,610,670 | 264 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1548% | 3,054 |
Cost of funding earning assets | 0.2480% | 5,596 |
Net interest margin | 3.9068% | 2,062 |
Noninterest income to average assets | 1.2527% | 702 |
Noninterest expense to average assets | 3.1835% | 2,283 |
Loan and lease loss provision to assets | 0.0672% | 2,783 |
Net operating income to assets | 0.9169% | 2,565 |
Return on assets (ROA) | 1.4023% | 1,028 |
Pretax return on assets | 2.3829% | 269 |
Return on Equity (ROE) | 12.9810% | 1,167 |
Retained earnings to average equity (ytd only) | 9.4217% | 1,133 |
Net charge-offs to loans | 0.1818% | 1,631 |
Credit loss provision to net charge-offs | 44.6927% | 2,259 |
Earnings coverage of net charge-offs (x) | 11.2436% | 1,792 |
Efficiency ratio | 65.2988% | 4,642 |
Assets per employee ($millions) | 3.7911% | 4,344 |
Cash dividends to net income (ytd only)* | 27.4188% | 2,352 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2577% | 4,337 |
Loan loss allowance to noncurrent loans | 121.3271% | 3,137 |
Noncurrent assets plus other real estate owned to assets | 0.9980% | 3,273 |
Noncurrent loans to loans | 1.0366% | 3,352 |
Net loans and leases to total assets | 81.6326% | 383 |
Net loans and leases to deposits | 93.8336% | 810 |
Net loans and leases to core deposits | 96.4623% | 1,351 |
Total domestic deposits to total assets | 86.9971% | 2,812 |
Equity capital to assets | 10.8787% | 2,848 |
Core capital (leverage) ratio | 11.0213% | 2,368 |
Tier 1 risk-based capital ratio | 13.4934% | 4,681 |
Total risk-based capital ratio | 14.7439% | 4,624 |
Memoranda: | ||
Average total assets | $2,379,236,000 | 314 |
Average earning assets | $2,206,195,000 | 304 |
Average equity | $257,022,500 | 318 |
Average total loans | $1,969,643,500 | 260 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4300% | 2,469 |
Cost of funding earning assets | 0.3275% | 5,351 |
Net interest margin | 4.1025% | 1,626 |
Noninterest income to average assets | 1.4793% | 640 |
Noninterest expense to average assets | 3.1425% | 2,616 |
Loan and lease loss provision to assets | 0.1683% | 2,173 |
Net operating income to assets | 1.1750% | 1,665 |
Return on assets (ROA) | 1.2319% | 1,508 |
Pretax return on assets | 2.0238% | 452 |
Return on Equity (ROE) | 12.4591% | 1,294 |
Retained earnings to average equity (ytd only) | 9.1947% | 735 |
Net charge-offs to loans | 0.1516% | 3,286 |
Credit loss provision to net charge-offs | 136.3963% | 1,718 |
Earnings coverage of net charge-offs (x) | 17.0413% | 1,744 |
Efficiency ratio | 59.9052% | 5,487 |
Assets per employee ($millions) | 3.6679% | 4,555 |
Cash dividends to net income (ytd only)* | 26.2011% | 3,449 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3097% | 4,094 |
Loan loss allowance to noncurrent loans | 160.4803% | 2,524 |
Noncurrent assets plus other real estate owned to assets | 1.1200% | 3,160 |
Noncurrent loans to loans | 0.8161% | 3,933 |
Net loans and leases to total assets | 81.8140% | 428 |
Net loans and leases to deposits | 95.4870% | 768 |
Net loans and leases to core deposits | 98.3758% | 1,278 |
Total domestic deposits to total assets | 85.6808% | 3,411 |
Equity capital to assets | 10.7249% | 2,905 |
Core capital (leverage) ratio | 10.9083% | 2,467 |
Tier 1 risk-based capital ratio | 12.2846% | 5,438 |
Total risk-based capital ratio | 13.5287% | 5,369 |
Memoranda: | ||
Average total assets | $2,257,313,000 | 320 |
Average earning assets | $2,072,347,200 | 314 |
Average equity | $223,194,400 | 344 |
Average total loans | $1,837,263,400 | 269 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4513% | 2,414 |
Cost of funding earning assets | 0.3446% | 5,343 |
Net interest margin | 4.1067% | 1,613 |
Noninterest income to average assets | 1.5071% | 643 |
Noninterest expense to average assets | 3.1972% | 2,377 |
Loan and lease loss provision to assets | 0.1552% | 2,323 |
Net operating income to assets | 1.1530% | 1,796 |
Return on assets (ROA) | 1.2299% | 1,608 |
Pretax return on assets | 2.0367% | 535 |
Return on Equity (ROE) | 12.7221% | 1,312 |
Retained earnings to average equity (ytd only) | 9.6796% | 862 |
Net charge-offs to loans | 0.1903% | 2,701 |
Credit loss provision to net charge-offs | 100.6971% | 2,322 |
Earnings coverage of net charge-offs (x) | 13.4427% | 2,030 |
Efficiency ratio | 60.6813% | 5,330 |
Assets per employee ($millions) | 3.4968% | 4,857 |
Cash dividends to net income (ytd only)* | 23.9154% | 2,941 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3108% | 4,328 |
Loan loss allowance to noncurrent loans | 155.5485% | 2,470 |
Noncurrent assets plus other real estate owned to assets | 1.3148% | 3,016 |
Noncurrent loans to loans | 0.8427% | 4,141 |
Net loans and leases to total assets | 81.1324% | 439 |
Net loans and leases to deposits | 92.7959% | 916 |
Net loans and leases to core deposits | 95.7299% | 1,413 |
Total domestic deposits to total assets | 87.4310% | 2,448 |
Equity capital to assets | 9.8964% | 4,059 |
Core capital (leverage) ratio | 9.9491% | 3,745 |
Tier 1 risk-based capital ratio | 11.2755% | 6,162 |
Total risk-based capital ratio | 12.5211% | 6,126 |
Memoranda: | ||
Average total assets | $2,233,867,500 | 323 |
Average earning assets | $2,046,194,500 | 318 |
Average equity | $215,954,750 | 357 |
Average total loans | $1,809,316,250 | 270 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4382% | 2,427 |
Cost of funding earning assets | 0.3622% | 5,299 |
Net interest margin | 4.0760% | 1,613 |
Noninterest income to average assets | 1.5099% | 684 |
Noninterest expense to average assets | 3.1897% | 2,381 |
Loan and lease loss provision to assets | 0.1397% | 2,580 |
Net operating income to assets | 1.1234% | 1,844 |
Return on assets (ROA) | 1.2411% | 1,580 |
Pretax return on assets | 2.0898% | 503 |
Return on Equity (ROE) | 12.9427% | 1,257 |
Retained earnings to average equity (ytd only) | 10.7430% | 694 |
Net charge-offs to loans | 0.1538% | 2,870 |
Credit loss provision to net charge-offs | 112.7273% | 1,962 |
Earnings coverage of net charge-offs (x) | 16.5113% | 1,659 |
Efficiency ratio | 60.9270% | 5,347 |
Assets per employee ($millions) | 3.4828% | 4,889 |
Cash dividends to net income (ytd only)* | 16.9958% | 3,104 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3389% | 4,319 |
Loan loss allowance to noncurrent loans | 121.4911% | 2,991 |
Noncurrent assets plus other real estate owned to assets | 1.6797% | 2,595 |
Noncurrent loans to loans | 1.1021% | 3,727 |
Net loans and leases to total assets | 81.6127% | 383 |
Net loans and leases to deposits | 92.7147% | 905 |
Net loans and leases to core deposits | 95.5964% | 1,388 |
Total domestic deposits to total assets | 88.0257% | 2,228 |
Equity capital to assets | 9.8893% | 4,069 |
Core capital (leverage) ratio | 9.7103% | 3,922 |
Tier 1 risk-based capital ratio | 11.1140% | 6,289 |
Total risk-based capital ratio | 12.3644% | 6,261 |
Memoranda: | ||
Average total assets | $2,219,687,670 | 326 |
Average earning assets | $2,028,745,330 | 323 |
Average equity | $212,845,670 | 363 |
Average total loans | $1,788,610,330 | 273 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3921% | 2,549 |
Cost of funding earning assets | 0.3862% | 5,230 |
Net interest margin | 4.0059% | 1,756 |
Noninterest income to average assets | 1.4745% | 714 |
Noninterest expense to average assets | 3.2933% | 2,100 |
Loan and lease loss provision to assets | 0.1625% | 2,237 |
Net operating income to assets | 1.0398% | 2,073 |
Return on assets (ROA) | 1.2756% | 1,441 |
Pretax return on assets | 2.0337% | 558 |
Return on Equity (ROE) | 13.5163% | 1,054 |
Retained earnings to average equity (ytd only) | 13.5163% | 497 |
Net charge-offs to loans | 0.2106% | 2,156 |
Credit loss provision to net charge-offs | 97.0874% | 1,914 |
Earnings coverage of net charge-offs (x) | 10.9180% | 1,700 |
Efficiency ratio | 64.3099% | 4,960 |
Assets per employee ($millions) | 3.6269% | 4,720 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3960% | 4,252 |
Loan loss allowance to noncurrent loans | 122.6151% | 2,832 |
Noncurrent assets plus other real estate owned to assets | 1.9445% | 2,416 |
Noncurrent loans to loans | 1.1385% | 3,881 |
Net loans and leases to total assets | 77.6595% | 650 |
Net loans and leases to deposits | 88.4595% | 1,101 |
Net loans and leases to core deposits | 91.2955% | 1,577 |
Total domestic deposits to total assets | 87.7910% | 2,466 |
Equity capital to assets | 9.7195% | 4,537 |
Core capital (leverage) ratio | 9.4940% | 4,092 |
Tier 1 risk-based capital ratio | 11.0733% | 6,375 |
Total risk-based capital ratio | 12.3242% | 6,348 |
Memoranda: | ||
Average total assets | $2,215,031,500 | 330 |
Average earning assets | $2,016,325,500 | 326 |
Average equity | $209,052,000 | 375 |
Average total loans | $1,760,998,000 | 281 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8996% | 1,842 |
Cost of funding earning assets | 0.5099% | 5,149 |
Net interest margin | 4.3897% | 1,181 |
Noninterest income to average assets | 1.2538% | 992 |
Noninterest expense to average assets | 3.1017% | 2,916 |
Loan and lease loss provision to assets | 0.3253% | 2,096 |
Net operating income to assets | 1.1581% | 1,745 |
Return on assets (ROA) | 1.1492% | 1,941 |
Pretax return on assets | 1.7783% | 961 |
Return on Equity (ROE) | 12.8869% | 1,258 |
Retained earnings to average equity (ytd only) | 8.4061% | 1,000 |
Net charge-offs to loans | 0.6389% | 1,834 |
Credit loss provision to net charge-offs | 63.2625% | 4,366 |
Earnings coverage of net charge-offs (x) | 4.1178% | 3,476 |
Efficiency ratio | 59.4316% | 5,629 |
Assets per employee ($millions) | 3.6236% | 4,724 |
Cash dividends to net income (ytd only)* | 34.7701% | 3,145 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3864% | 4,232 |
Loan loss allowance to noncurrent loans | 109.6685% | 3,109 |
Noncurrent assets plus other real estate owned to assets | 1.6540% | 2,917 |
Noncurrent loans to loans | 1.2641% | 3,721 |
Net loans and leases to total assets | 79.1408% | 546 |
Net loans and leases to deposits | 92.3768% | 884 |
Net loans and leases to core deposits | 95.6553% | 1,335 |
Total domestic deposits to total assets | 85.6717% | 3,524 |
Equity capital to assets | 9.1533% | 5,333 |
Core capital (leverage) ratio | 9.6356% | 3,911 |
Tier 1 risk-based capital ratio | 10.8092% | 6,421 |
Total risk-based capital ratio | 12.0596% | 6,397 |
Memoranda: | ||
Average total assets | $2,152,039,600 | 335 |
Average earning assets | $1,943,922,800 | 332 |
Average equity | $191,908,600 | 389 |
Average total loans | $1,732,007,000 | 274 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9462% | 1,843 |
Cost of funding earning assets | 0.5305% | 5,240 |
Net interest margin | 4.4157% | 1,174 |
Noninterest income to average assets | 1.1318% | 1,178 |
Noninterest expense to average assets | 3.1103% | 2,856 |
Loan and lease loss provision to assets | 0.2337% | 2,706 |
Net operating income to assets | 1.1521% | 1,897 |
Return on assets (ROA) | 1.1414% | 2,137 |
Pretax return on assets | 1.7604% | 1,143 |
Return on Equity (ROE) | 12.8868% | 1,365 |
Retained earnings to average equity (ytd only) | 9.5456% | 1,044 |
Net charge-offs to loans | 0.6643% | 1,650 |
Credit loss provision to net charge-offs | 43.6859% | 4,536 |
Earnings coverage of net charge-offs (x) | 3.7584% | 3,525 |
Efficiency ratio | 60.7356% | 5,367 |
Assets per employee ($millions) | 3.5233% | 4,924 |
Cash dividends to net income (ytd only)* | 25.9269% | 2,816 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3571% | 4,548 |
Loan loss allowance to noncurrent loans | 101.3575% | 3,189 |
Noncurrent assets plus other real estate owned to assets | 2.0357% | 2,598 |
Noncurrent loans to loans | 1.3389% | 3,793 |
Net loans and leases to total assets | 81.0987% | 425 |
Net loans and leases to deposits | 93.3094% | 844 |
Net loans and leases to core deposits | 96.3587% | 1,387 |
Total domestic deposits to total assets | 86.9138% | 2,725 |
Equity capital to assets | 9.2875% | 5,483 |
Core capital (leverage) ratio | 9.3913% | 4,447 |
Tier 1 risk-based capital ratio | 10.5467% | 6,650 |
Total risk-based capital ratio | 11.7967% | 6,635 |
Memoranda: | ||
Average total assets | $2,139,264,750 | 334 |
Average earning assets | $1,932,682,250 | 333 |
Average equity | $189,471,000 | 390 |
Average total loans | $1,722,985,500 | 273 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9195% | 2,028 |
Cost of funding earning assets | 0.5490% | 5,313 |
Net interest margin | 4.3705% | 1,279 |
Noninterest income to average assets | 1.0445% | 1,331 |
Noninterest expense to average assets | 3.0582% | 3,056 |
Loan and lease loss provision to assets | 0.3266% | 2,015 |
Net operating income to assets | 1.0553% | 2,223 |
Return on assets (ROA) | 1.0390% | 2,528 |
Pretax return on assets | 1.5837% | 1,591 |
Return on Equity (ROE) | 11.9231% | 1,688 |
Retained earnings to average equity (ytd only) | 8.7113% | 1,371 |
Net charge-offs to loans | 0.7373% | 1,501 |
Credit loss provision to net charge-offs | 55.3885% | 3,917 |
Earnings coverage of net charge-offs (x) | 3.2812% | 3,431 |
Efficiency ratio | 61.2470% | 5,375 |
Assets per employee ($millions) | 3.5370% | 4,895 |
Cash dividends to net income (ytd only)* | 26.9379% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4855% | 4,080 |
Loan loss allowance to noncurrent loans | 98.4332% | 3,244 |
Noncurrent assets plus other real estate owned to assets | 2.6456% | 2,094 |
Noncurrent loans to loans | 1.5091% | 3,643 |
Net loans and leases to total assets | 79.1717% | 598 |
Net loans and leases to deposits | 91.5287% | 998 |
Net loans and leases to core deposits | 94.5421% | 1,547 |
Total domestic deposits to total assets | 86.4993% | 3,072 |
Equity capital to assets | 8.8888% | 5,819 |
Core capital (leverage) ratio | 8.9942% | 4,927 |
Tier 1 risk-based capital ratio | 10.1140% | 6,792 |
Total risk-based capital ratio | 11.3654% | 6,778 |
Memoranda: | ||
Average total assets | $2,142,999,330 | 334 |
Average earning assets | $1,936,194,670 | 333 |
Average equity | $186,747,000 | 396 |
Average total loans | $1,714,123,000 | 271 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8865% | 2,300 |
Cost of funding earning assets | 0.5712% | 5,351 |
Net interest margin | 4.3153% | 1,421 |
Noninterest income to average assets | 1.1202% | 1,127 |
Noninterest expense to average assets | 3.0291% | 3,158 |
Loan and lease loss provision to assets | 0.3746% | 1,685 |
Net operating income to assets | 1.0625% | 2,239 |
Return on assets (ROA) | 1.0625% | 2,431 |
Pretax return on assets | 1.6131% | 1,531 |
Return on Equity (ROE) | 12.3173% | 1,576 |
Retained earnings to average equity (ytd only) | 9.0605% | 1,570 |
Net charge-offs to loans | 0.5840% | 1,634 |
Credit loss provision to net charge-offs | 80.3859% | 2,719 |
Earnings coverage of net charge-offs (x) | 4.2657% | 2,614 |
Efficiency ratio | 60.3786% | 5,564 |
Assets per employee ($millions) | 3.5912% | 4,909 |
Cash dividends to net income (ytd only)* | 26.4410% | 2,179 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6332% | 3,606 |
Loan loss allowance to noncurrent loans | 90.7678% | 3,320 |
Noncurrent assets plus other real estate owned to assets | 2.6548% | 2,225 |
Noncurrent loans to loans | 1.7993% | 3,413 |
Net loans and leases to total assets | 78.7798% | 515 |
Net loans and leases to deposits | 89.9874% | 963 |
Net loans and leases to core deposits | 93.3286% | 1,518 |
Total domestic deposits to total assets | 87.5454% | 2,625 |
Equity capital to assets | 8.6853% | 5,893 |
Core capital (leverage) ratio | 8.9094% | 4,982 |
Tier 1 risk-based capital ratio | 9.9888% | 6,884 |
Total risk-based capital ratio | 11.2421% | 6,877 |
Memoranda: | ||
Average total assets | $2,135,699,000 | 332 |
Average earning assets | $1,928,490,500 | 328 |
Average equity | $184,228,000 | 394 |
Average total loans | $1,704,201,000 | 270 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0199% | 2,794 |
Cost of funding earning assets | 0.7444% | 5,246 |
Net interest margin | 4.2754% | 1,784 |
Noninterest income to average assets | 1.1912% | 934 |
Noninterest expense to average assets | 2.9359% | 3,817 |
Loan and lease loss provision to assets | 0.8800% | 1,102 |
Net operating income to assets | 0.8393% | 2,880 |
Return on assets (ROA) | 0.8055% | 3,176 |
Pretax return on assets | 1.1805% | 2,522 |
Return on Equity (ROE) | 9.6700% | 2,178 |
Retained earnings to average equity (ytd only) | 7.0429% | 1,488 |
Net charge-offs to loans | 1.3317% | 1,238 |
Credit loss provision to net charge-offs | 84.1751% | 4,274 |
Earnings coverage of net charge-offs (x) | 2.0185% | 4,261 |
Efficiency ratio | 58.1808% | 6,027 |
Assets per employee ($millions) | 3.4875% | 5,044 |
Cash dividends to net income (ytd only)* | 27.1671% | 3,231 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6924% | 3,233 |
Loan loss allowance to noncurrent loans | 88.8948% | 3,369 |
Noncurrent assets plus other real estate owned to assets | 2.7946% | 2,166 |
Noncurrent loans to loans | 1.9039% | 3,339 |
Net loans and leases to total assets | 78.1554% | 694 |
Net loans and leases to deposits | 90.1694% | 1,138 |
Net loans and leases to core deposits | 93.6139% | 1,738 |
Total domestic deposits to total assets | 86.6762% | 2,930 |
Equity capital to assets | 8.5663% | 6,056 |
Core capital (leverage) ratio | 9.1572% | 4,537 |
Tier 1 risk-based capital ratio | 10.0971% | 6,832 |
Total risk-based capital ratio | 11.3504% | 6,816 |
Memoranda: | ||
Average total assets | $2,073,829,000 | 332 |
Average earning assets | $1,869,872,800 | 334 |
Average equity | $172,740,800 | 409 |
Average total loans | $1,628,047,400 | 277 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0284% | 2,946 |
Cost of funding earning assets | 0.7818% | 5,267 |
Net interest margin | 4.2466% | 1,923 |
Noninterest income to average assets | 1.2271% | 874 |
Noninterest expense to average assets | 2.9591% | 3,708 |
Loan and lease loss provision to assets | 1.0349% | 815 |
Net operating income to assets | 0.7446% | 3,411 |
Return on assets (ROA) | 0.6804% | 3,889 |
Pretax return on assets | 0.9733% | 3,510 |
Return on Equity (ROE) | 8.2286% | 2,948 |
Retained earnings to average equity (ytd only) | 5.8630% | 2,640 |
Net charge-offs to loans | 1.3958% | 1,077 |
Credit loss provision to net charge-offs | 94.7530% | 3,614 |
Earnings coverage of net charge-offs (x) | 1.9227% | 4,213 |
Efficiency ratio | 58.4906% | 5,938 |
Assets per employee ($millions) | 3.5184% | 4,944 |
Cash dividends to net income (ytd only)* | 28.7480% | 2,529 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8975% | 2,617 |
Loan loss allowance to noncurrent loans | 77.1952% | 3,672 |
Noncurrent assets plus other real estate owned to assets | 3.3705% | 1,881 |
Noncurrent loans to loans | 2.4581% | 2,816 |
Net loans and leases to total assets | 76.6014% | 894 |
Net loans and leases to deposits | 87.4297% | 1,504 |
Net loans and leases to core deposits | 90.9510% | 2,129 |
Total domestic deposits to total assets | 87.6148% | 2,282 |
Equity capital to assets | 8.5370% | 6,262 |
Core capital (leverage) ratio | 8.9299% | 5,051 |
Tier 1 risk-based capital ratio | 10.2076% | 6,891 |
Total risk-based capital ratio | 11.4635% | 6,876 |
Memoranda: | ||
Average total assets | $2,061,316,250 | 336 |
Average earning assets | $1,860,097,750 | 335 |
Average equity | $170,441,750 | 421 |
Average total loans | $1,612,933,500 | 280 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0083% | 3,119 |
Cost of funding earning assets | 0.8057% | 5,328 |
Net interest margin | 4.2026% | 2,024 |
Noninterest income to average assets | 1.3561% | 694 |
Noninterest expense to average assets | 3.0313% | 3,522 |
Loan and lease loss provision to assets | 1.2694% | 591 |
Net operating income to assets | 0.6207% | 3,954 |
Return on assets (ROA) | 0.5343% | 4,500 |
Pretax return on assets | 0.7296% | 4,274 |
Return on Equity (ROE) | 6.5344% | 3,685 |
Retained earnings to average equity (ytd only) | 4.0040% | 3,651 |
Net charge-offs to loans | 1.7962% | 780 |
Credit loss provision to net charge-offs | 90.2527% | 3,446 |
Earnings coverage of net charge-offs (x) | 1.5054% | 4,161 |
Efficiency ratio | 58.8757% | 6,048 |
Assets per employee ($millions) | 3.5184% | 4,898 |
Cash dividends to net income (ytd only)* | 38.7244% | 2,136 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9360% | 2,555 |
Loan loss allowance to noncurrent loans | 71.5465% | 3,873 |
Noncurrent assets plus other real estate owned to assets | 3.6382% | 1,806 |
Noncurrent loans to loans | 2.7059% | 2,689 |
Net loans and leases to total assets | 74.2987% | 1,360 |
Net loans and leases to deposits | 84.6825% | 1,993 |
Net loans and leases to core deposits | 88.6433% | 2,544 |
Total domestic deposits to total assets | 87.7379% | 2,322 |
Equity capital to assets | 8.3370% | 6,376 |
Core capital (leverage) ratio | 8.7308% | 5,175 |
Tier 1 risk-based capital ratio | 10.3207% | 6,863 |
Total risk-based capital ratio | 11.5773% | 6,854 |
Memoranda: | ||
Average total assets | $2,048,254,330 | 344 |
Average earning assets | $1,848,386,000 | 340 |
Average equity | $167,482,670 | 431 |
Average total loans | $1,603,866,330 | 289 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0322% | 2,946 |
Cost of funding earning assets | 0.8147% | 5,501 |
Net interest margin | 4.2175% | 1,844 |
Noninterest income to average assets | 1.3602% | 693 |
Noninterest expense to average assets | 3.0071% | 3,620 |
Loan and lease loss provision to assets | 1.1827% | 596 |
Net operating income to assets | 0.7179% | 3,438 |
Return on assets (ROA) | 0.5431% | 4,383 |
Pretax return on assets | 0.7420% | 4,136 |
Return on Equity (ROE) | 6.7092% | 3,528 |
Retained earnings to average equity (ytd only) | 3.7869% | 3,903 |
Net charge-offs to loans | 1.0821% | 1,272 |
Credit loss provision to net charge-offs | 137.2998% | 2,038 |
Earnings coverage of net charge-offs (x) | 2.5124% | 3,075 |
Efficiency ratio | 58.1497% | 6,250 |
Assets per employee ($millions) | 3.5282% | 4,929 |
Cash dividends to net income (ytd only)* | 43.5572% | 1,655 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0916% | 2,204 |
Loan loss allowance to noncurrent loans | 44.4735% | 5,334 |
Noncurrent assets plus other real estate owned to assets | 4.1575% | 1,589 |
Noncurrent loans to loans | 4.7031% | 1,473 |
Net loans and leases to total assets | 76.5505% | 954 |
Net loans and leases to deposits | 87.0106% | 1,593 |
Net loans and leases to core deposits | 90.8104% | 2,260 |
Total domestic deposits to total assets | 87.9784% | 2,385 |
Equity capital to assets | 8.0621% | 6,434 |
Core capital (leverage) ratio | 8.7400% | 5,021 |
Tier 1 risk-based capital ratio | 9.9832% | 7,010 |
Total risk-based capital ratio | 11.2416% | 7,004 |
Memoranda: | ||
Average total assets | $2,029,171,500 | 347 |
Average earning assets | $1,833,708,000 | 345 |
Average equity | $164,251,500 | 435 |
Average total loans | $1,615,406,000 | 289 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3834% | 2,755 |
Cost of funding earning assets | 1.1319% | 4,957 |
Net interest margin | 4.2514% | 1,987 |
Noninterest income to average assets | 1.4224% | 711 |
Noninterest expense to average assets | 2.9399% | 4,071 |
Loan and lease loss provision to assets | 1.0408% | 1,552 |
Net operating income to assets | 0.9226% | 2,308 |
Return on assets (ROA) | 0.5051% | 4,233 |
Pretax return on assets | 0.6968% | 3,989 |
Return on Equity (ROE) | 6.3860% | 3,405 |
Retained earnings to average equity (ytd only) | 6.3860% | 1,628 |
Net charge-offs to loans | 0.8248% | 2,567 |
Credit loss provision to net charge-offs | 155.5095% | 2,274 |
Earnings coverage of net charge-offs (x) | 3.4626% | 3,346 |
Efficiency ratio | 55.9202% | 6,605 |
Assets per employee ($millions) | 3.4507% | 5,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9727% | 2,374 |
Loan loss allowance to noncurrent loans | 44.5031% | 5,355 |
Noncurrent assets plus other real estate owned to assets | 4.1140% | 1,642 |
Noncurrent loans to loans | 4.4326% | 1,607 |
Net loans and leases to total assets | 79.4726% | 736 |
Net loans and leases to deposits | 91.9310% | 1,270 |
Net loans and leases to core deposits | 95.5773% | 2,063 |
Total domestic deposits to total assets | 86.4481% | 3,105 |
Equity capital to assets | 8.1278% | 6,349 |
Core capital (leverage) ratio | 8.7465% | 4,948 |
Tier 1 risk-based capital ratio | 9.8223% | 7,047 |
Total risk-based capital ratio | 11.0792% | 7,037 |
Memoranda: | ||
Average total assets | $2,017,727,800 | 344 |
Average earning assets | $1,820,048,600 | 339 |
Average equity | $159,583,800 | 430 |
Average total loans | $1,637,176,400 | 291 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3443% | 3,148 |
Cost of funding earning assets | 1.1994% | 4,868 |
Net interest margin | 4.1449% | 2,429 |
Noninterest income to average assets | 1.4345% | 659 |
Noninterest expense to average assets | 2.9283% | 3,986 |
Loan and lease loss provision to assets | 0.5276% | 2,823 |
Net operating income to assets | 1.1698% | 1,673 |
Return on assets (ROA) | 0.6543% | 3,798 |
Pretax return on assets | 0.9601% | 3,329 |
Return on Equity (ROE) | 8.3291% | 2,780 |
Retained earnings to average equity (ytd only) | 8.3291% | 1,303 |
Net charge-offs to loans | 0.4268% | 3,584 |
Credit loss provision to net charge-offs | 152.2939% | 2,547 |
Earnings coverage of net charge-offs (x) | 6.4830% | 2,514 |
Efficiency ratio | 56.5952% | 6,474 |
Assets per employee ($millions) | 3.4477% | 5,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6451% | 3,347 |
Loan loss allowance to noncurrent loans | 58.1463% | 4,435 |
Noncurrent assets plus other real estate owned to assets | 2.9155% | 2,489 |
Noncurrent loans to loans | 2.8292% | 2,823 |
Net loans and leases to total assets | 80.3907% | 680 |
Net loans and leases to deposits | 93.3752% | 1,274 |
Net loans and leases to core deposits | 97.3328% | 2,109 |
Total domestic deposits to total assets | 86.0943% | 3,025 |
Equity capital to assets | 8.3227% | 6,480 |
Core capital (leverage) ratio | 8.5725% | 5,383 |
Tier 1 risk-based capital ratio | 9.5738% | 7,235 |
Total risk-based capital ratio | 10.8271% | 7,227 |
Memoranda: | ||
Average total assets | $2,021,805,750 | 342 |
Average earning assets | $1,824,085,250 | 338 |
Average equity | $158,812,000 | 424 |
Average total loans | $1,640,824,000 | 290 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3354% | 3,289 |
Cost of funding earning assets | 1.2500% | 4,827 |
Net interest margin | 4.0854% | 2,627 |
Noninterest income to average assets | 1.4061% | 641 |
Noninterest expense to average assets | 2.9051% | 4,052 |
Loan and lease loss provision to assets | 0.3465% | 3,648 |
Net operating income to assets | 1.3045% | 1,293 |
Return on assets (ROA) | 0.5452% | 4,260 |
Pretax return on assets | 0.7650% | 4,005 |
Return on Equity (ROE) | 7.0813% | 3,267 |
Retained earnings to average equity (ytd only) | 7.0813% | 1,799 |
Net charge-offs to loans | 0.3875% | 3,428 |
Credit loss provision to net charge-offs | 110.4449% | 3,680 |
Earnings coverage of net charge-offs (x) | 6.9511% | 2,382 |
Efficiency ratio | 57.1181% | 6,496 |
Assets per employee ($millions) | 3.4864% | 4,957 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5130% | 3,853 |
Loan loss allowance to noncurrent loans | 52.8788% | 4,770 |
Noncurrent assets plus other real estate owned to assets | 2.6207% | 2,758 |
Noncurrent loans to loans | 2.8613% | 2,798 |
Net loans and leases to total assets | 79.4247% | 887 |
Net loans and leases to deposits | 92.1555% | 1,506 |
Net loans and leases to core deposits | 95.6239% | 2,487 |
Total domestic deposits to total assets | 86.1856% | 2,991 |
Equity capital to assets | 7.9726% | 6,780 |
Core capital (leverage) ratio | 8.3475% | 5,673 |
Tier 1 risk-based capital ratio | 9.3313% | 7,324 |
Total risk-based capital ratio | 10.5830% | 7,322 |
Memoranda: | ||
Average total assets | $2,019,992,000 | 342 |
Average earning assets | $1,819,490,670 | 342 |
Average equity | $155,508,670 | 437 |
Average total loans | $1,635,439,330 | 290 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3311% | 3,387 |
Cost of funding earning assets | 1.2864% | 4,896 |
Net interest margin | 4.0447% | 2,676 |
Noninterest income to average assets | 1.4155% | 600 |
Noninterest expense to average assets | 2.8863% | 4,116 |
Loan and lease loss provision to assets | 0.1491% | 5,058 |
Net operating income to assets | 1.6664% | 661 |
Return on assets (ROA) | 0.3095% | 5,389 |
Pretax return on assets | 0.3714% | 5,377 |
Return on Equity (ROE) | 4.0947% | 4,853 |
Retained earnings to average equity (ytd only) | 4.0947% | 3,696 |
Net charge-offs to loans | 0.5492% | 2,431 |
Credit loss provision to net charge-offs | 33.4672% | 4,761 |
Earnings coverage of net charge-offs (x) | 4.8376% | 2,535 |
Efficiency ratio | 57.2499% | 6,596 |
Assets per employee ($millions) | 3.5438% | 4,939 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4030% | 4,408 |
Loan loss allowance to noncurrent loans | 110.2908% | 2,506 |
Noncurrent assets plus other real estate owned to assets | 1.4300% | 4,364 |
Noncurrent loans to loans | 1.2721% | 4,854 |
Net loans and leases to total assets | 80.3717% | 787 |
Net loans and leases to deposits | 93.6178% | 1,392 |
Net loans and leases to core deposits | 97.6627% | 2,379 |
Total domestic deposits to total assets | 85.8508% | 3,231 |
Equity capital to assets | 7.8576% | 6,802 |
Core capital (leverage) ratio | 8.0719% | 6,128 |
Tier 1 risk-based capital ratio | 8.8652% | 7,503 |
Total risk-based capital ratio | 10.1155% | 7,524 |
Memoranda: | ||
Average total assets | $2,011,968,000 | 353 |
Average earning assets | $1,803,765,000 | 357 |
Average equity | $152,100,500 | 450 |
Average total loans | $1,632,178,000 | 302 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4199% | 4,591 |
Cost of funding earning assets | 1.6779% | 4,626 |
Net interest margin | 3.7420% | 3,946 |
Noninterest income to average assets | 1.6309% | 544 |
Noninterest expense to average assets | 3.0610% | 3,902 |
Loan and lease loss provision to assets | 0.4819% | 3,955 |
Net operating income to assets | 1.1810% | 1,298 |
Return on assets (ROA) | -1.3355% | 6,787 |
Pretax return on assets | -2.4537% | 7,133 |
Return on Equity (ROE) | -19.8823% | 7,140 |
Retained earnings to average equity (ytd only) | -20.6191% | 7,126 |
Net charge-offs to loans | 0.2227% | 5,232 |
Credit loss provision to net charge-offs | 273.7382% | 1,258 |
Earnings coverage of net charge-offs (x) | 11.1349% | 1,626 |
Efficiency ratio | 60.9613% | 6,338 |
Assets per employee ($millions) | 3.5036% | 4,993 |
Cash dividends to net income (ytd only)* | -3.7061% | 7,484 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5098% | 3,668 |
Loan loss allowance to noncurrent loans | 76.5952% | 3,572 |
Noncurrent assets plus other real estate owned to assets | 3.0257% | 2,310 |
Noncurrent loans to loans | 1.9711% | 3,687 |
Net loans and leases to total assets | 79.5123% | 1,086 |
Net loans and leases to deposits | 93.0891% | 1,725 |
Net loans and leases to core deposits | 108.9626% | 3,004 |
Total domestic deposits to total assets | 85.4153% | 3,347 |
Equity capital to assets | 7.2617% | 7,228 |
Core capital (leverage) ratio | 8.3570% | 5,524 |
Tier 1 risk-based capital ratio | 8.9701% | 7,479 |
Total risk-based capital ratio | 10.2209% | 7,502 |
Memoranda: | ||
Average total assets | $1,992,140,400 | 357 |
Average earning assets | $1,804,914,000 | 352 |
Average equity | $133,812,600 | 504 |
Average total loans | $1,574,430,000 | 319 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4189% | 4,853 |
Cost of funding earning assets | 1.7565% | 4,609 |
Net interest margin | 3.6624% | 4,226 |
Noninterest income to average assets | 1.6428% | 541 |
Noninterest expense to average assets | 3.0798% | 3,725 |
Loan and lease loss provision to assets | 0.4428% | 3,694 |
Net operating income to assets | 1.1234% | 1,659 |
Return on assets (ROA) | -0.7581% | 6,664 |
Pretax return on assets | -1.4914% | 6,959 |
Return on Equity (ROE) | -11.5224% | 6,993 |
Retained earnings to average equity (ytd only) | -12.5278% | 6,977 |
Net charge-offs to loans | 0.0923% | 5,759 |
Credit loss provision to net charge-offs | 610.5458% | 625 |
Earnings coverage of net charge-offs (x) | 26.0777% | 1,031 |
Efficiency ratio | 61.9553% | 6,115 |
Assets per employee ($millions) | 3.4604% | 5,022 |
Cash dividends to net income (ytd only)* | -8.7256% | 7,741 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4612% | 3,637 |
Loan loss allowance to noncurrent loans | 103.3726% | 2,690 |
Noncurrent assets plus other real estate owned to assets | 3.3534% | 2,005 |
Noncurrent loans to loans | 1.4135% | 4,552 |
Net loans and leases to total assets | 79.7452% | 1,223 |
Net loans and leases to deposits | 93.9090% | 1,892 |
Net loans and leases to core deposits | 109.3406% | 3,308 |
Total domestic deposits to total assets | 84.9176% | 3,278 |
Equity capital to assets | 6.8528% | 7,664 |
Core capital (leverage) ratio | 7.8033% | 6,605 |
Tier 1 risk-based capital ratio | 7.8307% | 7,819 |
Total risk-based capital ratio | 9.0383% | 7,832 |
Memoranda: | ||
Average total assets | $1,987,410,000 | 369 |
Average earning assets | $1,806,056,000 | 366 |
Average equity | $130,756,500 | 523 |
Average total loans | $1,562,149,000 | 337 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4269% | 5,001 |
Cost of funding earning assets | 1.8267% | 4,624 |
Net interest margin | 3.6002% | 4,358 |
Noninterest income to average assets | 1.6029% | 586 |
Noninterest expense to average assets | 3.1696% | 3,429 |
Loan and lease loss provision to assets | 0.4658% | 3,194 |
Net operating income to assets | 1.0259% | 2,017 |
Return on assets (ROA) | -1.1387% | 7,084 |
Pretax return on assets | -2.1473% | 7,331 |
Return on Equity (ROE) | -17.5566% | 7,442 |
Retained earnings to average equity (ytd only) | -19.0960% | 7,427 |
Net charge-offs to loans | 0.0776% | 5,426 |
Credit loss provision to net charge-offs | 771.8121% | 609 |
Earnings coverage of net charge-offs (x) | 28.1779% | 1,041 |
Efficiency ratio | 65.0816% | 5,702 |
Assets per employee ($millions) | 3.2921% | 5,344 |
Cash dividends to net income (ytd only)* | -8.7683% | 7,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3997% | 3,724 |
Loan loss allowance to noncurrent loans | 95.6939% | 3,010 |
Noncurrent assets plus other real estate owned to assets | 3.2845% | 1,888 |
Noncurrent loans to loans | 1.4626% | 4,299 |
Net loans and leases to total assets | 78.6588% | 1,601 |
Net loans and leases to deposits | 91.0528% | 2,642 |
Net loans and leases to core deposits | 107.2434% | 3,699 |
Total domestic deposits to total assets | 86.3881% | 2,574 |
Equity capital to assets | 6.6914% | 7,756 |
Core capital (leverage) ratio | 7.8715% | 6,530 |
Tier 1 risk-based capital ratio | 7.6953% | 7,942 |
Total risk-based capital ratio | 8.8157% | 7,965 |
Memoranda: | ||
Average total assets | $1,975,092,330 | 379 |
Average earning assets | $1,792,444,330 | 374 |
Average equity | $128,100,330 | 544 |
Average total loans | $1,536,775,000 | 354 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4958% | 4,934 |
Cost of funding earning assets | 1.8707% | 4,787 |
Net interest margin | 3.6251% | 4,214 |
Noninterest income to average assets | 1.4893% | 634 |
Noninterest expense to average assets | 3.1407% | 3,229 |
Loan and lease loss provision to assets | 0.3064% | 3,498 |
Net operating income to assets | 0.9417% | 2,539 |
Return on assets (ROA) | 0.9401% | 2,679 |
Pretax return on assets | 1.3275% | 2,189 |
Return on Equity (ROE) | 14.7340% | 1,027 |
Retained earnings to average equity (ytd only) | 11.5779% | 868 |
Net charge-offs to loans | 0.0941% | 4,235 |
Credit loss provision to net charge-offs | 423.7288% | 1,249 |
Earnings coverage of net charge-offs (x) | 22.6299% | 1,308 |
Efficiency ratio | 65.7489% | 5,376 |
Assets per employee ($millions) | 3.2352% | 5,501 |
Cash dividends to net income (ytd only)* | 21.4208% | 2,535 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2799% | 4,204 |
Loan loss allowance to noncurrent loans | 90.2278% | 3,328 |
Noncurrent assets plus other real estate owned to assets | 2.4214% | 2,371 |
Noncurrent loans to loans | 1.4185% | 4,183 |
Net loans and leases to total assets | 77.1008% | 2,018 |
Net loans and leases to deposits | 88.2268% | 3,249 |
Net loans and leases to core deposits | 103.2110% | 4,225 |
Total domestic deposits to total assets | 87.3893% | 2,021 |
Equity capital to assets | 6.3251% | 7,927 |
Core capital (leverage) ratio | 8.5061% | 5,522 |
Tier 1 risk-based capital ratio | 7.8101% | 8,030 |
Total risk-based capital ratio | 8.7311% | 8,075 |
Memoranda: | ||
Average total assets | $1,958,543,000 | 381 |
Average earning assets | $1,776,193,500 | 378 |
Average equity | $124,962,500 | 548 |
Average total loans | $1,504,142,000 | 363 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9826% | 5,633 |
Cost of funding earning assets | 2.2631% | 5,321 |
Net interest margin | 3.7196% | 4,387 |
Noninterest income to average assets | 1.6332% | 521 |
Noninterest expense to average assets | 3.1024% | 3,684 |
Loan and lease loss provision to assets | 0.4073% | 3,244 |
Net operating income to assets | 2.6030% | 106 |
Return on assets (ROA) | 1.0992% | 2,067 |
Pretax return on assets | 0.0426% | 6,067 |
Return on Equity (ROE) | 16.4195% | 711 |
Retained earnings to average equity (ytd only) | 3.8992% | 2,703 |
Net charge-offs to loans | 0.1131% | 5,135 |
Credit loss provision to net charge-offs | 493.0966% | 886 |
Earnings coverage of net charge-offs (x) | 23.6529% | 1,412 |
Efficiency ratio | 61.3606% | 6,091 |
Assets per employee ($millions) | 3.1508% | 5,622 |
Cash dividends to net income (ytd only)* | 76.2523% | 1,891 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2448% | 4,198 |
Loan loss allowance to noncurrent loans | 143.5508% | 2,562 |
Noncurrent assets plus other real estate owned to assets | 0.7851% | 4,886 |
Noncurrent loans to loans | 0.8672% | 4,888 |
Net loans and leases to total assets | 74.5595% | 2,974 |
Net loans and leases to deposits | 86.6435% | 4,011 |
Net loans and leases to core deposits | 99.9005% | 4,832 |
Total domestic deposits to total assets | 86.0532% | 2,376 |
Equity capital to assets | 6.4355% | 7,956 |
Core capital (leverage) ratio | 8.2862% | 5,978 |
Tier 1 risk-based capital ratio | 9.2157% | 7,597 |
Total risk-based capital ratio | 10.3152% | 7,715 |
Memoranda: | ||
Average total assets | $1,841,512,800 | 389 |
Average earning assets | $1,694,609,000 | 385 |
Average equity | $123,280,600 | 548 |
Average total loans | $1,345,153,600 | 389 |