Home > Central Bank of Sedalia > Performance and Condition Ratios
Central Bank of Sedalia, Performance and Condition Ratios
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9548% | 4,075 |
Cost of funding earning assets | 0.1656% | 3,967 |
Net interest margin | 2.7892% | 3,807 |
Noninterest income to average assets | 1.0504% | 987 |
Noninterest expense to average assets | 2.0389% | 3,558 |
Loan and lease loss provision to assets | 0.0592% | 1,810 |
Net operating income to assets | 1.2730% | 1,908 |
Return on assets (ROA) | 1.2734% | 1,967 |
Pretax return on assets | 1.6587% | 1,525 |
Return on Equity (ROE) | 15.9738% | 958 |
Retained earnings to average equity (ytd only) | 0.5143% | 4,493 |
Net charge-offs to loans | 0.0786% | 879 |
Credit loss provision to net charge-offs | 149.7006% | 1,360 |
Earnings coverage of net charge-offs (x) | 43.3952% | 1,315 |
Efficiency ratio | 54.2776% | 3,769 |
Assets per employee ($millions) | 7.7694% | 1,403 |
Cash dividends to net income (ytd only)* | 96.7802% | 220 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8575% | 827 |
Loan loss allowance to noncurrent loans | 642.1642% | 1,122 |
Noncurrent assets plus other real estate owned to assets | 0.1437% | 3,152 |
Noncurrent loans to loans | 0.2893% | 2,757 |
Net loans and leases to total assets | 48.7664% | 3,545 |
Net loans and leases to deposits | 55.8635% | 3,587 |
Net loans and leases to core deposits | 59.4895% | 3,508 |
Total domestic deposits to total assets | 87.2957% | 2,217 |
Equity capital to assets | 7.8701% | 4,575 |
Core capital (leverage) ratio | 7.3005% | 4,752 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7195% | 1,716 |
Memoranda: | ||
Average total assets | $562,588,750 | 1,549 |
Average earning assets | $545,814,750 | 1,502 |
Average equity | $44,847,250 | 1,951 |
Average total loans | $283,406,250 | 1,806 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8286% | 4,311 |
Cost of funding earning assets | 0.1845% | 3,907 |
Net interest margin | 2.6441% | 4,092 |
Noninterest income to average assets | 0.9729% | 1,115 |
Noninterest expense to average assets | 2.0023% | 3,691 |
Loan and lease loss provision to assets | 0.0887% | 1,395 |
Net operating income to assets | 1.1107% | 2,505 |
Return on assets (ROA) | 1.1099% | 2,570 |
Pretax return on assets | 1.4442% | 2,197 |
Return on Equity (ROE) | 13.8648% | 1,453 |
Retained earnings to average equity (ytd only) | 4.9999% | 3,183 |
Net charge-offs to loans | 0.0806% | 864 |
Credit loss provision to net charge-offs | 217.3913% | 1,016 |
Earnings coverage of net charge-offs (x) | 37.5913% | 1,192 |
Efficiency ratio | 56.6225% | 3,458 |
Assets per employee ($millions) | 7.9723% | 1,224 |
Cash dividends to net income (ytd only)* | 63.9386% | 825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8000% | 884 |
Loan loss allowance to noncurrent loans | 282.6558% | 1,991 |
Noncurrent assets plus other real estate owned to assets | 0.3260% | 2,295 |
Noncurrent loans to loans | 0.6368% | 1,818 |
Net loans and leases to total assets | 50.2619% | 3,535 |
Net loans and leases to deposits | 57.2867% | 3,615 |
Net loans and leases to core deposits | 61.0260% | 3,543 |
Total domestic deposits to total assets | 87.7375% | 1,964 |
Equity capital to assets | 7.9977% | 4,537 |
Core capital (leverage) ratio | 7.3626% | 4,764 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7821% | 1,698 |
Memoranda: | ||
Average total assets | $563,653,333 | 1,539 |
Average earning assets | $546,426,000 | 1,494 |
Average equity | $45,121,333 | 1,925 |
Average total loans | $285,221,667 | 1,803 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8105% | 4,368 |
Cost of funding earning assets | 0.1904% | 4,005 |
Net interest margin | 2.6201% | 4,113 |
Noninterest income to average assets | 0.9722% | 1,184 |
Noninterest expense to average assets | 2.0524% | 3,555 |
Loan and lease loss provision to assets | 0.0868% | 1,518 |
Net operating income to assets | 1.0534% | 2,623 |
Return on assets (ROA) | 1.0354% | 2,773 |
Pretax return on assets | 1.3455% | 2,447 |
Return on Equity (ROE) | 12.9287% | 1,691 |
Retained earnings to average equity (ytd only) | 12.9287% | 928 |
Net charge-offs to loans | 0.0905% | 740 |
Credit loss provision to net charge-offs | 190.6250% | 906 |
Earnings coverage of net charge-offs (x) | 31.9688% | 1,071 |
Efficiency ratio | 58.5158% | 3,233 |
Assets per employee ($millions) | 7.9561% | 1,216 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8360% | 820 |
Loan loss allowance to noncurrent loans | 310.8288% | 1,710 |
Noncurrent assets plus other real estate owned to assets | 0.2886% | 2,702 |
Noncurrent loans to loans | 0.5907% | 2,091 |
Net loans and leases to total assets | 47.9543% | 3,826 |
Net loans and leases to deposits | 54.6468% | 3,897 |
Net loans and leases to core deposits | 58.0452% | 3,831 |
Total domestic deposits to total assets | 87.7531% | 1,977 |
Equity capital to assets | 7.9607% | 4,516 |
Core capital (leverage) ratio | 7.6869% | 4,721 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.9965% | 1,571 |
Memoranda: | ||
Average total assets | $562,462,500 | 1,533 |
Average earning assets | $544,245,500 | 1,490 |
Average equity | $45,047,000 | 1,921 |
Average total loans | $282,975,000 | 1,816 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6138% | 3,771 |
Cost of funding earning assets | 0.3645% | 3,792 |
Net interest margin | 3.2493% | 3,214 |
Noninterest income to average assets | 1.0955% | 889 |
Noninterest expense to average assets | 2.1685% | 3,760 |
Loan and lease loss provision to assets | 0.1432% | 2,568 |
Net operating income to assets | 1.4748% | 865 |
Return on assets (ROA) | 1.4748% | 940 |
Pretax return on assets | 1.9158% | 534 |
Return on Equity (ROE) | 17.5117% | 369 |
Retained earnings to average equity (ytd only) | 13.1277% | 234 |
Net charge-offs to loans | 0.1068% | 1,404 |
Credit loss provision to net charge-offs | 222.2930% | 2,054 |
Earnings coverage of net charge-offs (x) | 31.9682% | 1,554 |
Efficiency ratio | 51.2955% | 4,439 |
Assets per employee ($millions) | 8.0012% | 1,038 |
Cash dividends to net income (ytd only)* | 25.0348% | 3,051 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7755% | 894 |
Loan loss allowance to noncurrent loans | 477.8928% | 1,177 |
Noncurrent assets plus other real estate owned to assets | 0.1992% | 3,289 |
Noncurrent loans to loans | 0.3715% | 2,869 |
Net loans and leases to total assets | 50.9035% | 3,754 |
Net loans and leases to deposits | 58.2976% | 3,876 |
Net loans and leases to core deposits | 62.3201% | 3,815 |
Total domestic deposits to total assets | 87.3166% | 1,789 |
Equity capital to assets | 8.0589% | 4,685 |
Core capital (leverage) ratio | 7.7134% | 4,768 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9328% | 1,878 |
Memoranda: | ||
Average total assets | $487,527,000 | 1,588 |
Average earning assets | $469,921,200 | 1,538 |
Average equity | $41,058,200 | 1,986 |
Average total loans | $293,951,200 | 1,706 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7430% | 3,696 |
Cost of funding earning assets | 0.4111% | 3,761 |
Net interest margin | 3.3320% | 3,094 |
Noninterest income to average assets | 1.0864% | 876 |
Noninterest expense to average assets | 2.2331% | 3,600 |
Loan and lease loss provision to assets | 0.1856% | 2,131 |
Net operating income to assets | 1.4487% | 997 |
Return on assets (ROA) | 1.4487% | 1,091 |
Pretax return on assets | 1.8798% | 663 |
Return on Equity (ROE) | 16.9881% | 450 |
Retained earnings to average equity (ytd only) | 11.0180% | 573 |
Net charge-offs to loans | 0.1108% | 1,233 |
Credit loss provision to net charge-offs | 266.6667% | 1,867 |
Earnings coverage of net charge-offs (x) | 29.6829% | 1,594 |
Efficiency ratio | 51.9510% | 4,350 |
Assets per employee ($millions) | 7.9378% | 1,023 |
Cash dividends to net income (ytd only)* | 35.1425% | 2,131 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7067% | 883 |
Loan loss allowance to noncurrent loans | 920.0000% | 632 |
Noncurrent assets plus other real estate owned to assets | 0.1130% | 3,869 |
Noncurrent loans to loans | 0.1855% | 3,647 |
Net loans and leases to total assets | 56.1322% | 3,610 |
Net loans and leases to deposits | 64.7180% | 3,734 |
Net loans and leases to core deposits | 69.2263% | 3,684 |
Total domestic deposits to total assets | 86.7335% | 1,758 |
Equity capital to assets | 8.1200% | 4,671 |
Core capital (leverage) ratio | 7.5741% | 4,847 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1302% | 2,143 |
Memoranda: | ||
Average total assets | $471,387,750 | 1,617 |
Average earning assets | $454,416,250 | 1,560 |
Average equity | $40,199,750 | 2,009 |
Average total loans | $295,911,500 | 1,695 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9578% | 3,439 |
Cost of funding earning assets | 0.4642% | 3,722 |
Net interest margin | 3.4936% | 2,805 |
Noninterest income to average assets | 1.0192% | 948 |
Noninterest expense to average assets | 2.3059% | 3,498 |
Loan and lease loss provision to assets | 0.1749% | 2,263 |
Net operating income to assets | 1.4664% | 982 |
Return on assets (ROA) | 1.4664% | 1,075 |
Pretax return on assets | 1.9014% | 670 |
Return on Equity (ROE) | 16.8850% | 465 |
Retained earnings to average equity (ytd only) | 7.7525% | 1,383 |
Net charge-offs to loans | 0.1574% | 939 |
Credit loss provision to net charge-offs | 171.1207% | 2,033 |
Earnings coverage of net charge-offs (x) | 20.3103% | 1,690 |
Efficiency ratio | 52.6194% | 4,313 |
Assets per employee ($millions) | 7.1688% | 1,348 |
Cash dividends to net income (ytd only)* | 54.0865% | 1,424 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6454% | 912 |
Loan loss allowance to noncurrent loans | 166.9873% | 2,422 |
Noncurrent assets plus other real estate owned to assets | 0.5792% | 2,075 |
Noncurrent loans to loans | 0.9853% | 1,577 |
Net loans and leases to total assets | 57.0876% | 3,596 |
Net loans and leases to deposits | 65.3515% | 3,773 |
Net loans and leases to core deposits | 69.7328% | 3,731 |
Total domestic deposits to total assets | 87.3547% | 1,472 |
Equity capital to assets | 8.0163% | 4,710 |
Core capital (leverage) ratio | 7.8112% | 4,825 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8811% | 2,657 |
Memoranda: | ||
Average total assets | $453,886,333 | 1,647 |
Average earning assets | $436,910,667 | 1,590 |
Average equity | $39,419,667 | 2,022 |
Average total loans | $294,822,667 | 1,687 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4134% | 2,571 |
Cost of funding earning assets | 0.5711% | 3,587 |
Net interest margin | 3.8423% | 1,837 |
Noninterest income to average assets | 1.1127% | 696 |
Noninterest expense to average assets | 2.4028% | 3,536 |
Loan and lease loss provision to assets | 0.1482% | 1,912 |
Net operating income to assets | 1.7338% | 474 |
Return on assets (ROA) | 1.7338% | 527 |
Pretax return on assets | 2.2480% | 266 |
Return on Equity (ROE) | 19.0867% | 210 |
Retained earnings to average equity (ytd only) | 0.4958% | 3,883 |
Net charge-offs to loans | 0.2187% | 643 |
Credit loss provision to net charge-offs | 98.1366% | 1,864 |
Earnings coverage of net charge-offs (x) | 15.8634% | 1,550 |
Efficiency ratio | 50.0684% | 4,662 |
Assets per employee ($millions) | 5.9667% | 1,712 |
Cash dividends to net income (ytd only)* | 97.4026% | 779 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6151% | 1,034 |
Loan loss allowance to noncurrent loans | 570.9246% | 861 |
Noncurrent assets plus other real estate owned to assets | 0.1940% | 3,712 |
Noncurrent loans to loans | 0.2829% | 3,478 |
Net loans and leases to total assets | 67.4804% | 2,619 |
Net loans and leases to deposits | 78.7181% | 2,812 |
Net loans and leases to core deposits | 85.0068% | 2,764 |
Total domestic deposits to total assets | 85.7241% | 2,118 |
Equity capital to assets | 9.1774% | 4,480 |
Core capital (leverage) ratio | 8.4057% | 4,838 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6600% | 2,858 |
Memoranda: | ||
Average total assets | $426,335,500 | 1,686 |
Average earning assets | $409,024,000 | 1,637 |
Average equity | $38,728,500 | 2,034 |
Average total loans | $294,519,000 | 1,665 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6591% | 2,438 |
Cost of funding earning assets | 0.5992% | 3,637 |
Net interest margin | 4.0599% | 1,649 |
Noninterest income to average assets | 1.3111% | 551 |
Noninterest expense to average assets | 2.5584% | 3,295 |
Loan and lease loss provision to assets | 0.1205% | 1,761 |
Net operating income to assets | 1.8946% | 434 |
Return on assets (ROA) | 1.8946% | 451 |
Pretax return on assets | 2.5156% | 207 |
Return on Equity (ROE) | 20.4506% | 192 |
Retained earnings to average equity (ytd only) | 0.9688% | 4,390 |
Net charge-offs to loans | 0.1596% | 1,263 |
Credit loss provision to net charge-offs | 104.5929% | 2,368 |
Earnings coverage of net charge-offs (x) | 22.8727% | 1,834 |
Efficiency ratio | 49.2519% | 4,772 |
Assets per employee ($millions) | 6.1291% | 1,536 |
Cash dividends to net income (ytd only)* | 95.2629% | 411 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5733% | 1,038 |
Loan loss allowance to noncurrent loans | 267.1217% | 1,689 |
Noncurrent assets plus other real estate owned to assets | 0.4198% | 2,716 |
Noncurrent loans to loans | 0.5890% | 2,417 |
Net loans and leases to total assets | 68.4741% | 2,614 |
Net loans and leases to deposits | 79.8528% | 2,794 |
Net loans and leases to core deposits | 86.1986% | 2,776 |
Total domestic deposits to total assets | 85.7503% | 2,160 |
Equity capital to assets | 8.9918% | 4,685 |
Core capital (leverage) ratio | 8.4478% | 4,867 |
Tier 1 risk-based capital ratio | 11.4299% | 4,661 |
Total risk-based capital ratio | 12.6833% | 4,537 |
Memoranda: | ||
Average total assets | $415,606,800 | 1,689 |
Average earning assets | $397,547,800 | 1,641 |
Average equity | $38,502,600 | 1,993 |
Average total loans | $300,203,400 | 1,602 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6746% | 2,489 |
Cost of funding earning assets | 0.6024% | 3,690 |
Net interest margin | 4.0722% | 1,696 |
Noninterest income to average assets | 1.2901% | 558 |
Noninterest expense to average assets | 2.5929% | 3,183 |
Loan and lease loss provision to assets | 0.1323% | 1,453 |
Net operating income to assets | 1.8700% | 538 |
Return on assets (ROA) | 1.8700% | 561 |
Pretax return on assets | 2.4632% | 266 |
Return on Equity (ROE) | 20.0322% | 243 |
Retained earnings to average equity (ytd only) | 2.7093% | 4,010 |
Net charge-offs to loans | 0.1481% | 1,101 |
Credit loss provision to net charge-offs | 122.4551% | 1,927 |
Earnings coverage of net charge-offs (x) | 24.0271% | 1,810 |
Efficiency ratio | 49.9751% | 4,746 |
Assets per employee ($millions) | 6.1470% | 1,497 |
Cash dividends to net income (ytd only)* | 86.4753% | 502 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5932% | 1,009 |
Loan loss allowance to noncurrent loans | 426.6846% | 1,119 |
Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,511 |
Noncurrent loans to loans | 0.3734% | 3,221 |
Net loans and leases to total assets | 69.1584% | 2,599 |
Net loans and leases to deposits | 81.0817% | 2,790 |
Net loans and leases to core deposits | 87.3792% | 2,793 |
Total domestic deposits to total assets | 85.2946% | 2,301 |
Equity capital to assets | 9.1971% | 4,668 |
Core capital (leverage) ratio | 8.6678% | 4,855 |
Tier 1 risk-based capital ratio | 11.5451% | 4,648 |
Total risk-based capital ratio | 12.7987% | 4,549 |
Memoranda: | ||
Average total assets | $412,250,000 | 1,709 |
Average earning assets | $394,630,250 | 1,658 |
Average equity | $38,483,750 | 2,008 |
Average total loans | $300,636,000 | 1,614 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6709% | 2,449 |
Cost of funding earning assets | 0.5853% | 3,724 |
Net interest margin | 4.0856% | 1,648 |
Noninterest income to average assets | 1.3246% | 498 |
Noninterest expense to average assets | 2.6001% | 3,199 |
Loan and lease loss provision to assets | 0.1323% | 1,415 |
Net operating income to assets | 1.8982% | 487 |
Return on assets (ROA) | 1.8982% | 507 |
Pretax return on assets | 2.5007% | 241 |
Return on Equity (ROE) | 20.2304% | 243 |
Retained earnings to average equity (ytd only) | 4.5682% | 2,992 |
Net charge-offs to loans | 0.1466% | 1,058 |
Credit loss provision to net charge-offs | 122.1719% | 1,719 |
Earnings coverage of net charge-offs (x) | 24.3213% | 1,630 |
Efficiency ratio | 49.6864% | 4,797 |
Assets per employee ($millions) | 5.7268% | 1,760 |
Cash dividends to net income (ytd only)* | 77.4194% | 891 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5791% | 1,076 |
Loan loss allowance to noncurrent loans | 434.4986% | 1,124 |
Noncurrent assets plus other real estate owned to assets | 0.2636% | 3,513 |
Noncurrent loans to loans | 0.3634% | 3,225 |
Net loans and leases to total assets | 71.3906% | 2,307 |
Net loans and leases to deposits | 83.9851% | 2,496 |
Net loans and leases to core deposits | 90.3216% | 2,572 |
Total domestic deposits to total assets | 85.0039% | 2,481 |
Equity capital to assets | 9.4758% | 4,423 |
Core capital (leverage) ratio | 8.8087% | 4,779 |
Tier 1 risk-based capital ratio | 11.5093% | 4,682 |
Total risk-based capital ratio | 12.7624% | 4,573 |
Memoranda: | ||
Average total assets | $408,285,330 | 1,730 |
Average earning assets | $390,588,000 | 1,675 |
Average equity | $38,308,670 | 2,008 |
Average total loans | $301,488,000 | 1,617 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5927% | 2,552 |
Cost of funding earning assets | 0.5704% | 3,730 |
Net interest margin | 4.0224% | 1,785 |
Noninterest income to average assets | 1.1116% | 659 |
Noninterest expense to average assets | 2.5944% | 3,230 |
Loan and lease loss provision to assets | 0.1319% | 1,317 |
Net operating income to assets | 1.6925% | 740 |
Return on assets (ROA) | 1.6925% | 765 |
Pretax return on assets | 2.2252% | 425 |
Return on Equity (ROE) | 18.1296% | 386 |
Retained earnings to average equity (ytd only) | 2.3097% | 3,977 |
Net charge-offs to loans | 0.1612% | 837 |
Credit loss provision to net charge-offs | 109.8361% | 1,498 |
Earnings coverage of net charge-offs (x) | 19.6230% | 1,588 |
Efficiency ratio | 52.3961% | 4,669 |
Assets per employee ($millions) | 5.2473% | 2,233 |
Cash dividends to net income (ytd only)* | 87.2600% | 794 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5577% | 1,155 |
Loan loss allowance to noncurrent loans | 633.2432% | 865 |
Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,624 |
Noncurrent loans to loans | 0.2460% | 3,683 |
Net loans and leases to total assets | 72.3543% | 2,099 |
Net loans and leases to deposits | 84.3658% | 2,344 |
Net loans and leases to core deposits | 90.3160% | 2,466 |
Total domestic deposits to total assets | 85.7627% | 2,382 |
Equity capital to assets | 9.3222% | 4,408 |
Core capital (leverage) ratio | 8.8514% | 4,753 |
Tier 1 risk-based capital ratio | 11.2082% | 4,877 |
Total risk-based capital ratio | 12.4612% | 4,788 |
Memoranda: | ||
Average total assets | $406,261,500 | 1,748 |
Average earning assets | $387,829,000 | 1,695 |
Average equity | $37,927,000 | 2,018 |
Average total loans | $302,687,000 | 1,617 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3598% | 2,898 |
Cost of funding earning assets | 0.3393% | 4,353 |
Net interest margin | 4.0206% | 1,920 |
Noninterest income to average assets | 1.1228% | 733 |
Noninterest expense to average assets | 2.5514% | 3,464 |
Loan and lease loss provision to assets | 0.1013% | 2,166 |
Net operating income to assets | 1.7761% | 588 |
Return on assets (ROA) | 1.7755% | 586 |
Pretax return on assets | 2.3180% | 289 |
Return on Equity (ROE) | 18.7634% | 320 |
Retained earnings to average equity (ytd only) | 0.5364% | 4,842 |
Net charge-offs to loans | 0.1687% | 1,141 |
Credit loss provision to net charge-offs | 79.9611% | 2,866 |
Earnings coverage of net charge-offs (x) | 19.1089% | 2,088 |
Efficiency ratio | 50.9739% | 4,878 |
Assets per employee ($millions) | 5.1042% | 2,376 |
Cash dividends to net income (ytd only)* | 97.1413% | 308 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5347% | 1,187 |
Loan loss allowance to noncurrent loans | 616.6227% | 915 |
Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,563 |
Noncurrent loans to loans | 0.2489% | 3,692 |
Net loans and leases to total assets | 74.3677% | 1,873 |
Net loans and leases to deposits | 87.1598% | 2,151 |
Net loans and leases to core deposits | 93.2320% | 2,295 |
Total domestic deposits to total assets | 85.3234% | 2,504 |
Equity capital to assets | 9.3492% | 4,268 |
Core capital (leverage) ratio | 8.7839% | 4,820 |
Tier 1 risk-based capital ratio | 10.7911% | 5,073 |
Total risk-based capital ratio | 12.0435% | 4,958 |
Memoranda: | ||
Average total assets | $405,861,200 | 1,690 |
Average earning assets | $388,501,200 | 1,627 |
Average equity | $38,404,600 | 1,920 |
Average total loans | $304,690,600 | 1,580 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2661% | 3,084 |
Cost of funding earning assets | 0.2948% | 4,554 |
Net interest margin | 3.9713% | 2,047 |
Noninterest income to average assets | 1.1181% | 752 |
Noninterest expense to average assets | 2.5819% | 3,337 |
Loan and lease loss provision to assets | 0.0948% | 2,079 |
Net operating income to assets | 1.7098% | 728 |
Return on assets (ROA) | 1.7088% | 734 |
Pretax return on assets | 2.2440% | 371 |
Return on Equity (ROE) | 18.0050% | 426 |
Retained earnings to average equity (ytd only) | 3.3176% | 4,091 |
Net charge-offs to loans | 0.1593% | 1,038 |
Credit loss provision to net charge-offs | 79.3956% | 2,536 |
Earnings coverage of net charge-offs (x) | 19.6017% | 1,998 |
Efficiency ratio | 51.9891% | 4,813 |
Assets per employee ($millions) | 5.1500% | 2,278 |
Cash dividends to net income (ytd only)* | 81.5740% | 542 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5389% | 1,234 |
Loan loss allowance to noncurrent loans | 548.6581% | 1,002 |
Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,505 |
Noncurrent loans to loans | 0.2805% | 3,683 |
Net loans and leases to total assets | 74.8916% | 1,836 |
Net loans and leases to deposits | 88.5273% | 2,083 |
Net loans and leases to core deposits | 91.8334% | 2,497 |
Total domestic deposits to total assets | 84.5971% | 2,760 |
Equity capital to assets | 9.5161% | 4,067 |
Core capital (leverage) ratio | 9.0883% | 4,622 |
Tier 1 risk-based capital ratio | 11.2162% | 4,940 |
Total risk-based capital ratio | 12.4692% | 4,837 |
Memoranda: | ||
Average total assets | $406,518,250 | 1,695 |
Average earning assets | $389,383,500 | 1,630 |
Average equity | $38,581,000 | 1,924 |
Average total loans | $304,726,000 | 1,587 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1920% | 3,144 |
Cost of funding earning assets | 0.2798% | 4,562 |
Net interest margin | 3.9123% | 2,167 |
Noninterest income to average assets | 1.0972% | 803 |
Noninterest expense to average assets | 2.5649% | 3,432 |
Loan and lease loss provision to assets | 0.0838% | 2,240 |
Net operating income to assets | 1.6730% | 763 |
Return on assets (ROA) | 1.6730% | 768 |
Pretax return on assets | 2.1969% | 388 |
Return on Equity (ROE) | 17.6437% | 457 |
Retained earnings to average equity (ytd only) | 9.8916% | 956 |
Net charge-offs to loans | 0.1984% | 792 |
Credit loss provision to net charge-offs | 56.6225% | 2,452 |
Earnings coverage of net charge-offs (x) | 15.4106% | 2,042 |
Efficiency ratio | 52.4575% | 4,842 |
Assets per employee ($millions) | 5.0491% | 2,354 |
Cash dividends to net income (ytd only)* | 43.9367% | 1,940 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5099% | 1,367 |
Loan loss allowance to noncurrent loans | 599.4839% | 957 |
Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,653 |
Noncurrent loans to loans | 0.2519% | 3,798 |
Net loans and leases to total assets | 75.0299% | 1,784 |
Net loans and leases to deposits | 86.0323% | 2,304 |
Net loans and leases to core deposits | 89.6287% | 2,604 |
Total domestic deposits to total assets | 87.2113% | 1,755 |
Equity capital to assets | 9.7285% | 3,892 |
Core capital (leverage) ratio | 9.2251% | 4,441 |
Tier 1 risk-based capital ratio | 11.1032% | 5,002 |
Total risk-based capital ratio | 12.3553% | 4,895 |
Memoranda: | ||
Average total assets | $408,125,000 | 1,688 |
Average earning assets | $391,026,330 | 1,633 |
Average equity | $38,699,330 | 1,916 |
Average total loans | $304,454,670 | 1,577 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0686% | 3,342 |
Cost of funding earning assets | 0.2695% | 4,582 |
Net interest margin | 3.7990% | 2,428 |
Noninterest income to average assets | 1.0560% | 823 |
Noninterest expense to average assets | 2.5333% | 3,550 |
Loan and lease loss provision to assets | 0.0780% | 2,212 |
Net operating income to assets | 1.5894% | 879 |
Return on assets (ROA) | 1.5894% | 883 |
Pretax return on assets | 2.0867% | 481 |
Return on Equity (ROE) | 16.9787% | 512 |
Retained earnings to average equity (ytd only) | 16.9787% | 192 |
Net charge-offs to loans | 0.1823% | 801 |
Credit loss provision to net charge-offs | 57.9710% | 1,897 |
Earnings coverage of net charge-offs (x) | 16.0870% | 1,640 |
Efficiency ratio | 53.4454% | 4,849 |
Assets per employee ($millions) | 5.2591% | 2,188 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5516% | 1,283 |
Loan loss allowance to noncurrent loans | 577.6010% | 960 |
Noncurrent assets plus other real estate owned to assets | 0.2899% | 3,698 |
Noncurrent loans to loans | 0.2686% | 3,809 |
Net loans and leases to total assets | 73.9391% | 1,862 |
Net loans and leases to deposits | 83.9201% | 2,395 |
Net loans and leases to core deposits | 87.3856% | 2,688 |
Total domestic deposits to total assets | 88.1065% | 1,557 |
Equity capital to assets | 9.6486% | 3,944 |
Core capital (leverage) ratio | 9.1250% | 4,539 |
Tier 1 risk-based capital ratio | 11.0959% | 5,084 |
Total risk-based capital ratio | 12.3484% | 4,983 |
Memoranda: | ||
Average total assets | $410,224,000 | 1,689 |
Average earning assets | $393,259,000 | 1,636 |
Average equity | $38,401,000 | 1,941 |
Average total loans | $302,826,000 | 1,589 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9170% | 3,667 |
Cost of funding earning assets | 0.2137% | 4,838 |
Net interest margin | 3.7033% | 2,779 |
Noninterest income to average assets | 1.1423% | 782 |
Noninterest expense to average assets | 2.4559% | 3,923 |
Loan and lease loss provision to assets | 0.1103% | 2,047 |
Net operating income to assets | 1.2740% | 1,292 |
Return on assets (ROA) | 1.2741% | 1,312 |
Pretax return on assets | 2.1265% | 373 |
Return on Equity (ROE) | 13.7866% | 790 |
Retained earnings to average equity (ytd only) | -0.6044% | 5,132 |
Net charge-offs to loans | 0.1465% | 1,621 |
Credit loss provision to net charge-offs | 103.4014% | 2,473 |
Earnings coverage of net charge-offs (x) | 20.9728% | 1,936 |
Efficiency ratio | 51.8578% | 5,109 |
Assets per employee ($millions) | 5.3961% | 2,053 |
Cash dividends to net income (ytd only)* | 104.3841% | 303 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5843% | 1,173 |
Loan loss allowance to noncurrent loans | 340.4847% | 1,513 |
Noncurrent assets plus other real estate owned to assets | 0.4207% | 3,182 |
Noncurrent loans to loans | 0.4653% | 3,115 |
Net loans and leases to total assets | 71.4178% | 2,319 |
Net loans and leases to deposits | 80.1605% | 2,899 |
Net loans and leases to core deposits | 83.2767% | 3,127 |
Total domestic deposits to total assets | 89.0935% | 967 |
Equity capital to assets | 9.0807% | 4,639 |
Core capital (leverage) ratio | 8.5692% | 5,074 |
Tier 1 risk-based capital ratio | 10.5463% | 5,353 |
Total risk-based capital ratio | 11.7989% | 5,258 |
Memoranda: | ||
Average total assets | $413,536,800 | 1,655 |
Average earning assets | $396,430,000 | 1,606 |
Average equity | $38,218,400 | 1,922 |
Average total loans | $301,020,800 | 1,564 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8704% | 3,766 |
Cost of funding earning assets | 0.2049% | 4,937 |
Net interest margin | 3.6655% | 2,890 |
Noninterest income to average assets | 1.1337% | 785 |
Noninterest expense to average assets | 2.4655% | 3,838 |
Loan and lease loss provision to assets | 0.0846% | 2,398 |
Net operating income to assets | 1.3497% | 1,199 |
Return on assets (ROA) | 1.3499% | 1,223 |
Pretax return on assets | 2.0998% | 447 |
Return on Equity (ROE) | 14.5430% | 730 |
Retained earnings to average equity (ytd only) | 0.6329% | 5,080 |
Net charge-offs to loans | 0.1303% | 1,485 |
Credit loss provision to net charge-offs | 89.1156% | 2,470 |
Earnings coverage of net charge-offs (x) | 23.0136% | 1,835 |
Efficiency ratio | 52.5410% | 5,054 |
Assets per employee ($millions) | 5.3350% | 2,083 |
Cash dividends to net income (ytd only)* | 95.6480% | 362 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5570% | 1,341 |
Loan loss allowance to noncurrent loans | 314.2857% | 1,525 |
Noncurrent assets plus other real estate owned to assets | 0.4462% | 3,252 |
Noncurrent loans to loans | 0.4954% | 3,210 |
Net loans and leases to total assets | 72.8005% | 2,126 |
Net loans and leases to deposits | 82.8878% | 2,672 |
Net loans and leases to core deposits | 85.9662% | 2,973 |
Total domestic deposits to total assets | 87.8302% | 1,457 |
Equity capital to assets | 9.3536% | 4,590 |
Core capital (leverage) ratio | 8.7284% | 5,028 |
Tier 1 risk-based capital ratio | 10.9632% | 5,266 |
Total risk-based capital ratio | 12.2162% | 5,155 |
Memoranda: | ||
Average total assets | $413,046,750 | 1,672 |
Average earning assets | $396,190,500 | 1,619 |
Average equity | $38,340,500 | 1,940 |
Average total loans | $300,897,000 | 1,576 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7989% | 3,900 |
Cost of funding earning assets | 0.1937% | 5,038 |
Net interest margin | 3.6052% | 3,015 |
Noninterest income to average assets | 1.1242% | 790 |
Noninterest expense to average assets | 2.4447% | 3,930 |
Loan and lease loss provision to assets | 0.0817% | 2,357 |
Net operating income to assets | 1.3227% | 1,246 |
Return on assets (ROA) | 1.3214% | 1,272 |
Pretax return on assets | 2.0503% | 492 |
Return on Equity (ROE) | 14.2720% | 777 |
Retained earnings to average equity (ytd only) | 1.2215% | 4,755 |
Net charge-offs to loans | 0.0907% | 1,705 |
Credit loss provision to net charge-offs | 124.2647% | 1,743 |
Earnings coverage of net charge-offs (x) | 32.4632% | 1,413 |
Efficiency ratio | 52.8977% | 5,102 |
Assets per employee ($millions) | 5.2594% | 2,099 |
Cash dividends to net income (ytd only)* | 91.4411% | 600 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5908% | 1,281 |
Loan loss allowance to noncurrent loans | 329.3269% | 1,465 |
Noncurrent assets plus other real estate owned to assets | 0.4268% | 3,406 |
Noncurrent loans to loans | 0.4831% | 3,300 |
Net loans and leases to total assets | 72.3062% | 2,150 |
Net loans and leases to deposits | 82.0277% | 2,698 |
Net loans and leases to core deposits | 84.5692% | 3,009 |
Total domestic deposits to total assets | 88.1484% | 1,384 |
Equity capital to assets | 9.3786% | 4,541 |
Core capital (leverage) ratio | 8.7563% | 4,997 |
Tier 1 risk-based capital ratio | 11.0444% | 5,232 |
Total risk-based capital ratio | 12.2976% | 5,123 |
Memoranda: | ||
Average total assets | $413,797,330 | 1,671 |
Average earning assets | $396,487,670 | 1,624 |
Average equity | $38,312,670 | 1,940 |
Average total loans | $299,932,330 | 1,579 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7318% | 3,995 |
Cost of funding earning assets | 0.1870% | 5,094 |
Net interest margin | 3.5447% | 3,101 |
Noninterest income to average assets | 1.0539% | 905 |
Noninterest expense to average assets | 2.4342% | 4,018 |
Loan and lease loss provision to assets | 0.0789% | 2,236 |
Net operating income to assets | 1.2503% | 1,377 |
Return on assets (ROA) | 1.2503% | 1,408 |
Pretax return on assets | 1.9337% | 580 |
Return on Equity (ROE) | 13.5907% | 885 |
Retained earnings to average equity (ytd only) | 1.0358% | 4,644 |
Net charge-offs to loans | 0.0989% | 1,379 |
Credit loss provision to net charge-offs | 110.8108% | 1,473 |
Earnings coverage of net charge-offs (x) | 28.2568% | 1,257 |
Efficiency ratio | 54.2424% | 5,102 |
Assets per employee ($millions) | 5.2268% | 2,157 |
Cash dividends to net income (ytd only)* | 92.3788% | 796 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5965% | 1,392 |
Loan loss allowance to noncurrent loans | 525.9096% | 1,016 |
Noncurrent assets plus other real estate owned to assets | 0.2197% | 4,341 |
Noncurrent loans to loans | 0.3036% | 4,030 |
Net loans and leases to total assets | 71.2018% | 2,184 |
Net loans and leases to deposits | 80.9088% | 2,629 |
Net loans and leases to core deposits | 83.6050% | 2,936 |
Total domestic deposits to total assets | 88.0026% | 1,712 |
Equity capital to assets | 9.2782% | 4,536 |
Core capital (leverage) ratio | 8.6074% | 5,149 |
Tier 1 risk-based capital ratio | 10.9349% | 5,341 |
Total risk-based capital ratio | 12.1881% | 5,259 |
Memoranda: | ||
Average total assets | $415,580,000 | 1,674 |
Average earning assets | $397,772,500 | 1,630 |
Average equity | $38,232,000 | 1,952 |
Average total loans | $299,189,500 | 1,583 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7127% | 4,174 |
Cost of funding earning assets | 0.1595% | 5,359 |
Net interest margin | 3.5532% | 3,239 |
Noninterest income to average assets | 1.1619% | 841 |
Noninterest expense to average assets | 2.4554% | 4,144 |
Loan and lease loss provision to assets | 0.0609% | 3,155 |
Net operating income to assets | 1.3323% | 1,136 |
Return on assets (ROA) | 1.3317% | 1,193 |
Pretax return on assets | 2.0497% | 448 |
Return on Equity (ROE) | 14.7431% | 660 |
Retained earnings to average equity (ytd only) | 4.3022% | 2,840 |
Net charge-offs to loans | 0.0893% | 2,422 |
Credit loss provision to net charge-offs | 99.6047% | 2,619 |
Earnings coverage of net charge-offs (x) | 34.5138% | 1,312 |
Efficiency ratio | 53.2723% | 5,299 |
Assets per employee ($millions) | 5.2942% | 2,064 |
Cash dividends to net income (ytd only)* | 70.8190% | 1,281 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5894% | 1,396 |
Loan loss allowance to noncurrent loans | 406.6610% | 1,256 |
Noncurrent assets plus other real estate owned to assets | 0.2800% | 4,154 |
Noncurrent loans to loans | 0.3908% | 3,745 |
Net loans and leases to total assets | 70.4955% | 2,405 |
Net loans and leases to deposits | 80.2954% | 2,859 |
Net loans and leases to core deposits | 82.7735% | 3,145 |
Total domestic deposits to total assets | 87.7952% | 1,749 |
Equity capital to assets | 9.1222% | 4,681 |
Core capital (leverage) ratio | 8.6384% | 5,132 |
Tier 1 risk-based capital ratio | 10.7130% | 5,481 |
Total risk-based capital ratio | 11.9657% | 5,390 |
Memoranda: | ||
Average total assets | $413,529,800 | 1,634 |
Average earning assets | $396,286,600 | 1,590 |
Average equity | $37,353,000 | 1,959 |
Average total loans | $283,421,000 | 1,604 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7029% | 4,244 |
Cost of funding earning assets | 0.1580% | 5,427 |
Net interest margin | 3.5449% | 3,296 |
Noninterest income to average assets | 1.1802% | 827 |
Noninterest expense to average assets | 2.5188% | 3,931 |
Loan and lease loss provision to assets | 0.0847% | 2,527 |
Net operating income to assets | 1.2884% | 1,328 |
Return on assets (ROA) | 1.2875% | 1,435 |
Pretax return on assets | 1.9769% | 603 |
Return on Equity (ROE) | 14.2901% | 770 |
Retained earnings to average equity (ytd only) | 0.2943% | 5,273 |
Net charge-offs to loans | 0.0396% | 2,841 |
Credit loss provision to net charge-offs | 315.6627% | 993 |
Earnings coverage of net charge-offs (x) | 76.8701% | 810 |
Efficiency ratio | 54.4813% | 5,202 |
Assets per employee ($millions) | 5.0792% | 2,281 |
Cash dividends to net income (ytd only)* | 97.9407% | 425 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6583% | 1,308 |
Loan loss allowance to noncurrent loans | 172.8576% | 2,500 |
Noncurrent assets plus other real estate owned to assets | 0.7302% | 2,733 |
Noncurrent loans to loans | 0.9594% | 2,323 |
Net loans and leases to total assets | 71.2346% | 2,310 |
Net loans and leases to deposits | 85.0546% | 2,361 |
Net loans and leases to core deposits | 88.1910% | 2,740 |
Total domestic deposits to total assets | 83.7517% | 3,295 |
Equity capital to assets | 9.0315% | 5,149 |
Core capital (leverage) ratio | 8.4108% | 5,422 |
Tier 1 risk-based capital ratio | 10.5122% | 5,616 |
Total risk-based capital ratio | 11.7660% | 5,533 |
Memoranda: | ||
Average total assets | $412,351,000 | 1,639 |
Average earning assets | $395,677,250 | 1,586 |
Average equity | $37,153,000 | 1,982 |
Average total loans | $279,374,750 | 1,619 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6837% | 4,347 |
Cost of funding earning assets | 0.1602% | 5,480 |
Net interest margin | 3.5234% | 3,399 |
Noninterest income to average assets | 1.2349% | 743 |
Noninterest expense to average assets | 2.5173% | 3,990 |
Loan and lease loss provision to assets | 0.0805% | 2,528 |
Net operating income to assets | 1.3152% | 1,235 |
Return on assets (ROA) | 1.3139% | 1,329 |
Pretax return on assets | 2.0137% | 553 |
Return on Equity (ROE) | 14.5942% | 731 |
Retained earnings to average equity (ytd only) | 0.5976% | 5,128 |
Net charge-offs to loans | 0.0139% | 3,261 |
Credit loss provision to net charge-offs | 873.6842% | 413 |
Earnings coverage of net charge-offs (x) | 227.6316% | 286 |
Efficiency ratio | 54.0708% | 5,306 |
Assets per employee ($millions) | 5.0446% | 2,257 |
Cash dividends to net income (ytd only)* | 95.9056% | 571 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7229% | 1,227 |
Loan loss allowance to noncurrent loans | 241.8719% | 1,950 |
Noncurrent assets plus other real estate owned to assets | 0.5438% | 3,400 |
Noncurrent loans to loans | 0.7123% | 2,944 |
Net loans and leases to total assets | 68.5439% | 2,701 |
Net loans and leases to deposits | 81.0555% | 2,811 |
Net loans and leases to core deposits | 84.0682% | 3,077 |
Total domestic deposits to total assets | 84.5642% | 3,067 |
Equity capital to assets | 9.1387% | 5,126 |
Core capital (leverage) ratio | 8.3065% | 5,530 |
Tier 1 risk-based capital ratio | 10.8288% | 5,513 |
Total risk-based capital ratio | 12.0833% | 5,430 |
Memoranda: | ||
Average total assets | $412,663,000 | 1,638 |
Average earning assets | $395,692,330 | 1,589 |
Average equity | $37,151,670 | 1,988 |
Average total loans | $273,162,330 | 1,652 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6416% | 4,503 |
Cost of funding earning assets | 0.1603% | 5,544 |
Net interest margin | 3.4813% | 3,553 |
Noninterest income to average assets | 1.0967% | 900 |
Noninterest expense to average assets | 2.4336% | 4,281 |
Loan and lease loss provision to assets | 0.0772% | 2,415 |
Net operating income to assets | 1.2555% | 1,393 |
Return on assets (ROA) | 1.2530% | 1,495 |
Pretax return on assets | 1.9137% | 671 |
Return on Equity (ROE) | 14.0218% | 828 |
Retained earnings to average equity (ytd only) | 2.1481% | 4,400 |
Net charge-offs to loans | 0.0030% | 3,016 |
Credit loss provision to net charge-offs | 4,000.0000% | 101 |
Earnings coverage of net charge-offs (x) | 1,034.0000% | 41 |
Efficiency ratio | 54.4544% | 5,343 |
Assets per employee ($millions) | 5.0936% | 2,245 |
Cash dividends to net income (ytd only)* | 84.6805% | 921 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7421% | 1,263 |
Loan loss allowance to noncurrent loans | 286.1111% | 1,673 |
Noncurrent assets plus other real estate owned to assets | 0.4414% | 3,824 |
Noncurrent loans to loans | 0.6089% | 3,350 |
Net loans and leases to total assets | 66.1794% | 2,923 |
Net loans and leases to deposits | 78.5181% | 2,951 |
Net loans and leases to core deposits | 81.4549% | 3,182 |
Total domestic deposits to total assets | 84.2856% | 3,403 |
Equity capital to assets | 9.0450% | 5,126 |
Core capital (leverage) ratio | 8.3183% | 5,552 |
Tier 1 risk-based capital ratio | 10.7618% | 5,635 |
Total risk-based capital ratio | 12.0159% | 5,532 |
Memoranda: | ||
Average total assets | $414,687,500 | 1,638 |
Average earning assets | $396,862,500 | 1,581 |
Average equity | $37,056,500 | 1,983 |
Average total loans | $267,248,500 | 1,682 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6902% | 4,395 |
Cost of funding earning assets | 0.1620% | 5,592 |
Net interest margin | 3.5282% | 3,419 |
Noninterest income to average assets | 1.1436% | 903 |
Noninterest expense to average assets | 2.5063% | 4,206 |
Loan and lease loss provision to assets | 0.0605% | 3,093 |
Net operating income to assets | 1.2805% | 1,320 |
Return on assets (ROA) | 1.2817% | 1,354 |
Pretax return on assets | 1.9508% | 600 |
Return on Equity (ROE) | 13.8611% | 862 |
Retained earnings to average equity (ytd only) | 0.6323% | 5,263 |
Net charge-offs to loans | 0.0737% | 2,778 |
Credit loss provision to net charge-offs | 130.9783% | 1,998 |
Earnings coverage of net charge-offs (x) | 43.5272% | 1,094 |
Efficiency ratio | 54.9839% | 5,443 |
Assets per employee ($millions) | 5.2099% | 2,112 |
Cash dividends to net income (ytd only)* | 95.4385% | 489 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8561% | 1,040 |
Loan loss allowance to noncurrent loans | 286.5824% | 1,718 |
Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,905 |
Noncurrent loans to loans | 0.6477% | 3,240 |
Net loans and leases to total assets | 60.4253% | 3,773 |
Net loans and leases to deposits | 68.6161% | 4,067 |
Net loans and leases to core deposits | 71.0586% | 4,207 |
Total domestic deposits to total assets | 88.0629% | 1,597 |
Equity capital to assets | 8.8281% | 5,283 |
Core capital (leverage) ratio | 8.2791% | 5,625 |
Tier 1 risk-based capital ratio | 10.9272% | 5,557 |
Total risk-based capital ratio | 12.1812% | 5,468 |
Memoranda: | ||
Average total assets | $398,548,600 | 1,653 |
Average earning assets | $380,932,400 | 1,605 |
Average equity | $36,851,200 | 1,939 |
Average total loans | $249,788,200 | 1,732 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7018% | 4,417 |
Cost of funding earning assets | 0.1630% | 5,679 |
Net interest margin | 3.5388% | 3,392 |
Noninterest income to average assets | 1.1276% | 946 |
Noninterest expense to average assets | 2.5489% | 4,050 |
Loan and lease loss provision to assets | 0.0738% | 2,695 |
Net operating income to assets | 1.2468% | 1,500 |
Return on assets (ROA) | 1.2484% | 1,544 |
Pretax return on assets | 1.8941% | 735 |
Return on Equity (ROE) | 13.3419% | 1,051 |
Retained earnings to average equity (ytd only) | 0.5027% | 5,475 |
Net charge-offs to loans | 0.0435% | 3,023 |
Credit loss provision to net charge-offs | 269.1358% | 1,071 |
Earnings coverage of net charge-offs (x) | 71.7019% | 800 |
Efficiency ratio | 55.9370% | 5,361 |
Assets per employee ($millions) | 4.9097% | 2,407 |
Cash dividends to net income (ytd only)* | 96.2322% | 426 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9096% | 1,051 |
Loan loss allowance to noncurrent loans | 247.4706% | 1,869 |
Noncurrent assets plus other real estate owned to assets | 0.5273% | 3,732 |
Noncurrent loans to loans | 0.7716% | 3,035 |
Net loans and leases to total assets | 63.3372% | 3,403 |
Net loans and leases to deposits | 71.6385% | 3,812 |
Net loans and leases to core deposits | 74.2957% | 3,984 |
Total domestic deposits to total assets | 88.4123% | 1,333 |
Equity capital to assets | 9.4440% | 4,820 |
Core capital (leverage) ratio | 8.4867% | 5,560 |
Tier 1 risk-based capital ratio | 11.6840% | 5,276 |
Total risk-based capital ratio | 12.9397% | 5,194 |
Memoranda: | ||
Average total assets | $393,987,750 | 1,684 |
Average earning assets | $377,069,500 | 1,624 |
Average equity | $36,865,250 | 1,951 |
Average total loans | $248,082,500 | 1,752 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6846% | 4,452 |
Cost of funding earning assets | 0.1601% | 5,776 |
Net interest margin | 3.5244% | 3,393 |
Noninterest income to average assets | 1.0999% | 1,000 |
Noninterest expense to average assets | 2.5259% | 4,152 |
Loan and lease loss provision to assets | 0.0979% | 2,188 |
Net operating income to assets | 1.2203% | 1,540 |
Return on assets (ROA) | 1.2226% | 1,610 |
Pretax return on assets | 1.8504% | 816 |
Return on Equity (ROE) | 13.1072% | 1,091 |
Retained earnings to average equity (ytd only) | 1.0112% | 5,165 |
Net charge-offs to loans | -0.0171% | 5,114 |
Credit loss provision to net charge-offs | -919.0476% | 5,343 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.9664% | 5,431 |
Assets per employee ($millions) | 4.7747% | 2,578 |
Cash dividends to net income (ytd only)* | 92.2854% | 661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9691% | 1,030 |
Loan loss allowance to noncurrent loans | 276.0943% | 1,723 |
Noncurrent assets plus other real estate owned to assets | 0.4651% | 4,072 |
Noncurrent loans to loans | 0.7132% | 3,350 |
Net loans and leases to total assets | 61.8053% | 3,581 |
Net loans and leases to deposits | 69.5676% | 3,976 |
Net loans and leases to core deposits | 72.3057% | 4,102 |
Total domestic deposits to total assets | 88.8421% | 1,224 |
Equity capital to assets | 9.3293% | 4,861 |
Core capital (leverage) ratio | 8.4553% | 5,574 |
Tier 1 risk-based capital ratio | 11.6536% | 5,365 |
Total risk-based capital ratio | 12.9096% | 5,280 |
Memoranda: | ||
Average total assets | $394,391,330 | 1,697 |
Average earning assets | $377,193,670 | 1,636 |
Average equity | $36,789,000 | 1,957 |
Average total loans | $246,237,670 | 1,769 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6660% | 4,484 |
Cost of funding earning assets | 0.1596% | 5,844 |
Net interest margin | 3.5064% | 3,416 |
Noninterest income to average assets | 1.0075% | 1,105 |
Noninterest expense to average assets | 2.4421% | 4,469 |
Loan and lease loss provision to assets | 0.0996% | 2,032 |
Net operating income to assets | 1.2017% | 1,544 |
Return on assets (ROA) | 1.2017% | 1,638 |
Pretax return on assets | 1.8168% | 841 |
Return on Equity (ROE) | 12.8837% | 1,120 |
Retained earnings to average equity (ytd only) | -4.8287% | 5,926 |
Net charge-offs to loans | -0.0344% | 5,328 |
Credit loss provision to net charge-offs | -466.6667% | 4,806 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.4934% | 5,558 |
Assets per employee ($millions) | 5.2189% | 2,087 |
Cash dividends to net income (ytd only)* | 137.4788% | 420 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9705% | 1,139 |
Loan loss allowance to noncurrent loans | 208.6035% | 2,145 |
Noncurrent assets plus other real estate owned to assets | 0.5932% | 3,702 |
Noncurrent loans to loans | 0.9446% | 2,889 |
Net loans and leases to total assets | 59.7306% | 3,692 |
Net loans and leases to deposits | 67.1913% | 4,036 |
Net loans and leases to core deposits | 69.7856% | 4,178 |
Total domestic deposits to total assets | 88.8963% | 1,338 |
Equity capital to assets | 9.1105% | 5,183 |
Core capital (leverage) ratio | 8.2945% | 5,731 |
Tier 1 risk-based capital ratio | 12.2724% | 5,063 |
Total risk-based capital ratio | 13.5298% | 4,969 |
Memoranda: | ||
Average total assets | $393,436,500 | 1,702 |
Average earning assets | $375,999,000 | 1,643 |
Average equity | $36,697,500 | 1,977 |
Average total loans | $244,429,000 | 1,781 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7485% | 4,649 |
Cost of funding earning assets | 0.1911% | 5,828 |
Net interest margin | 3.5574% | 3,567 |
Noninterest income to average assets | 1.1128% | 987 |
Noninterest expense to average assets | 2.4331% | 4,750 |
Loan and lease loss provision to assets | 0.0246% | 4,114 |
Net operating income to assets | 1.3524% | 1,186 |
Return on assets (ROA) | 1.3609% | 1,205 |
Pretax return on assets | 2.0584% | 456 |
Return on Equity (ROE) | 14.8833% | 799 |
Retained earnings to average equity (ytd only) | 0.8256% | 5,398 |
Net charge-offs to loans | 0.1752% | 2,271 |
Credit loss provision to net charge-offs | 22.9508% | 3,938 |
Earnings coverage of net charge-offs (x) | 19.3302% | 1,789 |
Efficiency ratio | 53.5116% | 5,882 |
Assets per employee ($millions) | 5.0002% | 2,322 |
Cash dividends to net income (ytd only)* | 94.4526% | 472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9287% | 1,246 |
Loan loss allowance to noncurrent loans | 205.6818% | 2,196 |
Noncurrent assets plus other real estate owned to assets | 0.5943% | 3,807 |
Noncurrent loans to loans | 0.9377% | 2,975 |
Net loans and leases to total assets | 62.1521% | 3,479 |
Net loans and leases to deposits | 70.1612% | 3,891 |
Net loans and leases to core deposits | 73.0617% | 4,022 |
Total domestic deposits to total assets | 88.5847% | 1,476 |
Equity capital to assets | 9.5539% | 4,653 |
Core capital (leverage) ratio | 8.3478% | 5,729 |
Tier 1 risk-based capital ratio | 11.8313% | 5,473 |
Total risk-based capital ratio | 13.0870% | 5,378 |
Memoranda: | ||
Average total assets | $398,712,200 | 1,645 |
Average earning assets | $379,994,800 | 1,592 |
Average equity | $36,457,000 | 1,927 |
Average total loans | $243,689,600 | 1,729 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6997% | 4,861 |
Cost of funding earning assets | 0.1976% | 5,855 |
Net interest margin | 3.5021% | 3,818 |
Noninterest income to average assets | 1.0480% | 1,121 |
Noninterest expense to average assets | 2.4422% | 4,691 |
Loan and lease loss provision to assets | 0.1273% | 1,970 |
Net operating income to assets | 1.2111% | 1,642 |
Return on assets (ROA) | 1.2224% | 1,659 |
Pretax return on assets | 1.8335% | 823 |
Return on Equity (ROE) | 13.5144% | 1,091 |
Retained earnings to average equity (ytd only) | 0.6854% | 5,599 |
Net charge-offs to loans | 0.0991% | 2,809 |
Credit loss provision to net charge-offs | 212.1547% | 1,213 |
Earnings coverage of net charge-offs (x) | 32.3919% | 1,303 |
Efficiency ratio | 55.1516% | 5,730 |
Assets per employee ($millions) | 4.9440% | 2,310 |
Cash dividends to net income (ytd only)* | 94.9281% | 425 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1247% | 1,055 |
Loan loss allowance to noncurrent loans | 190.0581% | 2,239 |
Noncurrent assets plus other real estate owned to assets | 0.7210% | 3,646 |
Noncurrent loans to loans | 1.1179% | 2,824 |
Net loans and leases to total assets | 61.7792% | 3,517 |
Net loans and leases to deposits | 69.6409% | 3,962 |
Net loans and leases to core deposits | 72.8074% | 4,074 |
Total domestic deposits to total assets | 88.7110% | 1,394 |
Equity capital to assets | 9.3726% | 4,950 |
Core capital (leverage) ratio | 8.2619% | 5,875 |
Tier 1 risk-based capital ratio | 11.9873% | 5,496 |
Total risk-based capital ratio | 13.2457% | 5,408 |
Memoranda: | ||
Average total assets | $402,136,000 | 1,655 |
Average earning assets | $383,298,750 | 1,597 |
Average equity | $36,375,250 | 1,941 |
Average total loans | $243,611,500 | 1,742 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6400% | 5,040 |
Cost of funding earning assets | 0.2058% | 5,867 |
Net interest margin | 3.4342% | 4,044 |
Noninterest income to average assets | 1.0118% | 1,170 |
Noninterest expense to average assets | 2.4010% | 4,877 |
Loan and lease loss provision to assets | 0.1591% | 1,564 |
Net operating income to assets | 1.1535% | 1,746 |
Return on assets (ROA) | 1.1710% | 1,751 |
Pretax return on assets | 1.7493% | 931 |
Return on Equity (ROE) | 13.0971% | 1,150 |
Retained earnings to average equity (ytd only) | 0.6998% | 5,458 |
Net charge-offs to loans | 0.1129% | 2,533 |
Credit loss provision to net charge-offs | 235.7664% | 1,032 |
Earnings coverage of net charge-offs (x) | 27.8905% | 1,324 |
Efficiency ratio | 55.5147% | 5,792 |
Assets per employee ($millions) | 5.0091% | 2,206 |
Cash dividends to net income (ytd only)* | 94.6571% | 605 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1320% | 1,117 |
Loan loss allowance to noncurrent loans | 187.4686% | 2,262 |
Noncurrent assets plus other real estate owned to assets | 0.6898% | 3,921 |
Noncurrent loans to loans | 1.1373% | 2,956 |
Net loans and leases to total assets | 57.6456% | 4,029 |
Net loans and leases to deposits | 64.4135% | 4,455 |
Net loans and leases to core deposits | 67.3153% | 4,520 |
Total domestic deposits to total assets | 89.4929% | 1,095 |
Equity capital to assets | 8.8140% | 5,507 |
Core capital (leverage) ratio | 7.8793% | 6,168 |
Tier 1 risk-based capital ratio | 12.0776% | 5,496 |
Total risk-based capital ratio | 13.3363% | 5,416 |
Memoranda: | ||
Average total assets | $405,989,670 | 1,640 |
Average earning assets | $386,754,330 | 1,583 |
Average equity | $36,298,000 | 1,931 |
Average total loans | $242,638,000 | 1,738 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6354% | 5,050 |
Cost of funding earning assets | 0.2161% | 5,876 |
Net interest margin | 3.4193% | 4,026 |
Noninterest income to average assets | 0.9873% | 1,157 |
Noninterest expense to average assets | 2.4173% | 4,878 |
Loan and lease loss provision to assets | 0.1606% | 1,515 |
Net operating income to assets | 1.1189% | 1,735 |
Return on assets (ROA) | 1.1209% | 1,794 |
Pretax return on assets | 1.6634% | 1,042 |
Return on Equity (ROE) | 12.4458% | 1,298 |
Retained earnings to average equity (ytd only) | 1.3730% | 5,063 |
Net charge-offs to loans | 0.0629% | 2,531 |
Credit loss provision to net charge-offs | 423.6842% | 623 |
Earnings coverage of net charge-offs (x) | 48.0526% | 774 |
Efficiency ratio | 56.4941% | 5,797 |
Assets per employee ($millions) | 5.0836% | 2,146 |
Cash dividends to net income (ytd only)* | 88.9680% | 829 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1445% | 1,244 |
Loan loss allowance to noncurrent loans | 226.8250% | 1,877 |
Noncurrent assets plus other real estate owned to assets | 0.5657% | 4,453 |
Noncurrent loans to loans | 0.9454% | 3,525 |
Net loans and leases to total assets | 55.7821% | 4,168 |
Net loans and leases to deposits | 62.3927% | 4,507 |
Net loans and leases to core deposits | 65.1994% | 4,579 |
Total domestic deposits to total assets | 89.4048% | 1,420 |
Equity capital to assets | 8.5901% | 5,561 |
Core capital (leverage) ratio | 7.7909% | 6,225 |
Tier 1 risk-based capital ratio | 11.9245% | 5,694 |
Total risk-based capital ratio | 13.1828% | 5,615 |
Memoranda: | ||
Average total assets | $401,105,500 | 1,666 |
Average earning assets | $381,359,500 | 1,615 |
Average equity | $36,124,500 | 1,936 |
Average total loans | $241,513,500 | 1,749 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9054% | 4,439 |
Cost of funding earning assets | 0.2777% | 5,781 |
Net interest margin | 3.6277% | 3,342 |
Noninterest income to average assets | 1.2216% | 941 |
Noninterest expense to average assets | 2.4518% | 4,924 |
Loan and lease loss provision to assets | 0.1961% | 1,890 |
Net operating income to assets | 1.3388% | 1,158 |
Return on assets (ROA) | 1.4201% | 1,022 |
Pretax return on assets | 2.1486% | 340 |
Return on Equity (ROE) | 15.6611% | 666 |
Retained earnings to average equity (ytd only) | 0.6835% | 5,528 |
Net charge-offs to loans | 0.2601% | 2,408 |
Credit loss provision to net charge-offs | 122.1538% | 1,944 |
Earnings coverage of net charge-offs (x) | 13.8400% | 1,988 |
Efficiency ratio | 51.9736% | 6,297 |
Assets per employee ($millions) | 4.4738% | 2,951 |
Cash dividends to net income (ytd only)* | 95.6355% | 515 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0763% | 1,377 |
Loan loss allowance to noncurrent loans | 472.3265% | 1,019 |
Noncurrent assets plus other real estate owned to assets | 0.3022% | 5,359 |
Noncurrent loans to loans | 0.4396% | 4,905 |
Net loans and leases to total assets | 62.4467% | 3,305 |
Net loans and leases to deposits | 70.2953% | 3,746 |
Net loans and leases to core deposits | 73.8418% | 3,855 |
Total domestic deposits to total assets | 88.8349% | 1,730 |
Equity capital to assets | 9.4679% | 4,476 |
Core capital (leverage) ratio | 8.0627% | 6,086 |
Tier 1 risk-based capital ratio | 12.1398% | 5,532 |
Total risk-based capital ratio | 13.3979% | 5,462 |
Memoranda: | ||
Average total assets | $404,970,400 | 1,630 |
Average earning assets | $385,314,400 | 1,567 |
Average equity | $36,721,600 | 1,884 |
Average total loans | $249,947,000 | 1,662 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8828% | 4,567 |
Cost of funding earning assets | 0.2901% | 5,812 |
Net interest margin | 3.5926% | 3,477 |
Noninterest income to average assets | 1.2054% | 1,001 |
Noninterest expense to average assets | 2.4685% | 4,813 |
Loan and lease loss provision to assets | 0.2526% | 1,412 |
Net operating income to assets | 1.2649% | 1,443 |
Return on assets (ROA) | 1.3717% | 1,217 |
Pretax return on assets | 2.0673% | 505 |
Return on Equity (ROE) | 15.2838% | 752 |
Retained earnings to average equity (ytd only) | 1.7343% | 5,273 |
Net charge-offs to loans | 0.2266% | 2,456 |
Credit loss provision to net charge-offs | 182.0093% | 1,331 |
Earnings coverage of net charge-offs (x) | 15.5491% | 1,854 |
Efficiency ratio | 52.8633% | 6,193 |
Assets per employee ($millions) | 4.8658% | 2,349 |
Cash dividends to net income (ytd only)* | 88.6526% | 593 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1159% | 1,471 |
Loan loss allowance to noncurrent loans | 535.9918% | 836 |
Noncurrent assets plus other real estate owned to assets | 0.2841% | 5,588 |
Noncurrent loans to loans | 0.3948% | 5,209 |
Net loans and leases to total assets | 59.3321% | 3,801 |
Net loans and leases to deposits | 66.4012% | 4,255 |
Net loans and leases to core deposits | 69.4599% | 4,375 |
Total domestic deposits to total assets | 89.3539% | 1,384 |
Equity capital to assets | 8.9009% | 5,301 |
Core capital (leverage) ratio | 7.9428% | 6,261 |
Tier 1 risk-based capital ratio | 11.9846% | 5,786 |
Total risk-based capital ratio | 13.2430% | 5,722 |
Memoranda: | ||
Average total assets | $411,144,750 | 1,616 |
Average earning assets | $391,530,500 | 1,553 |
Average equity | $36,901,000 | 1,887 |
Average total loans | $251,808,000 | 1,652 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9274% | 4,368 |
Cost of funding earning assets | 0.3117% | 5,744 |
Net interest margin | 3.6157% | 3,300 |
Noninterest income to average assets | 1.1827% | 1,087 |
Noninterest expense to average assets | 2.4314% | 4,960 |
Loan and lease loss provision to assets | 0.2986% | 1,213 |
Net operating income to assets | 1.2597% | 1,434 |
Return on assets (ROA) | 1.4055% | 1,155 |
Pretax return on assets | 2.1148% | 487 |
Return on Equity (ROE) | 15.6171% | 713 |
Retained earnings to average equity (ytd only) | 2.1308% | 4,917 |
Net charge-offs to loans | 0.2425% | 2,267 |
Credit loss provision to net charge-offs | 200.3257% | 1,182 |
Earnings coverage of net charge-offs (x) | 14.7101% | 1,802 |
Efficiency ratio | 52.1000% | 6,273 |
Assets per employee ($millions) | 4.7981% | 2,379 |
Cash dividends to net income (ytd only)* | 86.3558% | 760 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0739% | 1,694 |
Loan loss allowance to noncurrent loans | 544.9686% | 799 |
Noncurrent assets plus other real estate owned to assets | 0.3972% | 5,289 |
Noncurrent loans to loans | 0.3805% | 5,326 |
Net loans and leases to total assets | 59.4938% | 3,749 |
Net loans and leases to deposits | 66.4329% | 4,213 |
Net loans and leases to core deposits | 70.1505% | 4,263 |
Total domestic deposits to total assets | 89.5546% | 1,290 |
Equity capital to assets | 8.8359% | 5,405 |
Core capital (leverage) ratio | 7.8655% | 6,267 |
Tier 1 risk-based capital ratio | 11.6725% | 6,011 |
Total risk-based capital ratio | 12.9305% | 5,958 |
Memoranda: | ||
Average total assets | $411,952,000 | 1,613 |
Average earning assets | $392,069,330 | 1,551 |
Average equity | $37,074,670 | 1,887 |
Average total loans | $253,162,000 | 1,643 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9919% | 4,154 |
Cost of funding earning assets | 0.3304% | 5,720 |
Net interest margin | 3.6615% | 3,028 |
Noninterest income to average assets | 1.1778% | 1,083 |
Noninterest expense to average assets | 2.3624% | 5,225 |
Loan and lease loss provision to assets | 0.3712% | 859 |
Net operating income to assets | 1.2857% | 1,322 |
Return on assets (ROA) | 1.2857% | 1,422 |
Pretax return on assets | 1.9222% | 702 |
Return on Equity (ROE) | 14.1565% | 935 |
Retained earnings to average equity (ytd only) | 0.7811% | 5,524 |
Net charge-offs to loans | 0.1965% | 2,237 |
Credit loss provision to net charge-offs | 305.6000% | 783 |
Earnings coverage of net charge-offs (x) | 18.8800% | 1,244 |
Efficiency ratio | 50.2609% | 6,486 |
Assets per employee ($millions) | 4.9733% | 2,248 |
Cash dividends to net income (ytd only)* | 94.4822% | 708 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0165% | 2,000 |
Loan loss allowance to noncurrent loans | 373.3140% | 1,092 |
Noncurrent assets plus other real estate owned to assets | 0.4528% | 5,244 |
Noncurrent loans to loans | 0.5401% | 5,098 |
Net loans and leases to total assets | 59.1752% | 3,576 |
Net loans and leases to deposits | 66.3678% | 4,007 |
Net loans and leases to core deposits | 70.0700% | 4,074 |
Total domestic deposits to total assets | 89.1626% | 1,592 |
Equity capital to assets | 8.8295% | 5,689 |
Core capital (leverage) ratio | 7.6261% | 6,403 |
Tier 1 risk-based capital ratio | 11.1743% | 6,330 |
Total risk-based capital ratio | 12.4311% | 6,305 |
Memoranda: | ||
Average total assets | $411,611,500 | 1,631 |
Average earning assets | $390,990,500 | 1,568 |
Average equity | $37,382,000 | 1,897 |
Average total loans | $254,398,000 | 1,642 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1579% | 4,744 |
Cost of funding earning assets | 0.3820% | 6,041 |
Net interest margin | 3.7758% | 3,336 |
Noninterest income to average assets | 1.2677% | 970 |
Noninterest expense to average assets | 2.4422% | 5,279 |
Loan and lease loss provision to assets | 0.3776% | 1,733 |
Net operating income to assets | 1.3726% | 1,147 |
Return on assets (ROA) | 1.3775% | 1,257 |
Pretax return on assets | 2.0545% | 542 |
Return on Equity (ROE) | 14.9912% | 810 |
Retained earnings to average equity (ytd only) | 0.2183% | 5,738 |
Net charge-offs to loans | 0.2891% | 3,212 |
Credit loss provision to net charge-offs | 218.3876% | 1,155 |
Earnings coverage of net charge-offs (x) | 14.0226% | 1,773 |
Efficiency ratio | 49.7110% | 6,609 |
Assets per employee ($millions) | 4.6034% | 2,780 |
Cash dividends to net income (ytd only)* | 98.5440% | 509 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9294% | 2,200 |
Loan loss allowance to noncurrent loans | 427.1616% | 940 |
Noncurrent assets plus other real estate owned to assets | 0.4395% | 5,388 |
Noncurrent loans to loans | 0.4517% | 5,376 |
Net loans and leases to total assets | 62.0749% | 3,236 |
Net loans and leases to deposits | 71.6643% | 3,466 |
Net loans and leases to core deposits | 76.1590% | 3,513 |
Total domestic deposits to total assets | 86.6190% | 3,034 |
Equity capital to assets | 9.3483% | 5,083 |
Core capital (leverage) ratio | 7.9314% | 6,258 |
Tier 1 risk-based capital ratio | 11.3534% | 6,188 |
Total risk-based capital ratio | 12.6096% | 6,158 |
Memoranda: | ||
Average total assets | $408,860,400 | 1,599 |
Average earning assets | $389,742,200 | 1,544 |
Average equity | $37,568,800 | 1,849 |
Average total loans | $244,584,400 | 1,687 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1729% | 4,909 |
Cost of funding earning assets | 0.3953% | 6,146 |
Net interest margin | 3.7777% | 3,431 |
Noninterest income to average assets | 1.1939% | 1,062 |
Noninterest expense to average assets | 2.4486% | 5,243 |
Loan and lease loss provision to assets | 0.3410% | 1,920 |
Net operating income to assets | 1.3567% | 1,315 |
Return on assets (ROA) | 1.3636% | 1,433 |
Pretax return on assets | 2.0271% | 669 |
Return on Equity (ROE) | 14.9034% | 924 |
Retained earnings to average equity (ytd only) | 4.9749% | 3,380 |
Net charge-offs to loans | 0.2267% | 3,363 |
Credit loss provision to net charge-offs | 255.0971% | 1,077 |
Earnings coverage of net charge-offs (x) | 17.6383% | 1,610 |
Efficiency ratio | 50.4725% | 6,551 |
Assets per employee ($millions) | 4.6933% | 2,609 |
Cash dividends to net income (ytd only)* | 66.6191% | 1,032 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8877% | 2,519 |
Loan loss allowance to noncurrent loans | 311.4134% | 1,196 |
Noncurrent assets plus other real estate owned to assets | 0.4384% | 5,572 |
Noncurrent loans to loans | 0.6062% | 5,226 |
Net loans and leases to total assets | 59.7356% | 3,829 |
Net loans and leases to deposits | 67.5352% | 4,252 |
Net loans and leases to core deposits | 71.9193% | 4,263 |
Total domestic deposits to total assets | 88.4511% | 1,753 |
Equity capital to assets | 9.5223% | 5,176 |
Core capital (leverage) ratio | 8.2917% | 6,024 |
Tier 1 risk-based capital ratio | 12.2958% | 5,766 |
Total risk-based capital ratio | 13.5519% | 5,735 |
Memoranda: | ||
Average total assets | $410,952,500 | 1,607 |
Average earning assets | $392,967,000 | 1,546 |
Average equity | $37,601,250 | 1,868 |
Average total loans | $242,356,500 | 1,713 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1856% | 5,002 |
Cost of funding earning assets | 0.4069% | 6,228 |
Net interest margin | 3.7787% | 3,460 |
Noninterest income to average assets | 1.1854% | 1,012 |
Noninterest expense to average assets | 2.4258% | 5,366 |
Loan and lease loss provision to assets | 0.3181% | 2,079 |
Net operating income to assets | 1.3693% | 1,257 |
Return on assets (ROA) | 1.3797% | 1,387 |
Pretax return on assets | 2.0693% | 609 |
Return on Equity (ROE) | 15.2846% | 892 |
Retained earnings to average equity (ytd only) | 0.2206% | 5,969 |
Net charge-offs to loans | 0.2389% | 3,140 |
Credit loss provision to net charge-offs | 228.2230% | 1,250 |
Earnings coverage of net charge-offs (x) | 17.0174% | 1,554 |
Efficiency ratio | 50.0860% | 6,644 |
Assets per employee ($millions) | 4.6575% | 2,628 |
Cash dividends to net income (ytd only)* | 98.5568% | 447 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7768% | 2,937 |
Loan loss allowance to noncurrent loans | 286.2136% | 1,246 |
Noncurrent assets plus other real estate owned to assets | 0.4444% | 5,664 |
Noncurrent loans to loans | 0.6208% | 5,269 |
Net loans and leases to total assets | 58.9731% | 3,995 |
Net loans and leases to deposits | 67.5166% | 4,283 |
Net loans and leases to core deposits | 71.9215% | 4,304 |
Total domestic deposits to total assets | 87.3460% | 2,568 |
Equity capital to assets | 8.9815% | 5,718 |
Core capital (leverage) ratio | 7.7140% | 6,506 |
Tier 1 risk-based capital ratio | 11.3810% | 6,291 |
Total risk-based capital ratio | 12.6354% | 6,261 |
Memoranda: | ||
Average total assets | $411,831,330 | 1,610 |
Average earning assets | $393,685,000 | 1,543 |
Average equity | $37,174,670 | 1,874 |
Average total loans | $240,274,330 | 1,720 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1507% | 5,276 |
Cost of funding earning assets | 0.4186% | 6,320 |
Net interest margin | 3.7321% | 3,684 |
Noninterest income to average assets | 1.2288% | 944 |
Noninterest expense to average assets | 2.4615% | 5,283 |
Loan and lease loss provision to assets | 0.3060% | 2,058 |
Net operating income to assets | 1.3483% | 1,328 |
Return on assets (ROA) | 1.3496% | 1,478 |
Pretax return on assets | 2.0249% | 705 |
Return on Equity (ROE) | 14.9137% | 985 |
Retained earnings to average equity (ytd only) | 1.9921% | 5,273 |
Net charge-offs to loans | 0.0898% | 3,619 |
Credit loss provision to net charge-offs | 592.4528% | 576 |
Earnings coverage of net charge-offs (x) | 45.0943% | 684 |
Efficiency ratio | 50.9154% | 6,616 |
Assets per employee ($millions) | 4.5162% | 2,962 |
Cash dividends to net income (ytd only)* | 86.6426% | 708 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7948% | 3,012 |
Loan loss allowance to noncurrent loans | 195.1606% | 1,689 |
Noncurrent assets plus other real estate owned to assets | 0.5740% | 5,456 |
Noncurrent loans to loans | 0.9197% | 4,828 |
Net loans and leases to total assets | 56.2128% | 4,349 |
Net loans and leases to deposits | 64.0015% | 4,638 |
Net loans and leases to core deposits | 68.2932% | 4,650 |
Total domestic deposits to total assets | 87.8305% | 2,431 |
Equity capital to assets | 8.8646% | 5,677 |
Core capital (leverage) ratio | 7.7931% | 6,417 |
Tier 1 risk-based capital ratio | 11.2736% | 6,405 |
Total risk-based capital ratio | 12.5272% | 6,382 |
Memoranda: | ||
Average total assets | $410,488,000 | 1,618 |
Average earning assets | $391,736,500 | 1,554 |
Average equity | $37,147,000 | 1,876 |
Average total loans | $235,973,500 | 1,752 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5060% | 5,053 |
Cost of funding earning assets | 0.5755% | 6,206 |
Net interest margin | 3.9305% | 3,204 |
Noninterest income to average assets | 1.1726% | 954 |
Noninterest expense to average assets | 2.7771% | 4,439 |
Loan and lease loss provision to assets | 0.3384% | 2,988 |
Net operating income to assets | 1.2084% | 1,493 |
Return on assets (ROA) | 1.2045% | 1,610 |
Pretax return on assets | 1.8126% | 787 |
Return on Equity (ROE) | 13.2864% | 1,095 |
Retained earnings to average equity (ytd only) | -0.1292% | 5,874 |
Net charge-offs to loans | 0.5416% | 2,845 |
Credit loss provision to net charge-offs | 106.2205% | 3,203 |
Earnings coverage of net charge-offs (x) | 6.7700% | 2,451 |
Efficiency ratio | 56.1439% | 6,296 |
Assets per employee ($millions) | 3.8929% | 4,095 |
Cash dividends to net income (ytd only)* | 100.9723% | 308 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7509% | 3,028 |
Loan loss allowance to noncurrent loans | 129.9776% | 2,435 |
Noncurrent assets plus other real estate owned to assets | 0.8746% | 4,879 |
Noncurrent loans to loans | 1.3471% | 4,124 |
Net loans and leases to total assets | 56.7326% | 4,588 |
Net loans and leases to deposits | 63.9561% | 5,014 |
Net loans and leases to core deposits | 68.1642% | 5,007 |
Total domestic deposits to total assets | 88.7056% | 1,717 |
Equity capital to assets | 9.2432% | 5,223 |
Core capital (leverage) ratio | 7.7673% | 6,472 |
Tier 1 risk-based capital ratio | 12.7047% | 5,303 |
Total risk-based capital ratio | 13.9596% | 5,278 |
Memoranda: | ||
Average total assets | $333,009,400 | 1,943 |
Average earning assets | $318,685,000 | 1,847 |
Average equity | $30,188,800 | 2,181 |
Average total loans | $195,911,800 | 2,076 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5166% | 5,211 |
Cost of funding earning assets | 0.6148% | 6,215 |
Net interest margin | 3.9019% | 3,373 |
Noninterest income to average assets | 1.1657% | 968 |
Noninterest expense to average assets | 2.6301% | 4,972 |
Loan and lease loss provision to assets | 0.2578% | 3,441 |
Net operating income to assets | 1.3244% | 1,315 |
Return on assets (ROA) | 1.3244% | 1,406 |
Pretax return on assets | 2.0213% | 604 |
Return on Equity (ROE) | 14.7002% | 892 |
Retained earnings to average equity (ytd only) | 6.2707% | 2,388 |
Net charge-offs to loans | 0.4813% | 2,811 |
Credit loss provision to net charge-offs | 90.5185% | 3,755 |
Earnings coverage of net charge-offs (x) | 8.0029% | 2,260 |
Efficiency ratio | 53.5751% | 6,537 |
Assets per employee ($millions) | 4.3925% | 3,088 |
Cash dividends to net income (ytd only)* | 57.3431% | 1,309 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0533% | 2,195 |
Loan loss allowance to noncurrent loans | 105.3140% | 2,834 |
Noncurrent assets plus other real estate owned to assets | 1.1463% | 4,492 |
Noncurrent loans to loans | 1.9497% | 3,428 |
Net loans and leases to total assets | 57.5881% | 4,568 |
Net loans and leases to deposits | 67.3174% | 4,720 |
Net loans and leases to core deposits | 72.8294% | 4,602 |
Total domestic deposits to total assets | 85.5471% | 3,464 |
Equity capital to assets | 11.7440% | 2,455 |
Core capital (leverage) ratio | 11.1806% | 2,252 |
Tier 1 risk-based capital ratio | 17.3263% | 2,514 |
Total risk-based capital ratio | 18.5847% | 2,474 |
Memoranda: | ||
Average total assets | $316,020,000 | 2,034 |
Average earning assets | $303,198,750 | 1,948 |
Average equity | $28,470,500 | 2,304 |
Average total loans | $187,006,500 | 2,177 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5048% | 5,340 |
Cost of funding earning assets | 0.6439% | 6,253 |
Net interest margin | 3.8609% | 3,485 |
Noninterest income to average assets | 1.1616% | 943 |
Noninterest expense to average assets | 2.6529% | 4,995 |
Loan and lease loss provision to assets | 0.2562% | 3,352 |
Net operating income to assets | 1.2734% | 1,386 |
Return on assets (ROA) | 1.2734% | 1,452 |
Pretax return on assets | 1.9533% | 639 |
Return on Equity (ROE) | 15.7947% | 688 |
Retained earnings to average equity (ytd only) | 1.5295% | 5,215 |
Net charge-offs to loans | 0.6529% | 2,216 |
Credit loss provision to net charge-offs | 66.1716% | 4,167 |
Earnings coverage of net charge-offs (x) | 5.7063% | 2,547 |
Efficiency ratio | 54.5598% | 6,567 |
Assets per employee ($millions) | 4.0607% | 3,625 |
Cash dividends to net income (ytd only)* | 90.3161% | 594 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0449% | 2,245 |
Loan loss allowance to noncurrent loans | 84.8016% | 3,338 |
Noncurrent assets plus other real estate owned to assets | 1.4427% | 4,050 |
Noncurrent loans to loans | 2.4114% | 2,978 |
Net loans and leases to total assets | 57.9562% | 4,637 |
Net loans and leases to deposits | 65.0389% | 5,145 |
Net loans and leases to core deposits | 70.4622% | 5,015 |
Total domestic deposits to total assets | 89.1101% | 1,475 |
Equity capital to assets | 8.2418% | 6,478 |
Core capital (leverage) ratio | 7.6072% | 6,662 |
Tier 1 risk-based capital ratio | 11.7564% | 5,967 |
Total risk-based capital ratio | 13.0145% | 5,959 |
Memoranda: | ||
Average total assets | $313,012,330 | 2,053 |
Average earning assets | $300,033,000 | 1,973 |
Average equity | $25,236,330 | 2,534 |
Average total loans | $185,638,670 | 2,215 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4789% | 5,404 |
Cost of funding earning assets | 0.6671% | 6,308 |
Net interest margin | 3.8118% | 3,557 |
Noninterest income to average assets | 1.1508% | 981 |
Noninterest expense to average assets | 2.6413% | 5,079 |
Loan and lease loss provision to assets | 0.2503% | 3,154 |
Net operating income to assets | 1.2363% | 1,437 |
Return on assets (ROA) | 1.2363% | 1,490 |
Pretax return on assets | 1.9082% | 668 |
Return on Equity (ROE) | 15.5069% | 738 |
Retained earnings to average equity (ytd only) | 1.0893% | 5,390 |
Net charge-offs to loans | 0.1807% | 3,407 |
Credit loss provision to net charge-offs | 233.3333% | 1,316 |
Earnings coverage of net charge-offs (x) | 20.1190% | 1,115 |
Efficiency ratio | 55.0293% | 6,602 |
Assets per employee ($millions) | 4.3030% | 3,240 |
Cash dividends to net income (ytd only)* | 92.9752% | 666 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2410% | 1,877 |
Loan loss allowance to noncurrent loans | 80.8679% | 3,492 |
Noncurrent assets plus other real estate owned to assets | 1.6984% | 3,706 |
Noncurrent loans to loans | 2.7712% | 2,730 |
Net loans and leases to total assets | 57.7290% | 4,685 |
Net loans and leases to deposits | 64.5166% | 5,185 |
Net loans and leases to core deposits | 69.8565% | 5,059 |
Total domestic deposits to total assets | 89.4792% | 1,493 |
Equity capital to assets | 8.0664% | 6,429 |
Core capital (leverage) ratio | 7.3834% | 6,804 |
Tier 1 risk-based capital ratio | 11.9655% | 5,728 |
Total risk-based capital ratio | 13.2264% | 5,704 |
Memoranda: | ||
Average total assets | $313,181,500 | 2,080 |
Average earning assets | $299,804,000 | 1,988 |
Average equity | $24,969,500 | 2,548 |
Average total loans | $185,959,500 | 2,237 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7957% | 5,423 |
Cost of funding earning assets | 0.8499% | 6,369 |
Net interest margin | 3.9459% | 3,276 |
Noninterest income to average assets | 1.2993% | 870 |
Noninterest expense to average assets | 2.6719% | 5,116 |
Loan and lease loss provision to assets | 0.3042% | 4,370 |
Net operating income to assets | 1.3329% | 1,100 |
Return on assets (ROA) | 1.3335% | 1,170 |
Pretax return on assets | 2.0890% | 396 |
Return on Equity (ROE) | 17.0162% | 478 |
Retained earnings to average equity (ytd only) | 7.2086% | 1,234 |
Net charge-offs to loans | 0.2572% | 4,747 |
Credit loss provision to net charge-offs | 192.3077% | 1,664 |
Earnings coverage of net charge-offs (x) | 15.1215% | 1,298 |
Efficiency ratio | 52.7604% | 6,923 |
Assets per employee ($millions) | 4.2777% | 3,251 |
Cash dividends to net income (ytd only)* | 57.6369% | 1,729 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1104% | 2,049 |
Loan loss allowance to noncurrent loans | 75.8319% | 3,696 |
Noncurrent assets plus other real estate owned to assets | 1.7561% | 3,673 |
Noncurrent loans to loans | 2.7830% | 2,739 |
Net loans and leases to total assets | 58.4360% | 4,962 |
Net loans and leases to deposits | 66.8404% | 5,285 |
Net loans and leases to core deposits | 72.9363% | 5,106 |
Total domestic deposits to total assets | 87.4262% | 2,598 |
Equity capital to assets | 7.8813% | 6,609 |
Core capital (leverage) ratio | 7.3854% | 6,798 |
Tier 1 risk-based capital ratio | 11.6811% | 5,742 |
Total risk-based capital ratio | 12.9404% | 5,743 |
Memoranda: | ||
Average total assets | $312,254,000 | 2,078 |
Average earning assets | $297,932,200 | 1,995 |
Average equity | $24,470,800 | 2,611 |
Average total loans | $192,067,600 | 2,233 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8769% | 5,377 |
Cost of funding earning assets | 0.8915% | 6,428 |
Net interest margin | 3.9854% | 3,169 |
Noninterest income to average assets | 1.2293% | 915 |
Noninterest expense to average assets | 2.7443% | 4,703 |
Loan and lease loss provision to assets | 0.2691% | 4,431 |
Net operating income to assets | 1.2884% | 1,358 |
Return on assets (ROA) | 1.2893% | 1,442 |
Pretax return on assets | 2.0172% | 600 |
Return on Equity (ROE) | 16.4750% | 653 |
Retained earnings to average equity (ytd only) | 6.6196% | 2,032 |
Net charge-offs to loans | 0.2766% | 4,285 |
Credit loss provision to net charge-offs | 157.0000% | 2,436 |
Earnings coverage of net charge-offs (x) | 13.3325% | 1,589 |
Efficiency ratio | 54.5664% | 6,735 |
Assets per employee ($millions) | 4.2540% | 3,347 |
Cash dividends to net income (ytd only)* | 59.8205% | 1,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9661% | 2,305 |
Loan loss allowance to noncurrent loans | 81.5265% | 3,326 |
Noncurrent assets plus other real estate owned to assets | 1.7049% | 3,892 |
Noncurrent loans to loans | 2.4116% | 3,224 |
Net loans and leases to total assets | 59.5585% | 4,987 |
Net loans and leases to deposits | 66.7393% | 5,576 |
Net loans and leases to core deposits | 73.4516% | 5,360 |
Total domestic deposits to total assets | 89.2405% | 1,256 |
Equity capital to assets | 7.9716% | 6,819 |
Core capital (leverage) ratio | 7.3718% | 6,963 |
Tier 1 risk-based capital ratio | 11.2296% | 6,162 |
Total risk-based capital ratio | 12.4873% | 6,154 |
Memoranda: | ||
Average total assets | $311,180,500 | 2,120 |
Average earning assets | $296,709,250 | 2,028 |
Average equity | $24,351,500 | 2,667 |
Average total loans | $192,843,000 | 2,262 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9170% | 5,315 |
Cost of funding earning assets | 0.9303% | 6,464 |
Net interest margin | 3.9867% | 3,081 |
Noninterest income to average assets | 1.1369% | 1,010 |
Noninterest expense to average assets | 2.7009% | 4,903 |
Loan and lease loss provision to assets | 0.2581% | 4,355 |
Net operating income to assets | 1.2692% | 1,383 |
Return on assets (ROA) | 1.2704% | 1,445 |
Pretax return on assets | 1.9789% | 628 |
Return on Equity (ROE) | 16.3375% | 658 |
Retained earnings to average equity (ytd only) | 6.3807% | 2,130 |
Net charge-offs to loans | 0.2389% | 4,169 |
Credit loss provision to net charge-offs | 173.1602% | 2,255 |
Earnings coverage of net charge-offs (x) | 14.9957% | 1,484 |
Efficiency ratio | 54.7190% | 6,794 |
Assets per employee ($millions) | 3.9106% | 3,945 |
Cash dividends to net income (ytd only)* | 60.9446% | 1,288 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9167% | 2,376 |
Loan loss allowance to noncurrent loans | 120.3969% | 2,322 |
Noncurrent assets plus other real estate owned to assets | 1.3216% | 4,509 |
Noncurrent loans to loans | 1.5920% | 4,319 |
Net loans and leases to total assets | 61.3049% | 4,818 |
Net loans and leases to deposits | 68.5909% | 5,477 |
Net loans and leases to core deposits | 75.8811% | 5,208 |
Total domestic deposits to total assets | 89.3775% | 1,237 |
Equity capital to assets | 7.9951% | 6,755 |
Core capital (leverage) ratio | 7.2200% | 7,056 |
Tier 1 risk-based capital ratio | 10.9728% | 6,266 |
Total risk-based capital ratio | 12.2297% | 6,248 |
Memoranda: | ||
Average total assets | $309,976,330 | 2,148 |
Average earning assets | $295,381,330 | 2,055 |
Average equity | $24,104,000 | 2,685 |
Average total loans | $193,375,330 | 2,283 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8997% | 5,461 |
Cost of funding earning assets | 0.9626% | 6,533 |
Net interest margin | 3.9371% | 3,161 |
Noninterest income to average assets | 1.1259% | 987 |
Noninterest expense to average assets | 2.7079% | 4,871 |
Loan and lease loss provision to assets | 0.2873% | 3,729 |
Net operating income to assets | 1.2007% | 1,538 |
Return on assets (ROA) | 1.2007% | 1,614 |
Pretax return on assets | 1.8718% | 771 |
Return on Equity (ROE) | 15.6599% | 773 |
Retained earnings to average equity (ytd only) | 5.5784% | 2,824 |
Net charge-offs to loans | 0.3989% | 2,850 |
Credit loss provision to net charge-offs | 115.5440% | 3,012 |
Earnings coverage of net charge-offs (x) | 8.6839% | 1,932 |
Efficiency ratio | 55.6379% | 6,818 |
Assets per employee ($millions) | 4.1943% | 3,473 |
Cash dividends to net income (ytd only)* | 64.3777% | 1,147 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8420% | 2,603 |
Loan loss allowance to noncurrent loans | 102.8885% | 2,693 |
Noncurrent assets plus other real estate owned to assets | 1.4909% | 4,273 |
Noncurrent loans to loans | 1.7903% | 4,061 |
Net loans and leases to total assets | 60.3421% | 5,066 |
Net loans and leases to deposits | 67.3037% | 5,677 |
Net loans and leases to core deposits | 75.0833% | 5,377 |
Total domestic deposits to total assets | 89.6564% | 1,157 |
Equity capital to assets | 7.6196% | 6,982 |
Core capital (leverage) ratio | 7.2181% | 7,093 |
Tier 1 risk-based capital ratio | 10.7247% | 6,414 |
Total risk-based capital ratio | 11.9810% | 6,393 |
Memoranda: | ||
Average total assets | $310,495,500 | 2,194 |
Average earning assets | $295,038,500 | 2,115 |
Average equity | $23,806,000 | 2,740 |
Average total loans | $193,515,500 | 2,336 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4728% | 4,308 |
Cost of funding earning assets | 1.2653% | 6,423 |
Net interest margin | 4.2075% | 2,040 |
Noninterest income to average assets | 1.4068% | 740 |
Noninterest expense to average assets | 2.7722% | 5,080 |
Loan and lease loss provision to assets | 0.4509% | 4,124 |
Net operating income to assets | 1.4005% | 852 |
Return on assets (ROA) | 1.4005% | 911 |
Pretax return on assets | 2.1894% | 282 |
Return on Equity (ROE) | 17.3242% | 424 |
Retained earnings to average equity (ytd only) | 1.8562% | 3,800 |
Net charge-offs to loans | 0.5160% | 3,712 |
Credit loss provision to net charge-offs | 129.2829% | 3,975 |
Earnings coverage of net charge-offs (x) | 7.5707% | 2,124 |
Efficiency ratio | 51.2194% | 7,451 |
Assets per employee ($millions) | 4.0319% | 3,754 |
Cash dividends to net income (ytd only)* | 89.2857% | 877 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8239% | 2,470 |
Loan loss allowance to noncurrent loans | 68.9574% | 3,960 |
Noncurrent assets plus other real estate owned to assets | 1.8941% | 3,539 |
Noncurrent loans to loans | 2.6450% | 2,905 |
Net loans and leases to total assets | 62.0450% | 4,982 |
Net loans and leases to deposits | 69.3602% | 5,686 |
Net loans and leases to core deposits | 83.5053% | 5,766 |
Total domestic deposits to total assets | 89.4534% | 1,240 |
Equity capital to assets | 7.7159% | 6,843 |
Core capital (leverage) ratio | 7.3479% | 6,943 |
Tier 1 risk-based capital ratio | 10.7425% | 6,161 |
Total risk-based capital ratio | 11.9988% | 6,132 |
Memoranda: | ||
Average total assets | $287,893,000 | 2,291 |
Average earning assets | $274,083,000 | 2,212 |
Average equity | $23,273,800 | 2,799 |
Average total loans | $194,588,800 | 2,345 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5626% | 4,083 |
Cost of funding earning assets | 1.3217% | 6,485 |
Net interest margin | 4.2409% | 1,901 |
Noninterest income to average assets | 1.4432% | 711 |
Noninterest expense to average assets | 2.8868% | 4,515 |
Loan and lease loss provision to assets | 0.3257% | 4,378 |
Net operating income to assets | 1.4568% | 904 |
Return on assets (ROA) | 1.4568% | 962 |
Pretax return on assets | 2.2768% | 299 |
Return on Equity (ROE) | 17.8011% | 476 |
Retained earnings to average equity (ytd only) | 0.5464% | 4,982 |
Net charge-offs to loans | 0.4551% | 3,411 |
Credit loss provision to net charge-offs | 104.0602% | 4,885 |
Earnings coverage of net charge-offs (x) | 8.3143% | 2,270 |
Efficiency ratio | 52.5896% | 7,362 |
Assets per employee ($millions) | 3.7467% | 4,319 |
Cash dividends to net income (ytd only)* | 96.9306% | 620 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6631% | 2,756 |
Loan loss allowance to noncurrent loans | 61.7552% | 4,259 |
Noncurrent assets plus other real estate owned to assets | 1.9539% | 3,409 |
Noncurrent loans to loans | 2.6931% | 2,814 |
Net loans and leases to total assets | 66.9172% | 4,205 |
Net loans and leases to deposits | 76.0441% | 5,035 |
Net loans and leases to core deposits | 92.1609% | 5,216 |
Total domestic deposits to total assets | 87.9978% | 1,654 |
Equity capital to assets | 8.1377% | 6,706 |
Core capital (leverage) ratio | 7.5354% | 6,932 |
Tier 1 risk-based capital ratio | 10.6764% | 6,270 |
Total risk-based capital ratio | 11.9312% | 6,245 |
Memoranda: | ||
Average total assets | $283,261,000 | 2,337 |
Average earning assets | $270,248,750 | 2,257 |
Average equity | $23,181,500 | 2,835 |
Average total loans | $194,823,250 | 2,374 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6091% | 4,025 |
Cost of funding earning assets | 1.3554% | 6,630 |
Net interest margin | 4.2536% | 1,806 |
Noninterest income to average assets | 1.4948% | 662 |
Noninterest expense to average assets | 2.8602% | 4,685 |
Loan and lease loss provision to assets | 0.2707% | 4,417 |
Net operating income to assets | 1.5424% | 764 |
Return on assets (ROA) | 1.5424% | 820 |
Pretax return on assets | 2.4127% | 245 |
Return on Equity (ROE) | 18.8104% | 417 |
Retained earnings to average equity (ytd only) | 0.6152% | 4,942 |
Net charge-offs to loans | 0.2069% | 4,220 |
Credit loss provision to net charge-offs | 189.5522% | 2,410 |
Earnings coverage of net charge-offs (x) | 18.7910% | 1,393 |
Efficiency ratio | 51.5955% | 7,549 |
Assets per employee ($millions) | 3.4730% | 4,886 |
Cash dividends to net income (ytd only)* | 96.7296% | 763 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7893% | 2,078 |
Loan loss allowance to noncurrent loans | 59.3609% | 4,495 |
Noncurrent assets plus other real estate owned to assets | 2.2406% | 2,902 |
Noncurrent loans to loans | 3.0142% | 2,391 |
Net loans and leases to total assets | 66.6908% | 4,422 |
Net loans and leases to deposits | 76.0442% | 5,169 |
Net loans and leases to core deposits | 91.7116% | 5,375 |
Total domestic deposits to total assets | 87.7000% | 1,929 |
Equity capital to assets | 8.2638% | 6,392 |
Core capital (leverage) ratio | 7.6100% | 6,884 |
Tier 1 risk-based capital ratio | 10.9274% | 5,958 |
Total risk-based capital ratio | 12.1835% | 5,892 |
Memoranda: | ||
Average total assets | $281,515,670 | 2,369 |
Average earning assets | $267,958,670 | 2,288 |
Average equity | $23,083,000 | 2,852 |
Average total loans | $194,324,670 | 2,409 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6687% | 3,949 |
Cost of funding earning assets | 1.3765% | 6,795 |
Net interest margin | 4.2922% | 1,626 |
Noninterest income to average assets | 1.4445% | 674 |
Noninterest expense to average assets | 2.6859% | 5,073 |
Loan and lease loss provision to assets | 0.2159% | 4,289 |
Net operating income to assets | 1.6760% | 681 |
Return on assets (ROA) | 1.6760% | 749 |
Pretax return on assets | 2.6262% | 203 |
Return on Equity (ROE) | 20.5208% | 390 |
Retained earnings to average equity (ytd only) | 2.2608% | 4,619 |
Net charge-offs to loans | 0.1470% | 3,792 |
Credit loss provision to net charge-offs | 211.1111% | 2,127 |
Earnings coverage of net charge-offs (x) | 27.7917% | 1,122 |
Efficiency ratio | 48.5868% | 7,695 |
Assets per employee ($millions) | 3.5081% | 4,802 |
Cash dividends to net income (ytd only)* | 88.9831% | 898 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6809% | 2,206 |
Loan loss allowance to noncurrent loans | 77.1628% | 3,791 |
Noncurrent assets plus other real estate owned to assets | 1.6219% | 3,486 |
Noncurrent loans to loans | 2.1784% | 3,011 |
Net loans and leases to total assets | 70.0276% | 3,663 |
Net loans and leases to deposits | 79.1124% | 4,759 |
Net loans and leases to core deposits | 92.8592% | 5,271 |
Total domestic deposits to total assets | 88.5166% | 1,479 |
Equity capital to assets | 8.3309% | 6,343 |
Core capital (leverage) ratio | 7.5923% | 7,039 |
Tier 1 risk-based capital ratio | 10.8355% | 6,059 |
Total risk-based capital ratio | 12.0910% | 5,955 |
Memoranda: | ||
Average total assets | $281,618,500 | 2,381 |
Average earning assets | $267,926,500 | 2,308 |
Average equity | $23,001,000 | 2,878 |
Average total loans | $195,974,000 | 2,411 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1550% | 4,752 |
Cost of funding earning assets | 2.0051% | 6,400 |
Net interest margin | 4.1499% | 2,502 |
Noninterest income to average assets | 1.2229% | 992 |
Noninterest expense to average assets | 2.5988% | 5,656 |
Loan and lease loss provision to assets | 0.3014% | 3,961 |
Net operating income to assets | 1.4472% | 1,133 |
Return on assets (ROA) | 1.4472% | 1,082 |
Pretax return on assets | 2.2562% | 350 |
Return on Equity (ROE) | 18.5852% | 484 |
Retained earnings to average equity (ytd only) | 0.9689% | 4,654 |
Net charge-offs to loans | 0.3662% | 3,001 |
Credit loss provision to net charge-offs | 126.4748% | 4,225 |
Earnings coverage of net charge-offs (x) | 10.7309% | 2,466 |
Efficiency ratio | 50.3990% | 7,632 |
Assets per employee ($millions) | 3.5321% | 4,587 |
Cash dividends to net income (ytd only)* | 94.7867% | 1,140 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6643% | 2,017 |
Loan loss allowance to noncurrent loans | 107.2896% | 3,238 |
Noncurrent assets plus other real estate owned to assets | 1.0986% | 4,086 |
Noncurrent loans to loans | 1.5512% | 3,467 |
Net loans and leases to total assets | 66.8716% | 4,666 |
Net loans and leases to deposits | 75.3851% | 5,674 |
Net loans and leases to core deposits | 87.1803% | 6,046 |
Total domestic deposits to total assets | 88.7067% | 1,152 |
Equity capital to assets | 8.0091% | 6,833 |
Core capital (leverage) ratio | 7.5826% | 7,096 |
Tier 1 risk-based capital ratio | 10.8618% | 5,847 |
Total risk-based capital ratio | 12.1171% | 5,757 |
Memoranda: | ||
Average total assets | $291,596,400 | 2,244 |
Average earning assets | $276,391,400 | 2,192 |
Average equity | $22,706,200 | 2,881 |
Average total loans | $189,766,800 | 2,395 |