Home > Citizens Bank of Edinburg > Performance and Condition Ratios
Citizens Bank of Edinburg, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9199% | 4,065 |
Cost of funding earning assets | 0.7680% | 3,813 |
Net interest margin | 3.1519% | 2,978 |
Noninterest income to average assets | 0.2800% | 3,252 |
Noninterest expense to average assets | 1.9364% | 3,759 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.9698% | 2,309 |
Return on assets (ROA) | 0.9698% | 2,293 |
Pretax return on assets | 1.2877% | 1,905 |
Return on Equity (ROE) | 12.0000% | 1,953 |
Retained earnings to average equity (ytd only) | 8.3848% | 1,429 |
Net charge-offs to loans | -0.0178% | 4,128 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 60.0604% | 3,068 |
Assets per employee ($millions) | 6.1290% | 2,710 |
Cash dividends to net income (ytd only)* | 30.1003% | 2,539 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4621% | 1,168 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 32.9900% | 4,233 |
Net loans and leases to deposits | 36.2863% | 4,269 |
Net loans and leases to core deposits | 40.8345% | 4,275 |
Total domestic deposits to total assets | 90.9100% | 531 |
Equity capital to assets | 8.4875% | 3,064 |
Core capital (leverage) ratio | 9.8559% | 2,929 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $30,830,600 | 4,458 |
Average earning assets | $28,776,000 | 4,425 |
Average equity | $2,492,600 | 4,457 |
Average total loans | $11,245,400 | 4,403 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8909% | 4,009 |
Cost of funding earning assets | 0.7255% | 3,707 |
Net interest margin | 3.1654% | 2,989 |
Noninterest income to average assets | 0.2800% | 3,257 |
Noninterest expense to average assets | 1.9259% | 3,767 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.9802% | 2,422 |
Return on assets (ROA) | 0.9802% | 2,417 |
Pretax return on assets | 1.3127% | 1,996 |
Return on Equity (ROE) | 12.2800% | 2,061 |
Retained earnings to average equity (ytd only) | 11.6809% | 1,026 |
Net charge-offs to loans | -0.0232% | 4,175 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 59.4667% | 3,027 |
Assets per employee ($millions) | 6.2762% | 2,510 |
Cash dividends to net income (ytd only)* | 4.8458% | 2,915 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3474% | 1,657 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 35.2300% | 4,211 |
Net loans and leases to deposits | 38.4811% | 4,245 |
Net loans and leases to core deposits | 43.0815% | 4,193 |
Total domestic deposits to total assets | 91.5600% | 545 |
Equity capital to assets | 7.9443% | 3,091 |
Core capital (leverage) ratio | 9.5188% | 3,281 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $30,877,000 | 4,481 |
Average earning assets | $28,852,750 | 4,448 |
Average equity | $2,465,500 | 4,482 |
Average total loans | $11,492,000 | 4,424 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8442% | 3,961 |
Cost of funding earning assets | 0.6661% | 3,583 |
Net interest margin | 3.1781% | 3,041 |
Noninterest income to average assets | 0.2600% | 3,340 |
Noninterest expense to average assets | 1.9147% | 3,784 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.9965% | 2,429 |
Return on assets (ROA) | 0.9965% | 2,424 |
Pretax return on assets | 1.3286% | 1,995 |
Return on Equity (ROE) | 12.4600% | 2,023 |
Retained earnings to average equity (ytd only) | 11.5619% | 1,069 |
Net charge-offs to loans | -0.0345% | 4,279 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 59.0361% | 3,072 |
Assets per employee ($millions) | 5.8360% | 2,851 |
Cash dividends to net income (ytd only)* | 7.1895% | 2,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3196% | 1,844 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 38.4400% | 4,097 |
Net loans and leases to deposits | 42.2661% | 4,153 |
Net loans and leases to core deposits | 47.7197% | 4,076 |
Total domestic deposits to total assets | 90.9500% | 665 |
Equity capital to assets | 8.5572% | 2,815 |
Core capital (leverage) ratio | 9.4212% | 3,341 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $30,709,000 | 4,508 |
Average earning assets | $28,822,667 | 4,476 |
Average equity | $2,456,333 | 4,511 |
Average total loans | $11,587,000 | 4,446 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7993% | 3,857 |
Cost of funding earning assets | 0.4885% | 3,735 |
Net interest margin | 3.3108% | 2,851 |
Noninterest income to average assets | 0.2700% | 3,286 |
Noninterest expense to average assets | 1.8809% | 3,894 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.1184% | 2,170 |
Return on assets (ROA) | 1.1184% | 2,138 |
Pretax return on assets | 1.4870% | 1,700 |
Return on Equity (ROE) | 14.4500% | 1,676 |
Retained earnings to average equity (ytd only) | 13.4647% | 1,015 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 55.8491% | 3,420 |
Assets per employee ($millions) | 6.3908% | 2,417 |
Cash dividends to net income (ytd only)* | 6.8182% | 2,227 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2894% | 2,083 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 35.7000% | 4,200 |
Net loans and leases to deposits | 38.9450% | 4,256 |
Net loans and leases to core deposits | 43.3891% | 4,193 |
Total domestic deposits to total assets | 91.6600% | 602 |
Equity capital to assets | 7.7455% | 3,415 |
Core capital (leverage) ratio | 8.7074% | 3,978 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.6295% | 692 |
Memoranda: | ||
Average total assets | $31,473,500 | 4,564 |
Average earning assets | $29,479,000 | 4,538 |
Average equity | $2,436,000 | 4,578 |
Average total loans | $11,697,000 | 4,504 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0694% | 4,046 |
Cost of funding earning assets | 0.2743% | 3,110 |
Net interest margin | 2.7951% | 3,905 |
Noninterest income to average assets | 0.3700% | 2,879 |
Noninterest expense to average assets | 1.8240% | 3,983 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.7309% | 3,530 |
Return on assets (ROA) | 0.7309% | 3,474 |
Pretax return on assets | 0.9649% | 3,177 |
Return on Equity (ROE) | 9.3500% | 3,014 |
Retained earnings to average equity (ytd only) | 5.7839% | 2,723 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 65.4023% | 2,306 |
Assets per employee ($millions) | 7.7483% | 1,463 |
Cash dividends to net income (ytd only)* | 38.1579% | 2,010 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2502% | 2,147 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 37.7200% | 4,154 |
Net loans and leases to deposits | 41.1026% | 4,214 |
Net loans and leases to core deposits | 42.0928% | 4,227 |
Total domestic deposits to total assets | 91.7700% | 696 |
Equity capital to assets | 7.7340% | 3,227 |
Core capital (leverage) ratio | 8.2638% | 4,272 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $31,195,800 | 4,601 |
Average earning assets | $26,975,800 | 4,583 |
Average equity | $2,437,800 | 4,650 |
Average total loans | $12,296,600 | 4,526 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8174% | 4,176 |
Cost of funding earning assets | 0.2621% | 2,577 |
Net interest margin | 2.5553% | 4,159 |
Noninterest income to average assets | 0.4200% | 2,617 |
Noninterest expense to average assets | 1.8263% | 3,928 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.5675% | 3,918 |
Return on assets (ROA) | 0.5675% | 3,873 |
Pretax return on assets | 0.7553% | 3,679 |
Return on Equity (ROE) | 7.2400% | 3,538 |
Retained earnings to average equity (ytd only) | 6.9170% | 2,393 |
Net charge-offs to loans | -0.0107% | 3,734 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 70.7438% | 1,677 |
Assets per employee ($millions) | 8.2995% | 1,173 |
Cash dividends to net income (ytd only)* | 4.5113% | 2,990 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3180% | 1,951 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 33.3800% | 4,327 |
Net loans and leases to deposits | 36.0592% | 4,360 |
Net loans and leases to core deposits | 36.8617% | 4,374 |
Total domestic deposits to total assets | 92.5700% | 692 |
Equity capital to assets | 7.1149% | 3,450 |
Core capital (leverage) ratio | 8.3536% | 4,182 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.6486% | 671 |
Memoranda: | ||
Average total assets | $31,246,500 | 4,635 |
Average earning assets | $26,454,000 | 4,621 |
Average equity | $2,448,000 | 4,689 |
Average total loans | $12,411,250 | 4,553 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7581% | 4,053 |
Cost of funding earning assets | 0.2566% | 2,176 |
Net interest margin | 2.5016% | 4,086 |
Noninterest income to average assets | 0.4772% | 2,318 |
Noninterest expense to average assets | 1.8565% | 3,817 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.5033% | 3,883 |
Return on assets (ROA) | 0.5033% | 3,836 |
Pretax return on assets | 0.6602% | 3,684 |
Return on Equity (ROE) | 6.2180% | 3,526 |
Retained earnings to average equity (ytd only) | 5.8950% | 2,364 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7662% | 1,533 |
Assets per employee ($millions) | 8.0103% | 1,299 |
Cash dividends to net income (ytd only)* | 5.1948% | 2,859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2475% | 2,437 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 36.3191% | 4,232 |
Net loans and leases to deposits | 39.3421% | 4,291 |
Net loans and leases to core deposits | 40.2511% | 4,311 |
Total domestic deposits to total assets | 92.3161% | 719 |
Equity capital to assets | 7.4124% | 3,525 |
Core capital (leverage) ratio | 8.2716% | 4,125 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $30,596,000 | 4,673 |
Average earning assets | $24,944,333 | 4,686 |
Average equity | $2,476,667 | 4,718 |
Average total loans | $12,805,333 | 4,608 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9882% | 3,289 |
Cost of funding earning assets | 0.2971% | 1,683 |
Net interest margin | 2.6911% | 3,424 |
Noninterest income to average assets | 0.2812% | 3,447 |
Noninterest expense to average assets | 1.9147% | 3,648 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.3214% | 4,102 |
Return on assets (ROA) | 0.3214% | 4,069 |
Pretax return on assets | 0.4285% | 3,987 |
Return on Equity (ROE) | 3.7982% | 3,926 |
Retained earnings to average equity (ytd only) | 3.7982% | 3,008 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.7143% | 1,007 |
Assets per employee ($millions) | 7.7005% | 1,547 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1370% | 3,165 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 41.4973% | 3,913 |
Net loans and leases to deposits | 45.2268% | 4,011 |
Net loans and leases to core deposits | 46.3217% | 4,057 |
Total domestic deposits to total assets | 91.7538% | 672 |
Equity capital to assets | 8.0644% | 3,520 |
Core capital (leverage) ratio | 8.2474% | 4,120 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $29,873,500 | 4,705 |
Average earning assets | $22,890,000 | 4,723 |
Average equity | $2,527,500 | 4,740 |
Average total loans | $13,316,000 | 4,630 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0505% | 3,782 |
Cost of funding earning assets | 0.2876% | 2,528 |
Net interest margin | 2.7628% | 3,747 |
Noninterest income to average assets | 0.3900% | 3,102 |
Noninterest expense to average assets | 1.9709% | 3,765 |
Loan and lease loss provision to assets | 0.0311% | 2,436 |
Net operating income to assets | 0.4694% | 4,142 |
Return on assets (ROA) | 0.4694% | 4,187 |
Pretax return on assets | 0.5764% | 4,141 |
Return on Equity (ROE) | 5.2348% | 3,945 |
Retained earnings to average equity (ytd only) | 2.2710% | 3,903 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.4391% | 1,067 |
Assets per employee ($millions) | 9.6483% | 744 |
Cash dividends to net income (ytd only)* | 56.6176% | 1,214 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0728% | 3,471 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 46.8337% | 3,620 |
Net loans and leases to deposits | 51.4987% | 3,771 |
Net loans and leases to core deposits | 52.8375% | 3,836 |
Total domestic deposits to total assets | 90.9414% | 515 |
Equity capital to assets | 8.8824% | 3,737 |
Core capital (leverage) ratio | 8.5352% | 3,880 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $28,972,000 | 4,751 |
Average earning assets | $22,947,400 | 4,761 |
Average equity | $2,598,000 | 4,779 |
Average total loans | $13,319,200 | 4,676 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1216% | 3,765 |
Cost of funding earning assets | 0.2976% | 2,614 |
Net interest margin | 2.8241% | 3,725 |
Noninterest income to average assets | 0.2807% | 3,755 |
Noninterest expense to average assets | 1.9462% | 3,822 |
Loan and lease loss provision to assets | 0.0414% | 2,167 |
Net operating income to assets | 0.4325% | 4,324 |
Return on assets (ROA) | 0.4325% | 4,358 |
Pretax return on assets | 0.5199% | 4,343 |
Return on Equity (ROE) | 4.8116% | 4,160 |
Retained earnings to average equity (ytd only) | 4.0438% | 3,565 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.6147% | 907 |
Assets per employee ($millions) | 10.1330% | 616 |
Cash dividends to net income (ytd only)* | 15.9574% | 2,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0926% | 3,475 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 43.7745% | 3,970 |
Net loans and leases to deposits | 47.9134% | 4,121 |
Net loans and leases to core deposits | 49.0925% | 4,187 |
Total domestic deposits to total assets | 91.3616% | 269 |
Equity capital to assets | 8.5759% | 4,156 |
Core capital (leverage) ratio | 8.7055% | 3,846 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $28,978,750 | 4,821 |
Average earning assets | $22,850,750 | 4,835 |
Average equity | $2,604,750 | 4,854 |
Average total loans | $13,223,250 | 4,749 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0888% | 3,893 |
Cost of funding earning assets | 0.2912% | 2,864 |
Net interest margin | 2.7976% | 3,790 |
Noninterest income to average assets | 0.3017% | 3,627 |
Noninterest expense to average assets | 2.0066% | 3,678 |
Loan and lease loss provision to assets | 0.0421% | 2,168 |
Net operating income to assets | 0.3929% | 4,398 |
Return on assets (ROA) | 0.3929% | 4,436 |
Pretax return on assets | 0.4771% | 4,422 |
Return on Equity (ROE) | 4.3011% | 4,275 |
Retained earnings to average equity (ytd only) | 3.7634% | 3,597 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.4444% | 818 |
Assets per employee ($millions) | 9.5063% | 712 |
Cash dividends to net income (ytd only)* | 12.5000% | 2,791 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0404% | 3,671 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 48.0276% | 3,722 |
Net loans and leases to deposits | 52.9742% | 3,934 |
Net loans and leases to core deposits | 54.3748% | 4,003 |
Total domestic deposits to total assets | 90.6624% | 491 |
Equity capital to assets | 9.1939% | 3,605 |
Core capital (leverage) ratio | 8.6360% | 3,844 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $28,505,333 | 4,857 |
Average earning assets | $22,662,667 | 4,871 |
Average equity | $2,604,000 | 4,888 |
Average total loans | $13,146,333 | 4,785 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0986% | 3,883 |
Cost of funding earning assets | 0.3080% | 2,910 |
Net interest margin | 2.7906% | 3,786 |
Noninterest income to average assets | 0.2667% | 3,801 |
Noninterest expense to average assets | 1.9650% | 3,819 |
Loan and lease loss provision to assets | 0.0421% | 2,222 |
Net operating income to assets | 0.3369% | 4,470 |
Return on assets (ROA) | 0.3369% | 4,505 |
Pretax return on assets | 0.4211% | 4,460 |
Return on Equity (ROE) | 3.6994% | 4,347 |
Retained earnings to average equity (ytd only) | 2.7746% | 3,846 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.9249% | 758 |
Assets per employee ($millions) | 9.7170% | 649 |
Cash dividends to net income (ytd only)* | 25.0000% | 1,859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0984% | 3,438 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | 0.0000% | 4,341 |
Net loans and leases to total assets | 43.5525% | 4,144 |
Net loans and leases to deposits | 47.8607% | 4,268 |
Net loans and leases to core deposits | 49.0932% | 4,337 |
Total domestic deposits to total assets | 90.9986% | 397 |
Equity capital to assets | 8.9362% | 3,744 |
Core capital (leverage) ratio | 8.5916% | 4,018 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $28,498,500 | 4,882 |
Average earning assets | $22,074,500 | 4,901 |
Average equity | $2,595,000 | 4,911 |
Average total loans | $12,799,000 | 4,819 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6090% | 3,794 |
Cost of funding earning assets | 0.3549% | 3,846 |
Net interest margin | 3.2541% | 3,195 |
Noninterest income to average assets | 0.3276% | 3,495 |
Noninterest expense to average assets | 2.0672% | 4,006 |
Loan and lease loss provision to assets | 0.0301% | 4,020 |
Net operating income to assets | 0.6928% | 3,455 |
Return on assets (ROA) | 0.6928% | 3,592 |
Pretax return on assets | 0.8886% | 3,398 |
Return on Equity (ROE) | 7.2481% | 3,093 |
Retained earnings to average equity (ytd only) | 2.9938% | 3,360 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.2308% | 2,060 |
Assets per employee ($millions) | 9.2820% | 675 |
Cash dividends to net income (ytd only)* | 58.6957% | 1,419 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0814% | 3,549 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 45.3315% | 4,171 |
Net loans and leases to deposits | 50.0635% | 4,315 |
Net loans and leases to core deposits | 51.4196% | 4,374 |
Total domestic deposits to total assets | 90.5480% | 355 |
Equity capital to assets | 9.2832% | 3,804 |
Core capital (leverage) ratio | 8.5736% | 4,127 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $26,558,200 | 4,896 |
Average earning assets | $21,695,800 | 4,911 |
Average equity | $2,538,600 | 4,934 |
Average total loans | $13,099,400 | 4,838 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6815% | 3,838 |
Cost of funding earning assets | 0.3492% | 4,060 |
Net interest margin | 3.3324% | 3,091 |
Noninterest income to average assets | 0.3608% | 3,305 |
Noninterest expense to average assets | 2.0429% | 4,066 |
Loan and lease loss provision to assets | 0.0267% | 4,001 |
Net operating income to assets | 0.8131% | 3,043 |
Return on assets (ROA) | 0.8131% | 3,163 |
Pretax return on assets | 1.0570% | 2,884 |
Return on Equity (ROE) | 8.4419% | 2,628 |
Retained earnings to average equity (ytd only) | 7.1757% | 1,624 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.3659% | 2,538 |
Assets per employee ($millions) | 9.6163% | 575 |
Cash dividends to net income (ytd only)* | 15.0000% | 2,973 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0308% | 3,560 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 44.9305% | 4,372 |
Net loans and leases to deposits | 52.4438% | 4,393 |
Net loans and leases to core deposits | 53.8938% | 4,454 |
Total domestic deposits to total assets | 85.6737% | 2,187 |
Equity capital to assets | 9.0783% | 4,055 |
Core capital (leverage) ratio | 9.1720% | 3,581 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $26,236,250 | 4,930 |
Average earning assets | $21,765,750 | 4,942 |
Average equity | $2,527,000 | 4,964 |
Average total loans | $13,184,000 | 4,869 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7837% | 3,904 |
Cost of funding earning assets | 0.3481% | 4,277 |
Net interest margin | 3.4356% | 2,987 |
Noninterest income to average assets | 0.2760% | 3,819 |
Noninterest expense to average assets | 2.0422% | 4,147 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.8910% | 2,723 |
Return on assets (ROA) | 0.8910% | 2,844 |
Pretax return on assets | 1.1906% | 2,393 |
Return on Equity (ROE) | 9.0533% | 2,338 |
Retained earnings to average equity (ytd only) | 6.9702% | 1,673 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.1707% | 2,931 |
Assets per employee ($millions) | 8.8020% | 723 |
Cash dividends to net income (ytd only)* | 23.0088% | 2,633 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0054% | 3,546 |
Loan loss allowance to noncurrent loans | 61.9718% | 3,851 |
Noncurrent assets plus other real estate owned to assets | 0.8066% | 1,543 |
Noncurrent loans to loans | 1.6224% | 904 |
Net loans and leases to total assets | 49.2199% | 4,193 |
Net loans and leases to deposits | 58.2355% | 4,208 |
Net loans and leases to core deposits | 60.0212% | 4,260 |
Total domestic deposits to total assets | 84.5187% | 2,552 |
Equity capital to assets | 9.7061% | 3,470 |
Core capital (leverage) ratio | 9.7146% | 3,116 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $25,365,333 | 4,968 |
Average earning assets | $21,830,333 | 4,970 |
Average equity | $2,496,333 | 4,998 |
Average total loans | $13,213,000 | 4,901 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9920% | 3,805 |
Cost of funding earning assets | 0.3544% | 4,503 |
Net interest margin | 3.6376% | 2,546 |
Noninterest income to average assets | 0.0966% | 4,838 |
Noninterest expense to average assets | 1.9964% | 4,399 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.9660% | 2,295 |
Return on assets (ROA) | 0.9660% | 2,399 |
Pretax return on assets | 1.2397% | 2,070 |
Return on Equity (ROE) | 9.7442% | 1,826 |
Retained earnings to average equity (ytd only) | 5.8465% | 1,936 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6915% | 3,532 |
Assets per employee ($millions) | 8.2343% | 679 |
Cash dividends to net income (ytd only)* | 40.0000% | 1,887 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9976% | 3,724 |
Loan loss allowance to noncurrent loans | 61.0329% | 3,890 |
Noncurrent assets plus other real estate owned to assets | 0.8622% | 1,546 |
Noncurrent loans to loans | 1.6346% | 945 |
Net loans and leases to total assets | 52.2244% | 4,102 |
Net loans and leases to deposits | 58.1388% | 4,284 |
Net loans and leases to core deposits | 59.9322% | 4,358 |
Total domestic deposits to total assets | 89.8271% | 380 |
Equity capital to assets | 10.0393% | 3,747 |
Core capital (leverage) ratio | 9.6006% | 3,883 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $24,845,000 | 5,019 |
Average earning assets | $21,443,000 | 5,019 |
Average equity | $2,463,000 | 5,048 |
Average total loans | $13,255,000 | 4,940 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1426% | 3,945 |
Cost of funding earning assets | 0.3592% | 4,572 |
Net interest margin | 3.7834% | 2,556 |
Noninterest income to average assets | 0.3300% | 3,729 |
Noninterest expense to average assets | 1.9758% | 4,573 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.1718% | 2,170 |
Return on assets (ROA) | 1.1750% | 2,252 |
Pretax return on assets | 1.5372% | 1,694 |
Return on Equity (ROE) | 12.1252% | 1,462 |
Retained earnings to average equity (ytd only) | 6.0211% | 1,855 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.3073% | 4,172 |
Assets per employee ($millions) | 8.3290% | 632 |
Cash dividends to net income (ytd only)* | 50.3425% | 2,018 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9645% | 3,674 |
Loan loss allowance to noncurrent loans | 61.0329% | 3,914 |
Noncurrent assets plus other real estate owned to assets | 0.8524% | 1,509 |
Noncurrent loans to loans | 1.5802% | 891 |
Net loans and leases to total assets | 53.4238% | 4,118 |
Net loans and leases to deposits | 59.3289% | 4,316 |
Net loans and leases to core deposits | 61.1302% | 4,383 |
Total domestic deposits to total assets | 90.0468% | 310 |
Equity capital to assets | 9.7891% | 4,115 |
Core capital (leverage) ratio | 9.3403% | 4,235 |
Tier 1 risk-based capital ratio | 16.7382% | 2,141 |
Total risk-based capital ratio | 17.6385% | 2,205 |
Memoranda: | ||
Average total assets | $24,851,000 | 5,076 |
Average earning assets | $20,880,600 | 5,081 |
Average equity | $2,408,200 | 5,111 |
Average total loans | $13,080,600 | 5,003 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1256% | 4,100 |
Cost of funding earning assets | 0.3598% | 4,629 |
Net interest margin | 3.7657% | 2,697 |
Noninterest income to average assets | 0.2847% | 4,035 |
Noninterest expense to average assets | 1.9986% | 4,562 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.0875% | 2,624 |
Return on assets (ROA) | 1.0960% | 2,679 |
Pretax return on assets | 1.4452% | 2,137 |
Return on Equity (ROE) | 11.3388% | 1,875 |
Retained earnings to average equity (ytd only) | 11.2279% | 487 |
Net charge-offs to loans | 0.0102% | 3,006 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | 267.6617% | 346 |
Efficiency ratio | 58.2160% | 3,906 |
Assets per employee ($millions) | 8.6930% | 533 |
Cash dividends to net income (ytd only)* | 0.9817% | 3,548 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9545% | 3,805 |
Loan loss allowance to noncurrent loans | 61.3527% | 3,972 |
Noncurrent assets plus other real estate owned to assets | 0.7937% | 1,738 |
Noncurrent loans to loans | 1.5557% | 956 |
Net loans and leases to total assets | 50.5349% | 4,396 |
Net loans and leases to deposits | 55.9737% | 4,552 |
Net loans and leases to core deposits | 57.5955% | 4,636 |
Total domestic deposits to total assets | 90.2834% | 217 |
Equity capital to assets | 9.5824% | 4,405 |
Core capital (leverage) ratio | 9.8603% | 3,776 |
Tier 1 risk-based capital ratio | 18.0602% | 1,796 |
Total risk-based capital ratio | 18.9885% | 1,843 |
Memoranda: | ||
Average total assets | $24,817,000 | 5,153 |
Average earning assets | $20,748,250 | 5,160 |
Average equity | $2,398,750 | 5,188 |
Average total loans | $12,981,000 | 5,086 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0997% | 4,162 |
Cost of funding earning assets | 0.3506% | 4,675 |
Net interest margin | 3.7491% | 2,758 |
Noninterest income to average assets | 0.2623% | 4,182 |
Noninterest expense to average assets | 2.0413% | 4,531 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.0493% | 2,728 |
Return on assets (ROA) | 1.0493% | 2,799 |
Pretax return on assets | 1.3773% | 2,274 |
Return on Equity (ROE) | 10.8230% | 2,051 |
Retained earnings to average equity (ytd only) | 10.8230% | 577 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.7122% | 3,776 |
Assets per employee ($millions) | 8.0163% | 666 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0344% | 3,420 |
Loan loss allowance to noncurrent loans | 61.5385% | 3,981 |
Noncurrent assets plus other real estate owned to assets | 0.8649% | 1,624 |
Noncurrent loans to loans | 1.6809% | 909 |
Net loans and leases to total assets | 50.9210% | 4,414 |
Net loans and leases to deposits | 56.6997% | 4,569 |
Net loans and leases to core deposits | 58.4925% | 4,623 |
Total domestic deposits to total assets | 89.8083% | 388 |
Equity capital to assets | 10.1002% | 3,887 |
Core capital (leverage) ratio | 9.9459% | 3,644 |
Tier 1 risk-based capital ratio | 17.5925% | 1,910 |
Total risk-based capital ratio | 18.5280% | 1,958 |
Memoranda: | ||
Average total assets | $24,396,330 | 5,206 |
Average earning assets | $20,538,330 | 5,207 |
Average equity | $2,365,330 | 5,231 |
Average total loans | $12,872,670 | 5,136 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2199% | 3,807 |
Cost of funding earning assets | 0.3500% | 4,681 |
Net interest margin | 3.8699% | 2,283 |
Noninterest income to average assets | 0.2605% | 4,148 |
Noninterest expense to average assets | 2.0187% | 4,604 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.1559% | 2,237 |
Return on assets (ROA) | 1.1559% | 2,294 |
Pretax return on assets | 1.4815% | 1,834 |
Return on Equity (ROE) | 12.1706% | 1,474 |
Retained earnings to average equity (ytd only) | 12.1706% | 583 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.6744% | 4,121 |
Assets per employee ($millions) | 8.1260% | 644 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0268% | 3,540 |
Loan loss allowance to noncurrent loans | 61.8357% | 4,038 |
Noncurrent assets plus other real estate owned to assets | 0.8491% | 1,669 |
Noncurrent loans to loans | 1.6605% | 938 |
Net loans and leases to total assets | 50.6112% | 4,427 |
Net loans and leases to deposits | 56.1763% | 4,592 |
Net loans and leases to core deposits | 57.9222% | 4,645 |
Total domestic deposits to total assets | 90.0935% | 415 |
Equity capital to assets | 9.7383% | 4,056 |
Core capital (leverage) ratio | 9.4488% | 4,200 |
Tier 1 risk-based capital ratio | 17.1508% | 2,066 |
Total risk-based capital ratio | 18.0850% | 2,112 |
Memoranda: | ||
Average total assets | $24,570,000 | 5,259 |
Average earning assets | $20,569,000 | 5,263 |
Average equity | $2,333,500 | 5,289 |
Average total loans | $13,122,000 | 5,185 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0678% | 3,847 |
Cost of funding earning assets | 0.3650% | 4,192 |
Net interest margin | 3.7028% | 3,023 |
Noninterest income to average assets | 0.2968% | 4,124 |
Noninterest expense to average assets | 2.0774% | 4,610 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.0552% | 2,778 |
Return on assets (ROA) | 1.0552% | 2,768 |
Pretax return on assets | 1.3973% | 2,145 |
Return on Equity (ROE) | 11.4819% | 1,905 |
Retained earnings to average equity (ytd only) | 6.9519% | 1,693 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.7865% | 3,896 |
Assets per employee ($millions) | 8.2540% | 605 |
Cash dividends to net income (ytd only)* | 39.4531% | 2,544 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9290% | 4,050 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 55.1248% | 4,198 |
Net loans and leases to deposits | 60.8886% | 4,436 |
Net loans and leases to core deposits | 62.7384% | 4,504 |
Total domestic deposits to total assets | 90.5339% | 316 |
Equity capital to assets | 9.2602% | 4,358 |
Core capital (leverage) ratio | 9.2430% | 4,407 |
Tier 1 risk-based capital ratio | 15.6273% | 2,566 |
Total risk-based capital ratio | 16.4997% | 2,655 |
Memoranda: | ||
Average total assets | $24,261,200 | 5,305 |
Average earning assets | $20,822,000 | 5,306 |
Average equity | $2,229,600 | 5,338 |
Average total loans | $13,394,800 | 5,224 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9515% | 4,073 |
Cost of funding earning assets | 0.3545% | 4,152 |
Net interest margin | 3.5970% | 3,378 |
Noninterest income to average assets | 0.2983% | 4,153 |
Noninterest expense to average assets | 2.0771% | 4,596 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.9722% | 3,209 |
Return on assets (ROA) | 0.9722% | 3,221 |
Pretax return on assets | 1.3037% | 2,616 |
Return on Equity (ROE) | 10.6001% | 2,349 |
Retained earnings to average equity (ytd only) | 10.0580% | 906 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.4379% | 3,594 |
Assets per employee ($millions) | 6.2453% | 1,317 |
Cash dividends to net income (ytd only)* | 5.1138% | 3,520 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9298% | 4,136 |
Loan loss allowance to noncurrent loans | 1,828.5714% | 357 |
Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,846 |
Noncurrent loans to loans | 0.0508% | 4,666 |
Net loans and leases to total assets | 54.5975% | 4,315 |
Net loans and leases to deposits | 60.2350% | 4,534 |
Net loans and leases to core deposits | 62.0462% | 4,608 |
Total domestic deposits to total assets | 90.6409% | 305 |
Equity capital to assets | 9.1950% | 4,371 |
Core capital (leverage) ratio | 9.1627% | 4,553 |
Tier 1 risk-based capital ratio | 15.8185% | 2,520 |
Total risk-based capital ratio | 16.7000% | 2,606 |
Memoranda: | ||
Average total assets | $24,136,000 | 5,376 |
Average earning assets | $20,683,500 | 5,377 |
Average equity | $2,213,750 | 5,407 |
Average total loans | $13,299,000 | 5,292 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8583% | 4,194 |
Cost of funding earning assets | 0.3623% | 3,994 |
Net interest margin | 3.4960% | 3,641 |
Noninterest income to average assets | 0.2851% | 4,275 |
Noninterest expense to average assets | 2.1128% | 4,576 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.8971% | 3,463 |
Return on assets (ROA) | 0.8971% | 3,472 |
Pretax return on assets | 1.1654% | 3,073 |
Return on Equity (ROE) | 9.7896% | 2,664 |
Retained earnings to average equity (ytd only) | 8.9661% | 1,231 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4501% | 3,257 |
Assets per employee ($millions) | 6.0468% | 1,429 |
Cash dividends to net income (ytd only)* | 8.4112% | 3,342 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9923% | 3,895 |
Loan loss allowance to noncurrent loans | 2,133.3333% | 319 |
Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,905 |
Noncurrent loans to loans | 0.0465% | 4,711 |
Net loans and leases to total assets | 52.8011% | 4,424 |
Net loans and leases to deposits | 58.2273% | 4,631 |
Net loans and leases to core deposits | 60.0338% | 4,704 |
Total domestic deposits to total assets | 90.6809% | 335 |
Equity capital to assets | 9.2364% | 4,347 |
Core capital (leverage) ratio | 9.2352% | 4,434 |
Tier 1 risk-based capital ratio | 16.3352% | 2,317 |
Total risk-based capital ratio | 17.2711% | 2,368 |
Memoranda: | ||
Average total assets | $23,854,330 | 5,441 |
Average earning assets | $20,423,330 | 5,443 |
Average equity | $2,186,000 | 5,473 |
Average total loans | $13,143,000 | 5,356 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6062% | 4,691 |
Cost of funding earning assets | 0.3528% | 3,964 |
Net interest margin | 3.2534% | 4,304 |
Noninterest income to average assets | 0.3546% | 3,778 |
Noninterest expense to average assets | 2.1952% | 4,430 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.7430% | 3,930 |
Return on assets (ROA) | 0.7430% | 3,932 |
Pretax return on assets | 0.9625% | 3,657 |
Return on Equity (ROE) | 8.1406% | 3,319 |
Retained earnings to average equity (ytd only) | 8.1406% | 1,787 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5187% | 2,569 |
Assets per employee ($millions) | 5.8175% | 1,665 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9636% | 4,148 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 56.5363% | 4,078 |
Net loans and leases to deposits | 62.4632% | 4,308 |
Net loans and leases to core deposits | 64.4839% | 4,397 |
Total domestic deposits to total assets | 90.5114% | 471 |
Equity capital to assets | 9.3640% | 4,218 |
Core capital (leverage) ratio | 9.1477% | 4,510 |
Tier 1 risk-based capital ratio | 15.3424% | 2,720 |
Total risk-based capital ratio | 16.2432% | 2,800 |
Memoranda: | ||
Average total assets | $23,688,000 | 5,501 |
Average earning assets | $20,409,500 | 5,502 |
Average equity | $2,162,000 | 5,532 |
Average total loans | $13,265,000 | 5,418 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8274% | 3,954 |
Cost of funding earning assets | 0.4147% | 3,101 |
Net interest margin | 3.4127% | 3,808 |
Noninterest income to average assets | 0.3140% | 4,217 |
Noninterest expense to average assets | 2.1100% | 4,740 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.7787% | 3,253 |
Return on assets (ROA) | 0.7787% | 3,294 |
Pretax return on assets | 1.0634% | 3,330 |
Return on Equity (ROE) | 8.7480% | 2,431 |
Retained earnings to average equity (ytd only) | 3.6685% | 3,045 |
Net charge-offs to loans | 0.0456% | 2,873 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 42.3333% | 1,211 |
Efficiency ratio | 66.4908% | 3,172 |
Assets per employee ($millions) | 6.0265% | 1,502 |
Cash dividends to net income (ytd only)* | 58.0645% | 1,846 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9663% | 4,122 |
Loan loss allowance to noncurrent loans | 2,133.3333% | 347 |
Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,031 |
Noncurrent loans to loans | 0.0453% | 4,794 |
Net loans and leases to total assets | 54.4180% | 4,323 |
Net loans and leases to deposits | 59.8258% | 4,576 |
Net loans and leases to core deposits | 61.6795% | 4,677 |
Total domestic deposits to total assets | 90.9608% | 247 |
Equity capital to assets | 8.8982% | 4,819 |
Core capital (leverage) ratio | 8.7593% | 4,891 |
Tier 1 risk-based capital ratio | 14.8532% | 2,904 |
Total risk-based capital ratio | 15.7437% | 3,015 |
Memoranda: | ||
Average total assets | $23,885,800 | 5,559 |
Average earning assets | $20,013,400 | 5,565 |
Average equity | $2,126,200 | 5,599 |
Average total loans | $13,163,800 | 5,481 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7743% | 4,085 |
Cost of funding earning assets | 0.4127% | 3,064 |
Net interest margin | 3.3616% | 3,977 |
Noninterest income to average assets | 0.3189% | 4,254 |
Noninterest expense to average assets | 2.0645% | 4,815 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.8225% | 3,426 |
Return on assets (ROA) | 0.8225% | 3,462 |
Pretax return on assets | 1.0798% | 3,384 |
Return on Equity (ROE) | 9.2387% | 2,477 |
Retained earnings to average equity (ytd only) | 9.2387% | 778 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.6584% | 3,270 |
Assets per employee ($millions) | 6.2485% | 1,340 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9130% | 4,500 |
Loan loss allowance to noncurrent loans | 400.0000% | 1,266 |
Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,601 |
Noncurrent loans to loans | 0.2283% | 4,151 |
Net loans and leases to total assets | 55.5773% | 4,268 |
Net loans and leases to deposits | 60.9977% | 4,580 |
Net loans and leases to core deposits | 62.8154% | 4,662 |
Total domestic deposits to total assets | 91.1139% | 158 |
Equity capital to assets | 8.8101% | 5,072 |
Core capital (leverage) ratio | 9.2618% | 4,450 |
Tier 1 risk-based capital ratio | 14.5039% | 3,178 |
Total risk-based capital ratio | 15.3466% | 3,308 |
Memoranda: | ||
Average total assets | $23,830,750 | 5,623 |
Average earning assets | $20,029,500 | 5,632 |
Average equity | $2,121,500 | 5,663 |
Average total loans | $13,143,250 | 5,545 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7627% | 4,023 |
Cost of funding earning assets | 0.4169% | 2,915 |
Net interest margin | 3.3458% | 3,966 |
Noninterest income to average assets | 0.2815% | 4,542 |
Noninterest expense to average assets | 2.1158% | 4,743 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.7422% | 3,658 |
Return on assets (ROA) | 0.7422% | 3,724 |
Pretax return on assets | 0.9726% | 3,681 |
Return on Equity (ROE) | 8.3068% | 2,871 |
Retained earnings to average equity (ytd only) | 8.3068% | 1,053 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.5083% | 2,922 |
Assets per employee ($millions) | 5.7545% | 1,649 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9846% | 4,240 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 55.9215% | 4,234 |
Net loans and leases to deposits | 61.6830% | 4,523 |
Net loans and leases to core deposits | 63.6912% | 4,624 |
Total domestic deposits to total assets | 90.6595% | 308 |
Equity capital to assets | 9.2971% | 4,622 |
Core capital (leverage) ratio | 9.0544% | 4,663 |
Tier 1 risk-based capital ratio | 15.1773% | 2,851 |
Total risk-based capital ratio | 16.0851% | 2,923 |
Memoranda: | ||
Average total assets | $23,443,000 | 5,675 |
Average earning assets | $19,666,670 | 5,685 |
Average equity | $2,094,670 | 5,713 |
Average total loans | $12,851,330 | 5,596 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7062% | 4,106 |
Cost of funding earning assets | 0.4073% | 2,925 |
Net interest margin | 3.2990% | 4,011 |
Noninterest income to average assets | 0.2367% | 4,845 |
Noninterest expense to average assets | 2.0629% | 4,917 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.6933% | 3,741 |
Return on assets (ROA) | 0.6933% | 3,777 |
Pretax return on assets | 0.9131% | 3,715 |
Return on Equity (ROE) | 7.9151% | 2,965 |
Retained earnings to average equity (ytd only) | 7.9151% | 1,499 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.3182% | 2,995 |
Assets per employee ($millions) | 6.0473% | 1,474 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9917% | 4,340 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 52.8298% | 4,441 |
Net loans and leases to deposits | 57.8707% | 4,710 |
Net loans and leases to core deposits | 59.6481% | 4,794 |
Total domestic deposits to total assets | 91.2894% | 213 |
Equity capital to assets | 8.6196% | 5,136 |
Core capital (leverage) ratio | 8.7414% | 5,005 |
Tier 1 risk-based capital ratio | 14.8578% | 3,044 |
Total risk-based capital ratio | 15.7700% | 3,122 |
Memoranda: | ||
Average total assets | $23,655,500 | 5,739 |
Average earning assets | $19,642,500 | 5,755 |
Average equity | $2,072,000 | 5,779 |
Average total loans | $12,777,000 | 5,661 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8065% | 3,892 |
Cost of funding earning assets | 0.4584% | 2,459 |
Net interest margin | 3.3480% | 4,002 |
Noninterest income to average assets | 0.3249% | 4,413 |
Noninterest expense to average assets | 2.0661% | 5,064 |
Loan and lease loss provision to assets | 0.0433% | 3,514 |
Net operating income to assets | 0.7970% | 3,316 |
Return on assets (ROA) | 0.7970% | 3,415 |
Pretax return on assets | 1.0309% | 3,362 |
Return on Equity (ROE) | 8.3865% | 2,750 |
Retained earnings to average equity (ytd only) | 8.3865% | 742 |
Net charge-offs to loans | 0.0488% | 3,066 |
Credit loss provision to net charge-offs | 166.6667% | 1,656 |
Earnings coverage of net charge-offs (x) | 41.3333% | 1,151 |
Efficiency ratio | 65.7931% | 3,629 |
Assets per employee ($millions) | 5.7805% | 1,635 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0121% | 4,240 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 54.1432% | 4,437 |
Net loans and leases to deposits | 59.4953% | 4,711 |
Net loans and leases to core deposits | 61.4158% | 4,781 |
Total domestic deposits to total assets | 91.0042% | 280 |
Equity capital to assets | 8.9049% | 4,903 |
Core capital (leverage) ratio | 8.5124% | 5,250 |
Tier 1 risk-based capital ratio | 15.3251% | 2,833 |
Total risk-based capital ratio | 16.2773% | 2,887 |
Memoranda: | ||
Average total assets | $23,086,600 | 5,802 |
Average earning assets | $19,414,400 | 5,813 |
Average equity | $2,194,000 | 5,827 |
Average total loans | $12,285,800 | 5,724 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8600% | 3,730 |
Cost of funding earning assets | 0.4610% | 2,455 |
Net interest margin | 3.3990% | 3,841 |
Noninterest income to average assets | 0.3351% | 4,387 |
Noninterest expense to average assets | 2.0625% | 5,079 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.8608% | 3,093 |
Return on assets (ROA) | 0.8608% | 3,223 |
Pretax return on assets | 1.1266% | 3,130 |
Return on Equity (ROE) | 8.9175% | 2,546 |
Retained earnings to average equity (ytd only) | 8.9175% | 842 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6739% | 3,824 |
Assets per employee ($millions) | 6.0140% | 1,424 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9184% | 4,816 |
Loan loss allowance to noncurrent loans | 2,460.0000% | 287 |
Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,433 |
Noncurrent loans to loans | 0.0373% | 5,218 |
Net loans and leases to total assets | 55.1630% | 4,389 |
Net loans and leases to deposits | 60.6823% | 4,706 |
Net loans and leases to core deposits | 62.5619% | 4,801 |
Total domestic deposits to total assets | 90.9046% | 212 |
Equity capital to assets | 8.9874% | 5,191 |
Core capital (leverage) ratio | 9.3017% | 4,455 |
Tier 1 risk-based capital ratio | 14.9506% | 3,079 |
Total risk-based capital ratio | 15.8011% | 3,199 |
Memoranda: | ||
Average total assets | $23,077,750 | 5,862 |
Average earning assets | $19,377,750 | 5,876 |
Average equity | $2,227,750 | 5,885 |
Average total loans | $12,195,500 | 5,785 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0398% | 3,102 |
Cost of funding earning assets | 0.4759% | 2,306 |
Net interest margin | 3.5639% | 3,236 |
Noninterest income to average assets | 0.3077% | 4,583 |
Noninterest expense to average assets | 2.0922% | 5,077 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.8966% | 2,878 |
Return on assets (ROA) | 0.8966% | 3,004 |
Pretax return on assets | 1.1779% | 2,869 |
Return on Equity (ROE) | 9.0680% | 2,468 |
Retained earnings to average equity (ytd only) | 9.0680% | 831 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9785% | 4,017 |
Assets per employee ($millions) | 5.5525% | 1,739 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0886% | 4,004 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 50.7294% | 4,793 |
Net loans and leases to deposits | 56.3266% | 4,991 |
Net loans and leases to core deposits | 58.2364% | 5,059 |
Total domestic deposits to total assets | 90.0630% | 467 |
Equity capital to assets | 9.7118% | 4,547 |
Core capital (leverage) ratio | 9.2918% | 4,467 |
Tier 1 risk-based capital ratio | 17.0483% | 2,200 |
Total risk-based capital ratio | 18.0516% | 2,256 |
Memoranda: | ||
Average total assets | $22,751,670 | 5,940 |
Average earning assets | $18,911,670 | 5,955 |
Average equity | $2,249,670 | 5,958 |
Average total loans | $11,796,330 | 5,868 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8071% | 3,918 |
Cost of funding earning assets | 0.4602% | 2,462 |
Net interest margin | 3.3469% | 4,055 |
Noninterest income to average assets | 0.2780% | 4,732 |
Noninterest expense to average assets | 2.0675% | 5,185 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.7645% | 3,418 |
Return on assets (ROA) | 0.7645% | 3,527 |
Pretax return on assets | 0.9903% | 3,519 |
Return on Equity (ROE) | 7.6655% | 3,103 |
Retained earnings to average equity (ytd only) | 7.6655% | 1,605 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6136% | 3,525 |
Assets per employee ($millions) | 5.8478% | 1,534 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0615% | 4,277 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 49.4122% | 4,851 |
Net loans and leases to deposits | 55.0093% | 5,034 |
Net loans and leases to core deposits | 56.7821% | 5,097 |
Total domestic deposits to total assets | 89.8251% | 664 |
Equity capital to assets | 9.9098% | 4,198 |
Core capital (leverage) ratio | 10.1322% | 3,388 |
Tier 1 risk-based capital ratio | 17.9245% | 2,004 |
Total risk-based capital ratio | 18.8913% | 2,056 |
Memoranda: | ||
Average total assets | $23,022,500 | 6,000 |
Average earning assets | $19,122,000 | 6,013 |
Average equity | $2,296,000 | 6,014 |
Average total loans | $11,999,000 | 5,920 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7910% | 4,072 |
Cost of funding earning assets | 0.5271% | 1,947 |
Net interest margin | 3.2639% | 4,426 |
Noninterest income to average assets | 0.3868% | 4,140 |
Noninterest expense to average assets | 2.2184% | 5,013 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.8002% | 3,340 |
Return on assets (ROA) | 0.8002% | 3,425 |
Pretax return on assets | 1.0314% | 3,344 |
Return on Equity (ROE) | 8.0314% | 2,943 |
Retained earnings to average equity (ytd only) | 4.9081% | 2,488 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2627% | 3,516 |
Assets per employee ($millions) | 5.6635% | 1,644 |
Cash dividends to net income (ytd only)* | 38.8889% | 2,896 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0068% | 4,562 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 53.8183% | 4,524 |
Net loans and leases to deposits | 59.9852% | 4,781 |
Net loans and leases to core deposits | 61.9827% | 4,879 |
Total domestic deposits to total assets | 89.7193% | 746 |
Equity capital to assets | 10.0380% | 3,916 |
Core capital (leverage) ratio | 9.9956% | 3,515 |
Tier 1 risk-based capital ratio | 17.1983% | 2,219 |
Total risk-based capital ratio | 18.1424% | 2,271 |
Memoranda: | ||
Average total assets | $22,494,000 | 6,066 |
Average earning assets | $19,730,800 | 6,063 |
Average equity | $2,241,200 | 6,073 |
Average total loans | $11,823,200 | 5,976 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7517% | 4,255 |
Cost of funding earning assets | 0.5254% | 1,996 |
Net interest margin | 3.2263% | 4,591 |
Noninterest income to average assets | 0.3978% | 4,100 |
Noninterest expense to average assets | 2.1733% | 5,121 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.8135% | 3,368 |
Return on assets (ROA) | 0.8135% | 3,457 |
Pretax return on assets | 1.0688% | 3,334 |
Return on Equity (ROE) | 8.1800% | 2,979 |
Retained earnings to average equity (ytd only) | 8.1800% | 1,179 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.0330% | 3,704 |
Assets per employee ($millions) | 5.6568% | 1,627 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0172% | 4,655 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 53.3257% | 4,638 |
Net loans and leases to deposits | 59.4824% | 4,894 |
Net loans and leases to core deposits | 61.4671% | 4,971 |
Total domestic deposits to total assets | 89.6495% | 713 |
Equity capital to assets | 10.1737% | 3,967 |
Core capital (leverage) ratio | 10.2167% | 3,352 |
Tier 1 risk-based capital ratio | 17.5747% | 2,165 |
Total risk-based capital ratio | 18.5276% | 2,220 |
Memoranda: | ||
Average total assets | $22,454,000 | 6,151 |
Average earning assets | $19,795,250 | 6,146 |
Average equity | $2,233,000 | 6,159 |
Average total loans | $11,700,000 | 6,054 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6980% | 4,416 |
Cost of funding earning assets | 0.5326% | 1,961 |
Net interest margin | 3.1654% | 4,768 |
Noninterest income to average assets | 0.3929% | 4,133 |
Noninterest expense to average assets | 2.2057% | 5,103 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.7591% | 3,599 |
Return on assets (ROA) | 0.7591% | 3,698 |
Pretax return on assets | 1.0002% | 3,592 |
Return on Equity (ROE) | 7.6923% | 3,211 |
Retained earnings to average equity (ytd only) | 7.6923% | 1,389 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8022% | 3,535 |
Assets per employee ($millions) | 5.4870% | 1,754 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0871% | 4,396 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 51.4033% | 4,807 |
Net loans and leases to deposits | 57.3593% | 5,034 |
Net loans and leases to core deposits | 59.3321% | 5,115 |
Total domestic deposits to total assets | 89.6164% | 834 |
Equity capital to assets | 10.2515% | 3,745 |
Core capital (leverage) ratio | 9.9550% | 3,675 |
Tier 1 risk-based capital ratio | 18.1221% | 2,034 |
Total risk-based capital ratio | 19.1275% | 2,061 |
Memoranda: | ||
Average total assets | $22,396,330 | 6,225 |
Average earning assets | $19,902,670 | 6,220 |
Average equity | $2,210,000 | 6,232 |
Average total loans | $11,536,670 | 6,125 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5875% | 4,727 |
Cost of funding earning assets | 0.5352% | 1,969 |
Net interest margin | 3.0524% | 5,073 |
Noninterest income to average assets | 0.3006% | 4,769 |
Noninterest expense to average assets | 2.2634% | 4,961 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.6012% | 4,285 |
Return on assets (ROA) | 0.6012% | 4,380 |
Pretax return on assets | 0.7604% | 4,391 |
Return on Equity (ROE) | 6.2100% | 3,925 |
Retained earnings to average equity (ytd only) | 6.2100% | 2,373 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.8538% | 2,678 |
Assets per employee ($millions) | 5.7160% | 1,612 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0735% | 4,643 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 49.9781% | 4,854 |
Net loans and leases to deposits | 55.4278% | 5,086 |
Net loans and leases to core deposits | 57.2409% | 5,172 |
Total domestic deposits to total assets | 90.1679% | 668 |
Equity capital to assets | 9.6790% | 4,532 |
Core capital (leverage) ratio | 9.2700% | 4,625 |
Tier 1 risk-based capital ratio | 17.2070% | 2,403 |
Total risk-based capital ratio | 18.1971% | 2,451 |
Memoranda: | ||
Average total assets | $22,620,500 | 6,288 |
Average earning assets | $20,181,000 | 6,280 |
Average equity | $2,190,000 | 6,300 |
Average total loans | $11,602,000 | 6,184 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6449% | 4,948 |
Cost of funding earning assets | 0.6260% | 1,567 |
Net interest margin | 3.0189% | 5,406 |
Noninterest income to average assets | 0.3318% | 4,736 |
Noninterest expense to average assets | 2.0828% | 5,615 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.6763% | 4,008 |
Return on assets (ROA) | 0.7074% | 3,969 |
Pretax return on assets | 0.8995% | 3,906 |
Return on Equity (ROE) | 7.6149% | 3,316 |
Retained earnings to average equity (ytd only) | 4.3245% | 3,114 |
Net charge-offs to loans | 0.0182% | 4,489 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 98.5000% | 533 |
Efficiency ratio | 70.7715% | 3,423 |
Assets per employee ($millions) | 5.5943% | 1,692 |
Cash dividends to net income (ytd only)* | 43.2099% | 2,682 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0641% | 4,737 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 51.5217% | 4,831 |
Net loans and leases to deposits | 57.1705% | 5,114 |
Net loans and leases to core deposits | 59.0837% | 5,195 |
Total domestic deposits to total assets | 90.1193% | 685 |
Equity capital to assets | 9.6841% | 4,488 |
Core capital (leverage) ratio | 9.4743% | 4,280 |
Tier 1 risk-based capital ratio | 17.2359% | 2,408 |
Total risk-based capital ratio | 18.2299% | 2,481 |
Memoranda: | ||
Average total assets | $22,902,200 | 6,374 |
Average earning assets | $19,808,400 | 6,370 |
Average equity | $2,127,400 | 6,387 |
Average total loans | $10,979,600 | 6,287 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7005% | 4,857 |
Cost of funding earning assets | 0.6371% | 1,544 |
Net interest margin | 3.0635% | 5,351 |
Noninterest income to average assets | 0.3184% | 4,888 |
Noninterest expense to average assets | 2.0491% | 5,679 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.6715% | 4,099 |
Return on assets (ROA) | 0.6715% | 4,186 |
Pretax return on assets | 0.8856% | 4,053 |
Return on Equity (ROE) | 7.3039% | 3,551 |
Retained earnings to average equity (ytd only) | 7.3039% | 1,672 |
Net charge-offs to loans | -0.0247% | 5,674 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.8225% | 3,543 |
Assets per employee ($millions) | 5.7670% | 1,512 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1841% | 4,315 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 45.9424% | 5,380 |
Net loans and leases to deposits | 50.8688% | 5,589 |
Net loans and leases to core deposits | 52.5147% | 5,656 |
Total domestic deposits to total assets | 90.3156% | 609 |
Equity capital to assets | 9.4720% | 4,829 |
Core capital (leverage) ratio | 9.4112% | 4,497 |
Tier 1 risk-based capital ratio | 18.4710% | 2,064 |
Total risk-based capital ratio | 19.5510% | 2,078 |
Memoranda: | ||
Average total assets | $23,033,500 | 6,447 |
Average earning assets | $19,672,250 | 6,449 |
Average equity | $2,117,500 | 6,464 |
Average total loans | $10,811,250 | 6,365 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6530% | 5,000 |
Cost of funding earning assets | 0.6512% | 1,502 |
Net interest margin | 3.0018% | 5,516 |
Noninterest income to average assets | 0.3041% | 4,971 |
Noninterest expense to average assets | 2.0502% | 5,725 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.6168% | 4,264 |
Return on assets (ROA) | 0.6168% | 4,367 |
Pretax return on assets | 0.8166% | 4,209 |
Return on Equity (ROE) | 6.7780% | 3,727 |
Retained earnings to average equity (ytd only) | 6.7780% | 1,883 |
Net charge-offs to loans | -0.0369% | 5,757 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.5152% | 3,431 |
Assets per employee ($millions) | 5.7493% | 1,479 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1895% | 4,468 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 46.2365% | 5,338 |
Net loans and leases to deposits | 51.0932% | 5,555 |
Net loans and leases to core deposits | 52.7457% | 5,627 |
Total domestic deposits to total assets | 90.4944% | 590 |
Equity capital to assets | 9.3230% | 4,957 |
Core capital (leverage) ratio | 9.0453% | 4,953 |
Tier 1 risk-based capital ratio | 17.9866% | 2,246 |
Total risk-based capital ratio | 19.0685% | 2,274 |
Memoranda: | ||
Average total assets | $23,022,000 | 6,516 |
Average earning assets | $19,655,000 | 6,513 |
Average equity | $2,095,000 | 6,524 |
Average total loans | $10,840,000 | 6,422 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6479% | 5,013 |
Cost of funding earning assets | 0.6521% | 1,570 |
Net interest margin | 2.9957% | 5,533 |
Noninterest income to average assets | 0.2778% | 5,148 |
Noninterest expense to average assets | 1.9796% | 5,922 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.6425% | 3,984 |
Return on assets (ROA) | 0.6425% | 4,074 |
Pretax return on assets | 0.8509% | 3,897 |
Return on Equity (ROE) | 7.1480% | 3,386 |
Retained earnings to average equity (ytd only) | 7.1480% | 1,956 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9387% | 3,846 |
Assets per employee ($millions) | 5.9338% | 1,349 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1841% | 4,713 |
Loan loss allowance to noncurrent loans | 4,200.0000% | 149 |
Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,289 |
Noncurrent loans to loans | 0.0282% | 6,071 |
Net loans and leases to total assets | 44.3017% | 5,481 |
Net loans and leases to deposits | 48.6828% | 5,693 |
Net loans and leases to core deposits | 50.1981% | 5,749 |
Total domestic deposits to total assets | 91.0006% | 567 |
Equity capital to assets | 8.8266% | 5,300 |
Core capital (leverage) ratio | 8.8673% | 5,180 |
Tier 1 risk-based capital ratio | 17.4322% | 2,498 |
Total risk-based capital ratio | 18.4806% | 2,542 |
Memoranda: | ||
Average total assets | $23,034,500 | 6,585 |
Average earning assets | $19,628,000 | 6,582 |
Average equity | $2,070,500 | 6,592 |
Average total loans | $10,879,500 | 6,490 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8077% | 4,793 |
Cost of funding earning assets | 0.7809% | 1,318 |
Net interest margin | 3.0267% | 5,515 |
Noninterest income to average assets | 0.3468% | 4,844 |
Noninterest expense to average assets | 2.0321% | 5,967 |
Loan and lease loss provision to assets | 0.0044% | 5,028 |
Net operating income to assets | 0.7292% | 3,661 |
Return on assets (ROA) | 0.7292% | 3,749 |
Pretax return on assets | 0.9471% | 3,570 |
Return on Equity (ROE) | 8.1212% | 2,972 |
Retained earnings to average equity (ytd only) | 4.6548% | 2,851 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.1073% | 4,179 |
Assets per employee ($millions) | 5.5835% | 1,578 |
Cash dividends to net income (ytd only)* | 42.6829% | 2,668 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1333% | 4,981 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 49.2164% | 5,170 |
Net loans and leases to deposits | 54.4779% | 5,431 |
Net loans and leases to core deposits | 56.2942% | 5,511 |
Total domestic deposits to total assets | 90.3421% | 905 |
Equity capital to assets | 9.1609% | 4,850 |
Core capital (leverage) ratio | 8.9310% | 5,109 |
Tier 1 risk-based capital ratio | 17.0047% | 2,602 |
Total risk-based capital ratio | 18.0519% | 2,663 |
Memoranda: | ||
Average total assets | $22,489,600 | 6,667 |
Average earning assets | $19,592,000 | 6,665 |
Average equity | $2,019,400 | 6,681 |
Average total loans | $11,526,600 | 6,537 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8091% | 4,822 |
Cost of funding earning assets | 0.7987% | 1,330 |
Net interest margin | 3.0105% | 5,565 |
Noninterest income to average assets | 0.3433% | 4,946 |
Noninterest expense to average assets | 2.0182% | 5,976 |
Loan and lease loss provision to assets | 0.0059% | 4,853 |
Net operating income to assets | 0.7043% | 3,838 |
Return on assets (ROA) | 0.7043% | 3,971 |
Pretax return on assets | 0.9292% | 3,767 |
Return on Equity (ROE) | 7.8827% | 3,181 |
Retained earnings to average equity (ytd only) | 7.8827% | 1,463 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3367% | 4,029 |
Assets per employee ($millions) | 5.6695% | 1,480 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1022% | 5,323 |
Loan loss allowance to noncurrent loans | 74.1176% | 4,266 |
Noncurrent assets plus other real estate owned to assets | 0.7496% | 4,231 |
Noncurrent loans to loans | 1.4871% | 2,934 |
Net loans and leases to total assets | 49.8545% | 5,156 |
Net loans and leases to deposits | 54.9662% | 5,457 |
Net loans and leases to core deposits | 56.7627% | 5,554 |
Total domestic deposits to total assets | 90.7002% | 655 |
Equity capital to assets | 9.1322% | 5,014 |
Core capital (leverage) ratio | 9.1310% | 4,921 |
Tier 1 risk-based capital ratio | 16.7883% | 2,815 |
Total risk-based capital ratio | 17.8097% | 2,879 |
Memoranda: | ||
Average total assets | $22,528,500 | 6,741 |
Average earning assets | $19,531,500 | 6,740 |
Average equity | $2,012,750 | 6,765 |
Average total loans | $11,628,750 | 6,604 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7531% | 4,980 |
Cost of funding earning assets | 0.8261% | 1,279 |
Net interest margin | 2.9270% | 5,733 |
Noninterest income to average assets | 0.3025% | 5,286 |
Noninterest expense to average assets | 2.0642% | 5,935 |
Loan and lease loss provision to assets | 0.0089% | 4,684 |
Net operating income to assets | 0.5961% | 4,305 |
Return on assets (ROA) | 0.5961% | 4,489 |
Pretax return on assets | 0.7830% | 4,377 |
Return on Equity (ROE) | 6.7224% | 3,759 |
Retained earnings to average equity (ytd only) | 6.7224% | 2,024 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2741% | 3,424 |
Assets per employee ($millions) | 5.4860% | 1,603 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0965% | 5,462 |
Loan loss allowance to noncurrent loans | 74.1176% | 4,249 |
Noncurrent assets plus other real estate owned to assets | 0.7747% | 4,287 |
Noncurrent loans to loans | 1.4794% | 3,087 |
Net loans and leases to total assets | 51.7909% | 4,889 |
Net loans and leases to deposits | 57.1536% | 5,232 |
Net loans and leases to core deposits | 58.0291% | 5,420 |
Total domestic deposits to total assets | 90.6170% | 697 |
Equity capital to assets | 9.2326% | 4,945 |
Core capital (leverage) ratio | 8.9901% | 5,004 |
Tier 1 risk-based capital ratio | 16.4208% | 2,972 |
Total risk-based capital ratio | 17.4420% | 3,046 |
Memoranda: | ||
Average total assets | $22,478,670 | 6,792 |
Average earning assets | $19,610,330 | 6,786 |
Average equity | $1,993,330 | 6,818 |
Average total loans | $11,694,330 | 6,643 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6167% | 5,405 |
Cost of funding earning assets | 0.8439% | 1,282 |
Net interest margin | 2.7728% | 6,083 |
Noninterest income to average assets | 0.2814% | 5,449 |
Noninterest expense to average assets | 1.9520% | 6,196 |
Loan and lease loss provision to assets | 0.0176% | 4,246 |
Net operating income to assets | 0.5803% | 4,310 |
Return on assets (ROA) | 0.5803% | 4,460 |
Pretax return on assets | 0.7386% | 4,415 |
Return on Equity (ROE) | 6.6768% | 3,676 |
Retained earnings to average equity (ytd only) | 6.6768% | 2,325 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.0779% | 3,599 |
Assets per employee ($millions) | 5.9203% | 1,321 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0827% | 5,680 |
Loan loss allowance to noncurrent loans | 73.6842% | 4,183 |
Noncurrent assets plus other real estate owned to assets | 0.7221% | 4,562 |
Noncurrent loans to loans | 1.4693% | 3,357 |
Net loans and leases to total assets | 48.6128% | 5,164 |
Net loans and leases to deposits | 53.1732% | 5,506 |
Net loans and leases to core deposits | 53.9204% | 5,669 |
Total domestic deposits to total assets | 91.4235% | 378 |
Equity capital to assets | 8.4118% | 6,090 |
Core capital (leverage) ratio | 8.7231% | 5,294 |
Tier 1 risk-based capital ratio | 15.4048% | 3,591 |
Total risk-based capital ratio | 16.3792% | 3,704 |
Memoranda: | ||
Average total assets | $22,746,000 | 6,862 |
Average earning assets | $19,907,500 | 6,853 |
Average equity | $1,977,000 | 6,883 |
Average total loans | $11,796,000 | 6,706 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0769% | 5,028 |
Cost of funding earning assets | 1.1399% | 770 |
Net interest margin | 2.9370% | 6,161 |
Noninterest income to average assets | 0.3104% | 5,231 |
Noninterest expense to average assets | 2.1491% | 6,024 |
Loan and lease loss provision to assets | 0.3339% | 2,026 |
Net operating income to assets | 0.4326% | 4,959 |
Return on assets (ROA) | 0.4326% | 5,199 |
Pretax return on assets | 0.5173% | 5,227 |
Return on Equity (ROE) | 4.7160% | 4,829 |
Retained earnings to average equity (ytd only) | 2.9731% | 4,138 |
Net charge-offs to loans | 0.1344% | 4,335 |
Credit loss provision to net charge-offs | 417.6471% | 576 |
Earnings coverage of net charge-offs (x) | 10.6471% | 2,122 |
Efficiency ratio | 71.6301% | 3,493 |
Assets per employee ($millions) | 5.4528% | 1,731 |
Cash dividends to net income (ytd only)* | 36.9565% | 3,034 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0540% | 5,748 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4997% | 5,225 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 54.2295% | 4,589 |
Net loans and leases to deposits | 59.7525% | 5,050 |
Net loans and leases to core deposits | 60.6720% | 5,299 |
Total domestic deposits to total assets | 90.7570% | 590 |
Equity capital to assets | 8.9955% | 5,528 |
Core capital (leverage) ratio | 8.7789% | 5,208 |
Tier 1 risk-based capital ratio | 15.3485% | 3,514 |
Total risk-based capital ratio | 16.3342% | 3,625 |
Memoranda: | ||
Average total assets | $21,265,200 | 6,940 |
Average earning assets | $19,475,800 | 6,916 |
Average equity | $1,950,800 | 6,957 |
Average total loans | $12,649,000 | 6,751 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0627% | 5,316 |
Cost of funding earning assets | 1.1647% | 813 |
Net interest margin | 2.8980% | 6,364 |
Noninterest income to average assets | 0.3029% | 5,361 |
Noninterest expense to average assets | 2.1329% | 6,105 |
Loan and lease loss provision to assets | 0.0884% | 4,502 |
Net operating income to assets | 0.5742% | 4,501 |
Return on assets (ROA) | 0.5742% | 4,775 |
Pretax return on assets | 0.7509% | 4,674 |
Return on Equity (ROE) | 6.2284% | 4,214 |
Retained earnings to average equity (ytd only) | 6.2284% | 2,541 |
Net charge-offs to loans | 0.1663% | 3,789 |
Credit loss provision to net charge-offs | 87.5000% | 3,382 |
Earnings coverage of net charge-offs (x) | 8.3136% | 2,467 |
Efficiency ratio | 71.7622% | 3,371 |
Assets per employee ($millions) | 5.4780% | 1,657 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5184% | 6,941 |
Loan loss allowance to noncurrent loans | 38.5475% | 5,715 |
Noncurrent assets plus other real estate owned to assets | 1.3189% | 3,652 |
Noncurrent loans to loans | 1.3448% | 3,779 |
Net loans and leases to total assets | 60.4326% | 3,686 |
Net loans and leases to deposits | 66.6969% | 4,376 |
Net loans and leases to core deposits | 66.6969% | 4,877 |
Total domestic deposits to total assets | 90.6079% | 553 |
Equity capital to assets | 9.1046% | 5,703 |
Core capital (leverage) ratio | 9.4389% | 4,363 |
Tier 1 risk-based capital ratio | 14.5493% | 4,150 |
Total risk-based capital ratio | 15.0525% | 4,645 |
Memoranda: | ||
Average total assets | $21,128,750 | 7,033 |
Average earning assets | $19,461,250 | 7,008 |
Average equity | $1,948,000 | 7,047 |
Average total loans | $12,822,750 | 6,834 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9576% | 5,764 |
Cost of funding earning assets | 1.1852% | 878 |
Net interest margin | 2.7724% | 6,619 |
Noninterest income to average assets | 0.3067% | 5,360 |
Noninterest expense to average assets | 2.1373% | 6,164 |
Loan and lease loss provision to assets | 0.0575% | 4,942 |
Net operating income to assets | 0.5367% | 4,646 |
Return on assets (ROA) | 0.5367% | 4,920 |
Pretax return on assets | 0.6901% | 4,858 |
Return on Equity (ROE) | 5.7961% | 4,426 |
Retained earnings to average equity (ytd only) | 5.7961% | 2,828 |
Net charge-offs to loans | -0.0632% | 6,731 |
Credit loss provision to net charge-offs | -150.0000% | 6,102 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0864% | 3,060 |
Assets per employee ($millions) | 5.1175% | 2,009 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6026% | 6,933 |
Loan loss allowance to noncurrent loans | 29.8893% | 6,164 |
Noncurrent assets plus other real estate owned to assets | 1.3776% | 3,674 |
Noncurrent loans to loans | 2.0162% | 2,933 |
Net loans and leases to total assets | 65.2662% | 2,806 |
Net loans and leases to deposits | 72.4276% | 3,549 |
Net loans and leases to core deposits | 72.4276% | 4,250 |
Total domestic deposits to total assets | 90.1124% | 864 |
Equity capital to assets | 9.5750% | 4,942 |
Core capital (leverage) ratio | 9.3338% | 4,404 |
Tier 1 risk-based capital ratio | 14.5046% | 4,102 |
Total risk-based capital ratio | 15.1040% | 4,530 |
Memoranda: | ||
Average total assets | $20,867,670 | 7,097 |
Average earning assets | $19,405,670 | 7,067 |
Average equity | $1,932,330 | 7,100 |
Average total loans | $12,660,000 | 6,897 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9613% | 5,882 |
Cost of funding earning assets | 1.2173% | 909 |
Net interest margin | 2.7440% | 6,723 |
Noninterest income to average assets | 0.2848% | 5,596 |
Noninterest expense to average assets | 2.1076% | 6,257 |
Loan and lease loss provision to assets | 0.0570% | 4,696 |
Net operating income to assets | 0.5127% | 4,769 |
Return on assets (ROA) | 0.5127% | 4,980 |
Pretax return on assets | 0.6456% | 4,950 |
Return on Equity (ROE) | 5.6294% | 4,482 |
Retained earnings to average equity (ytd only) | 5.6294% | 3,179 |
Net charge-offs to loans | -0.0652% | 6,645 |
Credit loss provision to net charge-offs | -150.0000% | 5,549 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.0000% | 2,938 |
Assets per employee ($millions) | 5.3488% | 1,837 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6269% | 6,956 |
Loan loss allowance to noncurrent loans | 26.7606% | 6,312 |
Noncurrent assets plus other real estate owned to assets | 1.3788% | 3,811 |
Noncurrent loans to loans | 2.3425% | 2,755 |
Net loans and leases to total assets | 56.3122% | 4,328 |
Net loans and leases to deposits | 62.0935% | 4,905 |
Net loans and leases to core deposits | 62.0935% | 5,314 |
Total domestic deposits to total assets | 90.6894% | 693 |
Equity capital to assets | 9.0301% | 5,446 |
Core capital (leverage) ratio | 9.2626% | 4,419 |
Tier 1 risk-based capital ratio | 15.1363% | 3,660 |
Total risk-based capital ratio | 15.7317% | 4,088 |
Memoranda: | ||
Average total assets | $21,066,500 | 7,156 |
Average earning assets | $19,387,500 | 7,125 |
Average equity | $1,918,500 | 7,160 |
Average total loans | $12,269,500 | 6,967 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1952% | 6,065 |
Cost of funding earning assets | 1.2777% | 1,585 |
Net interest margin | 2.9175% | 6,660 |
Noninterest income to average assets | 0.3613% | 4,930 |
Noninterest expense to average assets | 2.2026% | 6,262 |
Loan and lease loss provision to assets | 0.0297% | 6,198 |
Net operating income to assets | 0.6336% | 3,813 |
Return on assets (ROA) | 0.6336% | 4,015 |
Pretax return on assets | 0.8415% | 3,815 |
Return on Equity (ROE) | 6.7023% | 3,536 |
Retained earnings to average equity (ytd only) | 2.1468% | 4,688 |
Net charge-offs to loans | 0.2142% | 4,448 |
Credit loss provision to net charge-offs | 24.0000% | 5,863 |
Earnings coverage of net charge-offs (x) | 7.0400% | 2,409 |
Efficiency ratio | 71.6586% | 3,647 |
Assets per employee ($millions) | 6.9127% | 767 |
Cash dividends to net income (ytd only)* | 67.9688% | 1,220 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5719% | 7,037 |
Loan loss allowance to noncurrent loans | 70.2970% | 4,036 |
Noncurrent assets plus other real estate owned to assets | 0.5401% | 5,621 |
Noncurrent loans to loans | 0.8135% | 5,066 |
Net loans and leases to total assets | 59.5236% | 4,075 |
Net loans and leases to deposits | 65.7610% | 4,773 |
Net loans and leases to core deposits | 65.7610% | 5,279 |
Total domestic deposits to total assets | 90.5150% | 711 |
Equity capital to assets | 9.1860% | 5,315 |
Core capital (leverage) ratio | 9.1631% | 4,523 |
Tier 1 risk-based capital ratio | 14.5687% | 3,923 |
Total risk-based capital ratio | 15.1117% | 4,388 |
Memoranda: | ||
Average total assets | $20,203,000 | 7,203 |
Average earning assets | $18,783,400 | 7,168 |
Average equity | $1,909,800 | 7,222 |
Average total loans | $11,672,200 | 7,048 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2598% | 6,065 |
Cost of funding earning assets | 1.2915% | 1,757 |
Net interest margin | 2.9683% | 6,638 |
Noninterest income to average assets | 0.3919% | 4,724 |
Noninterest expense to average assets | 2.2854% | 6,075 |
Loan and lease loss provision to assets | 0.0399% | 5,945 |
Net operating income to assets | 0.6510% | 3,869 |
Return on assets (ROA) | 0.6510% | 4,039 |
Pretax return on assets | 0.8304% | 4,013 |
Return on Equity (ROE) | 6.8373% | 3,592 |
Retained earnings to average equity (ytd only) | 6.8373% | 2,054 |
Net charge-offs to loans | 0.3018% | 3,581 |
Credit loss provision to net charge-offs | 23.0769% | 5,519 |
Earnings coverage of net charge-offs (x) | 5.0378% | 2,891 |
Efficiency ratio | 72.4211% | 3,469 |
Assets per employee ($millions) | 6.9180% | 771 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6286% | 7,049 |
Loan loss allowance to noncurrent loans | 57.8512% | 4,568 |
Noncurrent assets plus other real estate owned to assets | 0.6360% | 5,550 |
Noncurrent loans to loans | 1.0866% | 4,738 |
Net loans and leases to total assets | 53.3198% | 5,273 |
Net loans and leases to deposits | 59.0754% | 5,739 |
Net loans and leases to core deposits | 59.0754% | 6,051 |
Total domestic deposits to total assets | 90.2573% | 744 |
Equity capital to assets | 9.4536% | 5,160 |
Core capital (leverage) ratio | 9.4065% | 4,295 |
Tier 1 risk-based capital ratio | 16.2431% | 2,997 |
Total risk-based capital ratio | 16.8226% | 3,306 |
Memoranda: | ||
Average total assets | $20,069,250 | 7,279 |
Average earning assets | $18,685,750 | 7,241 |
Average equity | $1,911,000 | 7,296 |
Average total loans | $11,486,500 | 7,123 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2754% | 6,092 |
Cost of funding earning assets | 1.3205% | 1,823 |
Net interest margin | 2.9549% | 6,686 |
Noninterest income to average assets | 0.3629% | 4,974 |
Noninterest expense to average assets | 2.3184% | 6,074 |
Loan and lease loss provision to assets | 0.0302% | 5,929 |
Net operating income to assets | 0.5846% | 4,135 |
Return on assets (ROA) | 0.5846% | 4,266 |
Pretax return on assets | 0.7661% | 4,158 |
Return on Equity (ROE) | 6.1246% | 3,901 |
Retained earnings to average equity (ytd only) | 6.1246% | 2,345 |
Net charge-offs to loans | 0.2585% | 3,592 |
Credit loss provision to net charge-offs | 20.0000% | 5,133 |
Earnings coverage of net charge-offs (x) | 5.2667% | 2,652 |
Efficiency ratio | 74.4337% | 3,283 |
Assets per employee ($millions) | 4.9575% | 2,189 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6837% | 7,037 |
Loan loss allowance to noncurrent loans | 89.7727% | 3,167 |
Noncurrent assets plus other real estate owned to assets | 0.4438% | 6,036 |
Noncurrent loans to loans | 0.7616% | 5,385 |
Net loans and leases to total assets | 57.8719% | 4,656 |
Net loans and leases to deposits | 64.3021% | 5,233 |
Net loans and leases to core deposits | 64.3021% | 5,693 |
Total domestic deposits to total assets | 90.0000% | 976 |
Equity capital to assets | 9.6974% | 4,540 |
Core capital (leverage) ratio | 9.6891% | 3,674 |
Tier 1 risk-based capital ratio | 15.6903% | 3,135 |
Total risk-based capital ratio | 16.3349% | 3,418 |
Memoranda: | ||
Average total assets | $19,841,000 | 7,355 |
Average earning assets | $18,478,000 | 7,318 |
Average equity | $1,894,000 | 7,365 |
Average total loans | $11,603,330 | 7,187 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2572% | 6,130 |
Cost of funding earning assets | 1.3467% | 1,906 |
Net interest margin | 2.9105% | 6,739 |
Noninterest income to average assets | 0.3829% | 4,854 |
Noninterest expense to average assets | 2.2170% | 6,384 |
Loan and lease loss provision to assets | 0.0403% | 5,489 |
Net operating income to assets | 0.6248% | 3,893 |
Return on assets (ROA) | 0.6248% | 3,961 |
Pretax return on assets | 0.8263% | 3,804 |
Return on Equity (ROE) | 6.5975% | 3,578 |
Retained earnings to average equity (ytd only) | 6.5975% | 2,326 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.8954% | 3,889 |
Assets per employee ($millions) | 5.0848% | 2,044 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8073% | 6,902 |
Loan loss allowance to noncurrent loans | 67.6471% | 4,035 |
Noncurrent assets plus other real estate owned to assets | 0.6687% | 5,624 |
Noncurrent loans to loans | 1.1934% | 4,692 |
Net loans and leases to total assets | 55.5780% | 5,066 |
Net loans and leases to deposits | 61.4415% | 5,576 |
Net loans and leases to core deposits | 61.4415% | 5,977 |
Total domestic deposits to total assets | 90.4568% | 865 |
Equity capital to assets | 9.3171% | 4,699 |
Core capital (leverage) ratio | 9.4059% | 3,951 |
Tier 1 risk-based capital ratio | 15.5647% | 3,130 |
Total risk-based capital ratio | 16.3203% | 3,346 |
Memoranda: | ||
Average total assets | $19,846,500 | 7,409 |
Average earning assets | $18,416,000 | 7,377 |
Average equity | $1,879,500 | 7,417 |
Average total loans | $11,627,500 | 7,245 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5839% | 6,158 |
Cost of funding earning assets | 1.4910% | 2,699 |
Net interest margin | 3.0929% | 6,539 |
Noninterest income to average assets | 0.4546% | 4,484 |
Noninterest expense to average assets | 2.5155% | 5,731 |
Loan and lease loss provision to assets | 0.0556% | 6,587 |
Net operating income to assets | 0.5506% | 3,886 |
Return on assets (ROA) | 0.5506% | 4,041 |
Pretax return on assets | 0.7021% | 3,969 |
Return on Equity (ROE) | 5.8158% | 3,693 |
Retained earnings to average equity (ytd only) | 2.0809% | 4,425 |
Net charge-offs to loans | 0.0487% | 6,309 |
Credit loss provision to net charge-offs | 183.3333% | 1,794 |
Earnings coverage of net charge-offs (x) | 25.0000% | 844 |
Efficiency ratio | 76.8519% | 2,892 |
Assets per employee ($millions) | 4.8385% | 2,361 |
Cash dividends to net income (ytd only)* | 64.2202% | 1,459 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7589% | 7,044 |
Loan loss allowance to noncurrent loans | 191.4894% | 1,559 |
Noncurrent assets plus other real estate owned to assets | 0.2428% | 6,629 |
Noncurrent loans to loans | 0.3963% | 6,256 |
Net loans and leases to total assets | 60.8091% | 4,523 |
Net loans and leases to deposits | 67.4789% | 5,170 |
Net loans and leases to core deposits | 67.4789% | 5,715 |
Total domestic deposits to total assets | 90.1157% | 1,028 |
Equity capital to assets | 9.6311% | 4,231 |
Core capital (leverage) ratio | 9.5929% | 3,566 |
Tier 1 risk-based capital ratio | 15.3176% | 3,086 |
Total risk-based capital ratio | 16.0572% | 3,323 |
Memoranda: | ||
Average total assets | $19,797,400 | 7,473 |
Average earning assets | $18,041,400 | 7,447 |
Average equity | $1,874,200 | 7,523 |
Average total loans | $12,325,600 | 7,285 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7359% | 5,898 |
Cost of funding earning assets | 1.5149% | 2,881 |
Net interest margin | 3.2210% | 6,272 |
Noninterest income to average assets | 0.4219% | 4,784 |
Noninterest expense to average assets | 2.4579% | 5,864 |
Loan and lease loss provision to assets | 0.0536% | 6,534 |
Net operating income to assets | 0.6295% | 3,752 |
Return on assets (ROA) | 0.6295% | 3,920 |
Pretax return on assets | 0.8439% | 3,761 |
Return on Equity (ROE) | 6.6780% | 3,497 |
Retained earnings to average equity (ytd only) | 6.6780% | 1,999 |
Net charge-offs to loans | 0.0643% | 5,872 |
Credit loss provision to net charge-offs | 133.3333% | 3,030 |
Earnings coverage of net charge-offs (x) | 22.3325% | 1,098 |
Efficiency ratio | 73.2535% | 3,474 |
Assets per employee ($millions) | 4.9698% | 2,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7315% | 7,144 |
Loan loss allowance to noncurrent loans | 39.1892% | 5,696 |
Noncurrent assets plus other real estate owned to assets | 1.1168% | 4,884 |
Noncurrent loans to loans | 1.8666% | 3,845 |
Net loans and leases to total assets | 59.3893% | 5,022 |
Net loans and leases to deposits | 65.9516% | 5,670 |
Net loans and leases to core deposits | 65.9516% | 6,128 |
Total domestic deposits to total assets | 90.0498% | 853 |
Equity capital to assets | 9.6534% | 4,613 |
Core capital (leverage) ratio | 9.7908% | 3,501 |
Tier 1 risk-based capital ratio | 16.1464% | 2,698 |
Total risk-based capital ratio | 16.8784% | 2,901 |
Memoranda: | ||
Average total assets | $19,908,250 | 7,569 |
Average earning assets | $18,130,500 | 7,544 |
Average equity | $1,876,750 | 7,621 |
Average total loans | $12,442,250 | 7,376 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8070% | 5,773 |
Cost of funding earning assets | 1.5549% | 2,933 |
Net interest margin | 3.2521% | 6,163 |
Noninterest income to average assets | 0.3816% | 5,073 |
Noninterest expense to average assets | 2.5003% | 5,718 |
Loan and lease loss provision to assets | 0.0502% | 6,467 |
Net operating income to assets | 0.5824% | 3,943 |
Return on assets (ROA) | 0.5824% | 4,087 |
Pretax return on assets | 0.8133% | 3,834 |
Return on Equity (ROE) | 6.2276% | 3,683 |
Retained earnings to average equity (ytd only) | 6.2276% | 2,212 |
Net charge-offs to loans | 0.0950% | 5,194 |
Credit loss provision to net charge-offs | 83.3333% | 4,615 |
Earnings coverage of net charge-offs (x) | 14.3333% | 1,530 |
Efficiency ratio | 74.3284% | 3,406 |
Assets per employee ($millions) | 4.9045% | 2,298 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6919% | 7,269 |
Loan loss allowance to noncurrent loans | 37.8378% | 5,831 |
Noncurrent assets plus other real estate owned to assets | 1.1316% | 4,874 |
Noncurrent loans to loans | 1.8287% | 3,967 |
Net loans and leases to total assets | 61.4538% | 4,791 |
Net loans and leases to deposits | 72.3085% | 4,943 |
Net loans and leases to core deposits | 72.3085% | 5,637 |
Total domestic deposits to total assets | 84.9883% | 3,634 |
Equity capital to assets | 9.6391% | 4,488 |
Core capital (leverage) ratio | 9.3841% | 3,984 |
Tier 1 risk-based capital ratio | 15.5587% | 2,866 |
Total risk-based capital ratio | 16.2498% | 3,122 |
Memoranda: | ||
Average total assets | $19,918,000 | 7,629 |
Average earning assets | $18,265,000 | 7,606 |
Average equity | $1,862,670 | 7,690 |
Average total loans | $12,625,330 | 7,421 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8108% | 5,855 |
Cost of funding earning assets | 1.5819% | 3,068 |
Net interest margin | 3.2289% | 6,201 |
Noninterest income to average assets | 0.3986% | 4,928 |
Noninterest expense to average assets | 2.4118% | 6,046 |
Loan and lease loss provision to assets | 0.0598% | 6,045 |
Net operating income to assets | 0.6578% | 3,628 |
Return on assets (ROA) | 0.6578% | 3,740 |
Pretax return on assets | 0.8970% | 3,482 |
Return on Equity (ROE) | 7.1409% | 3,275 |
Retained earnings to average equity (ytd only) | 7.1409% | 2,074 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.5976% | 3,996 |
Assets per employee ($millions) | 4.0108% | 3,843 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6876% | 7,360 |
Loan loss allowance to noncurrent loans | 166.0377% | 1,684 |
Noncurrent assets plus other real estate owned to assets | 0.2643% | 6,810 |
Noncurrent loans to loans | 0.4141% | 6,465 |
Net loans and leases to total assets | 63.3789% | 4,452 |
Net loans and leases to deposits | 74.2450% | 4,705 |
Net loans and leases to core deposits | 74.2450% | 5,480 |
Total domestic deposits to total assets | 85.3645% | 3,479 |
Equity capital to assets | 9.2999% | 4,830 |
Core capital (leverage) ratio | 9.3737% | 3,943 |
Tier 1 risk-based capital ratio | 14.8310% | 3,193 |
Total risk-based capital ratio | 15.5308% | 3,463 |
Memoranda: | ||
Average total assets | $20,068,000 | 7,721 |
Average earning assets | $18,458,500 | 7,694 |
Average equity | $1,848,500 | 7,777 |
Average total loans | $12,868,000 | 7,502 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2040% | 5,631 |
Cost of funding earning assets | 1.7458% | 4,270 |
Net interest margin | 3.4582% | 5,135 |
Noninterest income to average assets | 0.4597% | 4,720 |
Noninterest expense to average assets | 2.6392% | 5,631 |
Loan and lease loss provision to assets | 0.0620% | 6,945 |
Net operating income to assets | 0.7592% | 2,681 |
Return on assets (ROA) | 0.7592% | 2,777 |
Pretax return on assets | 0.9607% | 2,725 |
Return on Equity (ROE) | 8.0266% | 2,359 |
Retained earnings to average equity (ytd only) | 3.2216% | 2,903 |
Net charge-offs to loans | 0.0327% | 6,800 |
Credit loss provision to net charge-offs | 300.0000% | 1,104 |
Earnings coverage of net charge-offs (x) | 49.5000% | 522 |
Efficiency ratio | 72.0733% | 4,250 |
Assets per employee ($millions) | 4.0164% | 3,786 |
Cash dividends to net income (ytd only)* | 59.8639% | 2,012 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6570% | 7,459 |
Loan loss allowance to noncurrent loans | 170.0000% | 1,723 |
Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,832 |
Noncurrent loans to loans | 0.3865% | 6,505 |
Net loans and leases to total assets | 64.0026% | 4,595 |
Net loans and leases to deposits | 74.8922% | 4,893 |
Net loans and leases to core deposits | 81.3481% | 5,973 |
Total domestic deposits to total assets | 85.4596% | 3,317 |
Equity capital to assets | 9.1226% | 4,948 |
Core capital (leverage) ratio | 8.9910% | 4,437 |
Tier 1 risk-based capital ratio | 14.3472% | 3,291 |
Total risk-based capital ratio | 15.0129% | 3,595 |
Memoranda: | ||
Average total assets | $19,361,600 | 7,792 |
Average earning assets | $17,928,600 | 7,763 |
Average equity | $1,831,400 | 7,870 |
Average total loans | $12,227,000 | 7,588 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2825% | 5,519 |
Cost of funding earning assets | 1.7809% | 4,476 |
Net interest margin | 3.5016% | 4,860 |
Noninterest income to average assets | 0.4866% | 4,609 |
Noninterest expense to average assets | 2.6066% | 5,694 |
Loan and lease loss provision to assets | 0.0626% | 6,736 |
Net operating income to assets | 0.8550% | 2,592 |
Return on assets (ROA) | 0.8550% | 2,658 |
Pretax return on assets | 1.0566% | 2,718 |
Return on Equity (ROE) | 8.9556% | 2,276 |
Retained earnings to average equity (ytd only) | 8.9556% | 848 |
Net charge-offs to loans | 0.0442% | 6,288 |
Credit loss provision to net charge-offs | 225.0000% | 1,940 |
Earnings coverage of net charge-offs (x) | 40.2739% | 744 |
Efficiency ratio | 69.9627% | 4,599 |
Assets per employee ($millions) | 4.0322% | 3,665 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6611% | 7,465 |
Loan loss allowance to noncurrent loans | 97.6190% | 2,838 |
Noncurrent assets plus other real estate owned to assets | 0.4166% | 6,410 |
Noncurrent loans to loans | 0.6773% | 5,945 |
Net loans and leases to total assets | 61.1130% | 5,404 |
Net loans and leases to deposits | 71.7004% | 5,696 |
Net loans and leases to core deposits | 77.2573% | 6,542 |
Total domestic deposits to total assets | 85.2339% | 3,108 |
Equity capital to assets | 9.4043% | 4,877 |
Core capital (leverage) ratio | 9.3579% | 4,102 |
Tier 1 risk-based capital ratio | 15.4725% | 2,842 |
Total risk-based capital ratio | 16.1417% | 3,033 |
Memoranda: | ||
Average total assets | $19,181,500 | 7,870 |
Average earning assets | $17,743,750 | 7,849 |
Average equity | $1,831,250 | 7,952 |
Average total loans | $12,049,250 | 7,673 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3937% | 5,181 |
Cost of funding earning assets | 1.8132% | 4,695 |
Net interest margin | 3.5805% | 4,446 |
Noninterest income to average assets | 0.4667% | 4,733 |
Noninterest expense to average assets | 2.6624% | 5,508 |
Loan and lease loss provision to assets | 0.0636% | 6,572 |
Net operating income to assets | 0.8486% | 2,660 |
Return on assets (ROA) | 0.8486% | 2,761 |
Pretax return on assets | 1.0501% | 2,807 |
Return on Equity (ROE) | 8.8414% | 2,415 |
Retained earnings to average equity (ytd only) | 8.8414% | 978 |
Net charge-offs to loans | 0.0671% | 5,562 |
Credit loss provision to net charge-offs | 150.0000% | 3,068 |
Earnings coverage of net charge-offs (x) | 26.2500% | 1,086 |
Efficiency ratio | 70.5056% | 4,682 |
Assets per employee ($millions) | 3.8948% | 3,881 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6739% | 7,478 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 59.7874% | 5,715 |
Net loans and leases to deposits | 70.3675% | 5,946 |
Net loans and leases to core deposits | 75.7761% | 6,691 |
Total domestic deposits to total assets | 84.9646% | 3,282 |
Equity capital to assets | 9.5101% | 4,601 |
Core capital (leverage) ratio | 9.5889% | 3,772 |
Tier 1 risk-based capital ratio | 15.0839% | 2,987 |
Total risk-based capital ratio | 15.7273% | 3,207 |
Memoranda: | ||
Average total assets | $18,855,000 | 7,963 |
Average earning assets | $17,427,670 | 7,933 |
Average equity | $1,809,670 | 8,038 |
Average total loans | $11,931,330 | 7,753 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4684% | 5,074 |
Cost of funding earning assets | 1.8775% | 4,752 |
Net interest margin | 3.5908% | 4,352 |
Noninterest income to average assets | 0.3667% | 5,500 |
Noninterest expense to average assets | 2.5235% | 5,750 |
Loan and lease loss provision to assets | 0.0647% | 6,142 |
Net operating income to assets | 0.6686% | 3,714 |
Return on assets (ROA) | 0.6686% | 3,889 |
Pretax return on assets | 1.0784% | 3,066 |
Return on Equity (ROE) | 6.9332% | 3,619 |
Retained earnings to average equity (ytd only) | 6.9332% | 2,235 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8235% | 4,814 |
Assets per employee ($millions) | 3.8150% | 4,050 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6679% | 7,532 |
Loan loss allowance to noncurrent loans | 80.0000% | 3,671 |
Noncurrent assets plus other real estate owned to assets | 0.5242% | 5,906 |
Noncurrent loans to loans | 0.8349% | 5,352 |
Net loans and leases to total assets | 62.3696% | 5,258 |
Net loans and leases to deposits | 73.4700% | 5,543 |
Net loans and leases to core deposits | 80.3146% | 6,358 |
Total domestic deposits to total assets | 84.8912% | 3,259 |
Equity capital to assets | 9.4574% | 4,733 |
Core capital (leverage) ratio | 9.6802% | 3,780 |
Tier 1 risk-based capital ratio | 14.5144% | 3,304 |
Total risk-based capital ratio | 15.1581% | 3,567 |
Memoranda: | ||
Average total assets | $18,545,500 | 8,021 |
Average earning assets | $17,043,500 | 7,993 |
Average equity | $1,788,500 | 8,094 |
Average total loans | $12,036,000 | 7,799 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0429% | 5,339 |
Cost of funding earning assets | 2.1492% | 5,835 |
Net interest margin | 3.8936% | 3,590 |
Noninterest income to average assets | 0.5595% | 4,165 |
Noninterest expense to average assets | 2.8410% | 4,640 |
Loan and lease loss provision to assets | 0.1141% | 5,914 |
Net operating income to assets | 0.8559% | 3,201 |
Return on assets (ROA) | 0.8800% | 2,939 |
Pretax return on assets | 1.1896% | 2,679 |
Return on Equity (ROE) | 9.0828% | 2,611 |
Retained earnings to average equity (ytd only) | 3.1958% | 3,159 |
Net charge-offs to loans | 0.1740% | 4,461 |
Credit loss provision to net charge-offs | 100.0000% | 5,290 |
Earnings coverage of net charge-offs (x) | 11.1429% | 2,407 |
Efficiency ratio | 69.0885% | 4,510 |
Assets per employee ($millions) | 3.6032% | 4,405 |
Cash dividends to net income (ytd only)* | 64.8148% | 2,425 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6366% | 7,593 |
Loan loss allowance to noncurrent loans | 167.3913% | 2,250 |
Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,558 |
Noncurrent loans to loans | 0.3803% | 6,212 |
Net loans and leases to total assets | 66.7074% | 4,706 |
Net loans and leases to deposits | 76.0152% | 5,591 |
Net loans and leases to core deposits | 85.0471% | 6,206 |
Total domestic deposits to total assets | 87.7553% | 1,576 |
Equity capital to assets | 9.8413% | 4,236 |
Core capital (leverage) ratio | 9.7675% | 3,689 |
Tier 1 risk-based capital ratio | 14.1670% | 3,471 |
Total risk-based capital ratio | 14.7823% | 3,700 |
Memoranda: | ||
Average total assets | $18,408,800 | 8,066 |
Average earning assets | $16,796,600 | 8,043 |
Average equity | $1,783,600 | 8,163 |
Average total loans | $12,071,000 | 7,828 |