Home > Citizens State Bank of Glenville > Performance and Condition Ratios
Citizens State Bank of Glenville, Performance and Condition Ratios
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3356% | 4,949 |
Cost of funding earning assets | 0.2246% | 4,908 |
Net interest margin | 3.1110% | 4,345 |
Noninterest income to average assets | 0.2110% | 4,405 |
Noninterest expense to average assets | 1.7852% | 4,788 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.3486% | 1,509 |
Return on assets (ROA) | 1.3486% | 1,589 |
Pretax return on assets | 1.3486% | 2,332 |
Return on Equity (ROE) | 11.8575% | 1,569 |
Retained earnings to average equity (ytd only) | 0.0000% | 4,696 |
Net charge-offs to loans | -0.0141% | 4,556 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.9659% | 4,095 |
Assets per employee ($millions) | 4.1160% | 3,750 |
Cash dividends to net income (ytd only)* | 100.0000% | 293 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0710% | 3,097 |
Loan loss allowance to noncurrent loans | 99.3671% | 3,302 |
Noncurrent assets plus other real estate owned to assets | 0.3839% | 2,873 |
Noncurrent loans to loans | 1.0778% | 1,402 |
Net loans and leases to total assets | 35.2332% | 4,863 |
Net loans and leases to deposits | 39.6251% | 4,916 |
Net loans and leases to core deposits | 39.6251% | 4,953 |
Total domestic deposits to total assets | 88.9164% | 704 |
Equity capital to assets | 11.0471% | 2,948 |
Core capital (leverage) ratio | 10.9751% | 2,523 |
Tier 1 risk-based capital ratio | 27.4909% | 588 |
Total risk-based capital ratio | 28.4401% | 593 |
Memoranda: | ||
Average total assets | $41,228,800 | 4,873 |
Average earning assets | $38,733,600 | 4,859 |
Average equity | $4,689,000 | 4,920 |
Average total loans | $14,225,800 | 4,981 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3239% | 5,056 |
Cost of funding earning assets | 0.1994% | 5,040 |
Net interest margin | 3.1245% | 4,436 |
Noninterest income to average assets | 0.1940% | 4,560 |
Noninterest expense to average assets | 1.9298% | 4,671 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.2025% | 2,184 |
Return on assets (ROA) | 1.2025% | 2,267 |
Pretax return on assets | 1.2025% | 2,974 |
Return on Equity (ROE) | 10.4983% | 2,213 |
Retained earnings to average equity (ytd only) | 10.4983% | 627 |
Net charge-offs to loans | -0.0094% | 4,356 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6099% | 3,386 |
Assets per employee ($millions) | 4.1348% | 3,702 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0556% | 419 |
Loan loss allowance to noncurrent loans | 172.5610% | 2,349 |
Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,922 |
Noncurrent loans to loans | 1.1913% | 1,316 |
Net loans and leases to total assets | 32.6110% | 5,010 |
Net loans and leases to deposits | 37.2239% | 5,045 |
Net loans and leases to core deposits | 37.2239% | 5,067 |
Total domestic deposits to total assets | 87.6076% | 1,216 |
Equity capital to assets | 11.8966% | 2,329 |
Core capital (leverage) ratio | 11.7691% | 2,031 |
Tier 1 risk-based capital ratio | 30.5965% | 466 |
Total risk-based capital ratio | 31.8530% | 455 |
Memoranda: | ||
Average total assets | $41,246,000 | 4,946 |
Average earning assets | $38,789,250 | 4,929 |
Average equity | $4,724,500 | 4,984 |
Average total loans | $14,117,500 | 5,062 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2576% | 5,136 |
Cost of funding earning assets | 0.1910% | 5,090 |
Net interest margin | 3.0666% | 4,591 |
Noninterest income to average assets | 0.1747% | 4,700 |
Noninterest expense to average assets | 1.9072% | 4,736 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.1502% | 2,328 |
Return on assets (ROA) | 1.1502% | 2,404 |
Pretax return on assets | 1.1502% | 3,075 |
Return on Equity (ROE) | 10.1724% | 2,305 |
Retained earnings to average equity (ytd only) | 10.1724% | 707 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.3810% | 3,367 |
Assets per employee ($millions) | 4.1465% | 3,650 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0144% | 464 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 33.0809% | 5,048 |
Net loans and leases to deposits | 37.6025% | 5,084 |
Net loans and leases to core deposits | 37.6025% | 5,110 |
Total domestic deposits to total assets | 87.9754% | 1,113 |
Equity capital to assets | 11.5374% | 2,578 |
Core capital (leverage) ratio | 11.5053% | 2,160 |
Tier 1 risk-based capital ratio | 29.0538% | 519 |
Total risk-based capital ratio | 30.3109% | 511 |
Memoranda: | ||
Average total assets | $41,212,000 | 4,985 |
Average earning assets | $38,740,330 | 4,970 |
Average equity | $4,659,670 | 5,024 |
Average total loans | $14,234,330 | 5,105 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1443% | 5,226 |
Cost of funding earning assets | 0.1868% | 5,147 |
Net interest margin | 2.9575% | 4,810 |
Noninterest income to average assets | 0.1752% | 4,692 |
Noninterest expense to average assets | 1.9666% | 4,705 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.9833% | 2,909 |
Return on assets (ROA) | 0.9833% | 2,950 |
Pretax return on assets | 0.9833% | 3,499 |
Return on Equity (ROE) | 8.7874% | 2,905 |
Retained earnings to average equity (ytd only) | 8.7874% | 1,390 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6667% | 2,838 |
Assets per employee ($millions) | 4.1009% | 3,781 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0336% | 468 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 33.1269% | 5,092 |
Net loans and leases to deposits | 37.5567% | 5,121 |
Net loans and leases to core deposits | 37.5567% | 5,152 |
Total domestic deposits to total assets | 88.2050% | 1,235 |
Equity capital to assets | 11.3341% | 2,537 |
Core capital (leverage) ratio | 11.3785% | 2,229 |
Tier 1 risk-based capital ratio | 28.4438% | 536 |
Total risk-based capital ratio | 29.6983% | 530 |
Memoranda: | ||
Average total assets | $41,085,500 | 5,042 |
Average earning assets | $38,546,500 | 5,024 |
Average equity | $4,597,500 | 5,074 |
Average total loans | $14,352,000 | 5,160 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8729% | 5,273 |
Cost of funding earning assets | 0.2054% | 4,979 |
Net interest margin | 2.6675% | 5,118 |
Noninterest income to average assets | 0.2271% | 4,552 |
Noninterest expense to average assets | 2.0562% | 4,638 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.6764% | 4,214 |
Return on assets (ROA) | 0.6764% | 4,221 |
Pretax return on assets | 0.6764% | 4,473 |
Return on Equity (ROE) | 5.9835% | 4,182 |
Retained earnings to average equity (ytd only) | -4.2986% | 5,225 |
Net charge-offs to loans | 0.0556% | 2,346 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | 34.6250% | 1,459 |
Efficiency ratio | 75.2458% | 1,460 |
Assets per employee ($millions) | 4.1162% | 3,725 |
Cash dividends to net income (ytd only)* | 171.8412% | 72 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9007% | 574 |
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 | 35.3603% | 5,085 |
Net loans and leases to deposits | 39.9555% | 5,125 |
Net loans and leases to core deposits | 39.9555% | 5,161 |
Total domestic deposits to total assets | 88.4991% | 1,071 |
Equity capital to assets | 11.0466% | 2,641 |
Core capital (leverage) ratio | 11.0140% | 2,513 |
Tier 1 risk-based capital ratio | 25.5120% | 706 |
Total risk-based capital ratio | 26.7688% | 689 |
Memoranda: | ||
Average total assets | $40,949,200 | 5,081 |
Average earning assets | $38,463,000 | 5,065 |
Average equity | $4,629,400 | 5,098 |
Average total loans | $14,392,400 | 5,207 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7385% | 5,366 |
Cost of funding earning assets | 0.1902% | 5,053 |
Net interest margin | 2.5483% | 5,255 |
Noninterest income to average assets | 0.2054% | 4,738 |
Noninterest expense to average assets | 2.0311% | 4,683 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.5770% | 4,566 |
Return on assets (ROA) | 0.5770% | 4,572 |
Pretax return on assets | 0.5770% | 4,770 |
Return on Equity (ROE) | 5.0751% | 4,533 |
Retained earnings to average equity (ytd only) | -8.5733% | 5,372 |
Net charge-offs to loans | 0.0933% | 1,567 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | 17.7037% | 2,099 |
Efficiency ratio | 77.8750% | 1,132 |
Assets per employee ($millions) | 4.0241% | 3,846 |
Cash dividends to net income (ytd only)* | 268.9309% | 28 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8752% | 630 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 36.4106% | 5,128 |
Net loans and leases to deposits | 41.2048% | 5,180 |
Net loans and leases to core deposits | 41.2048% | 5,216 |
Total domestic deposits to total assets | 88.3651% | 1,095 |
Equity capital to assets | 11.0509% | 2,617 |
Core capital (leverage) ratio | 11.0397% | 2,543 |
Tier 1 risk-based capital ratio | 25.1002% | 743 |
Total risk-based capital ratio | 26.3532% | 728 |
Memoranda: | ||
Average total assets | $40,896,000 | 5,149 |
Average earning assets | $38,560,500 | 5,126 |
Average equity | $4,650,000 | 5,159 |
Average total loans | $14,281,250 | 5,276 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6249% | 5,452 |
Cost of funding earning assets | 0.1809% | 5,106 |
Net interest margin | 2.4441% | 5,368 |
Noninterest income to average assets | 0.1849% | 4,904 |
Noninterest expense to average assets | 2.0334% | 4,740 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.4524% | 4,855 |
Return on assets (ROA) | 0.4524% | 4,860 |
Pretax return on assets | 0.4524% | 4,986 |
Return on Equity (ROE) | 3.9426% | 4,841 |
Retained earnings to average equity (ytd only) | -4.5785% | 5,269 |
Net charge-offs to loans | 0.0853% | 1,483 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 15.5000% | 2,040 |
Efficiency ratio | 81.8004% | 850 |
Assets per employee ($millions) | 3.9908% | 3,914 |
Cash dividends to net income (ytd only)* | 216.1290% | 51 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0211% | 503 |
Loan loss allowance to noncurrent loans | 5,680.0000% | 140 |
Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,975 |
Noncurrent loans to loans | 0.0356% | 4,752 |
Net loans and leases to total assets | 34.4993% | 5,225 |
Net loans and leases to deposits | 39.2855% | 5,262 |
Net loans and leases to core deposits | 39.2855% | 5,298 |
Total domestic deposits to total assets | 87.8170% | 1,465 |
Equity capital to assets | 11.6217% | 2,111 |
Core capital (leverage) ratio | 11.5747% | 2,006 |
Tier 1 risk-based capital ratio | 27.6747% | 575 |
Total risk-based capital ratio | 28.9277% | 569 |
Memoranda: | ||
Average total assets | $41,114,330 | 5,204 |
Average earning assets | $38,705,670 | 5,182 |
Average equity | $4,717,670 | 5,211 |
Average total loans | $14,064,330 | 5,340 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3319% | 5,550 |
Cost of funding earning assets | 0.1629% | 5,201 |
Net interest margin | 2.1689% | 5,510 |
Noninterest income to average assets | 0.1630% | 5,043 |
Noninterest expense to average assets | 1.9848% | 4,879 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.2205% | 5,218 |
Return on assets (ROA) | 0.2205% | 5,219 |
Pretax return on assets | 0.2205% | 5,245 |
Return on Equity (ROE) | 1.9338% | 5,191 |
Retained earnings to average equity (ytd only) | 1.9338% | 4,371 |
Net charge-offs to loans | 0.0284% | 1,926 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | 23.0000% | 1,389 |
Efficiency ratio | 90.0000% | 446 |
Assets per employee ($millions) | 4.0986% | 3,806 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0909% | 465 |
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 | 33.0186% | 5,292 |
Net loans and leases to deposits | 37.5906% | 5,326 |
Net loans and leases to core deposits | 37.5906% | 5,359 |
Total domestic deposits to total assets | 87.8373% | 1,707 |
Equity capital to assets | 11.6357% | 2,037 |
Core capital (leverage) ratio | 11.3369% | 2,134 |
Tier 1 risk-based capital ratio | 28.5347% | 535 |
Total risk-based capital ratio | 29.7912% | 529 |
Memoranda: | ||
Average total assets | $41,717,500 | 5,254 |
Average earning assets | $39,282,000 | 5,232 |
Average equity | $4,757,500 | 5,257 |
Average total loans | $14,070,500 | 5,398 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9043% | 5,414 |
Cost of funding earning assets | 0.1731% | 5,136 |
Net interest margin | 2.7312% | 5,248 |
Noninterest income to average assets | 0.2155% | 4,862 |
Noninterest expense to average assets | 2.0511% | 4,877 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.7241% | 3,499 |
Return on assets (ROA) | 0.7241% | 3,540 |
Pretax return on assets | 0.7241% | 4,451 |
Return on Equity (ROE) | 6.2144% | 3,670 |
Retained earnings to average equity (ytd only) | 0.4988% | 4,835 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9092% | 1,906 |
Assets per employee ($millions) | 4.2449% | 3,585 |
Cash dividends to net income (ytd only)* | 91.9732% | 501 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0253% | 512 |
Loan loss allowance to noncurrent loans | 7,250.0000% | 135 |
Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,126 |
Noncurrent loans to loans | 0.0279% | 4,886 |
Net loans and leases to total assets | 33.0491% | 5,368 |
Net loans and leases to deposits | 37.4137% | 5,403 |
Net loans and leases to core deposits | 37.4137% | 5,429 |
Total domestic deposits to total assets | 88.3342% | 1,335 |
Equity capital to assets | 11.1805% | 2,448 |
Core capital (leverage) ratio | 11.3982% | 2,013 |
Tier 1 risk-based capital ratio | 27.1852% | 588 |
Total risk-based capital ratio | 28.4397% | 577 |
Memoranda: | ||
Average total assets | $41,294,000 | 5,312 |
Average earning assets | $38,701,400 | 5,294 |
Average equity | $4,811,400 | 5,302 |
Average total loans | $14,427,800 | 5,453 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8920% | 5,486 |
Cost of funding earning assets | 0.1662% | 5,218 |
Net interest margin | 2.7257% | 5,300 |
Noninterest income to average assets | 0.1886% | 5,070 |
Noninterest expense to average assets | 2.0875% | 4,760 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.6601% | 4,157 |
Return on assets (ROA) | 0.6601% | 4,211 |
Pretax return on assets | 0.6601% | 4,705 |
Return on Equity (ROE) | 5.6063% | 4,283 |
Retained earnings to average equity (ytd only) | 5.6063% | 2,478 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.9763% | 1,594 |
Assets per employee ($millions) | 4.0104% | 3,974 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0318% | 545 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 34.8668% | 5,391 |
Net loans and leases to deposits | 40.0303% | 5,421 |
Net loans and leases to core deposits | 40.0303% | 5,459 |
Total domestic deposits to total assets | 87.1010% | 1,826 |
Equity capital to assets | 12.2806% | 1,787 |
Core capital (leverage) ratio | 12.1921% | 1,575 |
Tier 1 risk-based capital ratio | 29.0115% | 517 |
Total risk-based capital ratio | 30.2663% | 507 |
Memoranda: | ||
Average total assets | $41,005,250 | 5,375 |
Average earning assets | $38,496,500 | 5,357 |
Average equity | $4,827,750 | 5,360 |
Average total loans | $14,455,000 | 5,511 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8483% | 5,535 |
Cost of funding earning assets | 0.1651% | 5,243 |
Net interest margin | 2.6832% | 5,374 |
Noninterest income to average assets | 0.1743% | 5,181 |
Noninterest expense to average assets | 1.9900% | 4,994 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.7021% | 3,841 |
Return on assets (ROA) | 0.7021% | 3,904 |
Pretax return on assets | 0.7021% | 4,541 |
Return on Equity (ROE) | 6.0476% | 4,024 |
Retained earnings to average equity (ytd only) | 6.0476% | 2,084 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9209% | 2,031 |
Assets per employee ($millions) | 4.5298% | 3,055 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9786% | 628 |
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 | 35.2409% | 5,408 |
Net loans and leases to deposits | 42.0580% | 5,399 |
Net loans and leases to core deposits | 42.0580% | 5,443 |
Total domestic deposits to total assets | 83.7912% | 3,286 |
Equity capital to assets | 11.9383% | 1,971 |
Core capital (leverage) ratio | 11.8321% | 1,744 |
Tier 1 risk-based capital ratio | 28.2604% | 537 |
Total risk-based capital ratio | 29.5146% | 527 |
Memoranda: | ||
Average total assets | $41,305,670 | 5,420 |
Average earning assets | $38,759,330 | 5,397 |
Average equity | $4,795,330 | 5,405 |
Average total loans | $14,515,670 | 5,557 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8749% | 5,559 |
Cost of funding earning assets | 0.1643% | 5,274 |
Net interest margin | 2.7106% | 5,381 |
Noninterest income to average assets | 0.1443% | 5,393 |
Noninterest expense to average assets | 1.9627% | 5,123 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.7216% | 3,609 |
Return on assets (ROA) | 0.7216% | 3,656 |
Pretax return on assets | 0.7216% | 4,379 |
Return on Equity (ROE) | 6.3032% | 3,765 |
Retained earnings to average equity (ytd only) | 6.3032% | 2,187 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1183% | 2,387 |
Assets per employee ($millions) | 4.6219% | 2,970 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0794% | 577 |
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 | 32.8293% | 5,511 |
Net loans and leases to deposits | 37.3400% | 5,541 |
Net loans and leases to core deposits | 37.3400% | 5,589 |
Total domestic deposits to total assets | 87.9198% | 1,762 |
Equity capital to assets | 11.5321% | 2,159 |
Core capital (leverage) ratio | 11.2972% | 2,105 |
Tier 1 risk-based capital ratio | 29.6954% | 490 |
Total risk-based capital ratio | 30.9521% | 488 |
Memoranda: | ||
Average total assets | $41,574,500 | 5,476 |
Average earning assets | $38,958,000 | 5,449 |
Average equity | $4,759,500 | 5,466 |
Average total loans | $14,445,000 | 5,622 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8709% | 5,602 |
Cost of funding earning assets | 0.1889% | 5,118 |
Net interest margin | 2.6820% | 5,440 |
Noninterest income to average assets | 0.2544% | 4,897 |
Noninterest expense to average assets | 2.0830% | 5,028 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6860% | 3,841 |
Return on assets (ROA) | 0.6860% | 3,955 |
Pretax return on assets | 0.6860% | 4,539 |
Return on Equity (ROE) | 6.0015% | 3,980 |
Retained earnings to average equity (ytd only) | 6.0015% | 1,702 |
Net charge-offs to loans | 0.1333% | 1,914 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 14.4737% | 2,284 |
Efficiency ratio | 75.2252% | 2,106 |
Assets per employee ($millions) | 4.6169% | 2,934 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9406% | 744 |
Loan loss allowance to noncurrent loans | 341.1765% | 1,467 |
Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,504 |
Noncurrent loans to loans | 0.5688% | 3,135 |
Net loans and leases to total assets | 35.2667% | 5,511 |
Net loans and leases to deposits | 40.0328% | 5,552 |
Net loans and leases to core deposits | 40.0328% | 5,596 |
Total domestic deposits to total assets | 88.0944% | 1,588 |
Equity capital to assets | 11.3641% | 2,274 |
Core capital (leverage) ratio | 11.2330% | 2,133 |
Tier 1 risk-based capital ratio | 28.0404% | 561 |
Total risk-based capital ratio | 29.2933% | 555 |
Memoranda: | ||
Average total assets | $40,086,600 | 5,544 |
Average earning assets | $37,583,600 | 5,517 |
Average equity | $4,582,200 | 5,543 |
Average total loans | $14,250,400 | 5,678 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9511% | 5,606 |
Cost of funding earning assets | 0.1784% | 5,276 |
Net interest margin | 2.7726% | 5,403 |
Noninterest income to average assets | 0.2249% | 5,124 |
Noninterest expense to average assets | 2.1114% | 4,988 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.7217% | 3,737 |
Return on assets (ROA) | 0.7217% | 3,867 |
Pretax return on assets | 0.7217% | 4,550 |
Return on Equity (ROE) | 6.3040% | 3,925 |
Retained earnings to average equity (ytd only) | 6.3040% | 2,006 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5261% | 2,186 |
Assets per employee ($millions) | 4.4732% | 3,124 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0890% | 615 |
Loan loss allowance to noncurrent loans | 222.3022% | 2,066 |
Noncurrent assets plus other real estate owned to assets | 0.3453% | 4,026 |
Noncurrent loans to loans | 0.9397% | 2,362 |
Net loans and leases to total assets | 35.9746% | 5,552 |
Net loans and leases to deposits | 41.0028% | 5,609 |
Net loans and leases to core deposits | 41.0028% | 5,660 |
Total domestic deposits to total assets | 87.7369% | 1,534 |
Equity capital to assets | 11.5825% | 2,451 |
Core capital (leverage) ratio | 11.5578% | 1,983 |
Tier 1 risk-based capital ratio | 28.4520% | 554 |
Total risk-based capital ratio | 29.7090% | 542 |
Memoranda: | ||
Average total assets | $39,720,250 | 5,601 |
Average earning assets | $37,364,250 | 5,578 |
Average equity | $4,547,250 | 5,604 |
Average total loans | $14,077,000 | 5,742 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8362% | 5,784 |
Cost of funding earning assets | 0.1779% | 5,343 |
Net interest margin | 2.6583% | 5,610 |
Noninterest income to average assets | 0.2327% | 5,091 |
Noninterest expense to average assets | 2.1193% | 5,015 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.6070% | 4,240 |
Return on assets (ROA) | 0.6070% | 4,366 |
Pretax return on assets | 0.6070% | 4,865 |
Return on Equity (ROE) | 5.3231% | 4,367 |
Retained earnings to average equity (ytd only) | 5.3231% | 2,531 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7365% | 1,830 |
Assets per employee ($millions) | 4.3898% | 3,233 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1205% | 606 |
Loan loss allowance to noncurrent loans | 251.2195% | 1,888 |
Noncurrent assets plus other real estate owned to assets | 0.3113% | 4,260 |
Noncurrent loans to loans | 0.8441% | 2,634 |
Net loans and leases to total assets | 36.1015% | 5,602 |
Net loans and leases to deposits | 41.1251% | 5,648 |
Net loans and leases to core deposits | 41.1251% | 5,705 |
Total domestic deposits to total assets | 87.7848% | 1,540 |
Equity capital to assets | 11.5597% | 2,484 |
Core capital (leverage) ratio | 11.4697% | 2,017 |
Tier 1 risk-based capital ratio | 28.5366% | 563 |
Total risk-based capital ratio | 29.7926% | 552 |
Memoranda: | ||
Average total assets | $39,540,670 | 5,669 |
Average earning assets | $37,091,330 | 5,646 |
Average equity | $4,508,670 | 5,674 |
Average total loans | $13,838,670 | 5,824 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8093% | 5,853 |
Cost of funding earning assets | 0.1844% | 5,333 |
Net interest margin | 2.6249% | 5,700 |
Noninterest income to average assets | 0.2326% | 5,077 |
Noninterest expense to average assets | 2.0224% | 5,286 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.6573% | 3,943 |
Return on assets (ROA) | 0.6573% | 4,065 |
Pretax return on assets | 0.6573% | 4,657 |
Return on Equity (ROE) | 5.8042% | 4,076 |
Retained earnings to average equity (ytd only) | 5.8042% | 2,465 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4717% | 2,259 |
Assets per employee ($millions) | 4.3221% | 3,376 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3568% | 471 |
Loan loss allowance to noncurrent loans | 253.2787% | 1,850 |
Noncurrent assets plus other real estate owned to assets | 0.3136% | 4,317 |
Noncurrent loans to loans | 0.9305% | 2,522 |
Net loans and leases to total assets | 32.9109% | 5,756 |
Net loans and leases to deposits | 37.4963% | 5,795 |
Net loans and leases to core deposits | 37.4963% | 5,830 |
Total domestic deposits to total assets | 87.7709% | 1,766 |
Equity capital to assets | 11.5993% | 2,351 |
Core capital (leverage) ratio | 11.3117% | 2,132 |
Tier 1 risk-based capital ratio | 30.8365% | 471 |
Total risk-based capital ratio | 32.0940% | 464 |
Memoranda: | ||
Average total assets | $39,557,000 | 5,725 |
Average earning assets | $36,877,500 | 5,706 |
Average equity | $4,479,500 | 5,725 |
Average total loans | $13,472,000 | 5,888 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9307% | 5,795 |
Cost of funding earning assets | 0.1976% | 5,306 |
Net interest margin | 2.7331% | 5,613 |
Noninterest income to average assets | 0.2295% | 5,219 |
Noninterest expense to average assets | 2.1505% | 5,149 |
Loan and lease loss provision to assets | 0.1289% | 1,869 |
Net operating income to assets | 0.5183% | 4,625 |
Return on assets (ROA) | 0.5183% | 4,706 |
Pretax return on assets | 0.5183% | 5,066 |
Return on Equity (ROE) | 4.6154% | 4,693 |
Retained earnings to average equity (ytd only) | 4.6154% | 2,698 |
Net charge-offs to loans | 0.0570% | 3,081 |
Credit loss provision to net charge-offs | 625.0000% | 542 |
Earnings coverage of net charge-offs (x) | 31.3750% | 1,406 |
Efficiency ratio | 76.8664% | 2,137 |
Assets per employee ($millions) | 4.4683% | 3,095 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2338% | 564 |
Loan loss allowance to noncurrent loans | 280.9091% | 1,751 |
Noncurrent assets plus other real estate owned to assets | 0.2735% | 4,494 |
Noncurrent loans to loans | 0.7952% | 2,806 |
Net loans and leases to total assets | 33.6292% | 5,788 |
Net loans and leases to deposits | 38.0604% | 5,838 |
Net loans and leases to core deposits | 38.0604% | 5,878 |
Total domestic deposits to total assets | 88.3576% | 1,442 |
Equity capital to assets | 11.0581% | 2,766 |
Core capital (leverage) ratio | 11.1582% | 2,256 |
Tier 1 risk-based capital ratio | 29.5070% | 530 |
Total risk-based capital ratio | 30.7677% | 519 |
Memoranda: | ||
Average total assets | $38,782,200 | 5,791 |
Average earning assets | $36,441,600 | 5,758 |
Average equity | $4,355,000 | 5,791 |
Average total loans | $14,030,000 | 5,922 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9485% | 5,851 |
Cost of funding earning assets | 0.2022% | 5,354 |
Net interest margin | 2.7463% | 5,667 |
Noninterest income to average assets | 0.2082% | 5,401 |
Noninterest expense to average assets | 2.1340% | 5,206 |
Loan and lease loss provision to assets | 0.0694% | 2,785 |
Net operating income to assets | 0.5968% | 4,400 |
Return on assets (ROA) | 0.5968% | 4,500 |
Pretax return on assets | 0.5968% | 4,979 |
Return on Equity (ROE) | 5.2939% | 4,494 |
Retained earnings to average equity (ytd only) | 5.2939% | 2,726 |
Net charge-offs to loans | -0.0094% | 4,971 |
Credit loss provision to net charge-offs | -2,000.0000% | 5,599 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2082% | 2,212 |
Assets per employee ($millions) | 4.1910% | 3,531 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9699% | 960 |
Loan loss allowance to noncurrent loans | 282.3529% | 1,695 |
Noncurrent assets plus other real estate owned to assets | 0.2704% | 4,684 |
Noncurrent loans to loans | 0.6977% | 3,235 |
Net loans and leases to total assets | 37.9968% | 5,704 |
Net loans and leases to deposits | 43.1102% | 5,756 |
Net loans and leases to core deposits | 43.1102% | 5,821 |
Total domestic deposits to total assets | 88.1386% | 1,485 |
Equity capital to assets | 11.7129% | 2,337 |
Core capital (leverage) ratio | 11.6239% | 1,942 |
Tier 1 risk-based capital ratio | 29.3204% | 557 |
Total risk-based capital ratio | 30.5814% | 548 |
Memoranda: | ||
Average total assets | $38,424,000 | 5,877 |
Average earning assets | $36,266,250 | 5,841 |
Average equity | $4,332,000 | 5,875 |
Average total loans | $14,079,250 | 5,999 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8880% | 5,955 |
Cost of funding earning assets | 0.2028% | 5,412 |
Net interest margin | 2.6853% | 5,782 |
Noninterest income to average assets | 0.2173% | 5,396 |
Noninterest expense to average assets | 2.0797% | 5,380 |
Loan and lease loss provision to assets | 0.0259% | 3,616 |
Net operating income to assets | 0.6467% | 4,133 |
Return on assets (ROA) | 0.6467% | 4,243 |
Pretax return on assets | 0.6467% | 4,832 |
Return on Equity (ROE) | 5.8095% | 4,227 |
Retained earnings to average equity (ytd only) | 5.8095% | 2,352 |
Net charge-offs to loans | -0.0144% | 5,046 |
Credit loss provision to net charge-offs | -500.0000% | 5,206 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5639% | 2,442 |
Assets per employee ($millions) | 4.1846% | 3,498 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9227% | 1,120 |
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 | 36.9772% | 5,779 |
Net loans and leases to deposits | 41.8953% | 5,845 |
Net loans and leases to core deposits | 41.8953% | 5,902 |
Total domestic deposits to total assets | 88.2611% | 1,510 |
Equity capital to assets | 11.6088% | 2,322 |
Core capital (leverage) ratio | 11.3961% | 2,076 |
Tier 1 risk-based capital ratio | 30.8932% | 494 |
Total risk-based capital ratio | 32.1509% | 490 |
Memoranda: | ||
Average total assets | $38,659,000 | 5,930 |
Average earning assets | $36,495,330 | 5,897 |
Average equity | $4,303,330 | 5,942 |
Average total loans | $13,899,000 | 6,065 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8468% | 6,035 |
Cost of funding earning assets | 0.1956% | 5,552 |
Net interest margin | 2.6512% | 5,868 |
Noninterest income to average assets | 0.1941% | 5,548 |
Noninterest expense to average assets | 2.1656% | 5,239 |
Loan and lease loss provision to assets | 0.0511% | 2,915 |
Net operating income to assets | 0.4699% | 4,798 |
Return on assets (ROA) | 0.4699% | 4,919 |
Pretax return on assets | 0.4699% | 5,259 |
Return on Equity (ROE) | 4.3101% | 4,841 |
Retained earnings to average equity (ytd only) | 4.3101% | 3,425 |
Net charge-offs to loans | -0.0291% | 5,231 |
Credit loss provision to net charge-offs | -500.0000% | 4,817 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.6084% | 1,811 |
Assets per employee ($millions) | 4.2837% | 3,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0880% | 940 |
Loan loss allowance to noncurrent loans | 1,186.9565% | 464 |
Noncurrent assets plus other real estate owned to assets | 0.0597% | 5,697 |
Noncurrent loans to loans | 0.1759% | 5,147 |
Net loans and leases to total assets | 33.2062% | 5,953 |
Net loans and leases to deposits | 37.4120% | 6,006 |
Net loans and leases to core deposits | 37.4120% | 6,062 |
Total domestic deposits to total assets | 88.7583% | 1,413 |
Equity capital to assets | 11.1327% | 2,825 |
Core capital (leverage) ratio | 10.8873% | 2,531 |
Tier 1 risk-based capital ratio | 32.2319% | 451 |
Total risk-based capital ratio | 33.4860% | 444 |
Memoranda: | ||
Average total assets | $39,158,000 | 5,979 |
Average earning assets | $36,813,000 | 5,944 |
Average equity | $4,269,000 | 6,000 |
Average total loans | $13,749,000 | 6,128 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8581% | 6,164 |
Cost of funding earning assets | 0.2226% | 5,573 |
Net interest margin | 2.6355% | 6,027 |
Noninterest income to average assets | 0.3453% | 4,634 |
Noninterest expense to average assets | 2.0940% | 5,586 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.7621% | 3,555 |
Return on assets (ROA) | 0.7621% | 3,659 |
Pretax return on assets | 0.7621% | 4,393 |
Return on Equity (ROE) | 7.5843% | 3,333 |
Retained earnings to average equity (ytd only) | 7.5843% | 1,166 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.3161% | 2,964 |
Assets per employee ($millions) | 3.6148% | 4,695 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8512% | 1,420 |
Loan loss allowance to noncurrent loans | 3,337.5000% | 224 |
Noncurrent assets plus other real estate owned to assets | 0.0201% | 5,962 |
Noncurrent loans to loans | 0.0555% | 5,658 |
Net loans and leases to total assets | 35.6009% | 5,972 |
Net loans and leases to deposits | 39.8918% | 6,042 |
Net loans and leases to core deposits | 39.8918% | 6,097 |
Total domestic deposits to total assets | 89.2438% | 1,096 |
Equity capital to assets | 10.6783% | 3,265 |
Core capital (leverage) ratio | 10.8397% | 2,568 |
Tier 1 risk-based capital ratio | 28.8844% | 574 |
Total risk-based capital ratio | 30.1429% | 557 |
Memoranda: | ||
Average total assets | $40,544,000 | 6,026 |
Average earning assets | $38,627,000 | 5,965 |
Average equity | $4,074,200 | 6,077 |
Average total loans | $13,462,600 | 6,213 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8293% | 6,262 |
Cost of funding earning assets | 0.2287% | 5,600 |
Net interest margin | 2.6006% | 6,135 |
Noninterest income to average assets | 0.2585% | 5,373 |
Noninterest expense to average assets | 2.0946% | 5,581 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.6578% | 4,176 |
Return on assets (ROA) | 0.6578% | 4,278 |
Pretax return on assets | 0.6578% | 4,849 |
Return on Equity (ROE) | 6.6478% | 3,880 |
Retained earnings to average equity (ytd only) | 6.6478% | 2,014 |
Net charge-offs to loans | 0.0101% | 4,386 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 201.4962% | 318 |
Efficiency ratio | 76.0999% | 2,475 |
Assets per employee ($millions) | 3.4673% | 4,923 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9630% | 1,325 |
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 | 34.8322% | 6,079 |
Net loans and leases to deposits | 39.7231% | 6,123 |
Net loans and leases to core deposits | 39.7231% | 6,186 |
Total domestic deposits to total assets | 87.6875% | 1,929 |
Equity capital to assets | 10.8495% | 3,127 |
Core capital (leverage) ratio | 10.4648% | 3,085 |
Tier 1 risk-based capital ratio | 30.0508% | 522 |
Total risk-based capital ratio | 31.3072% | 517 |
Memoranda: | ||
Average total assets | $40,739,250 | 6,088 |
Average earning assets | $39,066,750 | 6,018 |
Average equity | $4,031,250 | 6,152 |
Average total loans | $13,222,500 | 6,292 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7709% | 6,357 |
Cost of funding earning assets | 0.2259% | 5,697 |
Net interest margin | 2.5450% | 6,227 |
Noninterest income to average assets | 0.2211% | 5,624 |
Noninterest expense to average assets | 2.1007% | 5,623 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.5576% | 4,559 |
Return on assets (ROA) | 0.5576% | 4,663 |
Pretax return on assets | 0.5576% | 5,103 |
Return on Equity (ROE) | 5.8063% | 4,269 |
Retained earnings to average equity (ytd only) | 5.8063% | 2,443 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0235% | 2,166 |
Assets per employee ($millions) | 3.6448% | 4,557 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9468% | 1,468 |
Loan loss allowance to noncurrent loans | 30.4795% | 5,770 |
Noncurrent assets plus other real estate owned to assets | 2.1849% | 1,399 |
Noncurrent loans to loans | 6.3872% | 224 |
Net loans and leases to total assets | 33.5420% | 6,176 |
Net loans and leases to deposits | 38.1082% | 6,223 |
Net loans and leases to core deposits | 38.1082% | 6,272 |
Total domestic deposits to total assets | 88.0179% | 1,887 |
Equity capital to assets | 10.1090% | 3,957 |
Core capital (leverage) ratio | 9.7456% | 3,972 |
Tier 1 risk-based capital ratio | 28.6654% | 605 |
Total risk-based capital ratio | 29.9243% | 590 |
Memoranda: | ||
Average total assets | $41,605,670 | 6,119 |
Average earning assets | $39,843,000 | 6,049 |
Average equity | $3,995,670 | 6,205 |
Average total loans | $13,113,000 | 6,351 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6741% | 6,481 |
Cost of funding earning assets | 0.2261% | 5,786 |
Net interest margin | 2.4480% | 6,379 |
Noninterest income to average assets | 0.1983% | 5,774 |
Noninterest expense to average assets | 1.9829% | 5,916 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.5665% | 4,370 |
Return on assets (ROA) | 0.5665% | 4,449 |
Pretax return on assets | 0.5665% | 4,951 |
Return on Equity (ROE) | 6.0499% | 3,999 |
Retained earnings to average equity (ytd only) | 6.0499% | 2,513 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7778% | 2,504 |
Assets per employee ($millions) | 3.7594% | 4,400 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1184% | 1,290 |
Loan loss allowance to noncurrent loans | 244.9541% | 1,766 |
Noncurrent assets plus other real estate owned to assets | 0.2636% | 5,392 |
Noncurrent loans to loans | 0.8648% | 3,733 |
Net loans and leases to total assets | 29.8334% | 6,362 |
Net loans and leases to deposits | 33.0662% | 6,399 |
Net loans and leases to core deposits | 33.0662% | 6,432 |
Total domestic deposits to total assets | 90.2232% | 950 |
Equity capital to assets | 9.6656% | 4,278 |
Core capital (leverage) ratio | 9.3118% | 4,560 |
Tier 1 risk-based capital ratio | 30.1934% | 520 |
Total risk-based capital ratio | 31.4549% | 513 |
Memoranda: | ||
Average total assets | $42,362,000 | 6,161 |
Average earning assets | $40,686,000 | 6,088 |
Average equity | $3,967,000 | 6,255 |
Average total loans | $12,812,000 | 6,427 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7316% | 6,528 |
Cost of funding earning assets | 0.2813% | 5,754 |
Net interest margin | 2.4502% | 6,411 |
Noninterest income to average assets | 0.2630% | 5,463 |
Noninterest expense to average assets | 1.9258% | 6,149 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.6679% | 3,947 |
Return on assets (ROA) | 0.6679% | 4,046 |
Pretax return on assets | 0.6679% | 4,644 |
Return on Equity (ROE) | 7.7167% | 3,189 |
Retained earnings to average equity (ytd only) | 7.7167% | 1,146 |
Net charge-offs to loans | 0.0237% | 4,950 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 97.3333% | 470 |
Efficiency ratio | 74.2504% | 3,095 |
Assets per employee ($millions) | 3.9428% | 3,978 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0507% | 1,440 |
Loan loss allowance to noncurrent loans | 494.4444% | 987 |
Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,949 |
Noncurrent loans to loans | 0.4147% | 4,967 |
Net loans and leases to total assets | 29.4044% | 6,482 |
Net loans and leases to deposits | 32.3779% | 6,524 |
Net loans and leases to core deposits | 32.3779% | 6,554 |
Total domestic deposits to total assets | 90.8164% | 653 |
Equity capital to assets | 9.0775% | 4,943 |
Core capital (leverage) ratio | 8.8524% | 5,210 |
Tier 1 risk-based capital ratio | 28.8003% | 566 |
Total risk-based capital ratio | 30.0585% | 558 |
Memoranda: | ||
Average total assets | $43,721,600 | 6,182 |
Average earning assets | $41,587,600 | 6,123 |
Average equity | $3,784,000 | 6,376 |
Average total loans | $12,638,200 | 6,497 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7163% | 6,618 |
Cost of funding earning assets | 0.2922% | 5,795 |
Net interest margin | 2.4241% | 6,495 |
Noninterest income to average assets | 0.2435% | 5,694 |
Noninterest expense to average assets | 1.8687% | 6,226 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.6726% | 4,001 |
Return on assets (ROA) | 0.6726% | 4,144 |
Pretax return on assets | 0.6726% | 4,781 |
Return on Equity (ROE) | 7.8665% | 3,189 |
Retained earnings to average equity (ytd only) | 7.8665% | 1,472 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.5329% | 3,139 |
Assets per employee ($millions) | 3.9846% | 3,866 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1427% | 1,426 |
Loan loss allowance to noncurrent loans | 402.9851% | 1,069 |
Noncurrent assets plus other real estate owned to assets | 0.1529% | 5,986 |
Noncurrent loans to loans | 0.5317% | 4,864 |
Net loans and leases to total assets | 28.1331% | 6,594 |
Net loans and leases to deposits | 30.9148% | 6,645 |
Net loans and leases to core deposits | 30.9148% | 6,667 |
Total domestic deposits to total assets | 91.0018% | 534 |
Equity capital to assets | 8.8202% | 5,397 |
Core capital (leverage) ratio | 8.6552% | 5,594 |
Tier 1 risk-based capital ratio | 28.9047% | 572 |
Total risk-based capital ratio | 30.1607% | 560 |
Memoranda: | ||
Average total assets | $43,809,250 | 6,249 |
Average earning assets | $41,526,500 | 6,196 |
Average equity | $3,745,750 | 6,456 |
Average total loans | $12,542,750 | 6,564 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6530% | 6,681 |
Cost of funding earning assets | 0.3184% | 5,679 |
Net interest margin | 2.3347% | 6,597 |
Noninterest income to average assets | 0.2466% | 5,683 |
Noninterest expense to average assets | 1.8264% | 6,329 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.6301% | 4,157 |
Return on assets (ROA) | 0.6301% | 4,311 |
Pretax return on assets | 0.6301% | 4,909 |
Return on Equity (ROE) | 7.4480% | 3,366 |
Retained earnings to average equity (ytd only) | 7.4480% | 1,691 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.3494% | 3,062 |
Assets per employee ($millions) | 3.9066% | 4,004 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1590% | 1,513 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 28.4737% | 6,622 |
Net loans and leases to deposits | 31.2725% | 6,673 |
Net loans and leases to core deposits | 31.2725% | 6,698 |
Total domestic deposits to total assets | 91.0502% | 528 |
Equity capital to assets | 8.8032% | 5,444 |
Core capital (leverage) ratio | 8.6232% | 5,528 |
Tier 1 risk-based capital ratio | 28.1725% | 617 |
Total risk-based capital ratio | 29.4310% | 610 |
Memoranda: | ||
Average total assets | $43,802,000 | 6,292 |
Average earning assets | $41,462,000 | 6,242 |
Average equity | $3,705,670 | 6,517 |
Average total loans | $12,523,330 | 6,612 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6621% | 6,751 |
Cost of funding earning assets | 0.3256% | 5,758 |
Net interest margin | 2.3365% | 6,661 |
Noninterest income to average assets | 0.2171% | 5,919 |
Noninterest expense to average assets | 2.0264% | 6,048 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3980% | 5,138 |
Return on assets (ROA) | 0.3980% | 5,284 |
Pretax return on assets | 0.3980% | 5,565 |
Return on Equity (ROE) | 4.7996% | 4,689 |
Retained earnings to average equity (ytd only) | 4.7996% | 3,359 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.5821% | 1,823 |
Assets per employee ($millions) | 3.7318% | 4,484 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1889% | 1,606 |
Loan loss allowance to noncurrent loans | 27,000.0000% | 33 |
Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,650 |
Noncurrent loans to loans | 0.0081% | 6,483 |
Net loans and leases to total assets | 26.9416% | 6,698 |
Net loans and leases to deposits | 29.4024% | 6,758 |
Net loans and leases to core deposits | 29.4024% | 6,778 |
Total domestic deposits to total assets | 91.6306% | 322 |
Equity capital to assets | 8.2377% | 6,226 |
Core capital (leverage) ratio | 8.0465% | 6,100 |
Tier 1 risk-based capital ratio | 27.0514% | 702 |
Total risk-based capital ratio | 28.3127% | 686 |
Memoranda: | ||
Average total assets | $44,216,500 | 6,338 |
Average earning assets | $41,771,500 | 6,289 |
Average equity | $3,667,000 | 6,594 |
Average total loans | $12,532,000 | 6,677 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3183% | 6,566 |
Cost of funding earning assets | 0.4414% | 5,644 |
Net interest margin | 2.8769% | 6,266 |
Noninterest income to average assets | 0.2979% | 5,330 |
Noninterest expense to average assets | 2.1890% | 5,945 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.8052% | 3,263 |
Return on assets (ROA) | 0.8052% | 3,515 |
Pretax return on assets | 0.8052% | 4,271 |
Return on Equity (ROE) | 9.3809% | 2,448 |
Retained earnings to average equity (ytd only) | 9.3809% | 726 |
Net charge-offs to loans | 0.0228% | 5,584 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 109.0000% | 352 |
Efficiency ratio | 73.1086% | 3,224 |
Assets per employee ($millions) | 3.6376% | 4,692 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1211% | 1,710 |
Loan loss allowance to noncurrent loans | 13,500.0000% | 54 |
Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,693 |
Noncurrent loans to loans | 0.0157% | 6,502 |
Net loans and leases to total assets | 28.5423% | 6,749 |
Net loans and leases to deposits | 31.1896% | 6,807 |
Net loans and leases to core deposits | 31.1896% | 6,823 |
Total domestic deposits to total assets | 91.5122% | 336 |
Equity capital to assets | 8.3503% | 6,160 |
Core capital (leverage) ratio | 8.6633% | 5,376 |
Tier 1 risk-based capital ratio | 26.3462% | 738 |
Total risk-based capital ratio | 27.6039% | 730 |
Memoranda: | ||
Average total assets | $40,612,800 | 6,484 |
Average earning assets | $38,061,800 | 6,426 |
Average equity | $3,485,800 | 6,690 |
Average total loans | $13,148,200 | 6,731 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4060% | 6,621 |
Cost of funding earning assets | 0.4672% | 5,663 |
Net interest margin | 2.9388% | 6,292 |
Noninterest income to average assets | 0.2610% | 5,701 |
Noninterest expense to average assets | 2.2281% | 5,887 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.7895% | 3,502 |
Return on assets (ROA) | 0.7895% | 3,743 |
Pretax return on assets | 0.7895% | 4,529 |
Return on Equity (ROE) | 9.1312% | 2,735 |
Retained earnings to average equity (ytd only) | 9.1312% | 1,172 |
Net charge-offs to loans | 0.0302% | 5,229 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 78.6650% | 525 |
Efficiency ratio | 73.8359% | 3,013 |
Assets per employee ($millions) | 3.3123% | 5,418 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0455% | 2,046 |
Loan loss allowance to noncurrent loans | 5,400.0000% | 130 |
Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,750 |
Noncurrent loans to loans | 0.0379% | 6,524 |
Net loans and leases to total assets | 32.5308% | 6,721 |
Net loans and leases to deposits | 35.8281% | 6,821 |
Net loans and leases to core deposits | 35.8281% | 6,860 |
Total domestic deposits to total assets | 90.7968% | 477 |
Equity capital to assets | 8.9416% | 5,878 |
Core capital (leverage) ratio | 8.6474% | 5,558 |
Tier 1 risk-based capital ratio | 25.9871% | 828 |
Total risk-based capital ratio | 27.2448% | 813 |
Memoranda: | ||
Average total assets | $39,853,250 | 6,588 |
Average earning assets | $37,384,000 | 6,532 |
Average equity | $3,446,000 | 6,783 |
Average total loans | $13,253,000 | 6,815 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4901% | 6,617 |
Cost of funding earning assets | 0.4703% | 5,828 |
Net interest margin | 3.0197% | 6,199 |
Noninterest income to average assets | 0.2357% | 5,881 |
Noninterest expense to average assets | 2.2513% | 5,867 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.8173% | 3,314 |
Return on assets (ROA) | 0.8173% | 3,576 |
Pretax return on assets | 0.8173% | 4,414 |
Return on Equity (ROE) | 9.5601% | 2,552 |
Retained earnings to average equity (ytd only) | 9.5601% | 1,102 |
Net charge-offs to loans | 0.0452% | 4,754 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 54.3333% | 682 |
Efficiency ratio | 73.3660% | 3,180 |
Assets per employee ($millions) | 3.3012% | 5,444 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0015% | 2,223 |
Loan loss allowance to noncurrent loans | 385.7143% | 941 |
Noncurrent assets plus other real estate owned to assets | 0.1767% | 6,349 |
Noncurrent loans to loans | 0.5189% | 5,488 |
Net loans and leases to total assets | 33.3720% | 6,755 |
Net loans and leases to deposits | 36.6906% | 6,850 |
Net loans and leases to core deposits | 36.6906% | 6,900 |
Total domestic deposits to total assets | 90.9552% | 464 |
Equity capital to assets | 8.7873% | 5,928 |
Core capital (leverage) ratio | 8.4776% | 5,676 |
Tier 1 risk-based capital ratio | 25.2594% | 877 |
Total risk-based capital ratio | 26.5148% | 864 |
Memoranda: | ||
Average total assets | $39,888,670 | 6,632 |
Average earning assets | $37,420,330 | 6,576 |
Average equity | $3,410,000 | 6,830 |
Average total loans | $13,270,670 | 6,869 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6824% | 6,468 |
Cost of funding earning assets | 0.4696% | 6,016 |
Net interest margin | 3.2128% | 5,750 |
Noninterest income to average assets | 0.2798% | 5,628 |
Noninterest expense to average assets | 2.1586% | 6,133 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.1293% | 1,954 |
Return on assets (ROA) | 1.1293% | 2,141 |
Pretax return on assets | 1.1293% | 3,200 |
Return on Equity (ROE) | 13.3946% | 1,307 |
Retained earnings to average equity (ytd only) | 13.3946% | 630 |
Net charge-offs to loans | 0.0304% | 4,261 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 113.0000% | 312 |
Efficiency ratio | 65.6535% | 4,623 |
Assets per employee ($millions) | 3.4732% | 5,178 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1027% | 2,098 |
Loan loss allowance to noncurrent loans | 261.5385% | 1,288 |
Noncurrent assets plus other real estate owned to assets | 0.2495% | 6,264 |
Noncurrent loans to loans | 0.8040% | 5,071 |
Net loans and leases to total assets | 30.3853% | 6,892 |
Net loans and leases to deposits | 33.1996% | 6,977 |
Net loans and leases to core deposits | 33.1996% | 7,013 |
Total domestic deposits to total assets | 91.5231% | 370 |
Equity capital to assets | 8.2322% | 6,332 |
Core capital (leverage) ratio | 8.2671% | 5,930 |
Tier 1 risk-based capital ratio | 24.9382% | 914 |
Total risk-based capital ratio | 26.1957% | 900 |
Memoranda: | ||
Average total assets | $40,026,000 | 6,686 |
Average earning assets | $37,475,500 | 6,625 |
Average equity | $3,374,500 | 6,883 |
Average total loans | $13,161,000 | 6,930 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8278% | 6,699 |
Cost of funding earning assets | 0.5546% | 6,320 |
Net interest margin | 3.2732% | 5,892 |
Noninterest income to average assets | 0.4116% | 4,523 |
Noninterest expense to average assets | 2.3802% | 5,827 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.1156% | 1,774 |
Return on assets (ROA) | 1.1156% | 1,896 |
Pretax return on assets | 1.1156% | 2,777 |
Return on Equity (ROE) | 12.8734% | 1,193 |
Retained earnings to average equity (ytd only) | 0.0625% | 5,808 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0868% | 4,339 |
Assets per employee ($millions) | 3.1978% | 5,709 |
Cash dividends to net income (ytd only)* | 99.5146% | 335 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0394% | 2,154 |
Loan loss allowance to noncurrent loans | 195.0000% | 1,701 |
Noncurrent assets plus other real estate owned to assets | 0.3648% | 6,063 |
Noncurrent loans to loans | 1.0459% | 4,618 |
Net loans and leases to total assets | 34.1716% | 6,861 |
Net loans and leases to deposits | 37.5139% | 6,962 |
Net loans and leases to core deposits | 37.5139% | 7,011 |
Total domestic deposits to total assets | 91.0903% | 470 |
Equity capital to assets | 8.6465% | 5,961 |
Core capital (leverage) ratio | 8.4783% | 5,599 |
Tier 1 risk-based capital ratio | 24.5924% | 914 |
Total risk-based capital ratio | 25.8524% | 904 |
Memoranda: | ||
Average total assets | $36,930,200 | 6,766 |
Average earning assets | $34,797,800 | 6,720 |
Average equity | $3,200,400 | 6,963 |
Average total loans | $13,437,200 | 6,970 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9257% | 6,700 |
Cost of funding earning assets | 0.5636% | 6,457 |
Net interest margin | 3.3621% | 5,680 |
Noninterest income to average assets | 0.3682% | 4,926 |
Noninterest expense to average assets | 2.3808% | 5,816 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.1631% | 1,771 |
Return on assets (ROA) | 1.1631% | 1,884 |
Pretax return on assets | 1.1631% | 2,775 |
Return on Equity (ROE) | 13.4128% | 1,180 |
Retained earnings to average equity (ytd only) | -3.8262% | 6,499 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.1811% | 4,486 |
Assets per employee ($millions) | 3.0411% | 6,028 |
Cash dividends to net income (ytd only)* | 128.5268% | 153 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0022% | 2,331 |
Loan loss allowance to noncurrent loans | 262.5000% | 1,188 |
Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,348 |
Noncurrent loans to loans | 0.7627% | 5,347 |
Net loans and leases to total assets | 36.6152% | 6,837 |
Net loans and leases to deposits | 40.2810% | 6,969 |
Net loans and leases to core deposits | 40.2810% | 7,030 |
Total domestic deposits to total assets | 90.8996% | 469 |
Equity capital to assets | 8.8373% | 5,937 |
Core capital (leverage) ratio | 8.5068% | 5,705 |
Tier 1 risk-based capital ratio | 24.4540% | 962 |
Total risk-based capital ratio | 25.7128% | 946 |
Memoranda: | ||
Average total assets | $36,569,250 | 6,842 |
Average earning assets | $34,541,000 | 6,791 |
Average equity | $3,171,000 | 7,032 |
Average total loans | $13,450,000 | 7,044 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9508% | 6,737 |
Cost of funding earning assets | 0.5743% | 6,563 |
Net interest margin | 3.3765% | 5,620 |
Noninterest income to average assets | 0.3607% | 4,993 |
Noninterest expense to average assets | 2.3501% | 5,996 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.1914% | 1,598 |
Return on assets (ROA) | 1.1914% | 1,687 |
Pretax return on assets | 1.1914% | 2,515 |
Return on Equity (ROE) | 13.8281% | 1,009 |
Retained earnings to average equity (ytd only) | -12.1789% | 6,944 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3580% | 4,812 |
Assets per employee ($millions) | 3.1351% | 5,792 |
Cash dividends to net income (ytd only)* | 188.0734% | 104 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0369% | 2,269 |
Loan loss allowance to noncurrent loans | 373.9726% | 854 |
Noncurrent assets plus other real estate owned to assets | 0.1940% | 6,620 |
Noncurrent loans to loans | 0.5447% | 5,824 |
Net loans and leases to total assets | 34.9007% | 7,022 |
Net loans and leases to deposits | 38.1686% | 7,116 |
Net loans and leases to core deposits | 38.1686% | 7,163 |
Total domestic deposits to total assets | 91.4383% | 357 |
Equity capital to assets | 8.3065% | 6,416 |
Core capital (leverage) ratio | 8.2300% | 5,978 |
Tier 1 risk-based capital ratio | 23.9061% | 1,016 |
Total risk-based capital ratio | 25.1683% | 998 |
Memoranda: | ||
Average total assets | $36,594,670 | 6,900 |
Average earning assets | $34,474,000 | 6,850 |
Average equity | $3,153,000 | 7,088 |
Average total loans | $13,388,330 | 7,113 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1206% | 6,464 |
Cost of funding earning assets | 0.6004% | 6,612 |
Net interest margin | 3.5201% | 4,916 |
Noninterest income to average assets | 0.3880% | 4,808 |
Noninterest expense to average assets | 2.4722% | 5,659 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.2305% | 1,453 |
Return on assets (ROA) | 1.2305% | 1,501 |
Pretax return on assets | 1.2305% | 2,265 |
Return on Equity (ROE) | 14.0196% | 988 |
Retained earnings to average equity (ytd only) | -37.7644% | 7,347 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.7665% | 4,902 |
Assets per employee ($millions) | 3.0529% | 6,047 |
Cash dividends to net income (ytd only)* | 369.3694% | 60 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1115% | 2,161 |
Loan loss allowance to noncurrent loans | 160.5882% | 1,819 |
Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,055 |
Noncurrent loans to loans | 1.3149% | 4,500 |
Net loans and leases to total assets | 34.5462% | 7,069 |
Net loans and leases to deposits | 37.7678% | 7,172 |
Net loans and leases to core deposits | 37.7678% | 7,225 |
Total domestic deposits to total assets | 91.4699% | 424 |
Equity capital to assets | 8.2380% | 6,239 |
Core capital (leverage) ratio | 8.0062% | 6,252 |
Tier 1 risk-based capital ratio | 23.9676% | 978 |
Total risk-based capital ratio | 25.2303% | 958 |
Memoranda: | ||
Average total assets | $36,081,500 | 6,964 |
Average earning assets | $33,976,000 | 6,920 |
Average equity | $3,167,000 | 7,118 |
Average total loans | $13,381,000 | 7,167 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5194% | 6,341 |
Cost of funding earning assets | 0.8466% | 6,377 |
Net interest margin | 3.6728% | 4,479 |
Noninterest income to average assets | 0.3955% | 4,939 |
Noninterest expense to average assets | 2.5957% | 5,435 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 1.2310% | 1,341 |
Return on assets (ROA) | 1.2310% | 1,413 |
Pretax return on assets | 1.2310% | 2,138 |
Return on Equity (ROE) | 12.8787% | 1,117 |
Retained earnings to average equity (ytd only) | -4.6973% | 6,269 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.3660% | 4,690 |
Assets per employee ($millions) | 2.9607% | 6,189 |
Cash dividends to net income (ytd only)* | 136.4734% | 195 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9735% | 2,370 |
Loan loss allowance to noncurrent loans | 91.0000% | 3,136 |
Noncurrent assets plus other real estate owned to assets | 0.8444% | 5,316 |
Noncurrent loans to loans | 2.1687% | 3,347 |
Net loans and leases to total assets | 38.1671% | 7,066 |
Net loans and leases to deposits | 42.2469% | 7,176 |
Net loans and leases to core deposits | 42.2469% | 7,250 |
Total domestic deposits to total assets | 90.3428% | 912 |
Equity capital to assets | 9.3335% | 4,643 |
Core capital (leverage) ratio | 9.0959% | 4,365 |
Tier 1 risk-based capital ratio | 24.2008% | 912 |
Total risk-based capital ratio | 25.4634% | 895 |
Memoranda: | ||
Average total assets | $33,632,000 | 7,094 |
Average earning assets | $31,419,800 | 7,040 |
Average equity | $3,214,600 | 7,217 |
Average total loans | $14,950,800 | 7,171 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6090% | 6,312 |
Cost of funding earning assets | 0.8925% | 6,422 |
Net interest margin | 3.7165% | 4,320 |
Noninterest income to average assets | 0.3579% | 5,307 |
Noninterest expense to average assets | 2.6338% | 5,181 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.1902% | 1,616 |
Return on assets (ROA) | 1.1902% | 1,708 |
Pretax return on assets | 1.1902% | 2,526 |
Return on Equity (ROE) | 12.3747% | 1,409 |
Retained earnings to average equity (ytd only) | -11.2459% | 6,935 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2440% | 4,419 |
Assets per employee ($millions) | 2.8378% | 6,517 |
Cash dividends to net income (ytd only)* | 190.8757% | 92 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8483% | 2,633 |
Loan loss allowance to noncurrent loans | 94.7917% | 2,916 |
Noncurrent assets plus other real estate owned to assets | 0.8457% | 5,400 |
Noncurrent loans to loans | 1.9499% | 3,747 |
Net loans and leases to total assets | 42.5719% | 6,945 |
Net loans and leases to deposits | 47.1677% | 7,118 |
Net loans and leases to core deposits | 47.1677% | 7,227 |
Total domestic deposits to total assets | 90.2564% | 747 |
Equity capital to assets | 9.3912% | 4,999 |
Core capital (leverage) ratio | 9.3144% | 4,189 |
Tier 1 risk-based capital ratio | 21.9387% | 1,215 |
Total risk-based capital ratio | 23.1941% | 1,190 |
Memoranda: | ||
Average total assets | $33,158,000 | 7,200 |
Average earning assets | $30,924,250 | 7,140 |
Average equity | $3,189,250 | 7,312 |
Average total loans | $15,230,250 | 7,245 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6768% | 6,225 |
Cost of funding earning assets | 0.9275% | 6,474 |
Net interest margin | 3.7493% | 4,136 |
Noninterest income to average assets | 0.3895% | 4,998 |
Noninterest expense to average assets | 2.6598% | 5,081 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.2234% | 1,502 |
Return on assets (ROA) | 1.2234% | 1,563 |
Pretax return on assets | 1.2234% | 2,340 |
Return on Equity (ROE) | 12.6164% | 1,326 |
Retained earnings to average equity (ytd only) | -22.8476% | 7,321 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5549% | 4,662 |
Assets per employee ($millions) | 2.7098% | 6,769 |
Cash dividends to net income (ytd only)* | 281.0945% | 68 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8458% | 2,580 |
Loan loss allowance to noncurrent loans | 94.7917% | 2,901 |
Noncurrent assets plus other real estate owned to assets | 0.8857% | 5,349 |
Noncurrent loans to loans | 1.9473% | 3,798 |
Net loans and leases to total assets | 44.6443% | 6,873 |
Net loans and leases to deposits | 49.5444% | 7,085 |
Net loans and leases to core deposits | 49.5444% | 7,227 |
Total domestic deposits to total assets | 90.1098% | 866 |
Equity capital to assets | 9.5427% | 4,644 |
Core capital (leverage) ratio | 9.3102% | 4,099 |
Tier 1 risk-based capital ratio | 18.1973% | 1,896 |
Total risk-based capital ratio | 19.4523% | 1,869 |
Memoranda: | ||
Average total assets | $32,859,670 | 7,263 |
Average earning assets | $30,619,000 | 7,205 |
Average equity | $3,186,330 | 7,361 |
Average total loans | $15,383,670 | 7,294 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7390% | 6,116 |
Cost of funding earning assets | 0.9244% | 6,677 |
Net interest margin | 3.8146% | 3,730 |
Noninterest income to average assets | 0.3512% | 5,332 |
Noninterest expense to average assets | 2.8458% | 4,297 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.0536% | 1,993 |
Return on assets (ROA) | 1.0536% | 2,055 |
Pretax return on assets | 1.0536% | 2,896 |
Return on Equity (ROE) | 10.7807% | 1,844 |
Retained earnings to average equity (ytd only) | -59.2317% | 7,733 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.0497% | 3,924 |
Assets per employee ($millions) | 2.7408% | 6,777 |
Cash dividends to net income (ytd only)* | 649.4253% | 33 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8268% | 2,651 |
Loan loss allowance to noncurrent loans | 94.7917% | 2,911 |
Noncurrent assets plus other real estate owned to assets | 0.8757% | 5,407 |
Noncurrent loans to loans | 1.9272% | 3,890 |
Net loans and leases to total assets | 44.6076% | 6,943 |
Net loans and leases to deposits | 49.2365% | 7,170 |
Net loans and leases to core deposits | 49.2365% | 7,312 |
Total domestic deposits to total assets | 90.5987% | 691 |
Equity capital to assets | 9.0881% | 5,150 |
Core capital (leverage) ratio | 9.0051% | 4,559 |
Tier 1 risk-based capital ratio | 17.3706% | 2,114 |
Total risk-based capital ratio | 18.6271% | 2,086 |
Memoranda: | ||
Average total assets | $33,031,000 | 7,343 |
Average earning assets | $30,724,000 | 7,290 |
Average equity | $3,228,000 | 7,427 |
Average total loans | $15,680,500 | 7,366 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3587% | 4,902 |
Cost of funding earning assets | 1.0624% | 7,072 |
Net interest margin | 4.2962% | 1,733 |
Noninterest income to average assets | 0.5007% | 4,405 |
Noninterest expense to average assets | 2.7696% | 5,091 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.7682% | 382 |
Return on assets (ROA) | 1.7682% | 403 |
Pretax return on assets | 1.7682% | 676 |
Return on Equity (ROE) | 17.0058% | 459 |
Retained earnings to average equity (ytd only) | -3.3711% | 5,764 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.2069% | 6,459 |
Assets per employee ($millions) | 2.7644% | 6,725 |
Cash dividends to net income (ytd only)* | 119.8230% | 407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6629% | 3,035 |
Loan loss allowance to noncurrent loans | 156.0000% | 1,849 |
Noncurrent assets plus other real estate owned to assets | 0.5275% | 6,133 |
Noncurrent loans to loans | 1.0660% | 5,191 |
Net loans and leases to total assets | 48.6661% | 6,760 |
Net loans and leases to deposits | 54.5645% | 7,017 |
Net loans and leases to core deposits | 55.9506% | 7,407 |
Total domestic deposits to total assets | 89.1900% | 1,394 |
Equity capital to assets | 10.4513% | 3,239 |
Core capital (leverage) ratio | 10.3212% | 2,769 |
Tier 1 risk-based capital ratio | 18.8631% | 1,684 |
Total risk-based capital ratio | 20.1166% | 1,652 |
Memoranda: | ||
Average total assets | $31,954,000 | 7,406 |
Average earning assets | $30,026,200 | 7,355 |
Average equity | $3,322,400 | 7,496 |
Average total loans | $15,169,600 | 7,442 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4458% | 4,705 |
Cost of funding earning assets | 1.0820% | 7,216 |
Net interest margin | 4.3638% | 1,548 |
Noninterest income to average assets | 0.4634% | 4,793 |
Noninterest expense to average assets | 2.7172% | 5,252 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.8578% | 396 |
Return on assets (ROA) | 1.8578% | 418 |
Pretax return on assets | 1.8578% | 720 |
Return on Equity (ROE) | 17.8924% | 467 |
Retained earnings to average equity (ytd only) | -9.5750% | 6,766 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.5635% | 6,637 |
Assets per employee ($millions) | 2.6055% | 7,037 |
Cash dividends to net income (ytd only)* | 153.5128% | 276 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7849% | 2,324 |
Loan loss allowance to noncurrent loans | 65.3110% | 4,057 |
Noncurrent assets plus other real estate owned to assets | 1.3369% | 4,416 |
Noncurrent loans to loans | 2.7329% | 2,775 |
Net loans and leases to total assets | 48.0458% | 6,948 |
Net loans and leases to deposits | 54.0204% | 7,216 |
Net loans and leases to core deposits | 55.4829% | 7,559 |
Total domestic deposits to total assets | 88.9401% | 1,225 |
Equity capital to assets | 10.6921% | 3,299 |
Core capital (leverage) ratio | 10.2295% | 3,041 |
Tier 1 risk-based capital ratio | 19.7150% | 1,612 |
Total risk-based capital ratio | 20.9686% | 1,569 |
Memoranda: | ||
Average total assets | $31,649,250 | 7,476 |
Average earning assets | $29,820,500 | 7,423 |
Average equity | $3,286,250 | 7,576 |
Average total loans | $14,857,750 | 7,532 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5277% | 4,458 |
Cost of funding earning assets | 1.0922% | 7,391 |
Net interest margin | 4.4355% | 1,320 |
Noninterest income to average assets | 0.4280% | 5,055 |
Noninterest expense to average assets | 2.6560% | 5,537 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.9637% | 322 |
Return on assets (ROA) | 1.9637% | 353 |
Pretax return on assets | 1.9637% | 612 |
Return on Equity (ROE) | 19.0982% | 394 |
Retained earnings to average equity (ytd only) | -22.3424% | 7,525 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.6757% | 7,029 |
Assets per employee ($millions) | 2.6750% | 6,892 |
Cash dividends to net income (ytd only)* | 216.9872% | 199 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8364% | 1,953 |
Loan loss allowance to noncurrent loans | 117.6724% | 2,502 |
Noncurrent assets plus other real estate owned to assets | 0.7227% | 5,601 |
Noncurrent loans to loans | 1.5606% | 4,156 |
Net loans and leases to total assets | 45.4611% | 7,234 |
Net loans and leases to deposits | 50.7424% | 7,451 |
Net loans and leases to core deposits | 52.0695% | 7,706 |
Total domestic deposits to total assets | 89.5919% | 1,006 |
Equity capital to assets | 10.0125% | 3,923 |
Core capital (leverage) ratio | 9.8110% | 3,503 |
Tier 1 risk-based capital ratio | 19.3673% | 1,707 |
Total risk-based capital ratio | 20.6194% | 1,664 |
Memoranda: | ||
Average total assets | $31,777,000 | 7,540 |
Average earning assets | $30,030,330 | 7,481 |
Average equity | $3,267,330 | 7,643 |
Average total loans | $14,712,000 | 7,606 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9482% | 7,060 |
Cost of funding earning assets | 1.1204% | 7,480 |
Net interest margin | 3.8279% | 3,349 |
Noninterest income to average assets | 0.4049% | 5,177 |
Noninterest expense to average assets | 2.6822% | 5,090 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.3538% | 1,251 |
Return on assets (ROA) | 1.3538% | 1,338 |
Pretax return on assets | 1.3538% | 2,109 |
Return on Equity (ROE) | 12.9933% | 1,389 |
Retained earnings to average equity (ytd only) | -69.2168% | 8,094 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.5172% | 5,422 |
Assets per employee ($millions) | 2.6283% | 7,030 |
Cash dividends to net income (ytd only)* | 632.7103% | 50 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9528% | 1,523 |
Loan loss allowance to noncurrent loans | 148.3696% | 2,169 |
Noncurrent assets plus other real estate owned to assets | 0.5834% | 5,723 |
Noncurrent loans to loans | 1.3162% | 4,345 |
Net loans and leases to total assets | 43.4591% | 7,382 |
Net loans and leases to deposits | 48.2250% | 7,568 |
Net loans and leases to core deposits | 49.7279% | 7,800 |
Total domestic deposits to total assets | 90.1173% | 741 |
Equity capital to assets | 9.5403% | 4,620 |
Core capital (leverage) ratio | 9.1739% | 4,444 |
Tier 1 risk-based capital ratio | 19.1090% | 1,790 |
Total risk-based capital ratio | 20.3664% | 1,751 |
Memoranda: | ||
Average total assets | $31,615,500 | 7,586 |
Average earning assets | $29,990,500 | 7,517 |
Average equity | $3,294,000 | 7,690 |
Average total loans | $14,635,000 | 7,656 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1754% | 4,639 |
Cost of funding earning assets | 1.3547% | 7,793 |
Net interest margin | 4.8207% | 746 |
Noninterest income to average assets | 0.5059% | 4,577 |
Noninterest expense to average assets | 2.8122% | 4,770 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 2.2531% | 214 |
Return on assets (ROA) | 2.2531% | 210 |
Pretax return on assets | 2.2531% | 355 |
Return on Equity (ROE) | 19.8697% | 387 |
Retained earnings to average equity (ytd only) | -0.7337% | 5,523 |
Net charge-offs to loans | 0.0132% | 6,725 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 338.5000% | 139 |
Efficiency ratio | 54.7306% | 7,181 |
Assets per employee ($millions) | 2.6409% | 6,915 |
Cash dividends to net income (ytd only)* | 103.6928% | 900 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7855% | 1,663 |
Loan loss allowance to noncurrent loans | 3,412.5000% | 186 |
Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,498 |
Noncurrent loans to loans | 0.0523% | 7,298 |
Net loans and leases to total assets | 47.3857% | 7,232 |
Net loans and leases to deposits | 54.4746% | 7,407 |
Net loans and leases to core deposits | 55.5321% | 7,753 |
Total domestic deposits to total assets | 86.9868% | 1,942 |
Equity capital to assets | 11.2934% | 2,809 |
Core capital (leverage) ratio | 10.9647% | 2,617 |
Tier 1 risk-based capital ratio | 21.2597% | 1,423 |
Total risk-based capital ratio | 22.5134% | 1,388 |
Memoranda: | ||
Average total assets | $30,047,800 | 7,648 |
Average earning assets | $28,419,400 | 7,594 |
Average equity | $3,407,200 | 7,719 |
Average total loans | $15,184,600 | 7,636 |