Home > Classic Bank > Performance and Condition Ratios
Classic Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1095% | 1,840 |
Cost of funding earning assets | 2.2724% | 573 |
Net interest margin | 2.8371% | 3,594 |
Noninterest income to average assets | 0.8000% | 935 |
Noninterest expense to average assets | 2.5695% | 2,100 |
Loan and lease loss provision to assets | 0.0200% | 2,739 |
Net operating income to assets | 0.8622% | 2,664 |
Return on assets (ROA) | 0.8719% | 2,601 |
Pretax return on assets | 0.8719% | 3,037 |
Return on Equity (ROE) | 11.1000% | 2,197 |
Retained earnings to average equity (ytd only) | 9.8495% | 1,057 |
Net charge-offs to loans | 0.0206% | 1,929 |
Credit loss provision to net charge-offs | 130.6306% | 1,595 |
Earnings coverage of net charge-offs (x) | 54.1712% | 1,245 |
Efficiency ratio | 74.4128% | 1,413 |
Assets per employee ($millions) | 7.5004% | 1,729 |
Cash dividends to net income (ytd only)* | 11.2572% | 3,193 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0399% | 3,111 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,491 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 80.3300% | 605 |
Net loans and leases to deposits | 91.3640% | 1,151 |
Net loans and leases to core deposits | 105.5875% | 1,133 |
Total domestic deposits to total assets | 87.9200% | 1,385 |
Equity capital to assets | 8.0660% | 3,369 |
Core capital (leverage) ratio | 8.7579% | 3,932 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5754% | 2,388 |
Memoranda: | ||
Average total assets | $680,552,400 | 1,331 |
Average earning assets | $636,733,600 | 1,315 |
Average equity | $53,464,600 | 1,520 |
Average total loans | $539,685,800 | 1,167 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9746% | 1,884 |
Cost of funding earning assets | 2.1569% | 537 |
Net interest margin | 2.8176% | 3,701 |
Noninterest income to average assets | 0.8100% | 922 |
Noninterest expense to average assets | 2.6557% | 1,782 |
Loan and lease loss provision to assets | 0.0300% | 2,354 |
Net operating income to assets | 0.7608% | 3,130 |
Return on assets (ROA) | 0.7739% | 3,093 |
Pretax return on assets | 0.7739% | 3,390 |
Return on Equity (ROE) | 9.9200% | 2,659 |
Retained earnings to average equity (ytd only) | 8.2198% | 1,882 |
Net charge-offs to loans | 0.0222% | 1,652 |
Credit loss provision to net charge-offs | 147.7273% | 1,334 |
Earnings coverage of net charge-offs (x) | 44.9659% | 1,374 |
Efficiency ratio | 77.1483% | 1,080 |
Assets per employee ($millions) | 7.2876% | 1,761 |
Cash dividends to net income (ytd only)* | 17.1590% | 2,558 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0920% | 2,904 |
Loan loss allowance to noncurrent loans | 924.4648% | 928 |
Noncurrent assets plus other real estate owned to assets | 0.0994% | 2,912 |
Noncurrent loans to loans | 0.1181% | 2,975 |
Net loans and leases to total assets | 77.4700% | 950 |
Net loans and leases to deposits | 88.3509% | 1,355 |
Net loans and leases to core deposits | 96.1699% | 1,543 |
Total domestic deposits to total assets | 87.6800% | 1,674 |
Equity capital to assets | 7.4693% | 3,374 |
Core capital (leverage) ratio | 8.7659% | 3,974 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5666% | 2,427 |
Memoranda: | ||
Average total assets | $670,681,000 | 1,344 |
Average earning assets | $626,181,500 | 1,330 |
Average equity | $52,311,250 | 1,539 |
Average total loans | $528,487,250 | 1,178 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9272% | 1,694 |
Cost of funding earning assets | 2.0637% | 432 |
Net interest margin | 2.8635% | 3,708 |
Noninterest income to average assets | 0.8300% | 808 |
Noninterest expense to average assets | 2.7054% | 1,629 |
Loan and lease loss provision to assets | 0.0200% | 2,476 |
Net operating income to assets | 0.7689% | 3,167 |
Return on assets (ROA) | 0.7689% | 3,180 |
Pretax return on assets | 0.7689% | 3,464 |
Return on Equity (ROE) | 9.7100% | 2,787 |
Retained earnings to average equity (ytd only) | 7.1488% | 2,239 |
Net charge-offs to loans | 0.0185% | 1,537 |
Credit loss provision to net charge-offs | 114.5833% | 1,350 |
Earnings coverage of net charge-offs (x) | 53.8958% | 1,247 |
Efficiency ratio | 77.4965% | 1,039 |
Assets per employee ($millions) | 7.0626% | 1,879 |
Cash dividends to net income (ytd only)* | 26.3823% | 2,205 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1229% | 2,830 |
Loan loss allowance to noncurrent loans | 22,723.0769% | 72 |
Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,738 |
Noncurrent loans to loans | 0.0049% | 3,774 |
Net loans and leases to total assets | 76.7300% | 969 |
Net loans and leases to deposits | 90.0981% | 1,174 |
Net loans and leases to core deposits | 96.2353% | 1,454 |
Total domestic deposits to total assets | 85.1600% | 2,496 |
Equity capital to assets | 7.8523% | 3,313 |
Core capital (leverage) ratio | 8.7675% | 3,950 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7540% | 2,385 |
Memoranda: | ||
Average total assets | $658,608,667 | 1,363 |
Average earning assets | $612,878,000 | 1,355 |
Average equity | $52,148,333 | 1,541 |
Average total loans | $520,094,000 | 1,174 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8557% | 1,495 |
Cost of funding earning assets | 1.9102% | 355 |
Net interest margin | 2.9455% | 3,709 |
Noninterest income to average assets | 0.8000% | 855 |
Noninterest expense to average assets | 2.7566% | 1,536 |
Loan and lease loss provision to assets | 0.0200% | 2,260 |
Net operating income to assets | 0.7539% | 3,335 |
Return on assets (ROA) | 0.7539% | 3,289 |
Pretax return on assets | 0.7539% | 3,554 |
Return on Equity (ROE) | 9.4800% | 2,925 |
Retained earnings to average equity (ytd only) | 4.3021% | 3,180 |
Net charge-offs to loans | 0.0248% | 1,194 |
Credit loss provision to net charge-offs | 125.0000% | 1,020 |
Earnings coverage of net charge-offs (x) | 39.4688% | 1,195 |
Efficiency ratio | 77.9773% | 1,006 |
Assets per employee ($millions) | 6.8872% | 2,054 |
Cash dividends to net income (ytd only)* | 54.6198% | 1,075 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1343% | 2,885 |
Loan loss allowance to noncurrent loans | 10,482.1429% | 164 |
Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,666 |
Noncurrent loans to loans | 0.0108% | 3,745 |
Net loans and leases to total assets | 79.0300% | 637 |
Net loans and leases to deposits | 92.3836% | 893 |
Net loans and leases to core deposits | 98.0332% | 1,172 |
Total domestic deposits to total assets | 85.5400% | 2,710 |
Equity capital to assets | 8.0107% | 3,233 |
Core capital (leverage) ratio | 8.7207% | 3,968 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0552% | 2,716 |
Memoranda: | ||
Average total assets | $648,910,000 | 1,401 |
Average earning assets | $602,673,500 | 1,396 |
Average equity | $51,603,000 | 1,574 |
Average total loans | $517,066,000 | 1,197 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3391% | 991 |
Cost of funding earning assets | 0.7229% | 528 |
Net interest margin | 3.6162% | 1,600 |
Noninterest income to average assets | 0.6400% | 1,496 |
Noninterest expense to average assets | 2.4911% | 2,150 |
Loan and lease loss provision to assets | 0.1400% | 867 |
Net operating income to assets | 1.3723% | 1,206 |
Return on assets (ROA) | 1.3723% | 1,164 |
Pretax return on assets | 1.3723% | 1,855 |
Return on Equity (ROE) | 16.7100% | 918 |
Retained earnings to average equity (ytd only) | 7.3778% | 2,074 |
Net charge-offs to loans | -0.0195% | 4,058 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 62.2921% | 2,721 |
Assets per employee ($millions) | 6.7753% | 2,139 |
Cash dividends to net income (ytd only)* | 55.8519% | 1,133 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2748% | 2,015 |
Loan loss allowance to noncurrent loans | 4,221.7949% | 340 |
Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,495 |
Noncurrent loans to loans | 0.0302% | 3,573 |
Net loans and leases to total assets | 78.4200% | 760 |
Net loans and leases to deposits | 91.3751% | 953 |
Net loans and leases to core deposits | 95.4779% | 1,231 |
Total domestic deposits to total assets | 85.8200% | 2,774 |
Equity capital to assets | 7.9585% | 3,084 |
Core capital (leverage) ratio | 8.9484% | 3,742 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6251% | 2,521 |
Memoranda: | ||
Average total assets | $612,026,600 | 1,455 |
Average earning assets | $569,085,400 | 1,455 |
Average equity | $50,259,200 | 1,615 |
Average total loans | $477,685,000 | 1,215 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2091% | 874 |
Cost of funding earning assets | 0.5134% | 705 |
Net interest margin | 3.6957% | 1,149 |
Noninterest income to average assets | 0.5900% | 1,743 |
Noninterest expense to average assets | 2.4974% | 2,021 |
Loan and lease loss provision to assets | 0.1700% | 564 |
Net operating income to assets | 1.3552% | 1,204 |
Return on assets (ROA) | 1.3552% | 1,180 |
Pretax return on assets | 1.3552% | 1,866 |
Return on Equity (ROE) | 16.3700% | 911 |
Retained earnings to average equity (ytd only) | 6.5191% | 2,545 |
Net charge-offs to loans | -0.0427% | 4,266 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 62.0443% | 2,819 |
Assets per employee ($millions) | 6.8290% | 2,070 |
Cash dividends to net income (ytd only)* | 60.1666% | 867 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3758% | 1,685 |
Loan loss allowance to noncurrent loans | 535.2273% | 1,521 |
Noncurrent assets plus other real estate owned to assets | 0.1961% | 2,295 |
Noncurrent loans to loans | 0.2570% | 2,349 |
Net loans and leases to total assets | 75.2400% | 990 |
Net loans and leases to deposits | 86.1655% | 1,161 |
Net loans and leases to core deposits | 89.6899% | 1,316 |
Total domestic deposits to total assets | 87.3200% | 2,661 |
Equity capital to assets | 7.7098% | 3,084 |
Core capital (leverage) ratio | 9.0785% | 3,526 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4827% | 2,270 |
Memoranda: | ||
Average total assets | $602,427,250 | 1,486 |
Average earning assets | $560,643,750 | 1,481 |
Average equity | $49,883,000 | 1,649 |
Average total loans | $467,943,750 | 1,232 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1467% | 706 |
Cost of funding earning assets | 0.3907% | 980 |
Net interest margin | 3.7561% | 829 |
Noninterest income to average assets | 0.6489% | 1,548 |
Noninterest expense to average assets | 2.5237% | 1,851 |
Loan and lease loss provision to assets | 0.2206% | 357 |
Net operating income to assets | 1.3982% | 913 |
Return on assets (ROA) | 1.3982% | 887 |
Pretax return on assets | 1.3982% | 1,444 |
Return on Equity (ROE) | 16.4877% | 636 |
Retained earnings to average equity (ytd only) | 4.1299% | 3,038 |
Net charge-offs to loans | 0.0095% | 1,628 |
Credit loss provision to net charge-offs | 2,977.2727% | 185 |
Earnings coverage of net charge-offs (x) | 218.5000% | 517 |
Efficiency ratio | 60.9219% | 3,187 |
Assets per employee ($millions) | 6.4902% | 2,324 |
Cash dividends to net income (ytd only)* | 74.9518% | 706 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3507% | 1,953 |
Loan loss allowance to noncurrent loans | 8,745.8333% | 156 |
Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,909 |
Noncurrent loans to loans | 0.0154% | 3,850 |
Net loans and leases to total assets | 76.1968% | 710 |
Net loans and leases to deposits | 85.7418% | 998 |
Net loans and leases to core deposits | 89.3760% | 1,155 |
Total domestic deposits to total assets | 88.8678% | 2,238 |
Equity capital to assets | 7.6686% | 3,363 |
Core capital (leverage) ratio | 8.7880% | 3,669 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6057% | 2,650 |
Memoranda: | ||
Average total assets | $593,891,000 | 1,509 |
Average earning assets | $552,388,667 | 1,512 |
Average equity | $50,364,667 | 1,673 |
Average total loans | $464,237,000 | 1,234 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1327% | 593 |
Cost of funding earning assets | 0.3094% | 1,560 |
Net interest margin | 3.8233% | 609 |
Noninterest income to average assets | 0.8393% | 954 |
Noninterest expense to average assets | 2.4603% | 1,987 |
Loan and lease loss provision to assets | 0.2139% | 329 |
Net operating income to assets | 1.7235% | 385 |
Return on assets (ROA) | 1.7235% | 391 |
Pretax return on assets | 1.7235% | 650 |
Return on Equity (ROE) | 19.3728% | 253 |
Retained earnings to average equity (ytd only) | 3.1143% | 3,221 |
Net charge-offs to loans | 0.0216% | 1,110 |
Credit loss provision to net charge-offs | 1,260.0000% | 292 |
Earnings coverage of net charge-offs (x) | 114.1200% | 629 |
Efficiency ratio | 55.9450% | 3,886 |
Assets per employee ($millions) | 6.5585% | 2,335 |
Cash dividends to net income (ytd only)* | 83.9243% | 659 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2552% | 2,574 |
Loan loss allowance to noncurrent loans | 2,600.0000% | 441 |
Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,657 |
Noncurrent loans to loans | 0.0483% | 3,632 |
Net loans and leases to total assets | 77.6263% | 404 |
Net loans and leases to deposits | 88.0109% | 619 |
Net loans and leases to core deposits | 93.5042% | 753 |
Total domestic deposits to total assets | 88.2008% | 2,429 |
Equity capital to assets | 8.3794% | 3,262 |
Core capital (leverage) ratio | 8.8052% | 3,556 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0488% | 2,880 |
Memoranda: | ||
Average total assets | $589,040,500 | 1,532 |
Average earning assets | $548,219,500 | 1,536 |
Average equity | $52,403,500 | 1,663 |
Average total loans | $463,248,000 | 1,231 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4300% | 679 |
Cost of funding earning assets | 0.4017% | 1,534 |
Net interest margin | 4.0283% | 666 |
Noninterest income to average assets | 0.6712% | 1,868 |
Noninterest expense to average assets | 2.5656% | 1,971 |
Loan and lease loss provision to assets | 0.2423% | 399 |
Net operating income to assets | 1.5919% | 833 |
Return on assets (ROA) | 1.5919% | 865 |
Pretax return on assets | 1.5919% | 1,450 |
Return on Equity (ROE) | 16.7133% | 640 |
Retained earnings to average equity (ytd only) | 11.1642% | 677 |
Net charge-offs to loans | 0.0124% | 2,100 |
Credit loss provision to net charge-offs | 2,494.1176% | 268 |
Earnings coverage of net charge-offs (x) | 188.8235% | 563 |
Efficiency ratio | 58.3117% | 3,394 |
Assets per employee ($millions) | 6.3855% | 2,420 |
Cash dividends to net income (ytd only)* | 33.2017% | 2,373 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2527% | 2,611 |
Loan loss allowance to noncurrent loans | 2,473.3624% | 446 |
Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,726 |
Noncurrent loans to loans | 0.0506% | 3,716 |
Net loans and leases to total assets | 77.6920% | 398 |
Net loans and leases to deposits | 89.3611% | 588 |
Net loans and leases to core deposits | 95.4430% | 715 |
Total domestic deposits to total assets | 86.9416% | 2,543 |
Equity capital to assets | 9.4393% | 3,195 |
Core capital (leverage) ratio | 9.1127% | 3,274 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9548% | 2,647 |
Memoranda: | ||
Average total assets | $525,027,800 | 1,637 |
Average earning assets | $485,955,800 | 1,648 |
Average equity | $50,008,200 | 1,766 |
Average total loans | $410,571,800 | 1,348 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5626% | 603 |
Cost of funding earning assets | 0.4275% | 1,501 |
Net interest margin | 4.1350% | 610 |
Noninterest income to average assets | 0.6737% | 1,914 |
Noninterest expense to average assets | 2.5870% | 1,878 |
Loan and lease loss provision to assets | 0.2444% | 384 |
Net operating income to assets | 1.6633% | 898 |
Return on assets (ROA) | 1.6633% | 939 |
Pretax return on assets | 1.6633% | 1,514 |
Return on Equity (ROE) | 17.4192% | 705 |
Retained earnings to average equity (ytd only) | 11.3586% | 982 |
Net charge-offs to loans | 0.0093% | 1,971 |
Credit loss provision to net charge-offs | 3,357.1429% | 219 |
Earnings coverage of net charge-offs (x) | 261.9643% | 467 |
Efficiency ratio | 57.5545% | 3,343 |
Assets per employee ($millions) | 6.3920% | 2,343 |
Cash dividends to net income (ytd only)* | 34.7928% | 1,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2461% | 2,760 |
Loan loss allowance to noncurrent loans | 823.8462% | 927 |
Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,331 |
Noncurrent loans to loans | 0.1512% | 3,361 |
Net loans and leases to total assets | 77.2035% | 458 |
Net loans and leases to deposits | 89.2116% | 646 |
Net loans and leases to core deposits | 94.4654% | 811 |
Total domestic deposits to total assets | 86.5398% | 2,539 |
Equity capital to assets | 9.6559% | 3,242 |
Core capital (leverage) ratio | 9.3246% | 3,193 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3182% | 2,611 |
Memoranda: | ||
Average total assets | $512,611,000 | 1,687 |
Average earning assets | $473,699,500 | 1,690 |
Average equity | $48,948,500 | 1,820 |
Average total loans | $400,175,750 | 1,405 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7751% | 482 |
Cost of funding earning assets | 0.4456% | 1,552 |
Net interest margin | 4.3294% | 466 |
Noninterest income to average assets | 0.6661% | 1,948 |
Noninterest expense to average assets | 2.5360% | 2,034 |
Loan and lease loss provision to assets | 0.2499% | 395 |
Net operating income to assets | 1.8731% | 618 |
Return on assets (ROA) | 1.8731% | 646 |
Pretax return on assets | 1.8731% | 1,071 |
Return on Equity (ROE) | 19.6967% | 479 |
Retained earnings to average equity (ytd only) | 12.4234% | 827 |
Net charge-offs to loans | -0.0031% | 3,296 |
Credit loss provision to net charge-offs | -10,416.6667% | 4,054 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.4323% | 3,748 |
Assets per employee ($millions) | 6.2077% | 2,424 |
Cash dividends to net income (ytd only)* | 36.9264% | 1,748 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2203% | 2,817 |
Loan loss allowance to noncurrent loans | 1,191.0798% | 654 |
Noncurrent assets plus other real estate owned to assets | 0.0807% | 3,670 |
Noncurrent loans to loans | 0.1025% | 3,671 |
Net loans and leases to total assets | 77.8396% | 455 |
Net loans and leases to deposits | 91.9010% | 542 |
Net loans and leases to core deposits | 97.5056% | 741 |
Total domestic deposits to total assets | 84.6994% | 3,220 |
Equity capital to assets | 9.3569% | 3,462 |
Core capital (leverage) ratio | 8.9237% | 3,546 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4333% | 2,877 |
Memoranda: | ||
Average total assets | $500,243,000 | 1,716 |
Average earning assets | $461,352,333 | 1,718 |
Average equity | $47,571,333 | 1,846 |
Average total loans | $390,316,333 | 1,438 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9359% | 392 |
Cost of funding earning assets | 0.4622% | 1,638 |
Net interest margin | 4.4737% | 375 |
Noninterest income to average assets | 0.6659% | 1,971 |
Noninterest expense to average assets | 2.6399% | 1,767 |
Loan and lease loss provision to assets | 0.2549% | 405 |
Net operating income to assets | 1.8852% | 684 |
Return on assets (ROA) | 1.8852% | 734 |
Pretax return on assets | 1.8852% | 1,142 |
Return on Equity (ROE) | 19.6525% | 558 |
Retained earnings to average equity (ytd only) | 9.9676% | 1,652 |
Net charge-offs to loans | -0.0170% | 3,915 |
Credit loss provision to net charge-offs | -1,937.5000% | 3,539 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.2288% | 3,645 |
Assets per employee ($millions) | 6.1699% | 2,437 |
Cash dividends to net income (ytd only)* | 49.2804% | 1,126 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2214% | 2,807 |
Loan loss allowance to noncurrent loans | 1,078.9593% | 623 |
Noncurrent assets plus other real estate owned to assets | 0.0884% | 3,747 |
Noncurrent loans to loans | 0.1132% | 3,742 |
Net loans and leases to total assets | 77.1769% | 528 |
Net loans and leases to deposits | 92.4882% | 565 |
Net loans and leases to core deposits | 98.6084% | 774 |
Total domestic deposits to total assets | 83.4451% | 3,581 |
Equity capital to assets | 9.3663% | 3,313 |
Core capital (leverage) ratio | 9.1999% | 3,388 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8809% | 2,712 |
Memoranda: | ||
Average total assets | $486,538,500 | 1,736 |
Average earning assets | $447,413,000 | 1,749 |
Average equity | $46,671,000 | 1,867 |
Average total loans | $377,576,500 | 1,470 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4387% | 1,467 |
Cost of funding earning assets | 0.7020% | 1,708 |
Net interest margin | 3.7367% | 1,684 |
Noninterest income to average assets | 0.8625% | 1,367 |
Noninterest expense to average assets | 2.8445% | 1,831 |
Loan and lease loss provision to assets | 0.2171% | 1,808 |
Net operating income to assets | 1.2280% | 1,453 |
Return on assets (ROA) | 1.2938% | 1,369 |
Pretax return on assets | 1.2938% | 1,998 |
Return on Equity (ROE) | 13.5686% | 906 |
Retained earnings to average equity (ytd only) | 10.3062% | 534 |
Net charge-offs to loans | 0.0209% | 2,643 |
Credit loss provision to net charge-offs | 1,385.7143% | 605 |
Earnings coverage of net charge-offs (x) | 92.2429% | 829 |
Efficiency ratio | 66.3119% | 2,483 |
Assets per employee ($millions) | 5.9165% | 2,419 |
Cash dividends to net income (ytd only)* | 24.0443% | 3,095 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2183% | 2,852 |
Loan loss allowance to noncurrent loans | 963.7744% | 679 |
Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,825 |
Noncurrent loans to loans | 0.1264% | 3,778 |
Net loans and leases to total assets | 76.1100% | 780 |
Net loans and leases to deposits | 92.3733% | 757 |
Net loans and leases to core deposits | 98.0894% | 1,003 |
Total domestic deposits to total assets | 82.3940% | 3,566 |
Equity capital to assets | 9.8313% | 3,282 |
Core capital (leverage) ratio | 9.3659% | 3,264 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4133% | 2,481 |
Memoranda: | ||
Average total assets | $446,834,000 | 1,714 |
Average earning assets | $409,804,600 | 1,736 |
Average equity | $42,605,600 | 1,920 |
Average total loans | $334,569,800 | 1,561 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5250% | 1,511 |
Cost of funding earning assets | 0.7643% | 1,655 |
Net interest margin | 3.7607% | 1,733 |
Noninterest income to average assets | 0.8741% | 1,299 |
Noninterest expense to average assets | 2.9067% | 1,687 |
Loan and lease loss provision to assets | 0.1938% | 2,038 |
Net operating income to assets | 1.2236% | 1,571 |
Return on assets (ROA) | 1.3127% | 1,417 |
Pretax return on assets | 1.3127% | 1,999 |
Return on Equity (ROE) | 13.8828% | 898 |
Retained earnings to average equity (ytd only) | 10.4905% | 674 |
Net charge-offs to loans | 0.0155% | 2,572 |
Credit loss provision to net charge-offs | 1,684.2105% | 563 |
Earnings coverage of net charge-offs (x) | 123.1579% | 686 |
Efficiency ratio | 67.2200% | 2,286 |
Assets per employee ($millions) | 5.6222% | 2,609 |
Cash dividends to net income (ytd only)* | 24.4347% | 2,602 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2287% | 2,510 |
Loan loss allowance to noncurrent loans | 1,079.4271% | 552 |
Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,019 |
Noncurrent loans to loans | 0.1138% | 3,917 |
Net loans and leases to total assets | 72.2772% | 1,624 |
Net loans and leases to deposits | 85.3318% | 1,774 |
Net loans and leases to core deposits | 90.5906% | 1,920 |
Total domestic deposits to total assets | 84.7014% | 2,551 |
Equity capital to assets | 9.7872% | 3,441 |
Core capital (leverage) ratio | 9.2737% | 3,480 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1431% | 2,135 |
Memoranda: | ||
Average total assets | $440,213,500 | 1,709 |
Average earning assets | $403,852,250 | 1,726 |
Average equity | $41,623,750 | 1,947 |
Average total loans | $327,041,250 | 1,585 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6425% | 1,556 |
Cost of funding earning assets | 0.8276% | 1,688 |
Net interest margin | 3.8148% | 1,796 |
Noninterest income to average assets | 0.8812% | 1,215 |
Noninterest expense to average assets | 3.0844% | 1,385 |
Loan and lease loss provision to assets | 0.1569% | 2,429 |
Net operating income to assets | 1.1355% | 1,857 |
Return on assets (ROA) | 1.2712% | 1,553 |
Pretax return on assets | 1.2712% | 2,128 |
Return on Equity (ROE) | 13.6141% | 950 |
Retained earnings to average equity (ytd only) | 10.3811% | 715 |
Net charge-offs to loans | 0.0087% | 2,638 |
Credit loss provision to net charge-offs | 2,428.5714% | 418 |
Earnings coverage of net charge-offs (x) | 200.0000% | 450 |
Efficiency ratio | 70.4704% | 1,895 |
Assets per employee ($millions) | 5.4590% | 2,679 |
Cash dividends to net income (ytd only)* | 23.7473% | 2,605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1692% | 2,673 |
Loan loss allowance to noncurrent loans | 689.6613% | 761 |
Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,904 |
Noncurrent loans to loans | 0.1695% | 3,772 |
Net loans and leases to total assets | 73.0606% | 1,545 |
Net loans and leases to deposits | 86.3106% | 1,729 |
Net loans and leases to core deposits | 91.7288% | 1,927 |
Total domestic deposits to total assets | 84.6484% | 2,520 |
Equity capital to assets | 9.7696% | 3,405 |
Core capital (leverage) ratio | 9.5266% | 3,323 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2165% | 2,096 |
Memoranda: | ||
Average total assets | $433,277,333 | 1,702 |
Average earning assets | $397,031,667 | 1,723 |
Average equity | $40,458,000 | 1,976 |
Average total loans | $323,602,000 | 1,578 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5476% | 2,164 |
Cost of funding earning assets | 0.9907% | 1,460 |
Net interest margin | 3.5569% | 2,798 |
Noninterest income to average assets | 0.9228% | 1,018 |
Noninterest expense to average assets | 3.0237% | 1,830 |
Loan and lease loss provision to assets | 0.1127% | 2,275 |
Net operating income to assets | 1.0458% | 2,019 |
Return on assets (ROA) | 1.3218% | 1,279 |
Pretax return on assets | 1.3218% | 1,807 |
Return on Equity (ROE) | 14.5078% | 609 |
Retained earnings to average equity (ytd only) | 9.3559% | 883 |
Net charge-offs to loans | 0.0300% | 1,780 |
Credit loss provision to net charge-offs | 500.0000% | 869 |
Earnings coverage of net charge-offs (x) | 51.4167% | 879 |
Efficiency ratio | 72.3008% | 2,038 |
Assets per employee ($millions) | 5.0708% | 2,570 |
Cash dividends to net income (ytd only)* | 35.5114% | 2,001 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1339% | 3,021 |
Loan loss allowance to noncurrent loans | 119.1552% | 2,965 |
Noncurrent assets plus other real estate owned to assets | 0.7345% | 1,834 |
Noncurrent loans to loans | 0.9516% | 1,727 |
Net loans and leases to total assets | 76.3100% | 1,247 |
Net loans and leases to deposits | 90.8058% | 1,421 |
Net loans and leases to core deposits | 97.4685% | 1,684 |
Total domestic deposits to total assets | 84.0365% | 2,778 |
Equity capital to assets | 9.1024% | 4,535 |
Core capital (leverage) ratio | 9.1896% | 4,286 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5948% | 2,441 |
Memoranda: | ||
Average total assets | $426,095,000 | 1,688 |
Average earning assets | $390,450,000 | 1,703 |
Average equity | $38,820,500 | 2,031 |
Average total loans | $319,943,500 | 1,561 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5603% | 2,747 |
Cost of funding earning assets | 1.1193% | 1,261 |
Net interest margin | 3.4410% | 3,624 |
Noninterest income to average assets | 0.9765% | 1,023 |
Noninterest expense to average assets | 3.1072% | 1,739 |
Loan and lease loss provision to assets | 0.0908% | 2,209 |
Net operating income to assets | 0.9250% | 3,109 |
Return on assets (ROA) | 0.9631% | 3,058 |
Pretax return on assets | 0.9631% | 3,565 |
Return on Equity (ROE) | 10.4827% | 2,090 |
Retained earnings to average equity (ytd only) | 9.0373% | 698 |
Net charge-offs to loans | 0.1799% | 1,118 |
Credit loss provision to net charge-offs | 68.8845% | 2,926 |
Earnings coverage of net charge-offs (x) | 7.7084% | 2,851 |
Efficiency ratio | 75.3643% | 1,437 |
Assets per employee ($millions) | 5.4548% | 2,101 |
Cash dividends to net income (ytd only)* | 13.7885% | 3,662 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1108% | 2,886 |
Loan loss allowance to noncurrent loans | 138.0748% | 2,731 |
Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,134 |
Noncurrent loans to loans | 0.8045% | 1,903 |
Net loans and leases to total assets | 72.2766% | 2,047 |
Net loans and leases to deposits | 90.2477% | 1,561 |
Net loans and leases to core deposits | 96.3607% | 1,872 |
Total domestic deposits to total assets | 80.0869% | 3,961 |
Equity capital to assets | 9.1188% | 4,628 |
Core capital (leverage) ratio | 9.3709% | 4,198 |
Tier 1 risk-based capital ratio | 12.1474% | 4,275 |
Total risk-based capital ratio | 13.2747% | 4,222 |
Memoranda: | ||
Average total assets | $387,803,600 | 1,775 |
Average earning assets | $354,602,400 | 1,798 |
Average equity | $35,630,200 | 2,113 |
Average total loans | $283,995,800 | 1,671 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5648% | 2,847 |
Cost of funding earning assets | 1.1433% | 1,197 |
Net interest margin | 3.4215% | 3,806 |
Noninterest income to average assets | 0.9888% | 959 |
Noninterest expense to average assets | 3.1780% | 1,509 |
Loan and lease loss provision to assets | 0.0958% | 1,997 |
Net operating income to assets | 0.8387% | 3,550 |
Return on assets (ROA) | 0.8912% | 3,456 |
Pretax return on assets | 0.8912% | 3,898 |
Return on Equity (ROE) | 9.6790% | 2,584 |
Retained earnings to average equity (ytd only) | 8.1757% | 1,322 |
Net charge-offs to loans | 0.2349% | 759 |
Credit loss provision to net charge-offs | 55.6701% | 2,745 |
Earnings coverage of net charge-offs (x) | 5.4289% | 2,922 |
Efficiency ratio | 77.2763% | 1,182 |
Assets per employee ($millions) | 4.6409% | 2,984 |
Cash dividends to net income (ytd only)* | 15.5317% | 3,204 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1993% | 2,512 |
Loan loss allowance to noncurrent loans | 114.7039% | 3,085 |
Noncurrent assets plus other real estate owned to assets | 0.7798% | 1,762 |
Noncurrent loans to loans | 1.0455% | 1,532 |
Net loans and leases to total assets | 73.6921% | 1,873 |
Net loans and leases to deposits | 90.3100% | 1,664 |
Net loans and leases to core deposits | 96.7686% | 1,938 |
Total domestic deposits to total assets | 81.5990% | 3,587 |
Equity capital to assets | 9.4012% | 4,529 |
Core capital (leverage) ratio | 9.3251% | 4,349 |
Tier 1 risk-based capital ratio | 12.2245% | 4,298 |
Total risk-based capital ratio | 13.4404% | 4,203 |
Memoranda: | ||
Average total assets | $375,658,000 | 1,835 |
Average earning assets | $342,963,000 | 1,853 |
Average equity | $34,589,500 | 2,173 |
Average total loans | $275,257,750 | 1,724 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5256% | 2,934 |
Cost of funding earning assets | 1.1563% | 1,116 |
Net interest margin | 3.3692% | 3,991 |
Noninterest income to average assets | 0.9867% | 895 |
Noninterest expense to average assets | 3.1229% | 1,675 |
Loan and lease loss provision to assets | 0.0809% | 2,219 |
Net operating income to assets | 0.8605% | 3,428 |
Return on assets (ROA) | 0.8950% | 3,370 |
Pretax return on assets | 0.8950% | 3,862 |
Return on Equity (ROE) | 9.7926% | 2,485 |
Retained earnings to average equity (ytd only) | 8.2884% | 1,282 |
Net charge-offs to loans | 0.1755% | 931 |
Credit loss provision to net charge-offs | 63.2911% | 2,380 |
Earnings coverage of net charge-offs (x) | 7.3671% | 2,496 |
Efficiency ratio | 76.8374% | 1,294 |
Assets per employee ($millions) | 4.4084% | 3,276 |
Cash dividends to net income (ytd only)* | 15.3614% | 3,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3130% | 1,954 |
Loan loss allowance to noncurrent loans | 114.9809% | 3,088 |
Noncurrent assets plus other real estate owned to assets | 0.8390% | 1,679 |
Noncurrent loans to loans | 1.1419% | 1,422 |
Net loans and leases to total assets | 72.5131% | 2,146 |
Net loans and leases to deposits | 84.4900% | 2,435 |
Net loans and leases to core deposits | 90.3936% | 2,566 |
Total domestic deposits to total assets | 85.8245% | 2,125 |
Equity capital to assets | 9.5079% | 4,395 |
Core capital (leverage) ratio | 9.3474% | 4,310 |
Tier 1 risk-based capital ratio | 12.5361% | 4,106 |
Total risk-based capital ratio | 13.7871% | 3,998 |
Memoranda: | ||
Average total assets | $370,933,000 | 1,864 |
Average earning assets | $338,829,670 | 1,873 |
Average equity | $33,903,000 | 2,203 |
Average total loans | $270,089,330 | 1,754 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4326% | 3,108 |
Cost of funding earning assets | 1.1337% | 1,081 |
Net interest margin | 3.2989% | 4,166 |
Noninterest income to average assets | 0.9755% | 868 |
Noninterest expense to average assets | 3.0284% | 1,908 |
Loan and lease loss provision to assets | 0.1301% | 1,345 |
Net operating income to assets | 0.8292% | 3,519 |
Return on assets (ROA) | 0.8985% | 3,295 |
Pretax return on assets | 0.8985% | 3,774 |
Return on Equity (ROE) | 10.0360% | 2,355 |
Retained earnings to average equity (ytd only) | 8.4622% | 1,505 |
Net charge-offs to loans | 0.0658% | 1,389 |
Credit loss provision to net charge-offs | 272.7273% | 876 |
Earnings coverage of net charge-offs (x) | 20.1136% | 1,570 |
Efficiency ratio | 75.9446% | 1,506 |
Assets per employee ($millions) | 4.4583% | 3,245 |
Cash dividends to net income (ytd only)* | 15.6815% | 2,560 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3954% | 1,694 |
Loan loss allowance to noncurrent loans | 74.1366% | 3,799 |
Noncurrent assets plus other real estate owned to assets | 1.3771% | 919 |
Noncurrent loans to loans | 1.8822% | 809 |
Net loans and leases to total assets | 72.1451% | 2,130 |
Net loans and leases to deposits | 83.3345% | 2,465 |
Net loans and leases to core deposits | 87.2401% | 2,760 |
Total domestic deposits to total assets | 86.5729% | 2,021 |
Equity capital to assets | 9.1149% | 4,605 |
Core capital (leverage) ratio | 9.1580% | 4,514 |
Tier 1 risk-based capital ratio | 12.5988% | 4,103 |
Total risk-based capital ratio | 13.8510% | 3,982 |
Memoranda: | ||
Average total assets | $369,044,500 | 1,882 |
Average earning assets | $336,956,000 | 1,892 |
Average equity | $33,041,000 | 2,249 |
Average total loans | $267,469,500 | 1,768 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3678% | 2,871 |
Cost of funding earning assets | 0.8403% | 1,346 |
Net interest margin | 3.5275% | 3,609 |
Noninterest income to average assets | 1.0210% | 905 |
Noninterest expense to average assets | 3.2636% | 1,409 |
Loan and lease loss provision to assets | 0.1285% | 1,711 |
Net operating income to assets | 0.8556% | 3,591 |
Return on assets (ROA) | 0.8590% | 3,575 |
Pretax return on assets | 0.8590% | 4,014 |
Return on Equity (ROE) | 9.6008% | 2,691 |
Retained earnings to average equity (ytd only) | 7.2950% | 1,540 |
Net charge-offs to loans | 0.0920% | 1,852 |
Credit loss provision to net charge-offs | 199.5556% | 1,445 |
Earnings coverage of net charge-offs (x) | 15.2844% | 2,335 |
Efficiency ratio | 76.8324% | 1,251 |
Assets per employee ($millions) | 4.2796% | 3,492 |
Cash dividends to net income (ytd only)* | 24.0173% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4012% | 1,634 |
Loan loss allowance to noncurrent loans | 152.4084% | 2,685 |
Noncurrent assets plus other real estate owned to assets | 0.9018% | 1,540 |
Noncurrent loans to loans | 0.9194% | 1,744 |
Net loans and leases to total assets | 70.7768% | 2,447 |
Net loans and leases to deposits | 81.8557% | 2,754 |
Net loans and leases to core deposits | 87.1004% | 2,825 |
Total domestic deposits to total assets | 86.4653% | 2,031 |
Equity capital to assets | 8.7905% | 4,741 |
Core capital (leverage) ratio | 9.3261% | 4,330 |
Tier 1 risk-based capital ratio | 12.6937% | 4,016 |
Total risk-based capital ratio | 13.9459% | 3,903 |
Memoranda: | ||
Average total assets | $349,462,600 | 1,921 |
Average earning assets | $319,656,400 | 1,928 |
Average equity | $31,268,200 | 2,265 |
Average total loans | $244,635,200 | 1,857 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2991% | 2,967 |
Cost of funding earning assets | 0.7908% | 1,383 |
Net interest margin | 3.5082% | 3,670 |
Noninterest income to average assets | 1.0254% | 910 |
Noninterest expense to average assets | 3.2685% | 1,372 |
Loan and lease loss provision to assets | 0.1214% | 1,660 |
Net operating income to assets | 0.8518% | 3,731 |
Return on assets (ROA) | 0.8565% | 3,717 |
Pretax return on assets | 0.8565% | 4,152 |
Return on Equity (ROE) | 9.5276% | 2,833 |
Retained earnings to average equity (ytd only) | 7.0199% | 2,118 |
Net charge-offs to loans | 0.0879% | 1,624 |
Credit loss provision to net charge-offs | 198.7342% | 1,391 |
Earnings coverage of net charge-offs (x) | 15.9305% | 2,194 |
Efficiency ratio | 77.0556% | 1,218 |
Assets per employee ($millions) | 4.0674% | 3,788 |
Cash dividends to net income (ytd only)* | 26.3204% | 2,730 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4509% | 1,521 |
Loan loss allowance to noncurrent loans | 140.4173% | 2,878 |
Noncurrent assets plus other real estate owned to assets | 1.0228% | 1,420 |
Noncurrent loans to loans | 1.0333% | 1,657 |
Net loans and leases to total assets | 71.3935% | 2,428 |
Net loans and leases to deposits | 80.5598% | 2,976 |
Net loans and leases to core deposits | 85.6248% | 3,034 |
Total domestic deposits to total assets | 88.6217% | 994 |
Equity capital to assets | 9.0068% | 4,545 |
Core capital (leverage) ratio | 9.3473% | 4,340 |
Tier 1 risk-based capital ratio | 13.1253% | 3,835 |
Total risk-based capital ratio | 14.3781% | 3,739 |
Memoranda: | ||
Average total assets | $344,816,500 | 1,945 |
Average earning assets | $316,123,500 | 1,952 |
Average equity | $30,997,000 | 2,282 |
Average total loans | $239,745,500 | 1,892 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2110% | 3,083 |
Cost of funding earning assets | 0.7422% | 1,417 |
Net interest margin | 3.4688% | 3,737 |
Noninterest income to average assets | 0.9561% | 1,036 |
Noninterest expense to average assets | 3.1981% | 1,538 |
Loan and lease loss provision to assets | 0.1196% | 1,652 |
Net operating income to assets | 0.8209% | 3,786 |
Return on assets (ROA) | 0.8209% | 3,792 |
Pretax return on assets | 0.8209% | 4,189 |
Return on Equity (ROE) | 9.1374% | 2,957 |
Retained earnings to average equity (ytd only) | 7.4702% | 1,856 |
Net charge-offs to loans | 0.0965% | 1,389 |
Credit loss provision to net charge-offs | 180.7018% | 1,403 |
Earnings coverage of net charge-offs (x) | 14.2105% | 2,110 |
Efficiency ratio | 77.2759% | 1,277 |
Assets per employee ($millions) | 4.1895% | 3,595 |
Cash dividends to net income (ytd only)* | 18.2461% | 3,050 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4743% | 1,473 |
Loan loss allowance to noncurrent loans | 104.8150% | 3,392 |
Noncurrent assets plus other real estate owned to assets | 1.2817% | 1,107 |
Noncurrent loans to loans | 1.4065% | 1,202 |
Net loans and leases to total assets | 69.4491% | 2,660 |
Net loans and leases to deposits | 77.3959% | 3,214 |
Net loans and leases to core deposits | 81.9801% | 3,241 |
Total domestic deposits to total assets | 89.7322% | 655 |
Equity capital to assets | 9.0868% | 4,494 |
Core capital (leverage) ratio | 9.3449% | 4,308 |
Tier 1 risk-based capital ratio | 13.4010% | 3,672 |
Total risk-based capital ratio | 14.6549% | 3,589 |
Memoranda: | ||
Average total assets | $344,512,330 | 1,954 |
Average earning assets | $316,073,330 | 1,963 |
Average equity | $30,949,670 | 2,291 |
Average total loans | $236,173,330 | 1,914 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1058% | 3,218 |
Cost of funding earning assets | 0.6885% | 1,506 |
Net interest margin | 3.4173% | 3,828 |
Noninterest income to average assets | 0.9415% | 1,045 |
Noninterest expense to average assets | 3.1200% | 1,772 |
Loan and lease loss provision to assets | 0.1136% | 1,664 |
Net operating income to assets | 0.8499% | 3,504 |
Return on assets (ROA) | 0.8499% | 3,522 |
Pretax return on assets | 0.8499% | 4,008 |
Return on Equity (ROE) | 9.5145% | 2,671 |
Retained earnings to average equity (ytd only) | 7.8011% | 1,918 |
Net charge-offs to loans | 0.0995% | 1,189 |
Credit loss provision to net charge-offs | 168.9655% | 1,158 |
Earnings coverage of net charge-offs (x) | 14.3276% | 1,716 |
Efficiency ratio | 76.4055% | 1,539 |
Assets per employee ($millions) | 4.2991% | 3,491 |
Cash dividends to net income (ytd only)* | 18.0082% | 2,442 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4937% | 1,485 |
Loan loss allowance to noncurrent loans | 77.9008% | 3,879 |
Noncurrent assets plus other real estate owned to assets | 1.6615% | 789 |
Noncurrent loans to loans | 1.9174% | 851 |
Net loans and leases to total assets | 68.3132% | 2,724 |
Net loans and leases to deposits | 75.8785% | 3,224 |
Net loans and leases to core deposits | 79.9100% | 3,332 |
Total domestic deposits to total assets | 90.0297% | 647 |
Equity capital to assets | 8.9905% | 4,566 |
Core capital (leverage) ratio | 9.1853% | 4,451 |
Tier 1 risk-based capital ratio | 13.4260% | 3,704 |
Total risk-based capital ratio | 14.6800% | 3,612 |
Memoranda: | ||
Average total assets | $344,998,000 | 1,968 |
Average earning assets | $317,212,500 | 1,972 |
Average equity | $30,816,000 | 2,317 |
Average total loans | $233,182,000 | 1,941 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1332% | 2,939 |
Cost of funding earning assets | 0.5668% | 1,842 |
Net interest margin | 3.5664% | 3,278 |
Noninterest income to average assets | 1.0033% | 1,012 |
Noninterest expense to average assets | 3.1361% | 1,758 |
Loan and lease loss provision to assets | 0.0715% | 2,777 |
Net operating income to assets | 1.0681% | 1,982 |
Return on assets (ROA) | 1.0708% | 1,997 |
Pretax return on assets | 1.0708% | 3,300 |
Return on Equity (ROE) | 11.8503% | 1,253 |
Retained earnings to average equity (ytd only) | 7.6568% | 875 |
Net charge-offs to loans | 0.0783% | 2,326 |
Credit loss provision to net charge-offs | 135.4651% | 1,952 |
Earnings coverage of net charge-offs (x) | 21.5930% | 1,892 |
Efficiency ratio | 73.3477% | 2,008 |
Assets per employee ($millions) | 4.2728% | 3,534 |
Cash dividends to net income (ytd only)* | 35.3868% | 3,062 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5067% | 1,387 |
Loan loss allowance to noncurrent loans | 93.1940% | 3,658 |
Noncurrent assets plus other real estate owned to assets | 1.4031% | 999 |
Noncurrent loans to loans | 1.6167% | 1,029 |
Net loans and leases to total assets | 64.8910% | 3,248 |
Net loans and leases to deposits | 74.7306% | 3,454 |
Net loans and leases to core deposits | 78.7597% | 3,526 |
Total domestic deposits to total assets | 86.8333% | 2,072 |
Equity capital to assets | 8.8758% | 4,837 |
Core capital (leverage) ratio | 9.0572% | 4,576 |
Tier 1 risk-based capital ratio | 13.1655% | 3,810 |
Total risk-based capital ratio | 14.4185% | 3,727 |
Memoranda: | ||
Average total assets | $325,918,800 | 2,034 |
Average earning assets | $299,039,200 | 2,046 |
Average equity | $29,450,800 | 2,394 |
Average total loans | $219,650,400 | 2,001 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1345% | 2,856 |
Cost of funding earning assets | 0.5550% | 1,856 |
Net interest margin | 3.5794% | 3,226 |
Noninterest income to average assets | 1.0314% | 958 |
Noninterest expense to average assets | 3.1377% | 1,704 |
Loan and lease loss provision to assets | 0.0800% | 2,485 |
Net operating income to assets | 1.0965% | 2,105 |
Return on assets (ROA) | 1.1002% | 2,142 |
Pretax return on assets | 1.1002% | 3,299 |
Return on Equity (ROE) | 12.1167% | 1,309 |
Retained earnings to average equity (ytd only) | 6.9284% | 1,729 |
Net charge-offs to loans | 0.0012% | 3,739 |
Credit loss provision to net charge-offs | 9,600.0000% | 48 |
Earnings coverage of net charge-offs (x) | 1,409.2022% | 70 |
Efficiency ratio | 72.7290% | 2,090 |
Assets per employee ($millions) | 4.0254% | 3,948 |
Cash dividends to net income (ytd only)* | 42.8193% | 2,143 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5803% | 1,283 |
Loan loss allowance to noncurrent loans | 91.8747% | 3,680 |
Noncurrent assets plus other real estate owned to assets | 1.5792% | 945 |
Noncurrent loans to loans | 1.7201% | 1,050 |
Net loans and leases to total assets | 68.8941% | 2,711 |
Net loans and leases to deposits | 79.1454% | 3,053 |
Net loans and leases to core deposits | 83.6512% | 3,160 |
Total domestic deposits to total assets | 87.0475% | 1,853 |
Equity capital to assets | 9.4292% | 4,510 |
Core capital (leverage) ratio | 9.1668% | 4,554 |
Tier 1 risk-based capital ratio | 13.2150% | 3,868 |
Total risk-based capital ratio | 14.4691% | 3,784 |
Memoranda: | ||
Average total assets | $319,806,250 | 2,075 |
Average earning assets | $293,300,250 | 2,091 |
Average equity | $29,039,000 | 2,447 |
Average total loans | $216,854,000 | 2,032 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1107% | 2,792 |
Cost of funding earning assets | 0.5426% | 1,823 |
Net interest margin | 3.5681% | 3,153 |
Noninterest income to average assets | 1.0594% | 897 |
Noninterest expense to average assets | 3.1399% | 1,735 |
Loan and lease loss provision to assets | 0.0900% | 2,179 |
Net operating income to assets | 1.0997% | 1,976 |
Return on assets (ROA) | 1.1016% | 2,015 |
Pretax return on assets | 1.1016% | 3,173 |
Return on Equity (ROE) | 12.2935% | 1,212 |
Retained earnings to average equity (ytd only) | 6.8141% | 1,682 |
Net charge-offs to loans | 0.0657% | 1,991 |
Credit loss provision to net charge-offs | 204.2857% | 1,254 |
Earnings coverage of net charge-offs (x) | 27.0000% | 1,557 |
Efficiency ratio | 72.5211% | 2,261 |
Assets per employee ($millions) | 3.9096% | 4,120 |
Cash dividends to net income (ytd only)* | 44.5714% | 2,110 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6013% | 1,256 |
Loan loss allowance to noncurrent loans | 81.6183% | 3,916 |
Noncurrent assets plus other real estate owned to assets | 1.7027% | 840 |
Noncurrent loans to loans | 1.9620% | 864 |
Net loans and leases to total assets | 66.0881% | 3,091 |
Net loans and leases to deposits | 75.9870% | 3,348 |
Net loans and leases to core deposits | 78.7081% | 3,530 |
Total domestic deposits to total assets | 86.9729% | 1,969 |
Equity capital to assets | 9.3339% | 4,581 |
Core capital (leverage) ratio | 9.1200% | 4,587 |
Tier 1 risk-based capital ratio | 13.4362% | 3,726 |
Total risk-based capital ratio | 14.6907% | 3,644 |
Memoranda: | ||
Average total assets | $317,721,670 | 2,091 |
Average earning assets | $291,191,670 | 2,108 |
Average equity | $28,470,330 | 2,469 |
Average total loans | $213,057,670 | 2,064 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0784% | 2,734 |
Cost of funding earning assets | 0.5094% | 2,012 |
Net interest margin | 3.5689% | 3,012 |
Noninterest income to average assets | 1.1936% | 718 |
Noninterest expense to average assets | 3.1813% | 1,661 |
Loan and lease loss provision to assets | 0.1171% | 1,634 |
Net operating income to assets | 1.1669% | 1,607 |
Return on assets (ROA) | 1.1707% | 1,630 |
Pretax return on assets | 1.1707% | 2,706 |
Return on Equity (ROE) | 13.3520% | 932 |
Retained earnings to average equity (ytd only) | 3.9185% | 3,489 |
Net charge-offs to loans | 0.0114% | 2,594 |
Credit loss provision to net charge-offs | 1,533.3333% | 211 |
Earnings coverage of net charge-offs (x) | 168.1667% | 325 |
Efficiency ratio | 71.2454% | 2,694 |
Assets per employee ($millions) | 3.9076% | 4,171 |
Cash dividends to net income (ytd only)* | 70.6522% | 1,150 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6356% | 1,297 |
Loan loss allowance to noncurrent loans | 91.5817% | 3,773 |
Noncurrent assets plus other real estate owned to assets | 1.5835% | 983 |
Noncurrent loans to loans | 1.7859% | 1,053 |
Net loans and leases to total assets | 65.7481% | 3,011 |
Net loans and leases to deposits | 74.0743% | 3,393 |
Net loans and leases to core deposits | 76.2742% | 3,629 |
Total domestic deposits to total assets | 88.7597% | 1,284 |
Equity capital to assets | 8.7225% | 5,057 |
Core capital (leverage) ratio | 9.0979% | 4,622 |
Tier 1 risk-based capital ratio | 13.2127% | 3,940 |
Total risk-based capital ratio | 14.4673% | 3,855 |
Memoranda: | ||
Average total assets | $314,335,500 | 2,126 |
Average earning assets | $288,155,500 | 2,143 |
Average equity | $27,561,500 | 2,541 |
Average total loans | $210,615,500 | 2,093 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2037% | 2,476 |
Cost of funding earning assets | 0.5040% | 2,059 |
Net interest margin | 3.6997% | 2,695 |
Noninterest income to average assets | 0.9672% | 1,218 |
Noninterest expense to average assets | 3.3548% | 1,456 |
Loan and lease loss provision to assets | -0.0311% | 5,536 |
Net operating income to assets | 1.0432% | 2,168 |
Return on assets (ROA) | 1.0736% | 2,121 |
Pretax return on assets | 1.0736% | 3,203 |
Return on Equity (ROE) | 11.3188% | 1,459 |
Retained earnings to average equity (ytd only) | 7.4007% | 1,079 |
Net charge-offs to loans | -0.1102% | 5,616 |
Credit loss provision to net charge-offs | 42.7273% | 3,468 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8230% | 1,876 |
Assets per employee ($millions) | 3.9018% | 4,138 |
Cash dividends to net income (ytd only)* | 34.6154% | 3,138 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6503% | 1,254 |
Loan loss allowance to noncurrent loans | 89.3333% | 3,838 |
Noncurrent assets plus other real estate owned to assets | 1.6574% | 944 |
Noncurrent loans to loans | 1.8473% | 1,021 |
Net loans and leases to total assets | 66.0634% | 3,067 |
Net loans and leases to deposits | 74.6801% | 3,451 |
Net loans and leases to core deposits | 77.2259% | 3,632 |
Total domestic deposits to total assets | 88.4618% | 1,396 |
Equity capital to assets | 8.8157% | 4,997 |
Core capital (leverage) ratio | 9.1095% | 4,604 |
Tier 1 risk-based capital ratio | 13.6283% | 3,692 |
Total risk-based capital ratio | 14.8835% | 3,589 |
Memoranda: | ||
Average total assets | $302,733,000 | 2,151 |
Average earning assets | $278,184,600 | 2,165 |
Average equity | $28,713,400 | 2,472 |
Average total loans | $199,711,200 | 2,125 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2183% | 2,450 |
Cost of funding earning assets | 0.5036% | 2,072 |
Net interest margin | 3.7147% | 2,665 |
Noninterest income to average assets | 0.9826% | 1,183 |
Noninterest expense to average assets | 3.3638% | 1,425 |
Loan and lease loss provision to assets | 0.1394% | 1,684 |
Net operating income to assets | 0.8964% | 2,923 |
Return on assets (ROA) | 1.0517% | 2,318 |
Pretax return on assets | 1.0517% | 3,423 |
Return on Equity (ROE) | 10.8915% | 1,709 |
Retained earnings to average equity (ytd only) | 6.7677% | 1,745 |
Net charge-offs to loans | 0.1354% | 1,621 |
Credit loss provision to net charge-offs | 156.7164% | 1,725 |
Earnings coverage of net charge-offs (x) | 11.6469% | 2,465 |
Efficiency ratio | 76.4582% | 1,909 |
Assets per employee ($millions) | 4.0627% | 3,852 |
Cash dividends to net income (ytd only)* | 37.8629% | 2,444 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7157% | 1,182 |
Loan loss allowance to noncurrent loans | 112.4505% | 3,373 |
Noncurrent assets plus other real estate owned to assets | 1.4155% | 1,305 |
Noncurrent loans to loans | 1.5257% | 1,419 |
Net loans and leases to total assets | 64.0161% | 3,400 |
Net loans and leases to deposits | 74.7932% | 3,522 |
Net loans and leases to core deposits | 76.8861% | 3,762 |
Total domestic deposits to total assets | 85.5907% | 2,560 |
Equity capital to assets | 9.7863% | 4,373 |
Core capital (leverage) ratio | 9.1772% | 4,623 |
Tier 1 risk-based capital ratio | 13.7788% | 3,682 |
Total risk-based capital ratio | 15.0346% | 3,609 |
Memoranda: | ||
Average total assets | $301,355,000 | 2,169 |
Average earning assets | $277,200,000 | 2,179 |
Average equity | $29,098,250 | 2,451 |
Average total loans | $197,875,500 | 2,138 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2434% | 2,353 |
Cost of funding earning assets | 0.5060% | 2,054 |
Net interest margin | 3.7374% | 2,563 |
Noninterest income to average assets | 0.9732% | 1,192 |
Noninterest expense to average assets | 3.3720% | 1,429 |
Loan and lease loss provision to assets | 0.1399% | 1,622 |
Net operating income to assets | 0.9006% | 2,863 |
Return on assets (ROA) | 1.1344% | 1,943 |
Pretax return on assets | 1.1344% | 3,063 |
Return on Equity (ROE) | 11.8026% | 1,385 |
Retained earnings to average equity (ytd only) | 7.4711% | 1,400 |
Net charge-offs to loans | 0.1275% | 1,568 |
Credit loss provision to net charge-offs | 166.6667% | 1,481 |
Earnings coverage of net charge-offs (x) | 12.3968% | 2,186 |
Efficiency ratio | 76.4191% | 2,022 |
Assets per employee ($millions) | 4.0037% | 3,891 |
Cash dividends to net income (ytd only)* | 36.6999% | 2,568 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7262% | 1,220 |
Loan loss allowance to noncurrent loans | 106.0654% | 3,587 |
Noncurrent assets plus other real estate owned to assets | 1.4749% | 1,308 |
Noncurrent loans to loans | 1.6275% | 1,312 |
Net loans and leases to total assets | 63.1462% | 3,481 |
Net loans and leases to deposits | 73.4652% | 3,658 |
Net loans and leases to core deposits | 75.6629% | 3,849 |
Total domestic deposits to total assets | 85.9539% | 2,441 |
Equity capital to assets | 9.8270% | 4,413 |
Core capital (leverage) ratio | 9.1381% | 4,679 |
Tier 1 risk-based capital ratio | 13.7816% | 3,732 |
Total risk-based capital ratio | 15.0373% | 3,645 |
Memoranda: | ||
Average total assets | $300,240,000 | 2,181 |
Average earning assets | $276,285,330 | 2,192 |
Average equity | $28,858,000 | 2,464 |
Average total loans | $197,680,000 | 2,146 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2570% | 2,279 |
Cost of funding earning assets | 0.5145% | 1,988 |
Net interest margin | 3.7426% | 2,513 |
Noninterest income to average assets | 0.9738% | 1,140 |
Noninterest expense to average assets | 3.3680% | 1,447 |
Loan and lease loss provision to assets | 0.1408% | 1,496 |
Net operating income to assets | 0.9094% | 2,704 |
Return on assets (ROA) | 1.3574% | 1,187 |
Pretax return on assets | 1.3574% | 2,060 |
Return on Equity (ROE) | 14.2857% | 785 |
Retained earnings to average equity (ytd only) | 5.8159% | 2,462 |
Net charge-offs to loans | 0.0423% | 2,158 |
Credit loss provision to net charge-offs | 500.0000% | 597 |
Earnings coverage of net charge-offs (x) | 37.2857% | 1,056 |
Efficiency ratio | 76.2295% | 2,148 |
Assets per employee ($millions) | 3.9090% | 4,107 |
Cash dividends to net income (ytd only)* | 59.2885% | 1,465 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6920% | 1,382 |
Loan loss allowance to noncurrent loans | 82.8221% | 4,024 |
Noncurrent assets plus other real estate owned to assets | 1.8210% | 1,012 |
Noncurrent loans to loans | 2.0430% | 1,038 |
Net loans and leases to total assets | 65.1476% | 3,088 |
Net loans and leases to deposits | 72.7556% | 3,576 |
Net loans and leases to core deposits | 74.9177% | 3,798 |
Total domestic deposits to total assets | 89.5430% | 818 |
Equity capital to assets | 9.4882% | 4,676 |
Core capital (leverage) ratio | 8.8573% | 5,017 |
Tier 1 risk-based capital ratio | 13.1246% | 4,178 |
Total risk-based capital ratio | 14.3799% | 4,099 |
Memoranda: | ||
Average total assets | $298,218,500 | 2,200 |
Average earning assets | $274,462,500 | 2,214 |
Average equity | $28,336,000 | 2,502 |
Average total loans | $198,761,000 | 2,139 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2636% | 2,338 |
Cost of funding earning assets | 0.5470% | 1,793 |
Net interest margin | 3.7167% | 2,688 |
Noninterest income to average assets | 0.9793% | 1,235 |
Noninterest expense to average assets | 3.4043% | 1,478 |
Loan and lease loss provision to assets | 0.0628% | 3,043 |
Net operating income to assets | 0.9141% | 2,793 |
Return on assets (ROA) | 0.9092% | 2,899 |
Pretax return on assets | 0.9092% | 3,799 |
Return on Equity (ROE) | 9.6932% | 2,136 |
Retained earnings to average equity (ytd only) | 6.1437% | 1,723 |
Net charge-offs to loans | -0.0011% | 4,839 |
Credit loss provision to net charge-offs | -9,000.0000% | 5,753 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7035% | 2,011 |
Assets per employee ($millions) | 3.7398% | 4,398 |
Cash dividends to net income (ytd only)* | 36.6181% | 3,022 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6617% | 1,448 |
Loan loss allowance to noncurrent loans | 105.3457% | 3,565 |
Noncurrent assets plus other real estate owned to assets | 1.5333% | 1,310 |
Noncurrent loans to loans | 1.5773% | 1,457 |
Net loans and leases to total assets | 65.9233% | 2,990 |
Net loans and leases to deposits | 74.1629% | 3,473 |
Net loans and leases to core deposits | 76.5968% | 3,702 |
Total domestic deposits to total assets | 88.8899% | 1,181 |
Equity capital to assets | 9.5156% | 4,535 |
Core capital (leverage) ratio | 8.9915% | 4,895 |
Tier 1 risk-based capital ratio | 13.0896% | 4,251 |
Total risk-based capital ratio | 14.3448% | 4,164 |
Memoranda: | ||
Average total assets | $286,842,000 | 2,224 |
Average earning assets | $262,546,600 | 2,249 |
Average equity | $26,905,400 | 2,558 |
Average total loans | $187,702,800 | 2,177 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2644% | 2,351 |
Cost of funding earning assets | 0.5592% | 1,722 |
Net interest margin | 3.7052% | 2,748 |
Noninterest income to average assets | 0.9699% | 1,262 |
Noninterest expense to average assets | 3.3589% | 1,564 |
Loan and lease loss provision to assets | 0.0688% | 2,797 |
Net operating income to assets | 0.9310% | 2,800 |
Return on assets (ROA) | 0.9235% | 2,928 |
Pretax return on assets | 0.9235% | 3,904 |
Return on Equity (ROE) | 9.8832% | 2,147 |
Retained earnings to average equity (ytd only) | 6.3499% | 2,042 |
Net charge-offs to loans | -0.0094% | 4,968 |
Credit loss provision to net charge-offs | -1,130.7692% | 5,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.0603% | 2,080 |
Assets per employee ($millions) | 3.6216% | 4,571 |
Cash dividends to net income (ytd only)* | 35.7506% | 2,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7071% | 1,453 |
Loan loss allowance to noncurrent loans | 81.3994% | 4,129 |
Noncurrent assets plus other real estate owned to assets | 1.8969% | 1,102 |
Noncurrent loans to loans | 2.0972% | 1,080 |
Net loans and leases to total assets | 64.9644% | 3,161 |
Net loans and leases to deposits | 72.5597% | 3,698 |
Net loans and leases to core deposits | 74.7372% | 3,933 |
Total domestic deposits to total assets | 89.5324% | 758 |
Equity capital to assets | 9.4208% | 4,856 |
Core capital (leverage) ratio | 9.0151% | 4,976 |
Tier 1 risk-based capital ratio | 13.2446% | 4,293 |
Total risk-based capital ratio | 14.5001% | 4,207 |
Memoranda: | ||
Average total assets | $284,692,000 | 2,256 |
Average earning assets | $260,382,000 | 2,282 |
Average equity | $26,603,500 | 2,596 |
Average total loans | $185,114,500 | 2,207 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2334% | 2,416 |
Cost of funding earning assets | 0.5681% | 1,658 |
Net interest margin | 3.6653% | 2,856 |
Noninterest income to average assets | 0.9293% | 1,356 |
Noninterest expense to average assets | 3.3115% | 1,666 |
Loan and lease loss provision to assets | 0.0579% | 2,945 |
Net operating income to assets | 0.9067% | 2,839 |
Return on assets (ROA) | 0.9067% | 2,965 |
Pretax return on assets | 0.9067% | 3,934 |
Return on Equity (ROE) | 9.7296% | 2,193 |
Retained earnings to average equity (ytd only) | 6.6052% | 1,898 |
Net charge-offs to loans | -0.0055% | 4,764 |
Credit loss provision to net charge-offs | -1,640.0000% | 5,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.4417% | 2,144 |
Assets per employee ($millions) | 3.5031% | 4,782 |
Cash dividends to net income (ytd only)* | 32.1122% | 2,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6795% | 1,660 |
Loan loss allowance to noncurrent loans | 77.0306% | 4,293 |
Noncurrent assets plus other real estate owned to assets | 1.9838% | 1,117 |
Noncurrent loans to loans | 2.1802% | 1,101 |
Net loans and leases to total assets | 65.9393% | 2,960 |
Net loans and leases to deposits | 73.9083% | 3,501 |
Net loans and leases to core deposits | 76.1827% | 3,750 |
Total domestic deposits to total assets | 89.2177% | 1,042 |
Equity capital to assets | 9.3050% | 4,893 |
Core capital (leverage) ratio | 8.9497% | 5,032 |
Tier 1 risk-based capital ratio | 13.3414% | 4,319 |
Total risk-based capital ratio | 14.5968% | 4,243 |
Memoranda: | ||
Average total assets | $283,012,330 | 2,282 |
Average earning assets | $258,422,670 | 2,307 |
Average equity | $26,373,000 | 2,625 |
Average total loans | $182,989,000 | 2,240 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1874% | 2,510 |
Cost of funding earning assets | 0.5776% | 1,599 |
Net interest margin | 3.6098% | 2,966 |
Noninterest income to average assets | 0.8958% | 1,395 |
Noninterest expense to average assets | 3.3243% | 1,660 |
Loan and lease loss provision to assets | 0.0849% | 2,275 |
Net operating income to assets | 0.7770% | 3,381 |
Return on assets (ROA) | 0.7770% | 3,514 |
Pretax return on assets | 0.7770% | 4,324 |
Return on Equity (ROE) | 8.3314% | 2,794 |
Retained earnings to average equity (ytd only) | 4.8866% | 3,119 |
Net charge-offs to loans | 0.0736% | 1,974 |
Credit loss provision to net charge-offs | 181.8182% | 1,115 |
Earnings coverage of net charge-offs (x) | 18.4545% | 1,489 |
Efficiency ratio | 79.4118% | 1,969 |
Assets per employee ($millions) | 3.5551% | 4,803 |
Cash dividends to net income (ytd only)* | 41.3479% | 2,004 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7319% | 1,663 |
Loan loss allowance to noncurrent loans | 58.0741% | 4,784 |
Noncurrent assets plus other real estate owned to assets | 2.4564% | 880 |
Noncurrent loans to loans | 2.9822% | 729 |
Net loans and leases to total assets | 62.5661% | 3,281 |
Net loans and leases to deposits | 69.7042% | 3,784 |
Net loans and leases to core deposits | 71.7368% | 3,994 |
Total domestic deposits to total assets | 89.7593% | 868 |
Equity capital to assets | 9.3894% | 4,868 |
Core capital (leverage) ratio | 8.7345% | 5,287 |
Tier 1 risk-based capital ratio | 13.4114% | 4,369 |
Total risk-based capital ratio | 14.6666% | 4,286 |
Memoranda: | ||
Average total assets | $282,642,500 | 2,301 |
Average earning assets | $257,633,000 | 2,327 |
Average equity | $26,358,000 | 2,640 |
Average total loans | $179,333,500 | 2,280 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4179% | 2,169 |
Cost of funding earning assets | 0.6164% | 1,630 |
Net interest margin | 3.8016% | 2,618 |
Noninterest income to average assets | 0.9174% | 1,449 |
Noninterest expense to average assets | 3.5446% | 1,396 |
Loan and lease loss provision to assets | 0.1102% | 2,330 |
Net operating income to assets | 0.7058% | 3,861 |
Return on assets (ROA) | 0.7614% | 3,664 |
Pretax return on assets | 0.7614% | 4,398 |
Return on Equity (ROE) | 8.4387% | 2,886 |
Retained earnings to average equity (ytd only) | 5.0510% | 2,568 |
Net charge-offs to loans | 0.0252% | 4,328 |
Credit loss provision to net charge-offs | 684.0909% | 387 |
Earnings coverage of net charge-offs (x) | 50.6591% | 918 |
Efficiency ratio | 81.2878% | 1,736 |
Assets per employee ($millions) | 3.3438% | 5,184 |
Cash dividends to net income (ytd only)* | 40.1442% | 2,841 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7507% | 1,654 |
Loan loss allowance to noncurrent loans | 56.9101% | 4,891 |
Noncurrent assets plus other real estate owned to assets | 2.5096% | 921 |
Noncurrent loans to loans | 3.0762% | 724 |
Net loans and leases to total assets | 62.1194% | 3,483 |
Net loans and leases to deposits | 69.1531% | 4,015 |
Net loans and leases to core deposits | 71.2615% | 4,192 |
Total domestic deposits to total assets | 89.8288% | 810 |
Equity capital to assets | 9.2609% | 4,994 |
Core capital (leverage) ratio | 8.7356% | 5,314 |
Tier 1 risk-based capital ratio | 13.4644% | 4,435 |
Total risk-based capital ratio | 14.7129% | 4,374 |
Memoranda: | ||
Average total assets | $273,173,600 | 2,334 |
Average earning assets | $247,423,200 | 2,368 |
Average equity | $24,648,400 | 2,702 |
Average total loans | $174,947,800 | 2,281 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4426% | 2,073 |
Cost of funding earning assets | 0.6194% | 1,677 |
Net interest margin | 3.8232% | 2,531 |
Noninterest income to average assets | 0.9275% | 1,426 |
Noninterest expense to average assets | 3.5293% | 1,413 |
Loan and lease loss provision to assets | 0.1140% | 2,148 |
Net operating income to assets | 0.7432% | 3,706 |
Return on assets (ROA) | 0.7830% | 3,606 |
Pretax return on assets | 0.7830% | 4,423 |
Return on Equity (ROE) | 8.7378% | 2,817 |
Retained earnings to average equity (ytd only) | 5.3425% | 2,854 |
Net charge-offs to loans | 0.0092% | 4,407 |
Credit loss provision to net charge-offs | 1,933.3333% | 185 |
Earnings coverage of net charge-offs (x) | 145.3300% | 425 |
Efficiency ratio | 80.4572% | 1,851 |
Assets per employee ($millions) | 3.5207% | 4,827 |
Cash dividends to net income (ytd only)* | 38.8573% | 2,403 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7538% | 1,811 |
Loan loss allowance to noncurrent loans | 56.6894% | 4,892 |
Noncurrent assets plus other real estate owned to assets | 2.5387% | 1,028 |
Noncurrent loans to loans | 3.0938% | 844 |
Net loans and leases to total assets | 61.8705% | 3,506 |
Net loans and leases to deposits | 68.8677% | 4,033 |
Net loans and leases to core deposits | 71.0559% | 4,242 |
Total domestic deposits to total assets | 89.8396% | 807 |
Equity capital to assets | 9.2360% | 5,104 |
Core capital (leverage) ratio | 8.8399% | 5,282 |
Tier 1 risk-based capital ratio | 13.3274% | 4,659 |
Total risk-based capital ratio | 14.5238% | 4,621 |
Memoranda: | ||
Average total assets | $271,247,000 | 2,366 |
Average earning assets | $245,408,250 | 2,398 |
Average equity | $24,307,500 | 2,734 |
Average total loans | $174,287,250 | 2,300 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4952% | 1,844 |
Cost of funding earning assets | 0.6234% | 1,700 |
Net interest margin | 3.8718% | 2,289 |
Noninterest income to average assets | 0.9184% | 1,431 |
Noninterest expense to average assets | 3.5769% | 1,337 |
Loan and lease loss provision to assets | 0.1316% | 1,881 |
Net operating income to assets | 0.7012% | 3,835 |
Return on assets (ROA) | 0.7117% | 3,871 |
Pretax return on assets | 0.7117% | 4,601 |
Return on Equity (ROE) | 8.0262% | 3,075 |
Retained earnings to average equity (ytd only) | 5.1914% | 2,837 |
Net charge-offs to loans | 0.0034% | 4,269 |
Credit loss provision to net charge-offs | 5,900.0000% | 60 |
Earnings coverage of net charge-offs (x) | 373.3333% | 186 |
Efficiency ratio | 81.1130% | 1,862 |
Assets per employee ($millions) | 3.3596% | 5,137 |
Cash dividends to net income (ytd only)* | 35.3187% | 2,591 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7603% | 1,952 |
Loan loss allowance to noncurrent loans | 50.7378% | 5,142 |
Noncurrent assets plus other real estate owned to assets | 2.7961% | 934 |
Noncurrent loans to loans | 3.4694% | 768 |
Net loans and leases to total assets | 62.0585% | 3,393 |
Net loans and leases to deposits | 69.0996% | 3,927 |
Net loans and leases to core deposits | 71.3405% | 4,117 |
Total domestic deposits to total assets | 89.8103% | 900 |
Equity capital to assets | 9.1421% | 5,164 |
Core capital (leverage) ratio | 8.8022% | 5,271 |
Tier 1 risk-based capital ratio | 13.3393% | 4,695 |
Total risk-based capital ratio | 14.4807% | 4,702 |
Memoranda: | ||
Average total assets | $268,949,670 | 2,381 |
Average earning assets | $242,524,000 | 2,417 |
Average equity | $23,847,000 | 2,765 |
Average total loans | $173,997,000 | 2,305 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5517% | 1,636 |
Cost of funding earning assets | 0.6258% | 1,762 |
Net interest margin | 3.9259% | 1,992 |
Noninterest income to average assets | 0.9470% | 1,266 |
Noninterest expense to average assets | 3.5667% | 1,366 |
Loan and lease loss provision to assets | 0.1825% | 1,311 |
Net operating income to assets | 0.7361% | 3,507 |
Return on assets (ROA) | 0.7510% | 3,495 |
Pretax return on assets | 0.7510% | 4,307 |
Return on Equity (ROE) | 8.6064% | 2,638 |
Retained earnings to average equity (ytd only) | 5.8119% | 2,641 |
Net charge-offs to loans | 0.1348% | 1,902 |
Credit loss provision to net charge-offs | 206.7797% | 1,012 |
Earnings coverage of net charge-offs (x) | 10.4068% | 1,862 |
Efficiency ratio | 79.5197% | 2,273 |
Assets per employee ($millions) | 3.4055% | 5,144 |
Cash dividends to net income (ytd only)* | 32.4701% | 2,224 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6674% | 2,449 |
Loan loss allowance to noncurrent loans | 58.7465% | 4,891 |
Noncurrent assets plus other real estate owned to assets | 2.8193% | 1,053 |
Noncurrent loans to loans | 2.8383% | 1,160 |
Net loans and leases to total assets | 63.8984% | 2,905 |
Net loans and leases to deposits | 70.8220% | 3,497 |
Net loans and leases to core deposits | 73.1279% | 3,751 |
Total domestic deposits to total assets | 90.2239% | 949 |
Equity capital to assets | 8.8929% | 5,234 |
Core capital (leverage) ratio | 8.8270% | 5,234 |
Tier 1 risk-based capital ratio | 12.9955% | 5,004 |
Total risk-based capital ratio | 14.2427% | 4,936 |
Memoranda: | ||
Average total assets | $267,361,000 | 2,400 |
Average earning assets | $240,965,500 | 2,431 |
Average equity | $23,331,500 | 2,812 |
Average total loans | $175,043,500 | 2,283 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7179% | 1,525 |
Cost of funding earning assets | 0.6700% | 2,039 |
Net interest margin | 4.0480% | 1,812 |
Noninterest income to average assets | 1.1105% | 1,138 |
Noninterest expense to average assets | 3.4997% | 1,650 |
Loan and lease loss provision to assets | 0.4429% | 663 |
Net operating income to assets | 0.8415% | 3,082 |
Return on assets (ROA) | 0.8824% | 2,955 |
Pretax return on assets | 0.8824% | 3,835 |
Return on Equity (ROE) | 10.0894% | 2,078 |
Retained earnings to average equity (ytd only) | 0.1311% | 5,793 |
Net charge-offs to loans | 0.5617% | 1,169 |
Credit loss provision to net charge-offs | 118.8718% | 2,014 |
Earnings coverage of net charge-offs (x) | 3.4472% | 3,850 |
Efficiency ratio | 73.1528% | 3,266 |
Assets per employee ($millions) | 3.3211% | 5,241 |
Cash dividends to net income (ytd only)* | 98.7007% | 431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6273% | 2,656 |
Loan loss allowance to noncurrent loans | 70.3850% | 4,467 |
Noncurrent assets plus other real estate owned to assets | 1.9297% | 1,872 |
Noncurrent loans to loans | 2.3120% | 1,665 |
Net loans and leases to total assets | 64.8925% | 2,891 |
Net loans and leases to deposits | 71.6213% | 3,575 |
Net loans and leases to core deposits | 74.0836% | 3,830 |
Total domestic deposits to total assets | 90.6051% | 744 |
Equity capital to assets | 8.5582% | 5,518 |
Core capital (leverage) ratio | 8.6920% | 5,423 |
Tier 1 risk-based capital ratio | 12.9524% | 5,007 |
Total risk-based capital ratio | 14.2058% | 4,962 |
Memoranda: | ||
Average total assets | $261,679,000 | 2,420 |
Average earning assets | $237,477,800 | 2,446 |
Average equity | $22,885,400 | 2,835 |
Average total loans | $173,583,400 | 2,262 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7204% | 1,547 |
Cost of funding earning assets | 0.6778% | 2,111 |
Net interest margin | 4.0426% | 1,811 |
Noninterest income to average assets | 0.9672% | 1,552 |
Noninterest expense to average assets | 3.4821% | 1,647 |
Loan and lease loss provision to assets | 0.5243% | 517 |
Net operating income to assets | 0.6276% | 4,228 |
Return on assets (ROA) | 0.6726% | 4,145 |
Pretax return on assets | 0.6726% | 4,782 |
Return on Equity (ROE) | 7.6489% | 3,310 |
Retained earnings to average equity (ytd only) | -4.6882% | 6,478 |
Net charge-offs to loans | 0.6922% | 868 |
Credit loss provision to net charge-offs | 114.0156% | 2,063 |
Earnings coverage of net charge-offs (x) | 2.5050% | 3,998 |
Efficiency ratio | 75.1435% | 2,883 |
Assets per employee ($millions) | 3.2908% | 5,300 |
Cash dividends to net income (ytd only)* | 161.2928% | 116 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5739% | 3,126 |
Loan loss allowance to noncurrent loans | 114.2273% | 3,150 |
Noncurrent assets plus other real estate owned to assets | 1.3776% | 2,897 |
Noncurrent loans to loans | 1.3779% | 3,110 |
Net loans and leases to total assets | 65.5482% | 2,713 |
Net loans and leases to deposits | 72.1655% | 3,493 |
Net loans and leases to core deposits | 74.1882% | 3,820 |
Total domestic deposits to total assets | 90.8304% | 601 |
Equity capital to assets | 8.1803% | 6,023 |
Core capital (leverage) ratio | 8.4273% | 5,833 |
Tier 1 risk-based capital ratio | 12.4127% | 5,510 |
Total risk-based capital ratio | 13.6538% | 5,449 |
Memoranda: | ||
Average total assets | $260,677,000 | 2,451 |
Average earning assets | $236,442,750 | 2,472 |
Average equity | $22,922,250 | 2,858 |
Average total loans | $173,163,500 | 2,275 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7313% | 1,485 |
Cost of funding earning assets | 0.6853% | 2,177 |
Net interest margin | 4.0460% | 1,708 |
Noninterest income to average assets | 0.9385% | 1,694 |
Noninterest expense to average assets | 3.5815% | 1,445 |
Loan and lease loss provision to assets | 0.1438% | 2,535 |
Net operating income to assets | 0.8782% | 2,922 |
Return on assets (ROA) | 0.8782% | 3,064 |
Pretax return on assets | 0.8782% | 3,990 |
Return on Equity (ROE) | 9.7533% | 2,296 |
Retained earnings to average equity (ytd only) | -5.2372% | 6,473 |
Net charge-offs to loans | -0.2178% | 6,689 |
Credit loss provision to net charge-offs | -99.4652% | 5,618 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8002% | 2,493 |
Assets per employee ($millions) | 3.2362% | 5,401 |
Cash dividends to net income (ytd only)* | 153.6972% | 192 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7407% | 2,623 |
Loan loss allowance to noncurrent loans | 100.2638% | 3,451 |
Noncurrent assets plus other real estate owned to assets | 1.6430% | 2,641 |
Noncurrent loans to loans | 1.7361% | 2,717 |
Net loans and leases to total assets | 64.6868% | 2,810 |
Net loans and leases to deposits | 71.1727% | 3,565 |
Net loans and leases to core deposits | 71.5844% | 4,098 |
Total domestic deposits to total assets | 90.8871% | 585 |
Equity capital to assets | 8.3035% | 5,971 |
Core capital (leverage) ratio | 8.2763% | 5,911 |
Tier 1 risk-based capital ratio | 12.2760% | 5,640 |
Total risk-based capital ratio | 13.5258% | 5,584 |
Memoranda: | ||
Average total assets | $258,717,670 | 2,469 |
Average earning assets | $234,353,000 | 2,502 |
Average equity | $23,294,670 | 2,835 |
Average total loans | $171,712,670 | 2,297 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7635% | 1,369 |
Cost of funding earning assets | 0.6812% | 2,375 |
Net interest margin | 4.0822% | 1,511 |
Noninterest income to average assets | 0.9946% | 1,473 |
Noninterest expense to average assets | 3.5929% | 1,436 |
Loan and lease loss provision to assets | 0.2177% | 1,704 |
Net operating income to assets | 0.8818% | 2,741 |
Return on assets (ROA) | 0.8818% | 2,887 |
Pretax return on assets | 0.8818% | 3,825 |
Return on Equity (ROE) | 9.4129% | 2,312 |
Retained earnings to average equity (ytd only) | -15.1811% | 6,748 |
Net charge-offs to loans | 0.0634% | 3,187 |
Credit loss provision to net charge-offs | 514.8148% | 515 |
Earnings coverage of net charge-offs (x) | 26.0000% | 1,032 |
Efficiency ratio | 76.5688% | 2,833 |
Assets per employee ($millions) | 3.0607% | 5,891 |
Cash dividends to net income (ytd only)* | 261.2789% | 120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6132% | 3,341 |
Loan loss allowance to noncurrent loans | 253.1876% | 1,549 |
Noncurrent assets plus other real estate owned to assets | 0.8660% | 4,220 |
Noncurrent loans to loans | 0.6371% | 4,852 |
Net loans and leases to total assets | 66.7425% | 2,238 |
Net loans and leases to deposits | 74.1078% | 2,905 |
Net loans and leases to core deposits | 76.2535% | 3,286 |
Total domestic deposits to total assets | 90.0614% | 1,006 |
Equity capital to assets | 9.1801% | 5,274 |
Core capital (leverage) ratio | 8.4926% | 5,606 |
Tier 1 risk-based capital ratio | 12.2836% | 5,730 |
Total risk-based capital ratio | 13.5378% | 5,683 |
Memoranda: | ||
Average total assets | $255,391,000 | 2,531 |
Average earning assets | $231,344,000 | 2,561 |
Average equity | $23,924,500 | 2,809 |
Average total loans | $170,218,500 | 2,319 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8517% | 2,013 |
Cost of funding earning assets | 0.7334% | 3,221 |
Net interest margin | 4.1184% | 1,930 |
Noninterest income to average assets | 1.0773% | 1,343 |
Noninterest expense to average assets | 3.6776% | 1,461 |
Loan and lease loss provision to assets | 0.0423% | 5,326 |
Net operating income to assets | 1.0793% | 2,010 |
Return on assets (ROA) | 1.3505% | 1,322 |
Pretax return on assets | 1.3505% | 2,209 |
Return on Equity (ROE) | 14.3485% | 923 |
Retained earnings to average equity (ytd only) | 9.6398% | 669 |
Net charge-offs to loans | -0.2776% | 6,968 |
Credit loss provision to net charge-offs | -24.5327% | 6,241 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6286% | 2,647 |
Assets per employee ($millions) | 3.1310% | 5,780 |
Cash dividends to net income (ytd only)* | 32.8162% | 3,241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5871% | 3,376 |
Loan loss allowance to noncurrent loans | 536.8209% | 774 |
Noncurrent assets plus other real estate owned to assets | 0.5784% | 5,034 |
Noncurrent loans to loans | 0.2956% | 5,741 |
Net loans and leases to total assets | 64.4368% | 2,819 |
Net loans and leases to deposits | 71.9416% | 3,421 |
Net loans and leases to core deposits | 73.9863% | 3,783 |
Total domestic deposits to total assets | 89.5682% | 1,210 |
Equity capital to assets | 9.5535% | 4,812 |
Core capital (leverage) ratio | 8.8366% | 5,120 |
Tier 1 risk-based capital ratio | 13.0846% | 5,046 |
Total risk-based capital ratio | 14.3456% | 4,985 |
Memoranda: | ||
Average total assets | $248,207,600 | 2,547 |
Average earning assets | $224,311,400 | 2,574 |
Average equity | $23,361,400 | 2,815 |
Average total loans | $154,203,600 | 2,512 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8392% | 2,245 |
Cost of funding earning assets | 0.7424% | 3,409 |
Net interest margin | 4.0968% | 2,102 |
Noninterest income to average assets | 1.0961% | 1,250 |
Noninterest expense to average assets | 3.6660% | 1,422 |
Loan and lease loss provision to assets | -0.0265% | 6,968 |
Net operating income to assets | 1.1611% | 1,866 |
Return on assets (ROA) | 1.4467% | 1,256 |
Pretax return on assets | 1.4467% | 2,091 |
Return on Equity (ROE) | 15.4311% | 829 |
Retained earnings to average equity (ytd only) | 10.5186% | 784 |
Net charge-offs to loans | -0.3512% | 7,067 |
Credit loss provision to net charge-offs | 12.3426% | 5,052 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.3657% | 2,618 |
Assets per employee ($millions) | 3.0151% | 6,028 |
Cash dividends to net income (ytd only)* | 31.8354% | 2,542 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5560% | 3,705 |
Loan loss allowance to noncurrent loans | 619.2020% | 639 |
Noncurrent assets plus other real estate owned to assets | 0.5540% | 5,285 |
Noncurrent loans to loans | 0.2513% | 5,985 |
Net loans and leases to total assets | 62.0283% | 3,370 |
Net loans and leases to deposits | 69.3057% | 3,987 |
Net loans and leases to core deposits | 71.4271% | 4,324 |
Total domestic deposits to total assets | 89.4995% | 1,127 |
Equity capital to assets | 9.6389% | 5,011 |
Core capital (leverage) ratio | 8.8730% | 5,235 |
Tier 1 risk-based capital ratio | 13.2402% | 5,066 |
Total risk-based capital ratio | 14.4934% | 5,027 |
Memoranda: | ||
Average total assets | $246,073,750 | 2,593 |
Average earning assets | $222,508,750 | 2,612 |
Average equity | $23,069,750 | 2,870 |
Average total loans | $150,728,250 | 2,593 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8296% | 2,385 |
Cost of funding earning assets | 0.7538% | 3,576 |
Net interest margin | 4.0758% | 2,184 |
Noninterest income to average assets | 1.1146% | 1,150 |
Noninterest expense to average assets | 3.6844% | 1,408 |
Loan and lease loss provision to assets | 0.2421% | 2,641 |
Net operating income to assets | 0.8758% | 3,014 |
Return on assets (ROA) | 1.3222% | 1,535 |
Pretax return on assets | 1.3222% | 2,471 |
Return on Equity (ROE) | 14.2426% | 1,063 |
Retained earnings to average equity (ytd only) | 9.1591% | 1,217 |
Net charge-offs to loans | 0.1110% | 4,069 |
Credit loss provision to net charge-offs | 359.7561% | 815 |
Earnings coverage of net charge-offs (x) | 16.6098% | 1,583 |
Efficiency ratio | 76.7219% | 2,633 |
Assets per employee ($millions) | 3.0635% | 5,929 |
Cash dividends to net income (ytd only)* | 35.6921% | 2,369 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5273% | 3,890 |
Loan loss allowance to noncurrent loans | 373.8854% | 970 |
Noncurrent assets plus other real estate owned to assets | 0.6569% | 5,135 |
Noncurrent loans to loans | 0.4085% | 5,718 |
Net loans and leases to total assets | 61.0096% | 3,625 |
Net loans and leases to deposits | 67.8275% | 4,230 |
Net loans and leases to core deposits | 67.8275% | 4,808 |
Total domestic deposits to total assets | 89.9481% | 951 |
Equity capital to assets | 9.3406% | 5,267 |
Core capital (leverage) ratio | 8.6085% | 5,504 |
Tier 1 risk-based capital ratio | 13.1718% | 5,062 |
Total risk-based capital ratio | 14.4281% | 5,031 |
Memoranda: | ||
Average total assets | $243,676,670 | 2,617 |
Average earning assets | $220,473,670 | 2,643 |
Average equity | $22,622,330 | 2,899 |
Average total loans | $147,778,000 | 2,647 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9107% | 2,197 |
Cost of funding earning assets | 0.7617% | 3,776 |
Net interest margin | 4.1490% | 1,945 |
Noninterest income to average assets | 1.2243% | 956 |
Noninterest expense to average assets | 3.5288% | 1,695 |
Loan and lease loss provision to assets | 0.2319% | 2,627 |
Net operating income to assets | 1.2177% | 1,685 |
Return on assets (ROA) | 1.8853% | 581 |
Pretax return on assets | 1.8853% | 907 |
Return on Equity (ROE) | 20.3719% | 366 |
Retained earnings to average equity (ytd only) | 15.2700% | 429 |
Net charge-offs to loans | 0.1878% | 2,977 |
Credit loss provision to net charge-offs | 205.8824% | 1,311 |
Earnings coverage of net charge-offs (x) | 12.8676% | 1,568 |
Efficiency ratio | 70.8819% | 3,645 |
Assets per employee ($millions) | 3.0110% | 6,130 |
Cash dividends to net income (ytd only)* | 25.0439% | 2,215 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5078% | 4,116 |
Loan loss allowance to noncurrent loans | 424.4231% | 797 |
Noncurrent assets plus other real estate owned to assets | 0.6164% | 5,350 |
Noncurrent loans to loans | 0.3553% | 5,963 |
Net loans and leases to total assets | 58.3904% | 3,974 |
Net loans and leases to deposits | 64.8393% | 4,503 |
Net loans and leases to core deposits | 64.8393% | 5,029 |
Total domestic deposits to total assets | 90.0539% | 1,059 |
Equity capital to assets | 9.2223% | 5,202 |
Core capital (leverage) ratio | 8.8207% | 5,107 |
Tier 1 risk-based capital ratio | 13.5365% | 4,802 |
Total risk-based capital ratio | 14.7887% | 4,783 |
Memoranda: | ||
Average total assets | $241,443,500 | 2,653 |
Average earning assets | $218,460,000 | 2,669 |
Average equity | $22,344,500 | 2,938 |
Average total loans | $144,797,500 | 2,708 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0679% | 2,575 |
Cost of funding earning assets | 0.9540% | 3,698 |
Net interest margin | 4.1139% | 2,373 |
Noninterest income to average assets | 1.3384% | 723 |
Noninterest expense to average assets | 3.5787% | 1,785 |
Loan and lease loss provision to assets | 0.5439% | 1,928 |
Net operating income to assets | 0.9622% | 2,349 |
Return on assets (ROA) | 1.0605% | 2,102 |
Pretax return on assets | 1.0605% | 2,998 |
Return on Equity (ROE) | 11.2724% | 1,627 |
Retained earnings to average equity (ytd only) | 3.1684% | 3,959 |
Net charge-offs to loans | 0.4910% | 3,029 |
Credit loss provision to net charge-offs | 179.2342% | 1,458 |
Earnings coverage of net charge-offs (x) | 4.9632% | 2,930 |
Efficiency ratio | 70.3814% | 3,872 |
Assets per employee ($millions) | 3.1890% | 5,733 |
Cash dividends to net income (ytd only)* | 71.8921% | 1,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4907% | 4,070 |
Loan loss allowance to noncurrent loans | 561.8421% | 633 |
Noncurrent assets plus other real estate owned to assets | 0.5293% | 5,646 |
Noncurrent loans to loans | 0.2653% | 6,190 |
Net loans and leases to total assets | 59.7860% | 4,029 |
Net loans and leases to deposits | 68.7081% | 4,329 |
Net loans and leases to core deposits | 68.7081% | 4,944 |
Total domestic deposits to total assets | 87.0144% | 2,755 |
Equity capital to assets | 9.2883% | 5,163 |
Core capital (leverage) ratio | 9.0841% | 4,646 |
Tier 1 risk-based capital ratio | 14.0243% | 4,310 |
Total risk-based capital ratio | 15.2767% | 4,263 |
Memoranda: | ||
Average total assets | $223,767,800 | 2,800 |
Average earning assets | $203,771,800 | 2,805 |
Average equity | $21,051,400 | 3,005 |
Average total loans | $138,296,200 | 2,826 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1238% | 2,498 |
Cost of funding earning assets | 1.0064% | 3,635 |
Net interest margin | 4.1173% | 2,404 |
Noninterest income to average assets | 1.4160% | 654 |
Noninterest expense to average assets | 3.5248% | 1,874 |
Loan and lease loss provision to assets | 0.3171% | 2,998 |
Net operating income to assets | 1.3205% | 1,323 |
Return on assets (ROA) | 1.2819% | 1,528 |
Pretax return on assets | 1.2819% | 2,355 |
Return on Equity (ROE) | 13.5797% | 1,141 |
Retained earnings to average equity (ytd only) | 5.2156% | 3,049 |
Net charge-offs to loans | 0.0506% | 5,473 |
Credit loss provision to net charge-offs | 1,009.6154% | 259 |
Earnings coverage of net charge-offs (x) | 52.1359% | 627 |
Efficiency ratio | 68.2776% | 4,267 |
Assets per employee ($millions) | 2.9691% | 6,190 |
Cash dividends to net income (ytd only)* | 61.5928% | 1,135 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4873% | 4,166 |
Loan loss allowance to noncurrent loans | 772.3881% | 446 |
Noncurrent assets plus other real estate owned to assets | 0.5188% | 5,786 |
Noncurrent loans to loans | 0.1926% | 6,482 |
Net loans and leases to total assets | 62.4044% | 3,632 |
Net loans and leases to deposits | 70.0306% | 4,298 |
Net loans and leases to core deposits | 71.5543% | 4,764 |
Total domestic deposits to total assets | 89.1101% | 1,364 |
Equity capital to assets | 10.0142% | 4,323 |
Core capital (leverage) ratio | 9.8251% | 3,678 |
Tier 1 risk-based capital ratio | 14.7749% | 3,790 |
Total risk-based capital ratio | 16.0277% | 3,763 |
Memoranda: | ||
Average total assets | $220,713,500 | 2,834 |
Average earning assets | $200,836,500 | 2,848 |
Average equity | $20,834,500 | 3,033 |
Average total loans | $137,065,000 | 2,880 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1413% | 2,506 |
Cost of funding earning assets | 1.0856% | 3,348 |
Net interest margin | 4.0557% | 2,591 |
Noninterest income to average assets | 1.3617% | 686 |
Noninterest expense to average assets | 3.5477% | 1,861 |
Loan and lease loss provision to assets | 0.3257% | 2,836 |
Net operating income to assets | 1.1762% | 1,644 |
Return on assets (ROA) | 1.3083% | 1,368 |
Pretax return on assets | 1.3083% | 2,112 |
Return on Equity (ROE) | 14.1453% | 949 |
Retained earnings to average equity (ytd only) | 5.1944% | 2,876 |
Net charge-offs to loans | 0.0352% | 5,361 |
Credit loss provision to net charge-offs | 1,500.0000% | 227 |
Earnings coverage of net charge-offs (x) | 69.1667% | 484 |
Efficiency ratio | 70.2562% | 4,060 |
Assets per employee ($millions) | 2.9558% | 6,178 |
Cash dividends to net income (ytd only)* | 63.2780% | 1,247 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4307% | 4,439 |
Loan loss allowance to noncurrent loans | 675.8741% | 519 |
Noncurrent assets plus other real estate owned to assets | 0.6464% | 5,618 |
Noncurrent loans to loans | 0.2117% | 6,483 |
Net loans and leases to total assets | 60.0759% | 4,256 |
Net loans and leases to deposits | 66.9546% | 4,856 |
Net loans and leases to core deposits | 69.1424% | 5,169 |
Total domestic deposits to total assets | 89.7263% | 1,109 |
Equity capital to assets | 9.5019% | 4,809 |
Core capital (leverage) ratio | 9.0113% | 4,703 |
Tier 1 risk-based capital ratio | 14.5936% | 3,734 |
Total risk-based capital ratio | 15.8443% | 3,703 |
Memoranda: | ||
Average total assets | $221,045,670 | 2,848 |
Average earning assets | $200,998,670 | 2,861 |
Average equity | $20,445,000 | 3,070 |
Average total loans | $136,359,000 | 2,927 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0524% | 2,845 |
Cost of funding earning assets | 1.2294% | 2,635 |
Net interest margin | 3.8230% | 3,496 |
Noninterest income to average assets | 1.3012% | 756 |
Noninterest expense to average assets | 3.5447% | 1,890 |
Loan and lease loss provision to assets | 0.3534% | 2,433 |
Net operating income to assets | 0.8970% | 2,576 |
Return on assets (ROA) | 0.8970% | 2,636 |
Pretax return on assets | 0.8970% | 3,507 |
Return on Equity (ROE) | 9.8334% | 2,158 |
Retained earnings to average equity (ytd only) | 1.4899% | 5,218 |
Net charge-offs to loans | 0.0146% | 4,879 |
Credit loss provision to net charge-offs | 3,900.0000% | 91 |
Earnings coverage of net charge-offs (x) | 138.0000% | 230 |
Efficiency ratio | 73.9229% | 3,524 |
Assets per employee ($millions) | 2.9518% | 6,236 |
Cash dividends to net income (ytd only)* | 84.8485% | 760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2779% | 5,245 |
Loan loss allowance to noncurrent loans | 122.6493% | 2,376 |
Noncurrent assets plus other real estate owned to assets | 0.8340% | 5,239 |
Noncurrent loans to loans | 1.0419% | 4,970 |
Net loans and leases to total assets | 61.5380% | 3,958 |
Net loans and leases to deposits | 68.1813% | 4,652 |
Net loans and leases to core deposits | 71.0766% | 4,921 |
Total domestic deposits to total assets | 90.2564% | 984 |
Equity capital to assets | 9.0713% | 5,091 |
Core capital (leverage) ratio | 9.0014% | 4,611 |
Tier 1 risk-based capital ratio | 13.6088% | 4,353 |
Total risk-based capital ratio | 14.7519% | 4,393 |
Memoranda: | ||
Average total assets | $220,727,000 | 2,870 |
Average earning assets | $201,726,000 | 2,870 |
Average equity | $20,135,500 | 3,090 |
Average total loans | $136,983,000 | 2,947 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3020% | 3,122 |
Cost of funding earning assets | 1.3453% | 3,606 |
Net interest margin | 3.9568% | 3,230 |
Noninterest income to average assets | 1.2522% | 946 |
Noninterest expense to average assets | 3.6852% | 1,738 |
Loan and lease loss provision to assets | 0.1892% | 5,341 |
Net operating income to assets | 0.9782% | 2,114 |
Return on assets (ROA) | 1.0091% | 2,120 |
Pretax return on assets | 1.0091% | 2,908 |
Return on Equity (ROE) | 10.6803% | 1,697 |
Retained earnings to average equity (ytd only) | 3.7787% | 3,218 |
Net charge-offs to loans | 0.2391% | 4,852 |
Credit loss provision to net charge-offs | 128.0645% | 3,136 |
Earnings coverage of net charge-offs (x) | 7.9000% | 2,047 |
Efficiency ratio | 75.9430% | 3,064 |
Assets per employee ($millions) | 2.7484% | 6,610 |
Cash dividends to net income (ytd only)* | 64.6197% | 1,441 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1906% | 5,566 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1907% | 6,752 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 61.0406% | 4,481 |
Net loans and leases to deposits | 69.5498% | 4,869 |
Net loans and leases to core deposits | 73.7420% | 5,008 |
Total domestic deposits to total assets | 87.7653% | 2,386 |
Equity capital to assets | 9.1751% | 4,879 |
Core capital (leverage) ratio | 9.1419% | 4,282 |
Tier 1 risk-based capital ratio | 14.4654% | 3,569 |
Total risk-based capital ratio | 15.6432% | 3,571 |
Memoranda: | ||
Average total assets | $209,782,800 | 2,983 |
Average earning assets | $190,888,600 | 2,986 |
Average equity | $19,821,600 | 3,172 |
Average total loans | $129,638,600 | 3,128 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3069% | 3,321 |
Cost of funding earning assets | 1.4143% | 3,495 |
Net interest margin | 3.8926% | 3,560 |
Noninterest income to average assets | 1.2221% | 927 |
Noninterest expense to average assets | 3.6213% | 1,740 |
Loan and lease loss provision to assets | 0.1840% | 5,203 |
Net operating income to assets | 0.9585% | 2,381 |
Return on assets (ROA) | 0.9752% | 2,435 |
Pretax return on assets | 0.9752% | 3,271 |
Return on Equity (ROE) | 10.2439% | 2,028 |
Retained earnings to average equity (ytd only) | 3.5560% | 3,948 |
Net charge-offs to loans | 0.3081% | 4,113 |
Credit loss provision to net charge-offs | 96.6330% | 4,486 |
Earnings coverage of net charge-offs (x) | 6.0000% | 2,621 |
Efficiency ratio | 76.0162% | 2,946 |
Assets per employee ($millions) | 2.6646% | 6,828 |
Cash dividends to net income (ytd only)* | 65.2861% | 1,054 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1374% | 5,768 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2393% | 6,770 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 61.1613% | 4,687 |
Net loans and leases to deposits | 70.2486% | 5,111 |
Net loans and leases to core deposits | 74.7833% | 5,195 |
Total domestic deposits to total assets | 87.0641% | 2,490 |
Equity capital to assets | 9.7619% | 4,460 |
Core capital (leverage) ratio | 9.1929% | 4,383 |
Tier 1 risk-based capital ratio | 14.2746% | 3,651 |
Total risk-based capital ratio | 15.3776% | 3,721 |
Memoranda: | ||
Average total assets | $207,948,250 | 3,044 |
Average earning assets | $189,208,000 | 3,055 |
Average equity | $19,796,750 | 3,214 |
Average total loans | $128,516,000 | 3,190 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3492% | 3,220 |
Cost of funding earning assets | 1.5129% | 3,184 |
Net interest margin | 3.8363% | 3,730 |
Noninterest income to average assets | 1.2628% | 808 |
Noninterest expense to average assets | 3.7477% | 1,454 |
Loan and lease loss provision to assets | 0.1581% | 5,310 |
Net operating income to assets | 0.8419% | 2,766 |
Return on assets (ROA) | 0.7682% | 3,261 |
Pretax return on assets | 0.7682% | 3,989 |
Return on Equity (ROE) | 8.1401% | 2,834 |
Retained earnings to average equity (ytd only) | 2.3125% | 4,687 |
Net charge-offs to loans | 0.2653% | 4,015 |
Credit loss provision to net charge-offs | 96.4497% | 4,226 |
Earnings coverage of net charge-offs (x) | 6.1006% | 2,524 |
Efficiency ratio | 78.9377% | 2,583 |
Assets per employee ($millions) | 2.6670% | 6,832 |
Cash dividends to net income (ytd only)* | 71.5909% | 988 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1490% | 5,693 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2452% | 6,788 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 62.1991% | 4,645 |
Net loans and leases to deposits | 71.5307% | 5,067 |
Net loans and leases to core deposits | 75.5314% | 5,246 |
Total domestic deposits to total assets | 86.9544% | 2,551 |
Equity capital to assets | 9.8503% | 4,202 |
Core capital (leverage) ratio | 9.2903% | 4,137 |
Tier 1 risk-based capital ratio | 14.4408% | 3,477 |
Total risk-based capital ratio | 15.5821% | 3,491 |
Memoranda: | ||
Average total assets | $206,209,000 | 3,091 |
Average earning assets | $187,316,670 | 3,099 |
Average equity | $19,459,330 | 3,248 |
Average total loans | $127,396,330 | 3,250 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2565% | 3,752 |
Cost of funding earning assets | 1.7579% | 2,087 |
Net interest margin | 3.4986% | 5,163 |
Noninterest income to average assets | 1.1924% | 858 |
Noninterest expense to average assets | 3.7350% | 1,446 |
Loan and lease loss provision to assets | 0.2202% | 4,296 |
Net operating income to assets | 0.4169% | 4,766 |
Return on assets (ROA) | 0.4169% | 4,908 |
Pretax return on assets | 0.4169% | 5,241 |
Return on Equity (ROE) | 4.5187% | 4,646 |
Retained earnings to average equity (ytd only) | -1.4358% | 6,113 |
Net charge-offs to loans | 0.4552% | 2,683 |
Credit loss provision to net charge-offs | 79.0210% | 3,902 |
Earnings coverage of net charge-offs (x) | 2.2867% | 3,394 |
Efficiency ratio | 85.4278% | 1,859 |
Assets per employee ($millions) | 2.5170% | 7,176 |
Cash dividends to net income (ytd only)* | 131.7757% | 380 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1831% | 5,585 |
Loan loss allowance to noncurrent loans | 2,144.9275% | 176 |
Noncurrent assets plus other real estate owned to assets | 0.2104% | 6,937 |
Noncurrent loans to loans | 0.0552% | 7,264 |
Net loans and leases to total assets | 60.6290% | 5,012 |
Net loans and leases to deposits | 69.6800% | 5,395 |
Net loans and leases to core deposits | 72.0373% | 5,710 |
Total domestic deposits to total assets | 87.0106% | 2,627 |
Equity capital to assets | 9.7905% | 4,125 |
Core capital (leverage) ratio | 9.0870% | 4,402 |
Tier 1 risk-based capital ratio | 14.0165% | 3,644 |
Total risk-based capital ratio | 15.1300% | 3,704 |
Memoranda: | ||
Average total assets | $205,301,500 | 3,153 |
Average earning assets | $186,588,000 | 3,169 |
Average equity | $18,943,500 | 3,329 |
Average total loans | $125,648,000 | 3,354 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6755% | 3,226 |
Cost of funding earning assets | 2.0514% | 2,716 |
Net interest margin | 3.6241% | 4,454 |
Noninterest income to average assets | 1.2266% | 1,009 |
Noninterest expense to average assets | 3.7829% | 1,733 |
Loan and lease loss provision to assets | 0.2890% | 5,119 |
Net operating income to assets | 0.4523% | 3,918 |
Return on assets (ROA) | 1.0126% | 1,849 |
Pretax return on assets | 1.0126% | 2,550 |
Return on Equity (ROE) | 12.0707% | 1,144 |
Retained earnings to average equity (ytd only) | 5.5912% | 1,530 |
Net charge-offs to loans | 0.1807% | 5,516 |
Credit loss provision to net charge-offs | 276.2557% | 1,241 |
Earnings coverage of net charge-offs (x) | 7.0868% | 2,221 |
Efficiency ratio | 83.6149% | 2,399 |
Assets per employee ($millions) | 2.5210% | 7,175 |
Cash dividends to net income (ytd only)* | 53.6792% | 2,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1965% | 5,387 |
Loan loss allowance to noncurrent loans | 762.6263% | 448 |
Noncurrent assets plus other real estate owned to assets | 0.2699% | 6,778 |
Noncurrent loans to loans | 0.1569% | 7,034 |
Net loans and leases to total assets | 60.3201% | 5,288 |
Net loans and leases to deposits | 70.5991% | 5,525 |
Net loans and leases to core deposits | 85.4327% | 5,581 |
Total domestic deposits to total assets | 85.4403% | 3,325 |
Equity capital to assets | 8.6715% | 5,628 |
Core capital (leverage) ratio | 8.1971% | 5,814 |
Tier 1 risk-based capital ratio | 11.8507% | 5,072 |
Total risk-based capital ratio | 12.9226% | 5,181 |
Memoranda: | ||
Average total assets | $209,365,000 | 3,068 |
Average earning assets | $190,504,600 | 3,090 |
Average equity | $17,563,200 | 3,577 |
Average total loans | $121,217,200 | 3,459 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7358% | 3,159 |
Cost of funding earning assets | 2.2019% | 2,410 |
Net interest margin | 3.5338% | 4,723 |
Noninterest income to average assets | 1.1979% | 1,076 |
Noninterest expense to average assets | 3.7385% | 1,727 |
Loan and lease loss provision to assets | 0.3015% | 4,563 |
Net operating income to assets | 0.3733% | 4,500 |
Return on assets (ROA) | 0.8596% | 2,643 |
Pretax return on assets | 0.8596% | 3,360 |
Return on Equity (ROE) | 10.3322% | 1,806 |
Retained earnings to average equity (ytd only) | 2.6555% | 3,845 |
Net charge-offs to loans | 0.1789% | 4,960 |
Credit loss provision to net charge-offs | 295.0311% | 1,402 |
Earnings coverage of net charge-offs (x) | 6.6025% | 2,571 |
Efficiency ratio | 84.7094% | 2,221 |
Assets per employee ($millions) | 2.5259% | 7,187 |
Cash dividends to net income (ytd only)* | 74.2983% | 1,127 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1373% | 5,491 |
Loan loss allowance to noncurrent loans | 1,396.1165% | 269 |
Noncurrent assets plus other real estate owned to assets | 0.2320% | 6,936 |
Noncurrent loans to loans | 0.0815% | 7,285 |
Net loans and leases to total assets | 62.6448% | 5,128 |
Net loans and leases to deposits | 74.4661% | 5,298 |
Net loans and leases to core deposits | 88.1794% | 5,626 |
Total domestic deposits to total assets | 84.1253% | 3,664 |
Equity capital to assets | 8.9474% | 5,562 |
Core capital (leverage) ratio | 7.9008% | 6,502 |
Tier 1 risk-based capital ratio | 11.7468% | 5,204 |
Total risk-based capital ratio | 12.8049% | 5,323 |
Memoranda: | ||
Average total assets | $210,025,750 | 3,087 |
Average earning assets | $191,100,000 | 3,101 |
Average equity | $17,472,500 | 3,619 |
Average total loans | $119,970,250 | 3,509 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7509% | 3,290 |
Cost of funding earning assets | 2.3481% | 2,166 |
Net interest margin | 3.4028% | 5,154 |
Noninterest income to average assets | 1.1802% | 1,121 |
Noninterest expense to average assets | 3.5688% | 2,147 |
Loan and lease loss provision to assets | 0.3278% | 3,971 |
Net operating income to assets | 0.3840% | 4,570 |
Return on assets (ROA) | 0.8449% | 2,776 |
Pretax return on assets | 0.8449% | 3,523 |
Return on Equity (ROE) | 10.4005% | 1,886 |
Retained earnings to average equity (ytd only) | 2.9057% | 3,711 |
Net charge-offs to loans | 0.1952% | 4,319 |
Credit loss provision to net charge-offs | 304.3478% | 1,526 |
Earnings coverage of net charge-offs (x) | 6.6087% | 2,587 |
Efficiency ratio | 83.3698% | 2,559 |
Assets per employee ($millions) | 2.4081% | 7,415 |
Cash dividends to net income (ytd only)* | 72.0621% | 1,307 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1072% | 5,551 |
Loan loss allowance to noncurrent loans | 5,908.6957% | 83 |
Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,929 |
Noncurrent loans to loans | 0.0187% | 7,501 |
Net loans and leases to total assets | 59.3048% | 5,791 |
Net loans and leases to deposits | 72.2242% | 5,706 |
Net loans and leases to core deposits | 83.6409% | 6,113 |
Total domestic deposits to total assets | 82.1120% | 4,641 |
Equity capital to assets | 8.3362% | 6,283 |
Core capital (leverage) ratio | 7.4107% | 7,126 |
Tier 1 risk-based capital ratio | 11.6659% | 5,228 |
Total risk-based capital ratio | 12.6704% | 5,384 |
Memoranda: | ||
Average total assets | $213,519,670 | 3,065 |
Average earning assets | $194,543,330 | 3,080 |
Average equity | $17,345,330 | 3,648 |
Average total loans | $117,813,000 | 3,581 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7253% | 3,669 |
Cost of funding earning assets | 2.3992% | 2,300 |
Net interest margin | 3.3260% | 5,417 |
Noninterest income to average assets | 1.1379% | 1,138 |
Noninterest expense to average assets | 3.3312% | 2,563 |
Loan and lease loss provision to assets | 0.5047% | 2,451 |
Net operating income to assets | 0.3451% | 5,089 |
Return on assets (ROA) | 0.9783% | 2,532 |
Pretax return on assets | 0.9783% | 3,429 |
Return on Equity (ROE) | 12.1923% | 1,603 |
Retained earnings to average equity (ytd only) | 5.9474% | 2,655 |
Net charge-offs to loans | 0.2601% | 3,101 |
Credit loss provision to net charge-offs | 366.6667% | 1,389 |
Earnings coverage of net charge-offs (x) | 6.1733% | 2,531 |
Efficiency ratio | 79.6752% | 2,866 |
Assets per employee ($millions) | 2.9000% | 6,413 |
Cash dividends to net income (ytd only)* | 51.2195% | 1,722 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1294% | 5,264 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2019% | 6,921 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 52.5912% | 6,622 |
Net loans and leases to deposits | 62.7259% | 6,674 |
Net loans and leases to core deposits | 70.3500% | 7,000 |
Total domestic deposits to total assets | 83.8429% | 3,776 |
Equity capital to assets | 7.9320% | 6,915 |
Core capital (leverage) ratio | 7.2027% | 7,477 |
Tier 1 risk-based capital ratio | 12.0466% | 4,927 |
Total risk-based capital ratio | 13.0574% | 5,032 |
Memoranda: | ||
Average total assets | $217,937,000 | 3,014 |
Average earning assets | $199,397,000 | 3,021 |
Average equity | $17,486,500 | 3,640 |
Average total loans | $115,346,000 | 3,666 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1392% | 4,840 |
Cost of funding earning assets | 2.6917% | 3,196 |
Net interest margin | 3.4475% | 5,473 |
Noninterest income to average assets | 1.1977% | 1,048 |
Noninterest expense to average assets | 3.1753% | 3,427 |
Loan and lease loss provision to assets | 0.4005% | 3,282 |
Net operating income to assets | 0.7813% | 3,517 |
Return on assets (ROA) | 1.0197% | 2,362 |
Pretax return on assets | 1.0197% | 3,315 |
Return on Equity (ROE) | 12.7932% | 1,385 |
Retained earnings to average equity (ytd only) | 4.1822% | 2,521 |
Net charge-offs to loans | 0.9654% | 1,277 |
Credit loss provision to net charge-offs | 83.2502% | 5,837 |
Earnings coverage of net charge-offs (x) | 2.4566% | 4,851 |
Efficiency ratio | 72.8754% | 3,774 |
Assets per employee ($millions) | 2.7984% | 6,560 |
Cash dividends to net income (ytd only)* | 67.3095% | 2,309 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9907% | 6,141 |
Loan loss allowance to noncurrent loans | 653.4884% | 692 |
Noncurrent assets plus other real estate owned to assets | 0.2529% | 6,563 |
Noncurrent loans to loans | 0.1516% | 6,959 |
Net loans and leases to total assets | 52.1330% | 6,836 |
Net loans and leases to deposits | 62.1540% | 6,933 |
Net loans and leases to core deposits | 68.6085% | 7,263 |
Total domestic deposits to total assets | 83.8771% | 3,383 |
Equity capital to assets | 8.1174% | 6,673 |
Core capital (leverage) ratio | 7.3022% | 7,416 |
Tier 1 risk-based capital ratio | 12.2465% | 4,633 |
Total risk-based capital ratio | 13.1286% | 4,818 |
Memoranda: | ||
Average total assets | $208,486,200 | 3,025 |
Average earning assets | $191,068,400 | 3,024 |
Average equity | $16,618,200 | 3,802 |
Average total loans | $103,891,200 | 3,851 |