Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7110% | 3,525 |
Cost of funding earning assets | 1.0355% | 4,009 |
Net interest margin | 3.6756% | 1,697 |
Noninterest income to average assets | 0.5100% | 1,850 |
Noninterest expense to average assets | 3.4775% | 594 |
Loan and lease loss provision to assets | 0.0000% | 3,009 |
Net operating income to assets | 0.4968% | 3,477 |
Return on assets (ROA) | 0.5309% | 3,417 |
Pretax return on assets | 0.5309% | 3,595 |
Return on Equity (ROE) | 7.2800% | 2,958 |
Retained earnings to average equity (ytd only) | 2.4268% | 3,340 |
Net charge-offs to loans | 0.0044% | 2,539 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 189.5000% | 537 |
Efficiency ratio | 87.5000% | 638 |
Assets per employee ($millions) | 4.3522% | 3,986 |
Cash dividends to net income (ytd only)* | 66.6667% | 788 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1393% | 2,545 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
Noncurrent loans to loans | 0.0000% | 3,830 |
Net loans and leases to total assets | 59.8100% | 2,940 |
Net loans and leases to deposits | 71.0049% | 2,898 |
Net loans and leases to core deposits | 75.0370% | 3,120 |
Total domestic deposits to total assets | 84.2400% | 2,532 |
Equity capital to assets | 8.0718% | 3,664 |
Core capital (leverage) ratio | 10.8870% | 2,120 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,827 |
Memoranda: | ||
Average total assets | $101,717,750 | 3,774 |
Average earning assets | $95,800,750 | 3,744 |
Average equity | $7,417,000 | 4,038 |
Average total loans | $60,953,250 | 3,685 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6556% | 3,548 |
Cost of funding earning assets | 1.0178% | 3,998 |
Net interest margin | 3.6379% | 1,717 |
Noninterest income to average assets | 0.5000% | 1,865 |
Noninterest expense to average assets | 3.5030% | 569 |
Loan and lease loss provision to assets | 0.0000% | 2,867 |
Net operating income to assets | 0.4342% | 3,594 |
Return on assets (ROA) | 0.4851% | 3,506 |
Pretax return on assets | 0.4851% | 3,655 |
Return on Equity (ROE) | 6.8900% | 3,026 |
Retained earnings to average equity (ytd only) | 1.8899% | 3,383 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 88.9717% | 617 |
Assets per employee ($millions) | 4.0256% | 4,120 |
Cash dividends to net income (ytd only)* | 72.5806% | 794 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1273% | 2,630 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 60.0400% | 2,952 |
Net loans and leases to deposits | 70.0821% | 2,982 |
Net loans and leases to core deposits | 72.3380% | 3,246 |
Total domestic deposits to total assets | 85.6800% | 2,081 |
Equity capital to assets | 7.1254% | 3,891 |
Core capital (leverage) ratio | 10.6173% | 2,280 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,851 |
Memoranda: | ||
Average total assets | $102,256,667 | 3,788 |
Average earning assets | $96,485,333 | 3,755 |
Average equity | $7,196,000 | 4,051 |
Average total loans | $61,083,667 | 3,696 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5906% | 3,541 |
Cost of funding earning assets | 0.9805% | 4,005 |
Net interest margin | 3.6101% | 1,712 |
Noninterest income to average assets | 0.4900% | 1,833 |
Noninterest expense to average assets | 3.4774% | 582 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 0.4269% | 3,548 |
Return on assets (ROA) | 0.4269% | 3,567 |
Pretax return on assets | 0.4269% | 3,709 |
Return on Equity (ROE) | 6.1000% | 3,188 |
Retained earnings to average equity (ytd only) | 1.1098% | 3,471 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 89.0656% | 630 |
Assets per employee ($millions) | 3.9412% | 4,169 |
Cash dividends to net income (ytd only)* | 81.8182% | 697 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1259% | 2,681 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
Noncurrent loans to loans | 0.0000% | 3,844 |
Net loans and leases to total assets | 59.0500% | 2,957 |
Net loans and leases to deposits | 68.7087% | 2,992 |
Net loans and leases to core deposits | 70.8445% | 3,281 |
Total domestic deposits to total assets | 85.9400% | 2,124 |
Equity capital to assets | 6.9180% | 3,930 |
Core capital (leverage) ratio | 10.3149% | 2,485 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,874 |
Memoranda: | ||
Average total assets | $103,065,000 | 3,801 |
Average earning assets | $97,504,000 | 3,768 |
Average equity | $7,208,500 | 4,071 |
Average total loans | $61,066,500 | 3,708 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2384% | 3,555 |
Cost of funding earning assets | 0.5693% | 4,114 |
Net interest margin | 3.6692% | 1,812 |
Noninterest income to average assets | 0.6400% | 1,394 |
Noninterest expense to average assets | 3.2926% | 746 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.8107% | 2,834 |
Return on assets (ROA) | 0.6633% | 3,268 |
Pretax return on assets | 0.6633% | 3,514 |
Return on Equity (ROE) | 11.1400% | 2,188 |
Retained earnings to average equity (ytd only) | 4.6296% | 2,743 |
Net charge-offs to loans | 0.0217% | 1,897 |
Credit loss provision to net charge-offs | 15.3846% | 2,327 |
Earnings coverage of net charge-offs (x) | 65.3077% | 1,139 |
Efficiency ratio | 80.2052% | 902 |
Assets per employee ($millions) | 3.9868% | 4,163 |
Cash dividends to net income (ytd only)* | 58.4416% | 1,261 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1307% | 2,655 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 58.1200% | 3,027 |
Net loans and leases to deposits | 67.7317% | 3,055 |
Net loans and leases to core deposits | 69.7655% | 3,320 |
Total domestic deposits to total assets | 85.8100% | 2,069 |
Equity capital to assets | 7.0694% | 3,913 |
Core capital (leverage) ratio | 10.6870% | 2,192 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $104,477,400 | 3,789 |
Average earning assets | $98,550,600 | 3,757 |
Average equity | $6,220,800 | 4,139 |
Average total loans | $59,857,800 | 3,713 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1720% | 3,522 |
Cost of funding earning assets | 0.4810% | 4,161 |
Net interest margin | 3.6910% | 1,795 |
Noninterest income to average assets | 0.6900% | 1,217 |
Noninterest expense to average assets | 3.3192% | 706 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.8483% | 2,869 |
Return on assets (ROA) | 0.6521% | 3,417 |
Pretax return on assets | 0.6521% | 3,641 |
Return on Equity (ROE) | 11.4800% | 2,257 |
Retained earnings to average equity (ytd only) | 4.4189% | 3,142 |
Net charge-offs to loans | 0.0246% | 1,587 |
Credit loss provision to net charge-offs | 9.0909% | 2,037 |
Earnings coverage of net charge-offs (x) | 60.6364% | 1,198 |
Efficiency ratio | 79.6211% | 882 |
Assets per employee ($millions) | 4.0568% | 4,143 |
Cash dividends to net income (ytd only)* | 61.5234% | 890 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1596% | 2,575 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 57.9900% | 3,028 |
Net loans and leases to deposits | 68.5993% | 2,934 |
Net loans and leases to core deposits | 70.7022% | 3,179 |
Total domestic deposits to total assets | 84.5400% | 2,636 |
Equity capital to assets | 5.3076% | 4,192 |
Core capital (leverage) ratio | 10.5049% | 2,386 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $104,682,250 | 3,797 |
Average earning assets | $98,687,000 | 3,773 |
Average equity | $5,944,000 | 4,175 |
Average total loans | $59,588,500 | 3,722 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0987% | 3,497 |
Cost of funding earning assets | 0.3721% | 4,208 |
Net interest margin | 3.7266% | 1,767 |
Noninterest income to average assets | 0.5200% | 1,794 |
Noninterest expense to average assets | 3.3091% | 685 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.7375% | 3,249 |
Return on assets (ROA) | 0.4463% | 3,926 |
Pretax return on assets | 0.4463% | 4,048 |
Return on Equity (ROE) | 7.7000% | 3,316 |
Retained earnings to average equity (ytd only) | 0.8481% | 3,935 |
Net charge-offs to loans | 0.0335% | 1,226 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 39.0000% | 1,418 |
Efficiency ratio | 81.7757% | 724 |
Assets per employee ($millions) | 4.1209% | 4,136 |
Cash dividends to net income (ytd only)* | 88.9831% | 433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1663% | 2,616 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 56.8400% | 3,058 |
Net loans and leases to deposits | 65.3227% | 3,101 |
Net loans and leases to core deposits | 67.8171% | 3,241 |
Total domestic deposits to total assets | 87.0100% | 1,922 |
Equity capital to assets | 5.9229% | 4,184 |
Core capital (leverage) ratio | 10.0449% | 2,708 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $105,769,667 | 3,805 |
Average earning assets | $99,983,667 | 3,775 |
Average equity | $6,131,000 | 4,180 |
Average total loans | $59,616,333 | 3,726 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0362% | 3,383 |
Cost of funding earning assets | 0.1856% | 4,403 |
Net interest margin | 3.8506% | 1,577 |
Noninterest income to average assets | 0.5100% | 1,809 |
Noninterest expense to average assets | 3.2816% | 715 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.8699% | 2,958 |
Return on assets (ROA) | 0.8699% | 2,911 |
Pretax return on assets | 0.8699% | 3,310 |
Return on Equity (ROE) | 15.1700% | 1,524 |
Retained earnings to average equity (ytd only) | 7.3550% | 2,407 |
Net charge-offs to loans | -0.0067% | 3,729 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 79.0468% | 901 |
Assets per employee ($millions) | 3.9977% | 4,245 |
Cash dividends to net income (ytd only)* | 51.5021% | 1,160 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1816% | 2,652 |
Loan loss allowance to noncurrent loans | 934.6667% | 1,038 |
Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,070 |
Noncurrent loans to loans | 0.1264% | 2,881 |
Net loans and leases to total assets | 56.4000% | 3,012 |
Net loans and leases to deposits | 60.2487% | 3,316 |
Net loans and leases to core deposits | 62.7616% | 3,403 |
Total domestic deposits to total assets | 93.6200% | 211 |
Equity capital to assets | 6.0024% | 4,200 |
Core capital (leverage) ratio | 9.7173% | 2,980 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $107,143,000 | 3,843 |
Average earning assets | $101,284,000 | 3,808 |
Average equity | $6,145,500 | 4,226 |
Average total loans | $59,802,000 | 3,763 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5099% | 3,048 |
Cost of funding earning assets | 0.0974% | 4,404 |
Net interest margin | 3.4125% | 2,213 |
Noninterest income to average assets | 0.5900% | 1,691 |
Noninterest expense to average assets | 3.1541% | 774 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.6496% | 3,759 |
Return on assets (ROA) | 0.6496% | 3,709 |
Pretax return on assets | 0.6496% | 3,947 |
Return on Equity (ROE) | 10.0100% | 2,799 |
Retained earnings to average equity (ytd only) | 5.0117% | 3,046 |
Net charge-offs to loans | 0.0527% | 1,143 |
Credit loss provision to net charge-offs | 6.4516% | 1,964 |
Earnings coverage of net charge-offs (x) | 23.3226% | 1,817 |
Efficiency ratio | 82.8835% | 548 |
Assets per employee ($millions) | 4.5977% | 3,970 |
Cash dividends to net income (ytd only)* | 49.9307% | 1,392 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1945% | 2,417 |
Loan loss allowance to noncurrent loans | 960.0000% | 1,021 |
Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,113 |
Noncurrent loans to loans | 0.1244% | 2,892 |
Net loans and leases to total assets | 53.9700% | 3,203 |
Net loans and leases to deposits | 57.2249% | 3,500 |
Net loans and leases to core deposits | 58.8099% | 3,564 |
Total domestic deposits to total assets | 94.3200% | 208 |
Equity capital to assets | 5.4846% | 4,242 |
Core capital (leverage) ratio | 9.8737% | 2,767 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $110,997,400 | 3,825 |
Average earning assets | $104,704,800 | 3,792 |
Average equity | $7,203,200 | 4,183 |
Average total loans | $58,778,200 | 3,752 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4251% | 2,845 |
Cost of funding earning assets | 0.0878% | 4,366 |
Net interest margin | 3.3373% | 2,177 |
Noninterest income to average assets | 0.6000% | 1,705 |
Noninterest expense to average assets | 3.1701% | 715 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.5781% | 3,891 |
Return on assets (ROA) | 0.5781% | 3,843 |
Pretax return on assets | 0.5781% | 4,027 |
Return on Equity (ROE) | 8.5800% | 3,151 |
Retained earnings to average equity (ytd only) | 4.8412% | 3,153 |
Net charge-offs to loans | 0.0616% | 872 |
Credit loss provision to net charge-offs | 3.7037% | 1,675 |
Earnings coverage of net charge-offs (x) | 17.8889% | 1,776 |
Efficiency ratio | 84.5489% | 517 |
Assets per employee ($millions) | 3.9880% | 4,329 |
Cash dividends to net income (ytd only)* | 43.5685% | 1,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2189% | 2,429 |
Loan loss allowance to noncurrent loans | 964.0000% | 1,000 |
Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,172 |
Noncurrent loans to loans | 0.1264% | 3,006 |
Net loans and leases to total assets | 56.5100% | 2,853 |
Net loans and leases to deposits | 59.4018% | 3,252 |
Net loans and leases to core deposits | 60.2373% | 3,365 |
Total domestic deposits to total assets | 95.1300% | 201 |
Equity capital to assets | 4.6437% | 4,365 |
Core capital (leverage) ratio | 9.6626% | 2,900 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $111,160,500 | 3,847 |
Average earning assets | $104,832,000 | 3,808 |
Average equity | $7,491,000 | 4,194 |
Average total loans | $58,403,250 | 3,770 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2463% | 2,904 |
Cost of funding earning assets | 0.0820% | 4,358 |
Net interest margin | 3.1643% | 2,311 |
Noninterest income to average assets | 0.6089% | 1,699 |
Noninterest expense to average assets | 3.1078% | 722 |
Loan and lease loss provision to assets | 0.0018% | 2,576 |
Net operating income to assets | 0.4857% | 3,932 |
Return on assets (ROA) | 0.4857% | 3,883 |
Pretax return on assets | 0.4857% | 4,024 |
Return on Equity (ROE) | 6.5848% | 3,428 |
Retained earnings to average equity (ytd only) | 3.7218% | 3,194 |
Net charge-offs to loans | 0.0138% | 1,502 |
Credit loss provision to net charge-offs | 25.0000% | 1,585 |
Earnings coverage of net charge-offs (x) | 69.2500% | 1,010 |
Efficiency ratio | 86.4415% | 563 |
Assets per employee ($millions) | 4.4825% | 4,082 |
Cash dividends to net income (ytd only)* | 43.4783% | 1,592 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3086% | 2,154 |
Loan loss allowance to noncurrent loans | 993.3333% | 939 |
Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,272 |
Noncurrent loans to loans | 0.1317% | 3,056 |
Net loans and leases to total assets | 52.2277% | 3,128 |
Net loans and leases to deposits | 55.1904% | 3,448 |
Net loans and leases to core deposits | 55.9393% | 3,570 |
Total domestic deposits to total assets | 94.6319% | 188 |
Equity capital to assets | 5.1832% | 4,436 |
Core capital (leverage) ratio | 9.2372% | 3,212 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $113,651,000 | 3,854 |
Average earning assets | $107,259,000 | 3,835 |
Average equity | $8,383,000 | 4,161 |
Average total loans | $58,099,667 | 3,820 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1219% | 2,905 |
Cost of funding earning assets | 0.0869% | 4,282 |
Net interest margin | 3.0350% | 2,384 |
Noninterest income to average assets | 0.6582% | 1,452 |
Noninterest expense to average assets | 3.0509% | 756 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.4799% | 3,762 |
Return on assets (ROA) | 0.4799% | 3,730 |
Pretax return on assets | 0.4799% | 3,903 |
Return on Equity (ROE) | 5.7222% | 3,425 |
Retained earnings to average equity (ytd only) | 3.2698% | 3,173 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.4078% | 715 |
Assets per employee ($millions) | 4.5822% | 4,089 |
Cash dividends to net income (ytd only)* | 42.8571% | 1,439 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2933% | 2,401 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 49.9031% | 3,188 |
Net loans and leases to deposits | 56.2142% | 3,251 |
Net loans and leases to core deposits | 56.9773% | 3,379 |
Total domestic deposits to total assets | 88.7732% | 2,180 |
Equity capital to assets | 7.5570% | 3,895 |
Core capital (leverage) ratio | 8.5685% | 3,794 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $116,687,000 | 3,847 |
Average earning assets | $110,444,000 | 3,814 |
Average equity | $9,786,500 | 4,079 |
Average total loans | $58,684,000 | 3,812 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4815% | 2,713 |
Cost of funding earning assets | 0.0824% | 4,518 |
Net interest margin | 3.3990% | 2,037 |
Noninterest income to average assets | 0.7474% | 1,604 |
Noninterest expense to average assets | 3.1040% | 836 |
Loan and lease loss provision to assets | 0.0018% | 3,038 |
Net operating income to assets | 0.8670% | 3,144 |
Return on assets (ROA) | 0.8670% | 3,203 |
Pretax return on assets | 0.8555% | 3,606 |
Return on Equity (ROE) | 8.9641% | 2,924 |
Retained earnings to average equity (ytd only) | 4.7064% | 2,919 |
Net charge-offs to loans | 0.0165% | 1,965 |
Credit loss provision to net charge-offs | 20.0000% | 2,275 |
Earnings coverage of net charge-offs (x) | 96.8000% | 896 |
Efficiency ratio | 78.3590% | 920 |
Assets per employee ($millions) | 4.7527% | 3,926 |
Cash dividends to net income (ytd only)* | 47.4974% | 1,653 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2598% | 2,568 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 49.4058% | 3,361 |
Net loans and leases to deposits | 56.6478% | 3,367 |
Net loans and leases to core deposits | 57.3995% | 3,523 |
Total domestic deposits to total assets | 87.2157% | 2,428 |
Equity capital to assets | 9.1872% | 3,435 |
Core capital (leverage) ratio | 8.6761% | 3,747 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $112,919,000 | 3,870 |
Average earning assets | $106,765,400 | 3,838 |
Average equity | $10,921,400 | 4,048 |
Average total loans | $60,532,200 | 3,803 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6190% | 2,501 |
Cost of funding earning assets | 0.0836% | 4,619 |
Net interest margin | 3.5353% | 1,771 |
Noninterest income to average assets | 0.7537% | 1,661 |
Noninterest expense to average assets | 3.1285% | 781 |
Loan and lease loss provision to assets | 0.0009% | 2,948 |
Net operating income to assets | 0.9774% | 2,995 |
Return on assets (ROA) | 0.9774% | 3,076 |
Pretax return on assets | 0.9619% | 3,558 |
Return on Equity (ROE) | 9.9728% | 2,742 |
Retained earnings to average equity (ytd only) | 5.0291% | 3,209 |
Net charge-offs to loans | 0.0110% | 1,920 |
Credit loss provision to net charge-offs | 20.0000% | 1,988 |
Earnings coverage of net charge-offs (x) | 161.0000% | 643 |
Efficiency ratio | 76.4620% | 1,007 |
Assets per employee ($millions) | 4.2436% | 4,306 |
Cash dividends to net income (ytd only)* | 49.5716% | 1,216 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2394% | 2,797 |
Loan loss allowance to noncurrent loans | 1,396.2963% | 611 |
Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,837 |
Noncurrent loans to loans | 0.0888% | 3,638 |
Net loans and leases to total assets | 52.4368% | 3,150 |
Net loans and leases to deposits | 60.5070% | 3,190 |
Net loans and leases to core deposits | 61.3453% | 3,378 |
Total domestic deposits to total assets | 86.6624% | 2,484 |
Equity capital to assets | 9.6423% | 3,257 |
Core capital (leverage) ratio | 8.6700% | 3,877 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $111,444,250 | 3,930 |
Average earning assets | $105,220,750 | 3,900 |
Average equity | $10,922,750 | 4,100 |
Average total loans | $60,802,250 | 3,853 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8621% | 1,912 |
Cost of funding earning assets | 0.0826% | 4,685 |
Net interest margin | 3.7796% | 1,173 |
Noninterest income to average assets | 0.7989% | 1,535 |
Noninterest expense to average assets | 3.1449% | 788 |
Loan and lease loss provision to assets | 0.0018% | 2,839 |
Net operating income to assets | 1.2174% | 2,121 |
Return on assets (ROA) | 1.2174% | 2,199 |
Pretax return on assets | 1.2174% | 2,864 |
Return on Equity (ROE) | 12.3518% | 1,932 |
Retained earnings to average equity (ytd only) | 6.8376% | 2,491 |
Net charge-offs to loans | 0.0066% | 1,901 |
Credit loss provision to net charge-offs | 50.0000% | 1,603 |
Earnings coverage of net charge-offs (x) | 336.5000% | 346 |
Efficiency ratio | 72.0631% | 1,430 |
Assets per employee ($millions) | 4.2743% | 4,272 |
Cash dividends to net income (ytd only)* | 44.6429% | 1,407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2510% | 2,673 |
Loan loss allowance to noncurrent loans | 733.9806% | 939 |
Noncurrent assets plus other real estate owned to assets | 0.0927% | 3,586 |
Noncurrent loans to loans | 0.1704% | 3,364 |
Net loans and leases to total assets | 53.6988% | 3,165 |
Net loans and leases to deposits | 62.2202% | 3,178 |
Net loans and leases to core deposits | 62.6849% | 3,405 |
Total domestic deposits to total assets | 86.3045% | 2,628 |
Equity capital to assets | 9.9117% | 2,933 |
Core capital (leverage) ratio | 9.0245% | 3,424 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $110,399,667 | 3,958 |
Average earning assets | $104,139,000 | 3,930 |
Average equity | $10,881,000 | 4,114 |
Average total loans | $60,791,333 | 3,881 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2013% | 1,202 |
Cost of funding earning assets | 0.0811% | 4,740 |
Net interest margin | 4.1202% | 702 |
Noninterest income to average assets | 0.9088% | 1,304 |
Noninterest expense to average assets | 3.1699% | 745 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.6177% | 1,097 |
Return on assets (ROA) | 1.6177% | 1,147 |
Pretax return on assets | 1.6177% | 1,675 |
Return on Equity (ROE) | 16.4601% | 935 |
Retained earnings to average equity (ytd only) | 12.0215% | 1,140 |
Net charge-offs to loans | -0.0066% | 3,501 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.2111% | 2,195 |
Assets per employee ($millions) | 4.4038% | 4,195 |
Cash dividends to net income (ytd only)* | 26.9663% | 1,796 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2173% | 2,835 |
Loan loss allowance to noncurrent loans | 2,229.4118% | 335 |
Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,141 |
Noncurrent loans to loans | 0.0546% | 4,017 |
Net loans and leases to total assets | 55.8694% | 3,055 |
Net loans and leases to deposits | 65.5352% | 2,970 |
Net loans and leases to core deposits | 65.8157% | 3,260 |
Total domestic deposits to total assets | 85.2511% | 3,013 |
Equity capital to assets | 9.7043% | 2,994 |
Core capital (leverage) ratio | 9.6480% | 2,874 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $110,034,000 | 3,972 |
Average earning assets | $103,587,000 | 3,944 |
Average equity | $10,814,000 | 4,130 |
Average total loans | $60,971,000 | 3,900 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1738% | 2,223 |
Cost of funding earning assets | 0.1174% | 4,822 |
Net interest margin | 4.0564% | 860 |
Noninterest income to average assets | 0.9655% | 1,113 |
Noninterest expense to average assets | 3.3060% | 900 |
Loan and lease loss provision to assets | 0.0020% | 4,305 |
Net operating income to assets | 1.4723% | 872 |
Return on assets (ROA) | 1.4723% | 949 |
Pretax return on assets | 1.4723% | 1,433 |
Return on Equity (ROE) | 14.1229% | 782 |
Retained earnings to average equity (ytd only) | 5.1697% | 2,203 |
Net charge-offs to loans | 0.0036% | 3,246 |
Credit loss provision to net charge-offs | 100.0000% | 2,816 |
Earnings coverage of net charge-offs (x) | 734.5000% | 160 |
Efficiency ratio | 69.1581% | 2,072 |
Assets per employee ($millions) | 4.3989% | 4,018 |
Cash dividends to net income (ytd only)* | 63.3947% | 1,209 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2686% | 2,579 |
Loan loss allowance to noncurrent loans | 2,523.3333% | 330 |
Noncurrent assets plus other real estate owned to assets | 0.0273% | 4,234 |
Noncurrent loans to loans | 0.0503% | 4,094 |
Net loans and leases to total assets | 53.5745% | 3,528 |
Net loans and leases to deposits | 64.1860% | 3,422 |
Net loans and leases to core deposits | 64.3684% | 3,667 |
Total domestic deposits to total assets | 83.4676% | 3,273 |
Equity capital to assets | 9.9516% | 3,173 |
Core capital (leverage) ratio | 9.3670% | 3,262 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $99,638,400 | 4,003 |
Average earning assets | $93,703,400 | 3,980 |
Average equity | $10,387,400 | 4,163 |
Average total loans | $56,198,400 | 3,980 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3664% | 1,944 |
Cost of funding earning assets | 0.1270% | 4,863 |
Net interest margin | 4.2394% | 673 |
Noninterest income to average assets | 0.8984% | 1,227 |
Noninterest expense to average assets | 3.3369% | 860 |
Loan and lease loss provision to assets | 0.0010% | 4,232 |
Net operating income to assets | 1.5510% | 810 |
Return on assets (ROA) | 1.5510% | 887 |
Pretax return on assets | 1.5510% | 1,326 |
Return on Equity (ROE) | 14.6883% | 746 |
Retained earnings to average equity (ytd only) | 8.0532% | 1,291 |
Net charge-offs to loans | 0.0096% | 2,763 |
Credit loss provision to net charge-offs | 25.0000% | 2,969 |
Earnings coverage of net charge-offs (x) | 282.5000% | 382 |
Efficiency ratio | 68.2495% | 2,152 |
Assets per employee ($millions) | 4.4592% | 3,894 |
Cash dividends to net income (ytd only)* | 45.1727% | 1,708 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2767% | 2,257 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 56.9251% | 3,533 |
Net loans and leases to deposits | 70.4037% | 3,278 |
Net loans and leases to core deposits | 70.6252% | 3,580 |
Total domestic deposits to total assets | 80.8553% | 3,691 |
Equity capital to assets | 10.6561% | 2,666 |
Core capital (leverage) ratio | 9.7462% | 2,977 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $97,055,000 | 4,033 |
Average earning assets | $91,362,750 | 4,003 |
Average equity | $10,248,250 | 4,185 |
Average total loans | $55,329,500 | 4,015 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6479% | 1,542 |
Cost of funding earning assets | 0.1387% | 4,910 |
Net interest margin | 4.5093% | 490 |
Noninterest income to average assets | 0.8087% | 1,409 |
Noninterest expense to average assets | 3.3733% | 888 |
Loan and lease loss provision to assets | 0.0021% | 4,126 |
Net operating income to assets | 1.6677% | 655 |
Return on assets (ROA) | 1.6677% | 715 |
Pretax return on assets | 1.6677% | 1,059 |
Return on Equity (ROE) | 15.8462% | 592 |
Retained earnings to average equity (ytd only) | 11.6551% | 503 |
Net charge-offs to loans | -0.0074% | 4,120 |
Credit loss provision to net charge-offs | -50.0000% | 3,361 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.8888% | 2,397 |
Assets per employee ($millions) | 4.2555% | 4,050 |
Cash dividends to net income (ytd only)* | 26.4484% | 2,499 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3216% | 1,903 |
Loan loss allowance to noncurrent loans | 567.1642% | 906 |
Noncurrent assets plus other real estate owned to assets | 0.1260% | 3,899 |
Noncurrent loans to loans | 0.2330% | 3,542 |
Net loans and leases to total assets | 53.3387% | 3,933 |
Net loans and leases to deposits | 65.2538% | 3,783 |
Net loans and leases to core deposits | 65.4487% | 3,996 |
Total domestic deposits to total assets | 81.7404% | 3,440 |
Equity capital to assets | 10.0829% | 3,126 |
Core capital (leverage) ratio | 9.9784% | 2,864 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $95,219,667 | 4,055 |
Average earning assets | $89,416,000 | 4,033 |
Average equity | $10,021,333 | 4,216 |
Average total loans | $54,060,000 | 4,057 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2784% | 2,991 |
Cost of funding earning assets | 0.1815% | 4,925 |
Net interest margin | 4.0970% | 1,139 |
Noninterest income to average assets | 0.6114% | 1,991 |
Noninterest expense to average assets | 3.4361% | 1,024 |
Loan and lease loss provision to assets | 0.0045% | 3,685 |
Net operating income to assets | 0.9996% | 2,176 |
Return on assets (ROA) | 0.9996% | 2,280 |
Pretax return on assets | 0.9996% | 2,840 |
Return on Equity (ROE) | 9.2672% | 2,007 |
Retained earnings to average equity (ytd only) | 5.5438% | 2,051 |
Net charge-offs to loans | 0.0076% | 2,290 |
Credit loss provision to net charge-offs | 100.0000% | 1,808 |
Earnings coverage of net charge-offs (x) | 225.0000% | 309 |
Efficiency ratio | 77.3869% | 1,413 |
Assets per employee ($millions) | 3.4212% | 4,545 |
Cash dividends to net income (ytd only)* | 40.1786% | 1,880 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4374% | 1,559 |
Loan loss allowance to noncurrent loans | 461.5854% | 1,036 |
Noncurrent assets plus other real estate owned to assets | 0.1844% | 3,755 |
Noncurrent loans to loans | 0.3114% | 3,378 |
Net loans and leases to total assets | 58.3539% | 3,643 |
Net loans and leases to deposits | 65.7875% | 3,879 |
Net loans and leases to core deposits | 66.0042% | 4,083 |
Total domestic deposits to total assets | 88.7006% | 804 |
Equity capital to assets | 11.1420% | 2,736 |
Core capital (leverage) ratio | 9.7850% | 3,664 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $89,635,500 | 4,123 |
Average earning assets | $83,769,500 | 4,109 |
Average equity | $9,668,500 | 4,273 |
Average total loans | $52,337,000 | 4,105 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5329% | 2,835 |
Cost of funding earning assets | 0.1645% | 5,024 |
Net interest margin | 4.3685% | 953 |
Noninterest income to average assets | 0.7618% | 1,579 |
Noninterest expense to average assets | 3.6517% | 803 |
Loan and lease loss provision to assets | 0.0036% | 3,932 |
Net operating income to assets | 1.0605% | 2,615 |
Return on assets (ROA) | 1.0551% | 2,732 |
Pretax return on assets | 1.1540% | 3,001 |
Return on Equity (ROE) | 9.5775% | 2,487 |
Retained earnings to average equity (ytd only) | 0.1623% | 4,642 |
Net charge-offs to loans | -0.0425% | 4,794 |
Credit loss provision to net charge-offs | -14.2857% | 4,112 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.8356% | 1,389 |
Assets per employee ($millions) | 3.6128% | 4,358 |
Cash dividends to net income (ytd only)* | 98.3051% | 339 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4555% | 1,349 |
Loan loss allowance to noncurrent loans | 564.9254% | 888 |
Noncurrent assets plus other real estate owned to assets | 0.1484% | 3,890 |
Noncurrent loans to loans | 0.2576% | 3,528 |
Net loans and leases to total assets | 56.7466% | 3,870 |
Net loans and leases to deposits | 63.4822% | 4,107 |
Net loans and leases to core deposits | 63.8937% | 4,281 |
Total domestic deposits to total assets | 89.3898% | 531 |
Equity capital to assets | 10.4363% | 3,508 |
Core capital (leverage) ratio | 9.6174% | 3,939 |
Tier 1 risk-based capital ratio | 13.9202% | 3,310 |
Total risk-based capital ratio | 15.1862% | 3,208 |
Memoranda: | ||
Average total assets | $83,879,800 | 4,230 |
Average earning assets | $77,830,400 | 4,216 |
Average equity | $9,240,400 | 4,340 |
Average total loans | $49,381,400 | 4,199 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5776% | 2,800 |
Cost of funding earning assets | 0.1485% | 5,125 |
Net interest margin | 4.4291% | 887 |
Noninterest income to average assets | 0.7293% | 1,667 |
Noninterest expense to average assets | 3.6513% | 797 |
Loan and lease loss provision to assets | 0.0032% | 3,799 |
Net operating income to assets | 1.0758% | 2,663 |
Return on assets (ROA) | 1.1053% | 2,640 |
Pretax return on assets | 1.2155% | 2,936 |
Return on Equity (ROE) | 9.8903% | 2,478 |
Retained earnings to average equity (ytd only) | 5.5397% | 2,605 |
Net charge-offs to loans | -0.0575% | 4,868 |
Credit loss provision to net charge-offs | -9.5238% | 3,961 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4774% | 1,391 |
Assets per employee ($millions) | 3.3290% | 4,648 |
Cash dividends to net income (ytd only)* | 43.9883% | 1,972 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5077% | 1,226 |
Loan loss allowance to noncurrent loans | 609.6774% | 846 |
Noncurrent assets plus other real estate owned to assets | 0.1490% | 3,999 |
Noncurrent loans to loans | 0.2473% | 3,659 |
Net loans and leases to total assets | 59.3423% | 3,737 |
Net loans and leases to deposits | 67.9092% | 3,925 |
Net loans and leases to core deposits | 68.3983% | 4,144 |
Total domestic deposits to total assets | 87.3846% | 1,319 |
Equity capital to assets | 11.7851% | 2,426 |
Core capital (leverage) ratio | 10.5562% | 3,052 |
Tier 1 risk-based capital ratio | 14.8345% | 2,932 |
Total risk-based capital ratio | 16.0857% | 2,857 |
Memoranda: | ||
Average total assets | $82,270,000 | 4,306 |
Average earning assets | $76,311,000 | 4,294 |
Average equity | $9,194,000 | 4,392 |
Average total loans | $48,724,250 | 4,263 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5959% | 2,690 |
Cost of funding earning assets | 0.1472% | 5,166 |
Net interest margin | 4.4487% | 855 |
Noninterest income to average assets | 0.7029% | 1,702 |
Noninterest expense to average assets | 3.6802% | 769 |
Loan and lease loss provision to assets | 0.0024% | 3,658 |
Net operating income to assets | 1.0196% | 2,842 |
Return on assets (ROA) | 1.0152% | 2,942 |
Pretax return on assets | 1.1446% | 3,097 |
Return on Equity (ROE) | 9.2554% | 2,753 |
Retained earnings to average equity (ytd only) | 5.2507% | 2,641 |
Net charge-offs to loans | -0.0912% | 4,986 |
Credit loss provision to net charge-offs | -4.5455% | 3,750 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1616% | 1,374 |
Assets per employee ($millions) | 3.3017% | 4,694 |
Cash dividends to net income (ytd only)* | 43.2692% | 2,083 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5539% | 1,129 |
Loan loss allowance to noncurrent loans | 609.6774% | 859 |
Noncurrent assets plus other real estate owned to assets | 0.1502% | 4,015 |
Noncurrent loans to loans | 0.2549% | 3,619 |
Net loans and leases to total assets | 58.0262% | 3,911 |
Net loans and leases to deposits | 65.7433% | 4,116 |
Net loans and leases to core deposits | 66.2141% | 4,307 |
Total domestic deposits to total assets | 88.2617% | 984 |
Equity capital to assets | 11.4826% | 2,614 |
Core capital (leverage) ratio | 10.5455% | 3,040 |
Tier 1 risk-based capital ratio | 15.4328% | 2,648 |
Total risk-based capital ratio | 16.6991% | 2,567 |
Memoranda: | ||
Average total assets | $81,952,000 | 4,347 |
Average earning assets | $76,067,670 | 4,329 |
Average equity | $8,989,330 | 4,435 |
Average total loans | $48,251,330 | 4,295 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5265% | 2,783 |
Cost of funding earning assets | 0.1428% | 5,224 |
Net interest margin | 4.3837% | 935 |
Noninterest income to average assets | 0.6711% | 1,723 |
Noninterest expense to average assets | 3.6837% | 765 |
Loan and lease loss provision to assets | 0.0049% | 3,364 |
Net operating income to assets | 1.0434% | 2,685 |
Return on assets (ROA) | 1.0336% | 2,769 |
Pretax return on assets | 1.0336% | 3,334 |
Return on Equity (ROE) | 9.6512% | 2,520 |
Retained earnings to average equity (ytd only) | 5.5346% | 2,680 |
Net charge-offs to loans | -0.0083% | 4,160 |
Credit loss provision to net charge-offs | -100.0000% | 3,545 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8468% | 1,282 |
Assets per employee ($millions) | 3.2642% | 4,771 |
Cash dividends to net income (ytd only)* | 42.6540% | 1,846 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5434% | 1,200 |
Loan loss allowance to noncurrent loans | 592.7419% | 907 |
Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,046 |
Noncurrent loans to loans | 0.2604% | 3,632 |
Net loans and leases to total assets | 57.4580% | 3,946 |
Net loans and leases to deposits | 64.7347% | 4,141 |
Net loans and leases to core deposits | 65.2001% | 4,314 |
Total domestic deposits to total assets | 88.7591% | 975 |
Equity capital to assets | 11.0313% | 2,818 |
Core capital (leverage) ratio | 10.3081% | 3,266 |
Tier 1 risk-based capital ratio | 15.4257% | 2,685 |
Total risk-based capital ratio | 16.6923% | 2,589 |
Memoranda: | ||
Average total assets | $81,657,000 | 4,392 |
Average earning assets | $75,643,500 | 4,377 |
Average equity | $8,745,000 | 4,506 |
Average total loans | $48,051,000 | 4,351 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2085% | 3,421 |
Cost of funding earning assets | 0.1886% | 5,048 |
Net interest margin | 4.0200% | 1,922 |
Noninterest income to average assets | 0.6728% | 1,954 |
Noninterest expense to average assets | 3.4485% | 1,075 |
Loan and lease loss provision to assets | 0.0023% | 4,058 |
Net operating income to assets | 0.9194% | 3,368 |
Return on assets (ROA) | 0.8581% | 3,581 |
Pretax return on assets | 0.9130% | 3,860 |
Return on Equity (ROE) | 9.0440% | 2,974 |
Retained earnings to average equity (ytd only) | 4.7029% | 2,931 |
Net charge-offs to loans | -0.0020% | 4,234 |
Credit loss provision to net charge-offs | -200.0000% | 4,475 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8610% | 1,143 |
Assets per employee ($millions) | 3.1427% | 4,892 |
Cash dividends to net income (ytd only)* | 48.0000% | 2,070 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5120% | 1,254 |
Loan loss allowance to noncurrent loans | 591.1290% | 955 |
Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,070 |
Noncurrent loans to loans | 0.2558% | 3,664 |
Net loans and leases to total assets | 58.4335% | 3,918 |
Net loans and leases to deposits | 66.2835% | 4,095 |
Net loans and leases to core deposits | 66.5190% | 4,324 |
Total domestic deposits to total assets | 88.1569% | 1,233 |
Equity capital to assets | 10.3880% | 3,296 |
Core capital (leverage) ratio | 10.1544% | 3,404 |
Tier 1 risk-based capital ratio | 14.6542% | 2,991 |
Total risk-based capital ratio | 15.9209% | 2,908 |
Memoranda: | ||
Average total assets | $87,400,600 | 4,308 |
Average earning assets | $81,667,200 | 4,293 |
Average equity | $8,292,800 | 4,554 |
Average total loans | $50,103,400 | 4,316 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0769% | 3,713 |
Cost of funding earning assets | 0.1922% | 5,047 |
Net interest margin | 3.8848% | 2,362 |
Noninterest income to average assets | 0.6289% | 2,169 |
Noninterest expense to average assets | 3.3309% | 1,233 |
Loan and lease loss provision to assets | 0.0030% | 3,907 |
Net operating income to assets | 0.9367% | 3,364 |
Return on assets (ROA) | 0.8511% | 3,742 |
Pretax return on assets | 0.8511% | 4,165 |
Return on Equity (ROE) | 9.1701% | 3,013 |
Retained earnings to average equity (ytd only) | 4.8034% | 3,345 |
Net charge-offs to loans | -0.0449% | 4,892 |
Credit loss provision to net charge-offs | -11.7647% | 4,090 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9965% | 1,123 |
Assets per employee ($millions) | 3.4214% | 4,659 |
Cash dividends to net income (ytd only)* | 47.6190% | 1,682 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3870% | 1,753 |
Loan loss allowance to noncurrent loans | 76.8756% | 3,877 |
Noncurrent assets plus other real estate owned to assets | 1.1850% | 1,186 |
Noncurrent loans to loans | 1.8043% | 853 |
Net loans and leases to total assets | 64.7644% | 3,337 |
Net loans and leases to deposits | 75.7011% | 3,441 |
Net loans and leases to core deposits | 77.0658% | 3,735 |
Total domestic deposits to total assets | 85.5528% | 2,370 |
Equity capital to assets | 9.9558% | 3,693 |
Core capital (leverage) ratio | 10.0451% | 3,584 |
Tier 1 risk-based capital ratio | 13.6655% | 3,535 |
Total risk-based capital ratio | 14.9130% | 3,452 |
Memoranda: | ||
Average total assets | $88,823,250 | 4,330 |
Average earning assets | $83,263,250 | 4,305 |
Average equity | $8,244,000 | 4,614 |
Average total loans | $50,509,500 | 4,351 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9957% | 3,797 |
Cost of funding earning assets | 0.1896% | 5,076 |
Net interest margin | 3.8061% | 2,545 |
Noninterest income to average assets | 0.6216% | 2,221 |
Noninterest expense to average assets | 3.2155% | 1,503 |
Loan and lease loss provision to assets | 0.0022% | 3,758 |
Net operating income to assets | 0.9752% | 3,124 |
Return on assets (ROA) | 0.9510% | 3,238 |
Pretax return on assets | 0.9510% | 3,802 |
Return on Equity (ROE) | 10.4754% | 2,343 |
Retained earnings to average equity (ytd only) | 6.1207% | 2,490 |
Net charge-offs to loans | 0.0041% | 3,033 |
Credit loss provision to net charge-offs | 100.0000% | 2,011 |
Earnings coverage of net charge-offs (x) | 445.0000% | 205 |
Efficiency ratio | 76.6894% | 1,349 |
Assets per employee ($millions) | 3.7803% | 4,240 |
Cash dividends to net income (ytd only)* | 41.5704% | 2,047 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4063% | 1,728 |
Loan loss allowance to noncurrent loans | 92.2980% | 3,609 |
Noncurrent assets plus other real estate owned to assets | 0.9523% | 1,586 |
Noncurrent loans to loans | 1.5237% | 1,097 |
Net loans and leases to total assets | 61.6206% | 3,647 |
Net loans and leases to deposits | 72.1488% | 3,706 |
Net loans and leases to core deposits | 73.4675% | 3,912 |
Total domestic deposits to total assets | 85.4077% | 2,527 |
Equity capital to assets | 9.9138% | 3,711 |
Core capital (leverage) ratio | 9.4006% | 4,245 |
Tier 1 risk-based capital ratio | 13.3032% | 3,731 |
Total risk-based capital ratio | 14.2529% | 3,811 |
Memoranda: | ||
Average total assets | $91,060,000 | 4,337 |
Average earning assets | $85,441,000 | 4,308 |
Average equity | $8,267,000 | 4,652 |
Average total loans | $49,370,000 | 4,416 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7217% | 4,420 |
Cost of funding earning assets | 0.1971% | 5,036 |
Net interest margin | 3.5246% | 3,441 |
Noninterest income to average assets | 0.5894% | 2,319 |
Noninterest expense to average assets | 3.0608% | 1,922 |
Loan and lease loss provision to assets | 0.0042% | 3,456 |
Net operating income to assets | 0.8378% | 3,566 |
Return on assets (ROA) | 0.8378% | 3,581 |
Pretax return on assets | 0.8378% | 4,061 |
Return on Equity (ROE) | 9.6158% | 2,626 |
Retained earnings to average equity (ytd only) | 5.2670% | 3,050 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.4250% | 1,315 |
Assets per employee ($millions) | 4.2252% | 3,605 |
Cash dividends to net income (ytd only)* | 45.2261% | 1,651 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4606% | 1,613 |
Loan loss allowance to noncurrent loans | 83.5240% | 3,756 |
Noncurrent assets plus other real estate owned to assets | 0.9850% | 1,595 |
Noncurrent loans to loans | 1.7487% | 976 |
Net loans and leases to total assets | 55.5066% | 4,157 |
Net loans and leases to deposits | 61.2445% | 4,383 |
Net loans and leases to core deposits | 62.2296% | 4,538 |
Total domestic deposits to total assets | 90.6311% | 434 |
Equity capital to assets | 9.1762% | 4,387 |
Core capital (leverage) ratio | 8.4598% | 5,166 |
Tier 1 risk-based capital ratio | 13.6200% | 3,590 |
Total risk-based capital ratio | 14.5985% | 3,659 |
Memoranda: | ||
Average total assets | $95,006,500 | 4,306 |
Average earning assets | $89,314,000 | 4,279 |
Average equity | $8,278,000 | 4,703 |
Average total loans | $48,065,500 | 4,485 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9070% | 3,702 |
Cost of funding earning assets | 0.2163% | 4,815 |
Net interest margin | 3.6906% | 2,829 |
Noninterest income to average assets | 0.7876% | 1,619 |
Noninterest expense to average assets | 3.5640% | 938 |
Loan and lease loss provision to assets | 0.0036% | 4,178 |
Net operating income to assets | 0.6617% | 3,775 |
Return on assets (ROA) | 0.6653% | 3,793 |
Pretax return on assets | 0.6688% | 4,583 |
Return on Equity (ROE) | 6.7502% | 3,409 |
Retained earnings to average equity (ytd only) | 3.6765% | 3,037 |
Net charge-offs to loans | 0.0158% | 3,563 |
Credit loss provision to net charge-offs | 42.8571% | 3,413 |
Earnings coverage of net charge-offs (x) | 80.4286% | 771 |
Efficiency ratio | 84.1987% | 754 |
Assets per employee ($millions) | 4.4036% | 3,343 |
Cash dividends to net income (ytd only)* | 45.5357% | 2,558 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5818% | 1,179 |
Loan loss allowance to noncurrent loans | 85.1809% | 3,809 |
Noncurrent assets plus other real estate owned to assets | 0.8461% | 1,844 |
Noncurrent loans to loans | 1.8570% | 851 |
Net loans and leases to total assets | 44.8446% | 4,940 |
Net loans and leases to deposits | 48.9867% | 5,097 |
Net loans and leases to core deposits | 49.6670% | 5,146 |
Total domestic deposits to total assets | 91.5445% | 130 |
Equity capital to assets | 8.3074% | 5,254 |
Core capital (leverage) ratio | 8.5144% | 5,128 |
Tier 1 risk-based capital ratio | 13.9621% | 3,384 |
Total risk-based capital ratio | 14.9952% | 3,416 |
Memoranda: | ||
Average total assets | $84,175,400 | 4,508 |
Average earning assets | $78,577,800 | 4,484 |
Average equity | $8,296,000 | 4,737 |
Average total loans | $44,174,000 | 4,610 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0328% | 3,235 |
Cost of funding earning assets | 0.1593% | 5,257 |
Net interest margin | 3.8735% | 2,131 |
Noninterest income to average assets | 0.8511% | 1,422 |
Noninterest expense to average assets | 3.7997% | 669 |
Loan and lease loss provision to assets | 0.0033% | 4,045 |
Net operating income to assets | 0.6546% | 4,175 |
Return on assets (ROA) | 0.6975% | 4,064 |
Pretax return on assets | 0.7025% | 4,599 |
Return on Equity (ROE) | 6.7419% | 3,792 |
Retained earnings to average equity (ytd only) | 4.0806% | 3,493 |
Net charge-offs to loans | 0.0061% | 3,512 |
Credit loss provision to net charge-offs | 100.0000% | 2,276 |
Earnings coverage of net charge-offs (x) | 198.2472% | 438 |
Efficiency ratio | 85.1533% | 679 |
Assets per employee ($millions) | 3.2316% | 5,036 |
Cash dividends to net income (ytd only)* | 39.4728% | 2,312 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6084% | 1,220 |
Loan loss allowance to noncurrent loans | 611.6667% | 882 |
Noncurrent assets plus other real estate owned to assets | 0.1485% | 4,523 |
Noncurrent loans to loans | 0.2630% | 4,022 |
Net loans and leases to total assets | 55.5774% | 4,267 |
Net loans and leases to deposits | 63.0057% | 4,444 |
Net loans and leases to core deposits | 64.1470% | 4,600 |
Total domestic deposits to total assets | 88.2102% | 1,252 |
Equity capital to assets | 10.5459% | 3,321 |
Core capital (leverage) ratio | 9.7400% | 3,891 |
Tier 1 risk-based capital ratio | 14.6659% | 3,090 |
Total risk-based capital ratio | 15.6842% | 3,135 |
Memoranda: | ||
Average total assets | $79,898,500 | 4,633 |
Average earning assets | $74,488,000 | 4,621 |
Average equity | $8,266,500 | 4,789 |
Average total loans | $43,680,000 | 4,667 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9539% | 3,366 |
Cost of funding earning assets | 0.1562% | 5,298 |
Net interest margin | 3.7977% | 2,296 |
Noninterest income to average assets | 0.8090% | 1,541 |
Noninterest expense to average assets | 3.8693% | 618 |
Loan and lease loss provision to assets | 0.0025% | 3,848 |
Net operating income to assets | 0.4730% | 4,780 |
Return on assets (ROA) | 0.5377% | 4,620 |
Pretax return on assets | 0.5452% | 4,914 |
Return on Equity (ROE) | 5.2310% | 4,382 |
Retained earnings to average equity (ytd only) | 3.3977% | 3,689 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.9145% | 510 |
Assets per employee ($millions) | 2.9008% | 5,357 |
Cash dividends to net income (ytd only)* | 35.0467% | 2,576 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6472% | 1,163 |
Loan loss allowance to noncurrent loans | 645.6140% | 832 |
Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,592 |
Noncurrent loans to loans | 0.2551% | 4,128 |
Net loans and leases to total assets | 56.1088% | 4,217 |
Net loans and leases to deposits | 63.7457% | 4,384 |
Net loans and leases to core deposits | 64.9382% | 4,540 |
Total domestic deposits to total assets | 88.0198% | 1,450 |
Equity capital to assets | 10.7430% | 3,087 |
Core capital (leverage) ratio | 9.8805% | 3,676 |
Tier 1 risk-based capital ratio | 14.6020% | 3,113 |
Total risk-based capital ratio | 15.6186% | 3,156 |
Memoranda: | ||
Average total assets | $79,601,330 | 4,670 |
Average earning assets | $74,256,330 | 4,653 |
Average equity | $8,182,000 | 4,827 |
Average total loans | $43,028,330 | 4,716 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8852% | 3,446 |
Cost of funding earning assets | 0.1601% | 5,299 |
Net interest margin | 3.7251% | 2,398 |
Noninterest income to average assets | 0.7677% | 1,676 |
Noninterest expense to average assets | 4.0079% | 536 |
Loan and lease loss provision to assets | 0.0050% | 3,493 |
Net operating income to assets | 0.2193% | 5,368 |
Return on assets (ROA) | 0.2193% | 5,379 |
Pretax return on assets | 0.2343% | 5,399 |
Return on Equity (ROE) | 2.1820% | 5,306 |
Retained earnings to average equity (ytd only) | -1.5373% | 5,128 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.3662% | 368 |
Assets per employee ($millions) | 2.9859% | 5,363 |
Cash dividends to net income (ytd only)* | 170.4545% | 310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7617% | 1,028 |
Loan loss allowance to noncurrent loans | 4,083.3333% | 191 |
Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,245 |
Noncurrent loans to loans | 0.0431% | 5,022 |
Net loans and leases to total assets | 50.8391% | 4,601 |
Net loans and leases to deposits | 57.2918% | 4,745 |
Net loans and leases to core deposits | 58.3215% | 4,864 |
Total domestic deposits to total assets | 88.7371% | 1,295 |
Equity capital to assets | 10.0882% | 3,649 |
Core capital (leverage) ratio | 9.3441% | 4,285 |
Tier 1 risk-based capital ratio | 15.1399% | 2,902 |
Total risk-based capital ratio | 16.1390% | 2,952 |
Memoranda: | ||
Average total assets | $80,241,500 | 4,706 |
Average earning assets | $74,952,000 | 4,682 |
Average equity | $8,066,000 | 4,890 |
Average total loans | $42,202,000 | 4,783 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0914% | 2,888 |
Cost of funding earning assets | 0.1738% | 5,257 |
Net interest margin | 3.9176% | 1,913 |
Noninterest income to average assets | 1.0131% | 1,109 |
Noninterest expense to average assets | 3.8828% | 706 |
Loan and lease loss provision to assets | 0.0039% | 4,279 |
Net operating income to assets | 0.7666% | 3,467 |
Return on assets (ROA) | 0.7666% | 3,572 |
Pretax return on assets | 0.7706% | 4,266 |
Return on Equity (ROE) | 7.0944% | 3,419 |
Retained earnings to average equity (ytd only) | 3.6558% | 3,315 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.3707% | 1,068 |
Assets per employee ($millions) | 2.8523% | 5,453 |
Cash dividends to net income (ytd only)* | 48.4694% | 2,385 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7197% | 1,102 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 52.5255% | 4,565 |
Net loans and leases to deposits | 59.1589% | 4,724 |
Net loans and leases to core deposits | 60.4566% | 4,839 |
Total domestic deposits to total assets | 88.7872% | 1,210 |
Equity capital to assets | 10.0158% | 3,707 |
Core capital (leverage) ratio | 9.9996% | 3,483 |
Tier 1 risk-based capital ratio | 15.2882% | 2,844 |
Total risk-based capital ratio | 16.3547% | 2,852 |
Memoranda: | ||
Average total assets | $76,697,600 | 4,802 |
Average earning assets | $71,344,400 | 4,774 |
Average equity | $8,288,200 | 4,888 |
Average total loans | $41,781,800 | 4,824 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1022% | 2,867 |
Cost of funding earning assets | 0.1797% | 5,265 |
Net interest margin | 3.9225% | 1,902 |
Noninterest income to average assets | 0.9801% | 1,190 |
Noninterest expense to average assets | 3.9662% | 613 |
Loan and lease loss provision to assets | 0.0035% | 4,151 |
Net operating income to assets | 0.6482% | 4,092 |
Return on assets (ROA) | 0.6482% | 4,217 |
Pretax return on assets | 0.6534% | 4,729 |
Return on Equity (ROE) | 5.8847% | 4,128 |
Retained earnings to average equity (ytd only) | 2.2965% | 4,547 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.7903% | 840 |
Assets per employee ($millions) | 2.7144% | 5,597 |
Cash dividends to net income (ytd only)* | 60.9748% | 1,395 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7047% | 1,215 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 55.6102% | 4,352 |
Net loans and leases to deposits | 64.3475% | 4,459 |
Net loans and leases to core deposits | 65.8708% | 4,616 |
Total domestic deposits to total assets | 86.4218% | 2,157 |
Equity capital to assets | 11.2178% | 2,780 |
Core capital (leverage) ratio | 10.0283% | 3,538 |
Tier 1 risk-based capital ratio | 14.9745% | 3,062 |
Total risk-based capital ratio | 16.0380% | 3,091 |
Memoranda: | ||
Average total assets | $75,906,000 | 4,849 |
Average earning assets | $70,497,500 | 4,831 |
Average equity | $8,360,500 | 4,924 |
Average total loans | $41,556,500 | 4,871 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0861% | 2,916 |
Cost of funding earning assets | 0.1844% | 5,284 |
Net interest margin | 3.9016% | 1,972 |
Noninterest income to average assets | 0.8461% | 1,565 |
Noninterest expense to average assets | 3.8854% | 688 |
Loan and lease loss provision to assets | 0.0026% | 3,983 |
Net operating income to assets | 0.5746% | 4,377 |
Return on assets (ROA) | 0.5746% | 4,503 |
Pretax return on assets | 0.5825% | 4,933 |
Return on Equity (ROE) | 5.2496% | 4,409 |
Retained earnings to average equity (ytd only) | 1.6375% | 4,729 |
Net charge-offs to loans | 0.0049% | 3,529 |
Credit loss provision to net charge-offs | 100.0000% | 2,087 |
Earnings coverage of net charge-offs (x) | 222.0000% | 295 |
Efficiency ratio | 86.9104% | 803 |
Assets per employee ($millions) | 2.6042% | 5,732 |
Cash dividends to net income (ytd only)* | 68.8073% | 1,225 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8158% | 1,058 |
Loan loss allowance to noncurrent loans | 112.0795% | 3,471 |
Noncurrent assets plus other real estate owned to assets | 0.8660% | 2,430 |
Noncurrent loans to loans | 1.6201% | 1,322 |
Net loans and leases to total assets | 52.4807% | 4,629 |
Net loans and leases to deposits | 60.0376% | 4,794 |
Net loans and leases to core deposits | 61.4496% | 4,913 |
Total domestic deposits to total assets | 87.4131% | 1,707 |
Equity capital to assets | 11.3158% | 2,726 |
Core capital (leverage) ratio | 9.8461% | 3,755 |
Tier 1 risk-based capital ratio | 15.2605% | 2,953 |
Total risk-based capital ratio | 16.3174% | 2,986 |
Memoranda: | ||
Average total assets | $75,873,330 | 4,893 |
Average earning assets | $70,483,670 | 4,870 |
Average equity | $8,305,330 | 4,970 |
Average total loans | $41,075,670 | 4,936 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0661% | 2,979 |
Cost of funding earning assets | 0.1866% | 5,312 |
Net interest margin | 3.8794% | 1,998 |
Noninterest income to average assets | 0.7785% | 1,700 |
Noninterest expense to average assets | 3.6713% | 934 |
Loan and lease loss provision to assets | 0.0053% | 3,606 |
Net operating income to assets | 0.6943% | 3,744 |
Return on assets (ROA) | 0.6943% | 3,851 |
Pretax return on assets | 0.7101% | 4,490 |
Return on Equity (ROE) | 6.4508% | 3,753 |
Retained earnings to average equity (ytd only) | 2.0525% | 4,436 |
Net charge-offs to loans | 0.0097% | 2,799 |
Credit loss provision to net charge-offs | 100.0000% | 1,610 |
Earnings coverage of net charge-offs (x) | 136.0000% | 435 |
Efficiency ratio | 83.6930% | 1,186 |
Assets per employee ($millions) | 2.8523% | 5,644 |
Cash dividends to net income (ytd only)* | 68.1818% | 1,237 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8017% | 1,150 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 51.7355% | 4,648 |
Net loans and leases to deposits | 58.7840% | 4,795 |
Net loans and leases to core deposits | 60.6774% | 4,895 |
Total domestic deposits to total assets | 88.0095% | 1,633 |
Equity capital to assets | 10.7777% | 3,182 |
Core capital (leverage) ratio | 9.6805% | 3,936 |
Tier 1 risk-based capital ratio | 15.5974% | 2,861 |
Total risk-based capital ratio | 16.6483% | 2,910 |
Memoranda: | ||
Average total assets | $76,048,500 | 4,938 |
Average earning assets | $70,732,000 | 4,905 |
Average equity | $8,185,000 | 5,022 |
Average total loans | $41,429,500 | 4,961 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4355% | 1,786 |
Cost of funding earning assets | 0.2189% | 5,105 |
Net interest margin | 4.2166% | 1,132 |
Noninterest income to average assets | 1.0146% | 1,142 |
Noninterest expense to average assets | 3.8553% | 805 |
Loan and lease loss provision to assets | 0.0040% | 4,312 |
Net operating income to assets | 1.0643% | 2,073 |
Return on assets (ROA) | 1.0750% | 2,097 |
Pretax return on assets | 1.0750% | 3,172 |
Return on Equity (ROE) | 10.1551% | 1,958 |
Retained earnings to average equity (ytd only) | 5.5853% | 2,025 |
Net charge-offs to loans | -0.1060% | 5,794 |
Credit loss provision to net charge-offs | -6.5217% | 4,937 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.3024% | 1,920 |
Assets per employee ($millions) | 2.7810% | 5,720 |
Cash dividends to net income (ytd only)* | 45.0000% | 2,591 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7311% | 1,284 |
Loan loss allowance to noncurrent loans | 9,150.0000% | 105 |
Noncurrent assets plus other real estate owned to assets | 0.0107% | 5,662 |
Noncurrent loans to loans | 0.0189% | 5,443 |
Net loans and leases to total assets | 55.3419% | 4,354 |
Net loans and leases to deposits | 62.8730% | 4,558 |
Net loans and leases to core deposits | 64.0870% | 4,736 |
Total domestic deposits to total assets | 88.0217% | 1,613 |
Equity capital to assets | 10.7477% | 3,075 |
Core capital (leverage) ratio | 10.2613% | 3,195 |
Tier 1 risk-based capital ratio | 15.1757% | 3,091 |
Total risk-based capital ratio | 16.2969% | 3,089 |
Memoranda: | ||
Average total assets | $74,416,200 | 4,981 |
Average earning assets | $68,988,800 | 4,960 |
Average equity | $7,877,800 | 5,084 |
Average total loans | $43,389,000 | 4,876 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4283% | 1,819 |
Cost of funding earning assets | 0.2246% | 5,138 |
Net interest margin | 4.2037% | 1,154 |
Noninterest income to average assets | 1.0379% | 1,108 |
Noninterest expense to average assets | 3.9129% | 731 |
Loan and lease loss provision to assets | 0.0036% | 4,186 |
Net operating income to assets | 1.0200% | 2,378 |
Return on assets (ROA) | 1.0684% | 2,229 |
Pretax return on assets | 1.0684% | 3,337 |
Return on Equity (ROE) | 10.1320% | 2,053 |
Retained earnings to average equity (ytd only) | 6.0451% | 2,217 |
Net charge-offs to loans | 0.0030% | 4,082 |
Credit loss provision to net charge-offs | 200.0000% | 1,330 |
Earnings coverage of net charge-offs (x) | 571.4135% | 130 |
Efficiency ratio | 79.2652% | 1,763 |
Assets per employee ($millions) | 2.8780% | 5,681 |
Cash dividends to net income (ytd only)* | 40.3361% | 2,291 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5294% | 2,035 |
Loan loss allowance to noncurrent loans | 288.6076% | 1,659 |
Noncurrent assets plus other real estate owned to assets | 0.5813% | 3,544 |
Noncurrent loans to loans | 0.5299% | 3,755 |
Net loans and leases to total assets | 58.8515% | 4,035 |
Net loans and leases to deposits | 71.1898% | 3,853 |
Net loans and leases to core deposits | 72.6580% | 4,131 |
Total domestic deposits to total assets | 82.6685% | 3,933 |
Equity capital to assets | 10.7539% | 3,296 |
Core capital (leverage) ratio | 10.4770% | 3,065 |
Tier 1 risk-based capital ratio | 15.2633% | 3,160 |
Total risk-based capital ratio | 16.5163% | 3,094 |
Memoranda: | ||
Average total assets | $74,248,750 | 5,039 |
Average earning assets | $68,858,250 | 5,019 |
Average equity | $7,829,750 | 5,157 |
Average total loans | $43,664,750 | 4,924 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4013% | 1,848 |
Cost of funding earning assets | 0.2297% | 5,151 |
Net interest margin | 4.1717% | 1,168 |
Noninterest income to average assets | 1.0506% | 1,073 |
Noninterest expense to average assets | 3.9430% | 726 |
Loan and lease loss provision to assets | 0.0027% | 4,030 |
Net operating income to assets | 0.9803% | 2,499 |
Return on assets (ROA) | 0.9668% | 2,659 |
Pretax return on assets | 0.9668% | 3,712 |
Return on Equity (ROE) | 9.2300% | 2,417 |
Retained earnings to average equity (ytd only) | 5.3627% | 2,632 |
Net charge-offs to loans | 0.0046% | 3,740 |
Credit loss provision to net charge-offs | 100.0000% | 2,033 |
Earnings coverage of net charge-offs (x) | 364.0000% | 188 |
Efficiency ratio | 80.0439% | 1,756 |
Assets per employee ($millions) | 2.7166% | 5,899 |
Cash dividends to net income (ytd only)* | 41.8994% | 2,310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5504% | 2,083 |
Loan loss allowance to noncurrent loans | 281.0700% | 1,697 |
Noncurrent assets plus other real estate owned to assets | 0.5798% | 3,672 |
Noncurrent loans to loans | 0.5516% | 3,801 |
Net loans and leases to total assets | 57.0178% | 4,221 |
Net loans and leases to deposits | 64.3749% | 4,501 |
Net loans and leases to core deposits | 65.9881% | 4,655 |
Total domestic deposits to total assets | 88.5715% | 1,377 |
Equity capital to assets | 10.1520% | 3,862 |
Core capital (leverage) ratio | 10.2094% | 3,327 |
Tier 1 risk-based capital ratio | 15.7209% | 2,988 |
Total risk-based capital ratio | 16.9732% | 2,935 |
Memoranda: | ||
Average total assets | $74,055,330 | 5,102 |
Average earning assets | $68,797,670 | 5,064 |
Average equity | $7,757,330 | 5,208 |
Average total loans | $43,312,330 | 4,981 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3056% | 2,083 |
Cost of funding earning assets | 0.2297% | 5,218 |
Net interest margin | 4.0759% | 1,341 |
Noninterest income to average assets | 0.9637% | 1,205 |
Noninterest expense to average assets | 3.8767% | 796 |
Loan and lease loss provision to assets | 0.0055% | 3,636 |
Net operating income to assets | 0.8706% | 2,896 |
Return on assets (ROA) | 0.8706% | 3,018 |
Pretax return on assets | 0.8706% | 3,993 |
Return on Equity (ROE) | 8.1801% | 2,867 |
Retained earnings to average equity (ytd only) | 5.0932% | 3,009 |
Net charge-offs to loans | -0.0093% | 4,689 |
Credit loss provision to net charge-offs | -100.0000% | 4,487 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.5668% | 1,674 |
Assets per employee ($millions) | 2.5723% | 6,062 |
Cash dividends to net income (ytd only)* | 37.7358% | 2,107 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5690% | 2,163 |
Loan loss allowance to noncurrent loans | 814.2857% | 646 |
Noncurrent assets plus other real estate owned to assets | 0.3780% | 4,505 |
Noncurrent loans to loans | 0.1927% | 5,092 |
Net loans and leases to total assets | 57.5259% | 4,024 |
Net loans and leases to deposits | 65.2188% | 4,244 |
Net loans and leases to core deposits | 66.8901% | 4,433 |
Total domestic deposits to total assets | 88.2045% | 1,704 |
Equity capital to assets | 10.5636% | 3,466 |
Core capital (leverage) ratio | 10.5566% | 2,899 |
Tier 1 risk-based capital ratio | 14.8831% | 3,491 |
Total risk-based capital ratio | 16.1337% | 3,431 |
Memoranda: | ||
Average total assets | $73,051,000 | 5,170 |
Average earning assets | $67,911,000 | 5,143 |
Average equity | $7,775,000 | 5,248 |
Average total loans | $42,942,000 | 5,027 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8218% | 1,069 |
Cost of funding earning assets | 0.2616% | 5,204 |
Net interest margin | 4.5602% | 667 |
Noninterest income to average assets | 0.9374% | 1,389 |
Noninterest expense to average assets | 4.3863% | 511 |
Loan and lease loss provision to assets | 0.0044% | 4,523 |
Net operating income to assets | 0.6972% | 3,906 |
Return on assets (ROA) | 0.7964% | 3,492 |
Pretax return on assets | 0.8023% | 4,252 |
Return on Equity (ROE) | 7.3932% | 3,418 |
Retained earnings to average equity (ytd only) | 4.0204% | 3,346 |
Net charge-offs to loans | 0.0338% | 4,154 |
Credit loss provision to net charge-offs | 21.4286% | 3,960 |
Earnings coverage of net charge-offs (x) | 34.7143% | 1,206 |
Efficiency ratio | 86.1301% | 1,156 |
Assets per employee ($millions) | 2.6484% | 6,064 |
Cash dividends to net income (ytd only)* | 45.6204% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6151% | 2,041 |
Loan loss allowance to noncurrent loans | 794.1860% | 733 |
Noncurrent assets plus other real estate owned to assets | 0.3972% | 4,502 |
Noncurrent loans to loans | 0.2034% | 5,088 |
Net loans and leases to total assets | 58.1839% | 4,025 |
Net loans and leases to deposits | 66.1363% | 4,309 |
Net loans and leases to core deposits | 67.6328% | 4,540 |
Total domestic deposits to total assets | 87.9758% | 1,786 |
Equity capital to assets | 10.7264% | 3,205 |
Core capital (leverage) ratio | 10.6648% | 2,760 |
Tier 1 risk-based capital ratio | 14.0034% | 4,095 |
Total risk-based capital ratio | 15.2531% | 4,020 |
Memoranda: | ||
Average total assets | $68,805,800 | 5,324 |
Average earning assets | $62,694,600 | 5,321 |
Average equity | $7,412,200 | 5,324 |
Average total loans | $41,371,600 | 5,130 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8741% | 985 |
Cost of funding earning assets | 0.2734% | 5,172 |
Net interest margin | 4.6007% | 615 |
Noninterest income to average assets | 0.9217% | 1,447 |
Noninterest expense to average assets | 4.5167% | 455 |
Loan and lease loss provision to assets | 0.0039% | 4,332 |
Net operating income to assets | 0.5767% | 4,557 |
Return on assets (ROA) | 0.7104% | 3,992 |
Pretax return on assets | 0.7182% | 4,640 |
Return on Equity (ROE) | 6.5869% | 3,910 |
Retained earnings to average equity (ytd only) | 3.1392% | 4,388 |
Net charge-offs to loans | 0.0357% | 3,774 |
Credit loss provision to net charge-offs | 18.1818% | 3,600 |
Earnings coverage of net charge-offs (x) | 27.2658% | 1,456 |
Efficiency ratio | 88.4969% | 959 |
Assets per employee ($millions) | 2.5515% | 6,190 |
Cash dividends to net income (ytd only)* | 52.3420% | 1,727 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5662% | 2,433 |
Loan loss allowance to noncurrent loans | 274.8000% | 1,654 |
Noncurrent assets plus other real estate owned to assets | 0.7548% | 3,550 |
Noncurrent loans to loans | 0.5700% | 4,210 |
Net loans and leases to total assets | 62.6738% | 3,387 |
Net loans and leases to deposits | 71.5842% | 3,728 |
Net loans and leases to core deposits | 73.2728% | 4,021 |
Total domestic deposits to total assets | 87.5526% | 2,009 |
Equity capital to assets | 10.9508% | 3,003 |
Core capital (leverage) ratio | 10.4611% | 3,088 |
Tier 1 risk-based capital ratio | 14.3681% | 3,968 |
Total risk-based capital ratio | 15.6199% | 3,905 |
Memoranda: | ||
Average total assets | $68,130,750 | 5,399 |
Average earning assets | $61,930,750 | 5,406 |
Average equity | $7,347,750 | 5,371 |
Average total loans | $41,142,500 | 5,188 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8736% | 953 |
Cost of funding earning assets | 0.2796% | 5,191 |
Net interest margin | 4.5940% | 592 |
Noninterest income to average assets | 0.9635% | 1,300 |
Noninterest expense to average assets | 4.5582% | 424 |
Loan and lease loss provision to assets | 0.0059% | 4,117 |
Net operating income to assets | 0.5523% | 4,592 |
Return on assets (ROA) | 0.6188% | 4,356 |
Pretax return on assets | 0.6305% | 4,848 |
Return on Equity (ROE) | 5.7674% | 4,296 |
Retained earnings to average equity (ytd only) | 2.1971% | 4,791 |
Net charge-offs to loans | 0.0746% | 2,954 |
Credit loss provision to net charge-offs | 13.3333% | 3,276 |
Earnings coverage of net charge-offs (x) | 12.8667% | 2,026 |
Efficiency ratio | 88.9080% | 1,002 |
Assets per employee ($millions) | 2.4728% | 6,315 |
Cash dividends to net income (ytd only)* | 61.9048% | 1,445 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6214% | 2,388 |
Loan loss allowance to noncurrent loans | 1,065.6250% | 500 |
Noncurrent assets plus other real estate owned to assets | 0.3784% | 4,884 |
Noncurrent loans to loans | 0.1522% | 5,555 |
Net loans and leases to total assets | 59.7663% | 3,761 |
Net loans and leases to deposits | 68.0732% | 4,043 |
Net loans and leases to core deposits | 69.1400% | 4,352 |
Total domestic deposits to total assets | 87.7972% | 2,037 |
Equity capital to assets | 10.7918% | 3,101 |
Core capital (leverage) ratio | 10.7801% | 2,642 |
Tier 1 risk-based capital ratio | 14.1862% | 4,135 |
Total risk-based capital ratio | 15.4363% | 4,067 |
Memoranda: | ||
Average total assets | $67,877,670 | 5,449 |
Average earning assets | $61,514,670 | 5,466 |
Average equity | $7,282,330 | 5,415 |
Average total loans | $40,235,670 | 5,265 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6759% | 1,312 |
Cost of funding earning assets | 0.2766% | 5,318 |
Net interest margin | 4.3993% | 811 |
Noninterest income to average assets | 0.8512% | 1,552 |
Noninterest expense to average assets | 4.3216% | 540 |
Loan and lease loss provision to assets | 0.0060% | 3,743 |
Net operating income to assets | 0.5000% | 4,690 |
Return on assets (ROA) | 0.5000% | 4,772 |
Pretax return on assets | 0.5000% | 5,169 |
Return on Equity (ROE) | 4.6748% | 4,703 |
Retained earnings to average equity (ytd only) | 1.8922% | 4,835 |
Net charge-offs to loans | -0.0305% | 5,567 |
Credit loss provision to net charge-offs | -33.3333% | 4,715 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.5191% | 1,080 |
Assets per employee ($millions) | 2.3611% | 6,440 |
Cash dividends to net income (ytd only)* | 59.5238% | 1,424 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7986% | 2,045 |
Loan loss allowance to noncurrent loans | 231.8937% | 1,842 |
Noncurrent assets plus other real estate owned to assets | 0.8334% | 3,640 |
Noncurrent loans to loans | 0.7756% | 3,921 |
Net loans and leases to total assets | 57.6455% | 3,908 |
Net loans and leases to deposits | 65.8113% | 4,119 |
Net loans and leases to core deposits | 66.8937% | 4,410 |
Total domestic deposits to total assets | 87.5921% | 2,466 |
Equity capital to assets | 10.9982% | 2,710 |
Core capital (leverage) ratio | 10.6243% | 2,783 |
Tier 1 risk-based capital ratio | 14.9789% | 3,721 |
Total risk-based capital ratio | 16.2314% | 3,671 |
Memoranda: | ||
Average total assets | $67,197,500 | 5,524 |
Average earning assets | $60,736,500 | 5,545 |
Average equity | $7,187,500 | 5,473 |
Average total loans | $39,322,000 | 5,347 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8552% | 1,188 |
Cost of funding earning assets | 0.3108% | 5,512 |
Net interest margin | 4.5444% | 673 |
Noninterest income to average assets | 1.2425% | 902 |
Noninterest expense to average assets | 4.3730% | 587 |
Loan and lease loss provision to assets | 0.0044% | 5,029 |
Net operating income to assets | 0.9829% | 2,400 |
Return on assets (ROA) | 1.0005% | 2,388 |
Pretax return on assets | 1.0005% | 3,342 |
Return on Equity (ROE) | 9.3710% | 2,379 |
Retained earnings to average equity (ytd only) | 4.1496% | 3,218 |
Net charge-offs to loans | 0.2890% | 2,241 |
Credit loss provision to net charge-offs | 2.6786% | 4,674 |
Earnings coverage of net charge-offs (x) | 6.0089% | 3,153 |
Efficiency ratio | 81.5818% | 1,931 |
Assets per employee ($millions) | 2.5290% | 6,378 |
Cash dividends to net income (ytd only)* | 55.7185% | 1,981 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7421% | 2,260 |
Loan loss allowance to noncurrent loans | 355.8974% | 1,288 |
Noncurrent assets plus other real estate owned to assets | 0.6663% | 4,243 |
Noncurrent loans to loans | 0.4895% | 4,770 |
Net loans and leases to total assets | 57.3224% | 4,143 |
Net loans and leases to deposits | 64.9595% | 4,416 |
Net loans and leases to core deposits | 65.9834% | 4,695 |
Total domestic deposits to total assets | 88.2432% | 2,031 |
Equity capital to assets | 10.4036% | 3,282 |
Core capital (leverage) ratio | 10.8001% | 2,574 |
Tier 1 risk-based capital ratio | 14.0595% | 4,260 |
Total risk-based capital ratio | 15.3103% | 4,200 |
Memoranda: | ||
Average total assets | $68,169,000 | 5,532 |
Average earning assets | $61,768,200 | 5,542 |
Average equity | $7,277,800 | 5,503 |
Average total loans | $38,753,000 | 5,404 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8302% | 1,286 |
Cost of funding earning assets | 0.3173% | 5,578 |
Net interest margin | 4.5129% | 724 |
Noninterest income to average assets | 1.3540% | 794 |
Noninterest expense to average assets | 4.4026% | 575 |
Loan and lease loss provision to assets | 0.0039% | 4,879 |
Net operating income to assets | 1.0390% | 2,231 |
Return on assets (ROA) | 1.0390% | 2,314 |
Pretax return on assets | 1.0390% | 3,346 |
Return on Equity (ROE) | 9.6702% | 2,322 |
Retained earnings to average equity (ytd only) | 3.8426% | 3,949 |
Net charge-offs to loans | 0.3950% | 1,622 |
Credit loss provision to net charge-offs | 1.7544% | 4,322 |
Earnings coverage of net charge-offs (x) | 4.6753% | 3,379 |
Efficiency ratio | 80.8480% | 1,992 |
Assets per employee ($millions) | 2.2461% | 6,619 |
Cash dividends to net income (ytd only)* | 60.2644% | 1,447 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7438% | 2,477 |
Loan loss allowance to noncurrent loans | 348.4848% | 1,208 |
Noncurrent assets plus other real estate owned to assets | 0.7346% | 4,272 |
Noncurrent loans to loans | 0.5004% | 4,944 |
Net loans and leases to total assets | 57.6962% | 4,059 |
Net loans and leases to deposits | 69.3482% | 3,878 |
Net loans and leases to core deposits | 70.5231% | 4,262 |
Total domestic deposits to total assets | 83.1978% | 4,501 |
Equity capital to assets | 10.5307% | 3,242 |
Core capital (leverage) ratio | 10.7915% | 2,681 |
Tier 1 risk-based capital ratio | 14.6264% | 3,998 |
Total risk-based capital ratio | 15.8791% | 3,944 |
Memoranda: | ||
Average total assets | $68,140,250 | 5,592 |
Average earning assets | $61,777,000 | 5,602 |
Average equity | $7,321,250 | 5,554 |
Average total loans | $38,482,250 | 5,461 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8290% | 1,267 |
Cost of funding earning assets | 0.3254% | 5,609 |
Net interest margin | 4.5036% | 706 |
Noninterest income to average assets | 1.5850% | 628 |
Noninterest expense to average assets | 4.4099% | 572 |
Loan and lease loss provision to assets | 0.0029% | 4,749 |
Net operating income to assets | 1.2604% | 1,431 |
Return on assets (ROA) | 1.2604% | 1,527 |
Pretax return on assets | 1.2604% | 2,447 |
Return on Equity (ROE) | 11.6544% | 1,590 |
Retained earnings to average equity (ytd only) | 4.6239% | 3,319 |
Net charge-offs to loans | 0.4669% | 1,413 |
Credit loss provision to net charge-offs | 1.1236% | 3,991 |
Earnings coverage of net charge-offs (x) | 4.8539% | 3,019 |
Efficiency ratio | 77.7320% | 2,507 |
Assets per employee ($millions) | 2.1920% | 6,682 |
Cash dividends to net income (ytd only)* | 60.3248% | 1,491 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9335% | 2,008 |
Loan loss allowance to noncurrent loans | 226.9841% | 1,788 |
Noncurrent assets plus other real estate owned to assets | 1.2379% | 3,275 |
Noncurrent loans to loans | 0.8518% | 4,217 |
Net loans and leases to total assets | 55.1483% | 4,432 |
Net loans and leases to deposits | 62.8455% | 4,646 |
Net loans and leases to core deposits | 63.8783% | 4,907 |
Total domestic deposits to total assets | 87.7522% | 2,412 |
Equity capital to assets | 10.7347% | 3,014 |
Core capital (leverage) ratio | 10.5924% | 2,779 |
Tier 1 risk-based capital ratio | 13.4699% | 4,788 |
Total risk-based capital ratio | 14.7203% | 4,746 |
Memoranda: | ||
Average total assets | $68,392,330 | 5,625 |
Average earning assets | $62,083,330 | 5,624 |
Average equity | $7,396,330 | 5,587 |
Average total loans | $38,120,330 | 5,500 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6348% | 1,726 |
Cost of funding earning assets | 0.3225% | 5,782 |
Net interest margin | 4.3123% | 948 |
Noninterest income to average assets | 1.5723% | 624 |
Noninterest expense to average assets | 4.1429% | 762 |
Loan and lease loss provision to assets | 0.0057% | 4,363 |
Net operating income to assets | 1.3370% | 1,187 |
Return on assets (ROA) | 1.3370% | 1,283 |
Pretax return on assets | 1.3370% | 2,091 |
Return on Equity (ROE) | 12.3199% | 1,338 |
Retained earnings to average equity (ytd only) | 12.3199% | 654 |
Net charge-offs to loans | -0.1344% | 6,560 |
Credit loss provision to net charge-offs | -7.6923% | 4,957 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5230% | 3,007 |
Assets per employee ($millions) | 2.5156% | 6,569 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1892% | 1,603 |
Loan loss allowance to noncurrent loans | 197.3430% | 1,922 |
Noncurrent assets plus other real estate owned to assets | 1.4237% | 3,130 |
Noncurrent loans to loans | 1.1093% | 3,931 |
Net loans and leases to total assets | 53.7425% | 4,457 |
Net loans and leases to deposits | 61.5326% | 4,609 |
Net loans and leases to core deposits | 62.5148% | 4,902 |
Total domestic deposits to total assets | 87.3399% | 2,731 |
Equity capital to assets | 11.2688% | 2,659 |
Core capital (leverage) ratio | 10.3655% | 2,947 |
Tier 1 risk-based capital ratio | 16.5135% | 2,995 |
Total risk-based capital ratio | 17.7715% | 2,946 |
Memoranda: | ||
Average total assets | $69,709,000 | 5,637 |
Average earning assets | $63,260,500 | 5,637 |
Average equity | $7,565,000 | 5,614 |
Average total loans | $38,690,500 | 5,518 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5883% | 524 |
Cost of funding earning assets | 0.4296% | 5,726 |
Net interest margin | 5.1586% | 293 |
Noninterest income to average assets | 1.5582% | 646 |
Noninterest expense to average assets | 4.3409% | 652 |
Loan and lease loss provision to assets | 0.3663% | 1,793 |
Net operating income to assets | 1.4518% | 999 |
Return on assets (ROA) | 1.4445% | 1,134 |
Pretax return on assets | 1.4548% | 1,836 |
Return on Equity (ROE) | 14.1883% | 959 |
Retained earnings to average equity (ytd only) | 12.8826% | 260 |
Net charge-offs to loans | 0.0193% | 5,639 |
Credit loss provision to net charge-offs | 3,100.0000% | 78 |
Earnings coverage of net charge-offs (x) | 154.7500% | 271 |
Efficiency ratio | 70.3615% | 3,744 |
Assets per employee ($millions) | 2.7498% | 6,370 |
Cash dividends to net income (ytd only)* | 9.2025% | 4,092 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0044% | 2,004 |
Loan loss allowance to noncurrent loans | 99.3812% | 3,338 |
Noncurrent assets plus other real estate owned to assets | 1.8463% | 2,647 |
Noncurrent loans to loans | 2.0169% | 2,681 |
Net loans and leases to total assets | 54.9094% | 4,468 |
Net loans and leases to deposits | 62.2254% | 4,762 |
Net loans and leases to core deposits | 64.7042% | 4,876 |
Total domestic deposits to total assets | 88.2427% | 2,069 |
Equity capital to assets | 10.4565% | 3,575 |
Core capital (leverage) ratio | 10.3324% | 2,972 |
Tier 1 risk-based capital ratio | 15.2725% | 3,564 |
Total risk-based capital ratio | 16.5291% | 3,508 |
Memoranda: | ||
Average total assets | $67,704,600 | 5,686 |
Average earning assets | $60,519,800 | 5,727 |
Average equity | $6,893,000 | 5,790 |
Average total loans | $41,416,400 | 5,444 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4724% | 725 |
Cost of funding earning assets | 0.4571% | 5,745 |
Net interest margin | 5.0152% | 391 |
Noninterest income to average assets | 1.4280% | 737 |
Noninterest expense to average assets | 4.3680% | 619 |
Loan and lease loss provision to assets | 0.4554% | 1,368 |
Net operating income to assets | 1.0602% | 2,254 |
Return on assets (ROA) | 1.0246% | 2,610 |
Pretax return on assets | 1.0386% | 3,567 |
Return on Equity (ROE) | 10.1372% | 2,283 |
Retained earnings to average equity (ytd only) | 10.1372% | 880 |
Net charge-offs to loans | 0.0798% | 4,597 |
Credit loss provision to net charge-offs | 912.0000% | 311 |
Earnings coverage of net charge-offs (x) | 30.6424% | 1,077 |
Efficiency ratio | 74.0603% | 2,973 |
Assets per employee ($millions) | 2.6105% | 6,586 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8849% | 2,531 |
Loan loss allowance to noncurrent loans | 478.7500% | 800 |
Noncurrent assets plus other real estate owned to assets | 1.1078% | 4,085 |
Noncurrent loans to loans | 0.3937% | 5,670 |
Net loans and leases to total assets | 61.0943% | 3,553 |
Net loans and leases to deposits | 69.7368% | 3,930 |
Net loans and leases to core deposits | 72.8109% | 4,156 |
Total domestic deposits to total assets | 87.6071% | 2,291 |
Equity capital to assets | 10.8362% | 3,459 |
Core capital (leverage) ratio | 9.8399% | 3,767 |
Tier 1 risk-based capital ratio | 14.3712% | 4,282 |
Total risk-based capital ratio | 15.6266% | 4,249 |
Memoranda: | ||
Average total assets | $66,756,750 | 5,786 |
Average earning assets | $59,497,250 | 5,830 |
Average equity | $6,747,250 | 5,892 |
Average total loans | $41,755,250 | 5,492 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5108% | 705 |
Cost of funding earning assets | 0.4799% | 5,757 |
Net interest margin | 5.0309% | 382 |
Noninterest income to average assets | 1.3917% | 744 |
Noninterest expense to average assets | 4.3952% | 600 |
Loan and lease loss provision to assets | 0.6007% | 993 |
Net operating income to assets | 0.8440% | 3,173 |
Return on assets (ROA) | 0.7910% | 3,677 |
Pretax return on assets | 0.7999% | 4,474 |
Return on Equity (ROE) | 8.0133% | 3,251 |
Retained earnings to average equity (ytd only) | 8.0133% | 1,635 |
Net charge-offs to loans | 0.0142% | 5,237 |
Credit loss provision to net charge-offs | 6,733.3333% | 44 |
Earnings coverage of net charge-offs (x) | 163.0000% | 281 |
Efficiency ratio | 75.1398% | 2,871 |
Assets per employee ($millions) | 2.8335% | 6,357 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8357% | 2,744 |
Loan loss allowance to noncurrent loans | 19,050.0000% | 37 |
Noncurrent assets plus other real estate owned to assets | 0.9735% | 4,426 |
Noncurrent loans to loans | 0.0096% | 6,689 |
Net loans and leases to total assets | 59.9224% | 3,836 |
Net loans and leases to deposits | 67.6164% | 4,267 |
Net loans and leases to core deposits | 70.4342% | 4,479 |
Total domestic deposits to total assets | 88.6211% | 1,749 |
Equity capital to assets | 9.9437% | 4,426 |
Core capital (leverage) ratio | 9.4363% | 4,236 |
Tier 1 risk-based capital ratio | 12.4752% | 5,581 |
Total risk-based capital ratio | 13.7286% | 5,564 |
Memoranda: | ||
Average total assets | $67,254,670 | 5,805 |
Average earning assets | $59,591,670 | 5,855 |
Average equity | $6,639,000 | 5,949 |
Average total loans | $42,127,670 | 5,510 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5773% | 654 |
Cost of funding earning assets | 0.5009% | 5,815 |
Net interest margin | 5.0764% | 357 |
Noninterest income to average assets | 1.6268% | 549 |
Noninterest expense to average assets | 4.3720% | 615 |
Loan and lease loss provision to assets | 0.6938% | 759 |
Net operating income to assets | 1.0466% | 2,297 |
Return on assets (ROA) | 0.9390% | 2,953 |
Pretax return on assets | 0.9390% | 3,904 |
Return on Equity (ROE) | 9.5477% | 2,583 |
Retained earnings to average equity (ytd only) | 9.5477% | 1,399 |
Net charge-offs to loans | 0.0754% | 3,749 |
Credit loss provision to net charge-offs | 1,450.0000% | 242 |
Earnings coverage of net charge-offs (x) | 36.3750% | 808 |
Efficiency ratio | 71.5264% | 3,525 |
Assets per employee ($millions) | 2.8451% | 6,441 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5905% | 3,762 |
Loan loss allowance to noncurrent loans | 1,082.2581% | 365 |
Noncurrent assets plus other real estate owned to assets | 1.0544% | 4,381 |
Noncurrent loans to loans | 0.1470% | 6,393 |
Net loans and leases to total assets | 60.8028% | 3,493 |
Net loans and leases to deposits | 68.4675% | 3,982 |
Net loans and leases to core deposits | 71.2988% | 4,255 |
Total domestic deposits to total assets | 88.8054% | 1,814 |
Equity capital to assets | 9.7652% | 4,431 |
Core capital (leverage) ratio | 9.3094% | 4,344 |
Tier 1 risk-based capital ratio | 12.3340% | 5,730 |
Total risk-based capital ratio | 13.5850% | 5,693 |
Memoranda: | ||
Average total assets | $66,880,500 | 5,860 |
Average earning assets | $59,096,500 | 5,901 |
Average equity | $6,577,500 | 6,001 |
Average total loans | $42,436,000 | 5,535 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9011% | 517 |
Cost of funding earning assets | 0.6916% | 5,595 |
Net interest margin | 5.2095% | 279 |
Noninterest income to average assets | 1.0071% | 1,352 |
Noninterest expense to average assets | 4.2930% | 725 |
Loan and lease loss provision to assets | 1.0588% | 871 |
Net operating income to assets | 0.2388% | 5,464 |
Return on assets (ROA) | 0.2175% | 5,674 |
Pretax return on assets | 0.2175% | 5,742 |
Return on Equity (ROE) | 2.2770% | 5,552 |
Retained earnings to average equity (ytd only) | 2.2770% | 4,593 |
Net charge-offs to loans | 2.6103% | 430 |
Credit loss provision to net charge-offs | 60.4692% | 5,159 |
Earnings coverage of net charge-offs (x) | 0.7411% | 5,251 |
Efficiency ratio | 76.7891% | 2,773 |
Assets per employee ($millions) | 2.8469% | 6,386 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3190% | 4,810 |
Loan loss allowance to noncurrent loans | 804.2857% | 471 |
Noncurrent assets plus other real estate owned to assets | 1.1118% | 4,384 |
Noncurrent loans to loans | 0.1640% | 6,426 |
Net loans and leases to total assets | 64.3269% | 3,115 |
Net loans and leases to deposits | 72.5694% | 3,724 |
Net loans and leases to core deposits | 76.0508% | 3,974 |
Total domestic deposits to total assets | 88.6420% | 1,758 |
Equity capital to assets | 9.9071% | 4,295 |
Core capital (leverage) ratio | 9.4723% | 4,073 |
Tier 1 risk-based capital ratio | 11.9902% | 5,844 |
Total risk-based capital ratio | 13.0973% | 5,914 |
Memoranda: | ||
Average total assets | $65,735,400 | 5,873 |
Average earning assets | $57,836,600 | 5,936 |
Average equity | $6,280,200 | 6,083 |
Average total loans | $44,095,200 | 5,513 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9313% | 531 |
Cost of funding earning assets | 0.7443% | 5,498 |
Net interest margin | 5.1870% | 296 |
Noninterest income to average assets | 1.1185% | 1,063 |
Noninterest expense to average assets | 4.2856% | 725 |
Loan and lease loss provision to assets | 1.1712% | 678 |
Net operating income to assets | 0.2229% | 5,640 |
Return on assets (ROA) | 0.1945% | 5,845 |
Pretax return on assets | 0.1945% | 5,905 |
Return on Equity (ROE) | 2.0551% | 5,756 |
Retained earnings to average equity (ytd only) | 2.0551% | 5,108 |
Net charge-offs to loans | 2.8317% | 349 |
Credit loss provision to net charge-offs | 61.2288% | 4,772 |
Earnings coverage of net charge-offs (x) | 0.7288% | 5,068 |
Efficiency ratio | 75.4549% | 2,927 |
Assets per employee ($millions) | 2.6519% | 6,721 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5120% | 4,041 |
Loan loss allowance to noncurrent loans | 51.5008% | 4,917 |
Noncurrent assets plus other real estate owned to assets | 2.3663% | 2,715 |
Noncurrent loans to loans | 2.9358% | 2,373 |
Net loans and leases to total assets | 66.7311% | 2,732 |
Net loans and leases to deposits | 75.6506% | 3,382 |
Net loans and leases to core deposits | 79.4281% | 3,718 |
Total domestic deposits to total assets | 88.2096% | 1,918 |
Equity capital to assets | 10.1893% | 4,102 |
Core capital (leverage) ratio | 9.2604% | 4,529 |
Tier 1 risk-based capital ratio | 11.8708% | 5,985 |
Total risk-based capital ratio | 13.1219% | 5,967 |
Memoranda: | ||
Average total assets | $65,799,750 | 5,918 |
Average earning assets | $57,860,750 | 5,981 |
Average equity | $6,228,500 | 6,135 |
Average total loans | $44,448,250 | 5,538 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8932% | 589 |
Cost of funding earning assets | 0.7751% | 5,535 |
Net interest margin | 5.1181% | 323 |
Noninterest income to average assets | 1.1065% | 1,059 |
Noninterest expense to average assets | 4.2274% | 808 |
Loan and lease loss provision to assets | 1.2839% | 584 |
Net operating income to assets | 0.1022% | 6,009 |
Return on assets (ROA) | 0.0601% | 6,176 |
Pretax return on assets | 0.0601% | 6,171 |
Return on Equity (ROE) | 0.6511% | 6,158 |
Retained earnings to average equity (ytd only) | 0.6511% | 5,595 |
Net charge-offs to loans | 2.4861% | 479 |
Credit loss provision to net charge-offs | 76.5233% | 3,870 |
Earnings coverage of net charge-offs (x) | 0.8262% | 4,683 |
Efficiency ratio | 75.3080% | 3,137 |
Assets per employee ($millions) | 2.8272% | 6,424 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9784% | 2,428 |
Loan loss allowance to noncurrent loans | 68.0737% | 4,037 |
Noncurrent assets plus other real estate owned to assets | 2.3729% | 2,779 |
Noncurrent loans to loans | 2.9063% | 2,510 |
Net loans and leases to total assets | 67.5848% | 2,695 |
Net loans and leases to deposits | 76.0974% | 3,448 |
Net loans and leases to core deposits | 80.7315% | 3,686 |
Total domestic deposits to total assets | 88.8135% | 1,659 |
Equity capital to assets | 9.6947% | 4,542 |
Core capital (leverage) ratio | 8.6429% | 5,321 |
Tier 1 risk-based capital ratio | 11.3670% | 6,274 |
Total risk-based capital ratio | 12.6221% | 6,259 |
Memoranda: | ||
Average total assets | $66,518,000 | 5,940 |
Average earning assets | $58,576,330 | 6,011 |
Average equity | $6,143,000 | 6,192 |
Average total loans | $44,890,000 | 5,567 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9197% | 573 |
Cost of funding earning assets | 0.8156% | 5,496 |
Net interest margin | 5.1041% | 305 |
Noninterest income to average assets | 1.2726% | 785 |
Noninterest expense to average assets | 4.0675% | 959 |
Loan and lease loss provision to assets | 2.1705% | 247 |
Net operating income to assets | -0.4995% | 6,805 |
Return on assets (ROA) | -0.5828% | 6,862 |
Pretax return on assets | -0.5828% | 6,809 |
Return on Equity (ROE) | -6.4660% | 6,891 |
Retained earnings to average equity (ytd only) | -6.4660% | 6,632 |
Net charge-offs to loans | 5.1917% | 142 |
Credit loss provision to net charge-offs | 62.6072% | 3,498 |
Earnings coverage of net charge-offs (x) | 0.4820% | 4,262 |
Efficiency ratio | 70.8808% | 4,077 |
Assets per employee ($millions) | 3.0971% | 5,958 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8273% | 2,928 |
Loan loss allowance to noncurrent loans | 85.7449% | 3,327 |
Noncurrent assets plus other real estate owned to assets | 1.7216% | 3,670 |
Noncurrent loans to loans | 2.1311% | 3,405 |
Net loans and leases to total assets | 63.0797% | 3,633 |
Net loans and leases to deposits | 70.2265% | 4,312 |
Net loans and leases to core deposits | 76.2151% | 4,277 |
Total domestic deposits to total assets | 89.8233% | 1,263 |
Equity capital to assets | 8.8529% | 5,414 |
Core capital (leverage) ratio | 8.2324% | 5,932 |
Tier 1 risk-based capital ratio | 11.2301% | 6,327 |
Total risk-based capital ratio | 12.4837% | 6,294 |
Memoranda: | ||
Average total assets | $67,264,500 | 5,959 |
Average earning assets | $58,854,500 | 6,035 |
Average equity | $6,062,500 | 6,224 |
Average total loans | $44,918,000 | 5,616 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4381% | 348 |
Cost of funding earning assets | 1.2136% | 4,467 |
Net interest margin | 5.2245% | 276 |
Noninterest income to average assets | 1.4057% | 738 |
Noninterest expense to average assets | 4.2293% | 875 |
Loan and lease loss provision to assets | 0.7669% | 2,133 |
Net operating income to assets | 0.9236% | 2,304 |
Return on assets (ROA) | 0.6855% | 3,409 |
Pretax return on assets | 0.6795% | 4,048 |
Return on Equity (ROE) | 7.5409% | 2,876 |
Retained earnings to average equity (ytd only) | 0.3149% | 5,425 |
Net charge-offs to loans | 1.6696% | 1,300 |
Credit loss provision to net charge-offs | 64.6760% | 5,990 |
Earnings coverage of net charge-offs (x) | 1.4206% | 4,695 |
Efficiency ratio | 71.5159% | 3,886 |
Assets per employee ($millions) | 2.7664% | 6,580 |
Cash dividends to net income (ytd only)* | 95.8242% | 457 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2104% | 1,849 |
Loan loss allowance to noncurrent loans | 62.8007% | 4,261 |
Noncurrent assets plus other real estate owned to assets | 2.8166% | 2,491 |
Noncurrent loans to loans | 3.5196% | 2,146 |
Net loans and leases to total assets | 67.8355% | 3,020 |
Net loans and leases to deposits | 75.8765% | 3,862 |
Net loans and leases to core deposits | 84.1737% | 3,568 |
Total domestic deposits to total assets | 89.4025% | 1,439 |
Equity capital to assets | 9.1772% | 4,874 |
Core capital (leverage) ratio | 9.0062% | 4,543 |
Tier 1 risk-based capital ratio | 11.3016% | 6,091 |
Total risk-based capital ratio | 12.5603% | 6,072 |
Memoranda: | ||
Average total assets | $66,370,600 | 5,985 |
Average earning assets | $57,268,600 | 6,089 |
Average equity | $6,033,800 | 6,351 |
Average total loans | $47,138,200 | 5,593 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4625% | 369 |
Cost of funding earning assets | 1.2837% | 4,338 |
Net interest margin | 5.1788% | 310 |
Noninterest income to average assets | 1.2737% | 849 |
Noninterest expense to average assets | 4.1467% | 880 |
Loan and lease loss provision to assets | 0.6208% | 2,453 |
Net operating income to assets | 0.9884% | 2,281 |
Return on assets (ROA) | 0.6288% | 3,924 |
Pretax return on assets | 0.6208% | 4,525 |
Return on Equity (ROE) | 6.9334% | 3,378 |
Retained earnings to average equity (ytd only) | -1.9493% | 6,194 |
Net charge-offs to loans | 1.9377% | 980 |
Credit loss provision to net charge-offs | 44.8476% | 5,962 |
Earnings coverage of net charge-offs (x) | 1.1568% | 4,908 |
Efficiency ratio | 72.1426% | 3,666 |
Assets per employee ($millions) | 2.6306% | 6,881 |
Cash dividends to net income (ytd only)* | 128.1151% | 187 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9432% | 2,371 |
Loan loss allowance to noncurrent loans | 72.9880% | 3,666 |
Noncurrent assets plus other real estate owned to assets | 2.0010% | 3,467 |
Noncurrent loans to loans | 2.6623% | 2,970 |
Net loans and leases to total assets | 70.2840% | 2,670 |
Net loans and leases to deposits | 80.1217% | 3,427 |
Net loans and leases to core deposits | 90.4277% | 3,038 |
Total domestic deposits to total assets | 87.7216% | 2,147 |
Equity capital to assets | 9.2434% | 5,237 |
Core capital (leverage) ratio | 8.8675% | 4,897 |
Tier 1 risk-based capital ratio | 11.0235% | 6,356 |
Total risk-based capital ratio | 12.2794% | 6,327 |
Memoranda: | ||
Average total assets | $66,365,000 | 6,053 |
Average earning assets | $57,334,500 | 6,150 |
Average equity | $6,019,000 | 6,438 |
Average total loans | $47,408,750 | 5,664 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4173% | 394 |
Cost of funding earning assets | 1.3349% | 4,297 |
Net interest margin | 5.0824% | 357 |
Noninterest income to average assets | 1.1117% | 1,065 |
Noninterest expense to average assets | 4.0592% | 972 |
Loan and lease loss provision to assets | 0.0060% | 6,826 |
Net operating income to assets | 1.4512% | 986 |
Return on assets (ROA) | 0.8984% | 2,677 |
Pretax return on assets | 0.8864% | 3,553 |
Return on Equity (ROE) | 9.9683% | 2,118 |
Retained earnings to average equity (ytd only) | -1.4002% | 6,045 |
Net charge-offs to loans | 2.4674% | 707 |
Credit loss provision to net charge-offs | 0.3413% | 6,001 |
Earnings coverage of net charge-offs (x) | 0.8208% | 4,954 |
Efficiency ratio | 73.7445% | 3,522 |
Assets per employee ($millions) | 2.6336% | 6,888 |
Cash dividends to net income (ytd only)* | 114.0468% | 329 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5238% | 3,800 |
Loan loss allowance to noncurrent loans | 51.9708% | 4,842 |
Noncurrent assets plus other real estate owned to assets | 2.1111% | 3,363 |
Noncurrent loans to loans | 2.9321% | 2,730 |
Net loans and leases to total assets | 69.8835% | 2,930 |
Net loans and leases to deposits | 79.7269% | 3,646 |
Net loans and leases to core deposits | 90.9166% | 3,138 |
Total domestic deposits to total assets | 87.6536% | 2,179 |
Equity capital to assets | 9.0567% | 5,356 |
Core capital (leverage) ratio | 8.8698% | 4,802 |
Tier 1 risk-based capital ratio | 10.1412% | 6,947 |
Total risk-based capital ratio | 11.3659% | 6,931 |
Memoranda: | ||
Average total assets | $66,564,670 | 6,083 |
Average earning assets | $57,531,670 | 6,186 |
Average equity | $5,999,000 | 6,465 |
Average total loans | $47,498,670 | 5,701 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2883% | 538 |
Cost of funding earning assets | 1.3989% | 4,181 |
Net interest margin | 4.8893% | 531 |
Noninterest income to average assets | 1.1176% | 1,005 |
Noninterest expense to average assets | 3.7833% | 1,351 |
Loan and lease loss provision to assets | -0.6515% | 7,906 |
Net operating income to assets | 2.2293% | 242 |
Return on assets (ROA) | 1.5838% | 831 |
Pretax return on assets | 1.5599% | 1,365 |
Return on Equity (ROE) | 17.6168% | 548 |
Retained earnings to average equity (ytd only) | 8.2433% | 1,607 |
Net charge-offs to loans | -0.5012% | 7,798 |
Credit loss provision to net charge-offs | 181.6667% | 2,019 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.8847% | 4,138 |
Assets per employee ($millions) | 2.6542% | 6,950 |
Cash dividends to net income (ytd only)* | 53.2075% | 1,408 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6172% | 1,157 |
Loan loss allowance to noncurrent loans | 80.7120% | 3,377 |
Noncurrent assets plus other real estate owned to assets | 2.4489% | 2,969 |
Noncurrent loans to loans | 3.2427% | 2,464 |
Net loans and leases to total assets | 69.9254% | 2,957 |
Net loans and leases to deposits | 79.8551% | 3,681 |
Net loans and leases to core deposits | 90.9713% | 3,232 |
Total domestic deposits to total assets | 87.5654% | 2,325 |
Equity capital to assets | 9.1915% | 4,999 |
Core capital (leverage) ratio | 9.0052% | 4,558 |
Tier 1 risk-based capital ratio | 10.9429% | 6,214 |
Total risk-based capital ratio | 12.2061% | 6,173 |
Memoranda: | ||
Average total assets | $66,926,500 | 6,140 |
Average earning assets | $57,758,500 | 6,255 |
Average equity | $6,017,000 | 6,514 |
Average total loans | $47,886,000 | 5,763 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4914% | 683 |
Cost of funding earning assets | 1.9602% | 3,155 |
Net interest margin | 4.5312% | 1,111 |
Noninterest income to average assets | 2.3753% | 295 |
Noninterest expense to average assets | 3.9510% | 1,437 |
Loan and lease loss provision to assets | 1.8988% | 1,174 |
Net operating income to assets | 0.5433% | 3,559 |
Return on assets (ROA) | 0.4869% | 3,882 |
Pretax return on assets | 0.4957% | 4,197 |
Return on Equity (ROE) | 5.8242% | 3,287 |
Retained earnings to average equity (ytd only) | 0.6001% | 4,567 |
Net charge-offs to loans | 1.2106% | 2,035 |
Credit loss provision to net charge-offs | 218.1356% | 1,740 |
Earnings coverage of net charge-offs (x) | 2.8169% | 3,683 |
Efficiency ratio | 61.7051% | 6,203 |
Assets per employee ($millions) | 2.8124% | 6,637 |
Cash dividends to net income (ytd only)* | 89.6970% | 868 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6929% | 1,019 |
Loan loss allowance to noncurrent loans | 57.3959% | 4,554 |
Noncurrent assets plus other real estate owned to assets | 3.3971% | 1,995 |
Noncurrent loans to loans | 4.6919% | 1,497 |
Net loans and leases to total assets | 69.3798% | 3,394 |
Net loans and leases to deposits | 78.8291% | 4,210 |
Net loans and leases to core deposits | 97.1859% | 4,326 |
Total domestic deposits to total assets | 88.0130% | 1,972 |
Equity capital to assets | 8.7929% | 5,453 |
Core capital (leverage) ratio | 8.8990% | 4,587 |
Tier 1 risk-based capital ratio | 10.4305% | 6,465 |
Total risk-based capital ratio | 11.7718% | 6,350 |
Memoranda: | ||
Average total assets | $67,780,400 | 6,084 |
Average earning assets | $60,249,200 | 6,115 |
Average equity | $5,666,000 | 6,722 |
Average total loans | $48,736,400 | 5,730 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5395% | 691 |
Cost of funding earning assets | 2.0512% | 3,115 |
Net interest margin | 4.4884% | 1,223 |
Noninterest income to average assets | 1.6880% | 517 |
Noninterest expense to average assets | 4.0991% | 1,152 |
Loan and lease loss provision to assets | 2.0220% | 889 |
Net operating income to assets | -0.4244% | 6,352 |
Return on assets (ROA) | -0.4244% | 6,349 |
Pretax return on assets | -0.4127% | 6,215 |
Return on Equity (ROE) | -5.1438% | 6,471 |
Retained earnings to average equity (ytd only) | -11.4070% | 6,908 |
Net charge-offs to loans | 2.0045% | 981 |
Credit loss provision to net charge-offs | 140.0000% | 3,519 |
Earnings coverage of net charge-offs (x) | 1.1143% | 4,948 |
Efficiency ratio | 71.8072% | 4,280 |
Assets per employee ($millions) | 2.6748% | 6,903 |
Cash dividends to net income (ytd only)* | -121.7612% | 8,016 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8676% | 2,108 |
Loan loss allowance to noncurrent loans | 43.9036% | 5,385 |
Noncurrent assets plus other real estate owned to assets | 3.3917% | 1,970 |
Noncurrent loans to loans | 4.2539% | 1,692 |
Net loans and leases to total assets | 70.1690% | 3,469 |
Net loans and leases to deposits | 80.4920% | 4,298 |
Net loans and leases to core deposits | 101.2057% | 4,243 |
Total domestic deposits to total assets | 87.1751% | 2,090 |
Equity capital to assets | 7.9378% | 6,903 |
Core capital (leverage) ratio | 7.9815% | 6,392 |
Tier 1 risk-based capital ratio | 9.5276% | 7,348 |
Total risk-based capital ratio | 10.7819% | 7,313 |
Memoranda: | ||
Average total assets | $67,851,000 | 6,112 |
Average earning assets | $60,777,500 | 6,149 |
Average equity | $5,598,750 | 6,818 |
Average total loans | $48,889,000 | 5,763 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5899% | 672 |
Cost of funding earning assets | 2.0981% | 3,272 |
Net interest margin | 4.4918% | 1,183 |
Noninterest income to average assets | 1.9420% | 393 |
Noninterest expense to average assets | 4.0864% | 1,205 |
Loan and lease loss provision to assets | 0.8859% | 1,904 |
Net operating income to assets | 1.0091% | 2,073 |
Return on assets (ROA) | 1.0091% | 2,168 |
Pretax return on assets | 1.0267% | 2,898 |
Return on Equity (ROE) | 12.0794% | 1,389 |
Retained earnings to average equity (ytd only) | 5.7588% | 2,140 |
Net charge-offs to loans | -0.0569% | 7,866 |
Credit loss provision to net charge-offs | -2,157.1429% | 7,185 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.1174% | 5,139 |
Assets per employee ($millions) | 2.6254% | 7,004 |
Cash dividends to net income (ytd only)* | 52.3256% | 1,952 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8956% | 1,806 |
Loan loss allowance to noncurrent loans | 33.9896% | 6,193 |
Noncurrent assets plus other real estate owned to assets | 4.4359% | 1,272 |
Noncurrent loans to loans | 5.5771% | 1,034 |
Net loans and leases to total assets | 69.3720% | 3,856 |
Net loans and leases to deposits | 81.5057% | 4,299 |
Net loans and leases to core deposits | 105.9492% | 3,849 |
Total domestic deposits to total assets | 85.1130% | 3,211 |
Equity capital to assets | 8.5950% | 5,901 |
Core capital (leverage) ratio | 8.8634% | 4,841 |
Tier 1 risk-based capital ratio | 10.4296% | 6,443 |
Total risk-based capital ratio | 11.6831% | 6,389 |
Memoranda: | ||
Average total assets | $68,178,000 | 6,145 |
Average earning assets | $61,578,670 | 6,163 |
Average equity | $5,695,670 | 6,835 |
Average total loans | $49,247,000 | 5,800 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6252% | 676 |
Cost of funding earning assets | 2.1068% | 3,621 |
Net interest margin | 4.5184% | 1,088 |
Noninterest income to average assets | 2.0958% | 336 |
Noninterest expense to average assets | 3.9098% | 1,297 |
Loan and lease loss provision to assets | 0.8865% | 1,476 |
Net operating income to assets | 1.3561% | 1,247 |
Return on assets (ROA) | 1.3561% | 1,335 |
Pretax return on assets | 1.3913% | 1,991 |
Return on Equity (ROE) | 16.4706% | 756 |
Retained earnings to average equity (ytd only) | 10.0535% | 1,177 |
Net charge-offs to loans | 0.0241% | 5,211 |
Credit loss provision to net charge-offs | 5,033.3333% | 145 |
Earnings coverage of net charge-offs (x) | 129.3333% | 337 |
Efficiency ratio | 63.1879% | 5,835 |
Assets per employee ($millions) | 2.7003% | 6,882 |
Cash dividends to net income (ytd only)* | 38.9610% | 2,095 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5166% | 2,883 |
Loan loss allowance to noncurrent loans | 20.8951% | 7,118 |
Noncurrent assets plus other real estate owned to assets | 5.7934% | 709 |
Noncurrent loans to loans | 7.2581% | 531 |
Net loans and leases to total assets | 71.8552% | 3,275 |
Net loans and leases to deposits | 84.1627% | 3,958 |
Net loans and leases to core deposits | 108.0790% | 3,665 |
Total domestic deposits to total assets | 85.3765% | 3,023 |
Equity capital to assets | 8.3827% | 6,266 |
Core capital (leverage) ratio | 8.6448% | 5,268 |
Tier 1 risk-based capital ratio | 10.0556% | 6,846 |
Total risk-based capital ratio | 11.2955% | 6,777 |
Memoranda: | ||
Average total assets | $68,136,500 | 6,172 |
Average earning assets | $61,703,500 | 6,184 |
Average equity | $5,610,000 | 6,915 |
Average total loans | $49,736,000 | 5,807 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8882% | 1,431 |
Cost of funding earning assets | 2.2107% | 5,552 |
Net interest margin | 4.6775% | 1,014 |
Noninterest income to average assets | 0.9315% | 1,847 |
Noninterest expense to average assets | 3.7129% | 1,931 |
Loan and lease loss provision to assets | 0.3835% | 3,396 |
Net operating income to assets | 1.0711% | 2,253 |
Return on assets (ROA) | -0.3012% | 6,599 |
Pretax return on assets | -0.2968% | 6,458 |
Return on Equity (ROE) | -3.3337% | 6,664 |
Retained earnings to average equity (ytd only) | -10.1636% | 7,083 |
Net charge-offs to loans | 0.3280% | 3,209 |
Credit loss provision to net charge-offs | 170.5882% | 2,996 |
Earnings coverage of net charge-offs (x) | 6.4902% | 3,350 |
Efficiency ratio | 71.7898% | 3,977 |
Assets per employee ($millions) | 2.7506% | 6,675 |
Cash dividends to net income (ytd only)* | -204.8780% | 8,202 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1928% | 4,592 |
Loan loss allowance to noncurrent loans | 24.8754% | 7,013 |
Noncurrent assets plus other real estate owned to assets | 3.8319% | 1,105 |
Noncurrent loans to loans | 4.7952% | 950 |
Net loans and leases to total assets | 72.1559% | 3,549 |
Net loans and leases to deposits | 84.0556% | 4,417 |
Net loans and leases to core deposits | 107.6569% | 4,005 |
Total domestic deposits to total assets | 85.8431% | 2,476 |
Equity capital to assets | 8.0870% | 6,722 |
Core capital (leverage) ratio | 8.5147% | 5,551 |
Tier 1 risk-based capital ratio | 9.9480% | 6,798 |
Total risk-based capital ratio | 10.9532% | 6,983 |
Memoranda: | ||
Average total assets | $68,060,000 | 6,089 |
Average earning assets | $61,699,400 | 6,100 |
Average equity | $6,149,400 | 6,752 |
Average total loans | $46,645,000 | 5,840 |