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 | 5.8303% | 1,504 |
Cost of funding earning assets | 1.6433% | 3,072 |
Net interest margin | 4.1870% | 914 |
Noninterest income to average assets | 0.4900% | 1,945 |
Noninterest expense to average assets | 2.7914% | 1,476 |
Loan and lease loss provision to assets | 0.0200% | 2,606 |
Net operating income to assets | 1.5592% | 861 |
Return on assets (ROA) | 1.5575% | 860 |
Pretax return on assets | 1.5575% | 1,221 |
Return on Equity (ROE) | 19.0500% | 486 |
Retained earnings to average equity (ytd only) | 9.9788% | 865 |
Net charge-offs to loans | 0.0082% | 2,355 |
Credit loss provision to net charge-offs | 431.2500% | 710 |
Earnings coverage of net charge-offs (x) | 248.6563% | 449 |
Efficiency ratio | 63.8696% | 2,726 |
Assets per employee ($millions) | 5.2589% | 3,476 |
Cash dividends to net income (ytd only)* | 47.6045% | 1,464 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4678% | 1,138 |
Loan loss allowance to noncurrent loans | 633.2526% | 1,036 |
Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,507 |
Noncurrent loans to loans | 0.2318% | 2,609 |
Net loans and leases to total assets | 80.1200% | 612 |
Net loans and leases to deposits | 88.7126% | 1,366 |
Net loans and leases to core deposits | 99.2300% | 1,527 |
Total domestic deposits to total assets | 90.3200% | 506 |
Equity capital to assets | 9.0207% | 3,020 |
Core capital (leverage) ratio | 9.8981% | 2,914 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2291% | 1,817 |
Memoranda: | ||
Average total assets | $671,846,250 | 1,385 |
Average earning assets | $622,293,000 | 1,381 |
Average equity | $54,941,750 | 1,598 |
Average total loans | $518,774,500 | 1,254 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7347% | 1,547 |
Cost of funding earning assets | 1.6962% | 2,866 |
Net interest margin | 4.0385% | 1,069 |
Noninterest income to average assets | 0.4900% | 1,897 |
Noninterest expense to average assets | 2.7464% | 1,573 |
Loan and lease loss provision to assets | 0.0300% | 2,286 |
Net operating income to assets | 1.4426% | 1,010 |
Return on assets (ROA) | 1.4426% | 1,011 |
Pretax return on assets | 1.4426% | 1,393 |
Return on Equity (ROE) | 18.2500% | 590 |
Retained earnings to average equity (ytd only) | 8.1212% | 1,341 |
Net charge-offs to loans | 0.0090% | 2,073 |
Credit loss provision to net charge-offs | 634.7826% | 534 |
Earnings coverage of net charge-offs (x) | 216.5652% | 469 |
Efficiency ratio | 65.1019% | 2,644 |
Assets per employee ($millions) | 5.3011% | 3,372 |
Cash dividends to net income (ytd only)* | 55.5009% | 1,277 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4961% | 1,078 |
Loan loss allowance to noncurrent loans | 740.3955% | 966 |
Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,573 |
Noncurrent loans to loans | 0.2021% | 2,687 |
Net loans and leases to total assets | 78.7600% | 818 |
Net loans and leases to deposits | 86.3502% | 1,618 |
Net loans and leases to core deposits | 96.5297% | 1,703 |
Total domestic deposits to total assets | 91.2100% | 409 |
Equity capital to assets | 8.3201% | 3,217 |
Core capital (leverage) ratio | 9.4908% | 3,252 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0266% | 1,877 |
Memoranda: | ||
Average total assets | $676,675,667 | 1,373 |
Average earning assets | $624,336,667 | 1,372 |
Average equity | $53,489,667 | 1,612 |
Average total loans | $513,516,667 | 1,265 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6181% | 1,598 |
Cost of funding earning assets | 1.6979% | 2,771 |
Net interest margin | 3.9202% | 1,196 |
Noninterest income to average assets | 0.4900% | 1,833 |
Noninterest expense to average assets | 2.6576% | 1,796 |
Loan and lease loss provision to assets | 0.0600% | 1,561 |
Net operating income to assets | 1.3987% | 1,061 |
Return on assets (ROA) | 1.3987% | 1,064 |
Pretax return on assets | 1.3987% | 1,436 |
Return on Equity (ROE) | 18.1500% | 592 |
Retained earnings to average equity (ytd only) | 5.6647% | 2,211 |
Net charge-offs to loans | 0.0063% | 1,864 |
Credit loss provision to net charge-offs | 1,500.0000% | 255 |
Earnings coverage of net charge-offs (x) | 312.5000% | 292 |
Efficiency ratio | 64.5892% | 2,746 |
Assets per employee ($millions) | 5.5094% | 3,260 |
Cash dividends to net income (ytd only)* | 68.7917% | 915 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5310% | 993 |
Loan loss allowance to noncurrent loans | 775.1234% | 997 |
Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,636 |
Noncurrent loans to loans | 0.1975% | 2,637 |
Net loans and leases to total assets | 73.9200% | 1,346 |
Net loans and leases to deposits | 82.5869% | 1,837 |
Net loans and leases to core deposits | 92.3299% | 1,891 |
Total domestic deposits to total assets | 89.5100% | 957 |
Equity capital to assets | 7.7789% | 3,511 |
Core capital (leverage) ratio | 9.1621% | 3,549 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9965% | 1,881 |
Memoranda: | ||
Average total assets | $686,345,500 | 1,356 |
Average earning assets | $634,664,000 | 1,356 |
Average equity | $52,889,000 | 1,621 |
Average total loans | $507,491,000 | 1,271 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2208% | 1,628 |
Cost of funding earning assets | 1.0697% | 3,145 |
Net interest margin | 4.1511% | 1,007 |
Noninterest income to average assets | 0.5000% | 1,995 |
Noninterest expense to average assets | 2.7314% | 1,661 |
Loan and lease loss provision to assets | 0.0500% | 2,105 |
Net operating income to assets | 1.5870% | 881 |
Return on assets (ROA) | 1.5445% | 917 |
Pretax return on assets | 1.5445% | 1,335 |
Return on Equity (ROE) | 20.7400% | 549 |
Retained earnings to average equity (ytd only) | 7.2659% | 1,802 |
Net charge-offs to loans | 0.0197% | 1,949 |
Credit loss provision to net charge-offs | 322.5806% | 911 |
Earnings coverage of net charge-offs (x) | 115.2366% | 837 |
Efficiency ratio | 62.5881% | 2,772 |
Assets per employee ($millions) | 5.8407% | 2,954 |
Cash dividends to net income (ytd only)* | 64.9635% | 1,001 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6056% | 830 |
Loan loss allowance to noncurrent loans | 551.0595% | 1,362 |
Noncurrent assets plus other real estate owned to assets | 0.2123% | 2,162 |
Noncurrent loans to loans | 0.2914% | 2,132 |
Net loans and leases to total assets | 71.6800% | 1,622 |
Net loans and leases to deposits | 84.7166% | 1,712 |
Net loans and leases to core deposits | 94.0072% | 1,774 |
Total domestic deposits to total assets | 84.6200% | 2,426 |
Equity capital to assets | 7.6371% | 3,635 |
Core capital (leverage) ratio | 9.1028% | 3,643 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0717% | 1,842 |
Memoranda: | ||
Average total assets | $656,411,200 | 1,370 |
Average earning assets | $611,762,400 | 1,359 |
Average equity | $48,886,200 | 1,636 |
Average total loans | $471,127,000 | 1,295 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0958% | 1,641 |
Cost of funding earning assets | 0.8216% | 3,469 |
Net interest margin | 4.2742% | 830 |
Noninterest income to average assets | 0.4900% | 2,012 |
Noninterest expense to average assets | 2.7704% | 1,498 |
Loan and lease loss provision to assets | 0.0600% | 1,749 |
Net operating income to assets | 1.6759% | 826 |
Return on assets (ROA) | 1.6186% | 898 |
Pretax return on assets | 1.6186% | 1,314 |
Return on Equity (ROE) | 21.8800% | 572 |
Retained earnings to average equity (ytd only) | 8.2725% | 1,868 |
Net charge-offs to loans | 0.0144% | 1,876 |
Credit loss provision to net charge-offs | 600.0000% | 555 |
Earnings coverage of net charge-offs (x) | 168.9600% | 672 |
Efficiency ratio | 61.4546% | 2,788 |
Assets per employee ($millions) | 5.6213% | 3,085 |
Cash dividends to net income (ytd only)* | 62.1934% | 876 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6641% | 764 |
Loan loss allowance to noncurrent loans | 693.9212% | 1,138 |
Noncurrent assets plus other real estate owned to assets | 0.1761% | 2,412 |
Noncurrent loans to loans | 0.2398% | 2,391 |
Net loans and leases to total assets | 72.2100% | 1,552 |
Net loans and leases to deposits | 85.2239% | 1,635 |
Net loans and leases to core deposits | 94.2135% | 1,664 |
Total domestic deposits to total assets | 84.7300% | 2,586 |
Equity capital to assets | 7.2281% | 3,498 |
Core capital (leverage) ratio | 9.0650% | 3,714 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4011% | 1,753 |
Memoranda: | ||
Average total assets | $648,213,500 | 1,378 |
Average earning assets | $608,908,750 | 1,362 |
Average equity | $47,949,000 | 1,647 |
Average total loans | $463,380,750 | 1,307 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9461% | 1,664 |
Cost of funding earning assets | 0.5066% | 3,967 |
Net interest margin | 4.4395% | 667 |
Noninterest income to average assets | 0.5000% | 1,875 |
Noninterest expense to average assets | 2.7983% | 1,416 |
Loan and lease loss provision to assets | 0.0800% | 1,369 |
Net operating income to assets | 1.7939% | 666 |
Return on assets (ROA) | 1.7071% | 769 |
Pretax return on assets | 1.7071% | 1,199 |
Return on Equity (ROE) | 22.9000% | 493 |
Retained earnings to average equity (ytd only) | 10.0479% | 1,390 |
Net charge-offs to loans | 0.0083% | 1,897 |
Credit loss provision to net charge-offs | 1,315.7895% | 338 |
Earnings coverage of net charge-offs (x) | 316.7895% | 432 |
Efficiency ratio | 59.9214% | 2,973 |
Assets per employee ($millions) | 5.4147% | 3,223 |
Cash dividends to net income (ytd only)* | 56.1202% | 1,097 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7121% | 728 |
Loan loss allowance to noncurrent loans | 589.7885% | 1,375 |
Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,138 |
Noncurrent loans to loans | 0.2903% | 2,093 |
Net loans and leases to total assets | 71.4400% | 1,591 |
Net loans and leases to deposits | 84.7528% | 1,604 |
Net loans and leases to core deposits | 89.2603% | 1,848 |
Total domestic deposits to total assets | 84.3000% | 2,750 |
Equity capital to assets | 7.5920% | 3,472 |
Core capital (leverage) ratio | 9.3520% | 3,409 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4366% | 1,743 |
Memoranda: | ||
Average total assets | $643,181,000 | 1,387 |
Average earning assets | $604,476,667 | 1,369 |
Average equity | $47,950,333 | 1,652 |
Average total loans | $455,487,333 | 1,312 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8635% | 1,480 |
Cost of funding earning assets | 0.3421% | 4,103 |
Net interest margin | 4.5214% | 569 |
Noninterest income to average assets | 0.4800% | 1,921 |
Noninterest expense to average assets | 2.8055% | 1,421 |
Loan and lease loss provision to assets | 0.0900% | 1,196 |
Net operating income to assets | 1.8284% | 640 |
Return on assets (ROA) | 1.6540% | 898 |
Pretax return on assets | 1.6540% | 1,366 |
Return on Equity (ROE) | 22.4000% | 554 |
Retained earnings to average equity (ytd only) | 3.7748% | 3,331 |
Net charge-offs to loans | 0.0072% | 1,681 |
Credit loss provision to net charge-offs | 1,875.0000% | 209 |
Earnings coverage of net charge-offs (x) | 384.3750% | 289 |
Efficiency ratio | 59.3415% | 3,041 |
Assets per employee ($millions) | 5.0678% | 3,607 |
Cash dividends to net income (ytd only)* | 83.1444% | 602 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7636% | 700 |
Loan loss allowance to noncurrent loans | 571.1429% | 1,478 |
Noncurrent assets plus other real estate owned to assets | 0.2210% | 2,027 |
Noncurrent loans to loans | 0.3088% | 2,040 |
Net loans and leases to total assets | 70.3100% | 1,591 |
Net loans and leases to deposits | 76.5196% | 2,073 |
Net loans and leases to core deposits | 78.4578% | 2,358 |
Total domestic deposits to total assets | 91.8900% | 542 |
Equity capital to assets | 7.6315% | 3,489 |
Core capital (leverage) ratio | 9.0263% | 3,712 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3695% | 1,843 |
Memoranda: | ||
Average total assets | $639,890,500 | 1,414 |
Average earning assets | $601,053,500 | 1,397 |
Average equity | $47,260,500 | 1,680 |
Average total loans | $447,084,000 | 1,343 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2462% | 1,163 |
Cost of funding earning assets | 0.2085% | 3,691 |
Net interest margin | 4.0377% | 741 |
Noninterest income to average assets | 0.5200% | 1,990 |
Noninterest expense to average assets | 2.6945% | 1,568 |
Loan and lease loss provision to assets | 0.0800% | 1,457 |
Net operating income to assets | 1.5226% | 833 |
Return on assets (ROA) | 1.5226% | 806 |
Pretax return on assets | 1.5226% | 1,389 |
Return on Equity (ROE) | 21.7100% | 356 |
Retained earnings to average equity (ytd only) | 11.0482% | 875 |
Net charge-offs to loans | 0.0241% | 1,577 |
Credit loss provision to net charge-offs | 489.7959% | 688 |
Earnings coverage of net charge-offs (x) | 100.7347% | 971 |
Efficiency ratio | 62.7373% | 2,669 |
Assets per employee ($millions) | 5.5716% | 3,151 |
Cash dividends to net income (ytd only)* | 49.1056% | 1,440 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7681% | 701 |
Loan loss allowance to noncurrent loans | 517.8073% | 1,562 |
Noncurrent assets plus other real estate owned to assets | 0.2329% | 1,977 |
Noncurrent loans to loans | 0.3415% | 1,925 |
Net loans and leases to total assets | 66.9900% | 1,932 |
Net loans and leases to deposits | 72.3483% | 2,381 |
Net loans and leases to core deposits | 74.3800% | 2,542 |
Total domestic deposits to total assets | 92.6000% | 491 |
Equity capital to assets | 7.1448% | 3,586 |
Core capital (leverage) ratio | 8.6742% | 3,983 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7967% | 1,694 |
Memoranda: | ||
Average total assets | $616,842,800 | 1,442 |
Average earning assets | $577,429,400 | 1,431 |
Average equity | $43,265,000 | 1,811 |
Average total loans | $406,431,200 | 1,377 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0427% | 1,174 |
Cost of funding earning assets | 0.1780% | 3,537 |
Net interest margin | 3.8647% | 860 |
Noninterest income to average assets | 0.5000% | 2,161 |
Noninterest expense to average assets | 2.6709% | 1,531 |
Loan and lease loss provision to assets | 0.0700% | 1,430 |
Net operating income to assets | 1.3729% | 1,163 |
Return on assets (ROA) | 1.3729% | 1,133 |
Pretax return on assets | 1.3729% | 1,804 |
Return on Equity (ROE) | 19.6700% | 461 |
Retained earnings to average equity (ytd only) | 10.3593% | 1,240 |
Net charge-offs to loans | -0.0023% | 3,298 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 64.8897% | 2,424 |
Assets per employee ($millions) | 5.6361% | 3,091 |
Cash dividends to net income (ytd only)* | 47.3391% | 1,304 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8482% | 665 |
Loan loss allowance to noncurrent loans | 627.8768% | 1,356 |
Noncurrent assets plus other real estate owned to assets | 0.1855% | 2,360 |
Noncurrent loans to loans | 0.2944% | 2,190 |
Net loans and leases to total assets | 61.8700% | 2,306 |
Net loans and leases to deposits | 66.3745% | 2,687 |
Net loans and leases to core deposits | 68.6393% | 2,749 |
Total domestic deposits to total assets | 93.2100% | 522 |
Equity capital to assets | 6.4602% | 3,764 |
Core capital (leverage) ratio | 8.3583% | 4,178 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9796% | 1,717 |
Memoranda: | ||
Average total assets | $609,478,250 | 1,465 |
Average earning assets | $569,934,250 | 1,454 |
Average equity | $42,537,000 | 1,867 |
Average total loans | $397,847,250 | 1,392 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8230% | 1,266 |
Cost of funding earning assets | 0.1570% | 3,491 |
Net interest margin | 3.6660% | 969 |
Noninterest income to average assets | 0.5114% | 2,136 |
Noninterest expense to average assets | 2.6550% | 1,495 |
Loan and lease loss provision to assets | 0.0609% | 1,502 |
Net operating income to assets | 1.2177% | 1,374 |
Return on assets (ROA) | 1.2177% | 1,361 |
Pretax return on assets | 1.2177% | 2,013 |
Return on Equity (ROE) | 16.9738% | 572 |
Retained earnings to average equity (ytd only) | 5.7413% | 2,418 |
Net charge-offs to loans | -0.0010% | 3,043 |
Credit loss provision to net charge-offs | -9,000.0000% | 3,842 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.4955% | 2,311 |
Assets per employee ($millions) | 4.8972% | 3,772 |
Cash dividends to net income (ytd only)* | 66.1757% | 910 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8743% | 704 |
Loan loss allowance to noncurrent loans | 450.2966% | 1,666 |
Noncurrent assets plus other real estate owned to assets | 0.2845% | 1,881 |
Noncurrent loans to loans | 0.4162% | 1,868 |
Net loans and leases to total assets | 67.0767% | 1,568 |
Net loans and leases to deposits | 72.0841% | 2,016 |
Net loans and leases to core deposits | 76.2324% | 1,993 |
Total domestic deposits to total assets | 93.0534% | 504 |
Equity capital to assets | 6.6188% | 3,966 |
Core capital (leverage) ratio | 8.1475% | 4,226 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7903% | 2,160 |
Memoranda: | ||
Average total assets | $590,951,333 | 1,521 |
Average earning assets | $551,663,333 | 1,518 |
Average equity | $42,394,667 | 1,918 |
Average total loans | $390,721,000 | 1,409 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7158% | 1,242 |
Cost of funding earning assets | 0.1661% | 3,277 |
Net interest margin | 3.5497% | 983 |
Noninterest income to average assets | 0.4934% | 2,177 |
Noninterest expense to average assets | 2.6380% | 1,505 |
Loan and lease loss provision to assets | 0.1017% | 818 |
Net operating income to assets | 1.0709% | 1,619 |
Return on assets (ROA) | 1.0709% | 1,610 |
Pretax return on assets | 1.0709% | 2,233 |
Return on Equity (ROE) | 14.3697% | 764 |
Retained earnings to average equity (ytd only) | 8.9401% | 1,284 |
Net charge-offs to loans | -0.0115% | 3,639 |
Credit loss provision to net charge-offs | -1,363.6364% | 3,314 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.2280% | 2,341 |
Assets per employee ($millions) | 5.2443% | 3,548 |
Cash dividends to net income (ytd only)* | 37.7848% | 1,559 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9672% | 655 |
Loan loss allowance to noncurrent loans | 589.2607% | 1,333 |
Noncurrent assets plus other real estate owned to assets | 0.2207% | 2,320 |
Noncurrent loans to loans | 0.3338% | 2,290 |
Net loans and leases to total assets | 64.8208% | 1,523 |
Net loans and leases to deposits | 69.9538% | 1,971 |
Net loans and leases to core deposits | 74.3541% | 1,913 |
Total domestic deposits to total assets | 92.6623% | 360 |
Equity capital to assets | 7.1509% | 4,128 |
Core capital (leverage) ratio | 8.2521% | 4,115 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8277% | 2,667 |
Memoranda: | ||
Average total assets | $590,144,000 | 1,528 |
Average earning assets | $551,478,000 | 1,529 |
Average equity | $43,981,500 | 1,919 |
Average total loans | $383,548,500 | 1,421 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0899% | 1,180 |
Cost of funding earning assets | 0.2984% | 2,421 |
Net interest margin | 3.7915% | 1,026 |
Noninterest income to average assets | 0.4577% | 2,775 |
Noninterest expense to average assets | 2.5910% | 1,895 |
Loan and lease loss provision to assets | 0.1389% | 870 |
Net operating income to assets | 1.2561% | 1,725 |
Return on assets (ROA) | 1.3633% | 1,449 |
Pretax return on assets | 1.3633% | 2,163 |
Return on Equity (ROE) | 16.2729% | 712 |
Retained earnings to average equity (ytd only) | 9.0358% | 1,191 |
Net charge-offs to loans | 0.0046% | 2,433 |
Credit loss provision to net charge-offs | 4,411.7647% | 163 |
Earnings coverage of net charge-offs (x) | 443.2353% | 300 |
Efficiency ratio | 65.0023% | 2,400 |
Assets per employee ($millions) | 5.7516% | 3,006 |
Cash dividends to net income (ytd only)* | 44.4731% | 1,799 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9391% | 672 |
Loan loss allowance to noncurrent loans | 489.8215% | 1,454 |
Noncurrent assets plus other real estate owned to assets | 0.2529% | 2,304 |
Noncurrent loans to loans | 0.3959% | 2,172 |
Net loans and leases to total assets | 62.6545% | 1,862 |
Net loans and leases to deposits | 68.0462% | 2,309 |
Net loans and leases to core deposits | 72.6761% | 2,193 |
Total domestic deposits to total assets | 92.0763% | 159 |
Equity capital to assets | 7.7463% | 4,491 |
Core capital (leverage) ratio | 8.4025% | 4,015 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6205% | 2,008 |
Memoranda: | ||
Average total assets | $540,146,000 | 1,599 |
Average earning assets | $502,657,200 | 1,599 |
Average equity | $45,253,200 | 1,914 |
Average total loans | $370,212,400 | 1,462 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2247% | 1,074 |
Cost of funding earning assets | 0.3328% | 2,269 |
Net interest margin | 3.8919% | 952 |
Noninterest income to average assets | 0.4753% | 2,732 |
Noninterest expense to average assets | 2.6382% | 1,730 |
Loan and lease loss provision to assets | 0.1522% | 733 |
Net operating income to assets | 1.2979% | 1,835 |
Return on assets (ROA) | 1.4448% | 1,471 |
Pretax return on assets | 1.4448% | 2,166 |
Return on Equity (ROE) | 16.8832% | 781 |
Retained earnings to average equity (ytd only) | 10.3534% | 1,213 |
Net charge-offs to loans | 0.0033% | 2,228 |
Credit loss provision to net charge-offs | 6,666.6667% | 119 |
Earnings coverage of net charge-offs (x) | 635.2222% | 247 |
Efficiency ratio | 64.5303% | 2,313 |
Assets per employee ($millions) | 5.1940% | 3,511 |
Cash dividends to net income (ytd only)* | 38.6763% | 1,678 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9358% | 719 |
Loan loss allowance to noncurrent loans | 492.5474% | 1,375 |
Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,999 |
Noncurrent loans to loans | 0.3930% | 2,388 |
Net loans and leases to total assets | 68.1773% | 1,298 |
Net loans and leases to deposits | 74.8580% | 1,773 |
Net loans and leases to core deposits | 80.7852% | 1,671 |
Total domestic deposits to total assets | 91.0755% | 342 |
Equity capital to assets | 8.5896% | 4,139 |
Core capital (leverage) ratio | 8.7945% | 3,758 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9046% | 2,397 |
Memoranda: | ||
Average total assets | $525,640,500 | 1,644 |
Average earning assets | $487,976,500 | 1,659 |
Average equity | $44,982,500 | 1,945 |
Average total loans | $367,218,000 | 1,497 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1755% | 1,225 |
Cost of funding earning assets | 0.3610% | 2,224 |
Net interest margin | 3.8146% | 1,120 |
Noninterest income to average assets | 0.5326% | 2,478 |
Noninterest expense to average assets | 2.6252% | 1,791 |
Loan and lease loss provision to assets | 0.1728% | 668 |
Net operating income to assets | 1.2734% | 1,938 |
Return on assets (ROA) | 1.4958% | 1,368 |
Pretax return on assets | 1.4958% | 2,026 |
Return on Equity (ROE) | 17.5016% | 717 |
Retained earnings to average equity (ytd only) | 9.8449% | 1,443 |
Net charge-offs to loans | -0.0016% | 3,156 |
Credit loss provision to net charge-offs | -15,000.0000% | 4,075 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4784% | 2,364 |
Assets per employee ($millions) | 4.9835% | 3,671 |
Cash dividends to net income (ytd only)* | 43.7484% | 1,437 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9055% | 731 |
Loan loss allowance to noncurrent loans | 373.2077% | 1,613 |
Noncurrent assets plus other real estate owned to assets | 0.4678% | 1,786 |
Noncurrent loans to loans | 0.5106% | 2,146 |
Net loans and leases to total assets | 69.5032% | 1,264 |
Net loans and leases to deposits | 76.2354% | 1,794 |
Net loans and leases to core deposits | 82.4178% | 1,687 |
Total domestic deposits to total assets | 91.1692% | 316 |
Equity capital to assets | 8.5752% | 4,145 |
Core capital (leverage) ratio | 8.6172% | 3,862 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5922% | 2,517 |
Memoranda: | ||
Average total assets | $520,795,000 | 1,653 |
Average earning assets | $483,149,667 | 1,654 |
Average equity | $44,510,333 | 1,950 |
Average total loans | $364,441,333 | 1,505 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2300% | 1,147 |
Cost of funding earning assets | 0.3881% | 2,195 |
Net interest margin | 3.8419% | 1,070 |
Noninterest income to average assets | 0.5152% | 2,544 |
Noninterest expense to average assets | 2.6442% | 1,757 |
Loan and lease loss provision to assets | 0.2321% | 482 |
Net operating income to assets | 1.2153% | 2,088 |
Return on assets (ROA) | 1.6632% | 1,050 |
Pretax return on assets | 1.6632% | 1,574 |
Return on Equity (ROE) | 19.4941% | 572 |
Retained earnings to average equity (ytd only) | 8.4232% | 2,118 |
Net charge-offs to loans | -0.0056% | 3,432 |
Credit loss provision to net charge-offs | -6,000.0000% | 3,736 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6247% | 2,394 |
Assets per employee ($millions) | 5.0462% | 3,604 |
Cash dividends to net income (ytd only)* | 56.7907% | 962 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8821% | 760 |
Loan loss allowance to noncurrent loans | 388.1601% | 1,427 |
Noncurrent assets plus other real estate owned to assets | 0.4495% | 2,043 |
Noncurrent loans to loans | 0.4849% | 2,399 |
Net loans and leases to total assets | 69.3671% | 1,372 |
Net loans and leases to deposits | 75.9075% | 1,919 |
Net loans and leases to core deposits | 82.8585% | 1,766 |
Total domestic deposits to total assets | 91.3837% | 264 |
Equity capital to assets | 8.3777% | 4,214 |
Core capital (leverage) ratio | 8.7152% | 3,899 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5349% | 2,477 |
Memoranda: | ||
Average total assets | $517,064,500 | 1,652 |
Average earning assets | $481,328,500 | 1,644 |
Average equity | $44,116,000 | 1,948 |
Average total loans | $359,518,500 | 1,528 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4782% | 1,369 |
Cost of funding earning assets | 0.5423% | 2,660 |
Net interest margin | 3.9359% | 1,125 |
Noninterest income to average assets | 0.5583% | 2,383 |
Noninterest expense to average assets | 2.8273% | 1,876 |
Loan and lease loss provision to assets | 0.2061% | 1,912 |
Net operating income to assets | 1.1572% | 1,697 |
Return on assets (ROA) | 1.1572% | 1,817 |
Pretax return on assets | 1.1572% | 2,489 |
Return on Equity (ROE) | 12.0576% | 1,305 |
Retained earnings to average equity (ytd only) | 4.5473% | 2,508 |
Net charge-offs to loans | 0.0276% | 2,481 |
Credit loss provision to net charge-offs | 989.3617% | 790 |
Earnings coverage of net charge-offs (x) | 65.4362% | 1,019 |
Efficiency ratio | 67.4671% | 2,302 |
Assets per employee ($millions) | 4.7600% | 3,648 |
Cash dividends to net income (ytd only)* | 62.2869% | 1,255 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9189% | 695 |
Loan loss allowance to noncurrent loans | 418.4211% | 1,325 |
Noncurrent assets plus other real estate owned to assets | 0.4577% | 2,200 |
Noncurrent loans to loans | 0.4586% | 2,595 |
Net loans and leases to total assets | 67.0171% | 1,953 |
Net loans and leases to deposits | 73.5509% | 2,528 |
Net loans and leases to core deposits | 80.6135% | 2,310 |
Total domestic deposits to total assets | 91.1166% | 199 |
Equity capital to assets | 8.6910% | 4,297 |
Core capital (leverage) ratio | 8.9942% | 3,690 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4734% | 2,059 |
Memoranda: | ||
Average total assets | $451,166,600 | 1,697 |
Average earning assets | $416,370,800 | 1,711 |
Average equity | $43,300,600 | 1,899 |
Average total loans | $340,427,400 | 1,536 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6231% | 1,246 |
Cost of funding earning assets | 0.5783% | 2,749 |
Net interest margin | 4.0448% | 1,023 |
Noninterest income to average assets | 0.5726% | 2,292 |
Noninterest expense to average assets | 2.8814% | 1,745 |
Loan and lease loss provision to assets | 0.1924% | 2,061 |
Net operating income to assets | 1.2172% | 1,586 |
Return on assets (ROA) | 1.2172% | 1,709 |
Pretax return on assets | 1.2172% | 2,337 |
Return on Equity (ROE) | 12.3423% | 1,289 |
Retained earnings to average equity (ytd only) | 5.5116% | 2,320 |
Net charge-offs to loans | 0.0158% | 2,567 |
Credit loss provision to net charge-offs | 1,575.0000% | 595 |
Earnings coverage of net charge-offs (x) | 115.4000% | 715 |
Efficiency ratio | 67.1506% | 2,295 |
Assets per employee ($millions) | 4.5207% | 3,824 |
Cash dividends to net income (ytd only)* | 55.3437% | 1,270 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8456% | 662 |
Loan loss allowance to noncurrent loans | 412.5722% | 1,235 |
Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,225 |
Noncurrent loans to loans | 0.4473% | 2,709 |
Net loans and leases to total assets | 71.3846% | 1,758 |
Net loans and leases to deposits | 80.7982% | 2,221 |
Net loans and leases to core deposits | 89.2202% | 2,041 |
Total domestic deposits to total assets | 88.3492% | 1,033 |
Equity capital to assets | 9.2242% | 3,932 |
Core capital (leverage) ratio | 9.1343% | 3,609 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3658% | 2,044 |
Memoranda: | ||
Average total assets | $436,628,000 | 1,721 |
Average earning assets | $401,396,750 | 1,739 |
Average equity | $43,059,500 | 1,895 |
Average total loans | $338,531,750 | 1,535 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7847% | 1,208 |
Cost of funding earning assets | 0.6056% | 2,935 |
Net interest margin | 4.1790% | 971 |
Noninterest income to average assets | 0.5823% | 2,199 |
Noninterest expense to average assets | 2.9585% | 1,692 |
Loan and lease loss provision to assets | 0.1562% | 2,436 |
Net operating income to assets | 1.3029% | 1,349 |
Return on assets (ROA) | 1.3029% | 1,457 |
Pretax return on assets | 1.3029% | 2,018 |
Return on Equity (ROE) | 12.8964% | 1,124 |
Retained earnings to average equity (ytd only) | 4.9392% | 2,506 |
Net charge-offs to loans | 0.0173% | 2,379 |
Credit loss provision to net charge-offs | 1,137.9310% | 725 |
Earnings coverage of net charge-offs (x) | 106.2759% | 674 |
Efficiency ratio | 66.9703% | 2,382 |
Assets per employee ($millions) | 4.4493% | 3,850 |
Cash dividends to net income (ytd only)* | 61.7006% | 1,191 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7128% | 792 |
Loan loss allowance to noncurrent loans | 225.2199% | 1,958 |
Noncurrent assets plus other real estate owned to assets | 0.7097% | 1,734 |
Noncurrent loans to loans | 0.7605% | 1,978 |
Net loans and leases to total assets | 74.7550% | 1,310 |
Net loans and leases to deposits | 84.5939% | 1,931 |
Net loans and leases to core deposits | 93.5806% | 1,780 |
Total domestic deposits to total assets | 88.3693% | 1,009 |
Equity capital to assets | 9.2379% | 3,888 |
Core capital (leverage) ratio | 9.4365% | 3,429 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8214% | 2,256 |
Memoranda: | ||
Average total assets | $422,438,667 | 1,739 |
Average earning assets | $387,697,667 | 1,761 |
Average equity | $42,678,667 | 1,898 |
Average total loans | $335,207,667 | 1,532 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0877% | 815 |
Cost of funding earning assets | 0.6514% | 3,162 |
Net interest margin | 4.4363% | 581 |
Noninterest income to average assets | 0.6776% | 1,741 |
Noninterest expense to average assets | 3.1298% | 1,569 |
Loan and lease loss provision to assets | 0.1659% | 1,762 |
Net operating income to assets | 1.4287% | 926 |
Return on assets (ROA) | 1.4287% | 996 |
Pretax return on assets | 1.4287% | 1,484 |
Return on Equity (ROE) | 13.4584% | 799 |
Retained earnings to average equity (ytd only) | 2.3393% | 3,321 |
Net charge-offs to loans | 0.0371% | 1,673 |
Credit loss provision to net charge-offs | 550.0000% | 831 |
Earnings coverage of net charge-offs (x) | 52.8667% | 863 |
Efficiency ratio | 66.2481% | 2,922 |
Assets per employee ($millions) | 3.8605% | 4,103 |
Cash dividends to net income (ytd only)* | 82.6179% | 979 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8531% | 659 |
Loan loss allowance to noncurrent loans | 216.5158% | 1,952 |
Noncurrent assets plus other real estate owned to assets | 0.8709% | 1,529 |
Noncurrent loans to loans | 0.8559% | 1,903 |
Net loans and leases to total assets | 78.1089% | 965 |
Net loans and leases to deposits | 87.5792% | 1,802 |
Net loans and leases to core deposits | 98.5713% | 1,580 |
Total domestic deposits to total assets | 89.1866% | 590 |
Equity capital to assets | 10.5253% | 3,297 |
Core capital (leverage) ratio | 10.3227% | 3,123 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0390% | 1,892 |
Memoranda: | ||
Average total assets | $397,847,000 | 1,774 |
Average earning assets | $362,914,000 | 1,803 |
Average equity | $42,234,000 | 1,906 |
Average total loans | $323,459,000 | 1,545 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2941% | 830 |
Cost of funding earning assets | 0.6359% | 3,480 |
Net interest margin | 4.6582% | 515 |
Noninterest income to average assets | 0.6869% | 1,859 |
Noninterest expense to average assets | 3.0670% | 1,837 |
Loan and lease loss provision to assets | 0.1675% | 1,246 |
Net operating income to assets | 1.6900% | 673 |
Return on assets (ROA) | 1.6900% | 722 |
Pretax return on assets | 1.6900% | 1,214 |
Return on Equity (ROE) | 16.7259% | 450 |
Retained earnings to average equity (ytd only) | 7.9761% | 986 |
Net charge-offs to loans | 0.0674% | 2,125 |
Credit loss provision to net charge-offs | 308.4112% | 898 |
Earnings coverage of net charge-offs (x) | 34.1963% | 1,453 |
Efficiency ratio | 62.2803% | 3,329 |
Assets per employee ($millions) | 3.6825% | 4,281 |
Cash dividends to net income (ytd only)* | 52.3130% | 1,910 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8013% | 657 |
Loan loss allowance to noncurrent loans | 167.2009% | 2,401 |
Noncurrent assets plus other real estate owned to assets | 0.9543% | 1,325 |
Noncurrent loans to loans | 1.0773% | 1,403 |
Net loans and leases to total assets | 81.5904% | 602 |
Net loans and leases to deposits | 91.6071% | 1,416 |
Net loans and leases to core deposits | 102.3617% | 1,379 |
Total domestic deposits to total assets | 89.0656% | 643 |
Equity capital to assets | 10.7095% | 3,249 |
Core capital (leverage) ratio | 10.4253% | 3,038 |
Tier 1 risk-based capital ratio | 13.1289% | 3,727 |
Total risk-based capital ratio | 14.3863% | 3,607 |
Memoranda: | ||
Average total assets | $393,968,400 | 1,756 |
Average earning assets | $358,397,800 | 1,786 |
Average equity | $39,806,600 | 1,944 |
Average total loans | $317,378,600 | 1,534 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2771% | 906 |
Cost of funding earning assets | 0.6257% | 3,553 |
Net interest margin | 4.6515% | 548 |
Noninterest income to average assets | 0.6773% | 1,881 |
Noninterest expense to average assets | 3.0402% | 1,858 |
Loan and lease loss provision to assets | 0.1671% | 1,114 |
Net operating income to assets | 1.6947% | 753 |
Return on assets (ROA) | 1.6947% | 795 |
Pretax return on assets | 1.6947% | 1,347 |
Return on Equity (ROE) | 17.0244% | 477 |
Retained earnings to average equity (ytd only) | 9.0600% | 1,027 |
Net charge-offs to loans | 0.0308% | 2,455 |
Credit loss provision to net charge-offs | 678.0822% | 493 |
Earnings coverage of net charge-offs (x) | 75.5350% | 893 |
Efficiency ratio | 62.0196% | 3,322 |
Assets per employee ($millions) | 3.6703% | 4,313 |
Cash dividends to net income (ytd only)* | 46.7823% | 1,838 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8301% | 638 |
Loan loss allowance to noncurrent loans | 239.1286% | 1,818 |
Noncurrent assets plus other real estate owned to assets | 0.6908% | 1,969 |
Noncurrent loans to loans | 0.7653% | 2,057 |
Net loans and leases to total assets | 79.4667% | 919 |
Net loans and leases to deposits | 89.2072% | 1,788 |
Net loans and leases to core deposits | 100.1849% | 1,643 |
Total domestic deposits to total assets | 89.0810% | 585 |
Equity capital to assets | 10.5228% | 3,521 |
Core capital (leverage) ratio | 10.2949% | 3,313 |
Tier 1 risk-based capital ratio | 13.9043% | 3,376 |
Total risk-based capital ratio | 15.1635% | 3,284 |
Memoranda: | ||
Average total assets | $394,874,000 | 1,772 |
Average earning assets | $358,645,500 | 1,798 |
Average equity | $39,307,250 | 1,973 |
Average total loans | $315,641,500 | 1,551 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2533% | 889 |
Cost of funding earning assets | 0.6041% | 3,631 |
Net interest margin | 4.6492% | 552 |
Noninterest income to average assets | 0.6466% | 1,938 |
Noninterest expense to average assets | 3.0228% | 1,946 |
Loan and lease loss provision to assets | 0.1668% | 1,089 |
Net operating income to assets | 1.6826% | 749 |
Return on assets (ROA) | 1.6826% | 779 |
Pretax return on assets | 1.6826% | 1,313 |
Return on Equity (ROE) | 17.2282% | 443 |
Retained earnings to average equity (ytd only) | 8.1534% | 1,331 |
Net charge-offs to loans | 0.0070% | 2,900 |
Credit loss provision to net charge-offs | 3,000.0000% | 118 |
Earnings coverage of net charge-offs (x) | 332.5455% | 233 |
Efficiency ratio | 62.0421% | 3,425 |
Assets per employee ($millions) | 3.7187% | 4,218 |
Cash dividends to net income (ytd only)* | 52.6743% | 1,658 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8214% | 653 |
Loan loss allowance to noncurrent loans | 264.8749% | 1,752 |
Noncurrent assets plus other real estate owned to assets | 0.6190% | 2,170 |
Noncurrent loans to loans | 0.6876% | 2,253 |
Net loans and leases to total assets | 77.4346% | 1,323 |
Net loans and leases to deposits | 87.3528% | 2,077 |
Net loans and leases to core deposits | 97.5894% | 1,921 |
Total domestic deposits to total assets | 88.6458% | 804 |
Equity capital to assets | 10.0461% | 3,939 |
Core capital (leverage) ratio | 10.0136% | 3,568 |
Tier 1 risk-based capital ratio | 13.7140% | 3,477 |
Total risk-based capital ratio | 14.9729% | 3,364 |
Memoranda: | ||
Average total assets | $395,589,670 | 1,777 |
Average earning assets | $359,544,330 | 1,804 |
Average equity | $38,634,330 | 1,995 |
Average total loans | $314,887,000 | 1,563 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2822% | 781 |
Cost of funding earning assets | 0.5819% | 3,669 |
Net interest margin | 4.7003% | 494 |
Noninterest income to average assets | 0.6338% | 1,891 |
Noninterest expense to average assets | 3.0109% | 1,965 |
Loan and lease loss provision to assets | 0.1673% | 1,005 |
Net operating income to assets | 1.7149% | 709 |
Return on assets (ROA) | 1.7149% | 735 |
Pretax return on assets | 1.7149% | 1,174 |
Return on Equity (ROE) | 17.8166% | 415 |
Retained earnings to average equity (ytd only) | 5.8581% | 2,516 |
Net charge-offs to loans | 0.0051% | 2,526 |
Credit loss provision to net charge-offs | 4,125.0000% | 99 |
Earnings coverage of net charge-offs (x) | 464.0000% | 165 |
Efficiency ratio | 61.5337% | 3,602 |
Assets per employee ($millions) | 3.6646% | 4,389 |
Cash dividends to net income (ytd only)* | 67.1200% | 1,174 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7629% | 756 |
Loan loss allowance to noncurrent loans | 361.5485% | 1,358 |
Noncurrent assets plus other real estate owned to assets | 0.4555% | 2,776 |
Noncurrent loans to loans | 0.4876% | 2,849 |
Net loans and leases to total assets | 76.8213% | 1,344 |
Net loans and leases to deposits | 86.1343% | 2,117 |
Net loans and leases to core deposits | 95.7237% | 1,951 |
Total domestic deposits to total assets | 89.1879% | 776 |
Equity capital to assets | 9.5494% | 4,210 |
Core capital (leverage) ratio | 9.5960% | 4,028 |
Tier 1 risk-based capital ratio | 13.2544% | 3,736 |
Total risk-based capital ratio | 14.5125% | 3,638 |
Memoranda: | ||
Average total assets | $394,432,000 | 1,787 |
Average earning assets | $357,427,000 | 1,816 |
Average equity | $37,964,500 | 2,016 |
Average total loans | $315,414,500 | 1,573 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1913% | 712 |
Cost of funding earning assets | 0.4746% | 3,517 |
Net interest margin | 4.7168% | 469 |
Noninterest income to average assets | 0.6425% | 2,074 |
Noninterest expense to average assets | 3.1429% | 1,693 |
Loan and lease loss provision to assets | 0.1583% | 1,302 |
Net operating income to assets | 1.6372% | 798 |
Return on assets (ROA) | 1.6505% | 771 |
Pretax return on assets | 1.6505% | 1,314 |
Return on Equity (ROE) | 16.8858% | 505 |
Retained earnings to average equity (ytd only) | 8.5370% | 1,032 |
Net charge-offs to loans | 0.0308% | 2,784 |
Credit loss provision to net charge-offs | 642.8571% | 536 |
Earnings coverage of net charge-offs (x) | 72.9011% | 909 |
Efficiency ratio | 63.6413% | 3,234 |
Assets per employee ($millions) | 3.6052% | 4,442 |
Cash dividends to net income (ytd only)* | 49.4424% | 1,991 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7094% | 816 |
Loan loss allowance to noncurrent loans | 363.0552% | 1,411 |
Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,712 |
Noncurrent loans to loans | 0.4708% | 2,862 |
Net loans and leases to total assets | 80.4146% | 879 |
Net loans and leases to deposits | 91.3685% | 1,619 |
Net loans and leases to core deposits | 101.3248% | 1,622 |
Total domestic deposits to total assets | 88.0112% | 1,290 |
Equity capital to assets | 9.7042% | 3,947 |
Core capital (leverage) ratio | 9.8070% | 3,788 |
Tier 1 risk-based capital ratio | 13.0835% | 3,795 |
Total risk-based capital ratio | 14.3410% | 3,684 |
Memoranda: | ||
Average total assets | $369,467,400 | 1,832 |
Average earning assets | $336,502,400 | 1,863 |
Average equity | $36,113,200 | 2,028 |
Average total loans | $295,135,200 | 1,611 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1505% | 689 |
Cost of funding earning assets | 0.4429% | 3,580 |
Net interest margin | 4.7076% | 468 |
Noninterest income to average assets | 0.6382% | 2,127 |
Noninterest expense to average assets | 3.1337% | 1,682 |
Loan and lease loss provision to assets | 0.1533% | 1,283 |
Net operating income to assets | 1.6413% | 859 |
Return on assets (ROA) | 1.6592% | 828 |
Pretax return on assets | 1.6592% | 1,385 |
Return on Equity (ROE) | 16.9426% | 549 |
Retained earnings to average equity (ytd only) | 9.9375% | 943 |
Net charge-offs to loans | 0.0257% | 2,604 |
Credit loss provision to net charge-offs | 750.0000% | 508 |
Earnings coverage of net charge-offs (x) | 87.8271% | 831 |
Efficiency ratio | 63.5866% | 3,255 |
Assets per employee ($millions) | 3.6938% | 4,315 |
Cash dividends to net income (ytd only)* | 41.3458% | 1,991 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7046% | 856 |
Loan loss allowance to noncurrent loans | 398.9394% | 1,321 |
Noncurrent assets plus other real estate owned to assets | 0.3795% | 3,170 |
Noncurrent loans to loans | 0.4273% | 3,127 |
Net loans and leases to total assets | 79.0486% | 1,159 |
Net loans and leases to deposits | 90.3185% | 1,853 |
Net loans and leases to core deposits | 99.6944% | 1,818 |
Total domestic deposits to total assets | 87.5220% | 1,476 |
Equity capital to assets | 9.5235% | 4,056 |
Core capital (leverage) ratio | 9.9493% | 3,692 |
Tier 1 risk-based capital ratio | 12.8757% | 3,976 |
Total risk-based capital ratio | 14.1324% | 3,875 |
Memoranda: | ||
Average total assets | $365,394,000 | 1,859 |
Average earning assets | $332,981,750 | 1,890 |
Average equity | $35,782,750 | 2,050 |
Average total loans | $290,018,250 | 1,643 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0603% | 719 |
Cost of funding earning assets | 0.4096% | 3,656 |
Net interest margin | 4.6507% | 498 |
Noninterest income to average assets | 0.6181% | 2,232 |
Noninterest expense to average assets | 3.1503% | 1,661 |
Loan and lease loss provision to assets | 0.1420% | 1,372 |
Net operating income to assets | 1.5749% | 978 |
Return on assets (ROA) | 1.6016% | 923 |
Pretax return on assets | 1.6016% | 1,497 |
Return on Equity (ROE) | 16.1958% | 634 |
Retained earnings to average equity (ytd only) | 8.5597% | 1,369 |
Net charge-offs to loans | 0.0374% | 2,104 |
Credit loss provision to net charge-offs | 481.1321% | 726 |
Earnings coverage of net charge-offs (x) | 58.1698% | 1,019 |
Efficiency ratio | 64.7254% | 3,207 |
Assets per employee ($millions) | 3.5588% | 4,521 |
Cash dividends to net income (ytd only)* | 47.1488% | 1,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7061% | 896 |
Loan loss allowance to noncurrent loans | 348.1583% | 1,467 |
Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,984 |
Noncurrent loans to loans | 0.4900% | 2,963 |
Net loans and leases to total assets | 79.4507% | 1,104 |
Net loans and leases to deposits | 88.2088% | 2,085 |
Net loans and leases to core deposits | 97.6405% | 1,914 |
Total domestic deposits to total assets | 90.0712% | 548 |
Equity capital to assets | 9.6624% | 3,952 |
Core capital (leverage) ratio | 9.9949% | 3,586 |
Tier 1 risk-based capital ratio | 13.0865% | 3,855 |
Total risk-based capital ratio | 14.3437% | 3,768 |
Memoranda: | ||
Average total assets | $359,140,330 | 1,891 |
Average earning assets | $328,125,330 | 1,916 |
Average equity | $35,515,330 | 2,069 |
Average total loans | $283,712,670 | 1,671 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9305% | 817 |
Cost of funding earning assets | 0.3860% | 3,688 |
Net interest margin | 4.5445% | 561 |
Noninterest income to average assets | 0.6209% | 2,167 |
Noninterest expense to average assets | 3.1059% | 1,810 |
Loan and lease loss provision to assets | 0.1866% | 909 |
Net operating income to assets | 1.4828% | 1,120 |
Return on assets (ROA) | 1.5382% | 990 |
Pretax return on assets | 1.5382% | 1,572 |
Return on Equity (ROE) | 15.3707% | 736 |
Retained earnings to average equity (ytd only) | 15.3707% | 299 |
Net charge-offs to loans | 0.0754% | 1,371 |
Credit loss provision to net charge-offs | 317.3077% | 786 |
Earnings coverage of net charge-offs (x) | 28.3846% | 1,273 |
Efficiency ratio | 65.0403% | 3,312 |
Assets per employee ($millions) | 3.5309% | 4,629 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7947% | 795 |
Loan loss allowance to noncurrent loans | 282.0585% | 1,726 |
Noncurrent assets plus other real estate owned to assets | 0.5992% | 2,518 |
Noncurrent loans to loans | 0.6363% | 2,635 |
Net loans and leases to total assets | 76.9490% | 1,396 |
Net loans and leases to deposits | 85.7524% | 2,195 |
Net loans and leases to core deposits | 94.3153% | 2,110 |
Total domestic deposits to total assets | 89.7340% | 770 |
Equity capital to assets | 10.0072% | 3,584 |
Core capital (leverage) ratio | 10.2006% | 3,303 |
Tier 1 risk-based capital ratio | 13.7475% | 3,521 |
Total risk-based capital ratio | 15.0053% | 3,419 |
Memoranda: | ||
Average total assets | $353,653,000 | 1,930 |
Average earning assets | $323,293,000 | 1,952 |
Average equity | $35,392,000 | 2,080 |
Average total loans | $275,987,500 | 1,712 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8495% | 893 |
Cost of funding earning assets | 0.3418% | 3,782 |
Net interest margin | 4.5078% | 598 |
Noninterest income to average assets | 0.6115% | 2,394 |
Noninterest expense to average assets | 3.0278% | 2,078 |
Loan and lease loss provision to assets | 0.1548% | 1,456 |
Net operating income to assets | 1.5157% | 775 |
Return on assets (ROA) | 1.5157% | 787 |
Pretax return on assets | 1.5157% | 1,578 |
Return on Equity (ROE) | 14.9967% | 610 |
Retained earnings to average equity (ytd only) | 7.1439% | 1,025 |
Net charge-offs to loans | 0.0194% | 3,460 |
Credit loss provision to net charge-offs | 1,050.0000% | 345 |
Earnings coverage of net charge-offs (x) | 113.3200% | 593 |
Efficiency ratio | 64.4453% | 3,541 |
Assets per employee ($millions) | 3.5423% | 4,646 |
Cash dividends to net income (ytd only)* | 52.3634% | 2,165 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7986% | 780 |
Loan loss allowance to noncurrent loans | 333.0163% | 1,543 |
Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,783 |
Noncurrent loans to loans | 0.5401% | 2,879 |
Net loans and leases to total assets | 76.3196% | 1,538 |
Net loans and leases to deposits | 84.9788% | 2,376 |
Net loans and leases to core deposits | 93.5408% | 2,238 |
Total domestic deposits to total assets | 89.8102% | 638 |
Equity capital to assets | 10.0079% | 3,698 |
Core capital (leverage) ratio | 10.0179% | 3,434 |
Tier 1 risk-based capital ratio | 13.5743% | 3,586 |
Total risk-based capital ratio | 14.8323% | 3,494 |
Memoranda: | ||
Average total assets | $339,191,600 | 1,964 |
Average earning assets | $307,514,600 | 2,002 |
Average equity | $34,280,800 | 2,120 |
Average total loans | $257,415,000 | 1,770 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7968% | 933 |
Cost of funding earning assets | 0.3298% | 3,848 |
Net interest margin | 4.4670% | 645 |
Noninterest income to average assets | 0.6109% | 2,418 |
Noninterest expense to average assets | 3.0181% | 2,066 |
Loan and lease loss provision to assets | 0.1427% | 1,478 |
Net operating income to assets | 1.4938% | 910 |
Return on assets (ROA) | 1.4938% | 930 |
Pretax return on assets | 1.4938% | 1,789 |
Return on Equity (ROE) | 14.7427% | 690 |
Retained earnings to average equity (ytd only) | 8.8934% | 883 |
Net charge-offs to loans | 0.0189% | 3,114 |
Credit loss provision to net charge-offs | 1,000.0000% | 354 |
Earnings coverage of net charge-offs (x) | 114.6638% | 640 |
Efficiency ratio | 64.8412% | 3,394 |
Assets per employee ($millions) | 3.5315% | 4,683 |
Cash dividends to net income (ytd only)* | 39.6762% | 2,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8049% | 848 |
Loan loss allowance to noncurrent loans | 237.0758% | 1,951 |
Noncurrent assets plus other real estate owned to assets | 0.6238% | 2,641 |
Noncurrent loans to loans | 0.7613% | 2,454 |
Net loans and leases to total assets | 75.4548% | 1,689 |
Net loans and leases to deposits | 84.4656% | 2,498 |
Net loans and leases to core deposits | 93.5365% | 2,307 |
Total domestic deposits to total assets | 89.3320% | 732 |
Equity capital to assets | 10.3244% | 3,573 |
Core capital (leverage) ratio | 10.2890% | 3,214 |
Tier 1 risk-based capital ratio | 13.7661% | 3,542 |
Total risk-based capital ratio | 15.0238% | 3,473 |
Memoranda: | ||
Average total assets | $336,318,750 | 1,988 |
Average earning assets | $304,445,500 | 2,033 |
Average equity | $34,077,000 | 2,145 |
Average total loans | $253,633,250 | 1,806 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7716% | 916 |
Cost of funding earning assets | 0.3177% | 3,900 |
Net interest margin | 4.4539% | 632 |
Noninterest income to average assets | 0.6223% | 2,367 |
Noninterest expense to average assets | 3.0391% | 2,013 |
Loan and lease loss provision to assets | 0.1167% | 1,761 |
Net operating income to assets | 1.4929% | 880 |
Return on assets (ROA) | 1.4929% | 903 |
Pretax return on assets | 1.4929% | 1,673 |
Return on Equity (ROE) | 14.8304% | 689 |
Retained earnings to average equity (ytd only) | 9.3381% | 746 |
Net charge-offs to loans | 0.0176% | 2,900 |
Credit loss provision to net charge-offs | 886.3636% | 422 |
Earnings coverage of net charge-offs (x) | 122.2727% | 568 |
Efficiency ratio | 65.3752% | 3,449 |
Assets per employee ($millions) | 3.4811% | 4,747 |
Cash dividends to net income (ytd only)* | 37.0341% | 2,467 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7928% | 901 |
Loan loss allowance to noncurrent loans | 256.8956% | 1,801 |
Noncurrent assets plus other real estate owned to assets | 0.8230% | 2,153 |
Noncurrent loans to loans | 0.6979% | 2,659 |
Net loans and leases to total assets | 74.6431% | 1,760 |
Net loans and leases to deposits | 83.4242% | 2,553 |
Net loans and leases to core deposits | 91.8210% | 2,352 |
Total domestic deposits to total assets | 89.4742% | 735 |
Equity capital to assets | 10.2797% | 3,591 |
Core capital (leverage) ratio | 10.1009% | 3,405 |
Tier 1 risk-based capital ratio | 13.8426% | 3,511 |
Total risk-based capital ratio | 15.1000% | 3,427 |
Memoranda: | ||
Average total assets | $334,239,670 | 2,006 |
Average earning assets | $302,162,330 | 2,041 |
Average equity | $33,647,000 | 2,158 |
Average total loans | $250,435,670 | 1,823 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7447% | 856 |
Cost of funding earning assets | 0.3125% | 3,920 |
Net interest margin | 4.4322% | 599 |
Noninterest income to average assets | 0.6303% | 2,267 |
Noninterest expense to average assets | 3.0422% | 2,042 |
Loan and lease loss provision to assets | 0.1083% | 1,761 |
Net operating income to assets | 1.4892% | 827 |
Return on assets (ROA) | 1.4892% | 857 |
Pretax return on assets | 1.4892% | 1,574 |
Return on Equity (ROE) | 14.9539% | 654 |
Retained earnings to average equity (ytd only) | 10.6055% | 674 |
Net charge-offs to loans | 0.0243% | 2,276 |
Credit loss provision to net charge-offs | 600.0000% | 507 |
Earnings coverage of net charge-offs (x) | 88.5333% | 603 |
Efficiency ratio | 65.5691% | 3,566 |
Assets per employee ($millions) | 3.5593% | 4,704 |
Cash dividends to net income (ytd only)* | 29.0792% | 2,336 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8068% | 948 |
Loan loss allowance to noncurrent loans | 205.8044% | 2,204 |
Noncurrent assets plus other real estate owned to assets | 0.9298% | 1,988 |
Noncurrent loans to loans | 0.8779% | 2,278 |
Net loans and leases to total assets | 72.3748% | 2,021 |
Net loans and leases to deposits | 80.5916% | 2,672 |
Net loans and leases to core deposits | 88.3175% | 2,518 |
Total domestic deposits to total assets | 89.8044% | 745 |
Equity capital to assets | 9.9690% | 3,789 |
Core capital (leverage) ratio | 9.8997% | 3,625 |
Tier 1 risk-based capital ratio | 13.8977% | 3,543 |
Total risk-based capital ratio | 15.1551% | 3,448 |
Memoranda: | ||
Average total assets | $332,527,500 | 2,029 |
Average earning assets | $300,798,500 | 2,065 |
Average equity | $33,115,000 | 2,190 |
Average total loans | $247,331,500 | 1,848 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7555% | 954 |
Cost of funding earning assets | 0.3070% | 3,989 |
Net interest margin | 4.4485% | 689 |
Noninterest income to average assets | 0.6586% | 2,377 |
Noninterest expense to average assets | 3.2360% | 1,712 |
Loan and lease loss provision to assets | 0.1109% | 2,215 |
Net operating income to assets | 1.3397% | 1,120 |
Return on assets (ROA) | 1.3397% | 1,177 |
Pretax return on assets | 1.3397% | 2,144 |
Return on Equity (ROE) | 13.2493% | 937 |
Retained earnings to average equity (ytd only) | 5.1693% | 2,222 |
Net charge-offs to loans | 0.0183% | 3,695 |
Credit loss provision to net charge-offs | 818.1818% | 451 |
Earnings coverage of net charge-offs (x) | 106.9773% | 563 |
Efficiency ratio | 69.0471% | 3,064 |
Assets per employee ($millions) | 3.3703% | 4,943 |
Cash dividends to net income (ytd only)* | 60.9846% | 1,739 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8037% | 940 |
Loan loss allowance to noncurrent loans | 175.8840% | 2,484 |
Noncurrent assets plus other real estate owned to assets | 1.0391% | 1,819 |
Noncurrent loans to loans | 1.0255% | 2,035 |
Net loans and leases to total assets | 73.7209% | 1,893 |
Net loans and leases to deposits | 82.0206% | 2,667 |
Net loans and leases to core deposits | 88.6182% | 2,619 |
Total domestic deposits to total assets | 89.8809% | 692 |
Equity capital to assets | 9.9478% | 3,772 |
Core capital (leverage) ratio | 9.9412% | 3,567 |
Tier 1 risk-based capital ratio | 13.7786% | 3,593 |
Total risk-based capital ratio | 15.0364% | 3,496 |
Memoranda: | ||
Average total assets | $324,472,600 | 2,034 |
Average earning assets | $293,810,200 | 2,078 |
Average equity | $32,809,400 | 2,188 |
Average total loans | $239,847,600 | 1,845 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7525% | 982 |
Cost of funding earning assets | 0.3086% | 4,000 |
Net interest margin | 4.4439% | 709 |
Noninterest income to average assets | 0.6566% | 2,381 |
Noninterest expense to average assets | 3.0181% | 2,268 |
Loan and lease loss provision to assets | 0.1112% | 2,073 |
Net operating income to assets | 1.5533% | 793 |
Return on assets (ROA) | 1.5533% | 834 |
Pretax return on assets | 1.5533% | 1,524 |
Return on Equity (ROE) | 15.2990% | 635 |
Retained earnings to average equity (ytd only) | 8.2314% | 1,075 |
Net charge-offs to loans | 0.0190% | 3,329 |
Credit loss provision to net charge-offs | 794.1176% | 510 |
Earnings coverage of net charge-offs (x) | 118.9175% | 579 |
Efficiency ratio | 64.4540% | 3,859 |
Assets per employee ($millions) | 3.4595% | 4,824 |
Cash dividends to net income (ytd only)* | 46.1966% | 2,066 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8060% | 1,005 |
Loan loss allowance to noncurrent loans | 184.3511% | 2,392 |
Noncurrent assets plus other real estate owned to assets | 0.7251% | 2,746 |
Noncurrent loans to loans | 0.9796% | 2,278 |
Net loans and leases to total assets | 72.6809% | 2,068 |
Net loans and leases to deposits | 81.5395% | 2,793 |
Net loans and leases to core deposits | 88.7126% | 2,687 |
Total domestic deposits to total assets | 89.1358% | 832 |
Equity capital to assets | 10.5416% | 3,518 |
Core capital (leverage) ratio | 10.1720% | 3,357 |
Tier 1 risk-based capital ratio | 14.1893% | 3,462 |
Total risk-based capital ratio | 15.4470% | 3,384 |
Memoranda: | ||
Average total assets | $323,861,250 | 2,047 |
Average earning assets | $293,396,000 | 2,089 |
Average equity | $32,881,500 | 2,201 |
Average total loans | $238,451,000 | 1,860 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7832% | 915 |
Cost of funding earning assets | 0.3087% | 4,030 |
Net interest margin | 4.4745% | 649 |
Noninterest income to average assets | 0.6679% | 2,290 |
Noninterest expense to average assets | 2.9566% | 2,496 |
Loan and lease loss provision to assets | 0.1113% | 2,015 |
Net operating income to assets | 1.6610% | 628 |
Return on assets (ROA) | 1.6610% | 667 |
Pretax return on assets | 1.6610% | 1,191 |
Return on Equity (ROE) | 16.5726% | 477 |
Retained earnings to average equity (ytd only) | 9.3414% | 761 |
Net charge-offs to loans | 0.0194% | 3,107 |
Credit loss provision to net charge-offs | 782.6087% | 462 |
Earnings coverage of net charge-offs (x) | 124.6087% | 475 |
Efficiency ratio | 62.5213% | 4,263 |
Assets per employee ($millions) | 3.6270% | 4,554 |
Cash dividends to net income (ytd only)* | 43.6337% | 2,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7554% | 1,172 |
Loan loss allowance to noncurrent loans | 227.6800% | 2,044 |
Noncurrent assets plus other real estate owned to assets | 0.5808% | 3,283 |
Noncurrent loans to loans | 0.7710% | 2,820 |
Net loans and leases to total assets | 74.0161% | 1,837 |
Net loans and leases to deposits | 83.2368% | 2,556 |
Net loans and leases to core deposits | 90.9076% | 2,445 |
Total domestic deposits to total assets | 88.9224% | 952 |
Equity capital to assets | 10.4181% | 3,721 |
Core capital (leverage) ratio | 9.9787% | 3,586 |
Tier 1 risk-based capital ratio | 13.7657% | 3,740 |
Total risk-based capital ratio | 15.0227% | 3,655 |
Memoranda: | ||
Average total assets | $323,416,000 | 2,054 |
Average earning assets | $293,530,330 | 2,096 |
Average equity | $32,415,000 | 2,224 |
Average total loans | $237,700,330 | 1,869 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7684% | 909 |
Cost of funding earning assets | 0.3079% | 4,082 |
Net interest margin | 4.4605% | 656 |
Noninterest income to average assets | 0.6549% | 2,239 |
Noninterest expense to average assets | 2.8506% | 2,886 |
Loan and lease loss provision to assets | 0.1112% | 1,874 |
Net operating income to assets | 1.7558% | 508 |
Return on assets (ROA) | 1.7558% | 545 |
Pretax return on assets | 1.7558% | 929 |
Return on Equity (ROE) | 17.8700% | 366 |
Retained earnings to average equity (ytd only) | 11.2049% | 616 |
Net charge-offs to loans | 0.0119% | 2,729 |
Credit loss provision to net charge-offs | 1,285.7143% | 313 |
Earnings coverage of net charge-offs (x) | 215.8571% | 284 |
Efficiency ratio | 60.4243% | 4,690 |
Assets per employee ($millions) | 3.8001% | 4,300 |
Cash dividends to net income (ytd only)* | 37.2977% | 2,171 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7880% | 1,176 |
Loan loss allowance to noncurrent loans | 320.3972% | 1,521 |
Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,971 |
Noncurrent loans to loans | 0.5581% | 3,515 |
Net loans and leases to total assets | 71.3203% | 2,142 |
Net loans and leases to deposits | 79.5466% | 2,860 |
Net loans and leases to core deposits | 86.5084% | 2,705 |
Total domestic deposits to total assets | 89.6585% | 755 |
Equity capital to assets | 10.0969% | 3,954 |
Core capital (leverage) ratio | 9.6365% | 3,983 |
Tier 1 risk-based capital ratio | 13.9636% | 3,720 |
Total risk-based capital ratio | 15.2211% | 3,639 |
Memoranda: | ||
Average total assets | $323,722,000 | 2,062 |
Average earning assets | $294,856,500 | 2,090 |
Average equity | $31,807,500 | 2,256 |
Average total loans | $234,952,500 | 1,881 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6456% | 1,224 |
Cost of funding earning assets | 0.3243% | 3,972 |
Net interest margin | 4.3213% | 928 |
Noninterest income to average assets | 0.6452% | 2,487 |
Noninterest expense to average assets | 2.7561% | 3,395 |
Loan and lease loss provision to assets | 0.0917% | 2,469 |
Net operating income to assets | 1.7526% | 525 |
Return on assets (ROA) | 1.7526% | 545 |
Pretax return on assets | 1.7526% | 885 |
Return on Equity (ROE) | 19.0965% | 300 |
Retained earnings to average equity (ytd only) | 7.6666% | 1,032 |
Net charge-offs to loans | 0.0711% | 2,826 |
Credit loss provision to net charge-offs | 184.0491% | 1,488 |
Earnings coverage of net charge-offs (x) | 37.0184% | 1,248 |
Efficiency ratio | 59.9096% | 4,917 |
Assets per employee ($millions) | 3.8623% | 4,189 |
Cash dividends to net income (ytd only)* | 59.8535% | 1,745 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7468% | 1,248 |
Loan loss allowance to noncurrent loans | 319.1770% | 1,559 |
Noncurrent assets plus other real estate owned to assets | 0.3970% | 4,008 |
Noncurrent loans to loans | 0.5473% | 3,524 |
Net loans and leases to total assets | 71.2713% | 2,160 |
Net loans and leases to deposits | 80.1818% | 2,801 |
Net loans and leases to core deposits | 86.3458% | 2,772 |
Total domestic deposits to total assets | 88.8871% | 1,182 |
Equity capital to assets | 9.5554% | 4,490 |
Core capital (leverage) ratio | 9.5207% | 4,145 |
Tier 1 risk-based capital ratio | 13.4496% | 4,031 |
Total risk-based capital ratio | 14.7061% | 3,967 |
Memoranda: | ||
Average total assets | $327,166,200 | 2,012 |
Average earning assets | $299,447,600 | 2,020 |
Average equity | $30,026,400 | 2,318 |
Average total loans | $229,384,000 | 1,862 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5929% | 1,347 |
Cost of funding earning assets | 0.3262% | 4,032 |
Net interest margin | 4.2667% | 1,027 |
Noninterest income to average assets | 0.6377% | 2,541 |
Noninterest expense to average assets | 2.7325% | 3,455 |
Loan and lease loss provision to assets | 0.0915% | 2,341 |
Net operating income to assets | 1.7231% | 597 |
Return on assets (ROA) | 1.7231% | 621 |
Pretax return on assets | 1.7231% | 1,048 |
Return on Equity (ROE) | 18.9680% | 335 |
Retained earnings to average equity (ytd only) | 9.2848% | 798 |
Net charge-offs to loans | 0.0281% | 3,382 |
Credit loss provision to net charge-offs | 468.7500% | 682 |
Earnings coverage of net charge-offs (x) | 92.9559% | 662 |
Efficiency ratio | 60.0930% | 4,876 |
Assets per employee ($millions) | 3.9633% | 3,948 |
Cash dividends to net income (ytd only)* | 51.0503% | 1,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8086% | 1,247 |
Loan loss allowance to noncurrent loans | 346.4942% | 1,416 |
Noncurrent assets plus other real estate owned to assets | 0.3686% | 4,290 |
Noncurrent loans to loans | 0.5220% | 3,784 |
Net loans and leases to total assets | 69.3448% | 2,483 |
Net loans and leases to deposits | 76.9354% | 3,203 |
Net loans and leases to core deposits | 82.3469% | 3,217 |
Total domestic deposits to total assets | 90.1338% | 521 |
Equity capital to assets | 9.5523% | 4,689 |
Core capital (leverage) ratio | 9.4568% | 4,357 |
Tier 1 risk-based capital ratio | 13.3680% | 4,209 |
Total risk-based capital ratio | 14.6250% | 4,131 |
Memoranda: | ||
Average total assets | $327,849,000 | 2,017 |
Average earning assets | $300,397,500 | 2,033 |
Average equity | $29,782,750 | 2,341 |
Average total loans | $227,895,000 | 1,887 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5575% | 1,387 |
Cost of funding earning assets | 0.3278% | 4,074 |
Net interest margin | 4.2297% | 1,048 |
Noninterest income to average assets | 0.6229% | 2,613 |
Noninterest expense to average assets | 2.7019% | 3,587 |
Loan and lease loss provision to assets | 0.0912% | 2,294 |
Net operating income to assets | 1.7147% | 614 |
Return on assets (ROA) | 1.7147% | 640 |
Pretax return on assets | 1.7147% | 1,054 |
Return on Equity (ROE) | 19.2015% | 314 |
Retained earnings to average equity (ytd only) | 8.4598% | 1,094 |
Net charge-offs to loans | 0.0343% | 2,981 |
Credit loss provision to net charge-offs | 384.6154% | 763 |
Earnings coverage of net charge-offs (x) | 76.1282% | 734 |
Efficiency ratio | 59.9379% | 4,991 |
Assets per employee ($millions) | 3.9295% | 4,021 |
Cash dividends to net income (ytd only)* | 55.9418% | 1,704 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7874% | 1,395 |
Loan loss allowance to noncurrent loans | 342.3303% | 1,441 |
Noncurrent assets plus other real estate owned to assets | 0.3702% | 4,418 |
Noncurrent loans to loans | 0.5221% | 3,892 |
Net loans and leases to total assets | 69.6423% | 2,373 |
Net loans and leases to deposits | 76.8076% | 3,179 |
Net loans and leases to core deposits | 82.2130% | 3,151 |
Total domestic deposits to total assets | 90.6711% | 393 |
Equity capital to assets | 9.1337% | 5,107 |
Core capital (leverage) ratio | 9.0131% | 4,953 |
Tier 1 risk-based capital ratio | 13.4401% | 4,253 |
Total risk-based capital ratio | 14.6975% | 4,180 |
Memoranda: | ||
Average total assets | $328,802,330 | 2,023 |
Average earning assets | $302,004,670 | 2,036 |
Average equity | $29,362,330 | 2,387 |
Average total loans | $227,355,330 | 1,901 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5885% | 1,251 |
Cost of funding earning assets | 0.3252% | 4,164 |
Net interest margin | 4.2633% | 956 |
Noninterest income to average assets | 0.5902% | 2,698 |
Noninterest expense to average assets | 2.6005% | 3,920 |
Loan and lease loss provision to assets | 0.0903% | 2,185 |
Net operating income to assets | 1.8151% | 472 |
Return on assets (ROA) | 1.8151% | 498 |
Pretax return on assets | 1.8151% | 846 |
Return on Equity (ROE) | 20.5534% | 246 |
Retained earnings to average equity (ytd only) | 8.1286% | 1,522 |
Net charge-offs to loans | 0.0529% | 2,248 |
Credit loss provision to net charge-offs | 250.0000% | 913 |
Earnings coverage of net charge-offs (x) | 52.7333% | 806 |
Efficiency ratio | 57.7118% | 5,370 |
Assets per employee ($millions) | 4.1638% | 3,628 |
Cash dividends to net income (ytd only)* | 60.4512% | 1,413 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7969% | 1,505 |
Loan loss allowance to noncurrent loans | 591.8999% | 861 |
Noncurrent assets plus other real estate owned to assets | 0.2191% | 5,071 |
Noncurrent loans to loans | 0.3036% | 4,700 |
Net loans and leases to total assets | 65.1256% | 2,918 |
Net loans and leases to deposits | 71.5845% | 3,578 |
Net loans and leases to core deposits | 76.8241% | 3,515 |
Total domestic deposits to total assets | 90.9772% | 376 |
Equity capital to assets | 8.8298% | 5,471 |
Core capital (leverage) ratio | 8.6505% | 5,378 |
Tier 1 risk-based capital ratio | 13.3635% | 4,386 |
Total risk-based capital ratio | 14.6205% | 4,305 |
Memoranda: | ||
Average total assets | $332,096,000 | 2,005 |
Average earning assets | $305,024,000 | 2,022 |
Average equity | $29,328,500 | 2,407 |
Average total loans | $226,792,000 | 1,897 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8219% | 1,068 |
Cost of funding earning assets | 0.3527% | 4,222 |
Net interest margin | 4.4692% | 794 |
Noninterest income to average assets | 0.6094% | 2,801 |
Noninterest expense to average assets | 2.7074% | 3,836 |
Loan and lease loss provision to assets | 0.0579% | 3,383 |
Net operating income to assets | 1.9364% | 366 |
Return on assets (ROA) | 1.9402% | 376 |
Pretax return on assets | 1.9402% | 578 |
Return on Equity (ROE) | 22.8221% | 156 |
Retained earnings to average equity (ytd only) | 9.9046% | 534 |
Net charge-offs to loans | -0.0074% | 5,513 |
Credit loss provision to net charge-offs | -1,125.0000% | 5,919 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.5843% | 5,507 |
Assets per employee ($millions) | 4.1383% | 3,652 |
Cash dividends to net income (ytd only)* | 56.6010% | 1,920 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7284% | 1,706 |
Loan loss allowance to noncurrent loans | 408.8477% | 1,250 |
Noncurrent assets plus other real estate owned to assets | 0.2973% | 4,844 |
Noncurrent loans to loans | 0.4228% | 4,371 |
Net loans and leases to total assets | 69.1119% | 2,379 |
Net loans and leases to deposits | 76.0143% | 3,198 |
Net loans and leases to core deposits | 81.6219% | 3,142 |
Total domestic deposits to total assets | 90.9196% | 398 |
Equity capital to assets | 8.8329% | 5,449 |
Core capital (leverage) ratio | 8.8329% | 5,208 |
Tier 1 risk-based capital ratio | 12.6436% | 4,948 |
Total risk-based capital ratio | 13.9000% | 4,858 |
Memoranda: | ||
Average total assets | $311,147,000 | 2,087 |
Average earning assets | $284,908,600 | 2,092 |
Average equity | $26,452,400 | 2,528 |
Average total loans | $216,901,000 | 1,921 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8406% | 1,032 |
Cost of funding earning assets | 0.3587% | 4,245 |
Net interest margin | 4.4819% | 770 |
Noninterest income to average assets | 0.5916% | 2,919 |
Noninterest expense to average assets | 2.7156% | 3,766 |
Loan and lease loss provision to assets | 0.0456% | 3,478 |
Net operating income to assets | 1.9305% | 398 |
Return on assets (ROA) | 1.9357% | 398 |
Pretax return on assets | 1.9357% | 653 |
Return on Equity (ROE) | 23.0073% | 154 |
Retained earnings to average equity (ytd only) | 12.8655% | 336 |
Net charge-offs to loans | -0.0162% | 5,554 |
Credit loss provision to net charge-offs | -403.8462% | 5,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.8816% | 5,465 |
Assets per employee ($millions) | 3.8721% | 4,142 |
Cash dividends to net income (ytd only)* | 44.0807% | 2,146 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6856% | 2,017 |
Loan loss allowance to noncurrent loans | 379.7862% | 1,251 |
Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,957 |
Noncurrent loans to loans | 0.4438% | 4,570 |
Net loans and leases to total assets | 72.6750% | 1,732 |
Net loans and leases to deposits | 80.0396% | 2,682 |
Net loans and leases to core deposits | 86.4562% | 2,618 |
Total domestic deposits to total assets | 90.7988% | 418 |
Equity capital to assets | 8.9328% | 5,428 |
Core capital (leverage) ratio | 9.1315% | 4,882 |
Tier 1 risk-based capital ratio | 12.6196% | 5,089 |
Total risk-based capital ratio | 13.8757% | 5,006 |
Memoranda: | ||
Average total assets | $307,202,500 | 2,128 |
Average earning assets | $281,034,250 | 2,133 |
Average equity | $25,846,250 | 2,595 |
Average total loans | $213,646,750 | 1,959 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7589% | 1,160 |
Cost of funding earning assets | 0.3689% | 4,227 |
Net interest margin | 4.3901% | 864 |
Noninterest income to average assets | 0.5684% | 2,998 |
Noninterest expense to average assets | 2.7615% | 3,654 |
Loan and lease loss provision to assets | 0.0393% | 3,520 |
Net operating income to assets | 1.7859% | 501 |
Return on assets (ROA) | 1.7439% | 567 |
Pretax return on assets | 1.7439% | 940 |
Return on Equity (ROE) | 21.1761% | 235 |
Retained earnings to average equity (ytd only) | 10.5084% | 614 |
Net charge-offs to loans | -0.0183% | 5,510 |
Credit loss provision to net charge-offs | -315.7895% | 5,478 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.2058% | 5,267 |
Assets per employee ($millions) | 4.0893% | 3,666 |
Cash dividends to net income (ytd only)* | 50.3759% | 1,915 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7690% | 1,926 |
Loan loss allowance to noncurrent loans | 264.7220% | 1,682 |
Noncurrent assets plus other real estate owned to assets | 0.4688% | 4,594 |
Noncurrent loans to loans | 0.6682% | 4,039 |
Net loans and leases to total assets | 68.9145% | 2,254 |
Net loans and leases to deposits | 75.7762% | 3,084 |
Net loans and leases to core deposits | 82.1561% | 2,959 |
Total domestic deposits to total assets | 90.9449% | 429 |
Equity capital to assets | 8.6748% | 5,639 |
Core capital (leverage) ratio | 8.7991% | 5,274 |
Tier 1 risk-based capital ratio | 12.6001% | 5,154 |
Total risk-based capital ratio | 13.8564% | 5,085 |
Memoranda: | ||
Average total assets | $305,055,670 | 2,139 |
Average earning assets | $279,222,330 | 2,145 |
Average equity | $25,122,670 | 2,648 |
Average total loans | $207,579,670 | 1,995 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6898% | 1,276 |
Cost of funding earning assets | 0.3751% | 4,254 |
Net interest margin | 4.3148% | 972 |
Noninterest income to average assets | 0.5334% | 3,165 |
Noninterest expense to average assets | 2.7678% | 3,687 |
Loan and lease loss provision to assets | 0.0397% | 3,283 |
Net operating income to assets | 1.6850% | 589 |
Return on assets (ROA) | 1.6850% | 606 |
Pretax return on assets | 1.6850% | 1,005 |
Return on Equity (ROE) | 21.0378% | 244 |
Retained earnings to average equity (ytd only) | 7.9326% | 1,618 |
Net charge-offs to loans | -0.0158% | 5,233 |
Credit loss provision to net charge-offs | -375.0000% | 5,109 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6087% | 5,187 |
Assets per employee ($millions) | 4.3083% | 3,323 |
Cash dividends to net income (ytd only)* | 62.2938% | 1,353 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8724% | 1,833 |
Loan loss allowance to noncurrent loans | 311.4286% | 1,437 |
Noncurrent assets plus other real estate owned to assets | 0.3949% | 4,958 |
Noncurrent loans to loans | 0.6012% | 4,353 |
Net loans and leases to total assets | 64.4533% | 2,819 |
Net loans and leases to deposits | 70.3134% | 3,559 |
Net loans and leases to core deposits | 76.4414% | 3,365 |
Total domestic deposits to total assets | 91.6657% | 340 |
Equity capital to assets | 8.0467% | 6,023 |
Core capital (leverage) ratio | 8.7428% | 5,333 |
Tier 1 risk-based capital ratio | 12.7696% | 5,146 |
Total risk-based capital ratio | 14.0268% | 5,078 |
Memoranda: | ||
Average total assets | $302,191,000 | 2,164 |
Average earning assets | $277,280,000 | 2,168 |
Average equity | $24,204,000 | 2,734 |
Average total loans | $202,353,000 | 2,030 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7935% | 1,330 |
Cost of funding earning assets | 0.4389% | 4,229 |
Net interest margin | 4.3546% | 988 |
Noninterest income to average assets | 0.5630% | 3,311 |
Noninterest expense to average assets | 2.5206% | 4,702 |
Loan and lease loss provision to assets | 0.0363% | 4,395 |
Net operating income to assets | 1.9873% | 347 |
Return on assets (ROA) | 1.9980% | 343 |
Pretax return on assets | 1.9980% | 483 |
Return on Equity (ROE) | 23.7514% | 156 |
Retained earnings to average equity (ytd only) | 9.5195% | 661 |
Net charge-offs to loans | -0.0318% | 6,240 |
Credit loss provision to net charge-offs | -175.0000% | 5,973 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.4685% | 6,000 |
Assets per employee ($millions) | 4.2026% | 3,439 |
Cash dividends to net income (ytd only)* | 59.9204% | 1,764 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8795% | 1,832 |
Loan loss allowance to noncurrent loans | 290.7621% | 1,535 |
Noncurrent assets plus other real estate owned to assets | 0.4518% | 4,886 |
Noncurrent loans to loans | 0.6464% | 4,360 |
Net loans and leases to total assets | 67.0265% | 2,515 |
Net loans and leases to deposits | 73.0599% | 3,390 |
Net loans and leases to core deposits | 80.0676% | 3,125 |
Total domestic deposits to total assets | 91.7418% | 346 |
Equity capital to assets | 7.9702% | 6,040 |
Core capital (leverage) ratio | 8.8036% | 5,270 |
Tier 1 risk-based capital ratio | 12.8219% | 5,106 |
Total risk-based capital ratio | 14.0794% | 5,044 |
Memoranda: | ||
Average total assets | $289,336,600 | 2,215 |
Average earning assets | $264,523,600 | 2,225 |
Average equity | $24,339,600 | 2,701 |
Average total loans | $188,433,000 | 2,116 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7598% | 1,451 |
Cost of funding earning assets | 0.4530% | 4,245 |
Net interest margin | 4.3068% | 1,080 |
Noninterest income to average assets | 0.5585% | 3,402 |
Noninterest expense to average assets | 2.5100% | 4,689 |
Loan and lease loss provision to assets | 0.0347% | 4,323 |
Net operating income to assets | 1.9468% | 404 |
Return on assets (ROA) | 1.9565% | 408 |
Pretax return on assets | 1.9565% | 640 |
Return on Equity (ROE) | 22.9502% | 170 |
Retained earnings to average equity (ytd only) | 11.8062% | 448 |
Net charge-offs to loans | -0.0353% | 6,204 |
Credit loss provision to net charge-offs | -153.0612% | 5,846 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.8830% | 5,914 |
Assets per employee ($millions) | 4.1238% | 3,593 |
Cash dividends to net income (ytd only)* | 48.5572% | 1,938 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9241% | 1,928 |
Loan loss allowance to noncurrent loans | 1,675.7848% | 307 |
Noncurrent assets plus other real estate owned to assets | 0.0889% | 6,177 |
Noncurrent loans to loans | 0.1148% | 5,987 |
Net loans and leases to total assets | 66.9442% | 2,471 |
Net loans and leases to deposits | 73.5443% | 3,306 |
Net loans and leases to core deposits | 80.3480% | 3,087 |
Total domestic deposits to total assets | 91.0256% | 521 |
Equity capital to assets | 8.5600% | 5,672 |
Core capital (leverage) ratio | 9.0458% | 5,057 |
Tier 1 risk-based capital ratio | 13.3212% | 4,891 |
Total risk-based capital ratio | 14.5798% | 4,823 |
Memoranda: | ||
Average total assets | $288,125,250 | 2,229 |
Average earning assets | $263,113,500 | 2,236 |
Average equity | $24,562,750 | 2,703 |
Average total loans | $185,302,000 | 2,152 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6356% | 1,738 |
Cost of funding earning assets | 0.4699% | 4,206 |
Net interest margin | 4.1657% | 1,361 |
Noninterest income to average assets | 0.5558% | 3,463 |
Noninterest expense to average assets | 2.4416% | 4,923 |
Loan and lease loss provision to assets | 0.0518% | 3,950 |
Net operating income to assets | 1.8561% | 464 |
Return on assets (ROA) | 1.8561% | 497 |
Pretax return on assets | 1.8561% | 812 |
Return on Equity (ROE) | 21.8015% | 213 |
Retained earnings to average equity (ytd only) | 9.6381% | 929 |
Net charge-offs to loans | -0.0428% | 6,213 |
Credit loss provision to net charge-offs | -192.3077% | 5,726 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.1348% | 5,952 |
Assets per employee ($millions) | 3.9781% | 3,855 |
Cash dividends to net income (ytd only)* | 55.7914% | 1,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9768% | 1,903 |
Loan loss allowance to noncurrent loans | 7,167.3077% | 104 |
Noncurrent assets plus other real estate owned to assets | 0.0286% | 6,447 |
Noncurrent loans to loans | 0.0276% | 6,328 |
Net loans and leases to total assets | 64.5226% | 2,836 |
Net loans and leases to deposits | 70.2934% | 3,681 |
Net loans and leases to core deposits | 76.6505% | 3,468 |
Total domestic deposits to total assets | 91.7905% | 298 |
Equity capital to assets | 8.0279% | 6,179 |
Core capital (leverage) ratio | 8.5187% | 5,650 |
Tier 1 risk-based capital ratio | 12.9609% | 5,168 |
Total risk-based capital ratio | 14.2195% | 5,101 |
Memoranda: | ||
Average total assets | $289,319,330 | 2,227 |
Average earning assets | $263,483,330 | 2,237 |
Average equity | $24,631,330 | 2,704 |
Average total loans | $182,328,670 | 2,175 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5144% | 2,115 |
Cost of funding earning assets | 0.5021% | 4,063 |
Net interest margin | 4.0123% | 1,740 |
Noninterest income to average assets | 0.5489% | 3,448 |
Noninterest expense to average assets | 2.4294% | 5,020 |
Loan and lease loss provision to assets | 0.1032% | 2,957 |
Net operating income to assets | 1.6549% | 642 |
Return on assets (ROA) | 1.6549% | 706 |
Pretax return on assets | 1.6549% | 1,180 |
Return on Equity (ROE) | 18.9077% | 363 |
Retained earnings to average equity (ytd only) | 3.4578% | 4,176 |
Net charge-offs to loans | -0.1294% | 6,550 |
Credit loss provision to net charge-offs | -129.3103% | 5,180 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.0158% | 5,848 |
Assets per employee ($millions) | 4.2454% | 3,443 |
Cash dividends to net income (ytd only)* | 81.7124% | 869 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0662% | 1,876 |
Loan loss allowance to noncurrent loans | 3,374.7748% | 173 |
Noncurrent assets plus other real estate owned to assets | 0.0374% | 6,494 |
Noncurrent loans to loans | 0.0612% | 6,294 |
Net loans and leases to total assets | 59.7476% | 3,476 |
Net loans and leases to deposits | 65.3972% | 4,135 |
Net loans and leases to core deposits | 71.5816% | 3,871 |
Total domestic deposits to total assets | 91.3610% | 392 |
Equity capital to assets | 8.5124% | 6,009 |
Core capital (leverage) ratio | 8.1305% | 6,016 |
Tier 1 risk-based capital ratio | 12.8022% | 5,369 |
Total risk-based capital ratio | 14.0614% | 5,310 |
Memoranda: | ||
Average total assets | $290,766,500 | 2,246 |
Average earning assets | $263,688,000 | 2,267 |
Average equity | $25,450,000 | 2,668 |
Average total loans | $179,225,000 | 2,221 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0277% | 1,483 |
Cost of funding earning assets | 0.6109% | 4,241 |
Net interest margin | 4.4168% | 1,128 |
Noninterest income to average assets | 0.6142% | 3,205 |
Noninterest expense to average assets | 2.5858% | 4,788 |
Loan and lease loss provision to assets | 0.2723% | 2,468 |
Net operating income to assets | 1.7375% | 570 |
Return on assets (ROA) | 1.7379% | 633 |
Pretax return on assets | 1.7379% | 1,049 |
Return on Equity (ROE) | 18.4741% | 404 |
Retained earnings to average equity (ytd only) | 6.8429% | 1,647 |
Net charge-offs to loans | 0.0724% | 4,960 |
Credit loss provision to net charge-offs | 595.0413% | 416 |
Earnings coverage of net charge-offs (x) | 43.9174% | 738 |
Efficiency ratio | 56.2670% | 6,031 |
Assets per employee ($millions) | 4.1817% | 3,589 |
Cash dividends to net income (ytd only)* | 62.9597% | 1,654 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0395% | 1,917 |
Loan loss allowance to noncurrent loans | 1,720.4762% | 307 |
Noncurrent assets plus other real estate owned to assets | 0.0739% | 6,423 |
Noncurrent loans to loans | 0.1185% | 6,180 |
Net loans and leases to total assets | 61.0274% | 3,416 |
Net loans and leases to deposits | 67.1986% | 4,104 |
Net loans and leases to core deposits | 73.8780% | 3,797 |
Total domestic deposits to total assets | 90.8164% | 557 |
Equity capital to assets | 9.0039% | 5,518 |
Core capital (leverage) ratio | 8.4063% | 5,750 |
Tier 1 risk-based capital ratio | 12.9425% | 5,149 |
Total risk-based capital ratio | 14.2017% | 5,082 |
Memoranda: | ||
Average total assets | $264,406,000 | 2,394 |
Average earning assets | $238,338,400 | 2,431 |
Average equity | $24,872,600 | 2,671 |
Average total loans | $167,014,000 | 2,340 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1162% | 1,395 |
Cost of funding earning assets | 0.6246% | 4,414 |
Net interest margin | 4.4916% | 1,008 |
Noninterest income to average assets | 0.6090% | 3,216 |
Noninterest expense to average assets | 2.5636% | 4,867 |
Loan and lease loss provision to assets | 0.2930% | 2,242 |
Net operating income to assets | 1.7922% | 575 |
Return on assets (ROA) | 1.7927% | 646 |
Pretax return on assets | 1.7927% | 1,066 |
Return on Equity (ROE) | 18.8358% | 410 |
Retained earnings to average equity (ytd only) | 8.3486% | 1,465 |
Net charge-offs to loans | 0.1167% | 4,213 |
Credit loss provision to net charge-offs | 395.8333% | 680 |
Earnings coverage of net charge-offs (x) | 28.1729% | 1,158 |
Efficiency ratio | 55.1465% | 6,142 |
Assets per employee ($millions) | 3.8180% | 4,260 |
Cash dividends to net income (ytd only)* | 55.6766% | 1,441 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0262% | 2,095 |
Loan loss allowance to noncurrent loans | 2,136.6460% | 244 |
Noncurrent assets plus other real estate owned to assets | 0.0741% | 6,553 |
Noncurrent loans to loans | 0.0948% | 6,379 |
Net loans and leases to total assets | 61.3592% | 3,502 |
Net loans and leases to deposits | 68.0016% | 4,179 |
Net loans and leases to core deposits | 74.9199% | 3,858 |
Total domestic deposits to total assets | 90.2320% | 709 |
Equity capital to assets | 9.5577% | 5,129 |
Core capital (leverage) ratio | 8.8137% | 5,325 |
Tier 1 risk-based capital ratio | 13.3528% | 4,985 |
Total risk-based capital ratio | 14.6116% | 4,940 |
Memoranda: | ||
Average total assets | $259,418,500 | 2,468 |
Average earning assets | $233,316,250 | 2,496 |
Average equity | $24,690,000 | 2,713 |
Average total loans | $164,480,500 | 2,395 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1839% | 1,299 |
Cost of funding earning assets | 0.6345% | 4,583 |
Net interest margin | 4.5494% | 907 |
Noninterest income to average assets | 0.6261% | 3,094 |
Noninterest expense to average assets | 2.5406% | 4,997 |
Loan and lease loss provision to assets | 0.3287% | 2,004 |
Net operating income to assets | 1.8424% | 523 |
Return on assets (ROA) | 1.8432% | 589 |
Pretax return on assets | 1.8432% | 954 |
Return on Equity (ROE) | 19.3958% | 391 |
Retained earnings to average equity (ytd only) | 7.2559% | 1,980 |
Net charge-offs to loans | 0.1831% | 3,493 |
Credit loss provision to net charge-offs | 281.8792% | 1,043 |
Earnings coverage of net charge-offs (x) | 18.6174% | 1,475 |
Efficiency ratio | 53.9203% | 6,322 |
Assets per employee ($millions) | 3.9077% | 4,059 |
Cash dividends to net income (ytd only)* | 62.5902% | 1,278 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9602% | 2,341 |
Loan loss allowance to noncurrent loans | 1,693.2990% | 278 |
Noncurrent assets plus other real estate owned to assets | 0.0741% | 6,626 |
Noncurrent loans to loans | 0.1158% | 6,371 |
Net loans and leases to total assets | 62.7558% | 3,277 |
Net loans and leases to deposits | 69.5340% | 3,964 |
Net loans and leases to core deposits | 75.8630% | 3,780 |
Total domestic deposits to total assets | 90.2519% | 793 |
Equity capital to assets | 9.5720% | 4,948 |
Core capital (leverage) ratio | 8.7728% | 5,265 |
Tier 1 risk-based capital ratio | 13.1630% | 5,068 |
Total risk-based capital ratio | 14.4211% | 5,037 |
Memoranda: | ||
Average total assets | $255,531,670 | 2,494 |
Average earning assets | $229,481,670 | 2,528 |
Average equity | $24,283,670 | 2,739 |
Average total loans | $162,716,670 | 2,432 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1738% | 1,371 |
Cost of funding earning assets | 0.6540% | 4,690 |
Net interest margin | 4.5198% | 975 |
Noninterest income to average assets | 0.6387% | 2,997 |
Noninterest expense to average assets | 2.5247% | 5,072 |
Loan and lease loss provision to assets | 0.3328% | 1,877 |
Net operating income to assets | 1.8448% | 546 |
Return on assets (ROA) | 1.8448% | 618 |
Pretax return on assets | 1.8448% | 986 |
Return on Equity (ROE) | 19.4852% | 409 |
Retained earnings to average equity (ytd only) | 2.7788% | 4,868 |
Net charge-offs to loans | -0.0025% | 5,732 |
Credit loss provision to net charge-offs | -21,000.0000% | 6,263 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.6906% | 6,380 |
Assets per employee ($millions) | 4.0392% | 3,923 |
Cash dividends to net income (ytd only)* | 85.7388% | 712 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9972% | 2,363 |
Loan loss allowance to noncurrent loans | 336.2878% | 986 |
Noncurrent assets plus other real estate owned to assets | 0.3710% | 5,952 |
Noncurrent loans to loans | 0.5939% | 5,472 |
Net loans and leases to total assets | 61.2171% | 3,407 |
Net loans and leases to deposits | 67.5302% | 4,145 |
Net loans and leases to core deposits | 73.3322% | 3,979 |
Total domestic deposits to total assets | 90.6515% | 712 |
Equity capital to assets | 9.2356% | 5,180 |
Core capital (leverage) ratio | 8.7034% | 5,290 |
Tier 1 risk-based capital ratio | 13.1373% | 5,103 |
Total risk-based capital ratio | 14.3955% | 5,071 |
Memoranda: | ||
Average total assets | $252,390,000 | 2,541 |
Average earning assets | $226,912,500 | 2,573 |
Average equity | $23,895,000 | 2,772 |
Average total loans | $160,280,500 | 2,479 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3921% | 1,437 |
Cost of funding earning assets | 0.7688% | 5,068 |
Net interest margin | 4.6233% | 877 |
Noninterest income to average assets | 0.6513% | 2,877 |
Noninterest expense to average assets | 2.5826% | 5,161 |
Loan and lease loss provision to assets | 0.2955% | 3,302 |
Net operating income to assets | 1.9883% | 315 |
Return on assets (ROA) | 1.9883% | 336 |
Pretax return on assets | 1.9883% | 544 |
Return on Equity (ROE) | 21.8694% | 187 |
Retained earnings to average equity (ytd only) | 8.8110% | 855 |
Net charge-offs to loans | 0.1124% | 5,251 |
Credit loss provision to net charge-offs | 421.0526% | 545 |
Earnings coverage of net charge-offs (x) | 32.5439% | 790 |
Efficiency ratio | 53.0697% | 6,606 |
Assets per employee ($millions) | 3.7888% | 4,347 |
Cash dividends to net income (ytd only)* | 59.7110% | 1,582 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8946% | 2,583 |
Loan loss allowance to noncurrent loans | 382.4873% | 870 |
Noncurrent assets plus other real estate owned to assets | 0.3403% | 6,125 |
Noncurrent loans to loans | 0.4953% | 5,719 |
Net loans and leases to total assets | 63.3734% | 3,317 |
Net loans and leases to deposits | 70.3029% | 4,047 |
Net loans and leases to core deposits | 75.8228% | 4,006 |
Total domestic deposits to total assets | 90.1433% | 917 |
Equity capital to assets | 9.7109% | 4,580 |
Core capital (leverage) ratio | 8.8037% | 5,095 |
Tier 1 risk-based capital ratio | 13.3842% | 4,783 |
Total risk-based capital ratio | 14.6416% | 4,749 |
Memoranda: | ||
Average total assets | $243,672,000 | 2,594 |
Average earning assets | $222,158,600 | 2,587 |
Average equity | $22,154,200 | 2,875 |
Average total loans | $152,141,800 | 2,613 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3639% | 1,635 |
Cost of funding earning assets | 0.7921% | 5,194 |
Net interest margin | 4.5718% | 1,002 |
Noninterest income to average assets | 0.6463% | 2,906 |
Noninterest expense to average assets | 2.5780% | 5,160 |
Loan and lease loss provision to assets | 0.2798% | 3,281 |
Net operating income to assets | 1.9778% | 354 |
Return on assets (ROA) | 1.9778% | 387 |
Pretax return on assets | 1.9778% | 652 |
Return on Equity (ROE) | 22.1357% | 212 |
Retained earnings to average equity (ytd only) | 10.9911% | 634 |
Net charge-offs to loans | 0.1019% | 4,973 |
Credit loss provision to net charge-offs | 443.4783% | 629 |
Earnings coverage of net charge-offs (x) | 35.7825% | 831 |
Efficiency ratio | 53.3129% | 6,565 |
Assets per employee ($millions) | 3.8536% | 4,185 |
Cash dividends to net income (ytd only)* | 50.3467% | 1,578 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8306% | 2,831 |
Loan loss allowance to noncurrent loans | 364.4586% | 878 |
Noncurrent assets plus other real estate owned to assets | 0.3334% | 6,235 |
Noncurrent loans to loans | 0.5023% | 5,839 |
Net loans and leases to total assets | 61.2524% | 3,892 |
Net loans and leases to deposits | 67.9643% | 4,615 |
Net loans and leases to core deposits | 72.5613% | 4,643 |
Total domestic deposits to total assets | 90.1244% | 800 |
Equity capital to assets | 9.6098% | 4,920 |
Core capital (leverage) ratio | 8.9041% | 5,090 |
Tier 1 risk-based capital ratio | 13.4151% | 4,796 |
Total risk-based capital ratio | 14.6712% | 4,765 |
Memoranda: | ||
Average total assets | $243,022,750 | 2,606 |
Average earning assets | $222,693,250 | 2,596 |
Average equity | $21,714,000 | 2,913 |
Average total loans | $150,406,500 | 2,650 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3639% | 1,676 |
Cost of funding earning assets | 0.8296% | 5,194 |
Net interest margin | 4.5343% | 1,047 |
Noninterest income to average assets | 0.6527% | 2,815 |
Noninterest expense to average assets | 2.6399% | 5,038 |
Loan and lease loss provision to assets | 0.2494% | 3,414 |
Net operating income to assets | 1.9398% | 377 |
Return on assets (ROA) | 1.9365% | 397 |
Pretax return on assets | 1.9365% | 658 |
Return on Equity (ROE) | 22.2569% | 226 |
Retained earnings to average equity (ytd only) | 9.6807% | 921 |
Net charge-offs to loans | 0.1536% | 4,260 |
Credit loss provision to net charge-offs | 263.1579% | 1,157 |
Earnings coverage of net charge-offs (x) | 23.0965% | 1,099 |
Efficiency ratio | 54.6660% | 6,549 |
Assets per employee ($millions) | 3.7454% | 4,328 |
Cash dividends to net income (ytd only)* | 56.5049% | 1,467 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7358% | 3,204 |
Loan loss allowance to noncurrent loans | 363.2877% | 882 |
Noncurrent assets plus other real estate owned to assets | 0.3204% | 6,329 |
Noncurrent loans to loans | 0.4778% | 5,951 |
Net loans and leases to total assets | 61.6664% | 3,956 |
Net loans and leases to deposits | 68.1718% | 4,680 |
Net loans and leases to core deposits | 72.8003% | 4,735 |
Total domestic deposits to total assets | 90.4573% | 732 |
Equity capital to assets | 9.3070% | 5,128 |
Core capital (leverage) ratio | 8.5903% | 5,417 |
Tier 1 risk-based capital ratio | 13.2342% | 4,740 |
Total risk-based capital ratio | 14.4896% | 4,716 |
Memoranda: | ||
Average total assets | $240,535,330 | 2,653 |
Average earning assets | $221,556,670 | 2,634 |
Average equity | $20,928,330 | 3,012 |
Average total loans | $148,445,670 | 2,707 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2920% | 1,890 |
Cost of funding earning assets | 0.8823% | 5,048 |
Net interest margin | 4.4097% | 1,255 |
Noninterest income to average assets | 0.6341% | 2,935 |
Noninterest expense to average assets | 2.6418% | 5,077 |
Loan and lease loss provision to assets | 0.2510% | 3,146 |
Net operating income to assets | 1.8136% | 480 |
Return on assets (ROA) | 1.8019% | 511 |
Pretax return on assets | 1.8019% | 815 |
Return on Equity (ROE) | 21.4718% | 269 |
Retained earnings to average equity (ytd only) | 4.7250% | 3,367 |
Net charge-offs to loans | 0.0547% | 4,387 |
Credit loss provision to net charge-offs | 750.0000% | 500 |
Earnings coverage of net charge-offs (x) | 61.7000% | 481 |
Efficiency ratio | 56.1322% | 6,489 |
Assets per employee ($millions) | 3.7922% | 4,316 |
Cash dividends to net income (ytd only)* | 77.9944% | 871 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7477% | 3,182 |
Loan loss allowance to noncurrent loans | 360.0555% | 867 |
Noncurrent assets plus other real estate owned to assets | 0.2925% | 6,465 |
Noncurrent loans to loans | 0.4854% | 6,043 |
Net loans and leases to total assets | 59.2061% | 4,427 |
Net loans and leases to deposits | 64.7945% | 5,153 |
Net loans and leases to core deposits | 69.1672% | 5,148 |
Total domestic deposits to total assets | 91.3751% | 455 |
Equity capital to assets | 8.2091% | 6,271 |
Core capital (leverage) ratio | 8.3171% | 5,782 |
Tier 1 risk-based capital ratio | 12.9625% | 4,854 |
Total risk-based capital ratio | 14.2174% | 4,837 |
Memoranda: | ||
Average total assets | $239,077,000 | 2,677 |
Average earning assets | $220,787,500 | 2,652 |
Average equity | $20,063,500 | 3,101 |
Average total loans | $146,278,500 | 2,768 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7544% | 1,390 |
Cost of funding earning assets | 1.1469% | 4,871 |
Net interest margin | 4.6075% | 996 |
Noninterest income to average assets | 0.6944% | 2,871 |
Noninterest expense to average assets | 2.7124% | 4,937 |
Loan and lease loss provision to assets | 0.2743% | 4,610 |
Net operating income to assets | 1.9215% | 323 |
Return on assets (ROA) | 1.9215% | 344 |
Pretax return on assets | 1.9229% | 582 |
Return on Equity (ROE) | 21.1480% | 197 |
Retained earnings to average equity (ytd only) | 11.6130% | 312 |
Net charge-offs to loans | 0.2777% | 4,636 |
Credit loss provision to net charge-offs | 151.5152% | 2,378 |
Earnings coverage of net charge-offs (x) | 12.1364% | 1,537 |
Efficiency ratio | 55.2472% | 6,686 |
Assets per employee ($millions) | 3.6771% | 4,514 |
Cash dividends to net income (ytd only)* | 45.0868% | 2,340 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7116% | 3,174 |
Loan loss allowance to noncurrent loans | 343.7936% | 902 |
Noncurrent assets plus other real estate owned to assets | 0.3095% | 6,472 |
Noncurrent loans to loans | 0.4978% | 6,045 |
Net loans and leases to total assets | 61.1053% | 4,468 |
Net loans and leases to deposits | 67.1292% | 5,228 |
Net loans and leases to core deposits | 71.2260% | 5,304 |
Total domestic deposits to total assets | 91.0265% | 591 |
Equity capital to assets | 8.5868% | 5,740 |
Core capital (leverage) ratio | 8.6886% | 5,039 |
Tier 1 risk-based capital ratio | 13.2815% | 4,388 |
Total risk-based capital ratio | 14.5361% | 4,342 |
Memoranda: | ||
Average total assets | $218,737,200 | 2,885 |
Average earning assets | $200,108,800 | 2,878 |
Average equity | $19,874,200 | 3,163 |
Average total loans | $142,619,400 | 2,891 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8627% | 1,224 |
Cost of funding earning assets | 1.1904% | 4,916 |
Net interest margin | 4.6723% | 904 |
Noninterest income to average assets | 0.6948% | 2,848 |
Noninterest expense to average assets | 2.7104% | 4,837 |
Loan and lease loss provision to assets | 0.2784% | 4,352 |
Net operating income to assets | 1.9705% | 352 |
Return on assets (ROA) | 1.9705% | 380 |
Pretax return on assets | 1.9724% | 656 |
Return on Equity (ROE) | 21.3720% | 231 |
Retained earnings to average equity (ytd only) | 11.9576% | 466 |
Net charge-offs to loans | 0.0928% | 5,600 |
Credit loss provision to net charge-offs | 454.5455% | 660 |
Earnings coverage of net charge-offs (x) | 36.7466% | 742 |
Efficiency ratio | 54.6327% | 6,726 |
Assets per employee ($millions) | 3.4729% | 5,050 |
Cash dividends to net income (ytd only)* | 44.0502% | 1,895 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7527% | 2,968 |
Loan loss allowance to noncurrent loans | 309.1124% | 950 |
Noncurrent assets plus other real estate owned to assets | 0.3986% | 6,421 |
Noncurrent loans to loans | 0.5670% | 6,070 |
Net loans and leases to total assets | 65.8723% | 3,721 |
Net loans and leases to deposits | 73.4721% | 4,596 |
Net loans and leases to core deposits | 77.3407% | 4,881 |
Total domestic deposits to total assets | 89.6562% | 1,046 |
Equity capital to assets | 9.4449% | 4,928 |
Core capital (leverage) ratio | 8.7977% | 5,016 |
Tier 1 risk-based capital ratio | 12.7001% | 4,813 |
Total risk-based capital ratio | 13.9557% | 4,789 |
Memoranda: | ||
Average total assets | $215,506,750 | 2,972 |
Average earning assets | $196,787,000 | 2,966 |
Average equity | $19,869,750 | 3,202 |
Average total loans | $142,269,000 | 2,935 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8839% | 1,224 |
Cost of funding earning assets | 1.2373% | 4,912 |
Net interest margin | 4.6466% | 901 |
Noninterest income to average assets | 0.6884% | 2,771 |
Noninterest expense to average assets | 2.7057% | 4,881 |
Loan and lease loss provision to assets | 0.2814% | 4,156 |
Net operating income to assets | 1.9310% | 372 |
Return on assets (ROA) | 1.9310% | 413 |
Pretax return on assets | 1.9348% | 693 |
Return on Equity (ROE) | 21.1230% | 250 |
Retained earnings to average equity (ytd only) | 11.7669% | 522 |
Net charge-offs to loans | 0.1443% | 4,785 |
Credit loss provision to net charge-offs | 297.0297% | 1,251 |
Earnings coverage of net charge-offs (x) | 23.3960% | 1,106 |
Efficiency ratio | 54.9733% | 6,767 |
Assets per employee ($millions) | 3.4390% | 5,075 |
Cash dividends to net income (ytd only)* | 44.2933% | 1,896 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6869% | 3,132 |
Loan loss allowance to noncurrent loans | 781.2698% | 434 |
Noncurrent assets plus other real estate owned to assets | 0.1477% | 7,021 |
Noncurrent loans to loans | 0.2159% | 6,816 |
Net loans and leases to total assets | 67.2698% | 3,559 |
Net loans and leases to deposits | 75.5303% | 4,420 |
Net loans and leases to core deposits | 80.1314% | 4,678 |
Total domestic deposits to total assets | 89.0634% | 1,397 |
Equity capital to assets | 9.6647% | 4,444 |
Core capital (leverage) ratio | 8.8126% | 4,893 |
Tier 1 risk-based capital ratio | 12.5390% | 4,825 |
Total risk-based capital ratio | 13.7938% | 4,796 |
Memoranda: | ||
Average total assets | $213,253,000 | 3,019 |
Average earning assets | $194,292,000 | 3,015 |
Average equity | $19,495,330 | 3,242 |
Average total loans | $140,017,000 | 3,012 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7682% | 1,563 |
Cost of funding earning assets | 1.2575% | 5,076 |
Net interest margin | 4.5106% | 1,117 |
Noninterest income to average assets | 0.6527% | 2,916 |
Noninterest expense to average assets | 2.6764% | 5,019 |
Loan and lease loss provision to assets | 0.2813% | 3,780 |
Net operating income to assets | 1.7912% | 508 |
Return on assets (ROA) | 1.7912% | 555 |
Pretax return on assets | 1.7987% | 877 |
Return on Equity (ROE) | 20.1695% | 374 |
Retained earnings to average equity (ytd only) | 10.9612% | 929 |
Net charge-offs to loans | 0.2568% | 3,397 |
Credit loss provision to net charge-offs | 170.4545% | 2,134 |
Earnings coverage of net charge-offs (x) | 12.6023% | 1,554 |
Efficiency ratio | 56.2697% | 6,733 |
Assets per employee ($millions) | 3.4169% | 5,238 |
Cash dividends to net income (ytd only)* | 45.6545% | 1,593 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6816% | 3,131 |
Loan loss allowance to noncurrent loans | 582.4561% | 555 |
Noncurrent assets plus other real estate owned to assets | 0.1854% | 7,010 |
Noncurrent loans to loans | 0.2887% | 6,750 |
Net loans and leases to total assets | 63.1216% | 4,508 |
Net loans and leases to deposits | 70.1389% | 5,325 |
Net loans and leases to core deposits | 73.7061% | 5,522 |
Total domestic deposits to total assets | 89.9951% | 988 |
Equity capital to assets | 9.0415% | 5,217 |
Core capital (leverage) ratio | 8.6495% | 5,114 |
Tier 1 risk-based capital ratio | 12.5017% | 4,751 |
Total risk-based capital ratio | 13.7561% | 4,694 |
Memoranda: | ||
Average total assets | $213,270,000 | 3,067 |
Average earning assets | $194,030,000 | 3,075 |
Average equity | $18,939,500 | 3,330 |
Average total loans | $137,079,000 | 3,128 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9380% | 2,093 |
Cost of funding earning assets | 1.6841% | 4,594 |
Net interest margin | 4.2538% | 1,878 |
Noninterest income to average assets | 0.8061% | 2,378 |
Noninterest expense to average assets | 2.8996% | 4,531 |
Loan and lease loss provision to assets | 0.3004% | 5,029 |
Net operating income to assets | 1.0460% | 1,682 |
Return on assets (ROA) | 1.0460% | 1,725 |
Pretax return on assets | 1.4761% | 1,247 |
Return on Equity (ROE) | 13.1293% | 934 |
Retained earnings to average equity (ytd only) | 13.1293% | 148 |
Net charge-offs to loans | 0.0500% | 6,601 |
Credit loss provision to net charge-offs | 923.0769% | 319 |
Earnings coverage of net charge-offs (x) | 54.5846% | 483 |
Efficiency ratio | 62.0088% | 6,156 |
Assets per employee ($millions) | 3.3536% | 5,363 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6630% | 3,033 |
Loan loss allowance to noncurrent loans | 816.2455% | 423 |
Noncurrent assets plus other real estate owned to assets | 0.4733% | 6,271 |
Noncurrent loans to loans | 0.2037% | 6,914 |
Net loans and leases to total assets | 63.2798% | 4,757 |
Net loans and leases to deposits | 70.7695% | 5,498 |
Net loans and leases to core deposits | 97.5840% | 4,270 |
Total domestic deposits to total assets | 89.4167% | 1,259 |
Equity capital to assets | 8.7166% | 5,563 |
Core capital (leverage) ratio | 8.3942% | 5,452 |
Tier 1 risk-based capital ratio | 12.1707% | 4,799 |
Total risk-based capital ratio | 13.4242% | 4,761 |
Memoranda: | ||
Average total assets | $199,717,600 | 3,184 |
Average earning assets | $181,695,600 | 3,198 |
Average equity | $15,911,000 | 3,881 |
Average total loans | $130,083,400 | 3,269 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9628% | 2,182 |
Cost of funding earning assets | 1.7710% | 4,520 |
Net interest margin | 4.1918% | 2,092 |
Noninterest income to average assets | 0.8163% | 2,353 |
Noninterest expense to average assets | 2.9155% | 4,383 |
Loan and lease loss provision to assets | 0.3048% | 4,535 |
Net operating income to assets | 1.0120% | 2,013 |
Return on assets (ROA) | 1.0120% | 2,077 |
Pretax return on assets | 1.4103% | 1,668 |
Return on Equity (ROE) | 13.0323% | 1,110 |
Retained earnings to average equity (ytd only) | 13.0323% | 259 |
Net charge-offs to loans | 0.0643% | 6,052 |
Credit loss provision to net charge-offs | 725.8065% | 518 |
Earnings coverage of net charge-offs (x) | 40.8410% | 736 |
Efficiency ratio | 62.9608% | 5,934 |
Assets per employee ($millions) | 3.4467% | 5,058 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5795% | 3,076 |
Loan loss allowance to noncurrent loans | 5,156.0976% | 79 |
Noncurrent assets plus other real estate owned to assets | 0.3848% | 6,498 |
Noncurrent loans to loans | 0.0306% | 7,440 |
Net loans and leases to total assets | 62.6505% | 5,127 |
Net loans and leases to deposits | 70.1152% | 5,902 |
Net loans and leases to core deposits | 99.4196% | 4,438 |
Total domestic deposits to total assets | 89.3536% | 1,037 |
Equity capital to assets | 8.5256% | 6,221 |
Core capital (leverage) ratio | 8.2994% | 5,835 |
Tier 1 risk-based capital ratio | 12.0075% | 4,970 |
Total risk-based capital ratio | 13.2605% | 4,904 |
Memoranda: | ||
Average total assets | $196,828,000 | 3,234 |
Average earning assets | $179,107,000 | 3,247 |
Average equity | $15,284,750 | 4,050 |
Average total loans | $128,615,250 | 3,328 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0415% | 2,011 |
Cost of funding earning assets | 1.8717% | 4,412 |
Net interest margin | 4.1698% | 2,096 |
Noninterest income to average assets | 0.8245% | 2,293 |
Noninterest expense to average assets | 2.9945% | 4,104 |
Loan and lease loss provision to assets | 0.3119% | 4,076 |
Net operating income to assets | 0.9649% | 2,224 |
Return on assets (ROA) | 0.9649% | 2,329 |
Pretax return on assets | 1.3101% | 1,994 |
Return on Equity (ROE) | 12.8847% | 1,204 |
Retained earnings to average equity (ytd only) | 12.8847% | 343 |
Net charge-offs to loans | 0.0520% | 5,764 |
Credit loss provision to net charge-offs | 909.0909% | 530 |
Earnings coverage of net charge-offs (x) | 47.2727% | 717 |
Efficiency ratio | 64.8649% | 5,748 |
Assets per employee ($millions) | 3.1716% | 5,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5289% | 3,040 |
Loan loss allowance to noncurrent loans | 761.0687% | 449 |
Noncurrent assets plus other real estate owned to assets | 0.4345% | 6,367 |
Noncurrent loans to loans | 0.2009% | 7,014 |
Net loans and leases to total assets | 63.2688% | 5,128 |
Net loans and leases to deposits | 70.4069% | 5,936 |
Net loans and leases to core deposits | 98.6754% | 4,629 |
Total domestic deposits to total assets | 89.8617% | 885 |
Equity capital to assets | 8.2273% | 6,450 |
Core capital (leverage) ratio | 8.2434% | 5,898 |
Tier 1 risk-based capital ratio | 11.9981% | 4,918 |
Total risk-based capital ratio | 13.2132% | 4,869 |
Memoranda: | ||
Average total assets | $192,354,330 | 3,317 |
Average earning assets | $174,923,000 | 3,330 |
Average equity | $14,404,670 | 4,214 |
Average total loans | $126,875,000 | 3,405 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1237% | 1,854 |
Cost of funding earning assets | 2.0122% | 4,071 |
Net interest margin | 4.1114% | 2,235 |
Noninterest income to average assets | 0.7998% | 2,325 |
Noninterest expense to average assets | 2.7866% | 4,609 |
Loan and lease loss provision to assets | 0.3208% | 3,409 |
Net operating income to assets | 0.9688% | 2,448 |
Return on assets (ROA) | 0.9688% | 2,574 |
Pretax return on assets | 1.4328% | 1,871 |
Return on Equity (ROE) | 13.6683% | 1,234 |
Retained earnings to average equity (ytd only) | 13.6683% | 545 |
Net charge-offs to loans | 0.1471% | 3,791 |
Credit loss provision to net charge-offs | 326.0870% | 1,519 |
Earnings coverage of net charge-offs (x) | 17.8261% | 1,492 |
Efficiency ratio | 61.3754% | 6,180 |
Assets per employee ($millions) | 3.2282% | 5,524 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4408% | 3,287 |
Loan loss allowance to noncurrent loans | 241.1067% | 1,395 |
Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,257 |
Noncurrent loans to loans | 0.5976% | 5,900 |
Net loans and leases to total assets | 64.6303% | 4,879 |
Net loans and leases to deposits | 70.9649% | 5,873 |
Net loans and leases to core deposits | 96.2577% | 4,937 |
Total domestic deposits to total assets | 91.0735% | 392 |
Equity capital to assets | 7.0033% | 7,680 |
Core capital (leverage) ratio | 6.9192% | 7,683 |
Tier 1 risk-based capital ratio | 9.8627% | 7,070 |
Total risk-based capital ratio | 11.1141% | 6,969 |
Memoranda: | ||
Average total assets | $187,040,000 | 3,397 |
Average earning assets | $170,159,500 | 3,423 |
Average equity | $13,257,000 | 4,520 |
Average total loans | $125,103,000 | 3,456 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8043% | 1,661 |
Cost of funding earning assets | 2.4808% | 4,312 |
Net interest margin | 4.3236% | 1,906 |
Noninterest income to average assets | 0.8144% | 2,432 |
Noninterest expense to average assets | 3.0110% | 4,047 |
Loan and lease loss provision to assets | 0.2236% | 4,654 |
Net operating income to assets | 1.0494% | 2,351 |
Return on assets (ROA) | 1.0498% | 2,245 |
Pretax return on assets | 1.5170% | 1,630 |
Return on Equity (ROE) | 14.3573% | 1,039 |
Retained earnings to average equity (ytd only) | 14.3573% | 111 |
Net charge-offs to loans | 0.0285% | 6,423 |
Credit loss provision to net charge-offs | 1,161.2903% | 390 |
Earnings coverage of net charge-offs (x) | 90.3548% | 468 |
Efficiency ratio | 63.3760% | 5,695 |
Assets per employee ($millions) | 3.0064% | 6,047 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4011% | 3,192 |
Loan loss allowance to noncurrent loans | 212.8237% | 1,839 |
Noncurrent assets plus other real estate owned to assets | 0.4862% | 5,751 |
Noncurrent loans to loans | 0.6583% | 5,387 |
Net loans and leases to total assets | 67.3362% | 4,581 |
Net loans and leases to deposits | 75.1886% | 5,704 |
Net loans and leases to core deposits | 102.2312% | 4,585 |
Total domestic deposits to total assets | 89.5563% | 827 |
Equity capital to assets | 7.1785% | 7,638 |
Core capital (leverage) ratio | 7.2577% | 7,463 |
Tier 1 risk-based capital ratio | 9.8549% | 6,896 |
Total risk-based capital ratio | 11.1058% | 6,777 |
Memoranda: | ||
Average total assets | $160,976,400 | 3,705 |
Average earning assets | $146,568,400 | 3,715 |
Average equity | $11,771,000 | 4,900 |
Average total loans | $108,669,800 | 3,712 |