Home > Cottonwood Valley Bank > Performance and Condition Ratios
Cottonwood Valley Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8514% | 4,543 |
Cost of funding earning assets | 0.6033% | 4,069 |
Net interest margin | 2.2480% | 4,288 |
Noninterest income to average assets | 0.5900% | 1,571 |
Noninterest expense to average assets | 2.4917% | 2,321 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.1407% | 4,220 |
Return on assets (ROA) | 0.1407% | 4,245 |
Pretax return on assets | 0.1432% | 4,244 |
Return on Equity (ROE) | 2.0800% | 4,145 |
Retained earnings to average equity (ytd only) | 2.0807% | 3,562 |
Net charge-offs to loans | -0.4783% | 4,596 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 94.5663% | 289 |
Assets per employee ($millions) | 8.4838% | 1,192 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.5174% | 37 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 9.7300% | 4,450 |
Net loans and leases to deposits | 10.7783% | 4,454 |
Net loans and leases to core deposits | 11.1973% | 4,473 |
Total domestic deposits to total assets | 90.2700% | 688 |
Equity capital to assets | 7.7819% | 3,555 |
Core capital (leverage) ratio | 13.6204% | 880 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $39,812,200 | 4,393 |
Average earning assets | $36,298,200 | 4,371 |
Average equity | $2,691,400 | 4,445 |
Average total loans | $4,808,600 | 4,461 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8350% | 4,554 |
Cost of funding earning assets | 0.5789% | 4,008 |
Net interest margin | 2.2560% | 4,322 |
Noninterest income to average assets | 0.3300% | 2,912 |
Noninterest expense to average assets | 1.8999% | 3,801 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.4937% | 3,779 |
Return on assets (ROA) | 0.4937% | 3,780 |
Pretax return on assets | 0.4869% | 3,925 |
Return on Equity (ROE) | 7.6100% | 3,286 |
Retained earnings to average equity (ytd only) | 7.6144% | 2,099 |
Net charge-offs to loans | -0.4879% | 4,618 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 79.6006% | 884 |
Assets per employee ($millions) | 7.7768% | 1,464 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2791% | 39 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 11.2600% | 4,471 |
Net loans and leases to deposits | 12.0533% | 4,476 |
Net loans and leases to core deposits | 12.5459% | 4,460 |
Total domestic deposits to total assets | 93.4100% | 252 |
Equity capital to assets | 4.6266% | 4,316 |
Core capital (leverage) ratio | 13.6542% | 887 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $39,158,500 | 4,415 |
Average earning assets | $35,696,000 | 4,397 |
Average equity | $2,539,000 | 4,479 |
Average total loans | $4,918,750 | 4,486 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7629% | 4,589 |
Cost of funding earning assets | 0.5515% | 3,880 |
Net interest margin | 2.2114% | 4,413 |
Noninterest income to average assets | 0.3200% | 2,963 |
Noninterest expense to average assets | 1.8140% | 3,969 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.5452% | 3,711 |
Return on assets (ROA) | 0.5452% | 3,718 |
Pretax return on assets | 0.5248% | 3,921 |
Return on Equity (ROE) | 7.6800% | 3,322 |
Retained earnings to average equity (ytd only) | 7.6822% | 2,071 |
Net charge-offs to loans | -0.5580% | 4,638 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 77.5599% | 1,033 |
Assets per employee ($millions) | 7.8048% | 1,412 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.9241% | 49 |
Loan loss allowance to noncurrent loans | 1,263.1579% | 807 |
Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,294 |
Noncurrent loans to loans | 0.3898% | 1,756 |
Net loans and leases to total assets | 11.8700% | 4,501 |
Net loans and leases to deposits | 13.0819% | 4,504 |
Net loans and leases to core deposits | 13.6274% | 4,493 |
Total domestic deposits to total assets | 90.7700% | 711 |
Equity capital to assets | 7.2417% | 3,668 |
Core capital (leverage) ratio | 13.6643% | 842 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $39,250,000 | 4,436 |
Average earning assets | $35,904,333 | 4,419 |
Average equity | $2,785,667 | 4,490 |
Average total loans | $5,017,667 | 4,518 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6326% | 4,629 |
Cost of funding earning assets | 0.4978% | 3,692 |
Net interest margin | 2.1349% | 4,519 |
Noninterest income to average assets | 0.2900% | 3,144 |
Noninterest expense to average assets | 2.1340% | 3,291 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.1524% | 4,400 |
Return on assets (ROA) | 0.1524% | 4,376 |
Pretax return on assets | 0.1219% | 4,395 |
Return on Equity (ROE) | 2.1700% | 4,280 |
Retained earnings to average equity (ytd only) | 2.1696% | 3,669 |
Net charge-offs to loans | -0.7073% | 4,670 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 94.5946% | 246 |
Assets per employee ($millions) | 7.9826% | 1,352 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.2095% | 41 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 10.7100% | 4,572 |
Net loans and leases to deposits | 11.8419% | 4,576 |
Net loans and leases to core deposits | 12.3221% | 4,564 |
Total domestic deposits to total assets | 90.4700% | 987 |
Equity capital to assets | 7.5539% | 3,534 |
Core capital (leverage) ratio | 13.2405% | 900 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $39,363,000 | 4,502 |
Average earning assets | $36,161,500 | 4,486 |
Average equity | $2,765,500 | 4,556 |
Average total loans | $5,089,500 | 4,587 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4192% | 4,530 |
Cost of funding earning assets | 0.2584% | 3,255 |
Net interest margin | 2.1608% | 4,493 |
Noninterest income to average assets | 0.3100% | 3,270 |
Noninterest expense to average assets | 2.2186% | 2,977 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.0691% | 4,531 |
Return on assets (ROA) | 0.0867% | 4,504 |
Pretax return on assets | 0.1238% | 4,494 |
Return on Equity (ROE) | 1.1000% | 4,478 |
Retained earnings to average equity (ytd only) | 1.1010% | 4,176 |
Net charge-offs to loans | 0.7246% | 98 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.9535% | 2,549 |
Efficiency ratio | 95.6243% | 201 |
Assets per employee ($millions) | 7.7626% | 1,456 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9873% | 63 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 14.0200% | 4,591 |
Net loans and leases to deposits | 15.3067% | 4,592 |
Net loans and leases to core deposits | 15.9337% | 4,580 |
Total domestic deposits to total assets | 91.6000% | 754 |
Equity capital to assets | 6.4824% | 3,903 |
Core capital (leverage) ratio | 13.2588% | 874 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $40,386,600 | 4,526 |
Average earning assets | $37,532,600 | 4,504 |
Average equity | $3,179,000 | 4,596 |
Average total loans | $5,934,600 | 4,612 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2923% | 4,540 |
Cost of funding earning assets | 0.2077% | 3,179 |
Net interest margin | 2.0845% | 4,525 |
Noninterest income to average assets | 0.3200% | 3,246 |
Noninterest expense to average assets | 1.7786% | 4,019 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.4310% | 4,190 |
Return on assets (ROA) | 0.4577% | 4,099 |
Pretax return on assets | 0.5035% | 4,144 |
Return on Equity (ROE) | 5.5800% | 3,871 |
Retained earnings to average equity (ytd only) | 5.5807% | 2,899 |
Net charge-offs to loans | 1.0442% | 47 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 3.0851% | 2,219 |
Efficiency ratio | 78.9550% | 841 |
Assets per employee ($millions) | 7.8590% | 1,397 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0555% | 68 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 13.3700% | 4,632 |
Net loans and leases to deposits | 14.2714% | 4,641 |
Net loans and leases to core deposits | 14.8341% | 4,626 |
Total domestic deposits to total assets | 93.6500% | 422 |
Equity capital to assets | 4.5578% | 4,386 |
Core capital (leverage) ratio | 12.9610% | 919 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $40,780,000 | 4,554 |
Average earning assets | $37,865,500 | 4,532 |
Average equity | $3,344,750 | 4,629 |
Average total loans | $6,001,250 | 4,647 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2272% | 4,553 |
Cost of funding earning assets | 0.1865% | 3,094 |
Net interest margin | 2.0407% | 4,539 |
Noninterest income to average assets | 0.3537% | 3,037 |
Noninterest expense to average assets | 1.8122% | 3,924 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.3937% | 4,120 |
Return on assets (ROA) | 0.4022% | 4,054 |
Pretax return on assets | 0.4603% | 4,059 |
Return on Equity (ROE) | 4.2975% | 3,963 |
Retained earnings to average equity (ytd only) | 4.2975% | 2,974 |
Net charge-offs to loans | 3.3350% | 13 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 0.9029% | 2,087 |
Efficiency ratio | 80.0857% | 940 |
Assets per employee ($millions) | 8.1386% | 1,235 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8410% | 167 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 13.9508% | 4,690 |
Net loans and leases to deposits | 15.2632% | 4,696 |
Net loans and leases to core deposits | 15.8558% | 4,690 |
Total domestic deposits to total assets | 91.4015% | 1,066 |
Equity capital to assets | 6.7997% | 3,875 |
Core capital (leverage) ratio | 12.4716% | 981 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $41,275,000 | 4,597 |
Average earning assets | $38,613,667 | 4,583 |
Average equity | $3,862,667 | 4,625 |
Average total loans | $6,177,000 | 4,710 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0412% | 4,608 |
Cost of funding earning assets | 0.1539% | 3,446 |
Net interest margin | 1.8873% | 4,587 |
Noninterest income to average assets | 0.3272% | 3,143 |
Noninterest expense to average assets | 1.6456% | 4,218 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.4427% | 3,868 |
Return on assets (ROA) | 0.4427% | 3,832 |
Pretax return on assets | 0.4523% | 3,948 |
Return on Equity (ROE) | 4.1719% | 3,832 |
Retained earnings to average equity (ytd only) | 4.1719% | 2,875 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.4404% | 1,276 |
Assets per employee ($millions) | 8.5420% | 1,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.5592% | 51 |
Loan loss allowance to noncurrent loans | 103.8314% | 3,353 |
Noncurrent assets plus other real estate owned to assets | 0.6111% | 977 |
Noncurrent loans to loans | 4.3910% | 81 |
Net loans and leases to total assets | 13.2826% | 4,723 |
Net loans and leases to deposits | 14.8287% | 4,725 |
Net loans and leases to core deposits | 15.5161% | 4,717 |
Total domestic deposits to total assets | 89.5739% | 1,781 |
Equity capital to assets | 8.5975% | 3,085 |
Core capital (leverage) ratio | 12.3374% | 963 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $41,566,000 | 4,620 |
Average earning assets | $38,996,500 | 4,602 |
Average equity | $4,410,500 | 4,621 |
Average total loans | $6,344,000 | 4,734 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1518% | 4,635 |
Cost of funding earning assets | 0.2104% | 3,360 |
Net interest margin | 1.9413% | 4,627 |
Noninterest income to average assets | 0.4890% | 2,628 |
Noninterest expense to average assets | 2.3157% | 2,750 |
Loan and lease loss provision to assets | -0.3351% | 4,786 |
Net operating income to assets | 0.3773% | 4,310 |
Return on assets (ROA) | 0.9233% | 3,026 |
Pretax return on assets | 0.8861% | 3,541 |
Return on Equity (ROE) | 7.1555% | 3,474 |
Retained earnings to average equity (ytd only) | 7.1555% | 1,859 |
Net charge-offs to loans | -0.0565% | 4,379 |
Credit loss provision to net charge-offs | 2,250.0000% | 285 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.7861% | 149 |
Assets per employee ($millions) | 8.0844% | 1,289 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9887% | 67 |
Loan loss allowance to noncurrent loans | 103.0651% | 3,370 |
Noncurrent assets plus other real estate owned to assets | 0.6457% | 1,012 |
Noncurrent loans to loans | 3.8701% | 110 |
Net loans and leases to total assets | 16.0185% | 4,753 |
Net loans and leases to deposits | 18.8014% | 4,752 |
Net loans and leases to core deposits | 19.7740% | 4,742 |
Total domestic deposits to total assets | 85.1987% | 3,210 |
Equity capital to assets | 12.7381% | 981 |
Core capital (leverage) ratio | 12.6260% | 892 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $40,289,600 | 4,660 |
Average earning assets | $38,015,000 | 4,637 |
Average equity | $5,198,800 | 4,612 |
Average total loans | $10,610,400 | 4,720 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2604% | 4,689 |
Cost of funding earning assets | 0.2317% | 3,312 |
Net interest margin | 2.0287% | 4,666 |
Noninterest income to average assets | 0.5299% | 2,498 |
Noninterest expense to average assets | 1.7156% | 4,306 |
Loan and lease loss provision to assets | -0.6955% | 4,899 |
Net operating income to assets | 1.4080% | 1,514 |
Return on assets (ROA) | 2.1064% | 408 |
Pretax return on assets | 2.1296% | 642 |
Return on Equity (ROE) | 16.2721% | 893 |
Retained earnings to average equity (ytd only) | 16.2721% | 279 |
Net charge-offs to loans | -0.0461% | 4,316 |
Credit loss provision to net charge-offs | 5,250.0000% | 151 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1897% | 1,580 |
Assets per employee ($millions) | 8.2336% | 1,162 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8010% | 926 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 25.4299% | 4,720 |
Net loans and leases to deposits | 30.0333% | 4,700 |
Net loans and leases to core deposits | 31.5674% | 4,694 |
Total domestic deposits to total assets | 84.6726% | 3,237 |
Equity capital to assets | 13.2506% | 919 |
Core capital (leverage) ratio | 12.9828% | 850 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $40,256,500 | 4,726 |
Average earning assets | $37,987,250 | 4,705 |
Average equity | $5,211,250 | 4,678 |
Average total loans | $11,577,000 | 4,773 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2750% | 4,735 |
Cost of funding earning assets | 0.2386% | 3,391 |
Net interest margin | 2.0364% | 4,692 |
Noninterest income to average assets | 0.6207% | 2,128 |
Noninterest expense to average assets | 1.7421% | 4,299 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.7786% | 3,567 |
Return on assets (ROA) | 0.8660% | 3,387 |
Pretax return on assets | 0.8911% | 3,681 |
Return on Equity (ROE) | 6.7446% | 3,720 |
Retained earnings to average equity (ytd only) | 6.7446% | 2,524 |
Net charge-offs to loans | -0.0505% | 4,380 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.5039% | 1,817 |
Assets per employee ($millions) | 8.1870% | 1,118 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5086% | 96 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 26.9403% | 4,728 |
Net loans and leases to deposits | 31.5780% | 4,733 |
Net loans and leases to core deposits | 33.1819% | 4,726 |
Total domestic deposits to total assets | 85.3133% | 2,983 |
Equity capital to assets | 12.6200% | 1,080 |
Core capital (leverage) ratio | 12.0986% | 1,052 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $39,952,667 | 4,762 |
Average earning assets | $37,714,000 | 4,737 |
Average equity | $5,130,000 | 4,710 |
Average total loans | $11,882,333 | 4,805 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1953% | 4,796 |
Cost of funding earning assets | 0.2475% | 3,498 |
Net interest margin | 1.9478% | 4,756 |
Noninterest income to average assets | 0.7197% | 1,804 |
Noninterest expense to average assets | 1.7131% | 4,350 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.8247% | 3,337 |
Return on assets (ROA) | 1.0035% | 2,886 |
Pretax return on assets | 1.0238% | 3,307 |
Return on Equity (ROE) | 7.7465% | 3,401 |
Retained earnings to average equity (ytd only) | 7.7465% | 2,334 |
Net charge-offs to loans | -0.0661% | 4,499 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.0635% | 2,063 |
Assets per employee ($millions) | 8.1122% | 1,146 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2067% | 128 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | 0.0000% | 4,341 |
Net loans and leases to total assets | 29.7675% | 4,700 |
Net loans and leases to deposits | 34.7974% | 4,711 |
Net loans and leases to core deposits | 36.5668% | 4,704 |
Total domestic deposits to total assets | 85.5452% | 2,909 |
Equity capital to assets | 12.4726% | 1,090 |
Core capital (leverage) ratio | 12.2618% | 1,074 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $39,461,500 | 4,792 |
Average earning assets | $37,170,500 | 4,765 |
Average equity | $5,112,000 | 4,737 |
Average total loans | $12,109,000 | 4,827 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8129% | 4,747 |
Cost of funding earning assets | 0.3335% | 3,962 |
Net interest margin | 2.4794% | 4,608 |
Noninterest income to average assets | 0.3436% | 3,408 |
Noninterest expense to average assets | 2.6862% | 2,281 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | -0.0122% | 4,741 |
Return on assets (ROA) | 0.3491% | 4,420 |
Pretax return on assets | 0.3654% | 4,463 |
Return on Equity (ROE) | 2.5212% | 4,479 |
Retained earnings to average equity (ytd only) | 2.5212% | 3,585 |
Net charge-offs to loans | -0.0807% | 4,763 |
Credit loss provision to net charge-offs | 0.0000% | 3,264 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.4077% | 168 |
Assets per employee ($millions) | 7.6724% | 1,179 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3890% | 105 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 29.5761% | 4,760 |
Net loans and leases to deposits | 35.0261% | 4,765 |
Net loans and leases to core deposits | 36.9252% | 4,763 |
Total domestic deposits to total assets | 84.4403% | 2,972 |
Equity capital to assets | 13.4638% | 938 |
Core capital (leverage) ratio | 12.2943% | 1,126 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $36,668,400 | 4,811 |
Average earning assets | $34,484,000 | 4,789 |
Average equity | $5,077,000 | 4,744 |
Average total loans | $11,152,400 | 4,874 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8720% | 4,806 |
Cost of funding earning assets | 0.3522% | 4,046 |
Net interest margin | 2.5199% | 4,641 |
Noninterest income to average assets | 0.3752% | 3,206 |
Noninterest expense to average assets | 2.1189% | 3,900 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.6186% | 3,720 |
Return on assets (ROA) | 1.0374% | 2,322 |
Pretax return on assets | 1.0484% | 2,913 |
Return on Equity (ROE) | 7.4380% | 3,032 |
Retained earnings to average equity (ytd only) | 7.4380% | 1,516 |
Net charge-offs to loans | -0.0727% | 4,762 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.2118% | 1,108 |
Assets per employee ($millions) | 7.6744% | 1,132 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2583% | 113 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 30.5640% | 4,806 |
Net loans and leases to deposits | 36.3636% | 4,820 |
Net loans and leases to core deposits | 38.3343% | 4,816 |
Total domestic deposits to total assets | 84.0509% | 2,804 |
Equity capital to assets | 13.8721% | 892 |
Core capital (leverage) ratio | 13.0011% | 951 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $36,245,000 | 4,841 |
Average earning assets | $34,075,250 | 4,821 |
Average equity | $5,055,000 | 4,769 |
Average total loans | $11,004,500 | 4,910 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9793% | 4,851 |
Cost of funding earning assets | 0.3881% | 4,091 |
Net interest margin | 2.5913% | 4,661 |
Noninterest income to average assets | 0.4671% | 2,728 |
Noninterest expense to average assets | 2.2512% | 3,649 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.6559% | 3,557 |
Return on assets (ROA) | 0.9568% | 2,596 |
Pretax return on assets | 0.9624% | 3,140 |
Return on Equity (ROE) | 6.8470% | 3,190 |
Retained earnings to average equity (ytd only) | 6.8470% | 1,720 |
Net charge-offs to loans | -0.0564% | 4,716 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.3694% | 1,116 |
Assets per employee ($millions) | 7.5162% | 1,171 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2796% | 109 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 30.8401% | 4,840 |
Net loans and leases to deposits | 36.7447% | 4,849 |
Net loans and leases to core deposits | 38.7690% | 4,844 |
Total domestic deposits to total assets | 83.9307% | 2,770 |
Equity capital to assets | 13.9751% | 862 |
Core capital (leverage) ratio | 12.9908% | 1,001 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $35,536,000 | 4,873 |
Average earning assets | $33,497,333 | 4,850 |
Average equity | $4,965,667 | 4,805 |
Average total loans | $10,631,667 | 4,950 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9059% | 4,978 |
Cost of funding earning assets | 0.4659% | 4,087 |
Net interest margin | 2.4400% | 4,856 |
Noninterest income to average assets | 0.4288% | 2,914 |
Noninterest expense to average assets | 2.6309% | 2,888 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.1015% | 4,656 |
Return on assets (ROA) | 0.5911% | 3,675 |
Pretax return on assets | 0.6143% | 3,896 |
Return on Equity (ROE) | 4.2302% | 3,892 |
Retained earnings to average equity (ytd only) | 4.2302% | 2,594 |
Net charge-offs to loans | -0.0804% | 4,770 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.1864% | 323 |
Assets per employee ($millions) | 4.3550% | 3,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9112% | 78 |
Loan loss allowance to noncurrent loans | 39,100.0000% | 26 |
Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,632 |
Noncurrent loans to loans | 0.0100% | 4,539 |
Net loans and leases to total assets | 27.5718% | 4,938 |
Net loans and leases to deposits | 32.8916% | 4,946 |
Net loans and leases to core deposits | 34.8384% | 4,935 |
Total domestic deposits to total assets | 83.8261% | 2,846 |
Equity capital to assets | 13.9495% | 1,075 |
Core capital (leverage) ratio | 13.4170% | 1,060 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.7896% | 402 |
Memoranda: | ||
Average total assets | $34,513,500 | 4,918 |
Average earning assets | $32,623,500 | 4,896 |
Average equity | $4,822,500 | 4,860 |
Average total loans | $9,956,000 | 4,999 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1430% | 5,016 |
Cost of funding earning assets | 0.5079% | 4,055 |
Net interest margin | 2.6351% | 4,883 |
Noninterest income to average assets | 0.4186% | 3,183 |
Noninterest expense to average assets | 2.5383% | 3,352 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 0.3454% | 4,687 |
Return on assets (ROA) | 0.5053% | 4,446 |
Pretax return on assets | 0.5083% | 4,562 |
Return on Equity (ROE) | 3.7003% | 4,534 |
Retained earnings to average equity (ytd only) | 3.7003% | 3,145 |
Net charge-offs to loans | -0.1214% | 4,982 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.9793% | 442 |
Assets per employee ($millions) | 4.2734% | 3,542 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9233% | 65 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 27.8644% | 4,996 |
Net loans and leases to deposits | 33.2565% | 5,004 |
Net loans and leases to core deposits | 35.2475% | 5,004 |
Total domestic deposits to total assets | 83.7862% | 2,919 |
Equity capital to assets | 13.9965% | 1,103 |
Core capital (leverage) ratio | 13.4419% | 1,070 |
Tier 1 risk-based capital ratio | 27.8422% | 571 |
Total risk-based capital ratio | 29.1048% | 558 |
Memoranda: | ||
Average total assets | $33,447,600 | 4,985 |
Average earning assets | $31,307,800 | 4,971 |
Average equity | $4,567,200 | 4,936 |
Average total loans | $9,063,600 | 5,071 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1142% | 5,121 |
Cost of funding earning assets | 0.5112% | 4,096 |
Net interest margin | 2.6030% | 5,000 |
Noninterest income to average assets | 0.4570% | 2,983 |
Noninterest expense to average assets | 2.4371% | 3,593 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 0.4464% | 4,628 |
Return on assets (ROA) | 0.5972% | 4,349 |
Pretax return on assets | 0.6012% | 4,541 |
Return on Equity (ROE) | 4.4022% | 4,506 |
Retained earnings to average equity (ytd only) | 4.4022% | 3,195 |
Net charge-offs to loans | -0.1356% | 5,050 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.4444% | 584 |
Assets per employee ($millions) | 4.2056% | 3,608 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1293% | 59 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 26.7053% | 5,102 |
Net loans and leases to deposits | 31.9626% | 5,109 |
Net loans and leases to core deposits | 33.8967% | 5,108 |
Total domestic deposits to total assets | 83.5518% | 2,977 |
Equity capital to assets | 14.2072% | 1,076 |
Core capital (leverage) ratio | 13.7692% | 1,048 |
Tier 1 risk-based capital ratio | 29.5926% | 497 |
Total risk-based capital ratio | 30.8566% | 489 |
Memoranda: | ||
Average total assets | $33,262,750 | 5,065 |
Average earning assets | $31,039,750 | 5,048 |
Average equity | $4,512,750 | 5,005 |
Average total loans | $8,850,750 | 5,154 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0309% | 5,203 |
Cost of funding earning assets | 0.4965% | 4,129 |
Net interest margin | 2.5343% | 5,110 |
Noninterest income to average assets | 0.4285% | 3,078 |
Noninterest expense to average assets | 2.3359% | 3,909 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.4889% | 4,550 |
Return on assets (ROA) | 0.6941% | 4,083 |
Pretax return on assets | 0.6700% | 4,403 |
Return on Equity (ROE) | 5.1993% | 4,295 |
Retained earnings to average equity (ytd only) | 5.1993% | 2,670 |
Net charge-offs to loans | -0.1152% | 5,030 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.4052% | 700 |
Assets per employee ($millions) | 4.1936% | 3,582 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3902% | 50 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 24.8621% | 5,168 |
Net loans and leases to deposits | 29.6053% | 5,170 |
Net loans and leases to core deposits | 31.0305% | 5,173 |
Total domestic deposits to total assets | 83.9787% | 2,875 |
Equity capital to assets | 13.8484% | 1,185 |
Core capital (leverage) ratio | 13.8015% | 1,024 |
Tier 1 risk-based capital ratio | 30.5154% | 468 |
Total risk-based capital ratio | 31.7755% | 458 |
Memoranda: | ||
Average total assets | $33,135,330 | 5,105 |
Average earning assets | $31,014,000 | 5,086 |
Average equity | $4,423,670 | 5,052 |
Average total loans | $8,677,000 | 5,206 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9038% | 5,296 |
Cost of funding earning assets | 0.4796% | 4,158 |
Net interest margin | 2.4242% | 5,214 |
Noninterest income to average assets | 0.4738% | 2,711 |
Noninterest expense to average assets | 2.3688% | 3,847 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.3523% | 4,824 |
Return on assets (ROA) | 0.3523% | 4,830 |
Pretax return on assets | 0.3766% | 4,869 |
Return on Equity (ROE) | 2.6899% | 4,852 |
Retained earnings to average equity (ytd only) | 2.6899% | 3,857 |
Net charge-offs to loans | -0.0924% | 5,011 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.2832% | 564 |
Assets per employee ($millions) | 4.1806% | 3,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3359% | 52 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 25.0680% | 5,219 |
Net loans and leases to deposits | 30.1822% | 5,220 |
Net loans and leases to core deposits | 31.6401% | 5,215 |
Total domestic deposits to total assets | 83.0558% | 3,366 |
Equity capital to assets | 13.3413% | 1,277 |
Core capital (leverage) ratio | 13.7084% | 1,023 |
Tier 1 risk-based capital ratio | 29.8306% | 483 |
Total risk-based capital ratio | 31.0927% | 471 |
Memoranda: | ||
Average total assets | $32,928,500 | 5,164 |
Average earning assets | $30,856,000 | 5,141 |
Average equity | $4,312,500 | 5,111 |
Average total loans | $8,653,500 | 5,262 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0286% | 5,220 |
Cost of funding earning assets | 0.2809% | 4,656 |
Net interest margin | 2.7477% | 5,064 |
Noninterest income to average assets | 0.4227% | 3,292 |
Noninterest expense to average assets | 2.6145% | 3,292 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.3834% | 4,888 |
Return on assets (ROA) | 0.3895% | 4,876 |
Pretax return on assets | 0.3834% | 4,951 |
Return on Equity (ROE) | 3.0909% | 4,882 |
Retained earnings to average equity (ytd only) | -0.0719% | 4,994 |
Net charge-offs to loans | -0.3503% | 5,318 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3865% | 457 |
Assets per employee ($millions) | 4.6303% | 2,983 |
Cash dividends to net income (ytd only)* | 102.3256% | 230 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4247% | 41 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 25.1913% | 5,266 |
Net loans and leases to deposits | 30.0261% | 5,266 |
Net loans and leases to core deposits | 31.2010% | 5,264 |
Total domestic deposits to total assets | 83.8979% | 3,029 |
Equity capital to assets | 12.8440% | 1,417 |
Core capital (leverage) ratio | 13.6720% | 1,017 |
Tier 1 risk-based capital ratio | 30.1527% | 469 |
Total risk-based capital ratio | 31.4164% | 458 |
Memoranda: | ||
Average total assets | $33,122,600 | 5,204 |
Average earning assets | $30,971,800 | 5,183 |
Average equity | $4,173,600 | 5,155 |
Average total loans | $9,135,200 | 5,302 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9742% | 5,298 |
Cost of funding earning assets | 0.2747% | 4,657 |
Net interest margin | 2.6996% | 5,163 |
Noninterest income to average assets | 0.4244% | 3,327 |
Noninterest expense to average assets | 2.2622% | 4,192 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.6967% | 4,231 |
Return on assets (ROA) | 0.6927% | 4,254 |
Pretax return on assets | 0.6767% | 4,588 |
Return on Equity (ROE) | 5.5231% | 4,413 |
Retained earnings to average equity (ytd only) | 1.3091% | 4,775 |
Net charge-offs to loans | -0.4166% | 5,385 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8707% | 1,246 |
Assets per employee ($millions) | 4.6699% | 2,882 |
Cash dividends to net income (ytd only)* | 76.3028% | 658 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2648% | 52 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 25.7518% | 5,324 |
Net loans and leases to deposits | 30.4239% | 5,334 |
Net loans and leases to core deposits | 31.2914% | 5,337 |
Total domestic deposits to total assets | 84.6432% | 2,738 |
Equity capital to assets | 12.5883% | 1,526 |
Core capital (leverage) ratio | 13.4540% | 1,118 |
Tier 1 risk-based capital ratio | 29.8371% | 485 |
Total risk-based capital ratio | 31.1018% | 478 |
Memoranda: | ||
Average total assets | $33,300,250 | 5,270 |
Average earning assets | $31,066,250 | 5,252 |
Average equity | $4,176,250 | 5,220 |
Average total loans | $9,283,250 | 5,368 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9043% | 5,369 |
Cost of funding earning assets | 0.2623% | 4,684 |
Net interest margin | 2.6420% | 5,254 |
Noninterest income to average assets | 0.4477% | 3,165 |
Noninterest expense to average assets | 2.2027% | 4,361 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.6742% | 4,268 |
Return on assets (ROA) | 0.6686% | 4,293 |
Pretax return on assets | 0.7044% | 4,498 |
Return on Equity (ROE) | 5.3376% | 4,451 |
Retained earnings to average equity (ytd only) | -0.9531% | 5,064 |
Net charge-offs to loans | -0.5928% | 5,456 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6148% | 1,481 |
Assets per employee ($millions) | 6.7046% | 1,070 |
Cash dividends to net income (ytd only)* | 117.8571% | 261 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0939% | 56 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 26.2059% | 5,379 |
Net loans and leases to deposits | 30.5767% | 5,391 |
Net loans and leases to core deposits | 31.4131% | 5,392 |
Total domestic deposits to total assets | 85.7053% | 2,408 |
Equity capital to assets | 12.2931% | 1,666 |
Core capital (leverage) ratio | 13.2548% | 1,144 |
Tier 1 risk-based capital ratio | 24.4850% | 791 |
Total risk-based capital ratio | 25.7409% | 766 |
Memoranda: | ||
Average total assets | $33,504,000 | 5,329 |
Average earning assets | $31,264,000 | 5,315 |
Average equity | $4,196,670 | 5,278 |
Average total loans | $9,446,670 | 5,423 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8090% | 5,454 |
Cost of funding earning assets | 0.2437% | 4,750 |
Net interest margin | 2.5653% | 5,344 |
Noninterest income to average assets | 0.4657% | 3,025 |
Noninterest expense to average assets | 2.0780% | 4,705 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.7404% | 3,943 |
Return on assets (ROA) | 0.7404% | 3,943 |
Pretax return on assets | 0.7762% | 4,208 |
Return on Equity (ROE) | 5.8567% | 4,204 |
Retained earnings to average equity (ytd only) | -6.6124% | 5,273 |
Net charge-offs to loans | -0.1668% | 5,337 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.8033% | 2,071 |
Assets per employee ($millions) | 6.7150% | 1,083 |
Cash dividends to net income (ytd only)* | 212.9032% | 175 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6924% | 77 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 27.1899% | 5,421 |
Net loans and leases to deposits | 31.6957% | 5,424 |
Net loans and leases to core deposits | 32.5605% | 5,430 |
Total domestic deposits to total assets | 85.7841% | 2,641 |
Equity capital to assets | 12.2591% | 1,628 |
Core capital (leverage) ratio | 13.3303% | 1,058 |
Tier 1 risk-based capital ratio | 28.9736% | 513 |
Total risk-based capital ratio | 30.2327% | 513 |
Memoranda: | ||
Average total assets | $33,494,500 | 5,385 |
Average earning assets | $31,185,000 | 5,369 |
Average equity | $4,234,500 | 5,325 |
Average total loans | $9,590,000 | 5,484 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8096% | 5,457 |
Cost of funding earning assets | 0.2357% | 4,682 |
Net interest margin | 2.5739% | 5,368 |
Noninterest income to average assets | 0.4846% | 3,097 |
Noninterest expense to average assets | 2.6203% | 3,379 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.2446% | 5,027 |
Return on assets (ROA) | 0.3560% | 4,837 |
Pretax return on assets | 0.3619% | 5,135 |
Return on Equity (ROE) | 2.5591% | 4,933 |
Retained earnings to average equity (ytd only) | -3.4624% | 5,369 |
Net charge-offs to loans | -0.0338% | 5,085 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.3452% | 369 |
Assets per employee ($millions) | 6.6828% | 1,112 |
Cash dividends to net income (ytd only)* | 235.2941% | 80 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5666% | 84 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 27.9972% | 5,467 |
Net loans and leases to deposits | 33.8190% | 5,460 |
Net loans and leases to core deposits | 34.7808% | 5,480 |
Total domestic deposits to total assets | 82.7857% | 3,631 |
Equity capital to assets | 13.0275% | 1,255 |
Core capital (leverage) ratio | 13.4849% | 970 |
Tier 1 risk-based capital ratio | 29.3037% | 488 |
Total risk-based capital ratio | 30.5638% | 482 |
Memoranda: | ||
Average total assets | $33,430,800 | 5,442 |
Average earning assets | $30,965,200 | 5,426 |
Average equity | $4,650,000 | 5,325 |
Average total loans | $8,876,000 | 5,559 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7986% | 5,521 |
Cost of funding earning assets | 0.2454% | 4,603 |
Net interest margin | 2.5532% | 5,435 |
Noninterest income to average assets | 0.4945% | 3,058 |
Noninterest expense to average assets | 2.3009% | 4,295 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.5556% | 4,553 |
Return on assets (ROA) | 0.6859% | 4,112 |
Pretax return on assets | 0.6899% | 4,634 |
Return on Equity (ROE) | 4.8543% | 4,586 |
Retained earnings to average equity (ytd only) | 4.8543% | 2,985 |
Net charge-offs to loans | -0.1384% | 5,459 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.4742% | 1,050 |
Assets per employee ($millions) | 4.0546% | 3,893 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1549% | 61 |
Loan loss allowance to noncurrent loans | 1,676.1905% | 385 |
Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,911 |
Noncurrent loans to loans | 0.2479% | 4,066 |
Net loans and leases to total assets | 25.0331% | 5,590 |
Net loans and leases to deposits | 30.0886% | 5,586 |
Net loans and leases to core deposits | 30.9652% | 5,586 |
Total domestic deposits to total assets | 83.1982% | 3,395 |
Equity capital to assets | 14.8133% | 777 |
Core capital (leverage) ratio | 14.3562% | 803 |
Tier 1 risk-based capital ratio | 37.4425% | 272 |
Total risk-based capital ratio | 38.7064% | 268 |
Memoranda: | ||
Average total assets | $33,435,000 | 5,506 |
Average earning assets | $30,967,000 | 5,486 |
Average equity | $4,724,250 | 5,373 |
Average total loans | $8,669,750 | 5,623 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7273% | 5,588 |
Cost of funding earning assets | 0.2613% | 4,454 |
Net interest margin | 2.4660% | 5,529 |
Noninterest income to average assets | 0.5271% | 2,846 |
Noninterest expense to average assets | 2.2566% | 4,447 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.5425% | 4,559 |
Return on assets (ROA) | 0.6278% | 4,221 |
Pretax return on assets | 0.6515% | 4,682 |
Return on Equity (ROE) | 4.5132% | 4,659 |
Retained earnings to average equity (ytd only) | 4.5132% | 3,023 |
Net charge-offs to loans | -0.1145% | 5,452 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.0420% | 1,204 |
Assets per employee ($millions) | 4.1885% | 3,646 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2979% | 55 |
Loan loss allowance to noncurrent loans | 404.6512% | 1,243 |
Noncurrent assets plus other real estate owned to assets | 0.2567% | 4,097 |
Noncurrent loans to loans | 1.0621% | 1,848 |
Net loans and leases to total assets | 23.1258% | 5,661 |
Net loans and leases to deposits | 27.5814% | 5,659 |
Net loans and leases to core deposits | 28.3524% | 5,662 |
Total domestic deposits to total assets | 83.8456% | 3,261 |
Equity capital to assets | 14.2205% | 896 |
Core capital (leverage) ratio | 13.9753% | 873 |
Tier 1 risk-based capital ratio | 29.7381% | 476 |
Total risk-based capital ratio | 30.9970% | 469 |
Memoranda: | ||
Average total assets | $33,767,670 | 5,546 |
Average earning assets | $31,386,670 | 5,527 |
Average equity | $4,697,330 | 5,417 |
Average total loans | $8,735,670 | 5,673 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5712% | 5,696 |
Cost of funding earning assets | 0.2546% | 4,499 |
Net interest margin | 2.3166% | 5,654 |
Noninterest income to average assets | 0.4602% | 3,251 |
Noninterest expense to average assets | 2.4663% | 3,920 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.1652% | 5,440 |
Return on assets (ROA) | 0.1652% | 5,452 |
Pretax return on assets | 0.1416% | 5,488 |
Return on Equity (ROE) | 1.2008% | 5,462 |
Retained earnings to average equity (ytd only) | 1.2008% | 4,592 |
Net charge-offs to loans | -0.1325% | 5,530 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.5701% | 362 |
Assets per employee ($millions) | 4.2215% | 3,630 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0298% | 79 |
Loan loss allowance to noncurrent loans | 397.7011% | 1,268 |
Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,179 |
Noncurrent loans to loans | 1.0133% | 2,025 |
Net loans and leases to total assets | 24.3989% | 5,694 |
Net loans and leases to deposits | 28.9580% | 5,692 |
Net loans and leases to core deposits | 29.7570% | 5,695 |
Total domestic deposits to total assets | 84.2562% | 3,373 |
Equity capital to assets | 13.8665% | 948 |
Core capital (leverage) ratio | 13.7022% | 914 |
Tier 1 risk-based capital ratio | 27.2562% | 611 |
Total risk-based capital ratio | 28.5135% | 593 |
Memoranda: | ||
Average total assets | $33,897,500 | 5,604 |
Average earning assets | $31,425,000 | 5,589 |
Average equity | $4,663,500 | 5,481 |
Average total loans | $9,055,000 | 5,731 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0331% | 5,474 |
Cost of funding earning assets | 0.2673% | 4,395 |
Net interest margin | 2.7657% | 5,335 |
Noninterest income to average assets | 0.5427% | 2,963 |
Noninterest expense to average assets | 2.4405% | 4,187 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6909% | 3,825 |
Return on assets (ROA) | 0.6909% | 3,931 |
Pretax return on assets | 0.6791% | 4,559 |
Return on Equity (ROE) | 4.8779% | 4,485 |
Retained earnings to average equity (ytd only) | -0.9840% | 5,439 |
Net charge-offs to loans | 0.0565% | 2,923 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 38.1667% | 1,215 |
Efficiency ratio | 78.2319% | 1,663 |
Assets per employee ($millions) | 4.2529% | 3,521 |
Cash dividends to net income (ytd only)* | 120.1717% | 231 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6014% | 101 |
Loan loss allowance to noncurrent loans | 389.7727% | 1,310 |
Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,260 |
Noncurrent loans to loans | 0.9240% | 2,251 |
Net loans and leases to total assets | 26.9847% | 5,704 |
Net loans and leases to deposits | 31.9184% | 5,712 |
Net loans and leases to core deposits | 32.7881% | 5,723 |
Total domestic deposits to total assets | 84.5428% | 3,223 |
Equity capital to assets | 13.6496% | 996 |
Core capital (leverage) ratio | 13.6420% | 920 |
Tier 1 risk-based capital ratio | 33.2590% | 367 |
Total risk-based capital ratio | 34.5172% | 364 |
Memoranda: | ||
Average total assets | $33,723,000 | 5,655 |
Average earning assets | $31,420,200 | 5,640 |
Average equity | $4,776,600 | 5,510 |
Average total loans | $10,614,200 | 5,752 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0771% | 5,493 |
Cost of funding earning assets | 0.2589% | 4,523 |
Net interest margin | 2.8182% | 5,326 |
Noninterest income to average assets | 0.5865% | 2,727 |
Noninterest expense to average assets | 2.3141% | 4,499 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.9312% | 2,747 |
Return on assets (ROA) | 0.9312% | 2,873 |
Pretax return on assets | 0.9035% | 3,966 |
Return on Equity (ROE) | 6.5145% | 3,830 |
Retained earnings to average equity (ytd only) | -1.2475% | 5,520 |
Net charge-offs to loans | -0.0980% | 5,567 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.9212% | 2,592 |
Assets per employee ($millions) | 4.7093% | 2,734 |
Cash dividends to net income (ytd only)* | 119.1459% | 236 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7207% | 95 |
Loan loss allowance to noncurrent loans | 396.6667% | 1,278 |
Noncurrent assets plus other real estate owned to assets | 0.2730% | 4,338 |
Noncurrent loans to loans | 0.9380% | 2,368 |
Net loans and leases to total assets | 28.0237% | 5,756 |
Net loans and leases to deposits | 33.5610% | 5,763 |
Net loans and leases to core deposits | 34.5178% | 5,771 |
Total domestic deposits to total assets | 83.5007% | 3,397 |
Equity capital to assets | 14.6489% | 828 |
Core capital (leverage) ratio | 13.9684% | 858 |
Tier 1 risk-based capital ratio | 28.0536% | 582 |
Total risk-based capital ratio | 29.3144% | 571 |
Memoranda: | ||
Average total assets | $33,648,000 | 5,717 |
Average earning assets | $31,413,750 | 5,698 |
Average equity | $4,809,750 | 5,553 |
Average total loans | $10,886,750 | 5,810 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1836% | 5,454 |
Cost of funding earning assets | 0.2527% | 4,633 |
Net interest margin | 2.9309% | 5,210 |
Noninterest income to average assets | 0.5255% | 3,035 |
Noninterest expense to average assets | 2.2907% | 4,635 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.9505% | 2,620 |
Return on assets (ROA) | 0.9505% | 2,764 |
Pretax return on assets | 0.9742% | 3,681 |
Return on Equity (ROE) | 6.7037% | 3,696 |
Retained earnings to average equity (ytd only) | -4.9549% | 5,745 |
Net charge-offs to loans | -0.0884% | 5,576 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1627% | 2,952 |
Assets per employee ($millions) | 4.1825% | 3,598 |
Cash dividends to net income (ytd only)* | 173.9130% | 153 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3494% | 139 |
Loan loss allowance to noncurrent loans | 324.7706% | 1,526 |
Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,194 |
Noncurrent loans to loans | 1.0313% | 2,220 |
Net loans and leases to total assets | 30.5290% | 5,771 |
Net loans and leases to deposits | 36.3717% | 5,783 |
Net loans and leases to core deposits | 37.3875% | 5,801 |
Total domestic deposits to total assets | 83.9360% | 3,290 |
Equity capital to assets | 14.2767% | 939 |
Core capital (leverage) ratio | 13.4812% | 991 |
Tier 1 risk-based capital ratio | 30.4049% | 477 |
Total risk-based capital ratio | 31.6676% | 472 |
Memoranda: | ||
Average total assets | $33,875,670 | 5,779 |
Average earning assets | $31,662,330 | 5,760 |
Average equity | $4,803,330 | 5,610 |
Average total loans | $11,317,330 | 5,879 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1798% | 5,513 |
Cost of funding earning assets | 0.2514% | 4,689 |
Net interest margin | 2.9284% | 5,267 |
Noninterest income to average assets | 0.5046% | 3,085 |
Noninterest expense to average assets | 2.3706% | 4,452 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.8450% | 3,009 |
Return on assets (ROA) | 0.8450% | 3,138 |
Pretax return on assets | 0.8685% | 3,972 |
Return on Equity (ROE) | 5.9794% | 3,999 |
Retained earnings to average equity (ytd only) | 5.9794% | 2,383 |
Net charge-offs to loans | -0.0684% | 5,480 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1884% | 2,606 |
Assets per employee ($millions) | 4.2499% | 3,493 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9610% | 232 |
Loan loss allowance to noncurrent loans | 316.2162% | 1,541 |
Noncurrent assets plus other real estate owned to assets | 0.3265% | 4,261 |
Noncurrent loans to loans | 0.9364% | 2,509 |
Net loans and leases to total assets | 33.8333% | 5,725 |
Net loans and leases to deposits | 40.3303% | 5,703 |
Net loans and leases to core deposits | 41.4373% | 5,736 |
Total domestic deposits to total assets | 83.8907% | 3,560 |
Equity capital to assets | 14.3887% | 860 |
Core capital (leverage) ratio | 13.8074% | 861 |
Tier 1 risk-based capital ratio | 30.1399% | 504 |
Total risk-based capital ratio | 31.3995% | 494 |
Memoranda: | ||
Average total assets | $34,083,500 | 5,835 |
Average earning assets | $31,826,000 | 5,814 |
Average equity | $4,816,500 | 5,657 |
Average total loans | $11,691,500 | 5,924 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1892% | 5,528 |
Cost of funding earning assets | 0.2110% | 5,184 |
Net interest margin | 2.9782% | 5,187 |
Noninterest income to average assets | 0.4660% | 3,554 |
Noninterest expense to average assets | 3.0307% | 2,441 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.1274% | 5,717 |
Return on assets (ROA) | 0.1274% | 5,764 |
Pretax return on assets | 0.2142% | 5,668 |
Return on Equity (ROE) | 0.9188% | 5,787 |
Retained earnings to average equity (ytd only) | 0.9188% | 5,154 |
Net charge-offs to loans | 0.3102% | 969 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 1.9474% | 4,003 |
Efficiency ratio | 93.3988% | 512 |
Assets per employee ($millions) | 4.2710% | 3,448 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0271% | 216 |
Loan loss allowance to noncurrent loans | 311.6071% | 1,584 |
Noncurrent assets plus other real estate owned to assets | 0.3278% | 4,274 |
Noncurrent loans to loans | 0.9715% | 2,389 |
Net loans and leases to total assets | 32.7207% | 5,815 |
Net loans and leases to deposits | 38.7401% | 5,814 |
Net loans and leases to core deposits | 39.7907% | 5,828 |
Total domestic deposits to total assets | 84.4621% | 3,302 |
Equity capital to assets | 13.8756% | 975 |
Core capital (leverage) ratio | 13.4664% | 982 |
Tier 1 risk-based capital ratio | 29.4600% | 533 |
Total risk-based capital ratio | 30.7217% | 523 |
Memoranda: | ||
Average total assets | $34,546,800 | 5,877 |
Average earning assets | $32,233,800 | 5,851 |
Average equity | $4,789,000 | 5,701 |
Average total loans | $12,248,600 | 5,967 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2089% | 5,572 |
Cost of funding earning assets | 0.2062% | 5,323 |
Net interest margin | 3.0027% | 5,184 |
Noninterest income to average assets | 0.4388% | 3,809 |
Noninterest expense to average assets | 2.3170% | 4,739 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.8160% | 3,353 |
Return on assets (ROA) | 0.8160% | 3,442 |
Pretax return on assets | 0.9237% | 3,903 |
Return on Equity (ROE) | 5.8875% | 4,201 |
Retained earnings to average equity (ytd only) | 5.8875% | 2,318 |
Net charge-offs to loans | -0.0537% | 5,567 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4964% | 2,958 |
Assets per employee ($millions) | 4.2834% | 3,351 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4586% | 157 |
Loan loss allowance to noncurrent loans | 343.8596% | 1,426 |
Noncurrent assets plus other real estate owned to assets | 0.4582% | 3,962 |
Noncurrent loans to loans | 1.0058% | 2,464 |
Net loans and leases to total assets | 31.9316% | 5,926 |
Net loans and leases to deposits | 38.0168% | 5,927 |
Net loans and leases to core deposits | 39.0493% | 5,945 |
Total domestic deposits to total assets | 83.9933% | 3,430 |
Equity capital to assets | 14.3753% | 890 |
Core capital (leverage) ratio | 14.0155% | 859 |
Tier 1 risk-based capital ratio | 31.7958% | 451 |
Total risk-based capital ratio | 33.0574% | 448 |
Memoranda: | ||
Average total assets | $34,641,500 | 5,957 |
Average earning assets | $32,326,000 | 5,930 |
Average equity | $4,801,000 | 5,777 |
Average total loans | $12,428,500 | 6,043 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2276% | 5,573 |
Cost of funding earning assets | 0.2090% | 5,367 |
Net interest margin | 3.0185% | 5,179 |
Noninterest income to average assets | 0.4142% | 3,974 |
Noninterest expense to average assets | 2.4679% | 4,338 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.6213% | 4,256 |
Return on assets (ROA) | 0.6213% | 4,372 |
Pretax return on assets | 0.7709% | 4,422 |
Return on Equity (ROE) | 4.5385% | 4,807 |
Retained earnings to average equity (ytd only) | 4.5385% | 3,141 |
Net charge-offs to loans | -0.0469% | 5,521 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1989% | 2,322 |
Assets per employee ($millions) | 4.4220% | 3,107 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0806% | 251 |
Loan loss allowance to noncurrent loans | 66.2139% | 4,589 |
Noncurrent assets plus other real estate owned to assets | 1.7865% | 1,293 |
Noncurrent loans to loans | 4.6524% | 283 |
Net loans and leases to total assets | 34.6845% | 5,877 |
Net loans and leases to deposits | 40.8428% | 5,878 |
Net loans and leases to core deposits | 41.9043% | 5,900 |
Total domestic deposits to total assets | 84.9220% | 3,148 |
Equity capital to assets | 13.5346% | 1,156 |
Core capital (leverage) ratio | 13.3467% | 1,029 |
Tier 1 risk-based capital ratio | 27.9330% | 645 |
Total risk-based capital ratio | 29.1938% | 640 |
Memoranda: | ||
Average total assets | $34,766,330 | 6,019 |
Average earning assets | $32,532,330 | 5,988 |
Average equity | $4,759,330 | 5,841 |
Average total loans | $12,793,330 | 6,102 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0475% | 5,845 |
Cost of funding earning assets | 0.2230% | 5,288 |
Net interest margin | 2.8245% | 5,595 |
Noninterest income to average assets | 0.4527% | 3,619 |
Noninterest expense to average assets | 2.2402% | 5,041 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.8473% | 3,019 |
Return on assets (ROA) | 0.8473% | 3,141 |
Pretax return on assets | 0.8589% | 4,028 |
Return on Equity (ROE) | 6.1538% | 3,951 |
Retained earnings to average equity (ytd only) | 6.1538% | 2,400 |
Net charge-offs to loans | -0.0311% | 5,281 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2846% | 3,123 |
Assets per employee ($millions) | 4.4303% | 3,162 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0138% | 292 |
Loan loss allowance to noncurrent loans | 40.5434% | 5,285 |
Noncurrent assets plus other real estate owned to assets | 2.8215% | 698 |
Noncurrent loans to loans | 7.4336% | 112 |
Net loans and leases to total assets | 35.2294% | 5,863 |
Net loans and leases to deposits | 41.4928% | 5,862 |
Net loans and leases to core deposits | 42.5678% | 5,886 |
Total domestic deposits to total assets | 84.9049% | 3,455 |
Equity capital to assets | 13.5856% | 1,134 |
Core capital (leverage) ratio | 13.5674% | 949 |
Tier 1 risk-based capital ratio | 23.6794% | 1,028 |
Total risk-based capital ratio | 24.9345% | 1,016 |
Memoranda: | ||
Average total assets | $34,461,500 | 6,090 |
Average earning assets | $32,289,000 | 6,052 |
Average equity | $4,745,000 | 5,897 |
Average total loans | $12,860,000 | 6,158 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3516% | 5,620 |
Cost of funding earning assets | 0.2369% | 5,457 |
Net interest margin | 3.1147% | 5,170 |
Noninterest income to average assets | 0.6444% | 2,589 |
Noninterest expense to average assets | 2.8538% | 3,286 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.6622% | 4,076 |
Return on assets (ROA) | 0.6622% | 4,176 |
Pretax return on assets | 0.6800% | 4,693 |
Return on Equity (ROE) | 4.8561% | 4,734 |
Retained earnings to average equity (ytd only) | 4.8561% | 2,711 |
Net charge-offs to loans | -0.4083% | 6,371 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.7563% | 1,811 |
Assets per employee ($millions) | 4.7830% | 2,614 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0126% | 295 |
Loan loss allowance to noncurrent loans | 282.4818% | 1,716 |
Noncurrent assets plus other real estate owned to assets | 0.5376% | 4,006 |
Noncurrent loans to loans | 1.0665% | 2,690 |
Net loans and leases to total assets | 37.2122% | 5,893 |
Net loans and leases to deposits | 44.1809% | 5,872 |
Net loans and leases to core deposits | 45.4045% | 5,919 |
Total domestic deposits to total assets | 84.2269% | 3,618 |
Equity capital to assets | 13.9631% | 963 |
Core capital (leverage) ratio | 13.2746% | 1,034 |
Tier 1 risk-based capital ratio | 28.9495% | 571 |
Total risk-based capital ratio | 30.2134% | 552 |
Memoranda: | ||
Average total assets | $33,674,600 | 6,183 |
Average earning assets | $31,239,000 | 6,158 |
Average equity | $4,592,200 | 5,963 |
Average total loans | $12,981,400 | 6,228 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4061% | 5,586 |
Cost of funding earning assets | 0.2342% | 5,561 |
Net interest margin | 3.1719% | 5,050 |
Noninterest income to average assets | 0.7235% | 2,208 |
Noninterest expense to average assets | 2.5027% | 4,519 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.1663% | 1,804 |
Return on assets (ROA) | 1.1663% | 1,872 |
Pretax return on assets | 1.1663% | 2,923 |
Return on Equity (ROE) | 8.6037% | 2,902 |
Retained earnings to average equity (ytd only) | 8.6037% | 1,123 |
Net charge-offs to loans | -0.5225% | 6,466 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2112% | 3,822 |
Assets per employee ($millions) | 4.9300% | 2,330 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2060% | 290 |
Loan loss allowance to noncurrent loans | 54.1374% | 4,993 |
Noncurrent assets plus other real estate owned to assets | 2.0661% | 1,367 |
Noncurrent loans to loans | 5.9219% | 241 |
Net loans and leases to total assets | 33.7699% | 6,122 |
Net loans and leases to deposits | 39.8768% | 6,120 |
Net loans and leases to core deposits | 40.9401% | 6,154 |
Total domestic deposits to total assets | 84.6856% | 3,462 |
Equity capital to assets | 13.8337% | 1,058 |
Core capital (leverage) ratio | 13.7827% | 901 |
Tier 1 risk-based capital ratio | 25.5411% | 827 |
Total risk-based capital ratio | 26.8026% | 812 |
Memoranda: | ||
Average total assets | $33,723,000 | 6,257 |
Average earning assets | $31,315,500 | 6,233 |
Average equity | $4,571,500 | 6,028 |
Average total loans | $13,015,250 | 6,301 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5547% | 5,274 |
Cost of funding earning assets | 0.2585% | 5,399 |
Net interest margin | 3.2962% | 4,607 |
Noninterest income to average assets | 0.4483% | 3,887 |
Noninterest expense to average assets | 2.5881% | 4,280 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.9085% | 2,764 |
Return on assets (ROA) | 0.9085% | 2,863 |
Pretax return on assets | 0.9085% | 3,857 |
Return on Equity (ROE) | 6.7496% | 3,754 |
Retained earnings to average equity (ytd only) | 6.7496% | 1,901 |
Net charge-offs to loans | -0.7646% | 6,556 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0171% | 2,976 |
Assets per employee ($millions) | 4.7723% | 2,514 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8633% | 449 |
Loan loss allowance to noncurrent loans | 159.0909% | 2,588 |
Noncurrent assets plus other real estate owned to assets | 1.8470% | 1,761 |
Noncurrent loans to loans | 1.7998% | 1,901 |
Net loans and leases to total assets | 39.0978% | 5,887 |
Net loans and leases to deposits | 46.1813% | 5,877 |
Net loans and leases to core deposits | 47.4549% | 5,925 |
Total domestic deposits to total assets | 84.6614% | 3,654 |
Equity capital to assets | 13.8358% | 1,037 |
Core capital (leverage) ratio | 13.3232% | 1,042 |
Tier 1 risk-based capital ratio | 26.1343% | 758 |
Total risk-based capital ratio | 27.3963% | 745 |
Memoranda: | ||
Average total assets | $33,460,670 | 6,318 |
Average earning assets | $30,945,000 | 6,298 |
Average equity | $4,504,000 | 6,092 |
Average total loans | $13,340,330 | 6,343 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8637% | 4,229 |
Cost of funding earning assets | 0.2714% | 5,372 |
Net interest margin | 3.5923% | 3,276 |
Noninterest income to average assets | 0.4181% | 4,046 |
Noninterest expense to average assets | 2.6995% | 3,935 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.0392% | 2,045 |
Return on assets (ROA) | 1.0392% | 2,118 |
Pretax return on assets | 1.0392% | 3,168 |
Return on Equity (ROE) | 7.8290% | 3,025 |
Retained earnings to average equity (ytd only) | 7.8290% | 1,671 |
Net charge-offs to loans | -1.5353% | 6,657 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2045% | 3,449 |
Assets per employee ($millions) | 4.8771% | 2,402 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8776% | 497 |
Loan loss allowance to noncurrent loans | 145.8333% | 2,704 |
Noncurrent assets plus other real estate owned to assets | 1.8717% | 1,847 |
Noncurrent loans to loans | 1.9732% | 1,895 |
Net loans and leases to total assets | 38.0609% | 5,940 |
Net loans and leases to deposits | 44.6529% | 5,936 |
Net loans and leases to core deposits | 45.8472% | 6,001 |
Total domestic deposits to total assets | 85.2373% | 3,753 |
Equity capital to assets | 13.2308% | 1,198 |
Core capital (leverage) ratio | 13.2738% | 1,053 |
Tier 1 risk-based capital ratio | 23.9377% | 1,006 |
Total risk-based capital ratio | 25.1959% | 989 |
Memoranda: | ||
Average total assets | $33,488,000 | 6,383 |
Average earning assets | $30,955,000 | 6,361 |
Average equity | $4,445,000 | 6,147 |
Average total loans | $13,287,500 | 6,408 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4159% | 5,811 |
Cost of funding earning assets | 0.2687% | 5,842 |
Net interest margin | 3.1472% | 5,168 |
Noninterest income to average assets | 0.6214% | 2,965 |
Noninterest expense to average assets | 2.9276% | 3,283 |
Loan and lease loss provision to assets | 0.1792% | 2,063 |
Net operating income to assets | 0.4182% | 5,086 |
Return on assets (ROA) | 0.4182% | 5,196 |
Pretax return on assets | 0.4182% | 5,449 |
Return on Equity (ROE) | 3.1982% | 5,432 |
Retained earnings to average equity (ytd only) | 3.1982% | 3,958 |
Net charge-offs to loans | 1.0287% | 553 |
Credit loss provision to net charge-offs | 43.7956% | 3,963 |
Earnings coverage of net charge-offs (x) | 1.4599% | 4,568 |
Efficiency ratio | 83.0508% | 1,746 |
Assets per employee ($millions) | 5.4727% | 1,677 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5311% | 797 |
Loan loss allowance to noncurrent loans | 64.2308% | 4,706 |
Noncurrent assets plus other real estate owned to assets | 2.7257% | 1,222 |
Noncurrent loans to loans | 3.9406% | 742 |
Net loans and leases to total assets | 39.1704% | 6,020 |
Net loans and leases to deposits | 45.9751% | 6,012 |
Net loans and leases to core deposits | 47.2555% | 6,078 |
Total domestic deposits to total assets | 85.1992% | 3,641 |
Equity capital to assets | 13.3177% | 1,133 |
Core capital (leverage) ratio | 13.3449% | 1,010 |
Tier 1 risk-based capital ratio | 23.9815% | 958 |
Total risk-based capital ratio | 25.2397% | 947 |
Memoranda: | ||
Average total assets | $33,474,800 | 6,445 |
Average earning assets | $30,885,000 | 6,429 |
Average equity | $4,377,400 | 6,241 |
Average total loans | $13,318,200 | 6,477 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3801% | 5,925 |
Cost of funding earning assets | 0.2702% | 5,961 |
Net interest margin | 3.1099% | 5,294 |
Noninterest income to average assets | 0.2775% | 5,460 |
Noninterest expense to average assets | 2.6639% | 4,151 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.4876% | 4,850 |
Return on assets (ROA) | 0.4876% | 5,007 |
Pretax return on assets | 0.4876% | 5,390 |
Return on Equity (ROE) | 3.7456% | 5,333 |
Retained earnings to average equity (ytd only) | 3.7456% | 4,024 |
Net charge-offs to loans | -0.0100% | 5,891 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.5283% | 1,533 |
Assets per employee ($millions) | 4.7201% | 2,544 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0492% | 520 |
Loan loss allowance to noncurrent loans | 38.8469% | 5,671 |
Noncurrent assets plus other real estate owned to assets | 3.2021% | 1,121 |
Noncurrent loans to loans | 7.8492% | 226 |
Net loans and leases to total assets | 39.5509% | 6,062 |
Net loans and leases to deposits | 46.3191% | 6,076 |
Net loans and leases to core deposits | 47.5962% | 6,141 |
Total domestic deposits to total assets | 85.3879% | 3,547 |
Equity capital to assets | 13.2472% | 1,220 |
Core capital (leverage) ratio | 13.0279% | 1,193 |
Tier 1 risk-based capital ratio | 22.7424% | 1,190 |
Total risk-based capital ratio | 24.0021% | 1,169 |
Memoranda: | ||
Average total assets | $33,634,500 | 6,516 |
Average earning assets | $31,083,000 | 6,489 |
Average equity | $4,378,500 | 6,318 |
Average total loans | $13,348,750 | 6,544 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3331% | 6,033 |
Cost of funding earning assets | 0.2949% | 5,870 |
Net interest margin | 3.0383% | 5,476 |
Noninterest income to average assets | 0.2956% | 5,337 |
Noninterest expense to average assets | 2.7843% | 3,726 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.3133% | 5,555 |
Return on assets (ROA) | 0.3133% | 5,704 |
Pretax return on assets | 0.3133% | 5,839 |
Return on Equity (ROE) | 2.4206% | 5,827 |
Retained earnings to average equity (ytd only) | 2.4206% | 4,760 |
Net charge-offs to loans | 0.1503% | 2,901 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 5.3000% | 2,918 |
Efficiency ratio | 89.8855% | 1,058 |
Assets per employee ($millions) | 4.7457% | 2,458 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8874% | 651 |
Loan loss allowance to noncurrent loans | 38.4837% | 5,696 |
Noncurrent assets plus other real estate owned to assets | 3.4828% | 1,108 |
Noncurrent loans to loans | 7.5029% | 295 |
Net loans and leases to total assets | 40.5990% | 6,006 |
Net loans and leases to deposits | 47.3677% | 6,025 |
Net loans and leases to core deposits | 48.6614% | 6,096 |
Total domestic deposits to total assets | 85.7104% | 3,521 |
Equity capital to assets | 12.9259% | 1,371 |
Core capital (leverage) ratio | 12.7741% | 1,255 |
Tier 1 risk-based capital ratio | 22.0227% | 1,276 |
Total risk-based capital ratio | 23.2830% | 1,254 |
Memoranda: | ||
Average total assets | $33,832,330 | 6,559 |
Average earning assets | $31,202,000 | 6,533 |
Average equity | $4,379,000 | 6,363 |
Average total loans | $13,305,330 | 6,591 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1760% | 6,323 |
Cost of funding earning assets | 0.3049% | 5,933 |
Net interest margin | 2.8711% | 5,867 |
Noninterest income to average assets | 0.2929% | 5,364 |
Noninterest expense to average assets | 2.6832% | 4,132 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.2578% | 5,701 |
Return on assets (ROA) | 0.2578% | 5,824 |
Pretax return on assets | 0.2578% | 5,937 |
Return on Equity (ROE) | 1.9903% | 5,944 |
Retained earnings to average equity (ytd only) | 1.9903% | 5,008 |
Net charge-offs to loans | 0.1844% | 2,299 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 3.6667% | 2,707 |
Efficiency ratio | 91.2351% | 1,050 |
Assets per employee ($millions) | 4.9303% | 2,310 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1975% | 548 |
Loan loss allowance to noncurrent loans | 38.8303% | 5,661 |
Noncurrent assets plus other real estate owned to assets | 3.3554% | 1,294 |
Noncurrent loans to loans | 8.2346% | 313 |
Net loans and leases to total assets | 35.5268% | 6,331 |
Net loans and leases to deposits | 41.3524% | 6,356 |
Net loans and leases to core deposits | 42.4329% | 6,384 |
Total domestic deposits to total assets | 85.9121% | 3,573 |
Equity capital to assets | 12.8129% | 1,523 |
Core capital (leverage) ratio | 12.5896% | 1,300 |
Tier 1 risk-based capital ratio | 25.0175% | 890 |
Total risk-based capital ratio | 26.2786% | 873 |
Memoranda: | ||
Average total assets | $34,138,500 | 6,611 |
Average earning assets | $31,486,000 | 6,587 |
Average equity | $4,421,500 | 6,411 |
Average total loans | $13,014,000 | 6,657 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2090% | 4,554 |
Cost of funding earning assets | 0.5562% | 4,758 |
Net interest margin | 3.6527% | 3,861 |
Noninterest income to average assets | 0.3760% | 4,783 |
Noninterest expense to average assets | 2.7479% | 4,225 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.9417% | 2,593 |
Return on assets (ROA) | 0.9417% | 2,841 |
Pretax return on assets | 0.9417% | 3,775 |
Return on Equity (ROE) | 7.3945% | 3,412 |
Retained earnings to average equity (ytd only) | 7.3945% | 1,376 |
Net charge-offs to loans | 0.1113% | 4,563 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 19.5333% | 1,380 |
Efficiency ratio | 74.4774% | 2,992 |
Assets per employee ($millions) | 4.8236% | 2,459 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0759% | 617 |
Loan loss allowance to noncurrent loans | 35.9580% | 5,820 |
Noncurrent assets plus other real estate owned to assets | 3.7258% | 1,193 |
Noncurrent loans to loans | 8.5541% | 323 |
Net loans and leases to total assets | 38.3563% | 6,276 |
Net loans and leases to deposits | 44.7930% | 6,323 |
Net loans and leases to core deposits | 45.5893% | 6,393 |
Total domestic deposits to total assets | 85.6301% | 3,539 |
Equity capital to assets | 13.0934% | 1,392 |
Core capital (leverage) ratio | 12.6120% | 1,278 |
Tier 1 risk-based capital ratio | 24.0629% | 958 |
Total risk-based capital ratio | 25.3237% | 943 |
Memoranda: | ||
Average total assets | $31,115,000 | 6,733 |
Average earning assets | $28,225,400 | 6,710 |
Average equity | $3,962,400 | 6,576 |
Average total loans | $13,480,200 | 6,715 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3807% | 4,132 |
Cost of funding earning assets | 0.6016% | 4,633 |
Net interest margin | 3.7791% | 3,427 |
Noninterest income to average assets | 0.3853% | 4,746 |
Noninterest expense to average assets | 2.5701% | 4,846 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.2259% | 1,648 |
Return on assets (ROA) | 1.2259% | 1,823 |
Pretax return on assets | 1.2259% | 2,884 |
Return on Equity (ROE) | 9.7023% | 2,499 |
Retained earnings to average equity (ytd only) | 9.7023% | 999 |
Net charge-offs to loans | 0.1579% | 3,856 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 17.5021% | 1,624 |
Efficiency ratio | 67.7047% | 4,128 |
Assets per employee ($millions) | 4.1524% | 3,564 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9229% | 783 |
Loan loss allowance to noncurrent loans | 27.7966% | 6,227 |
Noncurrent assets plus other real estate owned to assets | 4.4402% | 1,048 |
Noncurrent loans to loans | 10.5154% | 222 |
Net loans and leases to total assets | 40.9916% | 6,203 |
Net loans and leases to deposits | 47.9590% | 6,262 |
Net loans and leases to core deposits | 50.0386% | 6,281 |
Total domestic deposits to total assets | 85.4722% | 3,525 |
Equity capital to assets | 13.2665% | 1,465 |
Core capital (leverage) ratio | 12.5326% | 1,396 |
Tier 1 risk-based capital ratio | 23.4202% | 1,109 |
Total risk-based capital ratio | 24.6840% | 1,086 |
Memoranda: | ||
Average total assets | $30,452,500 | 6,832 |
Average earning assets | $27,483,500 | 6,815 |
Average equity | $3,847,750 | 6,682 |
Average total loans | $13,509,750 | 6,804 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6834% | 2,990 |
Cost of funding earning assets | 0.6119% | 4,793 |
Net interest margin | 4.0715% | 2,199 |
Noninterest income to average assets | 0.4470% | 4,316 |
Noninterest expense to average assets | 2.7565% | 4,193 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.3410% | 1,327 |
Return on assets (ROA) | 1.3410% | 1,484 |
Pretax return on assets | 1.3410% | 2,418 |
Return on Equity (ROE) | 10.8157% | 2,058 |
Retained earnings to average equity (ytd only) | 10.8157% | 779 |
Net charge-offs to loans | 0.2699% | 2,964 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 11.0000% | 2,002 |
Efficiency ratio | 67.2727% | 4,276 |
Assets per employee ($millions) | 4.8229% | 2,401 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6292% | 1,121 |
Loan loss allowance to noncurrent loans | 38.6364% | 5,729 |
Noncurrent assets plus other real estate owned to assets | 3.1280% | 1,744 |
Noncurrent loans to loans | 6.8050% | 585 |
Net loans and leases to total assets | 44.7571% | 5,943 |
Net loans and leases to deposits | 52.0568% | 6,022 |
Net loans and leases to core deposits | 54.2647% | 6,075 |
Total domestic deposits to total assets | 85.9775% | 3,361 |
Equity capital to assets | 12.8081% | 1,619 |
Core capital (leverage) ratio | 12.2756% | 1,458 |
Tier 1 risk-based capital ratio | 20.0970% | 1,685 |
Total risk-based capital ratio | 21.3582% | 1,652 |
Memoranda: | ||
Average total assets | $29,530,330 | 6,902 |
Average earning assets | $26,476,670 | 6,890 |
Average equity | $3,661,330 | 6,767 |
Average total loans | $13,337,330 | 6,865 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1446% | 1,448 |
Cost of funding earning assets | 0.7604% | 3,784 |
Net interest margin | 4.3842% | 1,263 |
Noninterest income to average assets | 0.4523% | 4,278 |
Noninterest expense to average assets | 3.2099% | 2,570 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.1964% | 1,750 |
Return on assets (ROA) | 1.1964% | 1,931 |
Pretax return on assets | 1.1964% | 2,924 |
Return on Equity (ROE) | 9.8498% | 2,453 |
Retained earnings to average equity (ytd only) | 9.8498% | 1,306 |
Net charge-offs to loans | -0.2286% | 7,019 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.8477% | 3,283 |
Assets per employee ($millions) | 4.7243% | 2,630 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7130% | 1,100 |
Loan loss allowance to noncurrent loans | 62.8986% | 4,367 |
Noncurrent assets plus other real estate owned to assets | 2.0865% | 2,792 |
Noncurrent loans to loans | 4.3133% | 1,386 |
Net loans and leases to total assets | 47.0608% | 5,679 |
Net loans and leases to deposits | 54.7338% | 5,728 |
Net loans and leases to core deposits | 57.1056% | 5,807 |
Total domestic deposits to total assets | 85.9813% | 3,536 |
Equity capital to assets | 12.8092% | 1,539 |
Core capital (leverage) ratio | 12.4992% | 1,345 |
Tier 1 risk-based capital ratio | 21.3758% | 1,401 |
Total risk-based capital ratio | 22.6366% | 1,375 |
Memoranda: | ||
Average total assets | $27,415,500 | 7,019 |
Average earning assets | $24,725,000 | 6,991 |
Average equity | $3,330,000 | 6,891 |
Average total loans | $12,247,000 | 6,971 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9375% | 6,561 |
Cost of funding earning assets | 0.6404% | 5,869 |
Net interest margin | 3.2971% | 5,817 |
Noninterest income to average assets | 0.4767% | 4,017 |
Noninterest expense to average assets | 3.1967% | 2,880 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.1916% | 5,614 |
Return on assets (ROA) | 0.1916% | 5,743 |
Pretax return on assets | 0.1916% | 5,806 |
Return on Equity (ROE) | 1.7475% | 5,753 |
Retained earnings to average equity (ytd only) | 1.7475% | 4,974 |
Net charge-offs to loans | -0.0904% | 7,125 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.3448% | 901 |
Assets per employee ($millions) | 4.3522% | 3,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2603% | 307 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 37.3834% | 6,672 |
Net loans and leases to deposits | 42.9106% | 6,766 |
Net loans and leases to core deposits | 44.6855% | 6,787 |
Total domestic deposits to total assets | 87.1192% | 2,697 |
Equity capital to assets | 11.1392% | 2,853 |
Core capital (leverage) ratio | 10.2708% | 3,003 |
Tier 1 risk-based capital ratio | 18.0759% | 2,167 |
Total risk-based capital ratio | 19.3458% | 2,136 |
Memoranda: | ||
Average total assets | $21,396,800 | 7,172 |
Average earning assets | $18,895,400 | 7,165 |
Average equity | $2,346,200 | 7,154 |
Average total loans | $8,851,000 | 7,150 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0966% | 6,423 |
Cost of funding earning assets | 0.6828% | 5,863 |
Net interest margin | 3.4138% | 5,529 |
Noninterest income to average assets | 0.4881% | 3,969 |
Noninterest expense to average assets | 3.3480% | 2,355 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.1440% | 5,850 |
Return on assets (ROA) | 0.1440% | 5,976 |
Pretax return on assets | 0.1440% | 6,014 |
Return on Equity (ROE) | 1.3181% | 5,994 |
Retained earnings to average equity (ytd only) | 1.3181% | 5,483 |
Net charge-offs to loans | -0.0895% | 7,147 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.8781% | 831 |
Assets per employee ($millions) | 4.2590% | 3,353 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6814% | 228 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 34.4212% | 6,934 |
Net loans and leases to deposits | 39.5874% | 6,986 |
Net loans and leases to core deposits | 42.4362% | 6,972 |
Total domestic deposits to total assets | 86.9500% | 2,688 |
Equity capital to assets | 11.3125% | 2,853 |
Core capital (leverage) ratio | 10.4907% | 2,879 |
Tier 1 risk-based capital ratio | 19.0753% | 1,908 |
Total risk-based capital ratio | 20.3487% | 1,878 |
Memoranda: | ||
Average total assets | $21,305,750 | 7,247 |
Average earning assets | $18,746,750 | 7,240 |
Average equity | $2,326,750 | 7,227 |
Average total loans | $8,939,500 | 7,218 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2317% | 6,214 |
Cost of funding earning assets | 0.6911% | 6,013 |
Net interest margin | 3.5406% | 4,968 |
Noninterest income to average assets | 0.4224% | 4,493 |
Noninterest expense to average assets | 3.4257% | 2,194 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.1220% | 5,957 |
Return on assets (ROA) | 0.1220% | 6,047 |
Pretax return on assets | 0.1220% | 6,066 |
Return on Equity (ROE) | 1.1308% | 6,051 |
Retained earnings to average equity (ytd only) | 1.1308% | 5,409 |
Net charge-offs to loans | -0.0641% | 7,072 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.5608% | 851 |
Assets per employee ($millions) | 4.3014% | 3,166 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1541% | 372 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 38.2992% | 6,845 |
Net loans and leases to deposits | 43.8582% | 6,925 |
Net loans and leases to core deposits | 46.2961% | 6,920 |
Total domestic deposits to total assets | 87.3251% | 2,557 |
Equity capital to assets | 10.9639% | 3,000 |
Core capital (leverage) ratio | 10.4841% | 2,726 |
Tier 1 risk-based capital ratio | 16.3973% | 2,792 |
Total risk-based capital ratio | 17.6666% | 2,742 |
Memoranda: | ||
Average total assets | $21,309,330 | 7,314 |
Average earning assets | $18,810,330 | 7,310 |
Average equity | $2,299,330 | 7,294 |
Average total loans | $9,356,000 | 7,274 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1061% | 6,488 |
Cost of funding earning assets | 0.6916% | 6,181 |
Net interest margin | 3.4146% | 5,374 |
Noninterest income to average assets | 0.5092% | 3,808 |
Noninterest expense to average assets | 3.8472% | 1,255 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | -0.3583% | 6,712 |
Return on assets (ROA) | -0.3583% | 6,717 |
Pretax return on assets | -0.3583% | 6,657 |
Return on Equity (ROE) | -3.3480% | 6,696 |
Retained earnings to average equity (ytd only) | -3.3480% | 6,340 |
Net charge-offs to loans | -0.0411% | 6,828 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 104.3243% | 617 |
Assets per employee ($millions) | 4.2672% | 3,305 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7095% | 525 |
Loan loss allowance to noncurrent loans | 241.4966% | 1,243 |
Noncurrent assets plus other real estate owned to assets | 0.6890% | 5,567 |
Noncurrent loans to loans | 1.5361% | 4,164 |
Net loans and leases to total assets | 43.1899% | 6,530 |
Net loans and leases to deposits | 49.2807% | 6,667 |
Net loans and leases to core deposits | 52.0269% | 6,675 |
Total domestic deposits to total assets | 87.6406% | 2,585 |
Equity capital to assets | 10.7190% | 2,966 |
Core capital (leverage) ratio | 10.3430% | 2,765 |
Tier 1 risk-based capital ratio | 16.3159% | 2,746 |
Total risk-based capital ratio | 17.5847% | 2,705 |
Memoranda: | ||
Average total assets | $21,210,500 | 7,379 |
Average earning assets | $18,509,000 | 7,374 |
Average equity | $2,270,000 | 7,351 |
Average total loans | $9,737,000 | 7,325 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6977% | 5,813 |
Cost of funding earning assets | 0.9024% | 6,169 |
Net interest margin | 3.7954% | 3,968 |
Noninterest income to average assets | 0.6726% | 3,004 |
Noninterest expense to average assets | 3.6079% | 1,903 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.3987% | 4,543 |
Return on assets (ROA) | 0.3987% | 4,686 |
Pretax return on assets | 0.3987% | 4,948 |
Return on Equity (ROE) | 3.5229% | 4,740 |
Retained earnings to average equity (ytd only) | -17.6995% | 6,962 |
Net charge-offs to loans | -0.1471% | 7,526 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6523% | 1,840 |
Assets per employee ($millions) | 4.2170% | 3,356 |
Cash dividends to net income (ytd only)* | 602.4096% | 33 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5642% | 571 |
Loan loss allowance to noncurrent loans | 240.1361% | 1,273 |
Noncurrent assets plus other real estate owned to assets | 0.6972% | 5,609 |
Noncurrent loans to loans | 1.4842% | 4,254 |
Net loans and leases to total assets | 45.2976% | 6,614 |
Net loans and leases to deposits | 51.6577% | 6,768 |
Net loans and leases to core deposits | 55.3777% | 6,728 |
Total domestic deposits to total assets | 87.6879% | 2,427 |
Equity capital to assets | 10.6853% | 2,972 |
Core capital (leverage) ratio | 10.3942% | 2,676 |
Tier 1 risk-based capital ratio | 16.0533% | 2,726 |
Total risk-based capital ratio | 17.3191% | 2,679 |
Memoranda: | ||
Average total assets | $20,815,400 | 7,448 |
Average earning assets | $18,285,400 | 7,441 |
Average equity | $2,356,000 | 7,436 |
Average total loans | $10,199,400 | 7,385 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7738% | 5,765 |
Cost of funding earning assets | 0.9418% | 6,216 |
Net interest margin | 3.8320% | 3,831 |
Noninterest income to average assets | 0.7005% | 2,811 |
Noninterest expense to average assets | 3.5280% | 1,972 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.5976% | 3,887 |
Return on assets (ROA) | 0.5976% | 4,042 |
Pretax return on assets | 0.5976% | 4,602 |
Return on Equity (ROE) | 5.2063% | 4,197 |
Retained earnings to average equity (ytd only) | -22.7837% | 7,261 |
Net charge-offs to loans | -0.2207% | 7,629 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.7508% | 2,378 |
Assets per employee ($millions) | 4.1950% | 3,454 |
Cash dividends to net income (ytd only)* | 537.6210% | 18 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5786% | 512 |
Loan loss allowance to noncurrent loans | 211.9048% | 1,376 |
Noncurrent assets plus other real estate owned to assets | 0.8010% | 5,496 |
Noncurrent loans to loans | 1.6888% | 4,105 |
Net loans and leases to total assets | 45.7306% | 6,718 |
Net loans and leases to deposits | 52.4784% | 6,866 |
Net loans and leases to core deposits | 56.3208% | 6,839 |
Total domestic deposits to total assets | 87.1418% | 2,453 |
Equity capital to assets | 11.2944% | 2,709 |
Core capital (leverage) ratio | 10.7162% | 2,497 |
Tier 1 risk-based capital ratio | 15.5164% | 2,989 |
Total risk-based capital ratio | 16.7835% | 2,948 |
Memoranda: | ||
Average total assets | $20,748,000 | 7,543 |
Average earning assets | $18,545,000 | 7,533 |
Average equity | $2,381,750 | 7,523 |
Average total loans | $10,273,250 | 7,480 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8809% | 5,483 |
Cost of funding earning assets | 1.0020% | 6,130 |
Net interest margin | 3.8788% | 3,542 |
Noninterest income to average assets | 0.7159% | 2,614 |
Noninterest expense to average assets | 3.6280% | 1,712 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.5708% | 3,989 |
Return on assets (ROA) | 0.5708% | 4,138 |
Pretax return on assets | 0.5708% | 4,666 |
Return on Equity (ROE) | 4.9455% | 4,311 |
Retained earnings to average equity (ytd only) | -36.9656% | 7,499 |
Net charge-offs to loans | -0.3082% | 7,692 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.3364% | 2,252 |
Assets per employee ($millions) | 4.0486% | 3,677 |
Cash dividends to net income (ytd only)* | 847.4576% | 21 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4869% | 548 |
Loan loss allowance to noncurrent loans | 806.8182% | 420 |
Noncurrent assets plus other real estate owned to assets | 0.2174% | 6,853 |
Noncurrent loans to loans | 0.4322% | 6,374 |
Net loans and leases to total assets | 48.5402% | 6,586 |
Net loans and leases to deposits | 55.6399% | 6,757 |
Net loans and leases to core deposits | 61.4432% | 6,598 |
Total domestic deposits to total assets | 87.2400% | 2,412 |
Equity capital to assets | 11.1594% | 2,720 |
Core capital (leverage) ratio | 10.1791% | 2,961 |
Tier 1 risk-based capital ratio | 15.0758% | 3,121 |
Total risk-based capital ratio | 16.3391% | 3,074 |
Memoranda: | ||
Average total assets | $20,672,330 | 7,610 |
Average earning assets | $18,562,330 | 7,598 |
Average equity | $2,386,000 | 7,578 |
Average total loans | $10,381,670 | 7,532 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6731% | 6,337 |
Cost of funding earning assets | 1.0735% | 6,022 |
Net interest margin | 3.5995% | 4,732 |
Noninterest income to average assets | 0.7469% | 2,318 |
Noninterest expense to average assets | 4.1748% | 835 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | -0.1532% | 6,486 |
Return on assets (ROA) | -0.1532% | 6,561 |
Pretax return on assets | -0.1532% | 6,510 |
Return on Equity (ROE) | -1.3064% | 6,560 |
Retained earnings to average equity (ytd only) | -82.9557% | 7,797 |
Net charge-offs to loans | -0.5342% | 7,805 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.5714% | 896 |
Assets per employee ($millions) | 4.3154% | 3,263 |
Cash dividends to net income (ytd only)* | -6,250.0000% | 7,924 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5258% | 537 |
Loan loss allowance to noncurrent loans | 630.3571% | 513 |
Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,820 |
Noncurrent loans to loans | 0.5593% | 6,179 |
Net loans and leases to total assets | 44.7653% | 6,920 |
Net loans and leases to deposits | 50.6210% | 7,099 |
Net loans and leases to core deposits | 57.7830% | 6,895 |
Total domestic deposits to total assets | 88.4321% | 1,837 |
Equity capital to assets | 10.1312% | 3,699 |
Core capital (leverage) ratio | 9.5346% | 3,714 |
Tier 1 risk-based capital ratio | 14.4594% | 3,407 |
Total risk-based capital ratio | 15.7244% | 3,361 |
Memoranda: | ||
Average total assets | $20,887,000 | 7,704 |
Average earning assets | $19,002,500 | 7,680 |
Average equity | $2,449,500 | 7,653 |
Average total loans | $10,482,000 | 7,628 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2359% | 5,482 |
Cost of funding earning assets | 1.4423% | 5,753 |
Net interest margin | 3.7936% | 3,737 |
Noninterest income to average assets | 0.6486% | 3,306 |
Noninterest expense to average assets | 3.7910% | 1,714 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 0.3654% | 4,271 |
Return on assets (ROA) | 0.3654% | 4,368 |
Pretax return on assets | 0.3654% | 4,593 |
Return on Equity (ROE) | 2.9505% | 4,520 |
Retained earnings to average equity (ytd only) | 2.9505% | 3,104 |
Net charge-offs to loans | 0.0158% | 6,999 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 40.0000% | 601 |
Efficiency ratio | 86.2637% | 2,080 |
Assets per employee ($millions) | 4.0394% | 3,734 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0953% | 717 |
Loan loss allowance to noncurrent loans | 273.3871% | 1,122 |
Noncurrent assets plus other real estate owned to assets | 0.6140% | 5,913 |
Noncurrent loans to loans | 1.1322% | 5,068 |
Net loans and leases to total assets | 52.5474% | 6,358 |
Net loans and leases to deposits | 61.8437% | 6,485 |
Net loans and leases to core deposits | 75.5105% | 6,434 |
Total domestic deposits to total assets | 84.9681% | 3,560 |
Equity capital to assets | 13.4327% | 1,354 |
Core capital (leverage) ratio | 12.2986% | 1,527 |
Tier 1 risk-based capital ratio | 17.3710% | 2,061 |
Total risk-based capital ratio | 18.6306% | 2,019 |
Memoranda: | ||
Average total assets | $21,894,200 | 7,725 |
Average earning assets | $20,244,800 | 7,708 |
Average equity | $2,711,400 | 7,674 |
Average total loans | $12,633,600 | 7,572 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3544% | 5,153 |
Cost of funding earning assets | 1.4738% | 5,939 |
Net interest margin | 3.8806% | 3,305 |
Noninterest income to average assets | 0.6452% | 3,378 |
Noninterest expense to average assets | 2.9929% | 4,071 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.2545% | 1,331 |
Return on assets (ROA) | 1.2545% | 1,395 |
Pretax return on assets | 1.2545% | 2,093 |
Return on Equity (ROE) | 10.3279% | 1,809 |
Retained earnings to average equity (ytd only) | 10.3279% | 576 |
Net charge-offs to loans | 0.0306% | 6,463 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 69.9975% | 481 |
Efficiency ratio | 65.8228% | 5,399 |
Assets per employee ($millions) | 4.3536% | 3,116 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5729% | 994 |
Loan loss allowance to noncurrent loans | 239.0071% | 1,244 |
Noncurrent assets plus other real estate owned to assets | 0.6477% | 5,837 |
Noncurrent loans to loans | 1.0765% | 5,156 |
Net loans and leases to total assets | 58.6227% | 5,788 |
Net loans and leases to deposits | 68.6075% | 6,074 |
Net loans and leases to core deposits | 86.5153% | 5,818 |
Total domestic deposits to total assets | 85.4465% | 2,993 |
Equity capital to assets | 13.2534% | 1,596 |
Core capital (leverage) ratio | 12.3124% | 1,661 |
Tier 1 risk-based capital ratio | 15.9807% | 2,633 |
Total risk-based capital ratio | 17.2375% | 2,566 |
Memoranda: | ||
Average total assets | $22,318,500 | 7,794 |
Average earning assets | $20,717,750 | 7,761 |
Average equity | $2,711,000 | 7,747 |
Average total loans | $13,054,000 | 7,617 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3591% | 5,363 |
Cost of funding earning assets | 1.5284% | 6,023 |
Net interest margin | 3.8307% | 3,412 |
Noninterest income to average assets | 0.6044% | 3,652 |
Noninterest expense to average assets | 2.6931% | 5,412 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.4754% | 884 |
Return on assets (ROA) | 1.4754% | 947 |
Pretax return on assets | 1.4754% | 1,514 |
Return on Equity (ROE) | 12.5141% | 1,281 |
Retained earnings to average equity (ytd only) | 12.5141% | 377 |
Net charge-offs to loans | -0.0767% | 7,908 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.9147% | 6,567 |
Assets per employee ($millions) | 4.4150% | 2,904 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8068% | 677 |
Loan loss allowance to noncurrent loans | 2,471.4286% | 166 |
Noncurrent assets plus other real estate owned to assets | 0.0634% | 7,435 |
Noncurrent loans to loans | 0.1136% | 7,238 |
Net loans and leases to total assets | 54.2741% | 6,413 |
Net loans and leases to deposits | 62.8759% | 6,661 |
Net loans and leases to core deposits | 80.1190% | 6,398 |
Total domestic deposits to total assets | 86.3194% | 2,611 |
Equity capital to assets | 12.3715% | 1,993 |
Core capital (leverage) ratio | 11.7015% | 1,978 |
Tier 1 risk-based capital ratio | 16.4504% | 2,462 |
Total risk-based capital ratio | 17.7100% | 2,407 |
Memoranda: | ||
Average total assets | $22,502,000 | 7,866 |
Average earning assets | $20,936,330 | 7,831 |
Average equity | $2,653,000 | 7,837 |
Average total loans | $13,039,330 | 7,697 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3941% | 5,455 |
Cost of funding earning assets | 1.5954% | 6,048 |
Net interest margin | 3.7987% | 3,444 |
Noninterest income to average assets | 0.5635% | 3,807 |
Noninterest expense to average assets | 2.5357% | 5,709 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.5496% | 854 |
Return on assets (ROA) | 1.5496% | 930 |
Pretax return on assets | 1.5496% | 1,536 |
Return on Equity (ROE) | 13.4660% | 1,278 |
Retained earnings to average equity (ytd only) | 13.4660% | 571 |
Net charge-offs to loans | -0.0896% | 7,847 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.3276% | 6,782 |
Assets per employee ($millions) | 4.5322% | 2,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6277% | 667 |
Loan loss allowance to noncurrent loans | 476.3889% | 734 |
Noncurrent assets plus other real estate owned to assets | 0.3177% | 6,560 |
Noncurrent loans to loans | 0.5516% | 6,035 |
Net loans and leases to total assets | 56.0876% | 6,226 |
Net loans and leases to deposits | 64.4327% | 6,511 |
Net loans and leases to core deposits | 80.7907% | 6,327 |
Total domestic deposits to total assets | 87.0482% | 2,193 |
Equity capital to assets | 11.7206% | 2,431 |
Core capital (leverage) ratio | 11.2924% | 2,284 |
Tier 1 risk-based capital ratio | 15.6039% | 2,814 |
Total risk-based capital ratio | 16.8633% | 2,748 |
Memoranda: | ||
Average total assets | $22,715,500 | 7,906 |
Average earning assets | $21,060,000 | 7,872 |
Average equity | $2,614,000 | 7,901 |
Average total loans | $13,395,500 | 7,729 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6200% | 2,386 |
Cost of funding earning assets | 1.9970% | 6,426 |
Net interest margin | 4.6230% | 1,119 |
Noninterest income to average assets | 0.6591% | 3,408 |
Noninterest expense to average assets | 4.0685% | 1,325 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.8001% | 3,435 |
Return on assets (ROA) | 0.8001% | 3,270 |
Pretax return on assets | 0.8001% | 4,070 |
Return on Equity (ROE) | 6.9009% | 3,583 |
Retained earnings to average equity (ytd only) | 6.9009% | 1,190 |
Net charge-offs to loans | -0.1053% | 8,098 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.3651% | 2,694 |
Assets per employee ($millions) | 4.5540% | 2,529 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4822% | 694 |
Loan loss allowance to noncurrent loans | 921.6216% | 517 |
Noncurrent assets plus other real estate owned to assets | 0.1625% | 6,919 |
Noncurrent loans to loans | 0.2693% | 6,566 |
Net loans and leases to total assets | 58.8362% | 6,083 |
Net loans and leases to deposits | 67.3081% | 6,525 |
Net loans and leases to core deposits | 84.0148% | 6,291 |
Total domestic deposits to total assets | 87.4133% | 1,747 |
Equity capital to assets | 11.2956% | 2,807 |
Core capital (leverage) ratio | 10.9648% | 2,616 |
Tier 1 risk-based capital ratio | 14.5325% | 3,276 |
Total risk-based capital ratio | 15.7892% | 3,198 |
Memoranda: | ||
Average total assets | $21,998,200 | 7,945 |
Average earning assets | $20,030,200 | 7,939 |
Average equity | $2,550,400 | 7,966 |
Average total loans | $13,297,800 | 7,753 |