Home > County Bank > Performance and Condition Ratios
County Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9588% | 1,236 |
Cost of funding earning assets | 1.1718% | 3,779 |
Net interest margin | 4.7870% | 418 |
Noninterest income to average assets | 1.7400% | 302 |
Noninterest expense to average assets | 2.5963% | 2,026 |
Loan and lease loss provision to assets | 0.1000% | 1,293 |
Net operating income to assets | 2.5952% | 193 |
Return on assets (ROA) | 2.4790% | 220 |
Pretax return on assets | 3.3243% | 144 |
Return on Equity (ROE) | 22.0800% | 311 |
Retained earnings to average equity (ytd only) | 18.7138% | 210 |
Net charge-offs to loans | 0.0264% | 1,462 |
Credit loss provision to net charge-offs | 633.3333% | 457 |
Earnings coverage of net charge-offs (x) | 187.9667% | 442 |
Efficiency ratio | 42.0631% | 4,233 |
Assets per employee ($millions) | 7.2183% | 2,070 |
Cash dividends to net income (ytd only)* | 15.2469% | 2,090 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9047% | 3,596 |
Loan loss allowance to noncurrent loans | 2,854.7297% | 301 |
Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,573 |
Noncurrent loans to loans | 0.0317% | 3,541 |
Net loans and leases to total assets | 70.4500% | 1,789 |
Net loans and leases to deposits | 86.3712% | 1,460 |
Net loans and leases to core deposits | 92.0969% | 1,905 |
Total domestic deposits to total assets | 81.5700% | 3,385 |
Equity capital to assets | 11.1367% | 1,594 |
Core capital (leverage) ratio | 13.1263% | 1,045 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.0101% | 1,063 |
Memoranda: | ||
Average total assets | $630,745,000 | 1,494 |
Average earning assets | $583,742,000 | 1,492 |
Average equity | $70,814,000 | 1,345 |
Average total loans | $455,144,500 | 1,413 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6482% | 1,848 |
Cost of funding earning assets | 1.0614% | 3,973 |
Net interest margin | 4.5868% | 572 |
Noninterest income to average assets | 1.1900% | 459 |
Noninterest expense to average assets | 2.6041% | 2,011 |
Loan and lease loss provision to assets | 0.1100% | 1,276 |
Net operating income to assets | 2.0754% | 348 |
Return on assets (ROA) | 2.0724% | 353 |
Pretax return on assets | 2.7188% | 241 |
Return on Equity (ROE) | 19.7300% | 422 |
Retained earnings to average equity (ytd only) | 16.0862% | 107 |
Net charge-offs to loans | 0.1221% | 1,031 |
Credit loss provision to net charge-offs | 132.7586% | 1,535 |
Earnings coverage of net charge-offs (x) | 32.4885% | 1,482 |
Efficiency ratio | 47.9370% | 4,092 |
Assets per employee ($millions) | 6.6442% | 2,412 |
Cash dividends to net income (ytd only)* | 18.4518% | 3,003 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9170% | 3,585 |
Loan loss allowance to noncurrent loans | 2,063.4518% | 436 |
Noncurrent assets plus other real estate owned to assets | 0.0326% | 3,451 |
Noncurrent loans to loans | 0.0444% | 3,431 |
Net loans and leases to total assets | 72.6400% | 1,601 |
Net loans and leases to deposits | 84.7513% | 1,709 |
Net loans and leases to core deposits | 90.2452% | 2,093 |
Total domestic deposits to total assets | 85.7100% | 2,312 |
Equity capital to assets | 11.3252% | 1,448 |
Core capital (leverage) ratio | 13.1682% | 1,008 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.0742% | 1,045 |
Memoranda: | ||
Average total assets | $599,637,200 | 1,539 |
Average earning assets | $555,098,200 | 1,534 |
Average equity | $62,998,200 | 1,432 |
Average total loans | $427,358,600 | 1,464 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5273% | 2,027 |
Cost of funding earning assets | 1.0401% | 4,004 |
Net interest margin | 4.4872% | 649 |
Noninterest income to average assets | 1.0000% | 593 |
Noninterest expense to average assets | 2.5748% | 2,018 |
Loan and lease loss provision to assets | 0.1100% | 1,157 |
Net operating income to assets | 1.8469% | 551 |
Return on assets (ROA) | 1.8429% | 555 |
Pretax return on assets | 2.4617% | 340 |
Return on Equity (ROE) | 17.8900% | 598 |
Retained earnings to average equity (ytd only) | 14.6161% | 256 |
Net charge-offs to loans | 0.1206% | 869 |
Credit loss provision to net charge-offs | 165.0131% | 1,216 |
Earnings coverage of net charge-offs (x) | 30.2507% | 1,512 |
Efficiency ratio | 49.9352% | 3,995 |
Assets per employee ($millions) | 6.6420% | 2,406 |
Cash dividends to net income (ytd only)* | 18.3170% | 2,599 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9692% | 3,389 |
Loan loss allowance to noncurrent loans | 1,229.3769% | 615 |
Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,340 |
Noncurrent loans to loans | 0.0788% | 3,292 |
Net loans and leases to total assets | 70.0300% | 1,847 |
Net loans and leases to deposits | 81.3427% | 2,049 |
Net loans and leases to core deposits | 86.4349% | 2,391 |
Total domestic deposits to total assets | 86.1000% | 1,893 |
Equity capital to assets | 11.1627% | 1,649 |
Core capital (leverage) ratio | 12.6551% | 1,219 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.1169% | 1,070 |
Memoranda: | ||
Average total assets | $598,390,500 | 1,528 |
Average earning assets | $553,772,500 | 1,536 |
Average equity | $61,629,000 | 1,448 |
Average total loans | $423,379,500 | 1,468 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3919% | 2,154 |
Cost of funding earning assets | 1.0146% | 4,002 |
Net interest margin | 4.3773% | 722 |
Noninterest income to average assets | 0.8600% | 774 |
Noninterest expense to average assets | 2.5477% | 2,103 |
Loan and lease loss provision to assets | 0.0600% | 1,720 |
Net operating income to assets | 1.7204% | 654 |
Return on assets (ROA) | 1.7143% | 664 |
Pretax return on assets | 2.2861% | 424 |
Return on Equity (ROE) | 17.1300% | 701 |
Retained earnings to average equity (ytd only) | 13.7462% | 380 |
Net charge-offs to loans | 0.1270% | 753 |
Credit loss provision to net charge-offs | 100.0000% | 1,486 |
Earnings coverage of net charge-offs (x) | 26.2090% | 1,469 |
Efficiency ratio | 51.9595% | 3,901 |
Assets per employee ($millions) | 6.6998% | 2,264 |
Cash dividends to net income (ytd only)* | 19.7574% | 2,519 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9153% | 3,646 |
Loan loss allowance to noncurrent loans | 2,212.5000% | 429 |
Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,516 |
Noncurrent loans to loans | 0.0414% | 3,479 |
Net loans and leases to total assets | 69.9100% | 1,911 |
Net loans and leases to deposits | 81.7065% | 2,052 |
Net loans and leases to core deposits | 86.5726% | 2,371 |
Total domestic deposits to total assets | 85.5600% | 2,129 |
Equity capital to assets | 10.2450% | 1,945 |
Core capital (leverage) ratio | 12.5000% | 1,247 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4366% | 1,177 |
Memoranda: | ||
Average total assets | $596,379,000 | 1,531 |
Average earning assets | $551,533,000 | 1,534 |
Average equity | $59,682,000 | 1,475 |
Average total loans | $422,022,000 | 1,472 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3101% | 2,173 |
Cost of funding earning assets | 0.9346% | 4,059 |
Net interest margin | 4.3755% | 691 |
Noninterest income to average assets | 0.7700% | 891 |
Noninterest expense to average assets | 2.5069% | 2,231 |
Loan and lease loss provision to assets | 0.1400% | 749 |
Net operating income to assets | 1.6330% | 738 |
Return on assets (ROA) | 1.6207% | 759 |
Pretax return on assets | 2.1549% | 516 |
Return on Equity (ROE) | 16.3900% | 790 |
Retained earnings to average equity (ytd only) | 12.9479% | 614 |
Net charge-offs to loans | 0.1437% | 573 |
Credit loss provision to net charge-offs | 139.7351% | 971 |
Earnings coverage of net charge-offs (x) | 22.7086% | 1,293 |
Efficiency ratio | 52.0151% | 3,902 |
Assets per employee ($millions) | 6.7218% | 2,267 |
Cash dividends to net income (ytd only)* | 21.0154% | 1,983 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9288% | 3,606 |
Loan loss allowance to noncurrent loans | 1,594.3548% | 579 |
Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,409 |
Noncurrent loans to loans | 0.0583% | 3,341 |
Net loans and leases to total assets | 71.3000% | 1,645 |
Net loans and leases to deposits | 84.8216% | 1,646 |
Net loans and leases to core deposits | 89.2295% | 2,091 |
Total domestic deposits to total assets | 84.0600% | 2,701 |
Equity capital to assets | 9.9789% | 2,030 |
Core capital (leverage) ratio | 12.2378% | 1,325 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8432% | 1,316 |
Memoranda: | ||
Average total assets | $593,076,500 | 1,538 |
Average earning assets | $548,233,500 | 1,547 |
Average equity | $58,635,000 | 1,484 |
Average total loans | $420,308,500 | 1,474 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9142% | 2,245 |
Cost of funding earning assets | 0.5683% | 4,117 |
Net interest margin | 4.3459% | 752 |
Noninterest income to average assets | 0.7900% | 968 |
Noninterest expense to average assets | 2.4000% | 2,594 |
Loan and lease loss provision to assets | 0.1900% | 662 |
Net operating income to assets | 1.7329% | 688 |
Return on assets (ROA) | 1.7060% | 693 |
Pretax return on assets | 2.1788% | 505 |
Return on Equity (ROE) | 19.4200% | 667 |
Retained earnings to average equity (ytd only) | 15.5238% | 293 |
Net charge-offs to loans | 0.2167% | 501 |
Credit loss provision to net charge-offs | 129.5612% | 1,603 |
Earnings coverage of net charge-offs (x) | 16.4734% | 2,004 |
Efficiency ratio | 49.9825% | 3,983 |
Assets per employee ($millions) | 6.6813% | 2,283 |
Cash dividends to net income (ytd only)* | 20.0710% | 2,938 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9388% | 3,568 |
Loan loss allowance to noncurrent loans | 1,052.7027% | 872 |
Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,156 |
Noncurrent loans to loans | 0.0892% | 3,098 |
Net loans and leases to total assets | 69.1200% | 1,906 |
Net loans and leases to deposits | 82.0028% | 1,945 |
Net loans and leases to core deposits | 85.2676% | 2,355 |
Total domestic deposits to total assets | 84.2900% | 2,540 |
Equity capital to assets | 9.7948% | 2,131 |
Core capital (leverage) ratio | 12.1139% | 1,365 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.5480% | 1,386 |
Memoranda: | ||
Average total assets | $594,004,800 | 1,494 |
Average earning assets | $547,801,600 | 1,498 |
Average equity | $52,177,800 | 1,551 |
Average total loans | $399,547,600 | 1,471 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8521% | 2,158 |
Cost of funding earning assets | 0.5245% | 4,097 |
Net interest margin | 4.3276% | 775 |
Noninterest income to average assets | 0.7700% | 1,012 |
Noninterest expense to average assets | 2.3853% | 2,557 |
Loan and lease loss provision to assets | 0.1700% | 682 |
Net operating income to assets | 1.6658% | 841 |
Return on assets (ROA) | 1.6756% | 822 |
Pretax return on assets | 2.2129% | 550 |
Return on Equity (ROE) | 19.6400% | 760 |
Retained earnings to average equity (ytd only) | 15.7986% | 480 |
Net charge-offs to loans | 0.1958% | 449 |
Credit loss provision to net charge-offs | 131.8417% | 1,408 |
Earnings coverage of net charge-offs (x) | 18.1876% | 1,873 |
Efficiency ratio | 50.1345% | 3,903 |
Assets per employee ($millions) | 6.7488% | 2,139 |
Cash dividends to net income (ytd only)* | 19.5632% | 2,478 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9459% | 3,574 |
Loan loss allowance to noncurrent loans | 953.3666% | 899 |
Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,145 |
Noncurrent loans to loans | 0.0992% | 3,082 |
Net loans and leases to total assets | 68.9700% | 1,950 |
Net loans and leases to deposits | 80.1386% | 2,037 |
Net loans and leases to core deposits | 83.0308% | 2,393 |
Total domestic deposits to total assets | 86.0700% | 2,168 |
Equity capital to assets | 8.8304% | 2,519 |
Core capital (leverage) ratio | 11.4910% | 1,679 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1924% | 1,508 |
Memoranda: | ||
Average total assets | $593,848,000 | 1,497 |
Average earning assets | $547,291,500 | 1,501 |
Average equity | $50,661,500 | 1,581 |
Average total loans | $395,707,500 | 1,476 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7502% | 2,104 |
Cost of funding earning assets | 0.4441% | 4,091 |
Net interest margin | 4.3062% | 799 |
Noninterest income to average assets | 0.6900% | 1,151 |
Noninterest expense to average assets | 2.4017% | 2,478 |
Loan and lease loss provision to assets | 0.1400% | 795 |
Net operating income to assets | 1.6003% | 953 |
Return on assets (ROA) | 1.6148% | 928 |
Pretax return on assets | 2.1279% | 593 |
Return on Equity (ROE) | 19.1500% | 814 |
Retained earnings to average equity (ytd only) | 15.8526% | 489 |
Net charge-offs to loans | 0.2046% | 390 |
Credit loss provision to net charge-offs | 104.2289% | 1,412 |
Earnings coverage of net charge-offs (x) | 16.7413% | 1,820 |
Efficiency ratio | 51.6349% | 3,802 |
Assets per employee ($millions) | 6.6703% | 2,155 |
Cash dividends to net income (ytd only)* | 17.2014% | 2,534 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9153% | 3,732 |
Loan loss allowance to noncurrent loans | 1,617.2566% | 680 |
Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,403 |
Noncurrent loans to loans | 0.0566% | 3,292 |
Net loans and leases to total assets | 66.6500% | 2,091 |
Net loans and leases to deposits | 77.9816% | 2,134 |
Net loans and leases to core deposits | 80.2792% | 2,448 |
Total domestic deposits to total assets | 85.4700% | 2,401 |
Equity capital to assets | 8.7689% | 2,679 |
Core capital (leverage) ratio | 11.1046% | 1,858 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6617% | 1,667 |
Memoranda: | ||
Average total assets | $598,332,333 | 1,475 |
Average earning assets | $550,838,667 | 1,494 |
Average equity | $50,465,000 | 1,591 |
Average total loans | $392,895,000 | 1,472 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6159% | 2,045 |
Cost of funding earning assets | 0.2762% | 4,240 |
Net interest margin | 4.3397% | 758 |
Noninterest income to average assets | 0.6500% | 1,252 |
Noninterest expense to average assets | 2.3980% | 2,539 |
Loan and lease loss provision to assets | 0.0900% | 1,196 |
Net operating income to assets | 1.6448% | 917 |
Return on assets (ROA) | 1.6448% | 916 |
Pretax return on assets | 2.1656% | 598 |
Return on Equity (ROE) | 19.8900% | 783 |
Retained earnings to average equity (ytd only) | 16.5496% | 636 |
Net charge-offs to loans | 0.2443% | 313 |
Credit loss provision to net charge-offs | 56.7227% | 1,287 |
Earnings coverage of net charge-offs (x) | 14.2311% | 1,571 |
Efficiency ratio | 51.5312% | 3,817 |
Assets per employee ($millions) | 6.7368% | 2,158 |
Cash dividends to net income (ytd only)* | 16.8016% | 2,055 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8960% | 3,866 |
Loan loss allowance to noncurrent loans | 1,448.7705% | 751 |
Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,376 |
Noncurrent loans to loans | 0.0618% | 3,293 |
Net loans and leases to total assets | 65.2100% | 2,135 |
Net loans and leases to deposits | 76.1970% | 2,097 |
Net loans and leases to core deposits | 78.1382% | 2,379 |
Total domestic deposits to total assets | 85.5800% | 2,700 |
Equity capital to assets | 8.6993% | 2,739 |
Core capital (leverage) ratio | 10.9074% | 1,913 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1340% | 1,930 |
Memoranda: | ||
Average total assets | $600,671,500 | 1,498 |
Average earning assets | $554,606,000 | 1,507 |
Average equity | $49,669,000 | 1,620 |
Average total loans | $389,673,000 | 1,503 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8952% | 1,997 |
Cost of funding earning assets | 0.0764% | 4,489 |
Net interest margin | 3.8187% | 1,123 |
Noninterest income to average assets | 0.6500% | 1,457 |
Noninterest expense to average assets | 2.2861% | 2,784 |
Loan and lease loss provision to assets | 0.0200% | 2,518 |
Net operating income to assets | 1.4477% | 1,013 |
Return on assets (ROA) | 1.4089% | 1,071 |
Pretax return on assets | 1.8254% | 693 |
Return on Equity (ROE) | 17.6600% | 757 |
Retained earnings to average equity (ytd only) | 14.3936% | 338 |
Net charge-offs to loans | 0.0358% | 1,368 |
Credit loss provision to net charge-offs | 118.1102% | 1,470 |
Earnings coverage of net charge-offs (x) | 90.1339% | 1,021 |
Efficiency ratio | 54.6186% | 3,735 |
Assets per employee ($millions) | 6.9169% | 2,026 |
Cash dividends to net income (ytd only)* | 18.4902% | 2,957 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1036% | 2,877 |
Loan loss allowance to noncurrent loans | 1,331.3480% | 792 |
Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,267 |
Noncurrent loans to loans | 0.0829% | 3,162 |
Net loans and leases to total assets | 63.2400% | 2,306 |
Net loans and leases to deposits | 70.2945% | 2,560 |
Net loans and leases to core deposits | 70.9624% | 2,803 |
Total domestic deposits to total assets | 89.9700% | 1,381 |
Equity capital to assets | 7.8401% | 3,156 |
Core capital (leverage) ratio | 10.2770% | 2,385 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4909% | 1,785 |
Memoranda: | ||
Average total assets | $602,648,800 | 1,472 |
Average earning assets | $557,357,200 | 1,484 |
Average equity | $48,083,800 | 1,671 |
Average total loans | $354,664,800 | 1,533 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7158% | 1,993 |
Cost of funding earning assets | 0.0736% | 4,463 |
Net interest margin | 3.6421% | 1,291 |
Noninterest income to average assets | 0.6200% | 1,634 |
Noninterest expense to average assets | 2.2337% | 2,837 |
Loan and lease loss provision to assets | 0.0300% | 2,122 |
Net operating income to assets | 1.2967% | 1,361 |
Return on assets (ROA) | 1.2967% | 1,329 |
Pretax return on assets | 1.7239% | 861 |
Return on Equity (ROE) | 16.1800% | 945 |
Retained earnings to average equity (ytd only) | 13.1205% | 590 |
Net charge-offs to loans | 0.0292% | 1,245 |
Credit loss provision to net charge-offs | 197.3684% | 984 |
Earnings coverage of net charge-offs (x) | 104.5395% | 930 |
Efficiency ratio | 55.9712% | 3,627 |
Assets per employee ($millions) | 6.9834% | 1,951 |
Cash dividends to net income (ytd only)* | 18.9152% | 2,511 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1805% | 2,636 |
Loan loss allowance to noncurrent loans | 1,334.7826% | 778 |
Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,356 |
Noncurrent loans to loans | 0.0884% | 3,248 |
Net loans and leases to total assets | 58.5500% | 2,640 |
Net loans and leases to deposits | 64.5336% | 2,822 |
Net loans and leases to core deposits | 64.9580% | 3,032 |
Total domestic deposits to total assets | 90.7200% | 1,350 |
Equity capital to assets | 7.1732% | 3,421 |
Core capital (leverage) ratio | 9.6746% | 2,891 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3796% | 1,911 |
Memoranda: | ||
Average total assets | $602,869,250 | 1,482 |
Average earning assets | $557,752,500 | 1,492 |
Average equity | $48,310,000 | 1,682 |
Average total loans | $347,126,750 | 1,549 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4689% | 2,229 |
Cost of funding earning assets | 0.0747% | 4,425 |
Net interest margin | 3.3942% | 1,622 |
Noninterest income to average assets | 0.5416% | 1,985 |
Noninterest expense to average assets | 2.2007% | 2,853 |
Loan and lease loss provision to assets | 0.0417% | 1,825 |
Net operating income to assets | 1.0835% | 1,840 |
Return on assets (ROA) | 1.0835% | 1,817 |
Pretax return on assets | 1.4398% | 1,331 |
Return on Equity (ROE) | 13.0533% | 1,370 |
Retained earnings to average equity (ytd only) | 10.0766% | 994 |
Net charge-offs to loans | 0.0088% | 1,658 |
Credit loss provision to net charge-offs | 833.3333% | 463 |
Earnings coverage of net charge-offs (x) | 295.8000% | 408 |
Efficiency ratio | 59.7661% | 3,330 |
Assets per employee ($millions) | 7.0606% | 1,898 |
Cash dividends to net income (ytd only)* | 22.8043% | 2,360 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2296% | 2,535 |
Loan loss allowance to noncurrent loans | 1,091.6877% | 881 |
Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,217 |
Noncurrent loans to loans | 0.1126% | 3,181 |
Net loans and leases to total assets | 58.0108% | 2,537 |
Net loans and leases to deposits | 64.2531% | 2,695 |
Net loans and leases to core deposits | 64.6871% | 2,916 |
Total domestic deposits to total assets | 90.2847% | 1,584 |
Equity capital to assets | 7.6613% | 3,367 |
Core capital (leverage) ratio | 9.5926% | 2,830 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6276% | 1,825 |
Memoranda: | ||
Average total assets | $598,979,667 | 1,495 |
Average earning assets | $554,235,667 | 1,507 |
Average equity | $49,719,333 | 1,691 |
Average total loans | $341,473,667 | 1,555 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2945% | 2,402 |
Cost of funding earning assets | 0.0772% | 4,380 |
Net interest margin | 3.2173% | 1,828 |
Noninterest income to average assets | 0.5020% | 2,128 |
Noninterest expense to average assets | 2.1698% | 2,922 |
Loan and lease loss provision to assets | 0.0334% | 1,764 |
Net operating income to assets | 0.9572% | 2,042 |
Return on assets (ROA) | 0.9572% | 2,038 |
Pretax return on assets | 1.2788% | 1,569 |
Return on Equity (ROE) | 11.1030% | 1,587 |
Retained earnings to average equity (ytd only) | 8.2342% | 1,510 |
Net charge-offs to loans | 0.0238% | 1,085 |
Credit loss provision to net charge-offs | 250.0000% | 718 |
Earnings coverage of net charge-offs (x) | 98.1500% | 680 |
Efficiency ratio | 62.3152% | 3,229 |
Assets per employee ($millions) | 6.9442% | 2,030 |
Cash dividends to net income (ytd only)* | 25.8380% | 1,859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2686% | 2,506 |
Loan loss allowance to noncurrent loans | 1,817.9487% | 591 |
Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,561 |
Noncurrent loans to loans | 0.0698% | 3,503 |
Net loans and leases to total assets | 54.7990% | 2,656 |
Net loans and leases to deposits | 61.1340% | 2,795 |
Net loans and leases to core deposits | 61.5461% | 3,013 |
Total domestic deposits to total assets | 89.6376% | 1,747 |
Equity capital to assets | 8.1919% | 3,415 |
Core capital (leverage) ratio | 9.4582% | 2,845 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3704% | 1,676 |
Memoranda: | ||
Average total assets | $598,395,000 | 1,505 |
Average earning assets | $554,249,000 | 1,519 |
Average equity | $51,589,500 | 1,693 |
Average total loans | $335,968,000 | 1,571 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2692% | 3,298 |
Cost of funding earning assets | 0.0947% | 4,422 |
Net interest margin | 3.1744% | 2,671 |
Noninterest income to average assets | 0.4769% | 2,691 |
Noninterest expense to average assets | 2.2425% | 2,961 |
Loan and lease loss provision to assets | -0.0541% | 4,372 |
Net operating income to assets | 0.9476% | 2,878 |
Return on assets (ROA) | 0.9476% | 2,949 |
Pretax return on assets | 1.2283% | 2,576 |
Return on Equity (ROE) | 10.0088% | 2,516 |
Retained earnings to average equity (ytd only) | 7.4161% | 1,758 |
Net charge-offs to loans | -0.3508% | 4,759 |
Credit loss provision to net charge-offs | 26.8097% | 2,250 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.6347% | 2,315 |
Assets per employee ($millions) | 6.8912% | 1,998 |
Cash dividends to net income (ytd only)* | 25.9048% | 2,747 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2548% | 2,603 |
Loan loss allowance to noncurrent loans | 1,427.0270% | 674 |
Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,471 |
Noncurrent loans to loans | 0.0879% | 3,498 |
Net loans and leases to total assets | 56.0863% | 2,599 |
Net loans and leases to deposits | 62.9898% | 2,785 |
Net loans and leases to core deposits | 63.4534% | 3,033 |
Total domestic deposits to total assets | 89.0402% | 1,493 |
Equity capital to assets | 9.0590% | 3,556 |
Core capital (leverage) ratio | 9.3135% | 3,052 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.9999% | 1,511 |
Memoranda: | ||
Average total assets | $554,025,200 | 1,562 |
Average earning assets | $513,068,400 | 1,566 |
Average equity | $52,453,600 | 1,691 |
Average total loans | $319,006,000 | 1,623 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2461% | 3,524 |
Cost of funding earning assets | 0.0987% | 4,516 |
Net interest margin | 3.1474% | 2,911 |
Noninterest income to average assets | 0.4612% | 2,792 |
Noninterest expense to average assets | 2.2440% | 2,911 |
Loan and lease loss provision to assets | -0.0735% | 4,531 |
Net operating income to assets | 0.9028% | 3,242 |
Return on assets (ROA) | 0.9028% | 3,317 |
Pretax return on assets | 1.2026% | 2,920 |
Return on Equity (ROE) | 9.4248% | 2,957 |
Retained earnings to average equity (ytd only) | 6.9497% | 2,439 |
Net charge-offs to loans | -0.4700% | 4,840 |
Credit loss provision to net charge-offs | 27.0514% | 1,964 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5263% | 2,028 |
Assets per employee ($millions) | 7.0114% | 1,861 |
Cash dividends to net income (ytd only)* | 26.2615% | 2,256 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3039% | 2,466 |
Loan loss allowance to noncurrent loans | 2,161.0256% | 437 |
Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,676 |
Noncurrent loans to loans | 0.0603% | 3,797 |
Net loans and leases to total assets | 54.1587% | 2,953 |
Net loans and leases to deposits | 60.8936% | 3,148 |
Net loans and leases to core deposits | 61.4077% | 3,369 |
Total domestic deposits to total assets | 88.9400% | 1,318 |
Equity capital to assets | 9.0580% | 3,776 |
Core capital (leverage) ratio | 9.2283% | 3,295 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4239% | 1,510 |
Memoranda: | ||
Average total assets | $544,370,000 | 1,593 |
Average earning assets | $503,640,500 | 1,603 |
Average equity | $52,145,000 | 1,723 |
Average total loans | $314,603,250 | 1,675 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3299% | 3,361 |
Cost of funding earning assets | 0.1005% | 4,581 |
Net interest margin | 3.2294% | 2,667 |
Noninterest income to average assets | 0.4491% | 2,847 |
Noninterest expense to average assets | 2.2508% | 2,916 |
Loan and lease loss provision to assets | -0.1133% | 4,651 |
Net operating income to assets | 0.9722% | 2,991 |
Return on assets (ROA) | 0.9722% | 3,075 |
Pretax return on assets | 1.2959% | 2,640 |
Return on Equity (ROE) | 9.9490% | 2,760 |
Retained earnings to average equity (ytd only) | 7.4637% | 2,269 |
Net charge-offs to loans | -0.4844% | 4,871 |
Credit loss provision to net charge-offs | 39.7351% | 1,660 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.5556% | 2,215 |
Assets per employee ($millions) | 6.9425% | 1,849 |
Cash dividends to net income (ytd only)* | 24.9806% | 2,302 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2036% | 2,918 |
Loan loss allowance to noncurrent loans | 1,930.0000% | 432 |
Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,752 |
Noncurrent loans to loans | 0.0624% | 3,871 |
Net loans and leases to total assets | 56.3422% | 2,861 |
Net loans and leases to deposits | 63.6205% | 3,038 |
Net loans and leases to core deposits | 64.2244% | 3,269 |
Total domestic deposits to total assets | 88.5599% | 1,534 |
Equity capital to assets | 9.3484% | 3,472 |
Core capital (leverage) ratio | 9.6895% | 2,718 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.8122% | 1,386 |
Memoranda: | ||
Average total assets | $529,507,333 | 1,625 |
Average earning assets | $489,319,000 | 1,636 |
Average equity | $51,744,000 | 1,724 |
Average total loans | $311,742,333 | 1,693 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4181% | 3,144 |
Cost of funding earning assets | 0.1003% | 4,645 |
Net interest margin | 3.3178% | 2,336 |
Noninterest income to average assets | 0.4241% | 2,962 |
Noninterest expense to average assets | 2.2741% | 2,868 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.9051% | 3,113 |
Return on assets (ROA) | 0.9051% | 3,192 |
Pretax return on assets | 1.2193% | 2,792 |
Return on Equity (ROE) | 9.0472% | 3,023 |
Retained earnings to average equity (ytd only) | 6.5224% | 2,722 |
Net charge-offs to loans | -0.6040% | 4,894 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.0971% | 2,344 |
Assets per employee ($millions) | 6.4836% | 2,191 |
Cash dividends to net income (ytd only)* | 27.9070% | 1,774 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2190% | 2,825 |
Loan loss allowance to noncurrent loans | 1,868.5990% | 393 |
Noncurrent assets plus other real estate owned to assets | 0.0984% | 3,698 |
Noncurrent loans to loans | 0.0652% | 3,963 |
Net loans and leases to total assets | 58.9576% | 2,676 |
Net loans and leases to deposits | 66.7441% | 2,835 |
Net loans and leases to core deposits | 67.4135% | 3,117 |
Total domestic deposits to total assets | 88.3339% | 1,687 |
Equity capital to assets | 9.6122% | 3,089 |
Core capital (leverage) ratio | 10.1436% | 2,389 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.7193% | 1,380 |
Memoranda: | ||
Average total assets | $513,091,000 | 1,656 |
Average earning assets | $474,645,500 | 1,666 |
Average equity | $51,331,000 | 1,726 |
Average total loans | $307,266,000 | 1,706 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0189% | 2,668 |
Cost of funding earning assets | 0.1298% | 4,789 |
Net interest margin | 3.8891% | 1,247 |
Noninterest income to average assets | 0.4755% | 2,752 |
Noninterest expense to average assets | 2.5069% | 2,826 |
Loan and lease loss provision to assets | 0.1381% | 2,634 |
Net operating income to assets | 1.0716% | 2,017 |
Return on assets (ROA) | 1.1024% | 2,039 |
Pretax return on assets | 1.4295% | 1,573 |
Return on Equity (ROE) | 9.7388% | 2,100 |
Retained earnings to average equity (ytd only) | 7.8477% | 1,100 |
Net charge-offs to loans | 0.0512% | 2,062 |
Credit loss provision to net charge-offs | 394.1176% | 1,449 |
Earnings coverage of net charge-offs (x) | 43.6405% | 1,315 |
Efficiency ratio | 62.1206% | 3,106 |
Assets per employee ($millions) | 5.9581% | 2,371 |
Cash dividends to net income (ytd only)* | 19.4185% | 3,267 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1457% | 3,228 |
Loan loss allowance to noncurrent loans | 1,629.1866% | 454 |
Noncurrent assets plus other real estate owned to assets | 0.1062% | 3,765 |
Noncurrent loans to loans | 0.0703% | 4,014 |
Net loans and leases to total assets | 59.4119% | 2,935 |
Net loans and leases to deposits | 67.9022% | 3,090 |
Net loans and leases to core deposits | 68.6423% | 3,362 |
Total domestic deposits to total assets | 87.4963% | 1,707 |
Equity capital to assets | 10.4258% | 2,735 |
Core capital (leverage) ratio | 10.6250% | 2,065 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8589% | 1,580 |
Memoranda: | ||
Average total assets | $436,790,800 | 1,743 |
Average earning assets | $399,834,000 | 1,768 |
Average equity | $49,441,400 | 1,711 |
Average total loans | $298,728,200 | 1,688 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0978% | 2,677 |
Cost of funding earning assets | 0.1342% | 4,848 |
Net interest margin | 3.9636% | 1,200 |
Noninterest income to average assets | 0.4868% | 2,668 |
Noninterest expense to average assets | 2.5520% | 2,686 |
Loan and lease loss provision to assets | 0.1904% | 2,085 |
Net operating income to assets | 1.0075% | 2,312 |
Return on assets (ROA) | 1.0496% | 2,279 |
Pretax return on assets | 1.4146% | 1,678 |
Return on Equity (ROE) | 9.0636% | 2,373 |
Retained earnings to average equity (ytd only) | 7.3872% | 1,544 |
Net charge-offs to loans | -0.0210% | 4,436 |
Credit loss provision to net charge-offs | -1,282.9787% | 3,977 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.1894% | 3,043 |
Assets per employee ($millions) | 5.8007% | 2,449 |
Cash dividends to net income (ytd only)* | 18.4962% | 2,856 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1265% | 3,056 |
Loan loss allowance to noncurrent loans | 850.2358% | 680 |
Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,636 |
Noncurrent loans to loans | 0.1325% | 3,849 |
Net loans and leases to total assets | 66.5229% | 2,444 |
Net loans and leases to deposits | 76.3030% | 2,721 |
Net loans and leases to core deposits | 77.1676% | 3,080 |
Total domestic deposits to total assets | 87.1826% | 1,590 |
Equity capital to assets | 10.5830% | 2,718 |
Core capital (leverage) ratio | 10.7404% | 2,067 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3487% | 1,709 |
Memoranda: | ||
Average total assets | $422,357,500 | 1,767 |
Average earning assets | $385,398,750 | 1,795 |
Average equity | $48,912,250 | 1,718 |
Average total loans | $299,107,500 | 1,683 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2477% | 2,611 |
Cost of funding earning assets | 0.1407% | 4,902 |
Net interest margin | 4.1071% | 1,096 |
Noninterest income to average assets | 0.4988% | 2,570 |
Noninterest expense to average assets | 2.5764% | 2,752 |
Loan and lease loss provision to assets | 0.1607% | 2,393 |
Net operating income to assets | 1.1013% | 1,959 |
Return on assets (ROA) | 1.1177% | 2,025 |
Pretax return on assets | 1.5062% | 1,441 |
Return on Equity (ROE) | 9.3359% | 2,233 |
Retained earnings to average equity (ytd only) | 8.0187% | 1,300 |
Net charge-offs to loans | -0.0240% | 4,466 |
Credit loss provision to net charge-offs | -928.5714% | 3,738 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0162% | 3,275 |
Assets per employee ($millions) | 5.5099% | 2,630 |
Cash dividends to net income (ytd only)* | 14.1088% | 2,937 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0148% | 3,499 |
Loan loss allowance to noncurrent loans | 898.3740% | 617 |
Noncurrent assets plus other real estate owned to assets | 0.1516% | 3,765 |
Noncurrent loans to loans | 0.1130% | 3,996 |
Net loans and leases to total assets | 71.5662% | 1,789 |
Net loans and leases to deposits | 82.5292% | 2,148 |
Net loans and leases to core deposits | 83.4200% | 2,662 |
Total domestic deposits to total assets | 86.7162% | 1,729 |
Equity capital to assets | 10.9963% | 2,342 |
Core capital (leverage) ratio | 11.6747% | 1,563 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8964% | 1,861 |
Memoranda: | ||
Average total assets | $404,591,000 | 1,801 |
Average earning assets | $366,830,667 | 1,830 |
Average equity | $48,436,667 | 1,721 |
Average total loans | $292,134,667 | 1,697 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5815% | 2,052 |
Cost of funding earning assets | 0.1517% | 4,967 |
Net interest margin | 4.4298% | 587 |
Noninterest income to average assets | 0.5439% | 2,310 |
Noninterest expense to average assets | 2.7886% | 2,462 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.2914% | 1,265 |
Return on assets (ROA) | 1.2914% | 1,360 |
Pretax return on assets | 1.7408% | 789 |
Return on Equity (ROE) | 10.2900% | 1,647 |
Retained earnings to average equity (ytd only) | 8.5750% | 1,084 |
Net charge-offs to loans | -0.0859% | 4,789 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5670% | 3,544 |
Assets per employee ($millions) | 4.8479% | 2,818 |
Cash dividends to net income (ytd only)* | 16.6667% | 2,394 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0802% | 3,308 |
Loan loss allowance to noncurrent loans | 1,702.8249% | 344 |
Noncurrent assets plus other real estate owned to assets | 0.1470% | 3,909 |
Noncurrent loans to loans | 0.0634% | 4,283 |
Net loans and leases to total assets | 72.0701% | 1,909 |
Net loans and leases to deposits | 85.2231% | 2,088 |
Net loans and leases to core deposits | 86.3331% | 2,652 |
Total domestic deposits to total assets | 84.5663% | 2,578 |
Equity capital to assets | 12.6942% | 1,624 |
Core capital (leverage) ratio | 12.7721% | 1,302 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8160% | 1,654 |
Memoranda: | ||
Average total assets | $380,979,500 | 1,838 |
Average earning assets | $342,768,500 | 1,879 |
Average equity | $47,813,500 | 1,729 |
Average total loans | $274,871,500 | 1,740 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7570% | 2,177 |
Cost of funding earning assets | 0.1379% | 5,060 |
Net interest margin | 4.6191% | 548 |
Noninterest income to average assets | 0.5639% | 2,400 |
Noninterest expense to average assets | 2.8661% | 2,391 |
Loan and lease loss provision to assets | -0.0992% | 5,081 |
Net operating income to assets | 1.4771% | 1,111 |
Return on assets (ROA) | 1.4664% | 1,199 |
Pretax return on assets | 1.9196% | 714 |
Return on Equity (ROE) | 12.1304% | 1,461 |
Retained earnings to average equity (ytd only) | 8.3305% | 878 |
Net charge-offs to loans | -0.0427% | 4,796 |
Credit loss provision to net charge-offs | 308.4034% | 899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.9808% | 3,539 |
Assets per employee ($millions) | 4.7971% | 2,840 |
Cash dividends to net income (ytd only)* | 31.3249% | 3,019 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0919% | 3,000 |
Loan loss allowance to noncurrent loans | 1,919.4805% | 324 |
Noncurrent assets plus other real estate owned to assets | 0.1792% | 3,757 |
Noncurrent loans to loans | 0.0569% | 4,310 |
Net loans and leases to total assets | 70.6527% | 2,298 |
Net loans and leases to deposits | 83.1697% | 2,422 |
Net loans and leases to core deposits | 83.9473% | 2,954 |
Total domestic deposits to total assets | 84.9501% | 2,512 |
Equity capital to assets | 12.4046% | 1,882 |
Core capital (leverage) ratio | 12.6001% | 1,429 |
Tier 1 risk-based capital ratio | 15.0971% | 2,742 |
Total risk-based capital ratio | 16.0465% | 2,795 |
Memoranda: | ||
Average total assets | $370,081,400 | 1,843 |
Average earning assets | $331,386,800 | 1,873 |
Average equity | $44,739,000 | 1,766 |
Average total loans | $278,602,800 | 1,694 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8181% | 2,064 |
Cost of funding earning assets | 0.1372% | 5,139 |
Net interest margin | 4.6809% | 515 |
Noninterest income to average assets | 0.5698% | 2,354 |
Noninterest expense to average assets | 2.9032% | 2,259 |
Loan and lease loss provision to assets | 0.0036% | 3,794 |
Net operating income to assets | 1.3786% | 1,536 |
Return on assets (ROA) | 1.3643% | 1,663 |
Pretax return on assets | 1.8383% | 1,000 |
Return on Equity (ROE) | 11.3616% | 1,862 |
Retained earnings to average equity (ytd only) | 7.7394% | 1,522 |
Net charge-offs to loans | -0.0342% | 4,736 |
Credit loss provision to net charge-offs | -13.8889% | 3,965 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.9496% | 3,485 |
Assets per employee ($millions) | 4.8471% | 2,734 |
Cash dividends to net income (ytd only)* | 31.8810% | 2,516 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1788% | 2,621 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,874 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 72.8380% | 2,029 |
Net loans and leases to deposits | 85.5005% | 2,260 |
Net loans and leases to core deposits | 86.0259% | 2,905 |
Total domestic deposits to total assets | 85.1902% | 2,353 |
Equity capital to assets | 12.1344% | 2,159 |
Core capital (leverage) ratio | 12.3373% | 1,665 |
Tier 1 risk-based capital ratio | 14.4810% | 3,083 |
Total risk-based capital ratio | 15.5196% | 3,092 |
Memoranda: | ||
Average total assets | $367,858,750 | 1,866 |
Average earning assets | $329,555,000 | 1,901 |
Average equity | $44,171,250 | 1,793 |
Average total loans | $280,576,000 | 1,701 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8563% | 1,890 |
Cost of funding earning assets | 0.1404% | 5,180 |
Net interest margin | 4.7159% | 479 |
Noninterest income to average assets | 0.5954% | 2,173 |
Noninterest expense to average assets | 2.9710% | 2,083 |
Loan and lease loss provision to assets | 0.0055% | 3,619 |
Net operating income to assets | 1.3648% | 1,529 |
Return on assets (ROA) | 1.3648% | 1,588 |
Pretax return on assets | 1.8389% | 958 |
Return on Equity (ROE) | 11.4076% | 1,822 |
Retained earnings to average equity (ytd only) | 7.7839% | 1,479 |
Net charge-offs to loans | -0.0427% | 4,791 |
Credit loss provision to net charge-offs | -16.6667% | 3,768 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6980% | 3,482 |
Assets per employee ($millions) | 4.4636% | 3,196 |
Cash dividends to net income (ytd only)* | 31.7652% | 2,560 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1733% | 2,658 |
Loan loss allowance to noncurrent loans | 1,596.5854% | 406 |
Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,460 |
Noncurrent loans to loans | 0.0735% | 4,349 |
Net loans and leases to total assets | 75.3177% | 1,667 |
Net loans and leases to deposits | 88.4838% | 1,943 |
Net loans and leases to core deposits | 88.9598% | 2,699 |
Total domestic deposits to total assets | 85.1203% | 2,425 |
Equity capital to assets | 12.2656% | 2,011 |
Core capital (leverage) ratio | 12.5642% | 1,503 |
Tier 1 risk-based capital ratio | 14.4064% | 3,112 |
Total risk-based capital ratio | 15.4556% | 3,122 |
Memoranda: | ||
Average total assets | $364,454,000 | 1,889 |
Average earning assets | $326,132,000 | 1,925 |
Average equity | $43,602,670 | 1,807 |
Average total loans | $281,212,670 | 1,706 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8531% | 1,756 |
Cost of funding earning assets | 0.1451% | 5,217 |
Net interest margin | 4.7080% | 486 |
Noninterest income to average assets | 0.5653% | 2,203 |
Noninterest expense to average assets | 2.9730% | 2,068 |
Loan and lease loss provision to assets | 0.0110% | 3,291 |
Net operating income to assets | 1.3298% | 1,598 |
Return on assets (ROA) | 1.3298% | 1,637 |
Pretax return on assets | 1.7917% | 991 |
Return on Equity (ROE) | 11.2578% | 1,840 |
Retained earnings to average equity (ytd only) | 7.5331% | 1,828 |
Net charge-offs to loans | -0.0723% | 4,943 |
Credit loss provision to net charge-offs | -19.6078% | 3,443 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2524% | 3,493 |
Assets per employee ($millions) | 4.6034% | 3,036 |
Cash dividends to net income (ytd only)* | 33.0852% | 2,137 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1555% | 2,818 |
Loan loss allowance to noncurrent loans | 2,863.1579% | 243 |
Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,459 |
Noncurrent loans to loans | 0.0404% | 4,583 |
Net loans and leases to total assets | 76.7756% | 1,351 |
Net loans and leases to deposits | 91.3063% | 1,482 |
Net loans and leases to core deposits | 91.7365% | 2,323 |
Total domestic deposits to total assets | 84.0858% | 3,025 |
Equity capital to assets | 11.9611% | 2,038 |
Core capital (leverage) ratio | 12.2588% | 1,628 |
Tier 1 risk-based capital ratio | 14.1220% | 3,288 |
Total risk-based capital ratio | 15.1686% | 3,301 |
Memoranda: | ||
Average total assets | $363,673,500 | 1,901 |
Average earning assets | $325,234,500 | 1,940 |
Average equity | $42,957,000 | 1,821 |
Average total loans | $282,345,500 | 1,712 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6756% | 1,913 |
Cost of funding earning assets | 0.0942% | 5,298 |
Net interest margin | 4.5815% | 627 |
Noninterest income to average assets | 0.5893% | 2,353 |
Noninterest expense to average assets | 2.9527% | 2,180 |
Loan and lease loss provision to assets | 0.0126% | 3,891 |
Net operating income to assets | 1.3176% | 1,732 |
Return on assets (ROA) | 1.3063% | 1,755 |
Pretax return on assets | 1.6980% | 1,171 |
Return on Equity (ROE) | 11.5966% | 1,865 |
Retained earnings to average equity (ytd only) | 8.4249% | 1,075 |
Net charge-offs to loans | 0.0239% | 2,929 |
Credit loss provision to net charge-offs | 69.2308% | 2,997 |
Earnings coverage of net charge-offs (x) | 95.0615% | 761 |
Efficiency ratio | 63.1259% | 3,320 |
Assets per employee ($millions) | 4.6035% | 3,014 |
Cash dividends to net income (ytd only)* | 27.3504% | 3,157 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1349% | 2,905 |
Loan loss allowance to noncurrent loans | 349.6725% | 1,452 |
Noncurrent assets plus other real estate owned to assets | 0.5070% | 2,562 |
Noncurrent loans to loans | 0.3246% | 3,391 |
Net loans and leases to total assets | 76.7203% | 1,482 |
Net loans and leases to deposits | 89.4938% | 1,863 |
Net loans and leases to core deposits | 89.9076% | 2,581 |
Total domestic deposits to total assets | 85.7269% | 2,354 |
Equity capital to assets | 11.6628% | 2,128 |
Core capital (leverage) ratio | 11.8955% | 1,801 |
Tier 1 risk-based capital ratio | 13.8992% | 3,332 |
Total risk-based capital ratio | 14.9287% | 3,371 |
Memoranda: | ||
Average total assets | $358,250,200 | 1,887 |
Average earning assets | $319,679,000 | 1,927 |
Average equity | $40,356,800 | 1,846 |
Average total loans | $271,914,200 | 1,716 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5980% | 1,977 |
Cost of funding earning assets | 0.0887% | 5,379 |
Net interest margin | 4.5093% | 727 |
Noninterest income to average assets | 0.5798% | 2,417 |
Noninterest expense to average assets | 2.9577% | 2,148 |
Loan and lease loss provision to assets | 0.0168% | 3,677 |
Net operating income to assets | 1.2099% | 2,204 |
Return on assets (ROA) | 1.2138% | 2,184 |
Pretax return on assets | 1.6348% | 1,468 |
Return on Equity (ROE) | 10.8726% | 2,229 |
Retained earnings to average equity (ytd only) | 7.6600% | 1,816 |
Net charge-offs to loans | 0.0381% | 2,320 |
Credit loss provision to net charge-offs | 58.4416% | 2,763 |
Earnings coverage of net charge-offs (x) | 57.2491% | 1,082 |
Efficiency ratio | 64.2353% | 3,143 |
Assets per employee ($millions) | 4.5376% | 3,064 |
Cash dividends to net income (ytd only)* | 29.5476% | 2,574 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1638% | 2,825 |
Loan loss allowance to noncurrent loans | 315.0049% | 1,598 |
Noncurrent assets plus other real estate owned to assets | 0.5526% | 2,535 |
Noncurrent loans to loans | 0.3695% | 3,322 |
Net loans and leases to total assets | 74.6523% | 1,879 |
Net loans and leases to deposits | 86.6210% | 2,304 |
Net loans and leases to core deposits | 87.0188% | 2,919 |
Total domestic deposits to total assets | 86.1826% | 2,106 |
Equity capital to assets | 11.2320% | 2,445 |
Core capital (leverage) ratio | 11.6608% | 2,039 |
Tier 1 risk-based capital ratio | 13.7409% | 3,491 |
Total risk-based capital ratio | 14.7804% | 3,523 |
Memoranda: | ||
Average total assets | $356,893,500 | 1,898 |
Average earning assets | $318,537,000 | 1,945 |
Average equity | $39,842,250 | 1,866 |
Average total loans | $269,338,500 | 1,732 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5451% | 1,950 |
Cost of funding earning assets | 0.0904% | 5,427 |
Net interest margin | 4.4547% | 763 |
Noninterest income to average assets | 0.5760% | 2,449 |
Noninterest expense to average assets | 2.9668% | 2,142 |
Loan and lease loss provision to assets | 0.0254% | 3,409 |
Net operating income to assets | 1.1558% | 2,371 |
Return on assets (ROA) | 1.1616% | 2,347 |
Pretax return on assets | 1.5646% | 1,622 |
Return on Equity (ROE) | 10.4270% | 2,367 |
Retained earnings to average equity (ytd only) | 7.1891% | 1,984 |
Net charge-offs to loans | 0.0508% | 1,876 |
Credit loss provision to net charge-offs | 66.1765% | 2,388 |
Earnings coverage of net charge-offs (x) | 41.2941% | 1,264 |
Efficiency ratio | 65.2131% | 3,119 |
Assets per employee ($millions) | 4.4216% | 3,246 |
Cash dividends to net income (ytd only)* | 31.0529% | 2,539 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1997% | 2,716 |
Loan loss allowance to noncurrent loans | 296.2963% | 1,658 |
Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,448 |
Noncurrent loans to loans | 0.4049% | 3,245 |
Net loans and leases to total assets | 73.5789% | 2,016 |
Net loans and leases to deposits | 85.3788% | 2,393 |
Net loans and leases to core deposits | 85.8592% | 2,935 |
Total domestic deposits to total assets | 86.1794% | 2,199 |
Equity capital to assets | 11.1799% | 2,475 |
Core capital (leverage) ratio | 11.7776% | 1,852 |
Tier 1 risk-based capital ratio | 13.6412% | 3,536 |
Total risk-based capital ratio | 14.7006% | 3,561 |
Memoranda: | ||
Average total assets | $354,855,670 | 1,913 |
Average earning assets | $316,518,670 | 1,960 |
Average equity | $39,532,000 | 1,883 |
Average total loans | $267,723,330 | 1,745 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5815% | 1,623 |
Cost of funding earning assets | 0.0853% | 5,489 |
Net interest margin | 4.4962% | 625 |
Noninterest income to average assets | 0.5730% | 2,402 |
Noninterest expense to average assets | 2.9965% | 2,070 |
Loan and lease loss provision to assets | 0.0340% | 3,049 |
Net operating income to assets | 1.1435% | 2,247 |
Return on assets (ROA) | 1.1551% | 2,206 |
Pretax return on assets | 1.5560% | 1,511 |
Return on Equity (ROE) | 10.3876% | 2,238 |
Retained earnings to average equity (ytd only) | 7.1288% | 2,224 |
Net charge-offs to loans | 0.0954% | 1,221 |
Credit loss provision to net charge-offs | 46.8750% | 1,973 |
Earnings coverage of net charge-offs (x) | 21.7344% | 1,423 |
Efficiency ratio | 65.5437% | 3,244 |
Assets per employee ($millions) | 4.4326% | 3,278 |
Cash dividends to net income (ytd only)* | 31.3725% | 2,109 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1995% | 2,806 |
Loan loss allowance to noncurrent loans | 728.0822% | 790 |
Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,133 |
Noncurrent loans to loans | 0.1647% | 4,239 |
Net loans and leases to total assets | 75.0134% | 1,702 |
Net loans and leases to deposits | 88.0394% | 1,923 |
Net loans and leases to core deposits | 88.4717% | 2,593 |
Total domestic deposits to total assets | 85.2044% | 2,856 |
Equity capital to assets | 11.2510% | 2,344 |
Core capital (leverage) ratio | 11.5901% | 1,944 |
Tier 1 risk-based capital ratio | 13.3572% | 3,744 |
Total risk-based capital ratio | 14.4183% | 3,768 |
Memoranda: | ||
Average total assets | $353,207,000 | 1,931 |
Average earning assets | $314,130,000 | 1,980 |
Average equity | $39,277,500 | 1,901 |
Average total loans | $268,222,500 | 1,751 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4875% | 1,748 |
Cost of funding earning assets | 0.0800% | 5,551 |
Net interest margin | 4.4075% | 749 |
Noninterest income to average assets | 0.5633% | 2,642 |
Noninterest expense to average assets | 2.9864% | 2,198 |
Loan and lease loss provision to assets | 0.0433% | 3,376 |
Net operating income to assets | 0.7332% | 3,460 |
Return on assets (ROA) | 0.7278% | 3,520 |
Pretax return on assets | 1.4228% | 1,919 |
Return on Equity (ROE) | 6.5161% | 3,521 |
Retained earnings to average equity (ytd only) | 3.8668% | 2,889 |
Net charge-offs to loans | 0.1020% | 2,048 |
Credit loss provision to net charge-offs | 57.4713% | 3,241 |
Earnings coverage of net charge-offs (x) | 19.5670% | 2,017 |
Efficiency ratio | 66.9471% | 3,086 |
Assets per employee ($millions) | 4.5094% | 3,165 |
Cash dividends to net income (ytd only)* | 40.6585% | 2,830 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1908% | 2,834 |
Loan loss allowance to noncurrent loans | 705.0328% | 841 |
Noncurrent assets plus other real estate owned to assets | 0.4070% | 3,228 |
Noncurrent loans to loans | 0.1689% | 4,245 |
Net loans and leases to total assets | 75.0495% | 1,744 |
Net loans and leases to deposits | 86.8130% | 2,157 |
Net loans and leases to core deposits | 87.3228% | 2,785 |
Total domestic deposits to total assets | 86.4497% | 2,254 |
Equity capital to assets | 10.9917% | 2,631 |
Core capital (leverage) ratio | 11.1367% | 2,208 |
Tier 1 risk-based capital ratio | 13.0147% | 3,894 |
Total risk-based capital ratio | 14.0697% | 3,920 |
Memoranda: | ||
Average total assets | $346,369,800 | 1,935 |
Average earning assets | $306,293,200 | 2,011 |
Average equity | $38,688,800 | 1,909 |
Average total loans | $255,772,800 | 1,784 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4175% | 1,916 |
Cost of funding earning assets | 0.0790% | 5,621 |
Net interest margin | 4.3385% | 839 |
Noninterest income to average assets | 0.5567% | 2,687 |
Noninterest expense to average assets | 2.9938% | 2,126 |
Loan and lease loss provision to assets | 0.0582% | 2,921 |
Net operating income to assets | 0.8743% | 3,152 |
Return on assets (ROA) | 0.8743% | 3,202 |
Pretax return on assets | 1.3372% | 2,336 |
Return on Equity (ROE) | 7.7948% | 3,239 |
Retained earnings to average equity (ytd only) | 5.2887% | 2,696 |
Net charge-offs to loans | 0.1306% | 1,480 |
Credit loss provision to net charge-offs | 60.7287% | 2,801 |
Earnings coverage of net charge-offs (x) | 14.5706% | 2,288 |
Efficiency ratio | 68.2095% | 2,842 |
Assets per employee ($millions) | 4.4956% | 3,153 |
Cash dividends to net income (ytd only)* | 32.1507% | 2,653 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2539% | 2,621 |
Loan loss allowance to noncurrent loans | 288.4135% | 1,640 |
Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,672 |
Noncurrent loans to loans | 0.4348% | 3,404 |
Net loans and leases to total assets | 71.7549% | 2,292 |
Net loans and leases to deposits | 83.2066% | 2,636 |
Net loans and leases to core deposits | 83.6974% | 3,154 |
Total domestic deposits to total assets | 86.2370% | 2,217 |
Equity capital to assets | 11.1064% | 2,759 |
Core capital (leverage) ratio | 11.2330% | 2,240 |
Tier 1 risk-based capital ratio | 13.3689% | 3,784 |
Total risk-based capital ratio | 14.4585% | 3,788 |
Memoranda: | ||
Average total assets | $343,901,750 | 1,956 |
Average earning assets | $303,785,250 | 2,041 |
Average equity | $38,571,750 | 1,931 |
Average total loans | $252,071,000 | 1,814 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3578% | 1,951 |
Cost of funding earning assets | 0.0794% | 5,657 |
Net interest margin | 4.2785% | 917 |
Noninterest income to average assets | 0.5427% | 2,755 |
Noninterest expense to average assets | 3.0034% | 2,101 |
Loan and lease loss provision to assets | 0.0882% | 2,218 |
Net operating income to assets | 0.8055% | 3,371 |
Return on assets (ROA) | 0.8055% | 3,428 |
Pretax return on assets | 1.2236% | 2,684 |
Return on Equity (ROE) | 7.1577% | 3,474 |
Retained earnings to average equity (ytd only) | 4.9372% | 2,749 |
Net charge-offs to loans | 0.0632% | 2,024 |
Credit loss provision to net charge-offs | 189.8734% | 1,319 |
Earnings coverage of net charge-offs (x) | 28.2405% | 1,511 |
Efficiency ratio | 69.6008% | 2,751 |
Assets per employee ($millions) | 4.2797% | 3,470 |
Cash dividends to net income (ytd only)* | 31.0219% | 2,747 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3384% | 2,239 |
Loan loss allowance to noncurrent loans | 272.8365% | 1,711 |
Noncurrent assets plus other real estate owned to assets | 0.6652% | 2,546 |
Noncurrent loans to loans | 0.4905% | 3,278 |
Net loans and leases to total assets | 72.4097% | 2,134 |
Net loans and leases to deposits | 84.1509% | 2,452 |
Net loans and leases to core deposits | 84.7349% | 2,987 |
Total domestic deposits to total assets | 86.0475% | 2,359 |
Equity capital to assets | 11.2212% | 2,569 |
Core capital (leverage) ratio | 11.5465% | 1,937 |
Tier 1 risk-based capital ratio | 13.3853% | 3,760 |
Total risk-based capital ratio | 14.5536% | 3,718 |
Memoranda: | ||
Average total assets | $340,150,670 | 1,980 |
Average earning assets | $299,920,330 | 2,057 |
Average equity | $38,280,670 | 1,943 |
Average total loans | $250,069,000 | 1,826 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3361% | 1,863 |
Cost of funding earning assets | 0.0796% | 5,719 |
Net interest margin | 4.2565% | 876 |
Noninterest income to average assets | 0.6008% | 2,412 |
Noninterest expense to average assets | 3.0229% | 2,103 |
Loan and lease loss provision to assets | 0.1069% | 1,787 |
Net operating income to assets | 0.7955% | 3,241 |
Return on assets (ROA) | 0.7955% | 3,296 |
Pretax return on assets | 1.2182% | 2,515 |
Return on Equity (ROE) | 7.0579% | 3,377 |
Retained earnings to average equity (ytd only) | 5.2144% | 2,779 |
Net charge-offs to loans | -0.0371% | 5,037 |
Credit loss provision to net charge-offs | -391.3043% | 4,189 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5248% | 2,966 |
Assets per employee ($millions) | 4.2441% | 3,599 |
Cash dividends to net income (ytd only)* | 26.1194% | 2,389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3603% | 2,261 |
Loan loss allowance to noncurrent loans | 209.4168% | 2,171 |
Noncurrent assets plus other real estate owned to assets | 0.9996% | 1,819 |
Noncurrent loans to loans | 0.6496% | 2,877 |
Net loans and leases to total assets | 73.6189% | 1,800 |
Net loans and leases to deposits | 85.6089% | 2,080 |
Net loans and leases to core deposits | 86.3659% | 2,685 |
Total domestic deposits to total assets | 85.9945% | 2,668 |
Equity capital to assets | 11.2611% | 2,376 |
Core capital (leverage) ratio | 11.5081% | 1,938 |
Tier 1 risk-based capital ratio | 13.2490% | 3,910 |
Total risk-based capital ratio | 14.4424% | 3,875 |
Memoranda: | ||
Average total assets | $336,898,500 | 2,010 |
Average earning assets | $296,583,000 | 2,091 |
Average equity | $37,971,500 | 1,962 |
Average total loans | $247,895,000 | 1,845 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3183% | 2,085 |
Cost of funding earning assets | 0.1038% | 5,686 |
Net interest margin | 4.2145% | 1,079 |
Noninterest income to average assets | 0.7911% | 1,777 |
Noninterest expense to average assets | 3.0738% | 2,113 |
Loan and lease loss provision to assets | 0.4321% | 341 |
Net operating income to assets | 0.6235% | 4,108 |
Return on assets (ROA) | 0.6313% | 4,192 |
Pretax return on assets | 0.9985% | 3,485 |
Return on Equity (ROE) | 5.6862% | 4,124 |
Retained earnings to average equity (ytd only) | 4.5133% | 2,690 |
Net charge-offs to loans | 1.1663% | 148 |
Credit loss provision to net charge-offs | 51.9388% | 3,354 |
Earnings coverage of net charge-offs (x) | 1.7051% | 3,952 |
Efficiency ratio | 68.4235% | 3,171 |
Assets per employee ($millions) | 4.2856% | 3,460 |
Cash dividends to net income (ytd only)* | 20.6282% | 3,702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3755% | 2,192 |
Loan loss allowance to noncurrent loans | 168.2139% | 2,583 |
Noncurrent assets plus other real estate owned to assets | 1.1159% | 1,668 |
Noncurrent loans to loans | 0.8177% | 2,479 |
Net loans and leases to total assets | 71.5149% | 2,238 |
Net loans and leases to deposits | 83.1235% | 2,522 |
Net loans and leases to core deposits | 84.2737% | 2,999 |
Total domestic deposits to total assets | 86.0345% | 2,566 |
Equity capital to assets | 11.2809% | 2,344 |
Core capital (leverage) ratio | 10.8512% | 2,487 |
Tier 1 risk-based capital ratio | 13.3371% | 3,870 |
Total risk-based capital ratio | 14.5437% | 3,814 |
Memoranda: | ||
Average total assets | $337,893,200 | 1,962 |
Average earning assets | $296,736,600 | 2,067 |
Average equity | $37,511,600 | 1,953 |
Average total loans | $241,012,000 | 1,841 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3119% | 2,126 |
Cost of funding earning assets | 0.1080% | 5,731 |
Net interest margin | 4.2039% | 1,111 |
Noninterest income to average assets | 0.8146% | 1,701 |
Noninterest expense to average assets | 3.0598% | 2,128 |
Loan and lease loss provision to assets | 0.5352% | 225 |
Net operating income to assets | 0.6114% | 4,242 |
Return on assets (ROA) | 0.6222% | 4,323 |
Pretax return on assets | 0.9276% | 3,884 |
Return on Equity (ROE) | 5.6269% | 4,259 |
Retained earnings to average equity (ytd only) | 4.5983% | 3,083 |
Net charge-offs to loans | 1.5091% | 89 |
Credit loss provision to net charge-offs | 49.9266% | 3,036 |
Earnings coverage of net charge-offs (x) | 1.3495% | 3,704 |
Efficiency ratio | 67.8980% | 3,240 |
Assets per employee ($millions) | 4.2592% | 3,489 |
Cash dividends to net income (ytd only)* | 18.2794% | 3,303 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4026% | 2,188 |
Loan loss allowance to noncurrent loans | 203.1022% | 2,217 |
Noncurrent assets plus other real estate owned to assets | 0.9832% | 2,108 |
Noncurrent loans to loans | 0.6906% | 2,966 |
Net loans and leases to total assets | 68.0356% | 2,797 |
Net loans and leases to deposits | 78.8152% | 3,095 |
Net loans and leases to core deposits | 80.0929% | 3,435 |
Total domestic deposits to total assets | 86.3229% | 2,205 |
Equity capital to assets | 11.0571% | 2,950 |
Core capital (leverage) ratio | 10.6892% | 2,797 |
Tier 1 risk-based capital ratio | 13.2652% | 3,997 |
Total risk-based capital ratio | 14.4783% | 3,929 |
Memoranda: | ||
Average total assets | $338,798,250 | 1,960 |
Average earning assets | $297,525,750 | 2,059 |
Average equity | $37,462,250 | 1,969 |
Average total loans | $240,667,750 | 1,846 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3383% | 2,023 |
Cost of funding earning assets | 0.1117% | 5,800 |
Net interest margin | 4.2266% | 1,066 |
Noninterest income to average assets | 0.8404% | 1,583 |
Noninterest expense to average assets | 3.1289% | 1,986 |
Loan and lease loss provision to assets | 0.7187% | 154 |
Net operating income to assets | 0.4689% | 4,805 |
Return on assets (ROA) | 0.4853% | 4,839 |
Pretax return on assets | 0.7246% | 4,547 |
Return on Equity (ROE) | 4.3885% | 4,761 |
Retained earnings to average equity (ytd only) | 3.7761% | 3,491 |
Net charge-offs to loans | 2.3061% | 62 |
Credit loss provision to net charge-offs | 43.4470% | 2,738 |
Earnings coverage of net charge-offs (x) | 0.8578% | 3,476 |
Efficiency ratio | 68.7998% | 3,193 |
Assets per employee ($millions) | 4.0531% | 3,813 |
Cash dividends to net income (ytd only)* | 13.9535% | 3,378 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3058% | 2,749 |
Loan loss allowance to noncurrent loans | 190.0365% | 2,383 |
Noncurrent assets plus other real estate owned to assets | 1.0172% | 2,107 |
Noncurrent loans to loans | 0.6871% | 3,017 |
Net loans and leases to total assets | 70.2775% | 2,435 |
Net loans and leases to deposits | 81.5145% | 2,761 |
Net loans and leases to core deposits | 82.9447% | 3,177 |
Total domestic deposits to total assets | 86.2147% | 2,320 |
Equity capital to assets | 11.1733% | 2,873 |
Core capital (leverage) ratio | 10.8079% | 2,640 |
Tier 1 risk-based capital ratio | 13.0168% | 4,191 |
Total risk-based capital ratio | 14.1537% | 4,170 |
Memoranda: | ||
Average total assets | $336,731,330 | 1,980 |
Average earning assets | $295,368,330 | 2,083 |
Average equity | $37,234,000 | 1,984 |
Average total loans | $241,536,670 | 1,850 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3478% | 1,970 |
Cost of funding earning assets | 0.1166% | 5,837 |
Net interest margin | 4.2312% | 1,033 |
Noninterest income to average assets | 0.8632% | 1,406 |
Noninterest expense to average assets | 3.1523% | 1,952 |
Loan and lease loss provision to assets | 0.1781% | 1,138 |
Net operating income to assets | 0.8264% | 3,118 |
Return on assets (ROA) | 0.8264% | 3,244 |
Pretax return on assets | 1.2384% | 2,541 |
Return on Equity (ROE) | 7.5128% | 3,179 |
Retained earnings to average equity (ytd only) | 6.2822% | 2,245 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9969% | 3,301 |
Assets per employee ($millions) | 4.0503% | 3,862 |
Cash dividends to net income (ytd only)* | 16.3793% | 2,609 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9992% | 820 |
Loan loss allowance to noncurrent loans | 108.8849% | 3,445 |
Noncurrent assets plus other real estate owned to assets | 1.9112% | 932 |
Noncurrent loans to loans | 1.8360% | 1,208 |
Net loans and leases to total assets | 70.7676% | 2,225 |
Net loans and leases to deposits | 82.0563% | 2,537 |
Net loans and leases to core deposits | 83.4216% | 2,991 |
Total domestic deposits to total assets | 86.2427% | 2,574 |
Equity capital to assets | 11.1354% | 2,790 |
Core capital (leverage) ratio | 10.6955% | 2,736 |
Tier 1 risk-based capital ratio | 12.7943% | 4,402 |
Total risk-based capital ratio | 14.0548% | 4,304 |
Memoranda: | ||
Average total assets | $336,893,000 | 1,990 |
Average earning assets | $295,044,500 | 2,087 |
Average equity | $37,057,000 | 1,982 |
Average total loans | $242,531,500 | 1,846 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3016% | 2,230 |
Cost of funding earning assets | 0.2797% | 4,486 |
Net interest margin | 4.0220% | 1,644 |
Noninterest income to average assets | 0.7506% | 1,984 |
Noninterest expense to average assets | 3.0740% | 2,312 |
Loan and lease loss provision to assets | 0.1644% | 1,400 |
Net operating income to assets | 0.6223% | 4,175 |
Return on assets (ROA) | 1.2096% | 1,584 |
Pretax return on assets | 1.5919% | 1,268 |
Return on Equity (ROE) | 11.7198% | 1,377 |
Retained earnings to average equity (ytd only) | 7.6966% | 1,017 |
Net charge-offs to loans | 0.1066% | 2,326 |
Credit loss provision to net charge-offs | 215.3846% | 1,321 |
Earnings coverage of net charge-offs (x) | 15.3115% | 2,213 |
Efficiency ratio | 72.4479% | 2,838 |
Assets per employee ($millions) | 3.8365% | 4,233 |
Cash dividends to net income (ytd only)* | 34.3287% | 3,127 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9409% | 897 |
Loan loss allowance to noncurrent loans | 86.1671% | 3,988 |
Noncurrent assets plus other real estate owned to assets | 2.2067% | 767 |
Noncurrent loans to loans | 2.2525% | 865 |
Net loans and leases to total assets | 70.3781% | 2,312 |
Net loans and leases to deposits | 81.5300% | 2,651 |
Net loans and leases to core deposits | 83.0747% | 3,042 |
Total domestic deposits to total assets | 86.3217% | 2,480 |
Equity capital to assets | 10.8644% | 2,974 |
Core capital (leverage) ratio | 10.3817% | 3,070 |
Tier 1 risk-based capital ratio | 12.5585% | 4,590 |
Total risk-based capital ratio | 13.8189% | 4,481 |
Memoranda: | ||
Average total assets | $340,531,400 | 1,920 |
Average earning assets | $295,700,800 | 2,045 |
Average equity | $35,145,600 | 2,032 |
Average total loans | $244,002,200 | 1,767 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2975% | 2,237 |
Cost of funding earning assets | 0.3254% | 4,040 |
Net interest margin | 3.9721% | 1,796 |
Noninterest income to average assets | 0.7259% | 2,127 |
Noninterest expense to average assets | 3.0213% | 2,456 |
Loan and lease loss provision to assets | 0.1641% | 1,297 |
Net operating income to assets | 0.6829% | 3,979 |
Return on assets (ROA) | 0.6829% | 4,092 |
Pretax return on assets | 0.9838% | 3,676 |
Return on Equity (ROE) | 6.7045% | 3,777 |
Retained earnings to average equity (ytd only) | 5.5040% | 2,573 |
Net charge-offs to loans | 0.1402% | 1,721 |
Credit loss provision to net charge-offs | 163.4241% | 1,576 |
Earnings coverage of net charge-offs (x) | 11.4319% | 2,488 |
Efficiency ratio | 72.4674% | 2,794 |
Assets per employee ($millions) | 4.1306% | 3,654 |
Cash dividends to net income (ytd only)* | 17.9060% | 3,304 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9086% | 1,057 |
Loan loss allowance to noncurrent loans | 81.2600% | 4,134 |
Noncurrent assets plus other real estate owned to assets | 2.2875% | 805 |
Noncurrent loans to loans | 2.3487% | 893 |
Net loans and leases to total assets | 67.6353% | 2,745 |
Net loans and leases to deposits | 77.6451% | 3,133 |
Net loans and leases to core deposits | 79.2025% | 3,489 |
Total domestic deposits to total assets | 87.1083% | 1,977 |
Equity capital to assets | 10.2566% | 3,865 |
Core capital (leverage) ratio | 9.5450% | 4,245 |
Tier 1 risk-based capital ratio | 11.8723% | 5,151 |
Total risk-based capital ratio | 13.1351% | 5,069 |
Memoranda: | ||
Average total assets | $341,260,500 | 1,927 |
Average earning assets | $295,826,000 | 2,054 |
Average equity | $34,762,000 | 2,068 |
Average total loans | $244,425,250 | 1,771 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3050% | 2,150 |
Cost of funding earning assets | 0.3868% | 3,407 |
Net interest margin | 3.9182% | 1,918 |
Noninterest income to average assets | 0.6571% | 2,436 |
Noninterest expense to average assets | 3.0051% | 2,539 |
Loan and lease loss provision to assets | 0.1238% | 1,783 |
Net operating income to assets | 0.6459% | 4,141 |
Return on assets (ROA) | 0.6459% | 4,249 |
Pretax return on assets | 0.9135% | 3,905 |
Return on Equity (ROE) | 6.3560% | 3,960 |
Retained earnings to average equity (ytd only) | 4.9178% | 2,907 |
Net charge-offs to loans | -0.0032% | 4,656 |
Credit loss provision to net charge-offs | -5,250.0000% | 5,593 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.3403% | 2,636 |
Assets per employee ($millions) | 4.2094% | 3,451 |
Cash dividends to net income (ytd only)* | 22.6277% | 3,100 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8838% | 1,201 |
Loan loss allowance to noncurrent loans | 67.4456% | 4,551 |
Noncurrent assets plus other real estate owned to assets | 2.6552% | 682 |
Noncurrent loans to loans | 2.7930% | 749 |
Net loans and leases to total assets | 69.6838% | 2,366 |
Net loans and leases to deposits | 79.8088% | 2,816 |
Net loans and leases to core deposits | 81.4140% | 3,243 |
Total domestic deposits to total assets | 87.3135% | 2,003 |
Equity capital to assets | 10.1066% | 3,916 |
Core capital (leverage) ratio | 9.5890% | 4,148 |
Tier 1 risk-based capital ratio | 11.5911% | 5,408 |
Total risk-based capital ratio | 12.8544% | 5,319 |
Memoranda: | ||
Average total assets | $339,358,000 | 1,957 |
Average earning assets | $293,194,670 | 2,087 |
Average equity | $34,487,000 | 2,096 |
Average total loans | $246,154,000 | 1,772 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3934% | 1,790 |
Cost of funding earning assets | 0.4189% | 3,088 |
Net interest margin | 3.9745% | 1,641 |
Noninterest income to average assets | 0.4530% | 3,617 |
Noninterest expense to average assets | 3.0447% | 2,439 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.5754% | 4,384 |
Return on assets (ROA) | 0.5754% | 4,487 |
Pretax return on assets | 0.8037% | 4,225 |
Return on Equity (ROE) | 5.6463% | 4,203 |
Retained earnings to average equity (ytd only) | 4.8297% | 3,159 |
Net charge-offs to loans | -0.0032% | 4,407 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1165% | 2,015 |
Assets per employee ($millions) | 4.2072% | 3,553 |
Cash dividends to net income (ytd only)* | 14.4628% | 2,656 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7753% | 1,552 |
Loan loss allowance to noncurrent loans | 83.0349% | 4,107 |
Noncurrent assets plus other real estate owned to assets | 2.3285% | 950 |
Noncurrent loans to loans | 2.1381% | 1,198 |
Net loans and leases to total assets | 72.4113% | 1,746 |
Net loans and leases to deposits | 83.0815% | 2,199 |
Net loans and leases to core deposits | 84.8804% | 2,669 |
Total domestic deposits to total assets | 87.1570% | 2,286 |
Equity capital to assets | 10.2611% | 3,819 |
Core capital (leverage) ratio | 9.5984% | 4,153 |
Tier 1 risk-based capital ratio | 11.4981% | 5,558 |
Total risk-based capital ratio | 12.7524% | 5,471 |
Memoranda: | ||
Average total assets | $336,452,500 | 1,981 |
Average earning assets | $287,430,000 | 2,128 |
Average equity | $34,288,000 | 2,115 |
Average total loans | $246,658,500 | 1,764 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5375% | 1,735 |
Cost of funding earning assets | 0.4662% | 3,013 |
Net interest margin | 4.0713% | 1,678 |
Noninterest income to average assets | 0.5892% | 2,921 |
Noninterest expense to average assets | 3.1544% | 2,342 |
Loan and lease loss provision to assets | 0.2495% | 915 |
Net operating income to assets | 0.5141% | 4,758 |
Return on assets (ROA) | 0.5141% | 4,839 |
Pretax return on assets | 0.6846% | 4,678 |
Return on Equity (ROE) | 5.2200% | 4,549 |
Retained earnings to average equity (ytd only) | 4.5325% | 2,946 |
Net charge-offs to loans | 0.5371% | 757 |
Credit loss provision to net charge-offs | 63.8298% | 3,210 |
Earnings coverage of net charge-offs (x) | 2.3898% | 4,164 |
Efficiency ratio | 77.1539% | 2,337 |
Assets per employee ($millions) | 4.2574% | 3,438 |
Cash dividends to net income (ytd only)* | 13.1716% | 4,033 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7957% | 1,549 |
Loan loss allowance to noncurrent loans | 84.9672% | 4,103 |
Noncurrent assets plus other real estate owned to assets | 2.3923% | 976 |
Noncurrent loans to loans | 2.1134% | 1,290 |
Net loans and leases to total assets | 71.5935% | 1,974 |
Net loans and leases to deposits | 81.9857% | 2,472 |
Net loans and leases to core deposits | 83.7584% | 2,920 |
Total domestic deposits to total assets | 87.3244% | 2,115 |
Equity capital to assets | 10.1210% | 3,962 |
Core capital (leverage) ratio | 9.1543% | 4,745 |
Tier 1 risk-based capital ratio | 11.4327% | 5,695 |
Total risk-based capital ratio | 12.6876% | 5,616 |
Memoranda: | ||
Average total assets | $336,702,400 | 1,930 |
Average earning assets | $289,391,200 | 2,071 |
Average equity | $33,160,800 | 2,098 |
Average total loans | $245,038,800 | 1,719 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4470% | 2,056 |
Cost of funding earning assets | 0.4737% | 3,019 |
Net interest margin | 3.9733% | 1,955 |
Noninterest income to average assets | 0.5800% | 2,990 |
Noninterest expense to average assets | 3.2078% | 2,152 |
Loan and lease loss provision to assets | 0.2494% | 868 |
Net operating income to assets | 0.3986% | 5,252 |
Return on assets (ROA) | 0.3986% | 5,331 |
Pretax return on assets | 0.5427% | 5,201 |
Return on Equity (ROE) | 4.0759% | 5,140 |
Retained earnings to average equity (ytd only) | 3.1530% | 4,380 |
Net charge-offs to loans | 0.6977% | 499 |
Credit loss provision to net charge-offs | 49.1420% | 3,114 |
Earnings coverage of net charge-offs (x) | 1.5608% | 4,126 |
Efficiency ratio | 80.1960% | 1,881 |
Assets per employee ($millions) | 4.1589% | 3,548 |
Cash dividends to net income (ytd only)* | 22.6414% | 3,112 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6836% | 2,023 |
Loan loss allowance to noncurrent loans | 68.3317% | 4,531 |
Noncurrent assets plus other real estate owned to assets | 2.6537% | 963 |
Noncurrent loans to loans | 2.4639% | 1,197 |
Net loans and leases to total assets | 72.3796% | 1,787 |
Net loans and leases to deposits | 82.5976% | 2,347 |
Net loans and leases to core deposits | 84.3469% | 2,842 |
Total domestic deposits to total assets | 87.6293% | 1,963 |
Equity capital to assets | 9.7759% | 4,450 |
Core capital (leverage) ratio | 8.8336% | 5,291 |
Tier 1 risk-based capital ratio | 10.8934% | 6,046 |
Total risk-based capital ratio | 12.1467% | 5,994 |
Memoranda: | ||
Average total assets | $336,795,000 | 1,941 |
Average earning assets | $289,896,500 | 2,083 |
Average equity | $32,941,000 | 2,116 |
Average total loans | $244,999,750 | 1,730 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4566% | 1,971 |
Cost of funding earning assets | 0.4832% | 2,999 |
Net interest margin | 3.9733% | 1,894 |
Noninterest income to average assets | 0.5439% | 3,177 |
Noninterest expense to average assets | 3.2023% | 2,187 |
Loan and lease loss provision to assets | 0.2505% | 874 |
Net operating income to assets | 0.3781% | 5,299 |
Return on assets (ROA) | 0.3781% | 5,369 |
Pretax return on assets | 0.4890% | 5,306 |
Return on Equity (ROE) | 3.8649% | 5,199 |
Retained earnings to average equity (ytd only) | 2.9017% | 4,358 |
Net charge-offs to loans | 0.1490% | 2,195 |
Credit loss provision to net charge-offs | 232.0442% | 1,046 |
Earnings coverage of net charge-offs (x) | 6.8508% | 2,713 |
Efficiency ratio | 81.2405% | 1,848 |
Assets per employee ($millions) | 3.8263% | 4,205 |
Cash dividends to net income (ytd only)* | 24.9211% | 3,005 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0925% | 1,190 |
Loan loss allowance to noncurrent loans | 61.4775% | 4,760 |
Noncurrent assets plus other real estate owned to assets | 3.4192% | 693 |
Noncurrent loans to loans | 3.4037% | 799 |
Net loans and leases to total assets | 71.1189% | 1,905 |
Net loans and leases to deposits | 81.1717% | 2,363 |
Net loans and leases to core deposits | 82.9134% | 2,865 |
Total domestic deposits to total assets | 87.6153% | 2,133 |
Equity capital to assets | 9.8228% | 4,321 |
Core capital (leverage) ratio | 9.0438% | 4,954 |
Tier 1 risk-based capital ratio | 11.0559% | 6,027 |
Total risk-based capital ratio | 12.3138% | 5,965 |
Memoranda: | ||
Average total assets | $335,383,000 | 1,950 |
Average earning assets | $286,811,000 | 2,095 |
Average equity | $32,808,330 | 2,110 |
Average total loans | $242,978,330 | 1,737 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4479% | 1,967 |
Cost of funding earning assets | 0.4900% | 3,012 |
Net interest margin | 3.9578% | 1,898 |
Noninterest income to average assets | 0.5222% | 3,252 |
Noninterest expense to average assets | 3.2899% | 1,968 |
Loan and lease loss provision to assets | 0.2510% | 860 |
Net operating income to assets | 0.3215% | 5,423 |
Return on assets (ROA) | 0.3215% | 5,472 |
Pretax return on assets | 0.3693% | 5,544 |
Return on Equity (ROE) | 3.2930% | 5,348 |
Retained earnings to average equity (ytd only) | 2.1423% | 4,746 |
Net charge-offs to loans | 0.1024% | 2,149 |
Credit loss provision to net charge-offs | 338.7097% | 731 |
Earnings coverage of net charge-offs (x) | 8.3710% | 2,033 |
Efficiency ratio | 84.1381% | 1,656 |
Assets per employee ($millions) | 4.0525% | 3,818 |
Cash dividends to net income (ytd only)* | 34.9442% | 2,150 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0529% | 1,409 |
Loan loss allowance to noncurrent loans | 63.2168% | 4,729 |
Noncurrent assets plus other real estate owned to assets | 3.0239% | 944 |
Noncurrent loans to loans | 3.2474% | 946 |
Net loans and leases to total assets | 71.3077% | 1,680 |
Net loans and leases to deposits | 81.2242% | 2,135 |
Net loans and leases to core deposits | 83.1771% | 2,621 |
Total domestic deposits to total assets | 87.7912% | 2,351 |
Equity capital to assets | 9.7415% | 4,177 |
Core capital (leverage) ratio | 9.0375% | 4,957 |
Tier 1 risk-based capital ratio | 10.9810% | 6,164 |
Total risk-based capital ratio | 12.2387% | 6,111 |
Memoranda: | ||
Average total assets | $334,717,000 | 1,958 |
Average earning assets | $286,520,000 | 2,102 |
Average equity | $32,675,000 | 2,110 |
Average total loans | $242,174,500 | 1,743 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4041% | 2,573 |
Cost of funding earning assets | 0.5266% | 3,331 |
Net interest margin | 3.8774% | 2,382 |
Noninterest income to average assets | 0.6787% | 2,655 |
Noninterest expense to average assets | 3.2050% | 2,399 |
Loan and lease loss provision to assets | 0.3760% | 823 |
Net operating income to assets | 0.4315% | 5,031 |
Return on assets (ROA) | 0.4315% | 5,151 |
Pretax return on assets | 0.4534% | 5,350 |
Return on Equity (ROE) | 4.4865% | 4,900 |
Retained earnings to average equity (ytd only) | 3.7267% | 3,567 |
Net charge-offs to loans | 1.0204% | 562 |
Credit loss provision to net charge-offs | 50.2431% | 3,809 |
Earnings coverage of net charge-offs (x) | 1.1082% | 4,703 |
Efficiency ratio | 79.4423% | 2,251 |
Assets per employee ($millions) | 4.0130% | 3,838 |
Cash dividends to net income (ytd only)* | 16.9361% | 3,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0374% | 1,469 |
Loan loss allowance to noncurrent loans | 51.7172% | 5,191 |
Noncurrent assets plus other real estate owned to assets | 3.5640% | 808 |
Noncurrent loans to loans | 3.9395% | 744 |
Net loans and leases to total assets | 70.4325% | 1,949 |
Net loans and leases to deposits | 80.3538% | 2,410 |
Net loans and leases to core deposits | 82.5089% | 2,835 |
Total domestic deposits to total assets | 87.6531% | 2,391 |
Equity capital to assets | 9.7827% | 4,061 |
Core capital (leverage) ratio | 8.8501% | 5,212 |
Tier 1 risk-based capital ratio | 11.1500% | 6,096 |
Total risk-based capital ratio | 12.4077% | 6,047 |
Memoranda: | ||
Average total assets | $329,763,800 | 1,957 |
Average earning assets | $285,395,400 | 2,072 |
Average equity | $31,717,200 | 2,145 |
Average total loans | $241,860,200 | 1,711 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5392% | 2,082 |
Cost of funding earning assets | 0.5323% | 3,444 |
Net interest margin | 4.0069% | 1,921 |
Noninterest income to average assets | 0.5914% | 3,206 |
Noninterest expense to average assets | 3.2314% | 2,263 |
Loan and lease loss provision to assets | 0.6485% | 346 |
Net operating income to assets | 0.1820% | 5,959 |
Return on assets (ROA) | 0.1820% | 6,026 |
Pretax return on assets | 0.1929% | 6,049 |
Return on Equity (ROE) | 1.9004% | 5,975 |
Retained earnings to average equity (ytd only) | 1.5068% | 5,378 |
Net charge-offs to loans | 0.9398% | 614 |
Credit loss provision to net charge-offs | 93.6220% | 2,542 |
Earnings coverage of net charge-offs (x) | 1.2147% | 4,436 |
Efficiency ratio | 79.3392% | 2,214 |
Assets per employee ($millions) | 4.1914% | 3,444 |
Cash dividends to net income (ytd only)* | 20.7133% | 3,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4641% | 971 |
Loan loss allowance to noncurrent loans | 68.1472% | 4,488 |
Noncurrent assets plus other real estate owned to assets | 3.2862% | 1,072 |
Noncurrent loans to loans | 3.6158% | 1,036 |
Net loans and leases to total assets | 70.8172% | 1,812 |
Net loans and leases to deposits | 80.4096% | 2,357 |
Net loans and leases to core deposits | 82.4643% | 2,830 |
Total domestic deposits to total assets | 88.0706% | 2,087 |
Equity capital to assets | 9.4705% | 4,589 |
Core capital (leverage) ratio | 8.6916% | 5,548 |
Tier 1 risk-based capital ratio | 10.9824% | 6,290 |
Total risk-based capital ratio | 12.2454% | 6,249 |
Memoranda: | ||
Average total assets | $328,935,000 | 1,971 |
Average earning assets | $285,800,000 | 2,089 |
Average equity | $31,500,500 | 2,177 |
Average total loans | $242,456,500 | 1,708 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6999% | 1,573 |
Cost of funding earning assets | 0.5410% | 3,490 |
Net interest margin | 4.1589% | 1,382 |
Noninterest income to average assets | 0.6010% | 3,183 |
Noninterest expense to average assets | 3.2355% | 2,262 |
Loan and lease loss provision to assets | 0.8935% | 215 |
Net operating income to assets | 0.1004% | 6,133 |
Return on assets (ROA) | 0.1004% | 6,220 |
Pretax return on assets | 0.0991% | 6,230 |
Return on Equity (ROE) | 1.0441% | 6,202 |
Retained earnings to average equity (ytd only) | 0.7449% | 5,604 |
Net charge-offs to loans | 1.4241% | 381 |
Credit loss provision to net charge-offs | 84.6868% | 2,545 |
Earnings coverage of net charge-offs (x) | 0.9408% | 4,215 |
Efficiency ratio | 76.5234% | 2,707 |
Assets per employee ($millions) | 3.8455% | 4,121 |
Cash dividends to net income (ytd only)* | 28.6585% | 2,712 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4583% | 1,031 |
Loan loss allowance to noncurrent loans | 88.1448% | 3,771 |
Noncurrent assets plus other real estate owned to assets | 2.6413% | 1,583 |
Noncurrent loans to loans | 2.7889% | 1,627 |
Net loans and leases to total assets | 71.7852% | 1,614 |
Net loans and leases to deposits | 81.8695% | 2,076 |
Net loans and leases to core deposits | 84.0491% | 2,559 |
Total domestic deposits to total assets | 87.6824% | 2,451 |
Equity capital to assets | 9.7658% | 4,220 |
Core capital (leverage) ratio | 8.9708% | 5,038 |
Tier 1 risk-based capital ratio | 11.2851% | 6,214 |
Total risk-based capital ratio | 12.5485% | 6,168 |
Memoranda: | ||
Average total assets | $326,808,670 | 1,986 |
Average earning assets | $285,027,670 | 2,095 |
Average equity | $31,415,330 | 2,188 |
Average total loans | $242,122,330 | 1,708 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9201% | 1,028 |
Cost of funding earning assets | 0.5593% | 3,483 |
Net interest margin | 4.3608% | 861 |
Noninterest income to average assets | 0.5561% | 3,395 |
Noninterest expense to average assets | 3.3149% | 2,049 |
Loan and lease loss provision to assets | 1.5211% | 92 |
Net operating income to assets | -0.2702% | 6,557 |
Return on assets (ROA) | -0.2702% | 6,592 |
Pretax return on assets | -0.4843% | 6,670 |
Return on Equity (ROE) | -2.8325% | 6,602 |
Retained earnings to average equity (ytd only) | -2.8325% | 6,170 |
Net charge-offs to loans | 1.4784% | 372 |
Credit loss provision to net charge-offs | 138.4275% | 1,447 |
Earnings coverage of net charge-offs (x) | 0.9435% | 3,521 |
Efficiency ratio | 76.1745% | 2,895 |
Assets per employee ($millions) | 3.8992% | 4,161 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6596% | 963 |
Loan loss allowance to noncurrent loans | 81.7790% | 3,893 |
Noncurrent assets plus other real estate owned to assets | 3.1959% | 1,367 |
Noncurrent loans to loans | 3.2522% | 1,498 |
Net loans and leases to total assets | 72.9881% | 1,204 |
Net loans and leases to deposits | 83.0816% | 1,698 |
Net loans and leases to core deposits | 85.2906% | 2,183 |
Total domestic deposits to total assets | 87.8511% | 2,411 |
Equity capital to assets | 9.6525% | 4,638 |
Core capital (leverage) ratio | 8.7501% | 5,259 |
Tier 1 risk-based capital ratio | 10.9905% | 6,411 |
Total risk-based capital ratio | 12.2562% | 6,378 |
Memoranda: | ||
Average total assets | $328,700,500 | 2,003 |
Average earning assets | $286,093,000 | 2,118 |
Average equity | $31,350,000 | 2,219 |
Average total loans | $244,319,500 | 1,701 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6528% | 2,783 |
Cost of funding earning assets | 0.6443% | 3,967 |
Net interest margin | 4.0085% | 2,363 |
Noninterest income to average assets | 0.5802% | 3,388 |
Noninterest expense to average assets | 3.1235% | 2,859 |
Loan and lease loss provision to assets | 0.1366% | 3,917 |
Net operating income to assets | 0.5817% | 4,322 |
Return on assets (ROA) | 0.5817% | 4,585 |
Pretax return on assets | 0.7994% | 4,300 |
Return on Equity (ROE) | 6.4451% | 3,940 |
Retained earnings to average equity (ytd only) | 6.4451% | 1,850 |
Net charge-offs to loans | 0.4260% | 2,532 |
Credit loss provision to net charge-offs | 41.6968% | 4,902 |
Earnings coverage of net charge-offs (x) | 2.8565% | 4,007 |
Efficiency ratio | 76.9433% | 2,601 |
Assets per employee ($millions) | 3.6678% | 4,632 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4828% | 1,146 |
Loan loss allowance to noncurrent loans | 48.2424% | 5,222 |
Noncurrent assets plus other real estate owned to assets | 4.7983% | 828 |
Noncurrent loans to loans | 5.1466% | 755 |
Net loans and leases to total assets | 71.8656% | 1,511 |
Net loans and leases to deposits | 81.5772% | 2,060 |
Net loans and leases to core deposits | 84.0118% | 2,551 |
Total domestic deposits to total assets | 88.0953% | 2,174 |
Equity capital to assets | 9.4261% | 4,967 |
Core capital (leverage) ratio | 8.3885% | 5,770 |
Tier 1 risk-based capital ratio | 10.9061% | 6,385 |
Total risk-based capital ratio | 12.1699% | 6,344 |
Memoranda: | ||
Average total assets | $338,149,200 | 1,916 |
Average earning assets | $293,499,400 | 2,012 |
Average equity | $30,519,200 | 2,218 |
Average total loans | $260,066,600 | 1,592 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7032% | 2,798 |
Cost of funding earning assets | 0.6585% | 4,116 |
Net interest margin | 4.0447% | 2,316 |
Noninterest income to average assets | 0.5880% | 3,361 |
Noninterest expense to average assets | 3.1041% | 2,877 |
Loan and lease loss provision to assets | 0.1415% | 3,764 |
Net operating income to assets | 0.6284% | 4,251 |
Return on assets (ROA) | 0.6284% | 4,506 |
Pretax return on assets | 0.8548% | 4,281 |
Return on Equity (ROE) | 7.0399% | 3,785 |
Retained earnings to average equity (ytd only) | 7.0399% | 2,102 |
Net charge-offs to loans | 0.1533% | 3,891 |
Credit loss provision to net charge-offs | 118.8119% | 2,442 |
Earnings coverage of net charge-offs (x) | 8.3663% | 2,457 |
Efficiency ratio | 75.7021% | 2,720 |
Assets per employee ($millions) | 3.8781% | 4,135 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7250% | 959 |
Loan loss allowance to noncurrent loans | 51.4236% | 5,056 |
Noncurrent assets plus other real estate owned to assets | 5.1539% | 852 |
Noncurrent loans to loans | 5.2991% | 825 |
Net loans and leases to total assets | 71.2215% | 1,690 |
Net loans and leases to deposits | 80.6475% | 2,299 |
Net loans and leases to core deposits | 82.9195% | 2,840 |
Total domestic deposits to total assets | 88.3121% | 1,840 |
Equity capital to assets | 9.1152% | 5,693 |
Core capital (leverage) ratio | 8.0716% | 6,263 |
Tier 1 risk-based capital ratio | 10.4366% | 6,689 |
Total risk-based capital ratio | 11.7035% | 6,663 |
Memoranda: | ||
Average total assets | $339,245,000 | 1,922 |
Average earning assets | $294,603,250 | 2,028 |
Average equity | $30,283,750 | 2,249 |
Average total loans | $263,590,750 | 1,584 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8279% | 2,395 |
Cost of funding earning assets | 0.6717% | 4,261 |
Net interest margin | 4.1562% | 1,882 |
Noninterest income to average assets | 0.5712% | 3,440 |
Noninterest expense to average assets | 3.1054% | 2,914 |
Loan and lease loss provision to assets | 0.2127% | 2,949 |
Net operating income to assets | 0.6226% | 4,265 |
Return on assets (ROA) | 0.6226% | 4,513 |
Pretax return on assets | 0.8536% | 4,265 |
Return on Equity (ROE) | 7.0246% | 3,760 |
Retained earnings to average equity (ytd only) | 7.0246% | 2,083 |
Net charge-offs to loans | 0.0843% | 4,304 |
Credit loss provision to net charge-offs | 318.5841% | 927 |
Earnings coverage of net charge-offs (x) | 15.9735% | 1,619 |
Efficiency ratio | 74.4407% | 3,004 |
Assets per employee ($millions) | 3.7785% | 4,371 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6679% | 1,077 |
Loan loss allowance to noncurrent loans | 53.0629% | 4,952 |
Noncurrent assets plus other real estate owned to assets | 5.2637% | 878 |
Noncurrent loans to loans | 5.0278% | 973 |
Net loans and leases to total assets | 75.0850% | 1,091 |
Net loans and leases to deposits | 84.8734% | 1,736 |
Net loans and leases to core deposits | 87.2364% | 2,289 |
Total domestic deposits to total assets | 88.4670% | 1,841 |
Equity capital to assets | 8.9873% | 5,715 |
Core capital (leverage) ratio | 8.1212% | 6,138 |
Tier 1 risk-based capital ratio | 9.8758% | 6,855 |
Total risk-based capital ratio | 11.1425% | 6,838 |
Memoranda: | ||
Average total assets | $338,568,000 | 1,920 |
Average earning assets | $293,293,670 | 2,025 |
Average equity | $30,009,000 | 2,254 |
Average total loans | $268,164,000 | 1,552 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9708% | 1,992 |
Cost of funding earning assets | 0.6822% | 4,437 |
Net interest margin | 4.2885% | 1,508 |
Noninterest income to average assets | 0.5459% | 3,592 |
Noninterest expense to average assets | 3.1626% | 2,726 |
Loan and lease loss provision to assets | 0.2131% | 2,821 |
Net operating income to assets | 0.5411% | 4,647 |
Return on assets (ROA) | 0.5411% | 4,858 |
Pretax return on assets | 0.8916% | 4,060 |
Return on Equity (ROE) | 6.1483% | 4,215 |
Retained earnings to average equity (ytd only) | 6.1483% | 2,873 |
Net charge-offs to loans | -0.0989% | 6,777 |
Credit loss provision to net charge-offs | -268.6567% | 5,655 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.1121% | 3,087 |
Assets per employee ($millions) | 3.7227% | 4,600 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5978% | 1,228 |
Loan loss allowance to noncurrent loans | 50.5854% | 5,036 |
Noncurrent assets plus other real estate owned to assets | 5.3960% | 926 |
Noncurrent loans to loans | 5.1355% | 1,076 |
Net loans and leases to total assets | 76.6208% | 736 |
Net loans and leases to deposits | 89.2685% | 1,036 |
Net loans and leases to core deposits | 91.8966% | 1,660 |
Total domestic deposits to total assets | 85.8318% | 3,626 |
Equity capital to assets | 8.7468% | 5,813 |
Core capital (leverage) ratio | 8.0573% | 6,204 |
Tier 1 risk-based capital ratio | 9.3125% | 6,992 |
Total risk-based capital ratio | 10.5779% | 6,990 |
Memoranda: | ||
Average total assets | $337,818,000 | 1,936 |
Average earning assets | $293,154,500 | 2,034 |
Average equity | $29,732,000 | 2,280 |
Average total loans | $271,076,500 | 1,547 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0404% | 2,710 |
Cost of funding earning assets | 0.7873% | 4,957 |
Net interest margin | 4.2531% | 1,865 |
Noninterest income to average assets | 0.5218% | 3,706 |
Noninterest expense to average assets | 3.4804% | 2,031 |
Loan and lease loss provision to assets | 2.6405% | 155 |
Net operating income to assets | -1.7316% | 6,968 |
Return on assets (ROA) | -1.7316% | 6,985 |
Pretax return on assets | -1.8831% | 6,999 |
Return on Equity (ROE) | -18.2561% | 6,958 |
Retained earnings to average equity (ytd only) | -18.2561% | 6,943 |
Net charge-offs to loans | 2.7819% | 379 |
Credit loss provision to net charge-offs | 116.5558% | 2,775 |
Earnings coverage of net charge-offs (x) | 0.3343% | 5,572 |
Efficiency ratio | 82.1283% | 2,001 |
Assets per employee ($millions) | 3.5822% | 4,826 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4757% | 1,348 |
Loan loss allowance to noncurrent loans | 52.5734% | 4,883 |
Noncurrent assets plus other real estate owned to assets | 5.2164% | 1,004 |
Noncurrent loans to loans | 4.7090% | 1,245 |
Net loans and leases to total assets | 79.8399% | 514 |
Net loans and leases to deposits | 90.1793% | 1,137 |
Net loans and leases to core deposits | 92.6534% | 1,824 |
Total domestic deposits to total assets | 88.5347% | 1,834 |
Equity capital to assets | 8.8571% | 5,724 |
Core capital (leverage) ratio | 7.6014% | 6,603 |
Tier 1 risk-based capital ratio | 9.1514% | 7,013 |
Total risk-based capital ratio | 10.4158% | 7,012 |
Memoranda: | ||
Average total assets | $358,347,000 | 1,809 |
Average earning assets | $313,088,800 | 1,884 |
Average equity | $33,988,600 | 1,968 |
Average total loans | $291,819,000 | 1,461 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0414% | 2,883 |
Cost of funding earning assets | 0.8074% | 5,097 |
Net interest margin | 4.2340% | 1,972 |
Noninterest income to average assets | 0.5433% | 3,563 |
Noninterest expense to average assets | 3.3675% | 2,286 |
Loan and lease loss provision to assets | 1.3119% | 569 |
Net operating income to assets | -0.2311% | 6,418 |
Return on assets (ROA) | -0.2311% | 6,495 |
Pretax return on assets | -0.4278% | 6,581 |
Return on Equity (ROE) | -2.4001% | 6,517 |
Retained earnings to average equity (ytd only) | -2.4001% | 6,350 |
Net charge-offs to loans | 1.2416% | 1,249 |
Credit loss provision to net charge-offs | 129.9059% | 2,446 |
Earnings coverage of net charge-offs (x) | 0.8755% | 4,961 |
Efficiency ratio | 79.2054% | 2,375 |
Assets per employee ($millions) | 3.7161% | 4,502 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1686% | 1,923 |
Loan loss allowance to noncurrent loans | 48.6120% | 5,107 |
Noncurrent assets plus other real estate owned to assets | 5.1091% | 1,121 |
Noncurrent loans to loans | 4.4611% | 1,446 |
Net loans and leases to total assets | 80.5080% | 469 |
Net loans and leases to deposits | 91.9966% | 1,011 |
Net loans and leases to core deposits | 94.4625% | 1,747 |
Total domestic deposits to total assets | 87.5119% | 2,341 |
Equity capital to assets | 10.0442% | 4,278 |
Core capital (leverage) ratio | 8.6711% | 5,456 |
Tier 1 risk-based capital ratio | 10.4877% | 6,783 |
Total risk-based capital ratio | 11.7484% | 6,767 |
Memoranda: | ||
Average total assets | $364,647,750 | 1,786 |
Average earning assets | $319,375,000 | 1,856 |
Average equity | $35,109,000 | 1,925 |
Average total loans | $296,590,250 | 1,449 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9905% | 3,200 |
Cost of funding earning assets | 0.8174% | 5,259 |
Net interest margin | 4.1731% | 2,148 |
Noninterest income to average assets | 0.5128% | 3,763 |
Noninterest expense to average assets | 3.2762% | 2,646 |
Loan and lease loss provision to assets | 1.6281% | 423 |
Net operating income to assets | -0.4208% | 6,627 |
Return on assets (ROA) | -0.4208% | 6,656 |
Pretax return on assets | -0.7270% | 6,787 |
Return on Equity (ROE) | -4.4309% | 6,675 |
Retained earnings to average equity (ytd only) | -4.4309% | 6,517 |
Net charge-offs to loans | 1.4938% | 995 |
Credit loss provision to net charge-offs | 134.4951% | 2,273 |
Earnings coverage of net charge-offs (x) | 0.7444% | 4,740 |
Efficiency ratio | 78.4281% | 2,643 |
Assets per employee ($millions) | 3.7924% | 4,216 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1007% | 2,123 |
Loan loss allowance to noncurrent loans | 42.7445% | 5,471 |
Noncurrent assets plus other real estate owned to assets | 5.2308% | 1,161 |
Noncurrent loans to loans | 4.9146% | 1,340 |
Net loans and leases to total assets | 79.1072% | 635 |
Net loans and leases to deposits | 89.9078% | 1,279 |
Net loans and leases to core deposits | 92.8779% | 2,031 |
Total domestic deposits to total assets | 87.9870% | 2,144 |
Equity capital to assets | 9.5871% | 4,677 |
Core capital (leverage) ratio | 8.5700% | 5,443 |
Tier 1 risk-based capital ratio | 10.2073% | 6,912 |
Total risk-based capital ratio | 11.4669% | 6,894 |
Memoranda: | ||
Average total assets | $369,758,000 | 1,770 |
Average earning assets | $324,695,670 | 1,834 |
Average equity | $35,116,670 | 1,906 |
Average total loans | $299,633,000 | 1,451 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0264% | 2,977 |
Cost of funding earning assets | 0.8286% | 5,405 |
Net interest margin | 4.1978% | 1,896 |
Noninterest income to average assets | 0.5003% | 3,885 |
Noninterest expense to average assets | 3.1057% | 3,223 |
Loan and lease loss provision to assets | 2.0988% | 255 |
Net operating income to assets | -0.6023% | 6,867 |
Return on assets (ROA) | -0.6023% | 6,871 |
Pretax return on assets | -1.0166% | 7,005 |
Return on Equity (ROE) | -6.3708% | 6,886 |
Retained earnings to average equity (ytd only) | -6.3708% | 6,625 |
Net charge-offs to loans | 0.9499% | 1,408 |
Credit loss provision to net charge-offs | 272.2841% | 1,157 |
Earnings coverage of net charge-offs (x) | 1.4039% | 3,649 |
Efficiency ratio | 74.1605% | 3,485 |
Assets per employee ($millions) | 3.7758% | 4,356 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2331% | 1,884 |
Loan loss allowance to noncurrent loans | 43.9717% | 5,366 |
Noncurrent assets plus other real estate owned to assets | 5.3998% | 1,137 |
Noncurrent loans to loans | 5.0784% | 1,322 |
Net loans and leases to total assets | 79.4339% | 574 |
Net loans and leases to deposits | 90.0191% | 1,224 |
Net loans and leases to core deposits | 93.1760% | 1,991 |
Total domestic deposits to total assets | 88.2412% | 2,233 |
Equity capital to assets | 9.5371% | 4,385 |
Core capital (leverage) ratio | 8.4823% | 5,489 |
Tier 1 risk-based capital ratio | 10.1746% | 6,937 |
Total risk-based capital ratio | 11.4348% | 6,934 |
Memoranda: | ||
Average total assets | $372,601,000 | 1,773 |
Average earning assets | $327,315,000 | 1,831 |
Average equity | $35,223,000 | 1,886 |
Average total loans | $302,356,000 | 1,450 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2281% | 3,474 |
Cost of funding earning assets | 1.0475% | 5,444 |
Net interest margin | 4.1806% | 2,261 |
Noninterest income to average assets | 0.4512% | 4,503 |
Noninterest expense to average assets | 3.2188% | 3,017 |
Loan and lease loss provision to assets | 0.7599% | 2,157 |
Net operating income to assets | 0.1769% | 5,352 |
Return on assets (ROA) | 0.1973% | 5,441 |
Pretax return on assets | 0.2158% | 5,453 |
Return on Equity (ROE) | 2.2301% | 5,291 |
Retained earnings to average equity (ytd only) | 1.4304% | 4,816 |
Net charge-offs to loans | 1.0870% | 2,048 |
Credit loss provision to net charge-offs | 85.1004% | 5,341 |
Earnings coverage of net charge-offs (x) | 1.0675% | 5,042 |
Efficiency ratio | 77.1514% | 2,848 |
Assets per employee ($millions) | 3.8668% | 4,092 |
Cash dividends to net income (ytd only)* | 35.8586% | 2,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7611% | 2,988 |
Loan loss allowance to noncurrent loans | 46.9939% | 5,184 |
Noncurrent assets plus other real estate owned to assets | 4.1697% | 1,608 |
Noncurrent loans to loans | 3.7475% | 1,978 |
Net loans and leases to total assets | 79.6225% | 712 |
Net loans and leases to deposits | 89.9899% | 1,523 |
Net loans and leases to core deposits | 92.7928% | 2,411 |
Total domestic deposits to total assets | 88.4794% | 1,957 |
Equity capital to assets | 9.3723% | 4,583 |
Core capital (leverage) ratio | 8.3222% | 5,655 |
Tier 1 risk-based capital ratio | 10.1226% | 6,920 |
Total risk-based capital ratio | 11.3783% | 6,898 |
Memoranda: | ||
Average total assets | $401,359,000 | 1,648 |
Average earning assets | $357,221,800 | 1,677 |
Average equity | $35,514,000 | 1,863 |
Average total loans | $329,720,600 | 1,358 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1899% | 3,879 |
Cost of funding earning assets | 1.0932% | 5,459 |
Net interest margin | 4.0967% | 2,639 |
Noninterest income to average assets | 0.4400% | 4,638 |
Noninterest expense to average assets | 3.0007% | 3,742 |
Loan and lease loss provision to assets | 0.4423% | 3,262 |
Net operating income to assets | 0.4969% | 4,330 |
Return on assets (ROA) | 0.5193% | 4,401 |
Pretax return on assets | 0.6828% | 4,290 |
Return on Equity (ROE) | 5.9506% | 3,837 |
Retained earnings to average equity (ytd only) | 4.8844% | 3,067 |
Net charge-offs to loans | 0.1543% | 5,076 |
Credit loss provision to net charge-offs | 347.9381% | 908 |
Earnings coverage of net charge-offs (x) | 8.6186% | 2,137 |
Efficiency ratio | 73.2544% | 3,473 |
Assets per employee ($millions) | 4.1511% | 3,543 |
Cash dividends to net income (ytd only)* | 17.9181% | 3,047 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1356% | 1,914 |
Loan loss allowance to noncurrent loans | 38.4324% | 5,751 |
Noncurrent assets plus other real estate owned to assets | 4.8520% | 1,348 |
Noncurrent loans to loans | 5.5567% | 1,187 |
Net loans and leases to total assets | 76.9850% | 1,224 |
Net loans and leases to deposits | 91.7221% | 1,484 |
Net loans and leases to core deposits | 94.9246% | 2,397 |
Total domestic deposits to total assets | 83.9328% | 4,164 |
Equity capital to assets | 8.8256% | 5,814 |
Core capital (leverage) ratio | 8.4716% | 5,559 |
Tier 1 risk-based capital ratio | 9.7704% | 7,166 |
Total risk-based capital ratio | 11.0302% | 7,151 |
Memoranda: | ||
Average total assets | $406,961,750 | 1,650 |
Average earning assets | $363,207,750 | 1,681 |
Average equity | $35,513,500 | 1,884 |
Average total loans | $335,366,500 | 1,346 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2916% | 3,506 |
Cost of funding earning assets | 1.2213% | 5,008 |
Net interest margin | 4.0703% | 2,698 |
Noninterest income to average assets | 0.3935% | 4,956 |
Noninterest expense to average assets | 3.0915% | 3,360 |
Loan and lease loss provision to assets | 0.5917% | 2,418 |
Net operating income to assets | 0.3034% | 5,169 |
Return on assets (ROA) | 0.3313% | 5,214 |
Pretax return on assets | 0.3698% | 5,308 |
Return on Equity (ROE) | 3.8115% | 4,875 |
Retained earnings to average equity (ytd only) | 3.4088% | 3,945 |
Net charge-offs to loans | 0.2222% | 4,271 |
Credit loss provision to net charge-offs | 318.3024% | 1,150 |
Earnings coverage of net charge-offs (x) | 5.0053% | 2,783 |
Efficiency ratio | 76.8665% | 2,920 |
Assets per employee ($millions) | 4.0823% | 3,606 |
Cash dividends to net income (ytd only)* | 10.5655% | 3,152 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0143% | 2,139 |
Loan loss allowance to noncurrent loans | 54.8966% | 4,649 |
Noncurrent assets plus other real estate owned to assets | 3.5890% | 1,956 |
Noncurrent loans to loans | 3.6693% | 2,138 |
Net loans and leases to total assets | 82.2700% | 509 |
Net loans and leases to deposits | 95.0820% | 1,140 |
Net loans and leases to core deposits | 100.0742% | 2,008 |
Total domestic deposits to total assets | 86.5253% | 2,804 |
Equity capital to assets | 8.8939% | 5,614 |
Core capital (leverage) ratio | 8.1859% | 5,964 |
Tier 1 risk-based capital ratio | 9.3663% | 7,314 |
Total risk-based capital ratio | 10.6256% | 7,312 |
Memoranda: | ||
Average total assets | $405,628,330 | 1,673 |
Average earning assets | $361,593,330 | 1,698 |
Average equity | $35,261,330 | 1,893 |
Average total loans | $339,394,330 | 1,345 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3217% | 3,437 |
Cost of funding earning assets | 1.3852% | 4,270 |
Net interest margin | 3.9365% | 3,165 |
Noninterest income to average assets | 0.4731% | 4,264 |
Noninterest expense to average assets | 3.1086% | 3,227 |
Loan and lease loss provision to assets | 0.5876% | 2,154 |
Net operating income to assets | 0.2488% | 5,497 |
Return on assets (ROA) | 0.2488% | 5,620 |
Pretax return on assets | 0.2615% | 5,710 |
Return on Equity (ROE) | 2.8945% | 5,383 |
Retained earnings to average equity (ytd only) | 2.3589% | 4,726 |
Net charge-offs to loans | 0.3037% | 3,204 |
Credit loss provision to net charge-offs | 231.6602% | 1,646 |
Earnings coverage of net charge-offs (x) | 3.3475% | 2,935 |
Efficiency ratio | 78.5449% | 2,806 |
Assets per employee ($millions) | 4.0243% | 3,816 |
Cash dividends to net income (ytd only)* | 18.5039% | 2,259 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8484% | 2,581 |
Loan loss allowance to noncurrent loans | 42.9930% | 5,484 |
Noncurrent assets plus other real estate owned to assets | 4.6837% | 1,416 |
Noncurrent loans to loans | 4.2994% | 1,770 |
Net loans and leases to total assets | 83.7401% | 394 |
Net loans and leases to deposits | 96.7542% | 1,017 |
Net loans and leases to core deposits | 102.4232% | 1,859 |
Total domestic deposits to total assets | 86.5493% | 2,871 |
Equity capital to assets | 8.8383% | 5,484 |
Core capital (leverage) ratio | 7.8245% | 6,465 |
Tier 1 risk-based capital ratio | 8.9707% | 7,482 |
Total risk-based capital ratio | 10.2272% | 7,497 |
Memoranda: | ||
Average total assets | $408,412,000 | 1,704 |
Average earning assets | $361,537,500 | 1,735 |
Average equity | $35,101,500 | 1,920 |
Average total loans | $341,143,500 | 1,378 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6220% | 3,489 |
Cost of funding earning assets | 1.8593% | 3,681 |
Net interest margin | 3.7627% | 3,863 |
Noninterest income to average assets | 0.5137% | 4,303 |
Noninterest expense to average assets | 2.7679% | 5,096 |
Loan and lease loss provision to assets | 1.5719% | 1,462 |
Net operating income to assets | -0.2056% | 5,845 |
Return on assets (ROA) | -0.2056% | 5,838 |
Pretax return on assets | -0.4531% | 5,967 |
Return on Equity (ROE) | -2.3834% | 5,909 |
Retained earnings to average equity (ytd only) | -3.4436% | 5,778 |
Net charge-offs to loans | 0.9708% | 2,464 |
Credit loss provision to net charge-offs | 193.0943% | 2,057 |
Earnings coverage of net charge-offs (x) | 1.3743% | 4,761 |
Efficiency ratio | 71.2148% | 4,407 |
Assets per employee ($millions) | 4.1842% | 3,469 |
Cash dividends to net income (ytd only)* | -44.4836% | 7,802 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7355% | 2,765 |
Loan loss allowance to noncurrent loans | 38.7581% | 5,833 |
Noncurrent assets plus other real estate owned to assets | 4.6408% | 1,378 |
Noncurrent loans to loans | 4.4778% | 1,588 |
Net loans and leases to total assets | 80.4068% | 924 |
Net loans and leases to deposits | 94.9754% | 1,464 |
Net loans and leases to core deposits | 126.4168% | 1,483 |
Total domestic deposits to total assets | 84.6606% | 3,726 |
Equity capital to assets | 8.3626% | 6,109 |
Core capital (leverage) ratio | 7.3900% | 6,902 |
Tier 1 risk-based capital ratio | 8.5628% | 7,575 |
Total risk-based capital ratio | 9.8175% | 7,605 |
Memoranda: | ||
Average total assets | $414,472,800 | 1,666 |
Average earning assets | $371,538,200 | 1,695 |
Average equity | $35,747,200 | 1,885 |
Average total loans | $347,562,800 | 1,391 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6728% | 3,462 |
Cost of funding earning assets | 1.9443% | 3,643 |
Net interest margin | 3.7285% | 3,954 |
Noninterest income to average assets | 0.5111% | 4,399 |
Noninterest expense to average assets | 2.8631% | 4,598 |
Loan and lease loss provision to assets | 0.6288% | 2,876 |
Net operating income to assets | 0.3386% | 4,642 |
Return on assets (ROA) | 0.3386% | 4,742 |
Pretax return on assets | 0.3844% | 4,839 |
Return on Equity (ROE) | 3.8957% | 4,419 |
Retained earnings to average equity (ytd only) | 2.6676% | 3,836 |
Net charge-offs to loans | 0.3669% | 3,815 |
Credit loss provision to net charge-offs | 203.1250% | 2,192 |
Earnings coverage of net charge-offs (x) | 3.2729% | 3,601 |
Efficiency ratio | 73.8624% | 3,881 |
Assets per employee ($millions) | 4.3690% | 3,088 |
Cash dividends to net income (ytd only)* | 31.5235% | 2,822 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0725% | 5,884 |
Loan loss allowance to noncurrent loans | 38.9780% | 5,759 |
Noncurrent assets plus other real estate owned to assets | 3.1285% | 2,185 |
Noncurrent loans to loans | 2.7515% | 2,758 |
Net loans and leases to total assets | 81.6710% | 869 |
Net loans and leases to deposits | 96.7129% | 1,486 |
Net loans and leases to core deposits | 129.4982% | 1,463 |
Total domestic deposits to total assets | 84.4468% | 3,507 |
Equity capital to assets | 8.6313% | 6,069 |
Core capital (leverage) ratio | 8.4300% | 5,619 |
Tier 1 risk-based capital ratio | 9.0732% | 7,591 |
Total risk-based capital ratio | 10.0901% | 7,697 |
Memoranda: | ||
Average total assets | $413,486,000 | 1,686 |
Average earning assets | $373,185,250 | 1,698 |
Average equity | $35,936,250 | 1,893 |
Average total loans | $348,858,500 | 1,402 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7969% | 3,058 |
Cost of funding earning assets | 2.1418% | 3,078 |
Net interest margin | 3.6551% | 4,141 |
Noninterest income to average assets | 0.5154% | 4,308 |
Noninterest expense to average assets | 2.9320% | 4,372 |
Loan and lease loss provision to assets | 0.4650% | 3,199 |
Net operating income to assets | 0.3519% | 4,673 |
Return on assets (ROA) | 0.3519% | 4,787 |
Pretax return on assets | 0.4038% | 4,925 |
Return on Equity (ROE) | 4.0397% | 4,483 |
Retained earnings to average equity (ytd only) | 2.4441% | 3,977 |
Net charge-offs to loans | 0.4958% | 2,846 |
Credit loss provision to net charge-offs | 110.3368% | 4,197 |
Earnings coverage of net charge-offs (x) | 2.0616% | 4,052 |
Efficiency ratio | 77.1410% | 3,487 |
Assets per employee ($millions) | 4.1476% | 3,402 |
Cash dividends to net income (ytd only)* | 39.4993% | 2,451 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8258% | 7,064 |
Loan loss allowance to noncurrent loans | 95.2538% | 3,022 |
Noncurrent assets plus other real estate owned to assets | 1.5669% | 3,878 |
Noncurrent loans to loans | 0.8670% | 5,481 |
Net loans and leases to total assets | 84.5225% | 553 |
Net loans and leases to deposits | 100.5945% | 1,226 |
Net loans and leases to core deposits | 129.4476% | 1,618 |
Total domestic deposits to total assets | 84.0230% | 3,754 |
Equity capital to assets | 8.9255% | 5,415 |
Core capital (leverage) ratio | 7.9920% | 6,347 |
Tier 1 risk-based capital ratio | 9.5923% | 7,318 |
Total risk-based capital ratio | 10.4231% | 7,612 |
Memoranda: | ||
Average total assets | $408,594,000 | 1,719 |
Average earning assets | $367,263,000 | 1,750 |
Average equity | $35,596,330 | 1,911 |
Average total loans | $347,319,670 | 1,435 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7643% | 3,461 |
Cost of funding earning assets | 2.1234% | 3,545 |
Net interest margin | 3.6409% | 4,136 |
Noninterest income to average assets | 0.5152% | 4,180 |
Noninterest expense to average assets | 2.7548% | 4,760 |
Loan and lease loss provision to assets | 0.2208% | 4,244 |
Net operating income to assets | 0.6242% | 3,919 |
Return on assets (ROA) | 0.6242% | 4,098 |
Pretax return on assets | 0.8361% | 3,948 |
Return on Equity (ROE) | 7.2541% | 3,482 |
Retained earnings to average equity (ytd only) | 5.6344% | 2,803 |
Net charge-offs to loans | -0.0474% | 7,681 |
Credit loss provision to net charge-offs | -548.7805% | 6,417 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2709% | 4,142 |
Assets per employee ($millions) | 4.1755% | 3,306 |
Cash dividends to net income (ytd only)* | 22.3270% | 2,513 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8691% | 6,879 |
Loan loss allowance to noncurrent loans | 43.9021% | 5,599 |
Noncurrent assets plus other real estate owned to assets | 1.7516% | 3,295 |
Noncurrent loans to loans | 1.9796% | 3,290 |
Net loans and leases to total assets | 82.1404% | 993 |
Net loans and leases to deposits | 104.2159% | 997 |
Net loans and leases to core deposits | 136.2274% | 1,293 |
Total domestic deposits to total assets | 78.8176% | 5,787 |
Equity capital to assets | 8.6260% | 5,877 |
Core capital (leverage) ratio | 8.4998% | 5,538 |
Tier 1 risk-based capital ratio | 9.5422% | 7,394 |
Total risk-based capital ratio | 10.4166% | 7,694 |
Memoranda: | ||
Average total assets | $407,586,000 | 1,732 |
Average earning assets | $369,030,000 | 1,753 |
Average equity | $35,070,000 | 1,942 |
Average total loans | $346,005,500 | 1,456 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5203% | 2,861 |
Cost of funding earning assets | 2.2853% | 5,225 |
Net interest margin | 4.2350% | 2,180 |
Noninterest income to average assets | 0.5857% | 3,969 |
Noninterest expense to average assets | 4.7469% | 738 |
Loan and lease loss provision to assets | 0.4482% | 3,048 |
Net operating income to assets | -0.4165% | 6,843 |
Return on assets (ROA) | -0.4174% | 6,718 |
Pretax return on assets | -0.7862% | 6,873 |
Return on Equity (ROE) | -4.0876% | 6,754 |
Retained earnings to average equity (ytd only) | -14.9519% | 7,452 |
Net charge-offs to loans | 0.2614% | 3,668 |
Credit loss provision to net charge-offs | 203.2051% | 2,391 |
Earnings coverage of net charge-offs (x) | -1.5256% | 6,666 |
Efficiency ratio | 107.6307% | 767 |
Assets per employee ($millions) | 3.9320% | 3,650 |
Cash dividends to net income (ytd only)* | -265.7859% | 8,227 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8260% | 7,004 |
Loan loss allowance to noncurrent loans | 38.6132% | 6,145 |
Noncurrent assets plus other real estate owned to assets | 1.9673% | 2,501 |
Noncurrent loans to loans | 2.1391% | 2,581 |
Net loans and leases to total assets | 86.3938% | 554 |
Net loans and leases to deposits | 111.0357% | 764 |
Net loans and leases to core deposits | 141.2942% | 1,197 |
Total domestic deposits to total assets | 77.8073% | 5,773 |
Equity capital to assets | 8.5806% | 5,964 |
Core capital (leverage) ratio | 8.3461% | 5,860 |
Tier 1 risk-based capital ratio | 9.1038% | 7,715 |
Total risk-based capital ratio | 9.9488% | 8,020 |
Memoranda: | ||
Average total assets | $353,599,400 | 1,891 |
Average earning assets | $319,339,000 | 1,908 |
Average equity | $36,109,200 | 1,867 |
Average total loans | $298,430,000 | 1,618 |