Home > Eagle Bank > Performance and Condition Ratios
Eagle Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1315% | 1,790 |
Cost of funding earning assets | 0.8727% | 3,577 |
Net interest margin | 4.2588% | 860 |
Noninterest income to average assets | 1.2800% | 464 |
Noninterest expense to average assets | 2.2117% | 3,088 |
Loan and lease loss provision to assets | 0.2400% | 482 |
Net operating income to assets | 2.1250% | 383 |
Return on assets (ROA) | 2.1250% | 376 |
Pretax return on assets | 2.8475% | 238 |
Return on Equity (ROE) | 25.7300% | 286 |
Retained earnings to average equity (ytd only) | 24.3012% | 79 |
Net charge-offs to loans | 0.0205% | 1,930 |
Credit loss provision to net charge-offs | 1,764.7059% | 257 |
Earnings coverage of net charge-offs (x) | 230.0000% | 533 |
Efficiency ratio | 41.7635% | 4,323 |
Assets per employee ($millions) | 7.4132% | 1,795 |
Cash dividends to net income (ytd only)* | 5.5679% | 3,323 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5411% | 185 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 59.2700% | 2,913 |
Net loans and leases to deposits | 65.8252% | 3,179 |
Net loans and leases to core deposits | 94.9558% | 1,713 |
Total domestic deposits to total assets | 90.0400% | 748 |
Equity capital to assets | 9.4517% | 2,386 |
Core capital (leverage) ratio | 10.1130% | 2,683 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $126,779,200 | 3,580 |
Average earning assets | $119,400,200 | 3,549 |
Average equity | $10,468,600 | 3,668 |
Average total loans | $82,815,400 | 3,370 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0126% | 1,803 |
Cost of funding earning assets | 0.8462% | 3,409 |
Net interest margin | 4.1664% | 968 |
Noninterest income to average assets | 1.2200% | 488 |
Noninterest expense to average assets | 2.2272% | 3,004 |
Loan and lease loss provision to assets | 0.2400% | 425 |
Net operating income to assets | 1.9811% | 511 |
Return on assets (ROA) | 1.9811% | 502 |
Pretax return on assets | 2.6780% | 322 |
Return on Equity (ROE) | 24.9500% | 387 |
Retained earnings to average equity (ytd only) | 22.9404% | 169 |
Net charge-offs to loans | 0.0192% | 1,744 |
Credit loss provision to net charge-offs | 1,866.6667% | 254 |
Earnings coverage of net charge-offs (x) | 228.0833% | 543 |
Efficiency ratio | 43.2981% | 4,260 |
Assets per employee ($millions) | 7.9151% | 1,390 |
Cash dividends to net income (ytd only)* | 8.0689% | 2,838 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3593% | 244 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 61.2400% | 2,726 |
Net loans and leases to deposits | 66.5052% | 3,087 |
Net loans and leases to core deposits | 100.5454% | 1,289 |
Total domestic deposits to total assets | 92.0800% | 438 |
Equity capital to assets | 7.4266% | 3,398 |
Core capital (leverage) ratio | 9.2060% | 3,591 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $125,114,750 | 3,617 |
Average earning assets | $117,700,250 | 3,583 |
Average equity | $9,932,750 | 3,732 |
Average total loans | $83,233,000 | 3,377 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8785% | 1,815 |
Cost of funding earning assets | 0.8294% | 3,132 |
Net interest margin | 4.0491% | 1,154 |
Noninterest income to average assets | 1.2500% | 419 |
Noninterest expense to average assets | 2.1924% | 3,101 |
Loan and lease loss provision to assets | 0.2400% | 414 |
Net operating income to assets | 1.9399% | 518 |
Return on assets (ROA) | 1.9399% | 517 |
Pretax return on assets | 2.6154% | 306 |
Return on Equity (ROE) | 23.8700% | 438 |
Retained earnings to average equity (ytd only) | 23.8685% | 145 |
Net charge-offs to loans | 0.0652% | 904 |
Credit loss provision to net charge-offs | 551.8519% | 608 |
Earnings coverage of net charge-offs (x) | 64.5926% | 1,159 |
Efficiency ratio | 43.3950% | 4,286 |
Assets per employee ($millions) | 7.3805% | 1,680 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1772% | 318 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 68.0400% | 1,955 |
Net loans and leases to deposits | 74.7463% | 2,424 |
Net loans and leases to core deposits | 114.4821% | 671 |
Total domestic deposits to total assets | 91.0300% | 640 |
Equity capital to assets | 8.3614% | 2,981 |
Core capital (leverage) ratio | 9.4855% | 3,263 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $121,967,667 | 3,658 |
Average earning assets | $114,543,000 | 3,629 |
Average equity | $9,912,667 | 3,754 |
Average total loans | $82,847,667 | 3,382 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7392% | 1,758 |
Cost of funding earning assets | 0.7798% | 2,803 |
Net interest margin | 3.9594% | 1,349 |
Noninterest income to average assets | 1.2200% | 434 |
Noninterest expense to average assets | 2.1228% | 3,324 |
Loan and lease loss provision to assets | 0.2500% | 378 |
Net operating income to assets | 1.8167% | 650 |
Return on assets (ROA) | 1.8167% | 639 |
Pretax return on assets | 2.5654% | 331 |
Return on Equity (ROE) | 22.6900% | 530 |
Retained earnings to average equity (ytd only) | 22.6944% | 259 |
Net charge-offs to loans | 0.2034% | 359 |
Credit loss provision to net charge-offs | 180.4878% | 870 |
Earnings coverage of net charge-offs (x) | 20.6098% | 1,443 |
Efficiency ratio | 43.0209% | 4,341 |
Assets per employee ($millions) | 7.1094% | 1,891 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1953% | 326 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 66.8000% | 1,973 |
Net loans and leases to deposits | 73.3147% | 2,359 |
Net loans and leases to core deposits | 109.0431% | 734 |
Total domestic deposits to total assets | 91.1100% | 764 |
Equity capital to assets | 8.3071% | 3,032 |
Core capital (leverage) ratio | 9.3566% | 3,340 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $120,217,000 | 3,719 |
Average earning assets | $112,846,000 | 3,688 |
Average equity | $9,623,500 | 3,828 |
Average total loans | $80,638,000 | 3,440 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3457% | 974 |
Cost of funding earning assets | 0.2196% | 3,602 |
Net interest margin | 4.1260% | 626 |
Noninterest income to average assets | 0.7100% | 1,267 |
Noninterest expense to average assets | 2.3479% | 2,588 |
Loan and lease loss provision to assets | 0.2900% | 299 |
Net operating income to assets | 1.4163% | 1,090 |
Return on assets (ROA) | 1.4163% | 1,057 |
Pretax return on assets | 1.9202% | 555 |
Return on Equity (ROE) | 15.9800% | 1,059 |
Retained earnings to average equity (ytd only) | 14.3680% | 341 |
Net charge-offs to loans | 0.0086% | 2,068 |
Credit loss provision to net charge-offs | 5,000.0000% | 138 |
Earnings coverage of net charge-offs (x) | 386.0000% | 401 |
Efficiency ratio | 51.5583% | 4,024 |
Assets per employee ($millions) | 7.4734% | 1,636 |
Cash dividends to net income (ytd only)* | 10.0874% | 3,232 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2595% | 286 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 64.3600% | 2,214 |
Net loans and leases to deposits | 69.9746% | 2,584 |
Net loans and leases to core deposits | 100.8677% | 950 |
Total domestic deposits to total assets | 91.9700% | 649 |
Equity capital to assets | 7.6998% | 3,256 |
Core capital (leverage) ratio | 9.4109% | 3,237 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $104,988,800 | 3,886 |
Average earning assets | $97,890,400 | 3,856 |
Average equity | $9,305,400 | 3,964 |
Average total loans | $69,479,000 | 3,588 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2981% | 743 |
Cost of funding earning assets | 0.1101% | 4,199 |
Net interest margin | 4.1880% | 432 |
Noninterest income to average assets | 0.6400% | 1,548 |
Noninterest expense to average assets | 2.3905% | 2,368 |
Loan and lease loss provision to assets | 0.3000% | 236 |
Net operating income to assets | 1.3367% | 1,248 |
Return on assets (ROA) | 1.3367% | 1,225 |
Pretax return on assets | 1.8577% | 649 |
Return on Equity (ROE) | 14.5200% | 1,284 |
Retained earnings to average equity (ytd only) | 12.3755% | 716 |
Net charge-offs to loans | 0.0179% | 1,487 |
Credit loss provision to net charge-offs | 2,500.0000% | 205 |
Earnings coverage of net charge-offs (x) | 181.8889% | 658 |
Efficiency ratio | 52.6057% | 3,961 |
Assets per employee ($millions) | 6.6773% | 2,177 |
Cash dividends to net income (ytd only)* | 14.7638% | 2,677 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2622% | 313 |
Loan loss allowance to noncurrent loans | 2,395.7746% | 489 |
Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,227 |
Noncurrent loans to loans | 0.0944% | 3,205 |
Net loans and leases to total assets | 68.7900% | 1,584 |
Net loans and leases to deposits | 74.9829% | 1,963 |
Net loans and leases to core deposits | 90.6668% | 1,260 |
Total domestic deposits to total assets | 91.7400% | 957 |
Equity capital to assets | 7.6192% | 3,143 |
Core capital (leverage) ratio | 9.4362% | 3,134 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $101,342,500 | 3,939 |
Average earning assets | $94,427,000 | 3,918 |
Average equity | $9,330,000 | 4,001 |
Average total loans | $67,165,000 | 3,640 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1979% | 631 |
Cost of funding earning assets | 0.0582% | 4,542 |
Net interest margin | 4.1397% | 376 |
Noninterest income to average assets | 0.5246% | 2,065 |
Noninterest expense to average assets | 2.4841% | 1,977 |
Loan and lease loss provision to assets | 0.2995% | 220 |
Net operating income to assets | 1.2019% | 1,421 |
Return on assets (ROA) | 1.2019% | 1,406 |
Pretax return on assets | 1.6038% | 930 |
Return on Equity (ROE) | 12.2961% | 1,585 |
Retained earnings to average equity (ytd only) | 12.2961% | 559 |
Net charge-offs to loans | 0.0403% | 984 |
Credit loss provision to net charge-offs | 1,146.1538% | 369 |
Earnings coverage of net charge-offs (x) | 72.8462% | 981 |
Efficiency ratio | 56.6193% | 3,712 |
Assets per employee ($millions) | 6.0942% | 2,658 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3411% | 308 |
Loan loss allowance to noncurrent loans | 2,283.0986% | 504 |
Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,291 |
Noncurrent loans to loans | 0.1025% | 3,241 |
Net loans and leases to total assets | 65.2696% | 1,783 |
Net loans and leases to deposits | 71.5995% | 2,062 |
Net loans and leases to core deposits | 79.6786% | 1,738 |
Total domestic deposits to total assets | 91.1594% | 1,160 |
Equity capital to assets | 8.5762% | 2,703 |
Core capital (leverage) ratio | 10.8517% | 1,708 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $99,511,333 | 3,998 |
Average earning assets | $92,856,000 | 3,981 |
Average equity | $9,726,667 | 4,028 |
Average total loans | $64,489,667 | 3,719 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0645% | 677 |
Cost of funding earning assets | 0.0527% | 4,582 |
Net interest margin | 4.0118% | 405 |
Noninterest income to average assets | 0.5048% | 2,120 |
Noninterest expense to average assets | 2.5855% | 1,649 |
Loan and lease loss provision to assets | 0.3037% | 204 |
Net operating income to assets | 0.9480% | 2,081 |
Return on assets (ROA) | 0.9480% | 2,072 |
Pretax return on assets | 1.3625% | 1,351 |
Return on Equity (ROE) | 9.1057% | 2,280 |
Retained earnings to average equity (ytd only) | 9.1057% | 1,242 |
Net charge-offs to loans | 0.0515% | 775 |
Credit loss provision to net charge-offs | 925.0000% | 355 |
Earnings coverage of net charge-offs (x) | 50.7500% | 921 |
Efficiency ratio | 60.8108% | 3,397 |
Assets per employee ($millions) | 5.7304% | 3,084 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5326% | 279 |
Loan loss allowance to noncurrent loans | 2,184.5070% | 517 |
Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,344 |
Noncurrent loans to loans | 0.1159% | 3,248 |
Net loans and leases to total assets | 61.2733% | 1,936 |
Net loans and leases to deposits | 68.2780% | 2,124 |
Net loans and leases to core deposits | 72.8131% | 2,040 |
Total domestic deposits to total assets | 89.7409% | 1,698 |
Equity capital to assets | 9.8238% | 2,035 |
Core capital (leverage) ratio | 11.0377% | 1,497 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $97,466,500 | 4,027 |
Average earning assets | $91,032,000 | 4,014 |
Average equity | $10,147,500 | 4,036 |
Average total loans | $62,114,000 | 3,759 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5357% | 569 |
Cost of funding earning assets | 0.0704% | 4,587 |
Net interest margin | 4.4653% | 294 |
Noninterest income to average assets | 0.8331% | 1,366 |
Noninterest expense to average assets | 2.6446% | 1,765 |
Loan and lease loss provision to assets | 0.3140% | 252 |
Net operating income to assets | 1.5235% | 972 |
Return on assets (ROA) | 1.5301% | 994 |
Pretax return on assets | 2.0628% | 542 |
Return on Equity (ROE) | 14.1008% | 1,156 |
Retained earnings to average equity (ytd only) | 12.6541% | 449 |
Net charge-offs to loans | -0.0082% | 3,678 |
Credit loss provision to net charge-offs | -6,000.0000% | 4,185 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.7557% | 4,057 |
Assets per employee ($millions) | 5.4176% | 3,338 |
Cash dividends to net income (ytd only)* | 10.2599% | 3,351 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3576% | 354 |
Loan loss allowance to noncurrent loans | 11,423.0769% | 132 |
Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,009 |
Noncurrent loans to loans | 0.0206% | 3,919 |
Net loans and leases to total assets | 63.0680% | 1,815 |
Net loans and leases to deposits | 71.2356% | 1,987 |
Net loans and leases to core deposits | 76.0298% | 1,919 |
Total domestic deposits to total assets | 88.5343% | 1,773 |
Equity capital to assets | 10.9981% | 1,793 |
Core capital (leverage) ratio | 10.5927% | 1,846 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $95,551,400 | 4,035 |
Average earning assets | $89,445,400 | 4,030 |
Average equity | $10,368,200 | 4,088 |
Average total loans | $61,219,600 | 3,794 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5854% | 586 |
Cost of funding earning assets | 0.0765% | 4,652 |
Net interest margin | 4.5089% | 308 |
Noninterest income to average assets | 0.9383% | 1,176 |
Noninterest expense to average assets | 2.6439% | 1,721 |
Loan and lease loss provision to assets | 0.3156% | 243 |
Net operating income to assets | 1.5761% | 1,086 |
Return on assets (ROA) | 1.5849% | 1,116 |
Pretax return on assets | 2.2049% | 539 |
Return on Equity (ROE) | 14.6573% | 1,210 |
Retained earnings to average equity (ytd only) | 12.7117% | 681 |
Net charge-offs to loans | -0.0088% | 3,618 |
Credit loss provision to net charge-offs | -5,625.0000% | 4,146 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.3065% | 4,096 |
Assets per employee ($millions) | 5.5171% | 3,181 |
Cash dividends to net income (ytd only)* | 13.2743% | 2,840 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3200% | 377 |
Loan loss allowance to noncurrent loans | 10,057.1429% | 131 |
Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,126 |
Noncurrent loans to loans | 0.0231% | 4,034 |
Net loans and leases to total assets | 59.6951% | 2,302 |
Net loans and leases to deposits | 67.7431% | 2,461 |
Net loans and leases to core deposits | 81.0794% | 1,644 |
Total domestic deposits to total assets | 88.1198% | 1,764 |
Equity capital to assets | 10.6497% | 2,321 |
Core capital (leverage) ratio | 10.2231% | 2,293 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $95,060,000 | 4,093 |
Average earning assets | $88,859,250 | 4,082 |
Average equity | $10,279,000 | 4,153 |
Average total loans | $60,777,750 | 3,854 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6908% | 536 |
Cost of funding earning assets | 0.0846% | 4,670 |
Net interest margin | 4.6063% | 304 |
Noninterest income to average assets | 0.9440% | 1,168 |
Noninterest expense to average assets | 2.6569% | 1,701 |
Loan and lease loss provision to assets | 0.3182% | 256 |
Net operating income to assets | 1.6203% | 1,010 |
Return on assets (ROA) | 1.6338% | 1,027 |
Pretax return on assets | 2.2895% | 488 |
Return on Equity (ROE) | 15.0295% | 1,151 |
Retained earnings to average equity (ytd only) | 15.0295% | 424 |
Net charge-offs to loans | -0.0395% | 4,268 |
Credit loss provision to net charge-offs | -1,241.6667% | 3,722 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.6309% | 4,178 |
Assets per employee ($millions) | 4.9815% | 3,672 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1992% | 426 |
Loan loss allowance to noncurrent loans | 8,375.0000% | 129 |
Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,171 |
Noncurrent loans to loans | 0.0263% | 4,087 |
Net loans and leases to total assets | 62.9589% | 2,068 |
Net loans and leases to deposits | 72.2732% | 2,184 |
Net loans and leases to core deposits | 88.0818% | 1,263 |
Total domestic deposits to total assets | 87.1124% | 2,259 |
Equity capital to assets | 10.9932% | 1,978 |
Core capital (leverage) ratio | 10.4253% | 2,020 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $93,644,000 | 4,130 |
Average earning assets | $87,489,667 | 4,121 |
Average equity | $10,180,000 | 4,179 |
Average total loans | $60,807,000 | 3,880 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4985% | 776 |
Cost of funding earning assets | 0.0922% | 4,691 |
Net interest margin | 4.4063% | 421 |
Noninterest income to average assets | 1.0779% | 1,015 |
Noninterest expense to average assets | 2.5853% | 1,917 |
Loan and lease loss provision to assets | 0.3178% | 280 |
Net operating income to assets | 1.4687% | 1,398 |
Return on assets (ROA) | 1.4687% | 1,462 |
Pretax return on assets | 2.2804% | 603 |
Return on Equity (ROE) | 13.5883% | 1,518 |
Retained earnings to average equity (ytd only) | 13.5883% | 802 |
Net charge-offs to loans | -0.0198% | 3,991 |
Credit loss provision to net charge-offs | -2,466.6667% | 3,588 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.8757% | 4,190 |
Assets per employee ($millions) | 5.2544% | 3,378 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0272% | 565 |
Loan loss allowance to noncurrent loans | 494.4882% | 1,193 |
Noncurrent assets plus other real estate owned to assets | 0.2686% | 2,811 |
Noncurrent loans to loans | 0.4100% | 2,638 |
Net loans and leases to total assets | 64.1813% | 2,018 |
Net loans and leases to deposits | 73.3869% | 2,171 |
Net loans and leases to core deposits | 82.1908% | 1,822 |
Total domestic deposits to total assets | 87.4560% | 2,117 |
Equity capital to assets | 10.7159% | 2,067 |
Core capital (leverage) ratio | 10.0755% | 2,464 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $93,141,500 | 4,150 |
Average earning assets | $86,785,000 | 4,135 |
Average equity | $10,067,500 | 4,211 |
Average total loans | $60,745,500 | 3,904 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1215% | 392 |
Cost of funding earning assets | 0.1637% | 4,692 |
Net interest margin | 4.9577% | 131 |
Noninterest income to average assets | 0.9357% | 1,182 |
Noninterest expense to average assets | 2.8581% | 1,795 |
Loan and lease loss provision to assets | 0.4861% | 529 |
Net operating income to assets | 1.6380% | 589 |
Return on assets (ROA) | 1.7888% | 431 |
Pretax return on assets | 2.4182% | 211 |
Return on Equity (ROE) | 16.1464% | 486 |
Retained earnings to average equity (ytd only) | 14.8301% | 161 |
Net charge-offs to loans | -0.0248% | 4,483 |
Credit loss provision to net charge-offs | -2,857.1429% | 4,250 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.2977% | 4,438 |
Assets per employee ($millions) | 5.3944% | 2,962 |
Cash dividends to net income (ytd only)* | 8.1522% | 3,592 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9804% | 616 |
Loan loss allowance to noncurrent loans | 6,205.2632% | 174 |
Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,292 |
Noncurrent loans to loans | 0.0319% | 4,184 |
Net loans and leases to total assets | 63.6330% | 2,411 |
Net loans and leases to deposits | 72.3179% | 2,651 |
Net loans and leases to core deposits | 93.4771% | 1,275 |
Total domestic deposits to total assets | 87.9907% | 1,477 |
Equity capital to assets | 10.9046% | 2,335 |
Core capital (leverage) ratio | 10.0769% | 2,533 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $82,291,600 | 4,219 |
Average earning assets | $76,950,600 | 4,203 |
Average equity | $9,116,600 | 4,300 |
Average total loans | $56,356,000 | 3,974 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2103% | 405 |
Cost of funding earning assets | 0.1860% | 4,713 |
Net interest margin | 5.0243% | 134 |
Noninterest income to average assets | 0.9824% | 1,053 |
Noninterest expense to average assets | 2.9238% | 1,636 |
Loan and lease loss provision to assets | 0.5104% | 567 |
Net operating income to assets | 1.6312% | 676 |
Return on assets (ROA) | 1.8380% | 461 |
Pretax return on assets | 2.4969% | 212 |
Return on Equity (ROE) | 16.5168% | 491 |
Retained earnings to average equity (ytd only) | 14.7183% | 212 |
Net charge-offs to loans | -0.0144% | 4,319 |
Credit loss provision to net charge-offs | -5,100.0000% | 4,243 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.5740% | 4,375 |
Assets per employee ($millions) | 5.7667% | 2,485 |
Cash dividends to net income (ytd only)* | 10.8893% | 3,116 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7906% | 740 |
Loan loss allowance to noncurrent loans | 3,590.0000% | 224 |
Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,294 |
Noncurrent loans to loans | 0.0499% | 4,174 |
Net loans and leases to total assets | 64.0207% | 2,768 |
Net loans and leases to deposits | 71.9971% | 3,131 |
Net loans and leases to core deposits | 96.4534% | 1,418 |
Total domestic deposits to total assets | 88.9213% | 803 |
Equity capital to assets | 10.3786% | 2,894 |
Core capital (leverage) ratio | 9.6069% | 3,152 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $79,938,500 | 4,252 |
Average earning assets | $74,568,500 | 4,238 |
Average equity | $8,895,750 | 4,342 |
Average total loans | $55,561,750 | 4,012 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1930% | 577 |
Cost of funding earning assets | 0.2210% | 4,703 |
Net interest margin | 4.9720% | 217 |
Noninterest income to average assets | 0.9258% | 1,110 |
Noninterest expense to average assets | 3.0648% | 1,430 |
Loan and lease loss provision to assets | 0.2954% | 1,457 |
Net operating income to assets | 1.6827% | 637 |
Return on assets (ROA) | 2.0098% | 364 |
Pretax return on assets | 2.6085% | 179 |
Return on Equity (ROE) | 17.5799% | 406 |
Retained earnings to average equity (ytd only) | 14.8114% | 230 |
Net charge-offs to loans | -0.0111% | 4,228 |
Credit loss provision to net charge-offs | -3,733.3333% | 4,042 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.1757% | 4,042 |
Assets per employee ($millions) | 4.9564% | 3,223 |
Cash dividends to net income (ytd only)* | 15.7480% | 2,900 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5259% | 1,193 |
Loan loss allowance to noncurrent loans | 2,588.2353% | 239 |
Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,337 |
Noncurrent loans to loans | 0.0590% | 4,239 |
Net loans and leases to total assets | 67.4017% | 2,439 |
Net loans and leases to deposits | 75.9973% | 2,866 |
Net loans and leases to core deposits | 110.3250% | 727 |
Total domestic deposits to total assets | 88.6896% | 869 |
Equity capital to assets | 10.7834% | 2,501 |
Core capital (leverage) ratio | 11.3024% | 1,763 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $75,829,000 | 4,310 |
Average earning assets | $70,594,667 | 4,301 |
Average equity | $8,669,000 | 4,379 |
Average total loans | $54,033,333 | 4,058 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3278% | 525 |
Cost of funding earning assets | 0.3070% | 4,639 |
Net interest margin | 5.0208% | 185 |
Noninterest income to average assets | 0.9607% | 933 |
Noninterest expense to average assets | 3.0944% | 1,654 |
Loan and lease loss provision to assets | 0.2737% | 1,144 |
Net operating income to assets | 1.5805% | 648 |
Return on assets (ROA) | 2.2733% | 176 |
Pretax return on assets | 3.1279% | 78 |
Return on Equity (ROE) | 19.2424% | 201 |
Retained earnings to average equity (ytd only) | 19.2424% | 73 |
Net charge-offs to loans | 0.0077% | 2,289 |
Credit loss provision to net charge-offs | 4,900.0000% | 171 |
Earnings coverage of net charge-offs (x) | 452.0000% | 142 |
Efficiency ratio | 55.0696% | 4,300 |
Assets per employee ($millions) | 4.8491% | 2,816 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4924% | 1,371 |
Loan loss allowance to noncurrent loans | 2,322.8571% | 260 |
Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,363 |
Noncurrent loans to loans | 0.0642% | 4,281 |
Net loans and leases to total assets | 73.7781% | 1,648 |
Net loans and leases to deposits | 84.4544% | 2,173 |
Net loans and leases to core deposits | 116.4028% | 576 |
Total domestic deposits to total assets | 87.3586% | 1,400 |
Equity capital to assets | 11.9911% | 2,079 |
Core capital (leverage) ratio | 12.1995% | 1,618 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $71,614,000 | 4,386 |
Average earning assets | $66,443,500 | 4,377 |
Average equity | $8,460,500 | 4,432 |
Average total loans | $52,214,000 | 4,109 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2352% | 923 |
Cost of funding earning assets | 0.4148% | 4,396 |
Net interest margin | 4.8204% | 382 |
Noninterest income to average assets | 1.0677% | 833 |
Noninterest expense to average assets | 3.1078% | 1,738 |
Loan and lease loss provision to assets | 0.2563% | 701 |
Net operating income to assets | 1.7037% | 650 |
Return on assets (ROA) | 1.7106% | 687 |
Pretax return on assets | 2.1881% | 392 |
Return on Equity (ROE) | 15.6505% | 583 |
Retained earnings to average equity (ytd only) | 14.3106% | 111 |
Net charge-offs to loans | 0.0987% | 1,738 |
Credit loss provision to net charge-offs | 380.4348% | 735 |
Earnings coverage of net charge-offs (x) | 36.1522% | 1,400 |
Efficiency ratio | 56.0634% | 4,190 |
Assets per employee ($millions) | 4.6994% | 2,948 |
Cash dividends to net income (ytd only)* | 8.5616% | 3,788 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5315% | 1,137 |
Loan loss allowance to noncurrent loans | 2,067.5676% | 308 |
Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,369 |
Noncurrent loans to loans | 0.0741% | 4,230 |
Net loans and leases to total assets | 69.7763% | 2,434 |
Net loans and leases to deposits | 79.4245% | 2,847 |
Net loans and leases to core deposits | 117.8418% | 542 |
Total domestic deposits to total assets | 87.8523% | 1,197 |
Equity capital to assets | 11.6313% | 2,396 |
Core capital (leverage) ratio | 11.1760% | 2,359 |
Tier 1 risk-based capital ratio | 14.2170% | 3,161 |
Total risk-based capital ratio | 15.4676% | 3,074 |
Memoranda: | ||
Average total assets | $68,279,800 | 4,459 |
Average earning assets | $63,397,400 | 4,449 |
Average equity | $7,463,000 | 4,579 |
Average total loans | $46,588,800 | 4,247 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1317% | 1,204 |
Cost of funding earning assets | 0.4324% | 4,393 |
Net interest margin | 4.6993% | 502 |
Noninterest income to average assets | 1.0552% | 827 |
Noninterest expense to average assets | 3.0278% | 1,901 |
Loan and lease loss provision to assets | 0.2579% | 620 |
Net operating income to assets | 1.6278% | 868 |
Return on assets (ROA) | 1.6340% | 900 |
Pretax return on assets | 2.1419% | 505 |
Return on Equity (ROE) | 15.2032% | 737 |
Retained earnings to average equity (ytd only) | 13.3715% | 241 |
Net charge-offs to loans | 0.0262% | 2,568 |
Credit loss provision to net charge-offs | 1,455.5556% | 256 |
Earnings coverage of net charge-offs (x) | 134.9967% | 588 |
Efficiency ratio | 55.8663% | 4,181 |
Assets per employee ($millions) | 4.3289% | 3,442 |
Cash dividends to net income (ytd only)* | 12.0482% | 3,313 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5426% | 1,134 |
Loan loss allowance to noncurrent loans | 1,645.6522% | 386 |
Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,381 |
Noncurrent loans to loans | 0.0937% | 4,227 |
Net loans and leases to total assets | 69.7559% | 2,506 |
Net loans and leases to deposits | 79.3402% | 2,969 |
Net loans and leases to core deposits | 120.1716% | 532 |
Total domestic deposits to total assets | 87.9200% | 1,064 |
Equity capital to assets | 11.3856% | 2,752 |
Core capital (leverage) ratio | 11.2239% | 2,444 |
Tier 1 risk-based capital ratio | 14.1477% | 3,257 |
Total risk-based capital ratio | 15.3991% | 3,161 |
Memoranda: | ||
Average total assets | $67,727,000 | 4,521 |
Average earning assets | $62,902,000 | 4,513 |
Average equity | $7,279,000 | 4,660 |
Average total loans | $45,748,250 | 4,319 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1027% | 1,215 |
Cost of funding earning assets | 0.4554% | 4,304 |
Net interest margin | 4.6473% | 556 |
Noninterest income to average assets | 0.9938% | 882 |
Noninterest expense to average assets | 2.9398% | 2,168 |
Loan and lease loss provision to assets | 0.2589% | 589 |
Net operating income to assets | 1.5617% | 984 |
Return on assets (ROA) | 1.5711% | 1,010 |
Pretax return on assets | 2.1186% | 526 |
Return on Equity (ROE) | 14.9223% | 776 |
Retained earnings to average equity (ytd only) | 12.0961% | 396 |
Net charge-offs to loans | 0.0134% | 2,653 |
Credit loss provision to net charge-offs | 2,900.0000% | 132 |
Earnings coverage of net charge-offs (x) | 265.0000% | 305 |
Efficiency ratio | 55.4122% | 4,323 |
Assets per employee ($millions) | 4.3013% | 3,429 |
Cash dividends to net income (ytd only)* | 18.9394% | 3,057 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5242% | 1,201 |
Loan loss allowance to noncurrent loans | 1,753.6585% | 381 |
Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,457 |
Noncurrent loans to loans | 0.0869% | 4,291 |
Net loans and leases to total assets | 67.4983% | 2,888 |
Net loans and leases to deposits | 76.2037% | 3,311 |
Net loans and leases to core deposits | 122.4187% | 474 |
Total domestic deposits to total assets | 88.5762% | 843 |
Equity capital to assets | 10.8150% | 3,253 |
Core capital (leverage) ratio | 10.5702% | 3,014 |
Tier 1 risk-based capital ratio | 14.5643% | 3,035 |
Total risk-based capital ratio | 15.8157% | 2,956 |
Memoranda: | ||
Average total assets | $67,215,000 | 4,563 |
Average earning assets | $62,358,670 | 4,551 |
Average equity | $7,076,670 | 4,715 |
Average total loans | $44,640,330 | 4,372 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9137% | 1,557 |
Cost of funding earning assets | 0.4615% | 4,235 |
Net interest margin | 4.4522% | 811 |
Noninterest income to average assets | 0.7830% | 1,329 |
Noninterest expense to average assets | 2.8971% | 2,287 |
Loan and lease loss provision to assets | 0.2590% | 554 |
Net operating income to assets | 1.2287% | 1,954 |
Return on assets (ROA) | 1.2287% | 2,003 |
Pretax return on assets | 1.7527% | 1,092 |
Return on Equity (ROE) | 11.8372% | 1,596 |
Retained earnings to average equity (ytd only) | 11.8372% | 640 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.0184% | 3,948 |
Assets per employee ($millions) | 4.4499% | 3,256 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5233% | 1,266 |
Loan loss allowance to noncurrent loans | 1,442.5532% | 432 |
Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,465 |
Noncurrent loans to loans | 0.1056% | 4,263 |
Net loans and leases to total assets | 65.6669% | 3,102 |
Net loans and leases to deposits | 74.1457% | 3,438 |
Net loans and leases to core deposits | 114.1964% | 731 |
Total domestic deposits to total assets | 88.5646% | 1,053 |
Equity capital to assets | 10.6279% | 3,225 |
Core capital (leverage) ratio | 10.3976% | 3,169 |
Tier 1 risk-based capital ratio | 14.6724% | 3,023 |
Total risk-based capital ratio | 15.9233% | 2,946 |
Memoranda: | ||
Average total assets | $66,412,000 | 4,633 |
Average earning assets | $61,542,000 | 4,624 |
Average equity | $6,893,500 | 4,775 |
Average total loans | $43,374,500 | 4,447 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7377% | 1,713 |
Cost of funding earning assets | 0.3872% | 4,067 |
Net interest margin | 4.3505% | 1,033 |
Noninterest income to average assets | 0.7823% | 1,514 |
Noninterest expense to average assets | 2.7315% | 2,926 |
Loan and lease loss provision to assets | 0.2235% | 800 |
Net operating income to assets | 1.3921% | 1,455 |
Return on assets (ROA) | 1.3933% | 1,449 |
Pretax return on assets | 1.8642% | 785 |
Return on Equity (ROE) | 15.1089% | 804 |
Retained earnings to average equity (ytd only) | 14.2686% | 150 |
Net charge-offs to loans | 0.1180% | 1,563 |
Credit loss provision to net charge-offs | 312.5000% | 997 |
Earnings coverage of net charge-offs (x) | 29.1667% | 1,631 |
Efficiency ratio | 56.6966% | 4,321 |
Assets per employee ($millions) | 4.7196% | 2,842 |
Cash dividends to net income (ytd only)* | 5.5615% | 3,931 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5033% | 1,278 |
Loan loss allowance to noncurrent loans | 407.0513% | 1,289 |
Noncurrent assets plus other real estate owned to assets | 0.2361% | 3,654 |
Noncurrent loans to loans | 0.3693% | 3,215 |
Net loans and leases to total assets | 62.9648% | 3,470 |
Net loans and leases to deposits | 70.5236% | 3,794 |
Net loans and leases to core deposits | 99.5454% | 1,749 |
Total domestic deposits to total assets | 89.2819% | 744 |
Equity capital to assets | 10.1294% | 3,542 |
Core capital (leverage) ratio | 10.0208% | 3,553 |
Tier 1 risk-based capital ratio | 14.9011% | 2,878 |
Total risk-based capital ratio | 16.1509% | 2,811 |
Memoranda: | ||
Average total assets | $67,105,600 | 4,632 |
Average earning assets | $62,245,800 | 4,626 |
Average equity | $6,188,400 | 4,865 |
Average total loans | $40,674,200 | 4,533 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5814% | 2,033 |
Cost of funding earning assets | 0.3614% | 4,105 |
Net interest margin | 4.2200% | 1,305 |
Noninterest income to average assets | 0.7533% | 1,661 |
Noninterest expense to average assets | 2.6483% | 3,127 |
Loan and lease loss provision to assets | 0.2209% | 751 |
Net operating income to assets | 1.2585% | 2,005 |
Return on assets (ROA) | 1.2601% | 2,005 |
Pretax return on assets | 1.8004% | 1,013 |
Return on Equity (ROE) | 14.0533% | 1,103 |
Retained earnings to average equity (ytd only) | 12.9097% | 374 |
Net charge-offs to loans | 0.0428% | 2,239 |
Credit loss provision to net charge-offs | 861.5385% | 462 |
Earnings coverage of net charge-offs (x) | 78.7825% | 887 |
Efficiency ratio | 56.7385% | 4,285 |
Assets per employee ($millions) | 4.1731% | 3,612 |
Cash dividends to net income (ytd only)* | 8.1375% | 3,445 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4332% | 1,581 |
Loan loss allowance to noncurrent loans | 176.0446% | 2,458 |
Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,580 |
Noncurrent loans to loans | 0.8141% | 2,078 |
Net loans and leases to total assets | 65.0966% | 3,296 |
Net loans and leases to deposits | 75.0211% | 3,505 |
Net loans and leases to core deposits | 113.0959% | 864 |
Total domestic deposits to total assets | 86.7710% | 1,835 |
Equity capital to assets | 9.3979% | 4,181 |
Core capital (leverage) ratio | 9.6958% | 3,947 |
Tier 1 risk-based capital ratio | 13.6262% | 3,560 |
Total risk-based capital ratio | 14.8764% | 3,469 |
Memoranda: | ||
Average total assets | $67,613,250 | 4,667 |
Average earning assets | $62,716,000 | 4,662 |
Average equity | $6,062,500 | 4,938 |
Average total loans | $40,533,000 | 4,581 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4044% | 2,398 |
Cost of funding earning assets | 0.3383% | 4,144 |
Net interest margin | 4.0661% | 1,651 |
Noninterest income to average assets | 0.7188% | 1,800 |
Noninterest expense to average assets | 2.6836% | 3,071 |
Loan and lease loss provision to assets | 0.2180% | 755 |
Net operating income to assets | 1.1989% | 2,206 |
Return on assets (ROA) | 1.1989% | 2,204 |
Pretax return on assets | 1.5701% | 1,603 |
Return on Equity (ROE) | 13.5855% | 1,186 |
Retained earnings to average equity (ytd only) | 13.5855% | 315 |
Net charge-offs to loans | -0.0254% | 4,671 |
Credit loss provision to net charge-offs | -1,480.0000% | 4,584 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.0132% | 3,930 |
Assets per employee ($millions) | 4.2954% | 3,430 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4589% | 1,525 |
Loan loss allowance to noncurrent loans | 118.1467% | 3,165 |
Noncurrent assets plus other real estate owned to assets | 0.7537% | 1,973 |
Noncurrent loans to loans | 1.2349% | 1,403 |
Net loans and leases to total assets | 60.1452% | 3,790 |
Net loans and leases to deposits | 66.4929% | 4,142 |
Net loans and leases to core deposits | 100.4422% | 1,697 |
Total domestic deposits to total assets | 90.4535% | 418 |
Equity capital to assets | 8.9601% | 4,590 |
Core capital (leverage) ratio | 9.8027% | 3,785 |
Tier 1 risk-based capital ratio | 13.9377% | 3,387 |
Total risk-based capital ratio | 15.1872% | 3,311 |
Memoranda: | ||
Average total assets | $67,894,330 | 4,716 |
Average earning assets | $62,664,670 | 4,717 |
Average equity | $5,991,670 | 5,004 |
Average total loans | $39,345,000 | 4,661 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3504% | 2,352 |
Cost of funding earning assets | 0.3599% | 3,914 |
Net interest margin | 3.9905% | 1,756 |
Noninterest income to average assets | 0.6643% | 1,982 |
Noninterest expense to average assets | 2.6987% | 3,048 |
Loan and lease loss provision to assets | 0.2195% | 720 |
Net operating income to assets | 1.0973% | 2,432 |
Return on assets (ROA) | 1.0973% | 2,443 |
Pretax return on assets | 1.4294% | 1,904 |
Return on Equity (ROE) | 12.6832% | 1,357 |
Retained earnings to average equity (ytd only) | 12.6832% | 571 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.0737% | 3,766 |
Assets per employee ($millions) | 4.6338% | 2,958 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4921% | 1,489 |
Loan loss allowance to noncurrent loans | 93.9044% | 3,571 |
Noncurrent assets plus other real estate owned to assets | 0.8733% | 1,821 |
Noncurrent loans to loans | 1.5889% | 1,094 |
Net loans and leases to total assets | 54.1413% | 4,271 |
Net loans and leases to deposits | 60.1977% | 4,455 |
Net loans and leases to core deposits | 115.2412% | 752 |
Total domestic deposits to total assets | 89.9391% | 683 |
Equity capital to assets | 8.4265% | 5,029 |
Core capital (leverage) ratio | 9.2565% | 4,371 |
Tier 1 risk-based capital ratio | 14.7638% | 3,003 |
Total risk-based capital ratio | 16.0144% | 2,919 |
Memoranda: | ||
Average total assets | $67,439,000 | 4,787 |
Average earning assets | $62,247,500 | 4,784 |
Average equity | $5,834,500 | 5,081 |
Average total loans | $38,043,500 | 4,746 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2878% | 2,371 |
Cost of funding earning assets | 0.3247% | 3,916 |
Net interest margin | 3.9632% | 1,873 |
Noninterest income to average assets | 0.6922% | 2,000 |
Noninterest expense to average assets | 2.9714% | 2,241 |
Loan and lease loss provision to assets | 0.1946% | 1,075 |
Net operating income to assets | 0.7003% | 3,606 |
Return on assets (ROA) | 0.6922% | 3,687 |
Pretax return on assets | 1.2118% | 2,723 |
Return on Equity (ROE) | 7.7071% | 2,945 |
Retained earnings to average equity (ytd only) | 6.9381% | 1,103 |
Net charge-offs to loans | 0.0366% | 3,060 |
Credit loss provision to net charge-offs | 953.8462% | 374 |
Earnings coverage of net charge-offs (x) | 69.5385% | 859 |
Efficiency ratio | 67.6797% | 2,960 |
Assets per employee ($millions) | 4.0857% | 3,834 |
Cash dividends to net income (ytd only)* | 9.9773% | 3,944 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4069% | 1,738 |
Loan loss allowance to noncurrent loans | 200.3759% | 2,282 |
Noncurrent assets plus other real estate owned to assets | 0.4069% | 3,230 |
Noncurrent loans to loans | 0.7021% | 2,451 |
Net loans and leases to total assets | 57.1385% | 4,098 |
Net loans and leases to deposits | 63.3482% | 4,360 |
Net loans and leases to core deposits | 153.0005% | 119 |
Total domestic deposits to total assets | 90.1975% | 501 |
Equity capital to assets | 8.8908% | 4,823 |
Core capital (leverage) ratio | 9.4163% | 4,143 |
Tier 1 risk-based capital ratio | 14.2155% | 3,243 |
Total risk-based capital ratio | 15.4639% | 3,139 |
Memoranda: | ||
Average total assets | $63,706,600 | 4,884 |
Average earning assets | $59,447,600 | 4,870 |
Average equity | $5,722,000 | 5,144 |
Average total loans | $35,549,000 | 4,857 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2441% | 2,453 |
Cost of funding earning assets | 0.2949% | 4,180 |
Net interest margin | 3.9491% | 1,864 |
Noninterest income to average assets | 0.6530% | 2,191 |
Noninterest expense to average assets | 2.8901% | 2,446 |
Loan and lease loss provision to assets | 0.1959% | 973 |
Net operating income to assets | 0.7583% | 3,704 |
Return on assets (ROA) | 0.7583% | 3,759 |
Pretax return on assets | 1.2618% | 2,659 |
Return on Equity (ROE) | 8.4146% | 2,926 |
Retained earnings to average equity (ytd only) | 7.3861% | 1,501 |
Net charge-offs to loans | 0.0420% | 2,607 |
Credit loss provision to net charge-offs | 845.4545% | 417 |
Earnings coverage of net charge-offs (x) | 62.8930% | 960 |
Efficiency ratio | 66.4729% | 3,127 |
Assets per employee ($millions) | 3.7506% | 4,373 |
Cash dividends to net income (ytd only)* | 12.2232% | 3,399 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3669% | 2,040 |
Loan loss allowance to noncurrent loans | 96.3671% | 3,592 |
Noncurrent assets plus other real estate owned to assets | 0.8203% | 2,099 |
Noncurrent loans to loans | 1.4185% | 1,316 |
Net loans and leases to total assets | 57.0364% | 4,153 |
Net loans and leases to deposits | 63.3925% | 4,425 |
Net loans and leases to core deposits | 142.1474% | 180 |
Total domestic deposits to total assets | 89.9735% | 485 |
Equity capital to assets | 9.1890% | 4,737 |
Core capital (leverage) ratio | 9.3072% | 4,399 |
Tier 1 risk-based capital ratio | 14.7050% | 3,064 |
Total risk-based capital ratio | 15.9531% | 2,995 |
Memoranda: | ||
Average total assets | $63,295,250 | 4,948 |
Average earning assets | $59,218,500 | 4,929 |
Average equity | $5,704,250 | 5,205 |
Average total loans | $34,969,750 | 4,920 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2198% | 2,403 |
Cost of funding earning assets | 0.2847% | 4,237 |
Net interest margin | 3.9351% | 1,826 |
Noninterest income to average assets | 0.6494% | 2,206 |
Noninterest expense to average assets | 2.9110% | 2,388 |
Loan and lease loss provision to assets | 0.1932% | 960 |
Net operating income to assets | 0.7317% | 3,697 |
Return on assets (ROA) | 0.7317% | 3,763 |
Pretax return on assets | 1.2227% | 2,688 |
Return on Equity (ROE) | 8.1731% | 2,930 |
Retained earnings to average equity (ytd only) | 8.1731% | 1,091 |
Net charge-offs to loans | 0.1107% | 1,527 |
Credit loss provision to net charge-offs | 321.0526% | 921 |
Earnings coverage of net charge-offs (x) | 23.5263% | 1,679 |
Efficiency ratio | 67.2767% | 3,137 |
Assets per employee ($millions) | 3.8352% | 4,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2870% | 2,482 |
Loan loss allowance to noncurrent loans | 111.0048% | 3,373 |
Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,637 |
Noncurrent loans to loans | 1.1594% | 1,689 |
Net loans and leases to total assets | 54.5867% | 4,348 |
Net loans and leases to deposits | 61.9075% | 4,509 |
Net loans and leases to core deposits | 124.1670% | 430 |
Total domestic deposits to total assets | 88.1747% | 1,366 |
Equity capital to assets | 8.8652% | 5,023 |
Core capital (leverage) ratio | 9.0445% | 4,678 |
Tier 1 risk-based capital ratio | 14.8828% | 2,979 |
Total risk-based capital ratio | 16.0888% | 2,922 |
Memoranda: | ||
Average total assets | $63,140,000 | 4,993 |
Average earning assets | $59,008,000 | 4,975 |
Average equity | $5,652,670 | 5,246 |
Average total loans | $34,336,000 | 4,973 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0702% | 2,770 |
Cost of funding earning assets | 0.2639% | 4,416 |
Net interest margin | 3.8063% | 2,091 |
Noninterest income to average assets | 0.5603% | 2,609 |
Noninterest expense to average assets | 3.3231% | 1,340 |
Loan and lease loss provision to assets | 0.1932% | 863 |
Net operating income to assets | 0.5732% | 4,268 |
Return on assets (ROA) | 0.5732% | 4,313 |
Pretax return on assets | 0.5732% | 4,788 |
Return on Equity (ROE) | 6.3708% | 3,730 |
Retained earnings to average equity (ytd only) | 6.3708% | 2,150 |
Net charge-offs to loans | -0.0239% | 4,833 |
Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.2598% | 1,224 |
Assets per employee ($millions) | 3.5611% | 4,700 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3556% | 2,284 |
Loan loss allowance to noncurrent loans | 262.4277% | 1,807 |
Noncurrent assets plus other real estate owned to assets | 0.2858% | 4,065 |
Noncurrent loans to loans | 0.5166% | 3,270 |
Net loans and leases to total assets | 54.5714% | 4,295 |
Net loans and leases to deposits | 60.5872% | 4,527 |
Net loans and leases to core deposits | 111.2956% | 812 |
Total domestic deposits to total assets | 90.0709% | 626 |
Equity capital to assets | 9.3163% | 4,493 |
Core capital (leverage) ratio | 9.0785% | 4,651 |
Tier 1 risk-based capital ratio | 15.1102% | 2,919 |
Total risk-based capital ratio | 16.3352% | 2,858 |
Memoranda: | ||
Average total assets | $62,110,500 | 5,072 |
Average earning assets | $57,589,000 | 5,058 |
Average equity | $5,588,000 | 5,308 |
Average total loans | $33,477,000 | 5,042 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1401% | 2,698 |
Cost of funding earning assets | 0.2342% | 4,703 |
Net interest margin | 3.9059% | 1,947 |
Noninterest income to average assets | 0.7190% | 2,086 |
Noninterest expense to average assets | 3.4022% | 1,354 |
Loan and lease loss provision to assets | 0.1737% | 1,395 |
Net operating income to assets | 0.7568% | 3,507 |
Return on assets (ROA) | 0.7568% | 3,625 |
Pretax return on assets | 0.7568% | 4,313 |
Return on Equity (ROE) | 8.1702% | 2,850 |
Retained earnings to average equity (ytd only) | 7.6132% | 993 |
Net charge-offs to loans | 0.1041% | 2,229 |
Credit loss provision to net charge-offs | 336.6667% | 900 |
Earnings coverage of net charge-offs (x) | 18.0333% | 1,997 |
Efficiency ratio | 78.5232% | 1,623 |
Assets per employee ($millions) | 3.7460% | 4,401 |
Cash dividends to net income (ytd only)* | 6.8182% | 4,091 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2611% | 2,753 |
Loan loss allowance to noncurrent loans | 21,100.0000% | 39 |
Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,430 |
Noncurrent loans to loans | 0.0060% | 5,291 |
Net loans and leases to total assets | 51.8844% | 4,619 |
Net loans and leases to deposits | 57.1970% | 4,848 |
Net loans and leases to core deposits | 117.8857% | 551 |
Total domestic deposits to total assets | 90.7117% | 384 |
Equity capital to assets | 8.6932% | 5,110 |
Core capital (leverage) ratio | 9.1369% | 4,573 |
Tier 1 risk-based capital ratio | 14.9148% | 3,003 |
Total risk-based capital ratio | 16.0604% | 2,993 |
Memoranda: | ||
Average total assets | $58,139,000 | 5,186 |
Average earning assets | $53,790,400 | 5,175 |
Average equity | $5,385,400 | 5,394 |
Average total loans | $28,805,200 | 5,234 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0790% | 2,952 |
Cost of funding earning assets | 0.2522% | 4,583 |
Net interest margin | 3.8268% | 2,240 |
Noninterest income to average assets | 0.6695% | 2,314 |
Noninterest expense to average assets | 3.2185% | 1,732 |
Loan and lease loss provision to assets | 0.1785% | 1,249 |
Net operating income to assets | 0.8011% | 3,362 |
Return on assets (ROA) | 0.8011% | 3,503 |
Pretax return on assets | 0.8011% | 4,304 |
Return on Equity (ROE) | 8.5019% | 2,763 |
Retained earnings to average equity (ytd only) | 7.7539% | 1,281 |
Net charge-offs to loans | 0.0048% | 3,742 |
Credit loss provision to net charge-offs | 7,600.0000% | 72 |
Earnings coverage of net charge-offs (x) | 418.0376% | 216 |
Efficiency ratio | 76.6648% | 1,881 |
Assets per employee ($millions) | 3.2022% | 5,177 |
Cash dividends to net income (ytd only)* | 8.7978% | 3,579 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3524% | 2,428 |
Loan loss allowance to noncurrent loans | 722.0339% | 788 |
Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,021 |
Noncurrent loans to loans | 0.1873% | 4,595 |
Net loans and leases to total assets | 53.9087% | 4,496 |
Net loans and leases to deposits | 60.0120% | 4,758 |
Net loans and leases to core deposits | 100.0161% | 1,632 |
Total domestic deposits to total assets | 89.8300% | 547 |
Equity capital to assets | 9.5975% | 4,560 |
Core capital (leverage) ratio | 8.7243% | 5,133 |
Tier 1 risk-based capital ratio | 15.0604% | 3,027 |
Total risk-based capital ratio | 16.2860% | 2,969 |
Memoranda: | ||
Average total assets | $56,753,250 | 5,260 |
Average earning assets | $52,331,250 | 5,245 |
Average equity | $5,347,750 | 5,462 |
Average total loans | $27,640,750 | 5,329 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0105% | 3,203 |
Cost of funding earning assets | 0.2671% | 4,479 |
Net interest margin | 3.7434% | 2,538 |
Noninterest income to average assets | 0.7085% | 2,106 |
Noninterest expense to average assets | 3.1918% | 1,832 |
Loan and lease loss provision to assets | 0.1771% | 1,236 |
Net operating income to assets | 0.7652% | 3,482 |
Return on assets (ROA) | 0.7652% | 3,619 |
Pretax return on assets | 0.7652% | 4,408 |
Return on Equity (ROE) | 8.1720% | 2,897 |
Retained earnings to average equity (ytd only) | 8.1720% | 1,112 |
Net charge-offs to loans | 0.0304% | 2,867 |
Credit loss provision to net charge-offs | 1,250.0000% | 310 |
Earnings coverage of net charge-offs (x) | 66.5000% | 812 |
Efficiency ratio | 77.2065% | 1,894 |
Assets per employee ($millions) | 3.4579% | 4,820 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4285% | 2,168 |
Loan loss allowance to noncurrent loans | 39,700.0000% | 16 |
Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,639 |
Noncurrent loans to loans | 0.0036% | 5,503 |
Net loans and leases to total assets | 46.6003% | 5,090 |
Net loans and leases to deposits | 51.6741% | 5,260 |
Net loans and leases to core deposits | 60.4898% | 4,958 |
Total domestic deposits to total assets | 90.1812% | 417 |
Equity capital to assets | 9.2881% | 4,986 |
Core capital (leverage) ratio | 8.9261% | 4,911 |
Tier 1 risk-based capital ratio | 16.1097% | 2,588 |
Total risk-based capital ratio | 17.3542% | 2,534 |
Memoranda: | ||
Average total assets | $56,457,670 | 5,328 |
Average earning assets | $51,664,670 | 5,320 |
Average equity | $5,286,330 | 5,530 |
Average total loans | $26,354,670 | 5,423 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9988% | 3,222 |
Cost of funding earning assets | 0.2782% | 4,411 |
Net interest margin | 3.7206% | 2,590 |
Noninterest income to average assets | 0.6002% | 2,532 |
Noninterest expense to average assets | 3.2178% | 1,798 |
Loan and lease loss provision to assets | 0.1808% | 1,118 |
Net operating income to assets | 0.5857% | 4,243 |
Return on assets (ROA) | 0.5857% | 4,360 |
Pretax return on assets | 0.5857% | 4,859 |
Return on Equity (ROE) | 6.2027% | 3,874 |
Retained earnings to average equity (ytd only) | 6.2027% | 2,276 |
Net charge-offs to loans | 0.0624% | 1,871 |
Credit loss provision to net charge-offs | 625.0000% | 510 |
Earnings coverage of net charge-offs (x) | 26.5000% | 1,271 |
Efficiency ratio | 80.7623% | 1,517 |
Assets per employee ($millions) | 3.3512% | 5,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4819% | 2,063 |
Loan loss allowance to noncurrent loans | 1,091.1765% | 539 |
Noncurrent assets plus other real estate owned to assets | 0.0597% | 5,367 |
Noncurrent loans to loans | 0.1358% | 4,934 |
Net loans and leases to total assets | 43.2930% | 5,283 |
Net loans and leases to deposits | 48.0284% | 5,416 |
Net loans and leases to core deposits | 55.8907% | 5,135 |
Total domestic deposits to total assets | 90.1404% | 542 |
Equity capital to assets | 9.2856% | 4,901 |
Core capital (leverage) ratio | 8.7483% | 5,129 |
Tier 1 risk-based capital ratio | 17.6510% | 2,087 |
Total risk-based capital ratio | 18.9037% | 2,048 |
Memoranda: | ||
Average total assets | $55,318,000 | 5,396 |
Average earning assets | $50,315,000 | 5,398 |
Average equity | $5,223,500 | 5,575 |
Average total loans | $25,636,500 | 5,494 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6769% | 4,435 |
Cost of funding earning assets | 0.3020% | 4,226 |
Net interest margin | 3.3749% | 4,013 |
Noninterest income to average assets | 0.6672% | 2,363 |
Noninterest expense to average assets | 3.3618% | 1,571 |
Loan and lease loss provision to assets | 0.1118% | 2,129 |
Net operating income to assets | 0.2758% | 5,423 |
Return on assets (ROA) | 0.3336% | 5,348 |
Pretax return on assets | 0.3336% | 5,451 |
Return on Equity (ROE) | 3.4717% | 5,150 |
Retained earnings to average equity (ytd only) | 3.4717% | 3,586 |
Net charge-offs to loans | 0.0462% | 3,290 |
Credit loss provision to net charge-offs | 600.0000% | 558 |
Earnings coverage of net charge-offs (x) | 20.8000% | 1,853 |
Efficiency ratio | 89.6620% | 708 |
Assets per employee ($millions) | 3.1568% | 5,343 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3378% | 2,716 |
Loan loss allowance to noncurrent loans | 398.8636% | 1,263 |
Noncurrent assets plus other real estate owned to assets | 0.1640% | 4,949 |
Noncurrent loans to loans | 0.3354% | 4,260 |
Net loans and leases to total assets | 48.2372% | 4,998 |
Net loans and leases to deposits | 53.7064% | 5,178 |
Net loans and leases to core deposits | 58.4634% | 5,080 |
Total domestic deposits to total assets | 89.8166% | 708 |
Equity capital to assets | 9.6094% | 4,426 |
Core capital (leverage) ratio | 9.0365% | 4,840 |
Tier 1 risk-based capital ratio | 16.5959% | 2,428 |
Total risk-based capital ratio | 17.7791% | 2,421 |
Memoranda: | ||
Average total assets | $53,661,000 | 5,466 |
Average earning assets | $49,008,400 | 5,461 |
Average equity | $5,156,000 | 5,617 |
Average total loans | $21,658,800 | 5,658 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5071% | 4,965 |
Cost of funding earning assets | 0.3090% | 4,238 |
Net interest margin | 3.1981% | 4,674 |
Noninterest income to average assets | 0.7280% | 2,119 |
Noninterest expense to average assets | 3.3444% | 1,586 |
Loan and lease loss provision to assets | 0.1118% | 2,016 |
Net operating income to assets | 0.2037% | 5,675 |
Return on assets (ROA) | 0.2485% | 5,656 |
Pretax return on assets | 0.2485% | 5,723 |
Return on Equity (ROE) | 2.5860% | 5,525 |
Retained earnings to average equity (ytd only) | 2.5860% | 4,577 |
Net charge-offs to loans | 0.0975% | 2,178 |
Credit loss provision to net charge-offs | 300.0000% | 959 |
Earnings coverage of net charge-offs (x) | 8.4665% | 2,813 |
Efficiency ratio | 91.3781% | 601 |
Assets per employee ($millions) | 3.8501% | 4,179 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3568% | 2,811 |
Loan loss allowance to noncurrent loans | 435.5263% | 1,151 |
Noncurrent assets plus other real estate owned to assets | 0.7238% | 3,093 |
Noncurrent loans to loans | 0.3115% | 4,482 |
Net loans and leases to total assets | 41.6685% | 5,505 |
Net loans and leases to deposits | 46.1482% | 5,643 |
Net loans and leases to core deposits | 50.1615% | 5,573 |
Total domestic deposits to total assets | 90.2928% | 469 |
Equity capital to assets | 9.0890% | 5,222 |
Core capital (leverage) ratio | 8.9242% | 5,087 |
Tier 1 risk-based capital ratio | 16.7202% | 2,470 |
Total risk-based capital ratio | 17.8629% | 2,477 |
Memoranda: | ||
Average total assets | $53,659,750 | 5,536 |
Average earning assets | $49,194,000 | 5,526 |
Average equity | $5,155,750 | 5,686 |
Average total loans | $20,514,000 | 5,771 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4213% | 5,182 |
Cost of funding earning assets | 0.3334% | 4,005 |
Net interest margin | 3.0880% | 4,991 |
Noninterest income to average assets | 0.8069% | 1,747 |
Noninterest expense to average assets | 3.3234% | 1,638 |
Loan and lease loss provision to assets | 0.1147% | 1,921 |
Net operating income to assets | 0.2027% | 5,685 |
Return on assets (ROA) | 0.2027% | 5,750 |
Pretax return on assets | 0.2027% | 5,811 |
Return on Equity (ROE) | 2.0684% | 5,663 |
Retained earnings to average equity (ytd only) | 2.0684% | 4,668 |
Net charge-offs to loans | 0.3850% | 676 |
Credit loss provision to net charge-offs | 81.0811% | 2,315 |
Earnings coverage of net charge-offs (x) | 2.2432% | 3,382 |
Efficiency ratio | 91.2815% | 671 |
Assets per employee ($millions) | 3.2607% | 5,225 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3887% | 2,812 |
Loan loss allowance to noncurrent loans | 980.0000% | 572 |
Noncurrent assets plus other real estate owned to assets | 0.6711% | 3,388 |
Noncurrent loans to loans | 0.1417% | 5,183 |
Net loans and leases to total assets | 37.6624% | 5,750 |
Net loans and leases to deposits | 41.9166% | 5,842 |
Net loans and leases to core deposits | 45.4965% | 5,788 |
Total domestic deposits to total assets | 89.8506% | 730 |
Equity capital to assets | 9.3664% | 4,825 |
Core capital (leverage) ratio | 9.2608% | 4,604 |
Tier 1 risk-based capital ratio | 17.8593% | 2,109 |
Total risk-based capital ratio | 18.9538% | 2,103 |
Memoranda: | ||
Average total assets | $52,296,330 | 5,631 |
Average earning assets | $47,993,000 | 5,607 |
Average equity | $5,124,670 | 5,745 |
Average total loans | $19,220,330 | 5,882 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4520% | 5,081 |
Cost of funding earning assets | 0.3634% | 3,713 |
Net interest margin | 3.0886% | 4,983 |
Noninterest income to average assets | 0.6429% | 2,437 |
Noninterest expense to average assets | 3.5238% | 1,262 |
Loan and lease loss provision to assets | 0.1190% | 1,738 |
Net operating income to assets | -0.1667% | 6,131 |
Return on assets (ROA) | -0.1667% | 6,152 |
Pretax return on assets | -0.1667% | 6,143 |
Return on Equity (ROE) | -1.7640% | 6,163 |
Retained earnings to average equity (ytd only) | -1.7640% | 5,661 |
Net charge-offs to loans | 0.3289% | 735 |
Credit loss provision to net charge-offs | 100.0000% | 1,606 |
Earnings coverage of net charge-offs (x) | -0.4000% | 3,140 |
Efficiency ratio | 101.3699% | 336 |
Assets per employee ($millions) | 3.0121% | 5,647 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5886% | 2,090 |
Loan loss allowance to noncurrent loans | 666.6667% | 776 |
Noncurrent assets plus other real estate owned to assets | 0.7558% | 3,219 |
Noncurrent loans to loans | 0.2383% | 4,922 |
Net loans and leases to total assets | 36.2933% | 5,813 |
Net loans and leases to deposits | 40.3027% | 5,904 |
Net loans and leases to core deposits | 44.0442% | 5,841 |
Total domestic deposits to total assets | 90.0518% | 728 |
Equity capital to assets | 9.3624% | 4,896 |
Core capital (leverage) ratio | 9.2588% | 4,636 |
Tier 1 risk-based capital ratio | 18.9999% | 1,868 |
Total risk-based capital ratio | 20.2068% | 1,844 |
Memoranda: | ||
Average total assets | $50,399,500 | 5,713 |
Average earning assets | $46,234,000 | 5,701 |
Average equity | $4,762,000 | 5,891 |
Average total loans | $18,245,000 | 5,966 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5114% | 5,288 |
Cost of funding earning assets | 0.3643% | 4,094 |
Net interest margin | 3.1472% | 5,078 |
Noninterest income to average assets | 0.9070% | 1,480 |
Noninterest expense to average assets | 3.4251% | 1,647 |
Loan and lease loss provision to assets | 0.1337% | 1,958 |
Net operating income to assets | 0.1783% | 5,806 |
Return on assets (ROA) | 0.1783% | 5,856 |
Pretax return on assets | 0.1783% | 5,905 |
Return on Equity (ROE) | 1.6965% | 5,842 |
Retained earnings to average equity (ytd only) | 1.6965% | 4,966 |
Net charge-offs to loans | 0.1473% | 2,558 |
Credit loss provision to net charge-offs | 240.0000% | 1,060 |
Earnings coverage of net charge-offs (x) | 5.6000% | 3,390 |
Efficiency ratio | 91.6518% | 729 |
Assets per employee ($millions) | 3.3063% | 5,247 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7040% | 1,764 |
Loan loss allowance to noncurrent loans | 697.6744% | 816 |
Noncurrent assets plus other real estate owned to assets | 0.7763% | 3,269 |
Noncurrent loans to loans | 0.2442% | 4,955 |
Net loans and leases to total assets | 34.8954% | 5,998 |
Net loans and leases to deposits | 38.8157% | 6,069 |
Net loans and leases to core deposits | 42.5606% | 6,012 |
Total domestic deposits to total assets | 89.9000% | 775 |
Equity capital to assets | 9.5374% | 4,676 |
Core capital (leverage) ratio | 9.4869% | 4,260 |
Tier 1 risk-based capital ratio | 20.3169% | 1,528 |
Total risk-based capital ratio | 21.5675% | 1,500 |
Memoranda: | ||
Average total assets | $44,875,200 | 5,911 |
Average earning assets | $40,353,800 | 5,910 |
Average equity | $4,715,600 | 5,922 |
Average total loans | $16,967,600 | 6,089 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5245% | 5,336 |
Cost of funding earning assets | 0.3579% | 4,254 |
Net interest margin | 3.1666% | 5,073 |
Noninterest income to average assets | 0.9520% | 1,359 |
Noninterest expense to average assets | 3.3443% | 1,800 |
Loan and lease loss provision to assets | 0.1373% | 1,819 |
Net operating income to assets | 0.3051% | 5,561 |
Return on assets (ROA) | 0.3051% | 5,640 |
Pretax return on assets | 0.3051% | 5,765 |
Return on Equity (ROE) | 2.8296% | 5,604 |
Retained earnings to average equity (ytd only) | 2.8296% | 4,592 |
Net charge-offs to loans | 0.2777% | 1,414 |
Credit loss provision to net charge-offs | 128.5714% | 1,796 |
Earnings coverage of net charge-offs (x) | 4.1425% | 3,530 |
Efficiency ratio | 88.3159% | 974 |
Assets per employee ($millions) | 3.1513% | 5,513 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6848% | 2,018 |
Loan loss allowance to noncurrent loans | 305.5556% | 1,506 |
Noncurrent assets plus other real estate owned to assets | 0.9139% | 3,156 |
Noncurrent loans to loans | 0.5514% | 4,270 |
Net loans and leases to total assets | 33.9483% | 6,115 |
Net loans and leases to deposits | 37.9802% | 6,185 |
Net loans and leases to core deposits | 41.8621% | 6,122 |
Total domestic deposits to total assets | 89.3842% | 1,035 |
Equity capital to assets | 10.0637% | 4,089 |
Core capital (leverage) ratio | 9.7280% | 4,030 |
Tier 1 risk-based capital ratio | 24.6507% | 909 |
Total risk-based capital ratio | 25.9029% | 900 |
Memoranda: | ||
Average total assets | $43,695,500 | 6,006 |
Average earning assets | $39,115,250 | 6,015 |
Average equity | $4,712,000 | 5,990 |
Average total loans | $16,808,000 | 6,156 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5450% | 5,299 |
Cost of funding earning assets | 0.3645% | 4,265 |
Net interest margin | 3.1804% | 5,006 |
Noninterest income to average assets | 0.9364% | 1,375 |
Noninterest expense to average assets | 3.3879% | 1,703 |
Loan and lease loss provision to assets | 0.1412% | 1,751 |
Net operating income to assets | 0.2400% | 5,736 |
Return on assets (ROA) | 0.2400% | 5,807 |
Pretax return on assets | 0.2400% | 5,894 |
Return on Equity (ROE) | 2.1716% | 5,801 |
Retained earnings to average equity (ytd only) | 2.1716% | 4,803 |
Net charge-offs to loans | 0.3771% | 1,078 |
Credit loss provision to net charge-offs | 93.7500% | 2,117 |
Earnings coverage of net charge-offs (x) | 2.5313% | 3,528 |
Efficiency ratio | 89.8876% | 928 |
Assets per employee ($millions) | 3.0307% | 5,715 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5742% | 2,568 |
Loan loss allowance to noncurrent loans | 309.4118% | 1,478 |
Noncurrent assets plus other real estate owned to assets | 0.9393% | 3,192 |
Noncurrent loans to loans | 0.5088% | 4,473 |
Net loans and leases to total assets | 36.1717% | 6,041 |
Net loans and leases to deposits | 40.6386% | 6,126 |
Net loans and leases to core deposits | 44.9880% | 6,033 |
Total domestic deposits to total assets | 89.0082% | 1,344 |
Equity capital to assets | 10.4067% | 3,552 |
Core capital (leverage) ratio | 10.9402% | 2,477 |
Tier 1 risk-based capital ratio | 26.0569% | 769 |
Total risk-based capital ratio | 27.3114% | 752 |
Memoranda: | ||
Average total assets | $42,504,330 | 6,091 |
Average earning assets | $37,856,330 | 6,115 |
Average equity | $4,697,000 | 6,037 |
Average total loans | $16,970,000 | 6,202 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5925% | 5,190 |
Cost of funding earning assets | 0.3724% | 4,286 |
Net interest margin | 3.2201% | 4,859 |
Noninterest income to average assets | 0.8970% | 1,398 |
Noninterest expense to average assets | 3.5782% | 1,348 |
Loan and lease loss provision to assets | 0.1462% | 1,663 |
Net operating income to assets | 0.0390% | 6,149 |
Return on assets (ROA) | 0.0390% | 6,170 |
Pretax return on assets | 0.0390% | 6,169 |
Return on Equity (ROE) | 0.3419% | 6,171 |
Retained earnings to average equity (ytd only) | 0.3419% | 5,434 |
Net charge-offs to loans | 0.2105% | 1,490 |
Credit loss provision to net charge-offs | 166.6667% | 1,168 |
Earnings coverage of net charge-offs (x) | 2.1111% | 2,949 |
Efficiency ratio | 95.0777% | 694 |
Assets per employee ($millions) | 3.0443% | 5,786 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5501% | 2,927 |
Loan loss allowance to noncurrent loans | 64.5238% | 4,683 |
Noncurrent assets plus other real estate owned to assets | 0.9198% | 3,431 |
Noncurrent loans to loans | 2.4023% | 1,461 |
Net loans and leases to total assets | 37.6927% | 5,963 |
Net loans and leases to deposits | 42.2858% | 6,061 |
Net loans and leases to core deposits | 46.7756% | 5,949 |
Total domestic deposits to total assets | 89.1381% | 1,566 |
Equity capital to assets | 10.2597% | 3,526 |
Core capital (leverage) ratio | 11.4339% | 2,018 |
Tier 1 risk-based capital ratio | 26.8060% | 724 |
Total risk-based capital ratio | 28.0579% | 713 |
Memoranda: | ||
Average total assets | $41,026,000 | 6,202 |
Average earning assets | $36,520,500 | 6,222 |
Average equity | $4,680,000 | 6,075 |
Average total loans | $17,101,500 | 6,253 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7248% | 5,049 |
Cost of funding earning assets | 0.4189% | 4,445 |
Net interest margin | 3.3059% | 4,645 |
Noninterest income to average assets | 0.9308% | 1,581 |
Noninterest expense to average assets | 3.5777% | 1,487 |
Loan and lease loss provision to assets | 0.0621% | 3,896 |
Net operating income to assets | 0.2509% | 5,690 |
Return on assets (ROA) | 0.2509% | 5,761 |
Pretax return on assets | 0.2509% | 5,845 |
Return on Equity (ROE) | 2.0066% | 5,837 |
Retained earnings to average equity (ytd only) | 2.0066% | 4,805 |
Net charge-offs to loans | -0.0068% | 5,971 |
Credit loss provision to net charge-offs | -2,300.0000% | 6,329 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.9556% | 882 |
Assets per employee ($millions) | 2.4259% | 6,449 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5849% | 2,818 |
Loan loss allowance to noncurrent loans | 64.1646% | 4,710 |
Noncurrent assets plus other real estate owned to assets | 1.1350% | 3,129 |
Noncurrent loans to loans | 2.4701% | 1,541 |
Net loans and leases to total assets | 45.2210% | 5,560 |
Net loans and leases to deposits | 52.3029% | 5,599 |
Net loans and leases to core deposits | 57.6176% | 5,420 |
Total domestic deposits to total assets | 86.4598% | 3,016 |
Equity capital to assets | 12.8476% | 1,347 |
Core capital (leverage) ratio | 12.5044% | 1,361 |
Tier 1 risk-based capital ratio | 23.0310% | 1,092 |
Total risk-based capital ratio | 24.2803% | 1,072 |
Memoranda: | ||
Average total assets | $37,063,200 | 6,362 |
Average earning assets | $33,183,000 | 6,369 |
Average equity | $4,634,800 | 6,160 |
Average total loans | $14,632,600 | 6,434 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6087% | 5,416 |
Cost of funding earning assets | 0.4199% | 4,616 |
Net interest margin | 3.1888% | 5,031 |
Noninterest income to average assets | 0.9705% | 1,537 |
Noninterest expense to average assets | 3.4593% | 1,698 |
Loan and lease loss provision to assets | 0.0824% | 3,420 |
Net operating income to assets | 0.3116% | 5,579 |
Return on assets (ROA) | 0.3116% | 5,690 |
Pretax return on assets | 0.3116% | 5,843 |
Return on Equity (ROE) | 2.5082% | 5,779 |
Retained earnings to average equity (ytd only) | 2.5082% | 4,816 |
Net charge-offs to loans | -0.0189% | 6,028 |
Credit loss provision to net charge-offs | -1,150.0000% | 6,209 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.7770% | 1,014 |
Assets per employee ($millions) | 2.5115% | 6,465 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7247% | 2,539 |
Loan loss allowance to noncurrent loans | 61.2903% | 4,773 |
Noncurrent assets plus other real estate owned to assets | 1.1520% | 3,354 |
Noncurrent loans to loans | 2.8140% | 1,481 |
Net loans and leases to total assets | 40.2341% | 6,015 |
Net loans and leases to deposits | 46.5381% | 6,062 |
Net loans and leases to core deposits | 51.0853% | 5,942 |
Total domestic deposits to total assets | 86.4541% | 2,986 |
Equity capital to assets | 12.3912% | 1,642 |
Core capital (leverage) ratio | 11.8398% | 1,783 |
Tier 1 risk-based capital ratio | 24.3199% | 953 |
Total risk-based capital ratio | 25.5730% | 933 |
Memoranda: | ||
Average total assets | $37,232,000 | 6,428 |
Average earning assets | $33,658,250 | 6,429 |
Average equity | $4,624,750 | 6,238 |
Average total loans | $14,110,750 | 6,518 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5025% | 5,690 |
Cost of funding earning assets | 0.4149% | 4,812 |
Net interest margin | 3.0877% | 5,306 |
Noninterest income to average assets | 0.8844% | 1,875 |
Noninterest expense to average assets | 3.4191% | 1,781 |
Loan and lease loss provision to assets | 0.1079% | 2,993 |
Net operating income to assets | 0.1672% | 5,983 |
Return on assets (ROA) | 0.1672% | 6,099 |
Pretax return on assets | 0.1672% | 6,133 |
Return on Equity (ROE) | 1.3448% | 6,134 |
Retained earnings to average equity (ytd only) | 1.3448% | 5,350 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.5547% | 858 |
Assets per employee ($millions) | 2.5510% | 6,451 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8680% | 2,200 |
Loan loss allowance to noncurrent loans | 49.9044% | 5,210 |
Noncurrent assets plus other real estate owned to assets | 1.6255% | 2,669 |
Noncurrent loans to loans | 3.7432% | 1,089 |
Net loans and leases to total assets | 35.8317% | 6,314 |
Net loans and leases to deposits | 41.3268% | 6,352 |
Net loans and leases to core deposits | 45.2762% | 6,268 |
Total domestic deposits to total assets | 86.7033% | 2,995 |
Equity capital to assets | 12.0711% | 1,867 |
Core capital (leverage) ratio | 11.8755% | 1,686 |
Tier 1 risk-based capital ratio | 26.6875% | 718 |
Total risk-based capital ratio | 27.9402% | 707 |
Memoranda: | ||
Average total assets | $37,085,330 | 6,484 |
Average earning assets | $33,747,000 | 6,474 |
Average equity | $4,610,330 | 6,294 |
Average total loans | $13,673,330 | 6,574 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6452% | 5,324 |
Cost of funding earning assets | 0.4159% | 4,952 |
Net interest margin | 3.2293% | 4,805 |
Noninterest income to average assets | 0.7891% | 2,168 |
Noninterest expense to average assets | 3.4196% | 1,786 |
Loan and lease loss provision to assets | 0.1096% | 2,872 |
Net operating income to assets | 0.1534% | 6,031 |
Return on assets (ROA) | 0.1534% | 6,128 |
Pretax return on assets | 0.1534% | 6,166 |
Return on Equity (ROE) | 1.2158% | 6,171 |
Retained earnings to average equity (ytd only) | 1.2158% | 5,364 |
Net charge-offs to loans | -0.0592% | 6,209 |
Credit loss provision to net charge-offs | -500.0000% | 5,464 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.8571% | 914 |
Assets per employee ($millions) | 3.1034% | 5,817 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8984% | 2,307 |
Loan loss allowance to noncurrent loans | 58.4296% | 4,793 |
Noncurrent assets plus other real estate owned to assets | 1.3187% | 3,320 |
Noncurrent loans to loans | 3.2490% | 1,502 |
Net loans and leases to total assets | 32.4063% | 6,494 |
Net loans and leases to deposits | 36.8375% | 6,542 |
Net loans and leases to core deposits | 40.0994% | 6,478 |
Total domestic deposits to total assets | 87.9709% | 2,331 |
Equity capital to assets | 11.4292% | 2,482 |
Core capital (leverage) ratio | 11.9403% | 1,604 |
Tier 1 risk-based capital ratio | 27.6095% | 664 |
Total risk-based capital ratio | 28.8623% | 651 |
Memoranda: | ||
Average total assets | $36,495,500 | 6,561 |
Average earning assets | $32,700,500 | 6,562 |
Average equity | $4,606,000 | 6,365 |
Average total loans | $13,524,000 | 6,638 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7862% | 5,862 |
Cost of funding earning assets | 0.4688% | 5,427 |
Net interest margin | 3.3174% | 5,195 |
Noninterest income to average assets | 0.6809% | 2,832 |
Noninterest expense to average assets | 3.3178% | 2,283 |
Loan and lease loss provision to assets | 0.2028% | 3,113 |
Net operating income to assets | 0.1333% | 5,933 |
Return on assets (ROA) | 0.1565% | 6,039 |
Pretax return on assets | 0.1565% | 6,059 |
Return on Equity (ROE) | 1.6195% | 5,999 |
Retained earnings to average equity (ytd only) | 1.6195% | 5,059 |
Net charge-offs to loans | 0.0547% | 5,167 |
Credit loss provision to net charge-offs | 1,000.0000% | 252 |
Earnings coverage of net charge-offs (x) | 16.5714% | 1,572 |
Efficiency ratio | 90.8010% | 1,004 |
Assets per employee ($millions) | 2.7206% | 6,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7564% | 2,737 |
Loan loss allowance to noncurrent loans | 61.3232% | 4,615 |
Noncurrent assets plus other real estate owned to assets | 1.5070% | 3,130 |
Noncurrent loans to loans | 2.8642% | 1,831 |
Net loans and leases to total assets | 41.2902% | 6,068 |
Net loans and leases to deposits | 48.4526% | 6,076 |
Net loans and leases to core deposits | 54.0519% | 5,869 |
Total domestic deposits to total assets | 85.2176% | 3,756 |
Equity capital to assets | 14.0932% | 1,009 |
Core capital (leverage) ratio | 12.6253% | 1,267 |
Tier 1 risk-based capital ratio | 27.2830% | 671 |
Total risk-based capital ratio | 28.5365% | 658 |
Memoranda: | ||
Average total assets | $34,510,800 | 6,646 |
Average earning assets | $30,928,000 | 6,641 |
Average equity | $3,334,400 | 6,721 |
Average total loans | $12,797,200 | 6,746 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7417% | 6,146 |
Cost of funding earning assets | 0.4709% | 5,628 |
Net interest margin | 3.2708% | 5,484 |
Noninterest income to average assets | 0.6404% | 3,041 |
Noninterest expense to average assets | 3.2097% | 2,540 |
Loan and lease loss provision to assets | 0.2630% | 2,470 |
Net operating income to assets | 0.1067% | 6,114 |
Return on assets (ROA) | 0.1372% | 6,204 |
Pretax return on assets | 0.1372% | 6,218 |
Return on Equity (ROE) | 1.5906% | 6,131 |
Retained earnings to average equity (ytd only) | 1.5906% | 5,542 |
Net charge-offs to loans | -0.0742% | 6,794 |
Credit loss provision to net charge-offs | -985.7143% | 6,532 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6699% | 1,068 |
Assets per employee ($millions) | 3.0695% | 5,926 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8678% | 2,589 |
Loan loss allowance to noncurrent loans | 213.4454% | 1,679 |
Noncurrent assets plus other real estate owned to assets | 0.2982% | 5,954 |
Noncurrent loans to loans | 0.8751% | 4,673 |
Net loans and leases to total assets | 33.4428% | 6,686 |
Net loans and leases to deposits | 38.0384% | 6,751 |
Net loans and leases to core deposits | 41.4351% | 6,687 |
Total domestic deposits to total assets | 87.9185% | 2,093 |
Equity capital to assets | 11.4725% | 2,778 |
Core capital (leverage) ratio | 12.0653% | 1,617 |
Tier 1 risk-based capital ratio | 27.6835% | 692 |
Total risk-based capital ratio | 28.9363% | 675 |
Memoranda: | ||
Average total assets | $34,976,750 | 6,717 |
Average earning assets | $31,429,000 | 6,708 |
Average equity | $3,017,750 | 6,863 |
Average total loans | $12,566,250 | 6,845 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6440% | 6,425 |
Cost of funding earning assets | 0.4753% | 5,795 |
Net interest margin | 3.1687% | 5,824 |
Noninterest income to average assets | 0.6420% | 2,993 |
Noninterest expense to average assets | 3.3659% | 2,112 |
Loan and lease loss provision to assets | 0.3420% | 1,924 |
Net operating income to assets | -0.1860% | 6,524 |
Return on assets (ROA) | -0.1380% | 6,567 |
Pretax return on assets | -0.1380% | 6,545 |
Return on Equity (ROE) | -1.8417% | 6,609 |
Retained earnings to average equity (ytd only) | -1.8417% | 6,339 |
Net charge-offs to loans | 0.6546% | 1,688 |
Credit loss provision to net charge-offs | 142.5000% | 1,950 |
Earnings coverage of net charge-offs (x) | 0.6500% | 4,737 |
Efficiency ratio | 95.5707% | 721 |
Assets per employee ($millions) | 2.3451% | 6,867 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4839% | 4,088 |
Loan loss allowance to noncurrent loans | 36.2454% | 5,861 |
Noncurrent assets plus other real estate owned to assets | 1.7647% | 3,084 |
Noncurrent loans to loans | 4.0941% | 1,337 |
Net loans and leases to total assets | 42.4654% | 6,156 |
Net loans and leases to deposits | 50.5151% | 6,144 |
Net loans and leases to core deposits | 59.5000% | 5,647 |
Total domestic deposits to total assets | 84.0648% | 4,293 |
Equity capital to assets | 8.2103% | 6,442 |
Core capital (leverage) ratio | 6.7102% | 6,887 |
Tier 1 risk-based capital ratio | 15.2526% | 3,598 |
Total risk-based capital ratio | 16.4437% | 3,600 |
Memoranda: | ||
Average total assets | $33,334,330 | 6,800 |
Average earning assets | $30,296,330 | 6,790 |
Average equity | $2,497,670 | 7,016 |
Average total loans | $12,222,000 | 6,914 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4223% | 6,779 |
Cost of funding earning assets | 0.4388% | 6,213 |
Net interest margin | 2.9835% | 6,324 |
Noninterest income to average assets | 0.4718% | 4,132 |
Noninterest expense to average assets | 3.4179% | 1,958 |
Loan and lease loss provision to assets | 0.2187% | 2,752 |
Net operating income to assets | -0.4258% | 6,787 |
Return on assets (ROA) | -0.4258% | 6,820 |
Pretax return on assets | -0.4258% | 6,794 |
Return on Equity (ROE) | -5.9319% | 6,883 |
Retained earnings to average equity (ytd only) | -5.9319% | 6,651 |
Net charge-offs to loans | 0.6121% | 1,563 |
Credit loss provision to net charge-offs | 105.5556% | 2,189 |
Earnings coverage of net charge-offs (x) | -1.0000% | 4,553 |
Efficiency ratio | 106.4516% | 401 |
Assets per employee ($millions) | 3.5992% | 4,881 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4903% | 4,210 |
Loan loss allowance to noncurrent loans | 117.7632% | 2,655 |
Noncurrent assets plus other real estate owned to assets | 0.3839% | 5,918 |
Noncurrent loans to loans | 1.2655% | 4,213 |
Net loans and leases to total assets | 29.8856% | 6,912 |
Net loans and leases to deposits | 32.0703% | 7,010 |
Net loans and leases to core deposits | 34.7703% | 6,973 |
Total domestic deposits to total assets | 93.1878% | 132 |
Equity capital to assets | 6.2640% | 7,042 |
Core capital (leverage) ratio | 7.3816% | 6,696 |
Tier 1 risk-based capital ratio | 14.4497% | 4,146 |
Total risk-based capital ratio | 15.4926% | 4,258 |
Memoranda: | ||
Average total assets | $34,758,500 | 6,827 |
Average earning assets | $31,908,500 | 6,798 |
Average equity | $2,495,000 | 7,066 |
Average total loans | $11,762,500 | 6,995 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3795% | 5,498 |
Cost of funding earning assets | 0.3923% | 6,910 |
Net interest margin | 3.9872% | 2,949 |
Noninterest income to average assets | 1.1683% | 964 |
Noninterest expense to average assets | 4.3197% | 707 |
Loan and lease loss provision to assets | 0.2308% | 3,893 |
Net operating income to assets | 0.1731% | 5,666 |
Return on assets (ROA) | 0.1731% | 5,810 |
Pretax return on assets | 0.1731% | 5,850 |
Return on Equity (ROE) | 1.9208% | 5,690 |
Retained earnings to average equity (ytd only) | 1.9208% | 4,839 |
Net charge-offs to loans | 0.4730% | 3,099 |
Credit loss provision to net charge-offs | 116.3636% | 2,784 |
Earnings coverage of net charge-offs (x) | 2.0364% | 4,254 |
Efficiency ratio | 91.4504% | 1,081 |
Assets per employee ($millions) | 2.4938% | 6,836 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5459% | 3,808 |
Loan loss allowance to noncurrent loans | 89.4472% | 3,349 |
Noncurrent assets plus other real estate owned to assets | 0.6650% | 5,321 |
Noncurrent loans to loans | 1.7283% | 3,573 |
Net loans and leases to total assets | 37.8801% | 6,651 |
Net loans and leases to deposits | 41.6504% | 6,807 |
Net loans and leases to core deposits | 43.6975% | 6,824 |
Total domestic deposits to total assets | 90.9477% | 529 |
Equity capital to assets | 8.3874% | 6,262 |
Core capital (leverage) ratio | 8.8437% | 5,029 |
Tier 1 risk-based capital ratio | 17.8574% | 2,245 |
Total risk-based capital ratio | 19.1061% | 2,218 |
Memoranda: | ||
Average total assets | $27,733,200 | 7,036 |
Average earning assets | $24,729,000 | 7,020 |
Average equity | $2,499,000 | 7,118 |
Average total loans | $11,627,400 | 7,050 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5092% | 5,229 |
Cost of funding earning assets | 0.3656% | 7,097 |
Net interest margin | 4.1436% | 2,294 |
Noninterest income to average assets | 1.2212% | 884 |
Noninterest expense to average assets | 4.4582% | 598 |
Loan and lease loss provision to assets | 0.1667% | 4,392 |
Net operating income to assets | 0.2649% | 5,527 |
Return on assets (ROA) | 0.2649% | 5,680 |
Pretax return on assets | 0.2649% | 5,780 |
Return on Equity (ROE) | 2.8843% | 5,466 |
Retained earnings to average equity (ytd only) | 2.8843% | 4,629 |
Net charge-offs to loans | 0.4347% | 2,981 |
Credit loss provision to net charge-offs | 89.4737% | 3,784 |
Earnings coverage of net charge-offs (x) | 2.3156% | 3,968 |
Efficiency ratio | 91.1735% | 1,093 |
Assets per employee ($millions) | 2.6097% | 6,771 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4083% | 4,520 |
Loan loss allowance to noncurrent loans | 181.3187% | 1,691 |
Noncurrent assets plus other real estate owned to assets | 0.3170% | 6,280 |
Noncurrent loans to loans | 0.7767% | 5,323 |
Net loans and leases to total assets | 40.2376% | 6,608 |
Net loans and leases to deposits | 44.4611% | 6,813 |
Net loans and leases to core deposits | 46.7519% | 6,813 |
Total domestic deposits to total assets | 90.5006% | 636 |
Equity capital to assets | 8.8167% | 5,963 |
Core capital (leverage) ratio | 9.6773% | 3,877 |
Tier 1 risk-based capital ratio | 18.0517% | 2,232 |
Total risk-based capital ratio | 19.2327% | 2,224 |
Memoranda: | ||
Average total assets | $27,185,000 | 7,115 |
Average earning assets | $24,068,750 | 7,110 |
Average equity | $2,496,250 | 7,188 |
Average total loans | $11,655,750 | 7,117 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4409% | 5,555 |
Cost of funding earning assets | 0.3320% | 7,259 |
Net interest margin | 4.1089% | 2,374 |
Noninterest income to average assets | 1.1695% | 928 |
Noninterest expense to average assets | 4.5431% | 568 |
Loan and lease loss provision to assets | 0.1799% | 4,120 |
Net operating income to assets | 0.1574% | 5,862 |
Return on assets (ROA) | 0.1574% | 5,961 |
Pretax return on assets | 0.1574% | 6,007 |
Return on Equity (ROE) | 1.6904% | 5,892 |
Retained earnings to average equity (ytd only) | 1.6904% | 5,149 |
Net charge-offs to loans | 0.6360% | 2,247 |
Credit loss provision to net charge-offs | 64.8649% | 4,207 |
Earnings coverage of net charge-offs (x) | 1.2162% | 4,375 |
Efficiency ratio | 93.0876% | 1,035 |
Assets per employee ($millions) | 2.4243% | 7,000 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3000% | 5,064 |
Loan loss allowance to noncurrent loans | 283.6364% | 1,109 |
Noncurrent assets plus other real estate owned to assets | 0.2062% | 6,596 |
Noncurrent loans to loans | 0.4583% | 5,996 |
Net loans and leases to total assets | 44.4144% | 6,403 |
Net loans and leases to deposits | 49.3767% | 6,646 |
Net loans and leases to core deposits | 52.1395% | 6,654 |
Total domestic deposits to total assets | 89.9501% | 1,003 |
Equity capital to assets | 9.4086% | 4,960 |
Core capital (leverage) ratio | 9.8314% | 3,476 |
Tier 1 risk-based capital ratio | 18.2967% | 2,074 |
Total risk-based capital ratio | 19.4430% | 2,064 |
Memoranda: | ||
Average total assets | $26,677,670 | 7,193 |
Average earning assets | $24,094,000 | 7,173 |
Average equity | $2,484,670 | 7,248 |
Average total loans | $11,635,670 | 7,183 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3338% | 5,903 |
Cost of funding earning assets | 0.3347% | 7,341 |
Net interest margin | 3.9992% | 2,682 |
Noninterest income to average assets | 1.2292% | 840 |
Noninterest expense to average assets | 4.5722% | 554 |
Loan and lease loss provision to assets | 0.1499% | 4,144 |
Net operating income to assets | 0.0899% | 6,122 |
Return on assets (ROA) | 0.0899% | 6,172 |
Pretax return on assets | 0.0899% | 6,194 |
Return on Equity (ROE) | 0.9707% | 6,143 |
Retained earnings to average equity (ytd only) | 0.9707% | 5,441 |
Net charge-offs to loans | 0.2794% | 2,948 |
Credit loss provision to net charge-offs | 125.0000% | 2,194 |
Earnings coverage of net charge-offs (x) | 2.0000% | 3,306 |
Efficiency ratio | 95.0156% | 980 |
Assets per employee ($millions) | 2.4609% | 7,040 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4963% | 4,230 |
Loan loss allowance to noncurrent loans | 185.8696% | 1,594 |
Noncurrent assets plus other real estate owned to assets | 0.3399% | 6,349 |
Noncurrent loans to loans | 0.8050% | 5,422 |
Net loans and leases to total assets | 41.5848% | 6,660 |
Net loans and leases to deposits | 46.1163% | 6,838 |
Net loans and leases to core deposits | 48.6453% | 6,849 |
Total domestic deposits to total assets | 90.1736% | 1,044 |
Equity capital to assets | 9.1540% | 4,950 |
Core capital (leverage) ratio | 9.7395% | 3,472 |
Tier 1 risk-based capital ratio | 18.5393% | 1,950 |
Total risk-based capital ratio | 19.7903% | 1,902 |
Memoranda: | ||
Average total assets | $26,683,000 | 7,242 |
Average earning assets | $23,905,000 | 7,231 |
Average equity | $2,472,500 | 7,300 |
Average total loans | $11,453,500 | 7,252 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7525% | 5,609 |
Cost of funding earning assets | 0.3817% | 7,446 |
Net interest margin | 4.3707% | 1,587 |
Noninterest income to average assets | 1.1196% | 1,176 |
Noninterest expense to average assets | 4.4221% | 704 |
Loan and lease loss provision to assets | 0.2818% | 4,553 |
Net operating income to assets | 0.2442% | 5,123 |
Return on assets (ROA) | 0.2442% | 5,279 |
Pretax return on assets | 0.2442% | 5,371 |
Return on Equity (ROE) | 2.6668% | 5,100 |
Retained earnings to average equity (ytd only) | 2.6668% | 3,992 |
Net charge-offs to loans | 0.2155% | 5,000 |
Credit loss provision to net charge-offs | 312.5000% | 846 |
Earnings coverage of net charge-offs (x) | 5.8333% | 2,522 |
Efficiency ratio | 89.3698% | 1,374 |
Assets per employee ($millions) | 2.3905% | 7,139 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4723% | 4,171 |
Loan loss allowance to noncurrent loans | 169.0000% | 1,768 |
Noncurrent assets plus other real estate owned to assets | 0.3803% | 6,322 |
Noncurrent loans to loans | 0.8712% | 5,322 |
Net loans and leases to total assets | 43.0103% | 6,792 |
Net loans and leases to deposits | 47.8002% | 6,957 |
Net loans and leases to core deposits | 54.1226% | 6,804 |
Total domestic deposits to total assets | 89.9795% | 1,116 |
Equity capital to assets | 9.3817% | 4,568 |
Core capital (leverage) ratio | 10.1848% | 2,882 |
Tier 1 risk-based capital ratio | 17.8745% | 2,041 |
Total risk-based capital ratio | 19.0980% | 2,010 |
Memoranda: | ||
Average total assets | $26,616,200 | 7,301 |
Average earning assets | $23,314,200 | 7,312 |
Average equity | $2,437,400 | 7,413 |
Average total loans | $11,136,000 | 7,343 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7162% | 5,961 |
Cost of funding earning assets | 0.3997% | 7,571 |
Net interest margin | 4.3165% | 1,789 |
Noninterest income to average assets | 1.0738% | 1,243 |
Noninterest expense to average assets | 4.4250% | 647 |
Loan and lease loss provision to assets | 0.2747% | 4,389 |
Net operating income to assets | 0.1498% | 5,640 |
Return on assets (ROA) | 0.1498% | 5,797 |
Pretax return on assets | 0.1498% | 5,834 |
Return on Equity (ROE) | 1.6461% | 5,720 |
Retained earnings to average equity (ytd only) | 1.6461% | 5,130 |
Net charge-offs to loans | 0.1086% | 5,449 |
Credit loss provision to net charge-offs | 611.1111% | 480 |
Earnings coverage of net charge-offs (x) | 9.4442% | 2,023 |
Efficiency ratio | 91.2461% | 1,191 |
Assets per employee ($millions) | 2.0843% | 7,479 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4998% | 3,965 |
Loan loss allowance to noncurrent loans | 277.9661% | 1,054 |
Noncurrent assets plus other real estate owned to assets | 0.2359% | 6,777 |
Noncurrent loans to loans | 0.5396% | 6,125 |
Net loans and leases to total assets | 43.0651% | 6,900 |
Net loans and leases to deposits | 48.2161% | 7,078 |
Net loans and leases to core deposits | 51.1031% | 7,082 |
Total domestic deposits to total assets | 89.3167% | 1,221 |
Equity capital to assets | 9.9756% | 4,185 |
Core capital (leverage) ratio | 10.1820% | 3,059 |
Tier 1 risk-based capital ratio | 17.3078% | 2,240 |
Total risk-based capital ratio | 18.4740% | 2,231 |
Memoranda: | ||
Average total assets | $26,696,250 | 7,393 |
Average earning assets | $23,351,500 | 7,402 |
Average equity | $2,430,000 | 7,510 |
Average total loans | $11,050,250 | 7,442 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5524% | 6,585 |
Cost of funding earning assets | 0.3926% | 7,660 |
Net interest margin | 4.1598% | 2,292 |
Noninterest income to average assets | 1.0566% | 1,201 |
Noninterest expense to average assets | 4.3437% | 686 |
Loan and lease loss provision to assets | 0.2568% | 4,368 |
Net operating income to assets | 0.1101% | 5,836 |
Return on assets (ROA) | 0.1101% | 5,942 |
Pretax return on assets | 0.1101% | 5,957 |
Return on Equity (ROE) | 1.2457% | 5,880 |
Retained earnings to average equity (ytd only) | 1.2457% | 5,254 |
Net charge-offs to loans | 0.2886% | 3,894 |
Credit loss provision to net charge-offs | 218.7500% | 1,779 |
Earnings coverage of net charge-offs (x) | 3.1250% | 3,439 |
Efficiency ratio | 92.2118% | 1,175 |
Assets per employee ($millions) | 2.1668% | 7,466 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2637% | 5,113 |
Loan loss allowance to noncurrent loans | 153.9326% | 1,817 |
Noncurrent assets plus other real estate owned to assets | 0.3423% | 6,566 |
Noncurrent loans to loans | 0.8210% | 5,635 |
Net loans and leases to total assets | 41.1661% | 7,088 |
Net loans and leases to deposits | 45.7847% | 7,257 |
Net loans and leases to core deposits | 53.2034% | 7,076 |
Total domestic deposits to total assets | 89.9123% | 958 |
Equity capital to assets | 9.4416% | 4,799 |
Core capital (leverage) ratio | 10.0157% | 3,146 |
Tier 1 risk-based capital ratio | 17.6750% | 2,046 |
Total risk-based capital ratio | 18.6760% | 2,085 |
Memoranda: | ||
Average total assets | $27,258,000 | 7,438 |
Average earning assets | $23,943,670 | 7,441 |
Average equity | $2,408,330 | 7,570 |
Average total loans | $11,088,670 | 7,498 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3567% | 7,059 |
Cost of funding earning assets | 0.3739% | 7,785 |
Net interest margin | 3.9828% | 2,943 |
Noninterest income to average assets | 0.7746% | 2,152 |
Noninterest expense to average assets | 4.1311% | 870 |
Loan and lease loss provision to assets | 0.2295% | 4,205 |
Net operating income to assets | -0.0717% | 6,399 |
Return on assets (ROA) | -0.0717% | 6,479 |
Pretax return on assets | -0.0717% | 6,429 |
Return on Equity (ROE) | -0.8386% | 6,507 |
Retained earnings to average equity (ytd only) | -0.8386% | 6,018 |
Net charge-offs to loans | 0.4638% | 2,654 |
Credit loss provision to net charge-offs | 123.0769% | 2,844 |
Earnings coverage of net charge-offs (x) | 0.8462% | 4,288 |
Efficiency ratio | 96.3211% | 1,008 |
Assets per employee ($millions) | 2.5986% | 7,039 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0962% | 6,022 |
Loan loss allowance to noncurrent loans | 96.8000% | 2,867 |
Noncurrent assets plus other real estate owned to assets | 0.4009% | 6,472 |
Noncurrent loans to loans | 1.1325% | 5,097 |
Net loans and leases to total assets | 35.0095% | 7,467 |
Net loans and leases to deposits | 38.1260% | 7,576 |
Net loans and leases to core deposits | 42.2125% | 7,519 |
Total domestic deposits to total assets | 91.8257% | 281 |
Equity capital to assets | 7.6324% | 6,975 |
Core capital (leverage) ratio | 10.0900% | 3,054 |
Tier 1 risk-based capital ratio | 16.6193% | 2,405 |
Total risk-based capital ratio | 17.4576% | 2,519 |
Memoranda: | ||
Average total assets | $27,886,000 | 7,508 |
Average earning assets | $24,605,500 | 7,511 |
Average equity | $2,385,000 | 7,669 |
Average total loans | $11,212,500 | 7,582 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9941% | 6,454 |
Cost of funding earning assets | 0.5631% | 7,791 |
Net interest margin | 4.4310% | 1,343 |
Noninterest income to average assets | 1.1318% | 1,204 |
Noninterest expense to average assets | 5.0909% | 487 |
Loan and lease loss provision to assets | 0.6461% | 3,219 |
Net operating income to assets | -0.6808% | 6,343 |
Return on assets (ROA) | -0.6808% | 6,343 |
Pretax return on assets | -0.6808% | 6,172 |
Return on Equity (ROE) | -6.2406% | 6,329 |
Retained earnings to average equity (ytd only) | -6.2406% | 6,175 |
Net charge-offs to loans | 1.3396% | 1,861 |
Credit loss provision to net charge-offs | 102.7586% | 5,373 |
Earnings coverage of net charge-offs (x) | -0.0552% | 6,276 |
Efficiency ratio | 100.6861% | 1,072 |
Assets per employee ($millions) | 2.2354% | 7,541 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0363% | 6,192 |
Loan loss allowance to noncurrent loans | 472.0000% | 701 |
Noncurrent assets plus other real estate owned to assets | 0.1017% | 7,243 |
Noncurrent loans to loans | 0.2195% | 6,880 |
Net loans and leases to total assets | 45.8294% | 6,996 |
Net loans and leases to deposits | 51.1205% | 7,198 |
Net loans and leases to core deposits | 56.4551% | 7,390 |
Total domestic deposits to total assets | 89.6498% | 1,134 |
Equity capital to assets | 9.7198% | 4,121 |
Core capital (leverage) ratio | 10.7586% | 2,381 |
Tier 1 risk-based capital ratio | 18.8327% | 1,694 |
Total risk-based capital ratio | 19.7571% | 1,715 |
Memoranda: | ||
Average total assets | $23,060,800 | 7,698 |
Average earning assets | $20,424,200 | 7,696 |
Average equity | $2,515,800 | 7,728 |
Average total loans | $10,824,000 | 7,663 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9658% | 6,715 |
Cost of funding earning assets | 0.5892% | 7,891 |
Net interest margin | 4.3765% | 1,504 |
Noninterest income to average assets | 1.1699% | 1,147 |
Noninterest expense to average assets | 5.0266% | 477 |
Loan and lease loss provision to assets | 0.8172% | 2,329 |
Net operating income to assets | -0.7878% | 6,681 |
Return on assets (ROA) | -0.7878% | 6,685 |
Pretax return on assets | -0.7878% | 6,535 |
Return on Equity (ROE) | -7.0138% | 6,660 |
Retained earnings to average equity (ytd only) | -7.0138% | 6,507 |
Net charge-offs to loans | 1.7722% | 1,138 |
Credit loss provision to net charge-offs | 97.8873% | 5,222 |
Earnings coverage of net charge-offs (x) | 0.0352% | 6,017 |
Efficiency ratio | 99.4186% | 1,088 |
Assets per employee ($millions) | 2.1073% | 7,709 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0432% | 6,045 |
Loan loss allowance to noncurrent loans | 326.4706% | 937 |
Noncurrent assets plus other real estate owned to assets | 0.1467% | 7,176 |
Noncurrent loans to loans | 0.3195% | 6,719 |
Net loans and leases to total assets | 45.4228% | 7,145 |
Net loans and leases to deposits | 51.1514% | 7,352 |
Net loans and leases to core deposits | 56.8981% | 7,514 |
Total domestic deposits to total assets | 88.8007% | 1,290 |
Equity capital to assets | 10.5608% | 3,440 |
Core capital (leverage) ratio | 10.4047% | 2,876 |
Tier 1 risk-based capital ratio | 19.3063% | 1,683 |
Total risk-based capital ratio | 20.1893% | 1,721 |
Memoranda: | ||
Average total assets | $22,678,750 | 7,779 |
Average earning assets | $20,137,500 | 7,780 |
Average equity | $2,547,250 | 7,792 |
Average total loans | $10,683,250 | 7,746 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8637% | 7,110 |
Cost of funding earning assets | 0.6256% | 7,972 |
Net interest margin | 4.2381% | 1,854 |
Noninterest income to average assets | 1.2438% | 992 |
Noninterest expense to average assets | 5.0729% | 490 |
Loan and lease loss provision to assets | 0.5242% | 2,925 |
Net operating income to assets | -0.6219% | 6,677 |
Return on assets (ROA) | -0.6219% | 6,681 |
Pretax return on assets | -0.6219% | 6,546 |
Return on Equity (ROE) | -5.4257% | 6,654 |
Retained earnings to average equity (ytd only) | -5.4257% | 6,362 |
Net charge-offs to loans | 0.1496% | 4,693 |
Credit loss provision to net charge-offs | 737.5000% | 642 |
Earnings coverage of net charge-offs (x) | -1.3750% | 6,303 |
Efficiency ratio | 101.9643% | 1,096 |
Assets per employee ($millions) | 2.5253% | 7,204 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4307% | 3,568 |
Loan loss allowance to noncurrent loans | 92.6966% | 3,090 |
Noncurrent assets plus other real estate owned to assets | 0.6408% | 5,817 |
Noncurrent loans to loans | 1.5434% | 4,182 |
Net loans and leases to total assets | 40.9245% | 7,508 |
Net loans and leases to deposits | 45.2278% | 7,666 |
Net loans and leases to core deposits | 49.7397% | 7,767 |
Total domestic deposits to total assets | 90.4853% | 636 |
Equity capital to assets | 9.0251% | 5,280 |
Core capital (leverage) ratio | 10.9422% | 2,450 |
Tier 1 risk-based capital ratio | 17.7946% | 2,072 |
Total risk-based capital ratio | 18.9738% | 2,037 |
Memoranda: | ||
Average total assets | $22,511,670 | 7,864 |
Average earning assets | $19,820,330 | 7,868 |
Average equity | $2,580,330 | 7,864 |
Average total loans | $10,697,670 | 7,830 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3980% | 5,437 |
Cost of funding earning assets | 0.7446% | 7,963 |
Net interest margin | 4.6535% | 860 |
Noninterest income to average assets | 1.0866% | 1,264 |
Noninterest expense to average assets | 5.4531% | 372 |
Loan and lease loss provision to assets | 0.2213% | 4,239 |
Net operating income to assets | -0.5634% | 6,937 |
Return on assets (ROA) | -0.5634% | 6,984 |
Pretax return on assets | -0.5634% | 6,869 |
Return on Equity (ROE) | -4.2797% | 6,914 |
Retained earnings to average equity (ytd only) | -4.2797% | 6,459 |
Net charge-offs to loans | 0.1167% | 4,035 |
Credit loss provision to net charge-offs | 366.6667% | 1,389 |
Earnings coverage of net charge-offs (x) | -5.6667% | 5,578 |
Efficiency ratio | 106.6929% | 910 |
Assets per employee ($millions) | 2.2577% | 7,638 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1165% | 5,350 |
Loan loss allowance to noncurrent loans | 1,109.0909% | 372 |
Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,474 |
Noncurrent loans to loans | 0.1007% | 7,243 |
Net loans and leases to total assets | 43.5071% | 7,381 |
Net loans and leases to deposits | 48.7282% | 7,549 |
Net loans and leases to core deposits | 54.2938% | 7,671 |
Total domestic deposits to total assets | 89.2853% | 1,103 |
Equity capital to assets | 10.4691% | 3,491 |
Core capital (leverage) ratio | 13.7133% | 1,262 |
Tier 1 risk-based capital ratio | 20.3081% | 1,561 |
Total risk-based capital ratio | 21.2669% | 1,574 |
Memoranda: | ||
Average total assets | $19,878,500 | 7,981 |
Average earning assets | $17,191,500 | 7,985 |
Average equity | $2,617,000 | 7,897 |
Average total loans | $10,280,000 | 7,898 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1414% | 4,822 |
Cost of funding earning assets | 1.0404% | 8,037 |
Net interest margin | 5.1009% | 407 |
Noninterest income to average assets | 1.4691% | 657 |
Noninterest expense to average assets | 6.1618% | 383 |
Loan and lease loss provision to assets | 0.4978% | 2,822 |
Net operating income to assets | -0.9045% | 7,189 |
Return on assets (ROA) | -0.8074% | 7,043 |
Pretax return on assets | -0.8074% | 6,883 |
Return on Equity (ROE) | -5.0023% | 6,868 |
Retained earnings to average equity (ytd only) | -5.0023% | 6,515 |
Net charge-offs to loans | 0.3384% | 3,140 |
Credit loss provision to net charge-offs | 328.0000% | 1,379 |
Earnings coverage of net charge-offs (x) | -2.6800% | 6,746 |
Efficiency ratio | 107.0675% | 782 |
Assets per employee ($millions) | 1.3565% | 8,193 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1834% | 4,677 |
Loan loss allowance to noncurrent loans | 518.1818% | 842 |
Noncurrent assets plus other real estate owned to assets | 0.1474% | 6,982 |
Noncurrent loans to loans | 0.2284% | 6,705 |
Net loans and leases to total assets | 63.7917% | 5,315 |
Net loans and leases to deposits | 82.2945% | 4,683 |
Net loans and leases to core deposits | 93.7833% | 5,463 |
Total domestic deposits to total assets | 77.5164% | 5,870 |
Equity capital to assets | 17.6518% | 696 |
Core capital (leverage) ratio | 14.6321% | 1,112 |
Tier 1 risk-based capital ratio | 25.3640% | 957 |
Total risk-based capital ratio | 26.4706% | 951 |
Memoranda: | ||
Average total assets | $16,472,400 | 8,125 |
Average earning assets | $13,840,600 | 8,145 |
Average equity | $2,658,800 | 7,939 |
Average total loans | $7,388,400 | 8,062 |