Home > First Bank of Lilly > Performance and Condition Ratios
First Bank of Lilly, Performance and Condition Ratios
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6301% | 4,856 |
Cost of funding earning assets | 0.4116% | 4,464 |
Net interest margin | 3.2185% | 4,257 |
Noninterest income to average assets | 0.0648% | 5,079 |
Noninterest expense to average assets | 4.3329% | 352 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | -1.1870% | 5,186 |
Return on assets (ROA) | -1.1481% | 5,189 |
Pretax return on assets | -1.1351% | 5,183 |
Return on Equity (ROE) | -6.5598% | 5,171 |
Retained earnings to average equity (ytd only) | -6.5598% | 5,099 |
Net charge-offs to loans | 0.7026% | 225 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | -6.0333% | 3,427 |
Efficiency ratio | 137.1663% | 54 |
Assets per employee ($millions) | 4.0490% | 3,839 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8915% | 4,077 |
Loan loss allowance to noncurrent loans | 83.6066% | 3,579 |
Noncurrent assets plus other real estate owned to assets | 0.3013% | 3,341 |
Noncurrent loans to loans | 1.0662% | 1,497 |
Net loans and leases to total assets | 28.0069% | 5,091 |
Net loans and leases to deposits | 33.9562% | 5,089 |
Net loans and leases to core deposits | 35.0541% | 5,091 |
Total domestic deposits to total assets | 82.4796% | 3,326 |
Equity capital to assets | 17.4117% | 450 |
Core capital (leverage) ratio | 16.8046% | 463 |
Tier 1 risk-based capital ratio | 50.3061% | 137 |
Total risk-based capital ratio | 51.0496% | 137 |
Memoranda: | ||
Average total assets | $20,555,250 | 5,191 |
Average earning assets | $19,760,250 | 5,169 |
Average equity | $3,597,500 | 5,100 |
Average total loans | $5,692,750 | 5,199 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6428% | 4,892 |
Cost of funding earning assets | 0.4036% | 4,491 |
Net interest margin | 3.2392% | 4,269 |
Noninterest income to average assets | 0.0774% | 5,106 |
Noninterest expense to average assets | 2.8075% | 2,559 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.3582% | 4,791 |
Return on assets (ROA) | 0.3582% | 4,809 |
Pretax return on assets | 0.3776% | 4,853 |
Return on Equity (ROE) | 2.0433% | 4,934 |
Retained earnings to average equity (ytd only) | 2.0433% | 4,100 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.1459% | 437 |
Assets per employee ($millions) | 4.1230% | 3,697 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4519% | 1,409 |
Loan loss allowance to noncurrent loans | 69.2308% | 3,847 |
Noncurrent assets plus other real estate owned to assets | 0.5675% | 2,313 |
Noncurrent loans to loans | 2.0972% | 660 |
Net loans and leases to total assets | 26.6699% | 5,144 |
Net loans and leases to deposits | 32.5904% | 5,143 |
Net loans and leases to core deposits | 33.6269% | 5,152 |
Total domestic deposits to total assets | 81.8336% | 3,567 |
Equity capital to assets | 18.0694% | 375 |
Core capital (leverage) ratio | 17.8132% | 354 |
Tier 1 risk-based capital ratio | 53.8586% | 116 |
Total risk-based capital ratio | 55.0492% | 115 |
Memoranda: | ||
Average total assets | $20,658,670 | 5,236 |
Average earning assets | $19,819,670 | 5,215 |
Average equity | $3,621,670 | 5,139 |
Average total loans | $5,683,330 | 5,247 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7791% | 4,734 |
Cost of funding earning assets | 0.3638% | 4,629 |
Net interest margin | 3.4153% | 3,847 |
Noninterest income to average assets | 0.0774% | 5,151 |
Noninterest expense to average assets | 2.8626% | 2,379 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.4449% | 4,646 |
Return on assets (ROA) | 0.4449% | 4,665 |
Pretax return on assets | 0.4835% | 4,723 |
Return on Equity (ROE) | 2.5770% | 4,877 |
Retained earnings to average equity (ytd only) | 2.5770% | 3,895 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.5491% | 609 |
Assets per employee ($millions) | 4.1752% | 3,665 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4306% | 1,569 |
Loan loss allowance to noncurrent loans | 67.5000% | 3,928 |
Noncurrent assets plus other real estate owned to assets | 0.5748% | 2,346 |
Noncurrent loans to loans | 2.1194% | 685 |
Net loans and leases to total assets | 26.7340% | 5,199 |
Net loans and leases to deposits | 32.4043% | 5,190 |
Net loans and leases to core deposits | 33.4132% | 5,195 |
Total domestic deposits to total assets | 82.5014% | 3,582 |
Equity capital to assets | 17.3932% | 405 |
Core capital (leverage) ratio | 17.3967% | 384 |
Tier 1 risk-based capital ratio | 52.7762% | 116 |
Total risk-based capital ratio | 53.9474% | 116 |
Memoranda: | ||
Average total assets | $20,680,500 | 5,292 |
Average earning assets | $19,793,000 | 5,270 |
Average equity | $3,570,000 | 5,197 |
Average total loans | $5,735,500 | 5,307 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4052% | 4,999 |
Cost of funding earning assets | 0.3611% | 4,212 |
Net interest margin | 3.0442% | 4,742 |
Noninterest income to average assets | 0.0815% | 5,202 |
Noninterest expense to average assets | 2.8243% | 2,603 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.1630% | 5,135 |
Return on assets (ROA) | 0.1630% | 5,129 |
Pretax return on assets | 0.1678% | 5,137 |
Return on Equity (ROE) | 0.9665% | 5,164 |
Retained earnings to average equity (ytd only) | 0.9665% | 4,711 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.3910% | 234 |
Assets per employee ($millions) | 4.0970% | 3,751 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3944% | 1,662 |
Loan loss allowance to noncurrent loans | 64.8000% | 4,023 |
Noncurrent assets plus other real estate owned to assets | 0.6102% | 2,213 |
Noncurrent loans to loans | 2.1518% | 606 |
Net loans and leases to total assets | 27.9619% | 5,234 |
Net loans and leases to deposits | 33.7756% | 5,228 |
Net loans and leases to core deposits | 34.8376% | 5,236 |
Total domestic deposits to total assets | 82.7874% | 3,398 |
Equity capital to assets | 17.1296% | 408 |
Core capital (leverage) ratio | 18.1101% | 322 |
Tier 1 risk-based capital ratio | 50.1105% | 134 |
Total risk-based capital ratio | 51.2293% | 131 |
Memoranda: | ||
Average total assets | $20,854,800 | 5,331 |
Average earning assets | $19,939,800 | 5,313 |
Average equity | $3,518,000 | 5,235 |
Average total loans | $5,249,200 | 5,353 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3848% | 5,051 |
Cost of funding earning assets | 0.3598% | 4,119 |
Net interest margin | 3.0250% | 4,814 |
Noninterest income to average assets | 0.0827% | 5,267 |
Noninterest expense to average assets | 2.7815% | 2,695 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.1910% | 5,201 |
Return on assets (ROA) | 0.1910% | 5,195 |
Pretax return on assets | 0.1910% | 5,206 |
Return on Equity (ROE) | 1.1363% | 5,218 |
Retained earnings to average equity (ytd only) | 1.1363% | 4,817 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.5760% | 247 |
Assets per employee ($millions) | 4.0430% | 3,814 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5393% | 1,230 |
Loan loss allowance to noncurrent loans | 77.1429% | 3,872 |
Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,662 |
Noncurrent loans to loans | 1.9954% | 734 |
Net loans and leases to total assets | 25.6295% | 5,328 |
Net loans and leases to deposits | 30.9313% | 5,328 |
Net loans and leases to core deposits | 31.9145% | 5,334 |
Total domestic deposits to total assets | 82.8593% | 3,358 |
Equity capital to assets | 17.0220% | 421 |
Core capital (leverage) ratio | 17.6453% | 361 |
Tier 1 risk-based capital ratio | 51.2226% | 126 |
Total risk-based capital ratio | 52.3675% | 124 |
Memoranda: | ||
Average total assets | $20,947,250 | 5,401 |
Average earning assets | $20,010,500 | 5,383 |
Average equity | $3,520,250 | 5,305 |
Average total loans | $5,109,250 | 5,424 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2886% | 5,147 |
Cost of funding earning assets | 0.3457% | 4,099 |
Net interest margin | 2.9430% | 4,959 |
Noninterest income to average assets | 0.0849% | 5,312 |
Noninterest expense to average assets | 2.6992% | 3,022 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.1982% | 5,230 |
Return on assets (ROA) | 0.1982% | 5,223 |
Pretax return on assets | 0.1982% | 5,240 |
Return on Equity (ROE) | 1.1842% | 5,256 |
Retained earnings to average equity (ytd only) | 1.1842% | 4,717 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.1596% | 282 |
Assets per employee ($millions) | 4.0944% | 3,739 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7334% | 851 |
Loan loss allowance to noncurrent loans | 68.6441% | 4,027 |
Noncurrent assets plus other real estate owned to assets | 0.5764% | 2,502 |
Noncurrent loans to loans | 2.5251% | 513 |
Net loans and leases to total assets | 22.4306% | 5,424 |
Net loans and leases to deposits | 27.1154% | 5,425 |
Net loans and leases to core deposits | 27.9642% | 5,422 |
Total domestic deposits to total assets | 82.7227% | 3,488 |
Equity capital to assets | 17.1112% | 394 |
Core capital (leverage) ratio | 16.9575% | 401 |
Tier 1 risk-based capital ratio | 54.1249% | 108 |
Total risk-based capital ratio | 55.3376% | 109 |
Memoranda: | ||
Average total assets | $21,191,330 | 5,463 |
Average earning assets | $20,251,670 | 5,447 |
Average equity | $3,546,670 | 5,362 |
Average total loans | $5,058,330 | 5,488 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2680% | 5,175 |
Cost of funding earning assets | 0.3501% | 3,991 |
Net interest margin | 2.9179% | 5,002 |
Noninterest income to average assets | 0.0928% | 5,355 |
Noninterest expense to average assets | 2.5614% | 3,455 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.3155% | 5,069 |
Return on assets (ROA) | 0.3155% | 5,074 |
Pretax return on assets | 0.3155% | 5,152 |
Return on Equity (ROE) | 1.9056% | 5,197 |
Retained earnings to average equity (ytd only) | 1.9056% | 4,384 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.0323% | 486 |
Assets per employee ($millions) | 4.3312% | 3,428 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5740% | 1,222 |
Loan loss allowance to noncurrent loans | 71.0526% | 4,004 |
Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,768 |
Noncurrent loans to loans | 2.2153% | 675 |
Net loans and leases to total assets | 23.3884% | 5,472 |
Net loans and leases to deposits | 28.0563% | 5,471 |
Net loans and leases to core deposits | 28.8769% | 5,473 |
Total domestic deposits to total assets | 83.3626% | 3,558 |
Equity capital to assets | 16.3327% | 461 |
Core capital (leverage) ratio | 16.8110% | 405 |
Tier 1 risk-based capital ratio | 55.6022% | 101 |
Total risk-based capital ratio | 56.8472% | 100 |
Memoranda: | ||
Average total assets | $21,551,000 | 5,522 |
Average earning assets | $20,563,000 | 5,499 |
Average equity | $3,568,500 | 5,413 |
Average total loans | $5,251,000 | 5,548 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3155% | 5,066 |
Cost of funding earning assets | 0.3519% | 3,700 |
Net interest margin | 2.9636% | 4,958 |
Noninterest income to average assets | 0.1041% | 5,401 |
Noninterest expense to average assets | 2.9282% | 2,362 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.0046% | 5,351 |
Return on assets (ROA) | 0.0804% | 5,282 |
Pretax return on assets | 0.0899% | 5,384 |
Return on Equity (ROE) | 0.4622% | 5,314 |
Retained earnings to average equity (ytd only) | 0.4622% | 4,850 |
Net charge-offs to loans | 0.2182% | 1,192 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 0.0833% | 4,012 |
Efficiency ratio | 99.8387% | 174 |
Assets per employee ($millions) | 4.2892% | 3,503 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5123% | 1,368 |
Loan loss allowance to noncurrent loans | 62.3077% | 4,235 |
Noncurrent assets plus other real estate owned to assets | 0.6062% | 2,528 |
Noncurrent loans to loans | 2.4272% | 570 |
Net loans and leases to total assets | 24.5967% | 5,523 |
Net loans and leases to deposits | 29.6182% | 5,522 |
Net loans and leases to core deposits | 30.0621% | 5,531 |
Total domestic deposits to total assets | 83.0458% | 3,547 |
Equity capital to assets | 16.7863% | 416 |
Core capital (leverage) ratio | 16.7796% | 384 |
Tier 1 risk-based capital ratio | 43.7660% | 170 |
Total risk-based capital ratio | 44.7532% | 170 |
Memoranda: | ||
Average total assets | $21,139,000 | 5,587 |
Average earning assets | $20,178,000 | 5,563 |
Average equity | $3,677,800 | 5,461 |
Average total loans | $5,500,400 | 5,616 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3437% | 5,049 |
Cost of funding earning assets | 0.3450% | 3,724 |
Net interest margin | 2.9987% | 4,920 |
Noninterest income to average assets | 0.1076% | 5,448 |
Noninterest expense to average assets | 2.9752% | 2,180 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | -0.0063% | 5,515 |
Return on assets (ROA) | 0.1076% | 5,449 |
Pretax return on assets | 0.1076% | 5,455 |
Return on Equity (ROE) | 0.6132% | 5,471 |
Retained earnings to average equity (ytd only) | 0.6132% | 5,085 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.2132% | 176 |
Assets per employee ($millions) | 4.2418% | 3,576 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6851% | 1,061 |
Loan loss allowance to noncurrent loans | 68.3824% | 4,170 |
Noncurrent assets plus other real estate owned to assets | 0.6412% | 2,579 |
Noncurrent loans to loans | 2.4642% | 629 |
Net loans and leases to total assets | 25.5835% | 5,578 |
Net loans and leases to deposits | 31.0803% | 5,570 |
Net loans and leases to core deposits | 31.5538% | 5,583 |
Total domestic deposits to total assets | 82.3141% | 3,681 |
Equity capital to assets | 17.3558% | 391 |
Core capital (leverage) ratio | 17.0283% | 381 |
Tier 1 risk-based capital ratio | 43.4006% | 182 |
Total risk-based capital ratio | 44.5236% | 178 |
Memoranda: | ||
Average total assets | $21,062,250 | 5,656 |
Average earning assets | $20,097,000 | 5,629 |
Average equity | $3,697,250 | 5,519 |
Average total loans | $5,536,500 | 5,678 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3054% | 5,096 |
Cost of funding earning assets | 0.3395% | 3,696 |
Net interest margin | 2.9659% | 4,978 |
Noninterest income to average assets | 0.1237% | 5,430 |
Noninterest expense to average assets | 2.7792% | 2,834 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.1808% | 5,421 |
Return on assets (ROA) | 0.2475% | 5,343 |
Pretax return on assets | 0.2379% | 5,400 |
Return on Equity (ROE) | 1.4044% | 5,427 |
Retained earnings to average equity (ytd only) | 1.4044% | 4,687 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.1935% | 304 |
Assets per employee ($millions) | 4.2216% | 3,579 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7587% | 966 |
Loan loss allowance to noncurrent loans | 68.8889% | 4,192 |
Noncurrent assets plus other real estate owned to assets | 0.6396% | 2,640 |
Noncurrent loans to loans | 2.5530% | 573 |
Net loans and leases to total assets | 24.6115% | 5,637 |
Net loans and leases to deposits | 30.1194% | 5,628 |
Net loans and leases to core deposits | 30.5840% | 5,637 |
Total domestic deposits to total assets | 81.7131% | 3,973 |
Equity capital to assets | 17.8084% | 340 |
Core capital (leverage) ratio | 17.1833% | 357 |
Tier 1 risk-based capital ratio | 43.2429% | 178 |
Total risk-based capital ratio | 44.3591% | 175 |
Memoranda: | ||
Average total assets | $21,013,330 | 5,704 |
Average earning assets | $20,027,670 | 5,679 |
Average equity | $3,702,670 | 5,561 |
Average total loans | $5,542,330 | 5,724 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3434% | 5,046 |
Cost of funding earning assets | 0.3203% | 3,849 |
Net interest margin | 3.0231% | 4,844 |
Noninterest income to average assets | 0.1526% | 5,351 |
Noninterest expense to average assets | 2.7473% | 2,962 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.3053% | 5,180 |
Return on assets (ROA) | 0.3053% | 5,201 |
Pretax return on assets | 0.2862% | 5,332 |
Return on Equity (ROE) | 1.7417% | 5,380 |
Retained earnings to average equity (ytd only) | 1.7417% | 4,416 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.5660% | 529 |
Assets per employee ($millions) | 4.2072% | 3,649 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6842% | 1,177 |
Loan loss allowance to noncurrent loans | 55.3571% | 4,535 |
Noncurrent assets plus other real estate owned to assets | 0.7986% | 2,302 |
Noncurrent loans to loans | 3.0424% | 450 |
Net loans and leases to total assets | 25.8081% | 5,671 |
Net loans and leases to deposits | 31.4706% | 5,661 |
Net loans and leases to core deposits | 31.9541% | 5,669 |
Total domestic deposits to total assets | 82.0070% | 4,168 |
Equity capital to assets | 17.5509% | 335 |
Core capital (leverage) ratio | 17.2144% | 350 |
Tier 1 risk-based capital ratio | 41.1664% | 208 |
Total risk-based capital ratio | 42.2319% | 208 |
Memoranda: | ||
Average total assets | $20,966,000 | 5,775 |
Average earning assets | $19,979,500 | 5,748 |
Average equity | $3,674,500 | 5,624 |
Average total loans | $5,669,500 | 5,792 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3170% | 5,133 |
Cost of funding earning assets | 0.3218% | 3,825 |
Net interest margin | 2.9952% | 4,969 |
Noninterest income to average assets | 0.1459% | 5,467 |
Noninterest expense to average assets | 2.8375% | 2,890 |
Loan and lease loss provision to assets | 0.0094% | 4,181 |
Net operating income to assets | 0.1647% | 5,468 |
Return on assets (ROA) | 0.1788% | 5,498 |
Pretax return on assets | 0.1600% | 5,533 |
Return on Equity (ROE) | 0.9884% | 5,570 |
Retained earnings to average equity (ytd only) | 0.9884% | 4,928 |
Net charge-offs to loans | -0.0166% | 5,078 |
Credit loss provision to net charge-offs | -200.0000% | 5,000 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.8113% | 349 |
Assets per employee ($millions) | 4.1792% | 3,651 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5988% | 1,382 |
Loan loss allowance to noncurrent loans | 55.6886% | 4,551 |
Noncurrent assets plus other real estate owned to assets | 0.7992% | 2,354 |
Noncurrent loans to loans | 2.8709% | 489 |
Net loans and leases to total assets | 27.3928% | 5,698 |
Net loans and leases to deposits | 33.3314% | 5,690 |
Net loans and leases to core deposits | 33.8458% | 5,710 |
Total domestic deposits to total assets | 82.1832% | 4,018 |
Equity capital to assets | 17.5010% | 336 |
Core capital (leverage) ratio | 17.3237% | 333 |
Tier 1 risk-based capital ratio | 40.0470% | 218 |
Total risk-based capital ratio | 41.0882% | 217 |
Memoranda: | ||
Average total assets | $21,251,400 | 5,824 |
Average earning assets | $20,199,000 | 5,798 |
Average equity | $3,844,600 | 5,659 |
Average total loans | $6,008,800 | 5,845 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3059% | 5,209 |
Cost of funding earning assets | 0.3220% | 3,844 |
Net interest margin | 2.9838% | 5,044 |
Noninterest income to average assets | 0.1500% | 5,517 |
Noninterest expense to average assets | 2.8553% | 2,807 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.1562% | 5,542 |
Return on assets (ROA) | 0.1749% | 5,567 |
Pretax return on assets | 0.1500% | 5,625 |
Return on Equity (ROE) | 0.9593% | 5,646 |
Retained earnings to average equity (ytd only) | 0.9593% | 5,098 |
Net charge-offs to loans | -0.0220% | 5,042 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.6067% | 329 |
Assets per employee ($millions) | 4.2786% | 3,450 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5026% | 1,757 |
Loan loss allowance to noncurrent loans | 52.6012% | 4,667 |
Noncurrent assets plus other real estate owned to assets | 0.8087% | 2,519 |
Noncurrent loans to loans | 2.8567% | 558 |
Net loans and leases to total assets | 27.8830% | 5,757 |
Net loans and leases to deposits | 34.5017% | 5,749 |
Net loans and leases to core deposits | 35.6162% | 5,756 |
Total domestic deposits to total assets | 80.8162% | 4,297 |
Equity capital to assets | 18.2490% | 322 |
Core capital (leverage) ratio | 16.5853% | 403 |
Tier 1 risk-based capital ratio | 39.0092% | 242 |
Total risk-based capital ratio | 40.0044% | 241 |
Memoranda: | ||
Average total assets | $21,340,250 | 5,888 |
Average earning assets | $20,286,750 | 5,858 |
Average equity | $3,891,500 | 5,717 |
Average total loans | $6,056,750 | 5,909 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3404% | 5,202 |
Cost of funding earning assets | 0.3261% | 3,836 |
Net interest margin | 3.0142% | 5,046 |
Noninterest income to average assets | 0.1407% | 5,608 |
Noninterest expense to average assets | 2.8327% | 2,908 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.1688% | 5,583 |
Return on assets (ROA) | 0.1876% | 5,602 |
Pretax return on assets | 0.1876% | 5,632 |
Return on Equity (ROE) | 1.0290% | 5,684 |
Retained earnings to average equity (ytd only) | 1.0290% | 4,978 |
Net charge-offs to loans | -0.0330% | 5,171 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.3750% | 400 |
Assets per employee ($millions) | 4.2370% | 3,487 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5304% | 1,753 |
Loan loss allowance to noncurrent loans | 59.4771% | 4,587 |
Noncurrent assets plus other real estate owned to assets | 0.7222% | 2,809 |
Noncurrent loans to loans | 2.5732% | 660 |
Net loans and leases to total assets | 27.6375% | 5,834 |
Net loans and leases to deposits | 34.3603% | 5,816 |
Net loans and leases to core deposits | 35.4870% | 5,821 |
Total domestic deposits to total assets | 80.4343% | 4,435 |
Equity capital to assets | 18.5037% | 296 |
Core capital (leverage) ratio | 16.5243% | 401 |
Tier 1 risk-based capital ratio | 39.9618% | 231 |
Total risk-based capital ratio | 40.9836% | 232 |
Memoranda: | ||
Average total assets | $21,322,670 | 5,964 |
Average earning assets | $20,237,330 | 5,934 |
Average equity | $3,887,330 | 5,783 |
Average total loans | $6,057,000 | 5,986 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2716% | 5,374 |
Cost of funding earning assets | 0.3350% | 3,778 |
Net interest margin | 2.9365% | 5,246 |
Noninterest income to average assets | 0.1683% | 5,480 |
Noninterest expense to average assets | 2.7114% | 3,377 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.2431% | 5,446 |
Return on assets (ROA) | 0.2431% | 5,512 |
Pretax return on assets | 0.2431% | 5,590 |
Return on Equity (ROE) | 1.3433% | 5,636 |
Retained earnings to average equity (ytd only) | 1.3433% | 4,722 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.7722% | 564 |
Assets per employee ($millions) | 4.2542% | 3,486 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4955% | 2,008 |
Loan loss allowance to noncurrent loans | 52.6316% | 4,761 |
Noncurrent assets plus other real estate owned to assets | 0.8039% | 2,689 |
Noncurrent loans to loans | 2.8415% | 597 |
Net loans and leases to total assets | 27.8689% | 5,879 |
Net loans and leases to deposits | 34.5616% | 5,856 |
Net loans and leases to core deposits | 35.6850% | 5,864 |
Total domestic deposits to total assets | 80.6356% | 4,593 |
Equity capital to assets | 18.2878% | 303 |
Core capital (leverage) ratio | 15.8185% | 498 |
Tier 1 risk-based capital ratio | 37.0789% | 287 |
Total risk-based capital ratio | 38.0665% | 289 |
Memoranda: | ||
Average total assets | $21,391,500 | 6,024 |
Average earning assets | $20,296,000 | 5,994 |
Average equity | $3,871,000 | 5,834 |
Average total loans | $6,112,500 | 6,047 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3697% | 5,226 |
Cost of funding earning assets | 0.3809% | 3,357 |
Net interest margin | 2.9887% | 5,167 |
Noninterest income to average assets | 0.0741% | 5,937 |
Noninterest expense to average assets | 3.1679% | 2,039 |
Loan and lease loss provision to assets | 0.0139% | 4,125 |
Net operating income to assets | -0.2733% | 5,987 |
Return on assets (ROA) | -0.3242% | 5,999 |
Pretax return on assets | -0.3242% | 5,987 |
Return on Equity (ROE) | -1.7835% | 5,974 |
Retained earnings to average equity (ytd only) | -1.7835% | 5,737 |
Net charge-offs to loans | 0.1354% | 2,002 |
Credit loss provision to net charge-offs | 37.5000% | 3,560 |
Earnings coverage of net charge-offs (x) | -7.0000% | 4,415 |
Efficiency ratio | 108.9172% | 149 |
Assets per employee ($millions) | 4.3024% | 3,379 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4500% | 2,207 |
Loan loss allowance to noncurrent loans | 40.9091% | 5,082 |
Noncurrent assets plus other real estate owned to assets | 1.0227% | 2,148 |
Noncurrent loans to loans | 3.5444% | 385 |
Net loans and leases to total assets | 28.4353% | 5,935 |
Net loans and leases to deposits | 35.0364% | 5,904 |
Net loans and leases to core deposits | 36.1546% | 5,919 |
Total domestic deposits to total assets | 81.1594% | 4,437 |
Equity capital to assets | 17.9063% | 320 |
Core capital (leverage) ratio | 16.6392% | 403 |
Tier 1 risk-based capital ratio | 39.1872% | 239 |
Total risk-based capital ratio | 40.1838% | 241 |
Memoranda: | ||
Average total assets | $21,591,600 | 6,075 |
Average earning assets | $20,476,800 | 6,056 |
Average equity | $3,924,800 | 5,864 |
Average total loans | $5,908,000 | 6,105 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3939% | 5,218 |
Cost of funding earning assets | 0.3966% | 3,255 |
Net interest margin | 2.9973% | 5,196 |
Noninterest income to average assets | 0.1357% | 5,805 |
Noninterest expense to average assets | 3.2389% | 1,854 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | -0.2591% | 6,071 |
Return on assets (ROA) | -0.4010% | 6,126 |
Pretax return on assets | -0.4010% | 6,118 |
Return on Equity (ROE) | -2.1978% | 6,074 |
Retained earnings to average equity (ytd only) | -2.1978% | 5,876 |
Net charge-offs to loans | 0.1829% | 1,389 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | -5.2484% | 4,131 |
Efficiency ratio | 108.6957% | 162 |
Assets per employee ($millions) | 4.2422% | 3,439 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4174% | 2,517 |
Loan loss allowance to noncurrent loans | 35.3659% | 5,312 |
Noncurrent assets plus other real estate owned to assets | 1.2258% | 1,925 |
Noncurrent loans to loans | 4.0078% | 321 |
Net loans and leases to total assets | 28.5277% | 6,018 |
Net loans and leases to deposits | 35.4399% | 5,992 |
Net loans and leases to core deposits | 36.5929% | 6,002 |
Total domestic deposits to total assets | 80.4960% | 4,607 |
Equity capital to assets | 18.4385% | 311 |
Core capital (leverage) ratio | 16.5600% | 422 |
Tier 1 risk-based capital ratio | 38.7559% | 268 |
Total risk-based capital ratio | 39.7070% | 271 |
Memoranda: | ||
Average total assets | $21,611,500 | 6,160 |
Average earning assets | $20,507,000 | 6,139 |
Average equity | $3,943,000 | 5,941 |
Average total loans | $5,833,250 | 6,189 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4123% | 5,201 |
Cost of funding earning assets | 0.4168% | 3,072 |
Net interest margin | 2.9955% | 5,230 |
Noninterest income to average assets | 0.1564% | 5,771 |
Noninterest expense to average assets | 3.2927% | 1,729 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | -0.2943% | 6,134 |
Return on assets (ROA) | -0.5059% | 6,201 |
Pretax return on assets | -0.5059% | 6,189 |
Return on Equity (ROE) | -2.7822% | 6,151 |
Retained earnings to average equity (ytd only) | -2.7822% | 5,906 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 109.8160% | 177 |
Assets per employee ($millions) | 4.2708% | 3,354 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6195% | 1,847 |
Loan loss allowance to noncurrent loans | 38.9344% | 5,280 |
Noncurrent assets plus other real estate owned to assets | 1.2082% | 2,097 |
Noncurrent loans to loans | 4.1596% | 349 |
Net loans and leases to total assets | 27.0254% | 6,116 |
Net loans and leases to deposits | 33.4067% | 6,092 |
Net loans and leases to core deposits | 34.4805% | 6,100 |
Total domestic deposits to total assets | 80.8982% | 4,638 |
Equity capital to assets | 18.1184% | 327 |
Core capital (leverage) ratio | 16.1612% | 446 |
Tier 1 risk-based capital ratio | 39.6254% | 270 |
Total risk-based capital ratio | 40.6846% | 274 |
Memoranda: | ||
Average total assets | $21,745,000 | 6,232 |
Average earning assets | $20,631,000 | 6,204 |
Average equity | $3,953,670 | 6,000 |
Average total loans | $5,731,670 | 6,266 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4982% | 4,972 |
Cost of funding earning assets | 0.4036% | 3,263 |
Net interest margin | 3.0945% | 4,973 |
Noninterest income to average assets | 0.1458% | 5,868 |
Noninterest expense to average assets | 3.5733% | 1,171 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | -0.4922% | 6,243 |
Return on assets (ROA) | -0.7475% | 6,292 |
Pretax return on assets | -0.7475% | 6,280 |
Return on Equity (ROE) | -4.1041% | 6,243 |
Retained earnings to average equity (ytd only) | -4.1041% | 5,868 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 115.9763% | 152 |
Assets per employee ($millions) | 4.3872% | 3,219 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6931% | 1,755 |
Loan loss allowance to noncurrent loans | 45.6731% | 5,135 |
Noncurrent assets plus other real estate owned to assets | 1.0120% | 2,598 |
Noncurrent loans to loans | 3.7070% | 493 |
Net loans and leases to total assets | 25.1459% | 6,192 |
Net loans and leases to deposits | 31.3000% | 6,175 |
Net loans and leases to core deposits | 32.8451% | 6,168 |
Total domestic deposits to total assets | 80.3383% | 4,981 |
Equity capital to assets | 18.2805% | 309 |
Core capital (leverage) ratio | 16.2168% | 440 |
Tier 1 risk-based capital ratio | 42.0080% | 234 |
Total risk-based capital ratio | 43.1262% | 231 |
Memoranda: | ||
Average total assets | $21,940,500 | 6,298 |
Average earning assets | $20,811,000 | 6,269 |
Average equity | $3,996,000 | 6,052 |
Average total loans | $5,664,500 | 6,334 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6601% | 4,908 |
Cost of funding earning assets | 0.4457% | 3,215 |
Net interest margin | 3.2144% | 4,875 |
Noninterest income to average assets | 0.1125% | 6,112 |
Noninterest expense to average assets | 2.9124% | 3,108 |
Loan and lease loss provision to assets | 0.0135% | 4,349 |
Net operating income to assets | 0.2251% | 5,715 |
Return on assets (ROA) | 0.2251% | 5,779 |
Pretax return on assets | 0.2386% | 5,807 |
Return on Equity (ROE) | 1.3202% | 5,930 |
Retained earnings to average equity (ytd only) | 0.2112% | 5,682 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.0341% | 701 |
Assets per employee ($millions) | 4.3890% | 3,210 |
Cash dividends to net income (ytd only)* | 84.0000% | 770 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6614% | 1,885 |
Loan loss allowance to noncurrent loans | 59.3750% | 4,819 |
Noncurrent assets plus other real estate owned to assets | 0.7929% | 3,223 |
Noncurrent loans to loans | 2.7982% | 842 |
Net loans and leases to total assets | 25.6231% | 6,283 |
Net loans and leases to deposits | 31.7236% | 6,267 |
Net loans and leases to core deposits | 33.2801% | 6,255 |
Total domestic deposits to total assets | 80.7701% | 4,804 |
Equity capital to assets | 18.1454% | 306 |
Core capital (leverage) ratio | 16.4840% | 417 |
Tier 1 risk-based capital ratio | 39.5356% | 246 |
Total risk-based capital ratio | 40.5761% | 243 |
Memoranda: | ||
Average total assets | $22,215,200 | 6,381 |
Average earning assets | $21,092,600 | 6,349 |
Average equity | $3,787,400 | 6,131 |
Average total loans | $5,852,600 | 6,420 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6568% | 4,981 |
Cost of funding earning assets | 0.4532% | 3,208 |
Net interest margin | 3.2036% | 4,954 |
Noninterest income to average assets | 0.0957% | 6,263 |
Noninterest expense to average assets | 2.8781% | 3,204 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.2453% | 5,742 |
Return on assets (ROA) | 0.2453% | 5,807 |
Pretax return on assets | 0.2633% | 5,841 |
Return on Equity (ROE) | 1.4623% | 5,959 |
Retained earnings to average equity (ytd only) | 0.7133% | 5,591 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.6190% | 732 |
Assets per employee ($millions) | 4.4230% | 3,101 |
Cash dividends to net income (ytd only)* | 51.2164% | 1,788 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4981% | 2,720 |
Loan loss allowance to noncurrent loans | 49.7297% | 5,156 |
Noncurrent assets plus other real estate owned to assets | 0.8998% | 3,192 |
Noncurrent loans to loans | 3.0125% | 885 |
Net loans and leases to total assets | 27.3525% | 6,330 |
Net loans and leases to deposits | 33.4865% | 6,312 |
Net loans and leases to core deposits | 35.0850% | 6,295 |
Total domestic deposits to total assets | 81.6821% | 4,593 |
Equity capital to assets | 17.5085% | 371 |
Core capital (leverage) ratio | 16.2122% | 452 |
Tier 1 risk-based capital ratio | 37.5233% | 286 |
Total risk-based capital ratio | 38.4767% | 291 |
Memoranda: | ||
Average total assets | $22,282,750 | 6,457 |
Average earning assets | $21,184,000 | 6,424 |
Average equity | $3,738,750 | 6,208 |
Average total loans | $5,886,250 | 6,497 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6386% | 5,044 |
Cost of funding earning assets | 0.4525% | 3,301 |
Net interest margin | 3.1861% | 4,985 |
Noninterest income to average assets | 0.1343% | 6,147 |
Noninterest expense to average assets | 2.7576% | 3,671 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.3760% | 5,308 |
Return on assets (ROA) | 0.3760% | 5,376 |
Pretax return on assets | 0.4029% | 5,553 |
Return on Equity (ROE) | 2.2738% | 5,771 |
Retained earnings to average equity (ytd only) | 1.1369% | 5,301 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.2521% | 1,160 |
Assets per employee ($millions) | 4.5246% | 2,886 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5257% | 2,774 |
Loan loss allowance to noncurrent loans | 47.6684% | 5,249 |
Noncurrent assets plus other real estate owned to assets | 0.9415% | 3,183 |
Noncurrent loans to loans | 3.2007% | 884 |
Net loans and leases to total assets | 26.2476% | 6,412 |
Net loans and leases to deposits | 31.8238% | 6,389 |
Net loans and leases to core deposits | 33.2922% | 6,385 |
Total domestic deposits to total assets | 82.4780% | 4,480 |
Equity capital to assets | 16.8766% | 432 |
Core capital (leverage) ratio | 16.3425% | 430 |
Tier 1 risk-based capital ratio | 37.1728% | 292 |
Total risk-based capital ratio | 38.1172% | 297 |
Memoranda: | ||
Average total assets | $22,338,670 | 6,522 |
Average earning assets | $21,217,000 | 6,491 |
Average equity | $3,694,330 | 6,263 |
Average total loans | $5,801,330 | 6,565 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6329% | 5,058 |
Cost of funding earning assets | 0.4755% | 3,173 |
Net interest margin | 3.1574% | 5,059 |
Noninterest income to average assets | 0.1442% | 6,107 |
Noninterest expense to average assets | 2.7392% | 3,803 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3604% | 5,274 |
Return on assets (ROA) | 0.3604% | 5,337 |
Pretax return on assets | 0.3965% | 5,464 |
Return on Equity (ROE) | 2.2023% | 5,735 |
Retained earnings to average equity (ytd only) | 2.2023% | 4,724 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3563% | 1,296 |
Assets per employee ($millions) | 4.4190% | 3,112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5753% | 2,808 |
Loan loss allowance to noncurrent loans | 56.0976% | 4,977 |
Noncurrent assets plus other real estate owned to assets | 0.8328% | 3,642 |
Noncurrent loans to loans | 2.8082% | 1,182 |
Net loans and leases to total assets | 26.0149% | 6,470 |
Net loans and leases to deposits | 31.4838% | 6,446 |
Net loans and leases to core deposits | 32.9587% | 6,437 |
Total domestic deposits to total assets | 82.6296% | 4,741 |
Equity capital to assets | 16.8228% | 416 |
Core capital (leverage) ratio | 16.3682% | 433 |
Tier 1 risk-based capital ratio | 37.9509% | 274 |
Total risk-based capital ratio | 38.9157% | 272 |
Memoranda: | ||
Average total assets | $22,196,500 | 6,593 |
Average earning assets | $21,030,000 | 6,562 |
Average equity | $3,632,500 | 6,320 |
Average total loans | $5,687,000 | 6,633 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4691% | 5,696 |
Cost of funding earning assets | 0.5933% | 2,727 |
Net interest margin | 2.8759% | 5,837 |
Noninterest income to average assets | 0.1506% | 6,187 |
Noninterest expense to average assets | 2.8063% | 3,699 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.0759% | 6,091 |
Return on assets (ROA) | 0.1636% | 5,976 |
Pretax return on assets | 0.1679% | 5,992 |
Return on Equity (ROE) | 0.9909% | 6,083 |
Retained earnings to average equity (ytd only) | -0.1043% | 5,891 |
Net charge-offs to loans | -0.0880% | 6,447 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.3134% | 574 |
Assets per employee ($millions) | 4.4596% | 2,970 |
Cash dividends to net income (ytd only)* | 110.5263% | 290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6625% | 2,528 |
Loan loss allowance to noncurrent loans | 56.0976% | 5,003 |
Noncurrent assets plus other real estate owned to assets | 0.9238% | 3,592 |
Noncurrent loans to loans | 2.9635% | 1,162 |
Net loans and leases to total assets | 24.4058% | 6,596 |
Net loans and leases to deposits | 29.1078% | 6,597 |
Net loans and leases to core deposits | 30.4379% | 6,593 |
Total domestic deposits to total assets | 83.8461% | 4,224 |
Equity capital to assets | 15.9117% | 539 |
Core capital (leverage) ratio | 15.8316% | 487 |
Tier 1 risk-based capital ratio | 38.2913% | 261 |
Total risk-based capital ratio | 39.2701% | 259 |
Memoranda: | ||
Average total assets | $23,233,800 | 6,658 |
Average earning assets | $22,080,400 | 6,618 |
Average equity | $3,835,000 | 6,366 |
Average total loans | $5,683,800 | 6,716 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4459% | 5,790 |
Cost of funding earning assets | 0.6092% | 2,739 |
Net interest margin | 2.8368% | 5,951 |
Noninterest income to average assets | 0.1534% | 6,270 |
Noninterest expense to average assets | 2.7612% | 3,789 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.0855% | 6,162 |
Return on assets (ROA) | 0.1989% | 5,995 |
Pretax return on assets | 0.2102% | 6,022 |
Return on Equity (ROE) | 1.1946% | 6,144 |
Retained earnings to average equity (ytd only) | 0.4779% | 5,777 |
Net charge-offs to loans | -0.1166% | 6,528 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.8127% | 583 |
Assets per employee ($millions) | 4.5538% | 2,798 |
Cash dividends to net income (ytd only)* | 59.9957% | 1,457 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6075% | 2,969 |
Loan loss allowance to noncurrent loans | 44.8780% | 5,448 |
Noncurrent assets plus other real estate owned to assets | 1.0848% | 3,486 |
Noncurrent loans to loans | 3.5820% | 1,056 |
Net loans and leases to total assets | 24.7310% | 6,674 |
Net loans and leases to deposits | 29.4863% | 6,675 |
Net loans and leases to core deposits | 30.7941% | 6,669 |
Total domestic deposits to total assets | 83.8728% | 4,245 |
Equity capital to assets | 15.8637% | 572 |
Core capital (leverage) ratio | 15.4745% | 566 |
Tier 1 risk-based capital ratio | 37.3503% | 277 |
Total risk-based capital ratio | 38.3003% | 282 |
Memoranda: | ||
Average total assets | $23,467,750 | 6,728 |
Average earning assets | $22,325,500 | 6,691 |
Average equity | $3,906,750 | 6,424 |
Average total loans | $5,721,250 | 6,792 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4146% | 5,873 |
Cost of funding earning assets | 0.6192% | 2,776 |
Net interest margin | 2.7954% | 6,008 |
Noninterest income to average assets | 0.1603% | 6,251 |
Noninterest expense to average assets | 2.6835% | 4,091 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.1354% | 6,053 |
Return on assets (ROA) | 0.3038% | 5,743 |
Pretax return on assets | 0.3207% | 5,815 |
Return on Equity (ROE) | 1.7978% | 6,014 |
Retained earnings to average equity (ytd only) | 0.7491% | 5,600 |
Net charge-offs to loans | -0.2098% | 6,678 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.9254% | 711 |
Assets per employee ($millions) | 4.5462% | 2,745 |
Cash dividends to net income (ytd only)* | 58.3333% | 1,549 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6118% | 3,110 |
Loan loss allowance to noncurrent loans | 45.3659% | 5,406 |
Noncurrent assets plus other real estate owned to assets | 0.9898% | 3,785 |
Noncurrent loans to loans | 3.5529% | 1,172 |
Net loans and leases to total assets | 24.9747% | 6,711 |
Net loans and leases to deposits | 30.2177% | 6,696 |
Net loans and leases to core deposits | 31.5810% | 6,693 |
Total domestic deposits to total assets | 82.6492% | 4,833 |
Equity capital to assets | 16.6337% | 454 |
Core capital (leverage) ratio | 15.3709% | 550 |
Tier 1 risk-based capital ratio | 37.0507% | 288 |
Total risk-based capital ratio | 38.0031% | 285 |
Memoranda: | ||
Average total assets | $23,700,670 | 6,773 |
Average earning assets | $22,608,670 | 6,729 |
Average equity | $4,005,000 | 6,448 |
Average total loans | $5,720,670 | 6,843 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4308% | 5,873 |
Cost of funding earning assets | 0.6238% | 2,891 |
Net interest margin | 2.8070% | 6,018 |
Noninterest income to average assets | 0.1985% | 6,054 |
Noninterest expense to average assets | 2.5801% | 4,470 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.2977% | 5,576 |
Return on assets (ROA) | 0.6450% | 4,150 |
Pretax return on assets | 0.6450% | 4,790 |
Return on Equity (ROE) | 3.7892% | 5,199 |
Retained earnings to average equity (ytd only) | 3.7892% | 3,961 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6552% | 1,172 |
Assets per employee ($millions) | 4.7450% | 2,577 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5552% | 3,592 |
Loan loss allowance to noncurrent loans | 45.5497% | 5,349 |
Noncurrent assets plus other real estate owned to assets | 0.8894% | 4,163 |
Noncurrent loans to loans | 3.4144% | 1,410 |
Net loans and leases to total assets | 23.2118% | 6,791 |
Net loans and leases to deposits | 28.5974% | 6,775 |
Net loans and leases to core deposits | 29.8434% | 6,769 |
Total domestic deposits to total assets | 81.1675% | 5,458 |
Equity capital to assets | 17.3909% | 382 |
Core capital (leverage) ratio | 15.2929% | 545 |
Tier 1 risk-based capital ratio | 38.4177% | 263 |
Total risk-based capital ratio | 39.3354% | 264 |
Memoranda: | ||
Average total assets | $24,185,500 | 6,831 |
Average earning assets | $23,085,000 | 6,789 |
Average equity | $4,117,000 | 6,485 |
Average total loans | $5,696,000 | 6,915 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7075% | 6,034 |
Cost of funding earning assets | 0.7794% | 2,836 |
Net interest margin | 2.9281% | 6,177 |
Noninterest income to average assets | 0.1797% | 6,110 |
Noninterest expense to average assets | 2.6787% | 4,477 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.2681% | 5,580 |
Return on assets (ROA) | 0.3845% | 5,395 |
Pretax return on assets | 0.4012% | 5,575 |
Return on Equity (ROE) | 2.2588% | 5,832 |
Retained earnings to average equity (ytd only) | 0.9821% | 5,387 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.5367% | 1,018 |
Assets per employee ($millions) | 4.9292% | 2,318 |
Cash dividends to net income (ytd only)* | 56.5217% | 1,979 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5005% | 3,744 |
Loan loss allowance to noncurrent loans | 36.4017% | 5,800 |
Noncurrent assets plus other real estate owned to assets | 1.0509% | 3,931 |
Noncurrent loans to loans | 4.1221% | 1,120 |
Net loans and leases to total assets | 23.1721% | 6,875 |
Net loans and leases to deposits | 28.2793% | 6,863 |
Net loans and leases to core deposits | 29.4518% | 6,858 |
Total domestic deposits to total assets | 81.9403% | 5,123 |
Equity capital to assets | 16.6680% | 458 |
Core capital (leverage) ratio | 14.9819% | 574 |
Tier 1 risk-based capital ratio | 36.5713% | 299 |
Total risk-based capital ratio | 37.4543% | 301 |
Memoranda: | ||
Average total assets | $23,929,600 | 6,895 |
Average earning assets | $22,711,000 | 6,847 |
Average equity | $4,073,000 | 6,549 |
Average total loans | $6,086,600 | 6,975 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8323% | 5,947 |
Cost of funding earning assets | 0.8115% | 2,850 |
Net interest margin | 3.0208% | 6,125 |
Noninterest income to average assets | 0.1797% | 6,229 |
Noninterest expense to average assets | 2.7171% | 4,300 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.3160% | 5,558 |
Return on assets (ROA) | 0.3705% | 5,568 |
Pretax return on assets | 0.3818% | 5,758 |
Return on Equity (ROE) | 2.1652% | 5,981 |
Retained earnings to average equity (ytd only) | 1.1483% | 5,714 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.2989% | 1,089 |
Assets per employee ($millions) | 4.8446% | 2,382 |
Cash dividends to net income (ytd only)* | 46.9659% | 1,836 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4595% | 4,113 |
Loan loss allowance to noncurrent loans | 50.5814% | 5,095 |
Noncurrent assets plus other real estate owned to assets | 0.7926% | 4,724 |
Noncurrent loans to loans | 2.8854% | 1,941 |
Net loans and leases to total assets | 24.2497% | 6,964 |
Net loans and leases to deposits | 29.8612% | 6,955 |
Net loans and leases to core deposits | 31.1222% | 6,946 |
Total domestic deposits to total assets | 81.2079% | 5,293 |
Equity capital to assets | 17.1985% | 433 |
Core capital (leverage) ratio | 15.1779% | 583 |
Tier 1 risk-based capital ratio | 36.0493% | 324 |
Total risk-based capital ratio | 36.9212% | 328 |
Memoranda: | ||
Average total assets | $23,750,500 | 6,988 |
Average earning assets | $22,510,000 | 6,941 |
Average equity | $4,064,250 | 6,626 |
Average total loans | $6,158,750 | 7,066 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9470% | 5,791 |
Cost of funding earning assets | 0.8432% | 2,854 |
Net interest margin | 3.1037% | 5,998 |
Noninterest income to average assets | 0.1865% | 6,236 |
Noninterest expense to average assets | 2.7635% | 4,162 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.3560% | 5,399 |
Return on assets (ROA) | 0.4408% | 5,303 |
Pretax return on assets | 0.4408% | 5,596 |
Return on Equity (ROE) | 2.5804% | 5,853 |
Retained earnings to average equity (ytd only) | 1.0421% | 5,660 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.5870% | 1,183 |
Assets per employee ($millions) | 4.6480% | 2,645 |
Cash dividends to net income (ytd only)* | 59.6154% | 1,383 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4345% | 4,320 |
Loan loss allowance to noncurrent loans | 47.0270% | 5,277 |
Noncurrent assets plus other real estate owned to assets | 0.8821% | 4,611 |
Noncurrent loans to loans | 3.0503% | 1,929 |
Net loans and leases to total assets | 25.7229% | 6,990 |
Net loans and leases to deposits | 31.9423% | 6,964 |
Net loans and leases to core deposits | 33.3631% | 6,966 |
Total domestic deposits to total assets | 80.5293% | 5,607 |
Equity capital to assets | 17.7496% | 363 |
Core capital (leverage) ratio | 15.2637% | 551 |
Tier 1 risk-based capital ratio | 36.6585% | 313 |
Total risk-based capital ratio | 37.5486% | 311 |
Memoranda: | ||
Average total assets | $23,593,000 | 7,049 |
Average earning assets | $22,295,670 | 7,002 |
Average equity | $4,030,330 | 6,670 |
Average total loans | $6,224,670 | 7,122 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9364% | 5,931 |
Cost of funding earning assets | 0.8728% | 2,889 |
Net interest margin | 3.0636% | 6,145 |
Noninterest income to average assets | 0.1683% | 6,376 |
Noninterest expense to average assets | 2.6589% | 4,588 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.3635% | 5,410 |
Return on assets (ROA) | 0.4544% | 5,206 |
Pretax return on assets | 0.5048% | 5,411 |
Return on Equity (ROE) | 2.7115% | 5,827 |
Retained earnings to average equity (ytd only) | 2.7115% | 4,903 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.8132% | 1,397 |
Assets per employee ($millions) | 4.7810% | 2,542 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4103% | 4,565 |
Loan loss allowance to noncurrent loans | 46.5241% | 5,282 |
Noncurrent assets plus other real estate owned to assets | 0.8659% | 4,788 |
Noncurrent loans to loans | 3.0313% | 2,133 |
Net loans and leases to total assets | 25.4424% | 7,054 |
Net loans and leases to deposits | 31.1291% | 7,027 |
Net loans and leases to core deposits | 32.4321% | 7,031 |
Total domestic deposits to total assets | 81.7319% | 5,383 |
Equity capital to assets | 16.8458% | 452 |
Core capital (leverage) ratio | 15.1797% | 575 |
Tier 1 risk-based capital ratio | 36.2041% | 307 |
Total risk-based capital ratio | 37.0815% | 309 |
Memoranda: | ||
Average total assets | $23,769,500 | 7,105 |
Average earning assets | $22,457,000 | 7,060 |
Average equity | $3,983,000 | 6,719 |
Average total loans | $6,304,500 | 7,183 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2883% | 5,792 |
Cost of funding earning assets | 1.0347% | 3,126 |
Net interest margin | 3.2537% | 5,943 |
Noninterest income to average assets | 0.1910% | 6,136 |
Noninterest expense to average assets | 2.8407% | 4,196 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.3918% | 4,903 |
Return on assets (ROA) | 0.4112% | 5,001 |
Pretax return on assets | 0.4402% | 5,168 |
Return on Equity (ROE) | 2.6835% | 5,407 |
Retained earnings to average equity (ytd only) | 1.5451% | 5,106 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.1338% | 1,425 |
Assets per employee ($millions) | 4.7268% | 2,549 |
Cash dividends to net income (ytd only)* | 42.4242% | 2,449 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3509% | 4,663 |
Loan loss allowance to noncurrent loans | 37.5000% | 5,744 |
Noncurrent assets plus other real estate owned to assets | 1.0663% | 4,484 |
Noncurrent loans to loans | 3.6025% | 1,772 |
Net loans and leases to total assets | 26.8808% | 7,094 |
Net loans and leases to deposits | 32.7306% | 7,078 |
Net loans and leases to core deposits | 34.1101% | 7,076 |
Total domestic deposits to total assets | 82.1274% | 5,087 |
Equity capital to assets | 16.6667% | 494 |
Core capital (leverage) ratio | 14.7152% | 663 |
Tier 1 risk-based capital ratio | 34.7440% | 340 |
Total risk-based capital ratio | 35.5924% | 348 |
Memoranda: | ||
Average total assets | $24,078,400 | 7,124 |
Average earning assets | $22,712,800 | 7,088 |
Average equity | $3,689,200 | 6,833 |
Average total loans | $6,844,000 | 7,216 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3240% | 5,876 |
Cost of funding earning assets | 1.0635% | 3,222 |
Net interest margin | 3.2605% | 5,984 |
Noninterest income to average assets | 0.1764% | 6,324 |
Noninterest expense to average assets | 2.7890% | 4,384 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.4266% | 4,872 |
Return on assets (ROA) | 0.4520% | 4,954 |
Pretax return on assets | 0.4905% | 5,192 |
Return on Equity (ROE) | 3.0145% | 5,411 |
Retained earnings to average equity (ytd only) | 2.2425% | 5,007 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.7627% | 1,559 |
Assets per employee ($millions) | 5.0534% | 2,123 |
Cash dividends to net income (ytd only)* | 25.6105% | 2,689 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2807% | 5,097 |
Loan loss allowance to noncurrent loans | 51.1765% | 4,935 |
Noncurrent assets plus other real estate owned to assets | 0.7520% | 5,277 |
Noncurrent loans to loans | 2.5026% | 2,768 |
Net loans and leases to total assets | 26.5405% | 7,182 |
Net loans and leases to deposits | 31.9455% | 7,173 |
Net loans and leases to core deposits | 33.1668% | 7,181 |
Total domestic deposits to total assets | 83.0807% | 4,646 |
Equity capital to assets | 15.7162% | 682 |
Core capital (leverage) ratio | 14.8298% | 699 |
Tier 1 risk-based capital ratio | 33.7146% | 394 |
Total risk-based capital ratio | 34.5369% | 401 |
Memoranda: | ||
Average total assets | $24,189,500 | 7,192 |
Average earning assets | $22,817,750 | 7,154 |
Average equity | $3,626,750 | 6,904 |
Average total loans | $6,945,000 | 7,284 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4349% | 5,570 |
Cost of funding earning assets | 1.1488% | 2,908 |
Net interest margin | 3.2861% | 5,901 |
Noninterest income to average assets | 0.1930% | 6,288 |
Noninterest expense to average assets | 2.7948% | 4,441 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.4539% | 4,701 |
Return on assets (ROA) | 0.4616% | 4,803 |
Pretax return on assets | 0.5036% | 5,063 |
Return on Equity (ROE) | 3.1321% | 5,344 |
Retained earnings to average equity (ytd only) | 1.9362% | 5,012 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.9490% | 1,709 |
Assets per employee ($millions) | 4.8782% | 2,284 |
Cash dividends to net income (ytd only)* | 38.1818% | 2,155 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2565% | 5,276 |
Loan loss allowance to noncurrent loans | 55.4140% | 4,706 |
Noncurrent assets plus other real estate owned to assets | 0.7257% | 5,455 |
Noncurrent loans to loans | 2.2675% | 3,141 |
Net loans and leases to total assets | 28.0308% | 7,239 |
Net loans and leases to deposits | 33.2992% | 7,239 |
Net loans and leases to core deposits | 34.6020% | 7,246 |
Total domestic deposits to total assets | 84.1786% | 4,271 |
Equity capital to assets | 15.1080% | 795 |
Core capital (leverage) ratio | 14.6041% | 743 |
Tier 1 risk-based capital ratio | 32.9669% | 420 |
Total risk-based capital ratio | 33.7774% | 425 |
Memoranda: | ||
Average total assets | $23,830,330 | 7,270 |
Average earning assets | $22,458,000 | 7,234 |
Average equity | $3,512,000 | 6,978 |
Average total loans | $6,995,670 | 7,357 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4413% | 5,550 |
Cost of funding earning assets | 1.1916% | 2,878 |
Net interest margin | 3.2498% | 5,923 |
Noninterest income to average assets | 0.1699% | 6,510 |
Noninterest expense to average assets | 2.8535% | 4,253 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.3580% | 5,135 |
Return on assets (ROA) | 0.3907% | 5,082 |
Pretax return on assets | 0.4076% | 5,319 |
Return on Equity (ROE) | 2.6857% | 5,523 |
Retained earnings to average equity (ytd only) | 2.6857% | 4,553 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.4211% | 1,465 |
Assets per employee ($millions) | 4.7528% | 2,490 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2466% | 5,415 |
Loan loss allowance to noncurrent loans | 62.5899% | 4,277 |
Noncurrent assets plus other real estate owned to assets | 0.6733% | 5,606 |
Noncurrent loans to loans | 1.9917% | 3,579 |
Net loans and leases to total assets | 29.0019% | 7,263 |
Net loans and leases to deposits | 34.1171% | 7,270 |
Net loans and leases to core deposits | 35.0043% | 7,285 |
Total domestic deposits to total assets | 85.0067% | 4,032 |
Equity capital to assets | 14.5472% | 868 |
Core capital (leverage) ratio | 14.9737% | 675 |
Tier 1 risk-based capital ratio | 32.3821% | 420 |
Total risk-based capital ratio | 33.1804% | 431 |
Memoranda: | ||
Average total assets | $23,550,000 | 7,327 |
Average earning assets | $22,155,500 | 7,292 |
Average equity | $3,425,500 | 7,033 |
Average total loans | $7,031,500 | 7,413 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5995% | 6,118 |
Cost of funding earning assets | 1.3253% | 3,716 |
Net interest margin | 3.2742% | 6,057 |
Noninterest income to average assets | 0.1723% | 6,509 |
Noninterest expense to average assets | 2.9421% | 4,062 |
Loan and lease loss provision to assets | 0.0215% | 6,903 |
Net operating income to assets | 0.2720% | 5,027 |
Return on assets (ROA) | 0.4480% | 4,489 |
Pretax return on assets | 0.4695% | 4,723 |
Return on Equity (ROE) | 2.8503% | 5,012 |
Retained earnings to average equity (ytd only) | 1.6992% | 4,667 |
Net charge-offs to loans | -0.0141% | 7,339 |
Credit loss provision to net charge-offs | -500.0000% | 7,114 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.5836% | 1,279 |
Assets per employee ($millions) | 4.6672% | 2,597 |
Cash dividends to net income (ytd only)* | 40.3846% | 2,579 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2281% | 5,375 |
Loan loss allowance to noncurrent loans | 35.0806% | 5,978 |
Noncurrent assets plus other real estate owned to assets | 1.1527% | 4,707 |
Noncurrent loans to loans | 3.5008% | 2,163 |
Net loans and leases to total assets | 29.9837% | 7,356 |
Net loans and leases to deposits | 35.2387% | 7,365 |
Net loans and leases to core deposits | 36.1714% | 7,387 |
Total domestic deposits to total assets | 85.0874% | 3,807 |
Equity capital to assets | 14.5441% | 892 |
Core capital (leverage) ratio | 14.7405% | 705 |
Tier 1 risk-based capital ratio | 31.9101% | 429 |
Total risk-based capital ratio | 32.7021% | 442 |
Memoranda: | ||
Average total assets | $23,214,800 | 7,388 |
Average earning assets | $21,806,800 | 7,360 |
Average equity | $3,648,800 | 7,093 |
Average total loans | $7,082,800 | 7,498 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5901% | 6,362 |
Cost of funding earning assets | 1.3403% | 3,970 |
Net interest margin | 3.2497% | 6,170 |
Noninterest income to average assets | 0.1725% | 6,647 |
Noninterest expense to average assets | 2.9502% | 3,921 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.2695% | 5,282 |
Return on assets (ROA) | 0.5118% | 4,452 |
Pretax return on assets | 0.5233% | 4,845 |
Return on Equity (ROE) | 3.1962% | 5,144 |
Retained earnings to average equity (ytd only) | 2.4420% | 4,711 |
Net charge-offs to loans | -0.0188% | 7,348 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.4439% | 1,178 |
Assets per employee ($millions) | 4.7028% | 2,593 |
Cash dividends to net income (ytd only)* | 23.5968% | 2,811 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2110% | 5,437 |
Loan loss allowance to noncurrent loans | 52.2293% | 4,805 |
Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,594 |
Noncurrent loans to loans | 2.3187% | 3,321 |
Net loans and leases to total assets | 28.4469% | 7,499 |
Net loans and leases to deposits | 34.3519% | 7,512 |
Net loans and leases to core deposits | 34.8095% | 7,520 |
Total domestic deposits to total assets | 82.8102% | 4,671 |
Equity capital to assets | 16.1989% | 640 |
Core capital (leverage) ratio | 15.0887% | 700 |
Tier 1 risk-based capital ratio | 34.0576% | 376 |
Total risk-based capital ratio | 34.8530% | 381 |
Memoranda: | ||
Average total assets | $23,184,500 | 7,486 |
Average earning assets | $21,785,750 | 7,452 |
Average equity | $3,712,500 | 7,170 |
Average total loans | $7,082,500 | 7,595 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5901% | 6,484 |
Cost of funding earning assets | 1.3761% | 4,023 |
Net interest margin | 3.2140% | 6,272 |
Noninterest income to average assets | 0.1647% | 6,724 |
Noninterest expense to average assets | 2.8169% | 4,412 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.3548% | 4,952 |
Return on assets (ROA) | 0.6154% | 3,949 |
Pretax return on assets | 0.6327% | 4,467 |
Return on Equity (ROE) | 3.8583% | 4,841 |
Retained earnings to average equity (ytd only) | 2.7171% | 4,403 |
Net charge-offs to loans | -0.0278% | 7,337 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.5559% | 1,454 |
Assets per employee ($millions) | 4.6120% | 2,706 |
Cash dividends to net income (ytd only)* | 29.5775% | 2,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1719% | 5,591 |
Loan loss allowance to noncurrent loans | 37.4429% | 5,864 |
Noncurrent assets plus other real estate owned to assets | 1.0408% | 5,057 |
Noncurrent loans to loans | 3.1299% | 2,564 |
Net loans and leases to total assets | 29.9870% | 7,537 |
Net loans and leases to deposits | 36.5120% | 7,524 |
Net loans and leases to core deposits | 37.0123% | 7,549 |
Total domestic deposits to total assets | 82.1292% | 4,929 |
Equity capital to assets | 16.6869% | 571 |
Core capital (leverage) ratio | 15.1468% | 695 |
Tier 1 risk-based capital ratio | 34.6906% | 362 |
Total risk-based capital ratio | 35.5050% | 367 |
Memoranda: | ||
Average total assets | $23,074,670 | 7,553 |
Average earning assets | $21,655,330 | 7,516 |
Average equity | $3,680,330 | 7,218 |
Average total loans | $7,186,330 | 7,654 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5835% | 6,604 |
Cost of funding earning assets | 1.4231% | 4,029 |
Net interest margin | 3.1604% | 6,417 |
Noninterest income to average assets | 0.1733% | 6,728 |
Noninterest expense to average assets | 2.7727% | 4,596 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.3639% | 5,003 |
Return on assets (ROA) | 0.5199% | 4,430 |
Pretax return on assets | 0.5199% | 4,893 |
Return on Equity (ROE) | 3.3366% | 5,191 |
Retained earnings to average equity (ytd only) | 3.3366% | 4,152 |
Net charge-offs to loans | -0.0549% | 7,369 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.3978% | 1,548 |
Assets per employee ($millions) | 4.6012% | 2,797 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1457% | 5,798 |
Loan loss allowance to noncurrent loans | 56.5517% | 4,562 |
Noncurrent assets plus other real estate owned to assets | 0.7216% | 5,725 |
Noncurrent loans to loans | 2.0260% | 3,755 |
Net loans and leases to total assets | 30.7528% | 7,600 |
Net loans and leases to deposits | 36.9297% | 7,602 |
Net loans and leases to core deposits | 36.9297% | 7,638 |
Total domestic deposits to total assets | 83.2739% | 4,489 |
Equity capital to assets | 15.8741% | 690 |
Core capital (leverage) ratio | 15.0264% | 745 |
Tier 1 risk-based capital ratio | 35.9123% | 333 |
Total risk-based capital ratio | 36.7604% | 335 |
Memoranda: | ||
Average total assets | $23,082,000 | 7,649 |
Average earning assets | $21,643,000 | 7,608 |
Average equity | $3,596,500 | 7,313 |
Average total loans | $7,281,000 | 7,750 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9541% | 6,570 |
Cost of funding earning assets | 1.6560% | 4,757 |
Net interest margin | 3.2982% | 5,756 |
Noninterest income to average assets | 0.1647% | 6,895 |
Noninterest expense to average assets | 2.9177% | 4,473 |
Loan and lease loss provision to assets | 0.0130% | 7,361 |
Net operating income to assets | 0.3277% | 4,423 |
Return on assets (ROA) | 0.5766% | 3,495 |
Pretax return on assets | 0.5853% | 3,949 |
Return on Equity (ROE) | 3.8402% | 4,151 |
Retained earnings to average equity (ytd only) | 2.6275% | 3,306 |
Net charge-offs to loans | -0.0132% | 7,766 |
Credit loss provision to net charge-offs | -300.0000% | 7,407 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.3758% | 1,759 |
Assets per employee ($millions) | 4.6316% | 2,714 |
Cash dividends to net income (ytd only)* | 31.5789% | 3,264 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0939% | 5,928 |
Loan loss allowance to noncurrent loans | 55.8621% | 4,647 |
Noncurrent assets plus other real estate owned to assets | 0.7168% | 5,678 |
Noncurrent loans to loans | 1.9581% | 3,719 |
Net loans and leases to total assets | 31.6262% | 7,672 |
Net loans and leases to deposits | 37.6053% | 7,689 |
Net loans and leases to core deposits | 42.9157% | 7,718 |
Total domestic deposits to total assets | 84.1005% | 3,984 |
Equity capital to assets | 15.2906% | 843 |
Core capital (leverage) ratio | 14.6881% | 841 |
Tier 1 risk-based capital ratio | 35.4845% | 332 |
Total risk-based capital ratio | 36.3196% | 339 |
Memoranda: | ||
Average total assets | $23,066,000 | 7,697 |
Average earning assets | $21,678,800 | 7,658 |
Average equity | $3,463,400 | 7,454 |
Average total loans | $7,553,800 | 7,799 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0165% | 6,555 |
Cost of funding earning assets | 1.6865% | 4,968 |
Net interest margin | 3.3300% | 5,529 |
Noninterest income to average assets | 0.1678% | 7,012 |
Noninterest expense to average assets | 2.8757% | 4,550 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.4071% | 4,369 |
Return on assets (ROA) | 0.5960% | 3,676 |
Pretax return on assets | 0.6191% | 4,133 |
Return on Equity (ROE) | 3.9875% | 4,379 |
Retained earnings to average equity (ytd only) | 3.1745% | 3,538 |
Net charge-offs to loans | -0.0175% | 7,749 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.1930% | 1,944 |
Assets per employee ($millions) | 4.6422% | 2,646 |
Cash dividends to net income (ytd only)* | 20.3888% | 3,227 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0286% | 6,119 |
Loan loss allowance to noncurrent loans | 62.4000% | 4,225 |
Noncurrent assets plus other real estate owned to assets | 0.6290% | 5,875 |
Noncurrent loans to loans | 1.6484% | 4,170 |
Net loans and leases to total assets | 32.3338% | 7,738 |
Net loans and leases to deposits | 38.7235% | 7,768 |
Net loans and leases to core deposits | 44.1756% | 7,796 |
Total domestic deposits to total assets | 83.4992% | 3,963 |
Equity capital to assets | 15.6607% | 860 |
Core capital (leverage) ratio | 14.8995% | 879 |
Tier 1 risk-based capital ratio | 35.6527% | 367 |
Total risk-based capital ratio | 36.4628% | 375 |
Memoranda: | ||
Average total assets | $23,043,000 | 7,769 |
Average earning assets | $21,661,500 | 7,725 |
Average equity | $3,444,000 | 7,527 |
Average total loans | $7,591,000 | 7,877 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0417% | 6,645 |
Cost of funding earning assets | 1.7114% | 5,216 |
Net interest margin | 3.3303% | 5,438 |
Noninterest income to average assets | 0.1827% | 6,987 |
Noninterest expense to average assets | 2.8277% | 4,838 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.4629% | 4,242 |
Return on assets (ROA) | 0.6612% | 3,533 |
Pretax return on assets | 0.6960% | 4,009 |
Return on Equity (ROE) | 4.4966% | 4,307 |
Retained earnings to average equity (ytd only) | 3.2541% | 3,508 |
Net charge-offs to loans | -0.0263% | 7,753 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.3018% | 2,324 |
Assets per employee ($millions) | 4.6026% | 2,601 |
Cash dividends to net income (ytd only)* | 27.6316% | 2,934 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0605% | 5,832 |
Loan loss allowance to noncurrent loans | 28.5714% | 6,590 |
Noncurrent assets plus other real estate owned to assets | 1.2775% | 4,381 |
Noncurrent loans to loans | 3.7118% | 1,873 |
Net loans and leases to total assets | 31.6213% | 7,856 |
Net loans and leases to deposits | 37.2797% | 7,880 |
Net loans and leases to core deposits | 42.7430% | 7,895 |
Total domestic deposits to total assets | 84.8216% | 3,346 |
Equity capital to assets | 14.7438% | 1,096 |
Core capital (leverage) ratio | 14.5917% | 1,000 |
Tier 1 risk-based capital ratio | 36.5333% | 382 |
Total risk-based capital ratio | 37.3699% | 387 |
Memoranda: | ||
Average total assets | $22,987,000 | 7,851 |
Average earning assets | $21,619,670 | 7,804 |
Average equity | $3,380,330 | 7,608 |
Average total loans | $7,593,670 | 7,962 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0855% | 6,688 |
Cost of funding earning assets | 1.7013% | 5,589 |
Net interest margin | 3.3842% | 5,196 |
Noninterest income to average assets | 0.1915% | 6,930 |
Noninterest expense to average assets | 2.8380% | 4,391 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.4724% | 4,554 |
Return on assets (ROA) | 0.4875% | 4,668 |
Pretax return on assets | 0.5572% | 4,891 |
Return on Equity (ROE) | 3.3195% | 5,242 |
Retained earnings to average equity (ytd only) | 3.3195% | 4,030 |
Net charge-offs to loans | -0.0519% | 7,704 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.0206% | 2,305 |
Assets per employee ($millions) | 3.8773% | 3,923 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0277% | 5,965 |
Loan loss allowance to noncurrent loans | 32.5000% | 6,374 |
Noncurrent assets plus other real estate owned to assets | 1.1219% | 4,438 |
Noncurrent loans to loans | 3.1621% | 2,044 |
Net loans and leases to total assets | 32.2902% | 7,860 |
Net loans and leases to deposits | 38.0586% | 7,896 |
Net loans and leases to core deposits | 43.5276% | 7,913 |
Total domestic deposits to total assets | 84.8435% | 3,277 |
Equity capital to assets | 14.6063% | 1,207 |
Core capital (leverage) ratio | 14.7015% | 1,034 |
Tier 1 risk-based capital ratio | 37.5611% | 369 |
Total risk-based capital ratio | 38.4282% | 370 |
Memoranda: | ||
Average total assets | $22,974,000 | 7,901 |
Average earning assets | $21,630,000 | 7,856 |
Average equity | $3,374,000 | 7,664 |
Average total loans | $7,713,000 | 8,004 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4773% | 7,348 |
Cost of funding earning assets | 1.9934% | 6,430 |
Net interest margin | 3.4838% | 5,351 |
Noninterest income to average assets | 0.1915% | 7,088 |
Noninterest expense to average assets | 2.8034% | 4,803 |
Loan and lease loss provision to assets | 0.0218% | 7,121 |
Net operating income to assets | 0.5557% | 4,501 |
Return on assets (ROA) | 0.6138% | 4,108 |
Pretax return on assets | 0.6878% | 4,439 |
Return on Equity (ROE) | 4.2938% | 4,684 |
Retained earnings to average equity (ytd only) | 3.0148% | 3,297 |
Net charge-offs to loans | 0.0800% | 5,619 |
Credit loss provision to net charge-offs | 83.3333% | 5,824 |
Earnings coverage of net charge-offs (x) | 24.6667% | 1,368 |
Efficiency ratio | 81.3131% | 2,397 |
Assets per employee ($millions) | 3.7807% | 3,997 |
Cash dividends to net income (ytd only)* | 29.7872% | 4,117 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9826% | 6,190 |
Loan loss allowance to noncurrent loans | 29.7297% | 6,721 |
Noncurrent assets plus other real estate owned to assets | 1.2344% | 3,751 |
Noncurrent loans to loans | 3.3053% | 1,564 |
Net loans and leases to total assets | 34.2047% | 7,886 |
Net loans and leases to deposits | 41.9043% | 7,899 |
Net loans and leases to core deposits | 47.2994% | 7,940 |
Total domestic deposits to total assets | 81.6258% | 4,360 |
Equity capital to assets | 14.7681% | 1,226 |
Core capital (leverage) ratio | 14.6775% | 1,095 |
Tier 1 risk-based capital ratio | 38.3602% | 367 |
Total risk-based capital ratio | 39.2420% | 365 |
Memoranda: | ||
Average total assets | $22,972,400 | 7,913 |
Average earning assets | $21,470,600 | 7,878 |
Average equity | $3,283,800 | 7,753 |
Average total loans | $7,496,200 | 8,054 |