Home > First Citizens Bank of Butte > Performance and Condition Ratios
First Citizens Bank of Butte, 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 | 4.8294% | 2,417 |
Cost of funding earning assets | 0.4994% | 4,195 |
Net interest margin | 4.3300% | 773 |
Noninterest income to average assets | 0.2100% | 3,699 |
Noninterest expense to average assets | 3.0947% | 966 |
Loan and lease loss provision to assets | -0.0200% | 4,327 |
Net operating income to assets | 1.2917% | 1,449 |
Return on assets (ROA) | 0.6965% | 3,179 |
Pretax return on assets | 0.6965% | 3,446 |
Return on Equity (ROE) | 7.7900% | 3,082 |
Retained earnings to average equity (ytd only) | 1.0222% | 3,833 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 70.8310% | 1,782 |
Assets per employee ($millions) | 5.0422% | 3,604 |
Cash dividends to net income (ytd only)* | 86.8794% | 435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9703% | 398 |
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 | 41.6300% | 3,977 |
Net loans and leases to deposits | 53.8863% | 3,803 |
Net loans and leases to core deposits | 54.2782% | 3,968 |
Total domestic deposits to total assets | 77.2500% | 3,821 |
Equity capital to assets | 9.6325% | 2,254 |
Core capital (leverage) ratio | 11.1230% | 1,882 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $80,976,000 | 4,008 |
Average earning assets | $77,691,400 | 3,952 |
Average equity | $7,239,000 | 4,019 |
Average total loans | $32,161,600 | 4,109 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7403% | 2,393 |
Cost of funding earning assets | 0.4079% | 4,247 |
Net interest margin | 4.3324% | 770 |
Noninterest income to average assets | 0.1700% | 3,949 |
Noninterest expense to average assets | 3.0219% | 1,045 |
Loan and lease loss provision to assets | -0.0200% | 4,368 |
Net operating income to assets | 1.3308% | 1,469 |
Return on assets (ROA) | 1.3308% | 1,453 |
Pretax return on assets | 1.3308% | 1,945 |
Return on Equity (ROE) | 15.1800% | 1,417 |
Retained earnings to average equity (ytd only) | 10.6762% | 1,223 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 69.7948% | 1,810 |
Assets per employee ($millions) | 6.5377% | 2,302 |
Cash dividends to net income (ytd only)* | 29.6663% | 2,081 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9845% | 399 |
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 | 42.4900% | 3,975 |
Net loans and leases to deposits | 53.1596% | 3,830 |
Net loans and leases to core deposits | 53.8109% | 3,941 |
Total domestic deposits to total assets | 79.9400% | 3,536 |
Equity capital to assets | 9.2069% | 2,287 |
Core capital (leverage) ratio | 11.6799% | 1,587 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $81,051,250 | 4,023 |
Average earning assets | $77,798,750 | 3,969 |
Average equity | $7,106,000 | 4,038 |
Average total loans | $31,637,500 | 4,137 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5897% | 2,431 |
Cost of funding earning assets | 0.3658% | 4,218 |
Net interest margin | 4.2240% | 902 |
Noninterest income to average assets | 0.1700% | 3,948 |
Noninterest expense to average assets | 2.8101% | 1,400 |
Loan and lease loss provision to assets | -0.0300% | 4,442 |
Net operating income to assets | 1.4502% | 1,215 |
Return on assets (ROA) | 1.4502% | 1,200 |
Pretax return on assets | 1.4502% | 1,695 |
Return on Equity (ROE) | 16.8100% | 1,134 |
Retained earnings to average equity (ytd only) | 10.0184% | 1,397 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 66.4934% | 2,176 |
Assets per employee ($millions) | 8.5452% | 1,073 |
Cash dividends to net income (ytd only)* | 40.4040% | 1,676 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1643% | 326 |
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 | 39.6800% | 4,048 |
Net loans and leases to deposits | 50.6499% | 3,891 |
Net loans and leases to core deposits | 51.2944% | 3,976 |
Total domestic deposits to total assets | 78.3300% | 3,810 |
Equity capital to assets | 9.3412% | 2,277 |
Core capital (leverage) ratio | 11.2817% | 1,749 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $81,917,667 | 4,028 |
Average earning assets | $78,741,000 | 3,979 |
Average equity | $7,067,000 | 4,069 |
Average total loans | $30,845,667 | 4,159 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4858% | 2,350 |
Cost of funding earning assets | 0.3151% | 4,153 |
Net interest margin | 4.1707% | 994 |
Noninterest income to average assets | 0.1700% | 3,961 |
Noninterest expense to average assets | 2.5349% | 2,148 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.6488% | 910 |
Return on assets (ROA) | 1.6488% | 912 |
Pretax return on assets | 1.6488% | 1,372 |
Return on Equity (ROE) | 19.8600% | 788 |
Retained earnings to average equity (ytd only) | 19.8616% | 389 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 60.5889% | 2,883 |
Assets per employee ($millions) | 5.8845% | 2,862 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3800% | 252 |
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 | 35.8000% | 4,199 |
Net loans and leases to deposits | 45.0437% | 4,067 |
Net loans and leases to core deposits | 45.5692% | 4,124 |
Total domestic deposits to total assets | 79.4700% | 3,842 |
Equity capital to assets | 8.8780% | 2,607 |
Core capital (leverage) ratio | 10.3946% | 2,318 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $84,423,000 | 4,059 |
Average earning assets | $81,234,000 | 4,004 |
Average equity | $7,008,500 | 4,124 |
Average total loans | $30,674,500 | 4,215 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2573% | 3,694 |
Cost of funding earning assets | 0.1721% | 3,985 |
Net interest margin | 3.0852% | 3,212 |
Noninterest income to average assets | 0.3400% | 3,074 |
Noninterest expense to average assets | 2.5313% | 2,021 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.7559% | 3,469 |
Return on assets (ROA) | 0.3831% | 4,226 |
Pretax return on assets | 0.3831% | 4,294 |
Return on Equity (ROE) | 4.9000% | 4,035 |
Retained earnings to average equity (ytd only) | 4.8999% | 3,090 |
Net charge-offs to loans | 0.0148% | 1,833 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 131.4000% | 847 |
Efficiency ratio | 77.0039% | 923 |
Assets per employee ($millions) | 6.6510% | 2,215 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3090% | 261 |
Loan loss allowance to noncurrent loans | 441.1043% | 1,746 |
Noncurrent assets plus other real estate owned to assets | 0.1885% | 2,236 |
Noncurrent loans to loans | 0.5235% | 1,399 |
Net loans and leases to total assets | 35.1800% | 4,250 |
Net loans and leases to deposits | 43.1753% | 4,143 |
Net loans and leases to core deposits | 43.5206% | 4,195 |
Total domestic deposits to total assets | 81.4900% | 3,694 |
Equity capital to assets | 7.7524% | 3,217 |
Core capital (leverage) ratio | 10.0109% | 2,629 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $86,912,600 | 4,050 |
Average earning assets | $83,074,400 | 4,005 |
Average equity | $6,796,000 | 4,241 |
Average total loans | $33,836,800 | 4,172 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0134% | 3,868 |
Cost of funding earning assets | 0.1654% | 3,675 |
Net interest margin | 2.8480% | 3,630 |
Noninterest income to average assets | 0.3300% | 3,174 |
Noninterest expense to average assets | 2.5034% | 2,008 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.5393% | 3,991 |
Return on assets (ROA) | 0.5393% | 3,931 |
Pretax return on assets | 0.5393% | 4,090 |
Return on Equity (ROE) | 6.8800% | 3,612 |
Retained earnings to average equity (ytd only) | 6.8823% | 2,411 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 82.2759% | 641 |
Assets per employee ($millions) | 6.1258% | 2,648 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1904% | 353 |
Loan loss allowance to noncurrent loans | 91.7617% | 3,437 |
Noncurrent assets plus other real estate owned to assets | 0.9200% | 503 |
Noncurrent loans to loans | 2.3871% | 227 |
Net loans and leases to total assets | 37.7000% | 4,159 |
Net loans and leases to deposits | 46.1711% | 4,020 |
Net loans and leases to core deposits | 46.5413% | 4,078 |
Total domestic deposits to total assets | 81.6500% | 3,886 |
Equity capital to assets | 7.0848% | 3,467 |
Core capital (leverage) ratio | 10.1925% | 2,368 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $87,025,000 | 4,076 |
Average earning assets | $83,004,500 | 4,034 |
Average equity | $6,819,250 | 4,282 |
Average total loans | $34,511,250 | 4,186 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9569% | 3,659 |
Cost of funding earning assets | 0.1612% | 3,429 |
Net interest margin | 2.7957% | 3,459 |
Noninterest income to average assets | 0.3659% | 2,951 |
Noninterest expense to average assets | 2.5067% | 1,907 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.5169% | 3,853 |
Return on assets (ROA) | 0.5169% | 3,807 |
Pretax return on assets | 0.5169% | 3,965 |
Return on Equity (ROE) | 6.3959% | 3,474 |
Retained earnings to average equity (ytd only) | 6.3959% | 2,208 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.9047% | 746 |
Assets per employee ($millions) | 5.1300% | 3,563 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0826% | 464 |
Loan loss allowance to noncurrent loans | 532.3529% | 1,485 |
Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,544 |
Noncurrent loans to loans | 0.3912% | 1,962 |
Net loans and leases to total assets | 41.4717% | 4,006 |
Net loans and leases to deposits | 51.6454% | 3,715 |
Net loans and leases to core deposits | 51.8468% | 3,827 |
Total domestic deposits to total assets | 80.3009% | 4,201 |
Equity capital to assets | 8.1579% | 3,003 |
Core capital (leverage) ratio | 10.0015% | 2,392 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $87,446,333 | 4,109 |
Average earning assets | $83,129,000 | 4,086 |
Average equity | $7,067,000 | 4,312 |
Average total loans | $34,997,333 | 4,234 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7346% | 3,876 |
Cost of funding earning assets | 0.1595% | 3,383 |
Net interest margin | 2.5751% | 3,721 |
Noninterest income to average assets | 0.2574% | 3,595 |
Noninterest expense to average assets | 2.5608% | 1,721 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.1331% | 4,427 |
Return on assets (ROA) | 0.1331% | 4,398 |
Pretax return on assets | 0.1331% | 4,409 |
Return on Equity (ROE) | 1.6546% | 4,319 |
Retained earnings to average equity (ytd only) | 1.6546% | 3,641 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.0577% | 362 |
Assets per employee ($millions) | 5.6544% | 3,169 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0689% | 553 |
Loan loss allowance to noncurrent loans | 229.1139% | 2,437 |
Noncurrent assets plus other real estate owned to assets | 0.3726% | 1,620 |
Noncurrent loans to loans | 0.9030% | 1,021 |
Net loans and leases to total assets | 40.4051% | 3,985 |
Net loans and leases to deposits | 49.7193% | 3,752 |
Net loans and leases to core deposits | 50.1001% | 3,868 |
Total domestic deposits to total assets | 81.2665% | 4,174 |
Equity capital to assets | 7.8311% | 3,703 |
Core capital (leverage) ratio | 9.1085% | 3,236 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $90,129,500 | 4,104 |
Average earning assets | $85,277,500 | 4,068 |
Average equity | $7,252,500 | 4,335 |
Average total loans | $35,114,000 | 4,246 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1155% | 3,654 |
Cost of funding earning assets | 0.2022% | 3,438 |
Net interest margin | 2.9132% | 3,415 |
Noninterest income to average assets | 0.2894% | 3,660 |
Noninterest expense to average assets | 2.4066% | 2,475 |
Loan and lease loss provision to assets | 0.0111% | 2,858 |
Net operating income to assets | 0.6779% | 3,676 |
Return on assets (ROA) | 0.6779% | 3,727 |
Pretax return on assets | 0.6779% | 3,973 |
Return on Equity (ROE) | 7.6450% | 3,334 |
Retained earnings to average equity (ytd only) | 2.6237% | 3,791 |
Net charge-offs to loans | 0.2292% | 404 |
Credit loss provision to net charge-offs | 10.9890% | 2,306 |
Earnings coverage of net charge-offs (x) | 6.8022% | 2,380 |
Efficiency ratio | 77.7418% | 970 |
Assets per employee ($millions) | 5.3024% | 3,474 |
Cash dividends to net income (ytd only)* | 65.6814% | 879 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0548% | 565 |
Loan loss allowance to noncurrent loans | 214.8368% | 2,485 |
Noncurrent assets plus other real estate owned to assets | 0.3531% | 1,811 |
Noncurrent loans to loans | 0.9565% | 1,051 |
Net loans and leases to total assets | 36.1577% | 4,281 |
Net loans and leases to deposits | 44.2964% | 4,160 |
Net loans and leases to core deposits | 44.8269% | 4,234 |
Total domestic deposits to total assets | 81.6267% | 4,022 |
Equity capital to assets | 8.2384% | 4,210 |
Core capital (leverage) ratio | 8.3705% | 4,047 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $89,836,000 | 4,098 |
Average earning assets | $86,536,200 | 4,055 |
Average equity | $7,966,000 | 4,330 |
Average total loans | $39,709,800 | 4,196 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2269% | 3,552 |
Cost of funding earning assets | 0.2135% | 3,481 |
Net interest margin | 3.0135% | 3,268 |
Noninterest income to average assets | 0.2548% | 3,868 |
Noninterest expense to average assets | 2.4650% | 2,223 |
Loan and lease loss provision to assets | 0.0758% | 1,534 |
Net operating income to assets | 0.6091% | 3,992 |
Return on assets (ROA) | 0.6091% | 4,043 |
Pretax return on assets | 0.6091% | 4,221 |
Return on Equity (ROE) | 6.7401% | 3,735 |
Retained earnings to average equity (ytd only) | 0.0667% | 4,553 |
Net charge-offs to loans | 0.2972% | 271 |
Credit loss provision to net charge-offs | 54.9451% | 1,830 |
Earnings coverage of net charge-offs (x) | 4.9890% | 2,242 |
Efficiency ratio | 78.2671% | 856 |
Assets per employee ($millions) | 6.0799% | 2,612 |
Cash dividends to net income (ytd only)* | 99.0099% | 202 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1277% | 514 |
Loan loss allowance to noncurrent loans | 198.4416% | 2,547 |
Noncurrent assets plus other real estate owned to assets | 0.4945% | 1,544 |
Noncurrent loans to loans | 1.0722% | 1,056 |
Net loans and leases to total assets | 36.1270% | 4,382 |
Net loans and leases to deposits | 44.0236% | 4,309 |
Net loans and leases to core deposits | 44.5368% | 4,360 |
Total domestic deposits to total assets | 82.0629% | 3,920 |
Equity capital to assets | 8.0840% | 4,473 |
Core capital (leverage) ratio | 8.4958% | 4,037 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $88,434,250 | 4,163 |
Average earning assets | $84,949,500 | 4,121 |
Average equity | $7,991,750 | 4,390 |
Average total loans | $40,828,750 | 4,227 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2953% | 3,438 |
Cost of funding earning assets | 0.2237% | 3,524 |
Net interest margin | 3.0716% | 3,113 |
Noninterest income to average assets | 0.2574% | 3,852 |
Noninterest expense to average assets | 2.5244% | 2,065 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.6878% | 3,789 |
Return on assets (ROA) | 0.6878% | 3,853 |
Pretax return on assets | 0.6878% | 4,090 |
Return on Equity (ROE) | 7.3186% | 3,572 |
Retained earnings to average equity (ytd only) | 2.3400% | 4,040 |
Net charge-offs to loans | 0.4333% | 194 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | 3.1957% | 2,086 |
Efficiency ratio | 78.5870% | 880 |
Assets per employee ($millions) | 5.5374% | 3,083 |
Cash dividends to net income (ytd only)* | 68.0272% | 728 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7334% | 997 |
Loan loss allowance to noncurrent loans | 189.6277% | 2,540 |
Noncurrent assets plus other real estate owned to assets | 0.5327% | 1,563 |
Noncurrent loans to loans | 0.9141% | 1,355 |
Net loans and leases to total assets | 45.6202% | 3,930 |
Net loans and leases to deposits | 56.7436% | 3,663 |
Net loans and leases to core deposits | 57.4844% | 3,799 |
Total domestic deposits to total assets | 80.3971% | 4,166 |
Equity capital to assets | 9.0182% | 3,779 |
Core capital (leverage) ratio | 8.8926% | 3,588 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $85,486,000 | 4,222 |
Average earning assets | $82,237,667 | 4,178 |
Average equity | $8,034,333 | 4,409 |
Average total loans | $42,469,000 | 4,225 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3298% | 3,385 |
Cost of funding earning assets | 0.2375% | 3,583 |
Net interest margin | 3.0923% | 3,013 |
Noninterest income to average assets | 0.2812% | 3,715 |
Noninterest expense to average assets | 2.5688% | 1,962 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.6911% | 3,728 |
Return on assets (ROA) | 0.6911% | 3,795 |
Pretax return on assets | 0.6911% | 4,037 |
Return on Equity (ROE) | 7.1992% | 3,552 |
Retained earnings to average equity (ytd only) | 7.1992% | 2,508 |
Net charge-offs to loans | 0.8531% | 94 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | 1.5761% | 1,843 |
Efficiency ratio | 78.8012% | 910 |
Assets per employee ($millions) | 4.9604% | 3,705 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6279% | 1,221 |
Loan loss allowance to noncurrent loans | 217.3780% | 2,228 |
Noncurrent assets plus other real estate owned to assets | 0.5028% | 1,878 |
Noncurrent loans to loans | 0.7489% | 1,739 |
Net loans and leases to total assets | 51.0951% | 3,531 |
Net loans and leases to deposits | 63.3567% | 3,184 |
Net loans and leases to core deposits | 64.2217% | 3,392 |
Total domestic deposits to total assets | 80.6468% | 4,112 |
Equity capital to assets | 9.5912% | 3,119 |
Core capital (leverage) ratio | 9.3567% | 3,186 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $83,929,500 | 4,256 |
Average earning assets | $80,846,000 | 4,204 |
Average equity | $8,056,500 | 4,425 |
Average total loans | $43,137,500 | 4,232 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8371% | 3,197 |
Cost of funding earning assets | 0.3370% | 3,940 |
Net interest margin | 3.5002% | 2,478 |
Noninterest income to average assets | 0.3111% | 3,621 |
Noninterest expense to average assets | 2.7432% | 2,109 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 0.8933% | 2,726 |
Return on assets (ROA) | 0.8933% | 2,863 |
Pretax return on assets | 0.8933% | 3,382 |
Return on Equity (ROE) | 8.6994% | 2,519 |
Retained earnings to average equity (ytd only) | 3.6708% | 2,997 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4349% | 1,296 |
Assets per employee ($millions) | 4.6407% | 3,774 |
Cash dividends to net income (ytd only)* | 57.8035% | 1,461 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8952% | 736 |
Loan loss allowance to noncurrent loans | 278.5467% | 1,816 |
Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,176 |
Noncurrent loans to loans | 0.6804% | 1,983 |
Net loans and leases to total assets | 49.8851% | 3,837 |
Net loans and leases to deposits | 62.6033% | 3,563 |
Net loans and leases to core deposits | 62.8488% | 3,780 |
Total domestic deposits to total assets | 79.6844% | 4,107 |
Equity capital to assets | 9.6059% | 3,507 |
Core capital (leverage) ratio | 9.1901% | 3,448 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $77,463,800 | 4,276 |
Average earning assets | $73,596,800 | 4,242 |
Average equity | $7,954,600 | 4,427 |
Average total loans | $43,582,800 | 4,242 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9835% | 3,021 |
Cost of funding earning assets | 0.3542% | 4,035 |
Net interest margin | 3.6293% | 2,164 |
Noninterest income to average assets | 0.2826% | 3,793 |
Noninterest expense to average assets | 2.7211% | 2,200 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.9972% | 2,348 |
Return on assets (ROA) | 0.9972% | 2,478 |
Pretax return on assets | 0.9972% | 3,077 |
Return on Equity (ROE) | 9.5413% | 2,189 |
Retained earnings to average equity (ytd only) | 6.1817% | 2,024 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1822% | 1,497 |
Assets per employee ($millions) | 4.6608% | 3,645 |
Cash dividends to net income (ytd only)* | 35.2113% | 2,124 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7602% | 790 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1442% | 3,698 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 53.5545% | 3,840 |
Net loans and leases to deposits | 66.8875% | 3,553 |
Net loans and leases to core deposits | 67.1454% | 3,815 |
Total domestic deposits to total assets | 80.0665% | 3,852 |
Equity capital to assets | 9.7051% | 3,511 |
Core capital (leverage) ratio | 9.8054% | 2,924 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $75,946,750 | 4,303 |
Average earning assets | $71,895,500 | 4,281 |
Average equity | $7,937,250 | 4,453 |
Average total loans | $43,859,750 | 4,258 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7685% | 1,242 |
Cost of funding earning assets | 0.3779% | 4,134 |
Net interest margin | 4.3906% | 635 |
Noninterest income to average assets | 0.2644% | 3,887 |
Noninterest expense to average assets | 2.8515% | 1,969 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 1.5621% | 823 |
Return on assets (ROA) | 1.5621% | 892 |
Pretax return on assets | 1.5621% | 1,315 |
Return on Equity (ROE) | 14.4411% | 801 |
Retained earnings to average equity (ytd only) | 9.4006% | 910 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6078% | 2,728 |
Assets per employee ($millions) | 4.3569% | 3,948 |
Cash dividends to net income (ytd only)* | 34.9040% | 2,144 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7123% | 793 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1543% | 3,752 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 58.9213% | 3,432 |
Net loans and leases to deposits | 74.6559% | 3,011 |
Net loans and leases to core deposits | 74.9659% | 3,373 |
Total domestic deposits to total assets | 78.9238% | 4,049 |
Equity capital to assets | 10.4354% | 2,808 |
Core capital (leverage) ratio | 10.6434% | 2,238 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $73,364,000 | 4,346 |
Average earning assets | $69,329,667 | 4,331 |
Average equity | $7,935,667 | 4,463 |
Average total loans | $43,301,333 | 4,282 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3878% | 2,660 |
Cost of funding earning assets | 0.4263% | 4,251 |
Net interest margin | 3.9615% | 1,496 |
Noninterest income to average assets | 0.2993% | 3,720 |
Noninterest expense to average assets | 3.0720% | 1,714 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.0052% | 2,154 |
Return on assets (ROA) | 1.0052% | 2,265 |
Pretax return on assets | 1.0052% | 2,828 |
Return on Equity (ROE) | 9.1148% | 2,063 |
Retained earnings to average equity (ytd only) | 9.1148% | 944 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.3463% | 1,639 |
Assets per employee ($millions) | 3.9623% | 3,971 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9310% | 575 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1697% | 3,814 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 57.3231% | 3,724 |
Net loans and leases to deposits | 74.4293% | 3,226 |
Net loans and leases to core deposits | 74.7764% | 3,585 |
Total domestic deposits to total assets | 77.0169% | 4,345 |
Equity capital to assets | 11.2280% | 2,659 |
Core capital (leverage) ratio | 10.8895% | 2,575 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $70,833,500 | 4,399 |
Average earning assets | $67,550,500 | 4,360 |
Average equity | $7,811,500 | 4,506 |
Average total loans | $41,445,000 | 4,340 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6212% | 2,547 |
Cost of funding earning assets | 0.4045% | 4,431 |
Net interest margin | 4.2166% | 1,291 |
Noninterest income to average assets | 0.3360% | 3,698 |
Noninterest expense to average assets | 3.3683% | 1,168 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 0.9741% | 2,933 |
Return on assets (ROA) | 0.9741% | 3,020 |
Pretax return on assets | 0.9741% | 3,529 |
Return on Equity (ROE) | 9.0478% | 2,734 |
Retained earnings to average equity (ytd only) | 3.5973% | 3,199 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.5676% | 1,198 |
Assets per employee ($millions) | 4.1379% | 3,710 |
Cash dividends to net income (ytd only)* | 60.2410% | 1,553 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9538% | 491 |
Loan loss allowance to noncurrent loans | 1,219.6970% | 495 |
Noncurrent assets plus other real estate owned to assets | 0.2658% | 3,366 |
Noncurrent loans to loans | 0.1602% | 3,888 |
Net loans and leases to total assets | 57.4255% | 3,814 |
Net loans and leases to deposits | 74.1674% | 3,337 |
Net loans and leases to core deposits | 74.5135% | 3,679 |
Total domestic deposits to total assets | 77.4270% | 4,441 |
Equity capital to assets | 10.8252% | 3,160 |
Core capital (leverage) ratio | 10.5888% | 2,866 |
Tier 1 risk-based capital ratio | 20.8723% | 1,185 |
Total risk-based capital ratio | 22.1320% | 1,162 |
Memoranda: | ||
Average total assets | $68,164,200 | 4,462 |
Average earning assets | $64,767,400 | 4,424 |
Average equity | $7,338,800 | 4,598 |
Average total loans | $40,209,600 | 4,394 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6361% | 2,613 |
Cost of funding earning assets | 0.4052% | 4,487 |
Net interest margin | 4.2309% | 1,305 |
Noninterest income to average assets | 0.3392% | 3,701 |
Noninterest expense to average assets | 3.5808% | 871 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 0.7729% | 3,763 |
Return on assets (ROA) | 0.7729% | 3,831 |
Pretax return on assets | 0.7729% | 4,186 |
Return on Equity (ROE) | 7.1894% | 3,614 |
Retained earnings to average equity (ytd only) | 3.5213% | 3,645 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2464% | 740 |
Assets per employee ($millions) | 4.0929% | 3,772 |
Cash dividends to net income (ytd only)* | 51.0208% | 1,624 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9868% | 479 |
Loan loss allowance to noncurrent loans | 6,708.3333% | 113 |
Noncurrent assets plus other real estate owned to assets | 0.1911% | 3,800 |
Noncurrent loans to loans | 0.0296% | 4,536 |
Net loans and leases to total assets | 57.0747% | 3,961 |
Net loans and leases to deposits | 72.7939% | 3,571 |
Net loans and leases to core deposits | 73.1317% | 3,880 |
Total domestic deposits to total assets | 78.4058% | 4,285 |
Equity capital to assets | 10.8467% | 3,253 |
Core capital (leverage) ratio | 11.1195% | 2,541 |
Tier 1 risk-based capital ratio | 20.7288% | 1,226 |
Total risk-based capital ratio | 21.9892% | 1,201 |
Memoranda: | ||
Average total assets | $67,619,000 | 4,525 |
Average earning assets | $64,161,500 | 4,488 |
Average equity | $7,269,750 | 4,663 |
Average total loans | $39,961,750 | 4,461 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5498% | 2,850 |
Cost of funding earning assets | 0.4151% | 4,450 |
Net interest margin | 4.1348% | 1,510 |
Noninterest income to average assets | 0.3644% | 3,497 |
Noninterest expense to average assets | 3.7273% | 724 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.5645% | 4,394 |
Return on assets (ROA) | 0.5645% | 4,428 |
Pretax return on assets | 0.5645% | 4,604 |
Return on Equity (ROE) | 5.2666% | 4,272 |
Retained earnings to average equity (ytd only) | -0.3065% | 4,732 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.8476% | 501 |
Assets per employee ($millions) | 3.9883% | 3,878 |
Cash dividends to net income (ytd only)* | 105.8201% | 356 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0129% | 468 |
Loan loss allowance to noncurrent loans | 6,708.3333% | 111 |
Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,694 |
Noncurrent loans to loans | 0.0300% | 4,568 |
Net loans and leases to total assets | 61.4107% | 3,610 |
Net loans and leases to deposits | 76.7820% | 3,264 |
Net loans and leases to core deposits | 79.5889% | 3,454 |
Total domestic deposits to total assets | 79.9806% | 4,045 |
Equity capital to assets | 11.5118% | 2,599 |
Core capital (leverage) ratio | 11.2250% | 2,399 |
Tier 1 risk-based capital ratio | 20.6653% | 1,220 |
Total risk-based capital ratio | 21.9258% | 1,195 |
Memoranda: | ||
Average total assets | $66,965,670 | 4,570 |
Average earning assets | $63,606,670 | 4,531 |
Average equity | $7,177,330 | 4,701 |
Average total loans | $39,776,670 | 4,500 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4249% | 3,133 |
Cost of funding earning assets | 0.4197% | 4,404 |
Net interest margin | 4.0052% | 1,843 |
Noninterest income to average assets | 0.3910% | 3,250 |
Noninterest expense to average assets | 4.0384% | 513 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.1401% | 5,062 |
Return on assets (ROA) | 0.1401% | 5,069 |
Pretax return on assets | 0.1401% | 5,076 |
Return on Equity (ROE) | 1.3534% | 5,044 |
Retained earnings to average equity (ytd only) | -9.9253% | 5,104 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.6480% | 219 |
Assets per employee ($millions) | 4.2149% | 3,605 |
Cash dividends to net income (ytd only)* | 833.3333% | 23 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0012% | 498 |
Loan loss allowance to noncurrent loans | 26,833.3333% | 36 |
Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,897 |
Noncurrent loans to loans | 0.0075% | 4,762 |
Net loans and leases to total assets | 58.4552% | 3,835 |
Net loans and leases to deposits | 70.9024% | 3,696 |
Net loans and leases to core deposits | 73.2746% | 3,840 |
Total domestic deposits to total assets | 82.4446% | 3,606 |
Equity capital to assets | 10.4733% | 3,367 |
Core capital (leverage) ratio | 10.3459% | 3,227 |
Tier 1 risk-based capital ratio | 19.8052% | 1,376 |
Total risk-based capital ratio | 21.0669% | 1,349 |
Memoranda: | ||
Average total assets | $68,542,000 | 4,592 |
Average earning assets | $64,815,000 | 4,567 |
Average equity | $7,093,000 | 4,739 |
Average total loans | $39,668,500 | 4,555 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4257% | 2,677 |
Cost of funding earning assets | 0.3822% | 4,092 |
Net interest margin | 4.0435% | 1,851 |
Noninterest income to average assets | 0.3078% | 4,058 |
Noninterest expense to average assets | 3.5089% | 985 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.6172% | 4,369 |
Return on assets (ROA) | 0.6172% | 4,379 |
Pretax return on assets | 0.6172% | 4,603 |
Return on Equity (ROE) | 5.8133% | 4,231 |
Retained earnings to average equity (ytd only) | 0.1000% | 4,958 |
Net charge-offs to loans | 0.0150% | 3,182 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | 67.8333% | 951 |
Efficiency ratio | 85.0423% | 578 |
Assets per employee ($millions) | 3.8692% | 4,072 |
Cash dividends to net income (ytd only)* | 98.2801% | 286 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0582% | 427 |
Loan loss allowance to noncurrent loans | 332.6446% | 1,514 |
Noncurrent assets plus other real estate owned to assets | 0.5212% | 2,507 |
Noncurrent loans to loans | 0.6188% | 2,430 |
Net loans and leases to total assets | 55.0010% | 4,210 |
Net loans and leases to deposits | 66.1795% | 4,107 |
Net loans and leases to core deposits | 68.3036% | 4,221 |
Total domestic deposits to total assets | 83.1089% | 3,289 |
Equity capital to assets | 10.2274% | 3,444 |
Core capital (leverage) ratio | 10.3513% | 3,199 |
Tier 1 risk-based capital ratio | 20.5380% | 1,219 |
Total risk-based capital ratio | 21.8002% | 1,189 |
Memoranda: | ||
Average total assets | $65,946,000 | 4,656 |
Average earning assets | $62,272,400 | 4,624 |
Average equity | $7,001,200 | 4,749 |
Average total loans | $40,124,200 | 4,549 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3905% | 2,661 |
Cost of funding earning assets | 0.3661% | 4,079 |
Net interest margin | 4.0244% | 1,878 |
Noninterest income to average assets | 0.3035% | 4,118 |
Noninterest expense to average assets | 3.4183% | 1,090 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.6951% | 4,234 |
Return on assets (ROA) | 0.6951% | 4,245 |
Pretax return on assets | 0.6951% | 4,544 |
Return on Equity (ROE) | 6.4841% | 4,111 |
Retained earnings to average equity (ytd only) | -1.1667% | 5,146 |
Net charge-offs to loans | 0.0198% | 2,745 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | 56.4988% | 1,092 |
Efficiency ratio | 83.1007% | 698 |
Assets per employee ($millions) | 4.2937% | 3,429 |
Cash dividends to net income (ytd only)* | 117.9938% | 162 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0510% | 444 |
Loan loss allowance to noncurrent loans | 516.0256% | 1,065 |
Noncurrent assets plus other real estate owned to assets | 0.4301% | 2,966 |
Noncurrent loans to loans | 0.3975% | 3,231 |
Net loans and leases to total assets | 59.6901% | 3,876 |
Net loans and leases to deposits | 70.9286% | 3,850 |
Net loans and leases to core deposits | 73.3650% | 3,987 |
Total domestic deposits to total assets | 84.1552% | 2,888 |
Equity capital to assets | 10.7956% | 2,846 |
Core capital (leverage) ratio | 10.9712% | 2,610 |
Tier 1 risk-based capital ratio | 17.1089% | 2,060 |
Total risk-based capital ratio | 18.3672% | 1,996 |
Memoranda: | ||
Average total assets | $65,021,000 | 4,724 |
Average earning assets | $61,555,500 | 4,683 |
Average equity | $6,970,750 | 4,802 |
Average total loans | $40,377,500 | 4,587 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2855% | 2,814 |
Cost of funding earning assets | 0.3536% | 4,052 |
Net interest margin | 3.9319% | 2,097 |
Noninterest income to average assets | 0.3005% | 4,170 |
Noninterest expense to average assets | 3.3729% | 1,173 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.6439% | 4,365 |
Return on assets (ROA) | 0.6439% | 4,374 |
Pretax return on assets | 0.6439% | 4,655 |
Return on Equity (ROE) | 6.0201% | 4,234 |
Retained earnings to average equity (ytd only) | -5.4467% | 5,309 |
Net charge-offs to loans | 0.0294% | 2,271 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 35.0000% | 1,388 |
Efficiency ratio | 83.9695% | 687 |
Assets per employee ($millions) | 4.6072% | 2,956 |
Cash dividends to net income (ytd only)* | 190.4762% | 72 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0222% | 502 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1876% | 4,042 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 60.4688% | 3,766 |
Net loans and leases to deposits | 73.2176% | 3,604 |
Net loans and leases to core deposits | 73.2176% | 3,928 |
Total domestic deposits to total assets | 82.5879% | 3,533 |
Equity capital to assets | 10.6417% | 2,982 |
Core capital (leverage) ratio | 10.8581% | 2,653 |
Tier 1 risk-based capital ratio | 19.2251% | 1,495 |
Total risk-based capital ratio | 20.4864% | 1,449 |
Memoranda: | ||
Average total assets | $65,226,000 | 4,769 |
Average earning assets | $61,649,670 | 4,735 |
Average equity | $6,976,670 | 4,849 |
Average total loans | $40,753,670 | 4,614 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2244% | 2,805 |
Cost of funding earning assets | 0.3472% | 4,015 |
Net interest margin | 3.8772% | 2,131 |
Noninterest income to average assets | 0.3110% | 4,078 |
Noninterest expense to average assets | 3.2262% | 1,515 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.7623% | 3,866 |
Return on assets (ROA) | 0.7623% | 3,865 |
Pretax return on assets | 0.7623% | 4,252 |
Return on Equity (ROE) | 7.1093% | 3,744 |
Retained earnings to average equity (ytd only) | -4.2656% | 5,158 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.8869% | 1,054 |
Assets per employee ($millions) | 4.2823% | 3,516 |
Cash dividends to net income (ytd only)* | 160.0000% | 279 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9870% | 557 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1884% | 4,142 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 62.2791% | 3,515 |
Net loans and leases to deposits | 76.8647% | 3,126 |
Net loans and leases to core deposits | 76.8647% | 3,592 |
Total domestic deposits to total assets | 81.0244% | 4,196 |
Equity capital to assets | 10.8617% | 2,710 |
Core capital (leverage) ratio | 10.6540% | 2,790 |
Tier 1 risk-based capital ratio | 17.3072% | 2,032 |
Total risk-based capital ratio | 18.5655% | 1,980 |
Memoranda: | ||
Average total assets | $65,588,500 | 4,824 |
Average earning assets | $62,210,000 | 4,785 |
Average equity | $7,033,000 | 4,892 |
Average total loans | $41,226,500 | 4,657 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1746% | 2,786 |
Cost of funding earning assets | 0.2435% | 4,617 |
Net interest margin | 3.9311% | 1,986 |
Noninterest income to average assets | 0.3216% | 4,162 |
Noninterest expense to average assets | 3.1496% | 1,718 |
Loan and lease loss provision to assets | 0.1052% | 2,130 |
Net operating income to assets | 0.7544% | 3,373 |
Return on assets (ROA) | 0.7544% | 3,413 |
Pretax return on assets | 0.7544% | 4,377 |
Return on Equity (ROE) | 7.1539% | 3,198 |
Retained earnings to average equity (ytd only) | 3.5912% | 3,116 |
Net charge-offs to loans | 0.0049% | 3,908 |
Credit loss provision to net charge-offs | 3,500.0000% | 117 |
Earnings coverage of net charge-offs (x) | 286.0000% | 300 |
Efficiency ratio | 78.5607% | 1,277 |
Assets per employee ($millions) | 3.9378% | 4,065 |
Cash dividends to net income (ytd only)* | 49.8008% | 2,293 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9478% | 594 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1808% | 4,228 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 60.9871% | 3,734 |
Net loans and leases to deposits | 74.8030% | 3,444 |
Net loans and leases to core deposits | 75.7117% | 3,760 |
Total domestic deposits to total assets | 81.5303% | 3,991 |
Equity capital to assets | 10.5898% | 3,062 |
Core capital (leverage) ratio | 10.5195% | 2,829 |
Tier 1 risk-based capital ratio | 16.6980% | 2,202 |
Total risk-based capital ratio | 17.9552% | 2,144 |
Memoranda: | ||
Average total assets | $66,547,200 | 4,835 |
Average earning assets | $62,424,800 | 4,811 |
Average equity | $7,017,200 | 4,934 |
Average total loans | $40,603,600 | 4,715 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1481% | 2,802 |
Cost of funding earning assets | 0.2079% | 4,905 |
Net interest margin | 3.9402% | 1,895 |
Noninterest income to average assets | 0.3391% | 4,112 |
Noninterest expense to average assets | 3.0479% | 1,965 |
Loan and lease loss provision to assets | 0.0883% | 2,316 |
Net operating income to assets | 0.8909% | 3,072 |
Return on assets (ROA) | 0.8909% | 3,124 |
Pretax return on assets | 0.8909% | 4,072 |
Return on Equity (ROE) | 8.4579% | 2,904 |
Retained earnings to average equity (ytd only) | 3.6955% | 3,728 |
Net charge-offs to loans | 0.0066% | 3,493 |
Credit loss provision to net charge-offs | 2,200.0000% | 193 |
Earnings coverage of net charge-offs (x) | 243.6891% | 362 |
Efficiency ratio | 75.6851% | 1,639 |
Assets per employee ($millions) | 4.1371% | 3,762 |
Cash dividends to net income (ytd only)* | 56.3067% | 1,492 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8227% | 818 |
Loan loss allowance to noncurrent loans | 530.4054% | 985 |
Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,408 |
Noncurrent loans to loans | 0.3437% | 3,713 |
Net loans and leases to total assets | 63.8759% | 3,422 |
Net loans and leases to deposits | 78.2290% | 3,140 |
Net loans and leases to core deposits | 79.1887% | 3,521 |
Total domestic deposits to total assets | 81.6524% | 3,881 |
Equity capital to assets | 10.6898% | 3,173 |
Core capital (leverage) ratio | 10.5650% | 2,916 |
Tier 1 risk-based capital ratio | 15.7954% | 2,589 |
Total risk-based capital ratio | 17.0519% | 2,527 |
Memoranda: | ||
Average total assets | $66,448,500 | 4,892 |
Average earning assets | $62,195,750 | 4,862 |
Average equity | $6,999,250 | 4,998 |
Average total loans | $40,345,250 | 4,768 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0552% | 2,995 |
Cost of funding earning assets | 0.1767% | 5,166 |
Net interest margin | 3.8785% | 2,009 |
Noninterest income to average assets | 0.3307% | 4,177 |
Noninterest expense to average assets | 3.0812% | 1,882 |
Loan and lease loss provision to assets | 0.0511% | 2,963 |
Net operating income to assets | 0.8267% | 3,262 |
Return on assets (ROA) | 0.8267% | 3,320 |
Pretax return on assets | 0.8267% | 4,176 |
Return on Equity (ROE) | 7.8868% | 3,099 |
Retained earnings to average equity (ytd only) | 5.0189% | 2,696 |
Net charge-offs to loans | 0.0051% | 3,288 |
Credit loss provision to net charge-offs | 1,700.0000% | 241 |
Earnings coverage of net charge-offs (x) | 292.0000% | 287 |
Efficiency ratio | 77.8284% | 1,487 |
Assets per employee ($millions) | 4.2091% | 3,600 |
Cash dividends to net income (ytd only)* | 36.3636% | 2,504 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8709% | 763 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1691% | 4,509 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 55.6349% | 4,257 |
Net loans and leases to deposits | 67.1734% | 4,132 |
Net loans and leases to core deposits | 67.9242% | 4,353 |
Total domestic deposits to total assets | 82.8228% | 3,622 |
Equity capital to assets | 9.8569% | 4,080 |
Core capital (leverage) ratio | 11.2556% | 2,174 |
Tier 1 risk-based capital ratio | 16.5649% | 2,294 |
Total risk-based capital ratio | 17.8210% | 2,245 |
Memoranda: | ||
Average total assets | $66,533,330 | 4,923 |
Average earning assets | $62,241,000 | 4,897 |
Average equity | $6,973,670 | 5,029 |
Average total loans | $39,438,000 | 4,825 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0528% | 2,843 |
Cost of funding earning assets | 0.1589% | 5,311 |
Net interest margin | 3.8939% | 1,799 |
Noninterest income to average assets | 0.3436% | 4,096 |
Noninterest expense to average assets | 3.0052% | 2,154 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.0121% | 2,254 |
Return on assets (ROA) | 1.0121% | 2,307 |
Pretax return on assets | 1.0121% | 3,313 |
Return on Equity (ROE) | 9.3453% | 2,256 |
Retained earnings to average equity (ytd only) | 9.3453% | 967 |
Net charge-offs to loans | 0.0103% | 2,625 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 162.0000% | 333 |
Efficiency ratio | 74.8056% | 2,095 |
Assets per employee ($millions) | 3.9844% | 4,037 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8100% | 937 |
Loan loss allowance to noncurrent loans | 18,550.0000% | 54 |
Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,452 |
Noncurrent loans to loans | 0.0098% | 5,209 |
Net loans and leases to total assets | 63.1404% | 3,388 |
Net loans and leases to deposits | 79.0355% | 2,859 |
Net loans and leases to core deposits | 80.0652% | 3,290 |
Total domestic deposits to total assets | 79.8886% | 4,641 |
Equity capital to assets | 11.0243% | 2,609 |
Core capital (leverage) ratio | 11.0166% | 2,349 |
Tier 1 risk-based capital ratio | 16.2988% | 2,435 |
Total risk-based capital ratio | 17.5552% | 2,375 |
Memoranda: | ||
Average total assets | $64,023,000 | 5,035 |
Average earning assets | $60,402,500 | 4,989 |
Average equity | $6,934,000 | 5,078 |
Average total loans | $38,873,000 | 4,893 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8531% | 3,728 |
Cost of funding earning assets | 0.1601% | 5,354 |
Net interest margin | 3.6930% | 2,723 |
Noninterest income to average assets | 0.5128% | 3,150 |
Noninterest expense to average assets | 3.0909% | 2,067 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.9001% | 2,821 |
Return on assets (ROA) | 0.9001% | 2,944 |
Pretax return on assets | 0.9001% | 3,854 |
Return on Equity (ROE) | 8.4360% | 2,719 |
Retained earnings to average equity (ytd only) | 6.9630% | 1,242 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.4463% | 1,779 |
Assets per employee ($millions) | 4.0185% | 3,931 |
Cash dividends to net income (ytd only)* | 17.4603% | 3,811 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0217% | 630 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1882% | 4,568 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 56.0050% | 4,264 |
Net loans and leases to deposits | 70.3644% | 3,871 |
Net loans and leases to core deposits | 70.3644% | 4,211 |
Total domestic deposits to total assets | 79.5928% | 4,660 |
Equity capital to assets | 10.6383% | 2,993 |
Core capital (leverage) ratio | 10.5095% | 2,876 |
Tier 1 risk-based capital ratio | 17.8787% | 1,884 |
Total risk-based capital ratio | 19.1371% | 1,841 |
Memoranda: | ||
Average total assets | $62,992,000 | 5,076 |
Average earning assets | $59,329,200 | 5,037 |
Average equity | $6,721,200 | 5,149 |
Average total loans | $35,727,400 | 5,024 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8515% | 3,763 |
Cost of funding earning assets | 0.1580% | 5,428 |
Net interest margin | 3.6935% | 2,742 |
Noninterest income to average assets | 0.4532% | 3,539 |
Noninterest expense to average assets | 2.9319% | 2,537 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.0021% | 2,423 |
Return on assets (ROA) | 1.0021% | 2,563 |
Pretax return on assets | 1.0021% | 3,622 |
Return on Equity (ROE) | 9.3847% | 2,311 |
Retained earnings to average equity (ytd only) | 7.3922% | 1,444 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5268% | 2,185 |
Assets per employee ($millions) | 4.5367% | 3,023 |
Cash dividends to net income (ytd only)* | 21.2316% | 3,175 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0519% | 663 |
Loan loss allowance to noncurrent loans | 895.1807% | 648 |
Noncurrent assets plus other real estate owned to assets | 0.3212% | 4,122 |
Noncurrent loans to loans | 0.2292% | 4,451 |
Net loans and leases to total assets | 55.8428% | 4,325 |
Net loans and leases to deposits | 72.3911% | 3,764 |
Net loans and leases to core deposits | 72.3911% | 4,128 |
Total domestic deposits to total assets | 77.1405% | 5,057 |
Equity capital to assets | 10.8543% | 3,197 |
Core capital (leverage) ratio | 10.8372% | 2,640 |
Tier 1 risk-based capital ratio | 18.1574% | 1,868 |
Total risk-based capital ratio | 19.4163% | 1,838 |
Memoranda: | ||
Average total assets | $62,666,000 | 5,126 |
Average earning assets | $59,057,250 | 5,089 |
Average equity | $6,691,500 | 5,204 |
Average total loans | $35,471,250 | 5,079 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9170% | 3,549 |
Cost of funding earning assets | 0.1571% | 5,499 |
Net interest margin | 3.7599% | 2,476 |
Noninterest income to average assets | 0.4873% | 3,279 |
Noninterest expense to average assets | 2.9944% | 2,366 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.0227% | 2,283 |
Return on assets (ROA) | 1.0227% | 2,422 |
Pretax return on assets | 1.0227% | 3,501 |
Return on Equity (ROE) | 9.6316% | 2,213 |
Retained earnings to average equity (ytd only) | 6.6123% | 1,806 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5411% | 2,283 |
Assets per employee ($millions) | 4.1353% | 3,677 |
Cash dividends to net income (ytd only)* | 31.3480% | 2,784 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0690% | 643 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1951% | 4,704 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 56.6951% | 4,234 |
Net loans and leases to deposits | 73.7166% | 3,628 |
Net loans and leases to core deposits | 73.7166% | 4,006 |
Total domestic deposits to total assets | 76.9096% | 5,170 |
Equity capital to assets | 10.9125% | 3,156 |
Core capital (leverage) ratio | 10.8408% | 2,606 |
Tier 1 risk-based capital ratio | 17.8872% | 1,966 |
Total risk-based capital ratio | 19.1475% | 1,920 |
Memoranda: | ||
Average total assets | $62,383,330 | 5,190 |
Average earning assets | $58,565,000 | 5,144 |
Average equity | $6,624,000 | 5,263 |
Average total loans | $35,224,670 | 5,130 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8228% | 3,864 |
Cost of funding earning assets | 0.1576% | 5,555 |
Net interest margin | 3.6653% | 2,827 |
Noninterest income to average assets | 0.6394% | 2,323 |
Noninterest expense to average assets | 2.9987% | 2,397 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.0614% | 2,046 |
Return on assets (ROA) | 1.0614% | 2,154 |
Pretax return on assets | 1.0614% | 3,238 |
Return on Equity (ROE) | 10.1351% | 1,933 |
Retained earnings to average equity (ytd only) | 10.1351% | 824 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8583% | 2,500 |
Assets per employee ($millions) | 4.1883% | 3,603 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0979% | 686 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,795 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 55.1907% | 4,336 |
Net loans and leases to deposits | 70.6401% | 3,796 |
Net loans and leases to core deposits | 70.6401% | 4,187 |
Total domestic deposits to total assets | 78.1294% | 5,123 |
Equity capital to assets | 10.6010% | 3,372 |
Core capital (leverage) ratio | 10.3968% | 3,075 |
Tier 1 risk-based capital ratio | 17.6825% | 2,077 |
Total risk-based capital ratio | 18.9410% | 2,039 |
Memoranda: | ||
Average total assets | $62,560,000 | 5,234 |
Average earning assets | $58,386,000 | 5,204 |
Average equity | $6,551,500 | 5,313 |
Average total loans | $34,881,500 | 5,182 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9741% | 3,410 |
Cost of funding earning assets | 0.1611% | 5,603 |
Net interest margin | 3.8130% | 2,326 |
Noninterest income to average assets | 0.3701% | 4,264 |
Noninterest expense to average assets | 3.2704% | 1,791 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.6493% | 4,040 |
Return on assets (ROA) | 0.6493% | 4,137 |
Pretax return on assets | 0.6493% | 4,678 |
Return on Equity (ROE) | 6.1830% | 3,957 |
Retained earnings to average equity (ytd only) | -2.7041% | 5,798 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.4351% | 1,231 |
Assets per employee ($millions) | 3.8935% | 4,128 |
Cash dividends to net income (ytd only)* | 143.7346% | 173 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1632% | 625 |
Loan loss allowance to noncurrent loans | 2,972.0000% | 236 |
Noncurrent assets plus other real estate owned to assets | 0.2344% | 4,659 |
Noncurrent loans to loans | 0.0728% | 5,214 |
Net loans and leases to total assets | 53.9425% | 4,508 |
Net loans and leases to deposits | 67.8170% | 4,145 |
Net loans and leases to core deposits | 67.8170% | 4,460 |
Total domestic deposits to total assets | 79.5412% | 4,857 |
Equity capital to assets | 10.3426% | 3,575 |
Core capital (leverage) ratio | 9.9408% | 3,596 |
Tier 1 risk-based capital ratio | 17.6253% | 2,086 |
Total risk-based capital ratio | 18.8846% | 2,030 |
Memoranda: | ||
Average total assets | $62,682,600 | 5,251 |
Average earning assets | $58,352,400 | 5,230 |
Average equity | $6,582,600 | 5,328 |
Average total loans | $35,741,200 | 5,163 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8664% | 3,870 |
Cost of funding earning assets | 0.1617% | 5,693 |
Net interest margin | 3.7047% | 2,751 |
Noninterest income to average assets | 0.3568% | 4,390 |
Noninterest expense to average assets | 3.0965% | 2,231 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.7157% | 3,842 |
Return on assets (ROA) | 0.7157% | 3,941 |
Pretax return on assets | 0.7157% | 4,625 |
Return on Equity (ROE) | 6.7899% | 3,731 |
Retained earnings to average equity (ytd only) | -0.2619% | 5,655 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.2256% | 1,497 |
Assets per employee ($millions) | 3.9332% | 4,009 |
Cash dividends to net income (ytd only)* | 103.8592% | 328 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1104% | 763 |
Loan loss allowance to noncurrent loans | 117.0079% | 3,332 |
Noncurrent assets plus other real estate owned to assets | 1.2013% | 1,970 |
Noncurrent loans to loans | 1.8037% | 1,315 |
Net loans and leases to total assets | 54.7632% | 4,485 |
Net loans and leases to deposits | 70.0083% | 3,986 |
Net loans and leases to core deposits | 70.0083% | 4,367 |
Total domestic deposits to total assets | 78.2238% | 5,147 |
Equity capital to assets | 10.5846% | 3,497 |
Core capital (leverage) ratio | 10.8124% | 2,702 |
Tier 1 risk-based capital ratio | 18.3120% | 1,950 |
Total risk-based capital ratio | 19.5711% | 1,906 |
Memoranda: | ||
Average total assets | $62,779,250 | 5,314 |
Average earning assets | $58,554,250 | 5,289 |
Average equity | $6,617,500 | 5,384 |
Average total loans | $36,089,750 | 5,211 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8405% | 3,918 |
Cost of funding earning assets | 0.1649% | 5,741 |
Net interest margin | 3.6756% | 2,812 |
Noninterest income to average assets | 0.3539% | 4,427 |
Noninterest expense to average assets | 2.9747% | 2,631 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.7907% | 3,433 |
Return on assets (ROA) | 0.7907% | 3,528 |
Pretax return on assets | 0.7907% | 4,349 |
Return on Equity (ROE) | 7.5117% | 3,316 |
Retained earnings to average equity (ytd only) | -3.0895% | 5,927 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0008% | 1,913 |
Assets per employee ($millions) | 3.9066% | 4,055 |
Cash dividends to net income (ytd only)* | 141.1290% | 216 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0591% | 904 |
Loan loss allowance to noncurrent loans | 117.0079% | 3,338 |
Noncurrent assets plus other real estate owned to assets | 1.5295% | 1,601 |
Noncurrent loans to loans | 1.7598% | 1,458 |
Net loans and leases to total assets | 56.5395% | 4,274 |
Net loans and leases to deposits | 71.6226% | 3,752 |
Net loans and leases to core deposits | 71.9990% | 4,135 |
Total domestic deposits to total assets | 78.9409% | 5,110 |
Equity capital to assets | 10.4824% | 3,459 |
Core capital (leverage) ratio | 10.6440% | 2,800 |
Tier 1 risk-based capital ratio | 17.3551% | 2,267 |
Total risk-based capital ratio | 18.6152% | 2,225 |
Memoranda: | ||
Average total assets | $62,728,670 | 5,380 |
Average earning assets | $58,222,330 | 5,360 |
Average equity | $6,603,000 | 5,431 |
Average total loans | $36,384,330 | 5,247 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8200% | 3,927 |
Cost of funding earning assets | 0.1777% | 5,696 |
Net interest margin | 3.6423% | 2,847 |
Noninterest income to average assets | 0.3374% | 4,495 |
Noninterest expense to average assets | 2.9471% | 2,748 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7829% | 3,352 |
Return on assets (ROA) | 0.7829% | 3,484 |
Pretax return on assets | 0.7829% | 4,303 |
Return on Equity (ROE) | 7.4225% | 3,262 |
Retained earnings to average equity (ytd only) | 1.3879% | 4,932 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0102% | 2,036 |
Assets per employee ($millions) | 4.4343% | 3,156 |
Cash dividends to net income (ytd only)* | 81.3008% | 953 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0109% | 1,054 |
Loan loss allowance to noncurrent loans | 116.0938% | 3,333 |
Noncurrent assets plus other real estate owned to assets | 1.5480% | 1,669 |
Noncurrent loans to loans | 1.7322% | 1,578 |
Net loans and leases to total assets | 58.3199% | 3,897 |
Net loans and leases to deposits | 74.9245% | 3,169 |
Net loans and leases to core deposits | 75.3251% | 3,659 |
Total domestic deposits to total assets | 77.8383% | 5,480 |
Equity capital to assets | 10.7829% | 3,211 |
Core capital (leverage) ratio | 10.7257% | 2,719 |
Tier 1 risk-based capital ratio | 16.6139% | 2,631 |
Total risk-based capital ratio | 17.8724% | 2,579 |
Memoranda: | ||
Average total assets | $62,840,500 | 5,429 |
Average earning assets | $58,534,500 | 5,400 |
Average equity | $6,628,500 | 5,477 |
Average total loans | $36,535,000 | 5,272 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6911% | 4,798 |
Cost of funding earning assets | 0.2411% | 5,416 |
Net interest margin | 3.4500% | 3,979 |
Noninterest income to average assets | 0.5408% | 3,230 |
Noninterest expense to average assets | 2.9185% | 3,086 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.8227% | 3,268 |
Return on assets (ROA) | 0.8227% | 3,358 |
Pretax return on assets | 0.8227% | 4,180 |
Return on Equity (ROE) | 8.2120% | 3,013 |
Retained earnings to average equity (ytd only) | 5.2300% | 2,449 |
Net charge-offs to loans | 0.0113% | 4,677 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 134.2500% | 402 |
Efficiency ratio | 78.0098% | 2,207 |
Assets per employee ($millions) | 4.5529% | 2,951 |
Cash dividends to net income (ytd only)* | 36.3128% | 3,050 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0569% | 1,014 |
Loan loss allowance to noncurrent loans | 88.4524% | 4,000 |
Noncurrent assets plus other real estate owned to assets | 1.9626% | 1,312 |
Noncurrent loans to loans | 2.3255% | 1,120 |
Net loans and leases to total assets | 55.5043% | 4,389 |
Net loans and leases to deposits | 69.5629% | 3,969 |
Net loans and leases to core deposits | 69.9162% | 4,336 |
Total domestic deposits to total assets | 79.7901% | 5,071 |
Equity capital to assets | 10.5160% | 3,455 |
Core capital (leverage) ratio | 10.3848% | 3,072 |
Tier 1 risk-based capital ratio | 20.2671% | 1,541 |
Total risk-based capital ratio | 21.5278% | 1,510 |
Memoranda: | ||
Average total assets | $65,273,800 | 5,416 |
Average earning assets | $60,551,200 | 5,380 |
Average equity | $6,539,200 | 5,510 |
Average total loans | $35,449,200 | 5,348 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6462% | 5,017 |
Cost of funding earning assets | 0.2606% | 5,296 |
Net interest margin | 3.3856% | 4,291 |
Noninterest income to average assets | 0.5645% | 3,103 |
Noninterest expense to average assets | 2.9019% | 3,108 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.8021% | 3,418 |
Return on assets (ROA) | 0.8021% | 3,513 |
Pretax return on assets | 0.8021% | 4,359 |
Return on Equity (ROE) | 8.1045% | 3,151 |
Retained earnings to average equity (ytd only) | 6.1553% | 2,311 |
Net charge-offs to loans | 0.0151% | 4,249 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 98.8086% | 592 |
Efficiency ratio | 78.3443% | 2,128 |
Assets per employee ($millions) | 4.4779% | 3,011 |
Cash dividends to net income (ytd only)* | 24.0501% | 3,060 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0823% | 1,112 |
Loan loss allowance to noncurrent loans | 67.2398% | 4,567 |
Noncurrent assets plus other real estate owned to assets | 2.4182% | 1,112 |
Noncurrent loans to loans | 3.0968% | 841 |
Net loans and leases to total assets | 55.7330% | 4,366 |
Net loans and leases to deposits | 70.2729% | 3,888 |
Net loans and leases to core deposits | 70.6366% | 4,273 |
Total domestic deposits to total assets | 79.3093% | 5,260 |
Equity capital to assets | 10.6237% | 3,405 |
Core capital (leverage) ratio | 10.8632% | 2,618 |
Tier 1 risk-based capital ratio | 20.0440% | 1,662 |
Total risk-based capital ratio | 21.3046% | 1,628 |
Memoranda: | ||
Average total assets | $65,657,000 | 5,463 |
Average earning assets | $60,884,000 | 5,432 |
Average equity | $6,498,250 | 5,575 |
Average total loans | $35,281,000 | 5,407 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5693% | 5,237 |
Cost of funding earning assets | 0.2815% | 5,163 |
Net interest margin | 3.2878% | 4,634 |
Noninterest income to average assets | 0.6272% | 2,667 |
Noninterest expense to average assets | 2.8179% | 3,436 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.8583% | 3,023 |
Return on assets (ROA) | 0.8583% | 3,125 |
Pretax return on assets | 0.8583% | 4,048 |
Return on Equity (ROE) | 8.8760% | 2,646 |
Retained earnings to average equity (ytd only) | 7.4794% | 1,527 |
Net charge-offs to loans | 0.0228% | 3,750 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 71.5000% | 724 |
Efficiency ratio | 76.6531% | 2,512 |
Assets per employee ($millions) | 4.0203% | 3,795 |
Cash dividends to net income (ytd only)* | 15.7343% | 3,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1411% | 1,103 |
Loan loss allowance to noncurrent loans | 224.4713% | 1,939 |
Noncurrent assets plus other real estate owned to assets | 1.2304% | 2,635 |
Noncurrent loans to loans | 0.9538% | 3,338 |
Net loans and leases to total assets | 56.3121% | 4,242 |
Net loans and leases to deposits | 71.6329% | 3,621 |
Net loans and leases to core deposits | 72.5434% | 3,995 |
Total domestic deposits to total assets | 78.6121% | 5,530 |
Equity capital to assets | 10.9410% | 2,935 |
Core capital (leverage) ratio | 10.6911% | 2,732 |
Tier 1 risk-based capital ratio | 19.9487% | 1,699 |
Total risk-based capital ratio | 21.2113% | 1,666 |
Memoranda: | ||
Average total assets | $66,646,000 | 5,488 |
Average earning assets | $61,804,000 | 5,460 |
Average equity | $6,444,330 | 5,618 |
Average total loans | $35,147,330 | 5,453 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3783% | 5,694 |
Cost of funding earning assets | 0.2938% | 5,137 |
Net interest margin | 3.0845% | 5,301 |
Noninterest income to average assets | 0.9281% | 1,308 |
Noninterest expense to average assets | 2.6068% | 4,246 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.2089% | 1,461 |
Return on assets (ROA) | 1.2089% | 1,523 |
Pretax return on assets | 1.2089% | 2,454 |
Return on Equity (ROE) | 13.2548% | 1,096 |
Retained earnings to average equity (ytd only) | 13.2548% | 457 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3183% | 4,129 |
Assets per employee ($millions) | 4.6503% | 2,726 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0980% | 1,325 |
Loan loss allowance to noncurrent loans | 219.7059% | 1,939 |
Noncurrent assets plus other real estate owned to assets | 1.0766% | 3,103 |
Noncurrent loans to loans | 0.9549% | 3,503 |
Net loans and leases to total assets | 49.9735% | 4,913 |
Net loans and leases to deposits | 61.4191% | 4,611 |
Net loans and leases to core deposits | 62.0698% | 4,873 |
Total domestic deposits to total assets | 81.3648% | 5,135 |
Equity capital to assets | 9.3226% | 4,734 |
Core capital (leverage) ratio | 9.5374% | 4,225 |
Tier 1 risk-based capital ratio | 19.7965% | 1,770 |
Total risk-based capital ratio | 21.0581% | 1,731 |
Memoranda: | ||
Average total assets | $69,816,500 | 5,452 |
Average earning assets | $65,358,000 | 5,395 |
Average equity | $6,367,500 | 5,673 |
Average total loans | $35,370,000 | 5,493 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0192% | 4,024 |
Cost of funding earning assets | 0.4164% | 4,467 |
Net interest margin | 3.6028% | 3,456 |
Noninterest income to average assets | 0.3519% | 4,797 |
Noninterest expense to average assets | 3.0428% | 2,922 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.6677% | 3,951 |
Return on assets (ROA) | 0.6677% | 4,048 |
Pretax return on assets | 0.6677% | 4,645 |
Return on Equity (ROE) | 7.5713% | 3,264 |
Retained earnings to average equity (ytd only) | 7.5713% | 1,210 |
Net charge-offs to loans | 0.2285% | 2,634 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 5.1222% | 3,376 |
Efficiency ratio | 82.0062% | 1,875 |
Assets per employee ($millions) | 4.1105% | 3,626 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1261% | 1,293 |
Loan loss allowance to noncurrent loans | 213.4286% | 1,983 |
Noncurrent assets plus other real estate owned to assets | 1.1949% | 3,015 |
Noncurrent loans to loans | 0.9962% | 3,522 |
Net loans and leases to total assets | 49.2101% | 5,172 |
Net loans and leases to deposits | 59.4458% | 4,982 |
Net loans and leases to core deposits | 60.0625% | 5,216 |
Total domestic deposits to total assets | 82.7814% | 4,618 |
Equity capital to assets | 8.9184% | 5,133 |
Core capital (leverage) ratio | 9.2938% | 4,563 |
Tier 1 risk-based capital ratio | 19.5070% | 1,784 |
Total risk-based capital ratio | 20.7697% | 1,742 |
Memoranda: | ||
Average total assets | $69,047,200 | 5,507 |
Average earning assets | $64,366,000 | 5,452 |
Average equity | $6,088,800 | 5,800 |
Average total loans | $39,390,400 | 5,371 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1266% | 3,656 |
Cost of funding earning assets | 0.4479% | 4,297 |
Net interest margin | 3.6788% | 3,111 |
Noninterest income to average assets | 0.3564% | 4,845 |
Noninterest expense to average assets | 3.1958% | 2,383 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.5810% | 4,424 |
Return on assets (ROA) | 0.5810% | 4,554 |
Pretax return on assets | 0.5810% | 5,092 |
Return on Equity (ROE) | 6.6081% | 3,869 |
Retained earnings to average equity (ytd only) | 6.6081% | 2,077 |
Net charge-offs to loans | 0.2966% | 2,052 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 3.3333% | 3,735 |
Efficiency ratio | 84.6154% | 1,523 |
Assets per employee ($millions) | 4.0681% | 3,700 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0033% | 1,713 |
Loan loss allowance to noncurrent loans | 193.2817% | 2,045 |
Noncurrent assets plus other real estate owned to assets | 1.2609% | 3,117 |
Noncurrent loans to loans | 1.0365% | 3,728 |
Net loans and leases to total assets | 52.9078% | 4,764 |
Net loans and leases to deposits | 64.5645% | 4,456 |
Net loans and leases to core deposits | 65.5993% | 4,746 |
Total domestic deposits to total assets | 81.9457% | 4,950 |
Equity capital to assets | 8.8507% | 5,364 |
Core capital (leverage) ratio | 8.9459% | 5,211 |
Tier 1 risk-based capital ratio | 17.9748% | 2,335 |
Total risk-based capital ratio | 19.2366% | 2,293 |
Memoranda: | ||
Average total assets | $68,839,500 | 5,570 |
Average earning assets | $64,005,250 | 5,524 |
Average equity | $6,053,000 | 5,881 |
Average total loans | $40,454,500 | 5,381 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2023% | 3,361 |
Cost of funding earning assets | 0.4812% | 4,078 |
Net interest margin | 3.7212% | 2,880 |
Noninterest income to average assets | 0.3608% | 4,807 |
Noninterest expense to average assets | 3.0495% | 2,838 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.7769% | 3,422 |
Return on assets (ROA) | 0.7769% | 3,578 |
Pretax return on assets | 0.7769% | 4,403 |
Return on Equity (ROE) | 8.8552% | 2,676 |
Retained earnings to average equity (ytd only) | 8.8552% | 1,174 |
Net charge-offs to loans | 0.4338% | 1,492 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 2.9667% | 3,541 |
Efficiency ratio | 79.6958% | 2,200 |
Assets per employee ($millions) | 4.0574% | 3,673 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7812% | 2,496 |
Loan loss allowance to noncurrent loans | 96.8872% | 3,537 |
Noncurrent assets plus other real estate owned to assets | 1.9311% | 2,247 |
Noncurrent loans to loans | 1.8384% | 2,583 |
Net loans and leases to total assets | 59.7202% | 3,710 |
Net loans and leases to deposits | 73.5243% | 3,223 |
Net loans and leases to core deposits | 75.0843% | 3,663 |
Total domestic deposits to total assets | 81.2251% | 5,285 |
Equity capital to assets | 8.7379% | 5,503 |
Core capital (leverage) ratio | 9.1039% | 4,821 |
Tier 1 risk-based capital ratio | 16.2408% | 3,075 |
Total risk-based capital ratio | 17.4989% | 3,014 |
Memoranda: | ||
Average total assets | $68,733,330 | 5,614 |
Average earning assets | $64,012,330 | 5,556 |
Average equity | $6,030,330 | 5,926 |
Average total loans | $41,493,330 | 5,355 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9797% | 4,199 |
Cost of funding earning assets | 0.5185% | 3,896 |
Net interest margin | 3.4611% | 3,854 |
Noninterest income to average assets | 0.3498% | 4,881 |
Noninterest expense to average assets | 3.0840% | 2,724 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.4955% | 4,690 |
Return on assets (ROA) | 0.4955% | 4,843 |
Pretax return on assets | 0.4955% | 5,275 |
Return on Equity (ROE) | 5.6366% | 4,235 |
Retained earnings to average equity (ytd only) | 5.6366% | 2,871 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.1564% | 1,496 |
Assets per employee ($millions) | 3.9325% | 4,100 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0510% | 1,917 |
Loan loss allowance to noncurrent loans | 137.4384% | 2,561 |
Noncurrent assets plus other real estate owned to assets | 1.7382% | 2,683 |
Noncurrent loans to loans | 1.4923% | 3,316 |
Net loans and leases to total assets | 59.7918% | 3,468 |
Net loans and leases to deposits | 73.3660% | 3,003 |
Net loans and leases to core deposits | 74.9648% | 3,472 |
Total domestic deposits to total assets | 81.4979% | 5,362 |
Equity capital to assets | 9.0813% | 5,385 |
Core capital (leverage) ratio | 8.8831% | 5,080 |
Tier 1 risk-based capital ratio | 16.5516% | 2,973 |
Total risk-based capital ratio | 17.8149% | 2,926 |
Memoranda: | ||
Average total assets | $68,612,500 | 5,670 |
Average earning assets | $64,025,500 | 5,615 |
Average equity | $6,032,000 | 5,974 |
Average total loans | $41,270,500 | 5,403 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3350% | 4,070 |
Cost of funding earning assets | 0.6368% | 4,033 |
Net interest margin | 3.6982% | 3,652 |
Noninterest income to average assets | 0.4753% | 4,061 |
Noninterest expense to average assets | 3.0053% | 3,249 |
Loan and lease loss provision to assets | 0.2154% | 2,979 |
Net operating income to assets | 0.7151% | 3,667 |
Return on assets (ROA) | 0.7165% | 3,915 |
Pretax return on assets | 0.7165% | 4,610 |
Return on Equity (ROE) | 7.7976% | 3,186 |
Retained earnings to average equity (ytd only) | -9.7822% | 6,627 |
Net charge-offs to loans | 1.1001% | 957 |
Credit loss provision to net charge-offs | 31.8471% | 5,090 |
Earnings coverage of net charge-offs (x) | 1.3758% | 4,765 |
Efficiency ratio | 76.3590% | 2,687 |
Assets per employee ($millions) | 3.9096% | 4,130 |
Cash dividends to net income (ytd only)* | 225.4509% | 99 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0057% | 2,002 |
Loan loss allowance to noncurrent loans | 109.8425% | 3,101 |
Noncurrent assets plus other real estate owned to assets | 1.4750% | 3,171 |
Noncurrent loans to loans | 1.8259% | 2,879 |
Net loans and leases to total assets | 58.1118% | 3,962 |
Net loans and leases to deposits | 69.5777% | 3,762 |
Net loans and leases to core deposits | 70.9798% | 4,170 |
Total domestic deposits to total assets | 83.5207% | 4,529 |
Equity capital to assets | 8.5161% | 6,038 |
Core capital (leverage) ratio | 8.5240% | 5,578 |
Tier 1 risk-based capital ratio | 16.1740% | 3,064 |
Total risk-based capital ratio | 17.4369% | 3,012 |
Memoranda: | ||
Average total assets | $69,644,600 | 5,635 |
Average earning assets | $65,167,600 | 5,581 |
Average equity | $6,399,400 | 5,917 |
Average total loans | $42,814,400 | 5,391 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3933% | 4,080 |
Cost of funding earning assets | 0.6674% | 4,040 |
Net interest margin | 3.7259% | 3,673 |
Noninterest income to average assets | 0.4645% | 4,182 |
Noninterest expense to average assets | 3.0673% | 2,988 |
Loan and lease loss provision to assets | 0.2879% | 2,270 |
Net operating income to assets | 0.6027% | 4,381 |
Return on assets (ROA) | 0.6027% | 4,646 |
Pretax return on assets | 0.6027% | 5,158 |
Return on Equity (ROE) | 6.4399% | 4,102 |
Retained earnings to average equity (ytd only) | -6.3784% | 6,688 |
Net charge-offs to loans | 0.8077% | 1,355 |
Credit loss provision to net charge-offs | 57.4713% | 4,220 |
Earnings coverage of net charge-offs (x) | 1.7778% | 4,379 |
Efficiency ratio | 77.4976% | 2,457 |
Assets per employee ($millions) | 4.0707% | 3,735 |
Cash dividends to net income (ytd only)* | 199.0422% | 56 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4697% | 1,245 |
Loan loss allowance to noncurrent loans | 96.6759% | 3,331 |
Noncurrent assets plus other real estate owned to assets | 1.9638% | 2,696 |
Noncurrent loans to loans | 2.5547% | 2,237 |
Net loans and leases to total assets | 59.7468% | 3,827 |
Net loans and leases to deposits | 71.9850% | 3,613 |
Net loans and leases to core deposits | 73.4766% | 4,052 |
Total domestic deposits to total assets | 82.9990% | 4,639 |
Equity capital to assets | 9.1211% | 5,682 |
Core capital (leverage) ratio | 9.1464% | 4,836 |
Tier 1 risk-based capital ratio | 16.9566% | 2,754 |
Total risk-based capital ratio | 18.2464% | 2,691 |
Memoranda: | ||
Average total assets | $69,462,500 | 5,707 |
Average earning assets | $65,127,500 | 5,638 |
Average equity | $6,501,000 | 5,961 |
Average total loans | $43,085,000 | 5,431 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3119% | 4,519 |
Cost of funding earning assets | 0.6890% | 4,102 |
Net interest margin | 3.6229% | 4,173 |
Noninterest income to average assets | 0.4889% | 3,997 |
Noninterest expense to average assets | 2.9475% | 3,449 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.9432% | 2,694 |
Return on assets (ROA) | 0.9432% | 2,952 |
Pretax return on assets | 0.9432% | 3,905 |
Return on Equity (ROE) | 9.9939% | 2,354 |
Retained earnings to average equity (ytd only) | -0.6703% | 6,158 |
Net charge-offs to loans | 1.2005% | 903 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 1.2615% | 4,378 |
Efficiency ratio | 75.7576% | 2,775 |
Assets per employee ($millions) | 3.4131% | 5,189 |
Cash dividends to net income (ytd only)* | 106.7073% | 366 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1092% | 1,974 |
Loan loss allowance to noncurrent loans | 66.1754% | 4,356 |
Noncurrent assets plus other real estate owned to assets | 1.9879% | 2,792 |
Noncurrent loans to loans | 3.1872% | 1,825 |
Net loans and leases to total assets | 61.0559% | 3,614 |
Net loans and leases to deposits | 74.4888% | 3,212 |
Net loans and leases to core deposits | 77.1315% | 3,638 |
Total domestic deposits to total assets | 81.9665% | 5,147 |
Equity capital to assets | 9.6613% | 4,807 |
Core capital (leverage) ratio | 9.5299% | 4,105 |
Tier 1 risk-based capital ratio | 17.3952% | 2,512 |
Total risk-based capital ratio | 18.6604% | 2,472 |
Memoranda: | ||
Average total assets | $69,549,330 | 5,742 |
Average earning assets | $65,307,670 | 5,667 |
Average equity | $6,564,000 | 5,964 |
Average total loans | $43,315,670 | 5,460 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4106% | 4,288 |
Cost of funding earning assets | 0.7280% | 4,045 |
Net interest margin | 3.6826% | 3,911 |
Noninterest income to average assets | 0.5927% | 3,284 |
Noninterest expense to average assets | 2.9405% | 3,473 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.1112% | 2,029 |
Return on assets (ROA) | 1.1112% | 2,211 |
Pretax return on assets | 1.1112% | 3,279 |
Return on Equity (ROE) | 11.9111% | 1,696 |
Retained earnings to average equity (ytd only) | -4.8866% | 6,574 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.5738% | 3,329 |
Assets per employee ($millions) | 3.4560% | 5,221 |
Cash dividends to net income (ytd only)* | 141.0256% | 337 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6642% | 1,161 |
Loan loss allowance to noncurrent loans | 67.9577% | 4,128 |
Noncurrent assets plus other real estate owned to assets | 2.4653% | 2,399 |
Noncurrent loans to loans | 3.9203% | 1,569 |
Net loans and leases to total assets | 61.2095% | 3,410 |
Net loans and leases to deposits | 74.9942% | 2,975 |
Net loans and leases to core deposits | 77.2551% | 3,430 |
Total domestic deposits to total assets | 81.6189% | 5,420 |
Equity capital to assets | 9.4170% | 4,929 |
Core capital (leverage) ratio | 9.3339% | 4,309 |
Tier 1 risk-based capital ratio | 17.0049% | 2,680 |
Total risk-based capital ratio | 18.2763% | 2,633 |
Memoranda: | ||
Average total assets | $70,193,000 | 5,764 |
Average earning assets | $65,932,000 | 5,689 |
Average equity | $6,548,500 | 6,007 |
Average total loans | $43,685,500 | 5,482 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9355% | 3,180 |
Cost of funding earning assets | 0.8218% | 4,695 |
Net interest margin | 4.1137% | 2,374 |
Noninterest income to average assets | 0.4121% | 4,517 |
Noninterest expense to average assets | 3.0672% | 3,325 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.2170% | 1,472 |
Return on assets (ROA) | 1.2200% | 1,568 |
Pretax return on assets | 1.2200% | 2,390 |
Return on Equity (ROE) | 12.8233% | 1,201 |
Retained earnings to average equity (ytd only) | 8.9465% | 819 |
Net charge-offs to loans | 0.5510% | 2,810 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 3.3130% | 3,559 |
Efficiency ratio | 71.5929% | 3,664 |
Assets per employee ($millions) | 3.9592% | 3,954 |
Cash dividends to net income (ytd only)* | 30.2326% | 3,106 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6375% | 1,147 |
Loan loss allowance to noncurrent loans | 166.3793% | 1,935 |
Noncurrent assets plus other real estate owned to assets | 0.9766% | 4,657 |
Noncurrent loans to loans | 1.5852% | 3,785 |
Net loans and leases to total assets | 59.9823% | 3,995 |
Net loans and leases to deposits | 72.8638% | 3,684 |
Net loans and leases to core deposits | 74.9724% | 4,106 |
Total domestic deposits to total assets | 82.3212% | 5,021 |
Equity capital to assets | 9.2442% | 5,220 |
Core capital (leverage) ratio | 9.4880% | 4,045 |
Tier 1 risk-based capital ratio | 17.1045% | 2,551 |
Total risk-based capital ratio | 18.3755% | 2,506 |
Memoranda: | ||
Average total assets | $66,967,000 | 5,843 |
Average earning assets | $63,033,200 | 5,766 |
Average equity | $6,371,200 | 6,048 |
Average total loans | $44,646,600 | 5,484 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0877% | 2,667 |
Cost of funding earning assets | 0.8419% | 4,833 |
Net interest margin | 4.2459% | 1,926 |
Noninterest income to average assets | 0.4249% | 4,478 |
Noninterest expense to average assets | 3.1040% | 3,146 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.3213% | 1,321 |
Return on assets (ROA) | 1.3274% | 1,399 |
Pretax return on assets | 1.3274% | 2,192 |
Return on Equity (ROE) | 13.8458% | 1,070 |
Retained earnings to average equity (ytd only) | 11.9463% | 503 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1417% | 3,940 |
Assets per employee ($millions) | 3.3406% | 5,389 |
Cash dividends to net income (ytd only)* | 13.7199% | 3,169 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1582% | 759 |
Loan loss allowance to noncurrent loans | 152.9412% | 1,996 |
Noncurrent assets plus other real estate owned to assets | 1.3740% | 4,070 |
Noncurrent loans to loans | 2.0650% | 3,283 |
Net loans and leases to total assets | 64.4375% | 3,222 |
Net loans and leases to deposits | 78.5692% | 2,875 |
Net loans and leases to core deposits | 81.0086% | 3,487 |
Total domestic deposits to total assets | 82.0137% | 5,084 |
Equity capital to assets | 9.8994% | 4,478 |
Core capital (leverage) ratio | 9.9905% | 3,459 |
Tier 1 risk-based capital ratio | 16.9843% | 2,648 |
Total risk-based capital ratio | 18.2627% | 2,600 |
Memoranda: | ||
Average total assets | $65,892,250 | 5,912 |
Average earning assets | $62,082,500 | 5,839 |
Average equity | $6,317,000 | 6,109 |
Average total loans | $44,832,000 | 5,523 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0533% | 2,908 |
Cost of funding earning assets | 0.8755% | 4,862 |
Net interest margin | 4.1778% | 2,129 |
Noninterest income to average assets | 0.4361% | 4,375 |
Noninterest expense to average assets | 3.0647% | 3,379 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.3296% | 1,246 |
Return on assets (ROA) | 1.3296% | 1,325 |
Pretax return on assets | 1.3296% | 2,044 |
Return on Equity (ROE) | 14.0238% | 975 |
Retained earnings to average equity (ytd only) | 14.0238% | 314 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.7432% | 4,163 |
Assets per employee ($millions) | 3.4415% | 5,100 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1167% | 811 |
Loan loss allowance to noncurrent loans | 113.9610% | 2,543 |
Noncurrent assets plus other real estate owned to assets | 1.9070% | 3,363 |
Noncurrent loans to loans | 2.7349% | 2,661 |
Net loans and leases to total assets | 66.7436% | 2,872 |
Net loans and leases to deposits | 80.9974% | 2,620 |
Net loans and leases to core deposits | 83.5705% | 3,276 |
Total domestic deposits to total assets | 82.4022% | 5,021 |
Equity capital to assets | 9.9787% | 4,179 |
Core capital (leverage) ratio | 9.9193% | 3,364 |
Tier 1 risk-based capital ratio | 16.4691% | 2,759 |
Total risk-based capital ratio | 17.7487% | 2,704 |
Memoranda: | ||
Average total assets | $65,585,670 | 5,969 |
Average earning assets | $62,137,330 | 5,885 |
Average equity | $6,218,000 | 6,167 |
Average total loans | $44,957,330 | 5,561 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0199% | 3,011 |
Cost of funding earning assets | 0.9436% | 4,623 |
Net interest margin | 4.0762% | 2,358 |
Noninterest income to average assets | 0.4506% | 4,280 |
Noninterest expense to average assets | 3.1362% | 3,120 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.1814% | 1,565 |
Return on assets (ROA) | 1.1814% | 1,617 |
Pretax return on assets | 1.1814% | 2,446 |
Return on Equity (ROE) | 12.7958% | 1,248 |
Retained earnings to average equity (ytd only) | 12.7958% | 621 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.6375% | 3,743 |
Assets per employee ($millions) | 3.6204% | 4,716 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1669% | 790 |
Loan loss allowance to noncurrent loans | 148.7288% | 1,992 |
Noncurrent assets plus other real estate owned to assets | 1.4716% | 4,046 |
Noncurrent loans to loans | 2.1293% | 3,407 |
Net loans and leases to total assets | 65.8769% | 3,046 |
Net loans and leases to deposits | 79.1176% | 2,867 |
Net loans and leases to core deposits | 81.6268% | 3,511 |
Total domestic deposits to total assets | 83.2645% | 4,806 |
Equity capital to assets | 9.4572% | 4,493 |
Core capital (leverage) ratio | 9.4661% | 3,869 |
Tier 1 risk-based capital ratio | 15.6109% | 3,093 |
Total risk-based capital ratio | 16.8888% | 3,040 |
Memoranda: | ||
Average total assets | $65,684,000 | 6,004 |
Average earning assets | $62,312,500 | 5,924 |
Average equity | $6,064,500 | 6,223 |
Average total loans | $44,912,500 | 5,617 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6731% | 1,671 |
Cost of funding earning assets | 1.2837% | 3,990 |
Net interest margin | 4.3894% | 1,513 |
Noninterest income to average assets | 0.7308% | 2,644 |
Noninterest expense to average assets | 3.3440% | 2,598 |
Loan and lease loss provision to assets | 0.6832% | 2,410 |
Net operating income to assets | 0.6464% | 3,459 |
Return on assets (ROA) | 0.6541% | 3,567 |
Pretax return on assets | 0.6541% | 4,147 |
Return on Equity (ROE) | 7.0607% | 3,085 |
Retained earnings to average equity (ytd only) | 3.9116% | 3,120 |
Net charge-offs to loans | -0.2825% | 7,567 |
Credit loss provision to net charge-offs | -339.6947% | 7,093 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.5506% | 3,880 |
Assets per employee ($millions) | 3.1524% | 5,770 |
Cash dividends to net income (ytd only)* | 44.6009% | 2,368 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0863% | 811 |
Loan loss allowance to noncurrent loans | 143.7052% | 2,070 |
Noncurrent assets plus other real estate owned to assets | 1.4985% | 4,070 |
Noncurrent loans to loans | 2.1477% | 3,370 |
Net loans and leases to total assets | 66.5957% | 3,332 |
Net loans and leases to deposits | 79.4103% | 3,273 |
Net loans and leases to core deposits | 81.8670% | 3,922 |
Total domestic deposits to total assets | 83.8628% | 4,413 |
Equity capital to assets | 9.0119% | 5,126 |
Core capital (leverage) ratio | 8.8416% | 4,785 |
Tier 1 risk-based capital ratio | 14.5508% | 3,510 |
Total risk-based capital ratio | 15.8280% | 3,455 |
Memoranda: | ||
Average total assets | $65,131,600 | 6,027 |
Average earning assets | $58,504,200 | 6,045 |
Average equity | $6,033,400 | 6,352 |
Average total loans | $46,373,600 | 5,624 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8113% | 1,360 |
Cost of funding earning assets | 1.3339% | 4,021 |
Net interest margin | 4.4773% | 1,310 |
Noninterest income to average assets | 0.7626% | 2,433 |
Noninterest expense to average assets | 3.4122% | 2,256 |
Loan and lease loss provision to assets | 0.6989% | 2,194 |
Net operating income to assets | 0.6187% | 3,799 |
Return on assets (ROA) | 0.6290% | 3,922 |
Pretax return on assets | 0.6290% | 4,490 |
Return on Equity (ROE) | 6.7434% | 3,462 |
Retained earnings to average equity (ytd only) | 5.8619% | 2,434 |
Net charge-offs to loans | -0.3749% | 7,665 |
Credit loss provision to net charge-offs | -259.5420% | 6,965 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.1425% | 3,667 |
Assets per employee ($millions) | 2.9429% | 6,279 |
Cash dividends to net income (ytd only)* | 13.0714% | 3,217 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8439% | 970 |
Loan loss allowance to noncurrent loans | 86.0265% | 3,180 |
Noncurrent assets plus other real estate owned to assets | 2.4111% | 2,964 |
Noncurrent loans to loans | 3.3059% | 2,395 |
Net loans and leases to total assets | 65.5621% | 3,785 |
Net loans and leases to deposits | 78.2525% | 3,783 |
Net loans and leases to core deposits | 80.2869% | 4,475 |
Total domestic deposits to total assets | 83.7827% | 4,242 |
Equity capital to assets | 9.0786% | 5,477 |
Core capital (leverage) ratio | 9.2524% | 4,272 |
Tier 1 risk-based capital ratio | 14.3401% | 3,602 |
Total risk-based capital ratio | 15.5902% | 3,563 |
Memoranda: | ||
Average total assets | $64,864,250 | 6,104 |
Average earning assets | $57,473,250 | 6,144 |
Average equity | $6,050,250 | 6,432 |
Average total loans | $46,594,250 | 5,695 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0430% | 853 |
Cost of funding earning assets | 1.3760% | 4,024 |
Net interest margin | 4.6670% | 872 |
Noninterest income to average assets | 0.7978% | 2,128 |
Noninterest expense to average assets | 3.5981% | 1,788 |
Loan and lease loss provision to assets | 0.1877% | 4,993 |
Net operating income to assets | 1.1295% | 1,761 |
Return on assets (ROA) | 1.1451% | 1,776 |
Pretax return on assets | 1.1451% | 2,606 |
Return on Equity (ROE) | 12.1622% | 1,414 |
Retained earnings to average equity (ytd only) | 10.8330% | 683 |
Net charge-offs to loans | -0.5586% | 7,738 |
Credit loss provision to net charge-offs | -45.8015% | 6,626 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2018% | 3,623 |
Assets per employee ($millions) | 2.8550% | 6,443 |
Cash dividends to net income (ytd only)* | 10.9290% | 3,142 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2022% | 1,747 |
Loan loss allowance to noncurrent loans | 201.3834% | 1,404 |
Noncurrent assets plus other real estate owned to assets | 1.0651% | 5,007 |
Noncurrent loans to loans | 1.0935% | 5,133 |
Net loans and leases to total assets | 72.0486% | 2,385 |
Net loans and leases to deposits | 84.8372% | 2,733 |
Net loans and leases to core deposits | 86.6418% | 3,744 |
Total domestic deposits to total assets | 84.9257% | 3,669 |
Equity capital to assets | 9.8999% | 4,140 |
Core capital (leverage) ratio | 9.7054% | 3,529 |
Tier 1 risk-based capital ratio | 13.7711% | 3,896 |
Total risk-based capital ratio | 15.0206% | 3,861 |
Memoranda: | ||
Average total assets | $63,923,330 | 6,182 |
Average earning assets | $56,395,670 | 6,227 |
Average equity | $6,018,670 | 6,461 |
Average total loans | $46,900,330 | 5,722 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1760% | 676 |
Cost of funding earning assets | 1.4394% | 3,938 |
Net interest margin | 4.7366% | 720 |
Noninterest income to average assets | 0.4901% | 4,123 |
Noninterest expense to average assets | 3.6538% | 1,607 |
Loan and lease loss provision to assets | 0.1861% | 4,648 |
Net operating income to assets | 0.7940% | 2,993 |
Return on assets (ROA) | 0.7940% | 3,104 |
Pretax return on assets | 0.7940% | 3,893 |
Return on Equity (ROE) | 8.6501% | 2,606 |
Retained earnings to average equity (ytd only) | 5.9470% | 2,642 |
Net charge-offs to loans | -1.6520% | 7,863 |
Credit loss provision to net charge-offs | -15.3846% | 5,964 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8487% | 2,752 |
Assets per employee ($millions) | 2.8703% | 6,497 |
Cash dividends to net income (ytd only)* | 31.2500% | 1,987 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2471% | 1,665 |
Loan loss allowance to noncurrent loans | 154.3988% | 1,810 |
Noncurrent assets plus other real estate owned to assets | 2.4815% | 2,922 |
Noncurrent loans to loans | 1.4554% | 4,564 |
Net loans and leases to total assets | 72.5418% | 2,317 |
Net loans and leases to deposits | 87.3099% | 2,353 |
Net loans and leases to core deposits | 88.6790% | 3,538 |
Total domestic deposits to total assets | 83.0855% | 4,579 |
Equity capital to assets | 9.4209% | 4,655 |
Core capital (leverage) ratio | 9.3641% | 3,958 |
Tier 1 risk-based capital ratio | 12.7129% | 4,546 |
Total risk-based capital ratio | 13.9626% | 4,514 |
Memoranda: | ||
Average total assets | $64,480,500 | 6,226 |
Average earning assets | $56,412,000 | 6,305 |
Average equity | $5,919,000 | 6,548 |
Average total loans | $47,214,500 | 5,792 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1552% | 1,362 |
Cost of funding earning assets | 1.7405% | 4,301 |
Net interest margin | 4.4146% | 1,394 |
Noninterest income to average assets | 0.5922% | 3,684 |
Noninterest expense to average assets | 5.0484% | 501 |
Loan and lease loss provision to assets | 0.0304% | 7,222 |
Net operating income to assets | -0.5054% | 6,185 |
Return on assets (ROA) | -0.4720% | 6,144 |
Pretax return on assets | -0.4720% | 5,988 |
Return on Equity (ROE) | -4.7593% | 6,191 |
Retained earnings to average equity (ytd only) | -10.7467% | 6,572 |
Net charge-offs to loans | -0.2549% | 7,921 |
Credit loss provision to net charge-offs | -15.6250% | 7,357 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 110.3862% | 789 |
Assets per employee ($millions) | 2.8615% | 6,538 |
Cash dividends to net income (ytd only)* | -125.8065% | 7,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7407% | 2,745 |
Loan loss allowance to noncurrent loans | 72.5044% | 3,782 |
Noncurrent assets plus other real estate owned to assets | 3.0085% | 2,328 |
Noncurrent loans to loans | 2.4008% | 3,161 |
Net loans and leases to total assets | 71.0183% | 2,996 |
Net loans and leases to deposits | 84.6325% | 3,153 |
Net loans and leases to core deposits | 96.3473% | 4,421 |
Total domestic deposits to total assets | 83.9138% | 4,062 |
Equity capital to assets | 8.9479% | 5,221 |
Core capital (leverage) ratio | 8.8084% | 4,760 |
Tier 1 risk-based capital ratio | 11.8213% | 5,092 |
Total risk-based capital ratio | 13.0723% | 5,059 |
Memoranda: | ||
Average total assets | $65,684,400 | 6,149 |
Average earning assets | $59,234,800 | 6,153 |
Average equity | $6,513,600 | 6,420 |
Average total loans | $50,210,400 | 5,662 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2907% | 1,154 |
Cost of funding earning assets | 1.8056% | 4,361 |
Net interest margin | 4.4850% | 1,229 |
Noninterest income to average assets | 0.6316% | 3,482 |
Noninterest expense to average assets | 3.8241% | 1,553 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.8834% | 2,482 |
Return on assets (ROA) | 0.9281% | 2,381 |
Pretax return on assets | 0.9281% | 3,135 |
Return on Equity (ROE) | 9.1356% | 2,217 |
Retained earnings to average equity (ytd only) | 2.7386% | 3,803 |
Net charge-offs to loans | -0.2333% | 7,980 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.2338% | 2,686 |
Assets per employee ($millions) | 2.8194% | 6,617 |
Cash dividends to net income (ytd only)* | 70.0223% | 1,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5370% | 3,250 |
Loan loss allowance to noncurrent loans | 60.7425% | 4,322 |
Noncurrent assets plus other real estate owned to assets | 2.6323% | 2,645 |
Noncurrent loans to loans | 2.5303% | 2,980 |
Net loans and leases to total assets | 75.9711% | 1,998 |
Net loans and leases to deposits | 90.3216% | 2,514 |
Net loans and leases to core deposits | 103.2117% | 4,039 |
Total domestic deposits to total assets | 84.1118% | 3,670 |
Equity capital to assets | 10.3875% | 3,633 |
Core capital (leverage) ratio | 10.0863% | 3,193 |
Tier 1 risk-based capital ratio | 13.1749% | 4,070 |
Total risk-based capital ratio | 14.4249% | 4,006 |
Memoranda: | ||
Average total assets | $65,652,000 | 6,187 |
Average earning assets | $59,663,750 | 6,181 |
Average equity | $6,669,750 | 6,425 |
Average total loans | $50,871,000 | 5,676 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3387% | 1,116 |
Cost of funding earning assets | 1.8883% | 4,326 |
Net interest margin | 4.4504% | 1,292 |
Noninterest income to average assets | 0.6462% | 3,372 |
Noninterest expense to average assets | 3.8107% | 1,640 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.8829% | 2,521 |
Return on assets (ROA) | 0.9496% | 2,376 |
Pretax return on assets | 0.9496% | 3,176 |
Return on Equity (ROE) | 9.4168% | 2,217 |
Retained earnings to average equity (ytd only) | 3.0988% | 3,591 |
Net charge-offs to loans | -0.3402% | 8,079 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.1894% | 2,856 |
Assets per employee ($millions) | 2.8938% | 6,408 |
Cash dividends to net income (ytd only)* | 67.0927% | 1,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5038% | 3,171 |
Loan loss allowance to noncurrent loans | 71.6822% | 3,854 |
Noncurrent assets plus other real estate owned to assets | 1.6076% | 3,805 |
Noncurrent loans to loans | 2.0978% | 3,383 |
Net loans and leases to total assets | 75.4800% | 2,321 |
Net loans and leases to deposits | 89.2803% | 2,938 |
Net loans and leases to core deposits | 103.2302% | 4,155 |
Total domestic deposits to total assets | 84.5428% | 3,477 |
Equity capital to assets | 10.0319% | 3,897 |
Core capital (leverage) ratio | 9.9831% | 3,316 |
Tier 1 risk-based capital ratio | 12.8125% | 4,281 |
Total risk-based capital ratio | 14.0596% | 4,197 |
Memoranda: | ||
Average total assets | $65,920,330 | 6,228 |
Average earning assets | $59,949,000 | 6,226 |
Average equity | $6,647,670 | 6,479 |
Average total loans | $51,150,000 | 5,713 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5840% | 734 |
Cost of funding earning assets | 1.9585% | 4,336 |
Net interest margin | 4.6255% | 900 |
Noninterest income to average assets | 0.6951% | 2,919 |
Noninterest expense to average assets | 3.7011% | 1,655 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.2134% | 1,618 |
Return on assets (ROA) | 1.2134% | 1,726 |
Pretax return on assets | 1.2134% | 2,577 |
Return on Equity (ROE) | 12.0006% | 1,659 |
Retained earnings to average equity (ytd only) | 1.4473% | 5,043 |
Net charge-offs to loans | -0.3905% | 8,092 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.3102% | 3,602 |
Assets per employee ($millions) | 2.5793% | 7,133 |
Cash dividends to net income (ytd only)* | 87.9397% | 912 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4190% | 3,398 |
Loan loss allowance to noncurrent loans | 161.5044% | 2,008 |
Noncurrent assets plus other real estate owned to assets | 0.6740% | 5,479 |
Noncurrent loans to loans | 0.8786% | 5,256 |
Net loans and leases to total assets | 75.6267% | 2,357 |
Net loans and leases to deposits | 88.6148% | 3,174 |
Net loans and leases to core deposits | 102.8889% | 4,252 |
Total domestic deposits to total assets | 85.3432% | 3,038 |
Equity capital to assets | 9.9149% | 4,099 |
Core capital (leverage) ratio | 10.1340% | 3,257 |
Tier 1 risk-based capital ratio | 12.3986% | 4,618 |
Total risk-based capital ratio | 13.6466% | 4,542 |
Memoranda: | ||
Average total assets | $65,601,500 | 6,269 |
Average earning assets | $59,842,000 | 6,265 |
Average equity | $6,633,000 | 6,534 |
Average total loans | $51,222,500 | 5,747 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.8349% | 235 |
Cost of funding earning assets | 2.1567% | 5,797 |
Net interest margin | 5.6782% | 154 |
Noninterest income to average assets | 0.5896% | 3,924 |
Noninterest expense to average assets | 3.7513% | 1,853 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 2.1150% | 282 |
Return on assets (ROA) | 2.1089% | 272 |
Pretax return on assets | 2.1089% | 478 |
Return on Equity (ROE) | 21.0776% | 299 |
Retained earnings to average equity (ytd only) | 8.3849% | 736 |
Net charge-offs to loans | -0.2189% | 8,176 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9465% | 5,573 |
Assets per employee ($millions) | 2.3756% | 7,442 |
Cash dividends to net income (ytd only)* | 60.2190% | 2,656 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3334% | 3,573 |
Loan loss allowance to noncurrent loans | 148.7965% | 2,480 |
Noncurrent assets plus other real estate owned to assets | 0.7125% | 5,087 |
Noncurrent loans to loans | 0.8961% | 4,833 |
Net loans and leases to total assets | 78.4494% | 2,010 |
Net loans and leases to deposits | 91.6691% | 3,193 |
Net loans and leases to core deposits | 105.0567% | 4,291 |
Total domestic deposits to total assets | 85.5789% | 2,594 |
Equity capital to assets | 10.3162% | 3,696 |
Core capital (leverage) ratio | 10.0840% | 3,369 |
Tier 1 risk-based capital ratio | 12.6296% | 4,342 |
Total risk-based capital ratio | 13.8804% | 4,255 |
Memoranda: | ||
Average total assets | $64,963,600 | 6,193 |
Average earning assets | $60,370,800 | 6,156 |
Average equity | $6,499,800 | 6,641 |
Average total loans | $50,711,000 | 5,675 |