Home > First Colony Bank of Florida > Performance and Condition Ratios
First Colony Bank of Florida, Performance and Condition Ratios
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1724% | 2,722 |
Cost of funding earning assets | 1.9799% | 2,262 |
Net interest margin | 3.1925% | 2,706 |
Noninterest income to average assets | 0.1200% | 4,140 |
Noninterest expense to average assets | 1.6681% | 4,113 |
Loan and lease loss provision to assets | 0.0000% | 3,009 |
Net operating income to assets | 1.5784% | 838 |
Return on assets (ROA) | 1.5784% | 835 |
Pretax return on assets | 1.5784% | 1,191 |
Return on Equity (ROE) | 20.0100% | 428 |
Retained earnings to average equity (ytd only) | 2.8101% | 3,237 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 51.3806% | 3,905 |
Assets per employee ($millions) | 16.6602% | 164 |
Cash dividends to net income (ytd only)* | 85.9534% | 408 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5475% | 942 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
Noncurrent loans to loans | 0.0000% | 3,830 |
Net loans and leases to total assets | 61.6000% | 2,780 |
Net loans and leases to deposits | 67.2827% | 3,161 |
Net loans and leases to core deposits | 70.1321% | 3,385 |
Total domestic deposits to total assets | 91.5600% | 254 |
Equity capital to assets | 7.8697% | 3,787 |
Core capital (leverage) ratio | 8.6634% | 3,989 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1586% | 2,191 |
Memoranda: | ||
Average total assets | $307,891,500 | 2,420 |
Average earning assets | $301,698,750 | 2,329 |
Average equity | $24,293,000 | 2,668 |
Average total loans | $187,825,000 | 2,453 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1357% | 2,687 |
Cost of funding earning assets | 1.9451% | 2,252 |
Net interest margin | 3.1906% | 2,651 |
Noninterest income to average assets | 0.1100% | 4,190 |
Noninterest expense to average assets | 1.6990% | 4,091 |
Loan and lease loss provision to assets | 0.0000% | 2,867 |
Net operating income to assets | 1.5416% | 853 |
Return on assets (ROA) | 1.5416% | 862 |
Pretax return on assets | 1.5416% | 1,205 |
Return on Equity (ROE) | 19.5200% | 478 |
Retained earnings to average equity (ytd only) | 2.1339% | 3,304 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 52.4282% | 3,867 |
Assets per employee ($millions) | 16.3204% | 160 |
Cash dividends to net income (ytd only)* | 89.0685% | 510 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6033% | 852 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 60.6600% | 2,893 |
Net loans and leases to deposits | 66.1780% | 3,243 |
Net loans and leases to core deposits | 70.3184% | 3,360 |
Total domestic deposits to total assets | 91.6600% | 325 |
Equity capital to assets | 7.7798% | 3,573 |
Core capital (leverage) ratio | 8.4775% | 4,114 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3571% | 2,121 |
Memoranda: | ||
Average total assets | $305,007,333 | 2,428 |
Average earning assets | $299,004,333 | 2,331 |
Average equity | $24,087,000 | 2,645 |
Average total loans | $184,413,667 | 2,468 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9387% | 2,910 |
Cost of funding earning assets | 1.8030% | 2,496 |
Net interest margin | 3.1357% | 2,703 |
Noninterest income to average assets | 0.1000% | 4,220 |
Noninterest expense to average assets | 1.7139% | 4,081 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 1.4613% | 960 |
Return on assets (ROA) | 1.4613% | 967 |
Pretax return on assets | 1.4613% | 1,326 |
Return on Equity (ROE) | 18.3600% | 574 |
Retained earnings to average equity (ytd only) | -0.6814% | 3,819 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 53.9775% | 3,767 |
Assets per employee ($millions) | 16.9531% | 150 |
Cash dividends to net income (ytd only)* | 103.7104% | 492 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7160% | 645 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
Noncurrent loans to loans | 0.0000% | 3,844 |
Net loans and leases to total assets | 54.5000% | 3,303 |
Net loans and leases to deposits | 59.2307% | 3,562 |
Net loans and leases to core deposits | 64.7195% | 3,568 |
Total domestic deposits to total assets | 92.0100% | 330 |
Equity capital to assets | 7.4348% | 3,713 |
Core capital (leverage) ratio | 8.7325% | 3,934 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8651% | 1,926 |
Memoranda: | ||
Average total assets | $302,467,500 | 2,445 |
Average earning assets | $296,840,000 | 2,352 |
Average equity | $24,068,500 | 2,654 |
Average total loans | $181,036,500 | 2,488 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5989% | 2,896 |
Cost of funding earning assets | 1.1252% | 3,004 |
Net interest margin | 3.4737% | 2,248 |
Noninterest income to average assets | 0.1100% | 4,240 |
Noninterest expense to average assets | 1.7197% | 4,112 |
Loan and lease loss provision to assets | 0.0600% | 1,903 |
Net operating income to assets | 1.7237% | 698 |
Return on assets (ROA) | 1.7237% | 671 |
Pretax return on assets | 1.7237% | 1,013 |
Return on Equity (ROE) | 20.6400% | 560 |
Retained earnings to average equity (ytd only) | 1.1429% | 3,803 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 49.0268% | 4,037 |
Assets per employee ($millions) | 14.8856% | 220 |
Cash dividends to net income (ytd only)* | 94.4629% | 328 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6707% | 715 |
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 | 63.7800% | 2,482 |
Net loans and leases to deposits | 70.2114% | 2,882 |
Net loans and leases to core deposits | 76.8374% | 2,922 |
Total domestic deposits to total assets | 90.8400% | 548 |
Equity capital to assets | 8.5526% | 3,013 |
Core capital (leverage) ratio | 9.5639% | 3,197 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6746% | 1,992 |
Memoranda: | ||
Average total assets | $279,751,000 | 2,528 |
Average earning assets | $273,281,400 | 2,445 |
Average equity | $23,362,400 | 2,602 |
Average total loans | $172,697,200 | 2,504 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5278% | 2,848 |
Cost of funding earning assets | 1.0230% | 2,970 |
Net interest margin | 3.5048% | 2,199 |
Noninterest income to average assets | 0.1100% | 4,262 |
Noninterest expense to average assets | 1.7845% | 4,008 |
Loan and lease loss provision to assets | 0.0800% | 1,428 |
Net operating income to assets | 1.6679% | 839 |
Return on assets (ROA) | 1.6679% | 834 |
Pretax return on assets | 1.6679% | 1,224 |
Return on Equity (ROE) | 20.1000% | 713 |
Retained earnings to average equity (ytd only) | -0.4837% | 4,207 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 50.5688% | 3,871 |
Assets per employee ($millions) | 14.2319% | 233 |
Cash dividends to net income (ytd only)* | 102.4069% | 214 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8000% | 566 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 61.4300% | 2,712 |
Net loans and leases to deposits | 67.6075% | 3,007 |
Net loans and leases to core deposits | 75.1457% | 2,922 |
Total domestic deposits to total assets | 90.8700% | 705 |
Equity capital to assets | 8.3082% | 2,849 |
Core capital (leverage) ratio | 9.2660% | 3,520 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4478% | 1,730 |
Memoranda: | ||
Average total assets | $278,982,000 | 2,534 |
Average earning assets | $272,266,500 | 2,460 |
Average equity | $23,155,750 | 2,611 |
Average total loans | $170,007,250 | 2,530 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3758% | 2,944 |
Cost of funding earning assets | 0.8485% | 3,074 |
Net interest margin | 3.5273% | 2,206 |
Noninterest income to average assets | 0.1000% | 4,323 |
Noninterest expense to average assets | 1.7599% | 4,072 |
Loan and lease loss provision to assets | 0.0700% | 1,542 |
Net operating income to assets | 1.7045% | 772 |
Return on assets (ROA) | 1.7045% | 774 |
Pretax return on assets | 1.7045% | 1,206 |
Return on Equity (ROE) | 20.5400% | 655 |
Retained earnings to average equity (ytd only) | -1.7789% | 4,277 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 49.7792% | 3,948 |
Assets per employee ($millions) | 14.2689% | 221 |
Cash dividends to net income (ytd only)* | 108.6595% | 246 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7642% | 663 |
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 | 61.3100% | 2,639 |
Net loans and leases to deposits | 67.6134% | 2,939 |
Net loans and leases to core deposits | 73.2771% | 2,945 |
Total domestic deposits to total assets | 90.6700% | 737 |
Equity capital to assets | 8.5969% | 2,783 |
Core capital (leverage) ratio | 9.5233% | 3,222 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5475% | 1,712 |
Memoranda: | ||
Average total assets | $281,840,333 | 2,519 |
Average earning assets | $274,827,000 | 2,453 |
Average equity | $23,385,667 | 2,602 |
Average total loans | $170,287,000 | 2,521 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3600% | 2,650 |
Cost of funding earning assets | 0.6892% | 3,083 |
Net interest margin | 3.6707% | 1,969 |
Noninterest income to average assets | 0.0700% | 4,475 |
Noninterest expense to average assets | 1.6963% | 4,201 |
Loan and lease loss provision to assets | 0.0800% | 1,320 |
Net operating income to assets | 1.8677% | 597 |
Return on assets (ROA) | 1.8677% | 589 |
Pretax return on assets | 1.8677% | 955 |
Return on Equity (ROE) | 22.9000% | 514 |
Retained earnings to average equity (ytd only) | -1.4856% | 4,171 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 46.5063% | 4,187 |
Assets per employee ($millions) | 14.6567% | 223 |
Cash dividends to net income (ytd only)* | 106.4877% | 399 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7295% | 761 |
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 | 60.0900% | 2,641 |
Net loans and leases to deposits | 66.0996% | 2,927 |
Net loans and leases to core deposits | 70.0102% | 2,953 |
Total domestic deposits to total assets | 90.9100% | 827 |
Equity capital to assets | 8.4344% | 2,945 |
Core capital (leverage) ratio | 8.7675% | 3,930 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4705% | 1,801 |
Memoranda: | ||
Average total assets | $287,205,500 | 2,529 |
Average earning assets | $279,727,000 | 2,451 |
Average equity | $23,425,000 | 2,628 |
Average total loans | $170,833,000 | 2,538 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6897% | 2,555 |
Cost of funding earning assets | 0.2063% | 3,705 |
Net interest margin | 3.4833% | 1,981 |
Noninterest income to average assets | 0.1400% | 4,270 |
Noninterest expense to average assets | 1.6173% | 4,287 |
Loan and lease loss provision to assets | 0.0800% | 1,457 |
Net operating income to assets | 1.8551% | 384 |
Return on assets (ROA) | 1.8551% | 369 |
Pretax return on assets | 1.8551% | 642 |
Return on Equity (ROE) | 24.0300% | 242 |
Retained earnings to average equity (ytd only) | 4.2439% | 3,318 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 45.5365% | 4,370 |
Assets per employee ($millions) | 16.4407% | 155 |
Cash dividends to net income (ytd only)* | 82.3393% | 406 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6834% | 821 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 56.9400% | 2,922 |
Net loans and leases to deposits | 62.2093% | 3,182 |
Net loans and leases to core deposits | 64.6415% | 3,226 |
Total domestic deposits to total assets | 91.5300% | 777 |
Equity capital to assets | 7.8944% | 3,125 |
Core capital (leverage) ratio | 8.5090% | 4,120 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4204% | 1,810 |
Memoranda: | ||
Average total assets | $302,784,000 | 2,434 |
Average earning assets | $296,125,400 | 2,357 |
Average equity | $23,374,600 | 2,680 |
Average total loans | $176,561,600 | 2,402 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5125% | 2,581 |
Cost of funding earning assets | 0.1488% | 3,853 |
Net interest margin | 3.3637% | 2,091 |
Noninterest income to average assets | 0.1400% | 4,301 |
Noninterest expense to average assets | 1.6061% | 4,296 |
Loan and lease loss provision to assets | 0.0800% | 1,289 |
Net operating income to assets | 1.7397% | 485 |
Return on assets (ROA) | 1.7397% | 471 |
Pretax return on assets | 1.7397% | 825 |
Return on Equity (ROE) | 22.6600% | 265 |
Retained earnings to average equity (ytd only) | 3.7071% | 3,550 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 46.8994% | 4,333 |
Assets per employee ($millions) | 16.8776% | 152 |
Cash dividends to net income (ytd only)* | 83.6396% | 364 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6130% | 1,039 |
Loan loss allowance to noncurrent loans | 28,250.0000% | 61 |
Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,989 |
Noncurrent loans to loans | 0.0057% | 3,916 |
Net loans and leases to total assets | 56.7200% | 2,832 |
Net loans and leases to deposits | 61.6940% | 3,043 |
Net loans and leases to core deposits | 64.2071% | 3,094 |
Total domestic deposits to total assets | 91.9400% | 899 |
Equity capital to assets | 7.3444% | 3,305 |
Core capital (leverage) ratio | 8.3396% | 4,195 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0433% | 2,041 |
Memoranda: | ||
Average total assets | $304,496,750 | 2,442 |
Average earning assets | $297,445,500 | 2,371 |
Average equity | $23,377,750 | 2,719 |
Average total loans | $177,856,500 | 2,392 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3470% | 2,587 |
Cost of funding earning assets | 0.1239% | 3,918 |
Net interest margin | 3.2231% | 2,122 |
Noninterest income to average assets | 0.1188% | 4,403 |
Noninterest expense to average assets | 1.5883% | 4,317 |
Loan and lease loss provision to assets | 0.0788% | 1,233 |
Net operating income to assets | 1.5929% | 557 |
Return on assets (ROA) | 1.5929% | 545 |
Pretax return on assets | 1.5929% | 956 |
Return on Equity (ROE) | 20.4525% | 279 |
Retained earnings to average equity (ytd only) | 2.1995% | 3,694 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.7216% | 4,322 |
Assets per employee ($millions) | 15.9122% | 167 |
Cash dividends to net income (ytd only)* | 89.2460% | 481 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5588% | 1,249 |
Loan loss allowance to noncurrent loans | 27,650.0000% | 63 |
Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,030 |
Noncurrent loans to loans | 0.0056% | 3,953 |
Net loans and leases to total assets | 57.7554% | 2,558 |
Net loans and leases to deposits | 62.8826% | 2,817 |
Net loans and leases to core deposits | 66.1258% | 2,807 |
Total domestic deposits to total assets | 91.8464% | 908 |
Equity capital to assets | 7.4564% | 3,502 |
Core capital (leverage) ratio | 8.2381% | 4,148 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7885% | 2,162 |
Memoranda: | ||
Average total assets | $304,730,000 | 2,460 |
Average earning assets | $296,982,667 | 2,398 |
Average equity | $23,733,000 | 2,761 |
Average total loans | $178,763,000 | 2,388 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1961% | 2,701 |
Cost of funding earning assets | 0.1262% | 3,820 |
Net interest margin | 3.0699% | 2,268 |
Noninterest income to average assets | 0.1007% | 4,504 |
Noninterest expense to average assets | 1.5768% | 4,332 |
Loan and lease loss provision to assets | 0.0784% | 1,051 |
Net operating income to assets | 1.4356% | 733 |
Return on assets (ROA) | 1.4356% | 731 |
Pretax return on assets | 1.4356% | 1,161 |
Return on Equity (ROE) | 18.0533% | 334 |
Retained earnings to average equity (ytd only) | -1.2167% | 4,162 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0152% | 4,255 |
Assets per employee ($millions) | 14.8854% | 210 |
Cash dividends to net income (ytd only)* | 106.7395% | 472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4944% | 1,564 |
Loan loss allowance to noncurrent loans | 27,050.0000% | 71 |
Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,069 |
Noncurrent loans to loans | 0.0055% | 3,994 |
Net loans and leases to total assets | 59.8938% | 2,081 |
Net loans and leases to deposits | 65.4925% | 2,380 |
Net loans and leases to core deposits | 69.6910% | 2,317 |
Total domestic deposits to total assets | 91.4513% | 830 |
Equity capital to assets | 7.8735% | 3,665 |
Core capital (leverage) ratio | 7.9594% | 4,333 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4484% | 2,428 |
Memoranda: | ||
Average total assets | $305,929,000 | 2,474 |
Average earning assets | $297,988,000 | 2,399 |
Average equity | $24,328,000 | 2,815 |
Average total loans | $179,455,500 | 2,384 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6003% | 2,389 |
Cost of funding earning assets | 0.2249% | 3,196 |
Net interest margin | 3.3755% | 2,099 |
Noninterest income to average assets | 0.1330% | 4,479 |
Noninterest expense to average assets | 1.5779% | 4,447 |
Loan and lease loss provision to assets | 0.0858% | 1,432 |
Net operating income to assets | 1.7484% | 573 |
Return on assets (ROA) | 1.7484% | 593 |
Pretax return on assets | 1.7484% | 1,029 |
Return on Equity (ROE) | 19.7561% | 320 |
Retained earnings to average equity (ytd only) | 2.7271% | 3,751 |
Net charge-offs to loans | 0.0006% | 2,678 |
Credit loss provision to net charge-offs | 24,000.0000% | 30 |
Earnings coverage of net charge-offs (x) | 5,130.0000% | 21 |
Efficiency ratio | 46.2433% | 4,487 |
Assets per employee ($millions) | 15.7076% | 186 |
Cash dividends to net income (ytd only)* | 86.1963% | 387 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4868% | 1,606 |
Loan loss allowance to noncurrent loans | 26,450.0000% | 69 |
Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,149 |
Noncurrent loans to loans | 0.0056% | 4,067 |
Net loans and leases to total assets | 55.7862% | 2,646 |
Net loans and leases to deposits | 60.7465% | 3,010 |
Net loans and leases to core deposits | 64.1100% | 2,975 |
Total domestic deposits to total assets | 91.8345% | 229 |
Equity capital to assets | 8.0267% | 4,348 |
Core capital (leverage) ratio | 7.9641% | 4,389 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7296% | 2,351 |
Memoranda: | ||
Average total assets | $279,678,200 | 2,540 |
Average earning assets | $271,696,200 | 2,474 |
Average equity | $24,751,800 | 2,867 |
Average total loans | $171,266,400 | 2,454 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6950% | 2,290 |
Cost of funding earning assets | 0.2527% | 3,095 |
Net interest margin | 3.4422% | 2,034 |
Noninterest income to average assets | 0.1323% | 4,535 |
Noninterest expense to average assets | 1.6070% | 4,462 |
Loan and lease loss provision to assets | 0.0885% | 1,348 |
Net operating income to assets | 1.7796% | 694 |
Return on assets (ROA) | 1.7796% | 729 |
Pretax return on assets | 1.7796% | 1,209 |
Return on Equity (ROE) | 19.5808% | 458 |
Retained earnings to average equity (ytd only) | 2.8143% | 3,959 |
Net charge-offs to loans | 0.0008% | 2,426 |
Credit loss provision to net charge-offs | 18,000.0000% | 38 |
Earnings coverage of net charge-offs (x) | 3,798.0000% | 33 |
Efficiency ratio | 46.2420% | 4,487 |
Assets per employee ($millions) | 15.0990% | 203 |
Cash dividends to net income (ytd only)* | 85.6274% | 321 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4914% | 1,666 |
Loan loss allowance to noncurrent loans | 23,500.0000% | 72 |
Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,235 |
Noncurrent loans to loans | 0.0063% | 4,160 |
Net loans and leases to total assets | 59.5160% | 2,320 |
Net loans and leases to deposits | 65.4417% | 2,686 |
Net loans and leases to core deposits | 68.3567% | 2,745 |
Total domestic deposits to total assets | 90.9450% | 386 |
Equity capital to assets | 8.7531% | 4,031 |
Core capital (leverage) ratio | 9.2322% | 3,287 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8854% | 2,401 |
Memoranda: | ||
Average total assets | $271,060,000 | 2,613 |
Average earning assets | $263,234,000 | 2,551 |
Average equity | $24,635,750 | 2,906 |
Average total loans | $169,608,500 | 2,500 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7381% | 2,235 |
Cost of funding earning assets | 0.2881% | 2,893 |
Net interest margin | 3.4500% | 2,008 |
Noninterest income to average assets | 0.1287% | 4,561 |
Noninterest expense to average assets | 1.6193% | 4,482 |
Loan and lease loss provision to assets | 0.0903% | 1,379 |
Net operating income to assets | 1.7706% | 765 |
Return on assets (ROA) | 1.7706% | 803 |
Pretax return on assets | 1.7706% | 1,297 |
Return on Equity (ROE) | 19.2260% | 520 |
Retained earnings to average equity (ytd only) | 2.7291% | 3,925 |
Net charge-offs to loans | 0.0012% | 2,193 |
Credit loss provision to net charge-offs | 12,000.0000% | 44 |
Earnings coverage of net charge-offs (x) | 2,473.0000% | 34 |
Efficiency ratio | 46.5297% | 4,491 |
Assets per employee ($millions) | 13.8554% | 239 |
Cash dividends to net income (ytd only)* | 85.8054% | 408 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4530% | 1,755 |
Loan loss allowance to noncurrent loans | 22,954.5455% | 61 |
Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,295 |
Noncurrent loans to loans | 0.0063% | 4,217 |
Net loans and leases to total assets | 65.0541% | 1,821 |
Net loans and leases to deposits | 72.0679% | 2,197 |
Net loans and leases to core deposits | 77.0678% | 2,128 |
Total domestic deposits to total assets | 90.2679% | 661 |
Equity capital to assets | 9.4643% | 3,367 |
Core capital (leverage) ratio | 9.2270% | 3,194 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6592% | 2,490 |
Memoranda: | ||
Average total assets | $265,786,333 | 2,643 |
Average earning assets | $258,203,667 | 2,571 |
Average equity | $24,477,333 | 2,911 |
Average total loans | $168,369,667 | 2,525 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6360% | 2,533 |
Cost of funding earning assets | 0.3406% | 2,608 |
Net interest margin | 3.2954% | 2,408 |
Noninterest income to average assets | 0.1303% | 4,552 |
Noninterest expense to average assets | 1.5907% | 4,549 |
Loan and lease loss provision to assets | 0.0899% | 1,475 |
Net operating income to assets | 1.6521% | 1,017 |
Return on assets (ROA) | 1.6521% | 1,067 |
Pretax return on assets | 1.6521% | 1,599 |
Return on Equity (ROE) | 18.1874% | 709 |
Retained earnings to average equity (ytd only) | 1.1872% | 4,186 |
Net charge-offs to loans | -0.0072% | 3,535 |
Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.7303% | 4,359 |
Assets per employee ($millions) | 15.3946% | 185 |
Cash dividends to net income (ytd only)* | 93.4723% | 462 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4655% | 1,718 |
Loan loss allowance to noncurrent loans | 9,144.4444% | 110 |
Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,318 |
Noncurrent loans to loans | 0.0160% | 4,218 |
Net loans and leases to total assets | 59.9091% | 2,547 |
Net loans and leases to deposits | 65.7885% | 2,941 |
Net loans and leases to core deposits | 71.7766% | 2,719 |
Total domestic deposits to total assets | 91.0633% | 379 |
Equity capital to assets | 8.7231% | 3,939 |
Core capital (leverage) ratio | 8.9489% | 3,665 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6617% | 2,420 |
Memoranda: | ||
Average total assets | $267,053,000 | 2,618 |
Average earning assets | $259,514,500 | 2,549 |
Average equity | $24,258,500 | 2,910 |
Average total loans | $165,663,500 | 2,548 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0638% | 2,535 |
Cost of funding earning assets | 0.4788% | 3,090 |
Net interest margin | 3.5850% | 2,192 |
Noninterest income to average assets | 0.1556% | 4,514 |
Noninterest expense to average assets | 1.6865% | 4,635 |
Loan and lease loss provision to assets | 0.2145% | 1,832 |
Net operating income to assets | 1.7370% | 455 |
Return on assets (ROA) | 1.7370% | 494 |
Pretax return on assets | 1.7370% | 787 |
Return on Equity (ROE) | 18.5645% | 298 |
Retained earnings to average equity (ytd only) | 2.7770% | 3,474 |
Net charge-offs to loans | -0.0169% | 4,385 |
Credit loss provision to net charge-offs | -1,981.4815% | 4,186 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.3573% | 4,701 |
Assets per employee ($millions) | 13.5265% | 236 |
Cash dividends to net income (ytd only)* | 85.0416% | 511 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4775% | 1,664 |
Loan loss allowance to noncurrent loans | 8,911.1111% | 124 |
Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,378 |
Noncurrent loans to loans | 0.0166% | 4,294 |
Net loans and leases to total assets | 62.4281% | 2,553 |
Net loans and leases to deposits | 69.1322% | 2,971 |
Net loans and leases to core deposits | 80.9683% | 2,278 |
Total domestic deposits to total assets | 90.3024% | 449 |
Equity capital to assets | 9.4727% | 3,643 |
Core capital (leverage) ratio | 8.8220% | 3,876 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9385% | 2,260 |
Memoranda: | ||
Average total assets | $249,395,800 | 2,583 |
Average earning assets | $242,261,200 | 2,513 |
Average equity | $23,334,800 | 2,916 |
Average total loans | $159,974,400 | 2,561 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1357% | 2,567 |
Cost of funding earning assets | 0.5095% | 3,163 |
Net interest margin | 3.6262% | 2,172 |
Noninterest income to average assets | 0.1481% | 4,561 |
Noninterest expense to average assets | 1.7174% | 4,604 |
Loan and lease loss provision to assets | 0.2154% | 1,872 |
Net operating income to assets | 1.7309% | 540 |
Return on assets (ROA) | 1.7309% | 601 |
Pretax return on assets | 1.7309% | 906 |
Return on Equity (ROE) | 18.5593% | 319 |
Retained earnings to average equity (ytd only) | 2.5069% | 3,739 |
Net charge-offs to loans | -0.0201% | 4,428 |
Credit loss provision to net charge-offs | -1,666.6667% | 4,037 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.8755% | 4,671 |
Assets per employee ($millions) | 14.3080% | 188 |
Cash dividends to net income (ytd only)* | 86.4924% | 476 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4300% | 1,606 |
Loan loss allowance to noncurrent loans | 8,100.0000% | 108 |
Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,453 |
Noncurrent loans to loans | 0.0177% | 4,354 |
Net loans and leases to total assets | 57.5078% | 3,467 |
Net loans and leases to deposits | 63.3214% | 3,840 |
Net loans and leases to core deposits | 73.7128% | 3,340 |
Total domestic deposits to total assets | 90.8189% | 208 |
Equity capital to assets | 8.8397% | 4,226 |
Core capital (leverage) ratio | 8.8462% | 3,910 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7198% | 2,316 |
Memoranda: | ||
Average total assets | $247,494,000 | 2,580 |
Average earning assets | $239,950,750 | 2,513 |
Average equity | $23,082,250 | 2,931 |
Average total loans | $159,256,000 | 2,577 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2470% | 2,613 |
Cost of funding earning assets | 0.5576% | 3,194 |
Net interest margin | 3.6894% | 2,207 |
Noninterest income to average assets | 0.1454% | 4,578 |
Noninterest expense to average assets | 1.8005% | 4,556 |
Loan and lease loss provision to assets | 0.2214% | 1,886 |
Net operating income to assets | 1.7170% | 603 |
Return on assets (ROA) | 1.7170% | 658 |
Pretax return on assets | 1.7170% | 968 |
Return on Equity (ROE) | 18.0532% | 361 |
Retained earnings to average equity (ytd only) | 0.8082% | 4,135 |
Net charge-offs to loans | -0.0263% | 4,495 |
Credit loss provision to net charge-offs | -1,261.9048% | 3,799 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.1564% | 4,619 |
Assets per employee ($millions) | 13.8964% | 204 |
Cash dividends to net income (ytd only)* | 95.5231% | 526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3597% | 1,727 |
Loan loss allowance to noncurrent loans | 7,607.1429% | 93 |
Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,529 |
Noncurrent loans to loans | 0.0179% | 4,429 |
Net loans and leases to total assets | 58.5247% | 3,466 |
Net loans and leases to deposits | 64.4903% | 3,846 |
Net loans and leases to core deposits | 76.7234% | 3,230 |
Total domestic deposits to total assets | 90.7496% | 212 |
Equity capital to assets | 8.9391% | 4,142 |
Core capital (leverage) ratio | 9.3630% | 3,509 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8198% | 2,259 |
Memoranda: | ||
Average total assets | $239,374,667 | 2,611 |
Average earning assets | $233,153,000 | 2,531 |
Average equity | $22,766,000 | 2,945 |
Average total loans | $159,473,333 | 2,569 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5355% | 2,209 |
Cost of funding earning assets | 0.6608% | 3,111 |
Net interest margin | 3.8748% | 1,748 |
Noninterest income to average assets | 0.1480% | 4,625 |
Noninterest expense to average assets | 1.8868% | 4,560 |
Loan and lease loss provision to assets | 0.2378% | 1,304 |
Net operating income to assets | 1.8252% | 388 |
Return on assets (ROA) | 1.8252% | 434 |
Pretax return on assets | 1.8252% | 661 |
Return on Equity (ROE) | 18.5430% | 232 |
Retained earnings to average equity (ytd only) | -2.0226% | 4,257 |
Net charge-offs to loans | -0.0448% | 4,596 |
Credit loss provision to net charge-offs | -750.0000% | 3,481 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.7698% | 4,770 |
Assets per employee ($millions) | 11.7247% | 250 |
Cash dividends to net income (ytd only)* | 110.9073% | 670 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2390% | 2,459 |
Loan loss allowance to noncurrent loans | 7,132.1429% | 94 |
Noncurrent assets plus other real estate owned to assets | 0.0126% | 4,586 |
Noncurrent loans to loans | 0.0174% | 4,502 |
Net loans and leases to total assets | 71.4567% | 2,008 |
Net loans and leases to deposits | 79.4371% | 2,738 |
Net loans and leases to core deposits | 97.8642% | 1,640 |
Total domestic deposits to total assets | 89.9538% | 337 |
Equity capital to assets | 9.7378% | 4,007 |
Core capital (leverage) ratio | 10.0633% | 3,390 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2989% | 2,570 |
Memoranda: | ||
Average total assets | $227,046,000 | 2,654 |
Average earning assets | $222,773,500 | 2,550 |
Average equity | $22,348,000 | 2,972 |
Average total loans | $160,883,000 | 2,533 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8538% | 1,881 |
Cost of funding earning assets | 0.6780% | 3,270 |
Net interest margin | 4.1758% | 1,363 |
Noninterest income to average assets | 0.1840% | 4,562 |
Noninterest expense to average assets | 1.9469% | 4,615 |
Loan and lease loss provision to assets | 0.1734% | 1,205 |
Net operating income to assets | 2.1371% | 255 |
Return on assets (ROA) | 2.1371% | 269 |
Pretax return on assets | 2.1371% | 436 |
Return on Equity (ROE) | 21.5588% | 146 |
Retained earnings to average equity (ytd only) | 2.6097% | 3,729 |
Net charge-offs to loans | 0.4838% | 390 |
Credit loss provision to net charge-offs | 48.4472% | 3,146 |
Earnings coverage of net charge-offs (x) | 6.4571% | 2,978 |
Efficiency ratio | 45.7298% | 4,923 |
Assets per employee ($millions) | 12.1748% | 213 |
Cash dividends to net income (ytd only)* | 87.8952% | 569 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1483% | 2,710 |
Loan loss allowance to noncurrent loans | 2,458.6667% | 273 |
Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,483 |
Noncurrent loans to loans | 0.0467% | 4,369 |
Net loans and leases to total assets | 68.6234% | 2,597 |
Net loans and leases to deposits | 76.4372% | 3,138 |
Net loans and leases to core deposits | 96.5261% | 1,856 |
Total domestic deposits to total assets | 89.7775% | 402 |
Equity capital to assets | 9.9441% | 3,973 |
Core capital (leverage) ratio | 9.8262% | 3,701 |
Tier 1 risk-based capital ratio | 12.2013% | 4,241 |
Total risk-based capital ratio | 13.2053% | 4,270 |
Memoranda: | ||
Average total assets | $224,978,000 | 2,621 |
Average earning assets | $219,456,600 | 2,537 |
Average equity | $22,301,800 | 2,938 |
Average total loans | $166,389,800 | 2,452 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8840% | 1,862 |
Cost of funding earning assets | 0.6665% | 3,365 |
Net interest margin | 4.2175% | 1,335 |
Noninterest income to average assets | 0.1796% | 4,646 |
Noninterest expense to average assets | 2.0317% | 4,493 |
Loan and lease loss provision to assets | 0.1522% | 1,237 |
Net operating income to assets | 2.1009% | 319 |
Return on assets (ROA) | 2.1009% | 330 |
Pretax return on assets | 2.1009% | 548 |
Return on Equity (ROE) | 21.2109% | 192 |
Retained earnings to average equity (ytd only) | 2.4525% | 4,117 |
Net charge-offs to loans | 0.6395% | 251 |
Credit loss provision to net charge-offs | 31.6770% | 2,903 |
Earnings coverage of net charge-offs (x) | 4.6894% | 2,984 |
Efficiency ratio | 47.4161% | 4,885 |
Assets per employee ($millions) | 12.1823% | 207 |
Cash dividends to net income (ytd only)* | 88.4374% | 467 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0534% | 3,269 |
Loan loss allowance to noncurrent loans | 780.3653% | 695 |
Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,241 |
Noncurrent loans to loans | 0.1350% | 4,049 |
Net loans and leases to total assets | 69.3567% | 2,573 |
Net loans and leases to deposits | 77.3465% | 3,165 |
Net loans and leases to core deposits | 96.2711% | 1,970 |
Total domestic deposits to total assets | 89.6701% | 384 |
Equity capital to assets | 9.8538% | 4,157 |
Core capital (leverage) ratio | 9.8849% | 3,752 |
Tier 1 risk-based capital ratio | 12.6261% | 4,069 |
Total risk-based capital ratio | 13.5977% | 4,108 |
Memoranda: | ||
Average total assets | $223,392,000 | 2,653 |
Average earning assets | $217,438,750 | 2,573 |
Average equity | $22,126,500 | 2,975 |
Average total loans | $167,841,000 | 2,455 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8918% | 1,773 |
Cost of funding earning assets | 0.6554% | 3,378 |
Net interest margin | 4.2364% | 1,276 |
Noninterest income to average assets | 0.1649% | 4,763 |
Noninterest expense to average assets | 2.1060% | 4,407 |
Loan and lease loss provision to assets | 0.1087% | 1,723 |
Net operating income to assets | 2.0797% | 343 |
Return on assets (ROA) | 2.0797% | 355 |
Pretax return on assets | 2.0797% | 581 |
Return on Equity (ROE) | 20.9595% | 206 |
Retained earnings to average equity (ytd only) | 1.7169% | 4,201 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.0399% | 4,835 |
Assets per employee ($millions) | 12.4874% | 180 |
Cash dividends to net income (ytd only)* | 91.8083% | 574 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4168% | 1,538 |
Loan loss allowance to noncurrent loans | 135.2473% | 2,809 |
Noncurrent assets plus other real estate owned to assets | 0.7826% | 1,781 |
Noncurrent loans to loans | 1.0476% | 1,564 |
Net loans and leases to total assets | 73.6455% | 1,942 |
Net loans and leases to deposits | 83.1588% | 2,585 |
Net loans and leases to core deposits | 99.7343% | 1,749 |
Total domestic deposits to total assets | 88.5601% | 852 |
Equity capital to assets | 10.0114% | 3,969 |
Core capital (leverage) ratio | 10.0977% | 3,501 |
Tier 1 risk-based capital ratio | 12.1670% | 4,320 |
Total risk-based capital ratio | 13.4180% | 4,207 |
Memoranda: | ||
Average total assets | $220,701,670 | 2,684 |
Average earning assets | $215,134,000 | 2,600 |
Average equity | $21,899,330 | 2,980 |
Average total loans | $169,706,670 | 2,456 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8114% | 1,868 |
Cost of funding earning assets | 0.5944% | 3,605 |
Net interest margin | 4.2170% | 1,270 |
Noninterest income to average assets | 0.1189% | 5,020 |
Noninterest expense to average assets | 2.1348% | 4,409 |
Loan and lease loss provision to assets | 0.1098% | 1,625 |
Net operating income to assets | 1.9884% | 394 |
Return on assets (ROA) | 1.9884% | 412 |
Pretax return on assets | 1.9884% | 655 |
Return on Equity (ROE) | 20.1320% | 256 |
Retained earnings to average equity (ytd only) | -0.9260% | 4,640 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.4322% | 4,795 |
Assets per employee ($millions) | 11.6028% | 226 |
Cash dividends to net income (ytd only)* | 104.5998% | 573 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3512% | 1,864 |
Loan loss allowance to noncurrent loans | 112.3002% | 3,199 |
Noncurrent assets plus other real estate owned to assets | 0.9367% | 1,505 |
Noncurrent loans to loans | 1.2032% | 1,373 |
Net loans and leases to total assets | 76.8000% | 1,346 |
Net loans and leases to deposits | 85.5411% | 2,184 |
Net loans and leases to core deposits | 101.9387% | 1,468 |
Total domestic deposits to total assets | 89.7815% | 535 |
Equity capital to assets | 9.8701% | 3,944 |
Core capital (leverage) ratio | 10.1155% | 3,475 |
Tier 1 risk-based capital ratio | 11.6462% | 4,661 |
Total risk-based capital ratio | 12.8931% | 4,539 |
Memoranda: | ||
Average total assets | $218,665,500 | 2,731 |
Average earning assets | $213,326,500 | 2,637 |
Average equity | $21,597,500 | 3,016 |
Average total loans | $170,602,500 | 2,470 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7147% | 1,776 |
Cost of funding earning assets | 0.3328% | 4,390 |
Net interest margin | 4.3819% | 980 |
Noninterest income to average assets | 0.1120% | 5,114 |
Noninterest expense to average assets | 2.1166% | 4,522 |
Loan and lease loss provision to assets | 0.1154% | 1,913 |
Net operating income to assets | 2.1781% | 261 |
Return on assets (ROA) | 2.1781% | 254 |
Pretax return on assets | 2.1781% | 373 |
Return on Equity (ROE) | 21.5970% | 171 |
Retained earnings to average equity (ytd only) | 3.7131% | 3,534 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.9943% | 5,046 |
Assets per employee ($millions) | 11.4146% | 232 |
Cash dividends to net income (ytd only)* | 82.8073% | 613 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3321% | 1,897 |
Loan loss allowance to noncurrent loans | 6,454.2857% | 130 |
Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,810 |
Noncurrent loans to loans | 0.0206% | 4,697 |
Net loans and leases to total assets | 77.1489% | 1,417 |
Net loans and leases to deposits | 85.9086% | 2,287 |
Net loans and leases to core deposits | 94.3546% | 2,197 |
Total domestic deposits to total assets | 89.8035% | 540 |
Equity capital to assets | 9.8839% | 3,774 |
Core capital (leverage) ratio | 10.2373% | 3,315 |
Tier 1 risk-based capital ratio | 11.8443% | 4,540 |
Total risk-based capital ratio | 13.0762% | 4,425 |
Memoranda: | ||
Average total assets | $208,021,400 | 2,788 |
Average earning assets | $204,042,400 | 2,689 |
Average equity | $20,979,800 | 2,996 |
Average total loans | $154,276,400 | 2,596 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6555% | 1,812 |
Cost of funding earning assets | 0.2587% | 4,732 |
Net interest margin | 4.3968% | 905 |
Noninterest income to average assets | 0.1082% | 5,183 |
Noninterest expense to average assets | 2.1482% | 4,432 |
Loan and lease loss provision to assets | 0.1166% | 1,742 |
Net operating income to assets | 2.1592% | 277 |
Return on assets (ROA) | 2.1592% | 274 |
Pretax return on assets | 2.1592% | 425 |
Return on Equity (ROE) | 21.2975% | 198 |
Retained earnings to average equity (ytd only) | 3.7956% | 3,875 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.5576% | 5,028 |
Assets per employee ($millions) | 10.7852% | 262 |
Cash dividends to net income (ytd only)* | 82.1782% | 528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3725% | 1,805 |
Loan loss allowance to noncurrent loans | 6,108.3333% | 142 |
Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,908 |
Noncurrent loans to loans | 0.0225% | 4,803 |
Net loans and leases to total assets | 77.1108% | 1,483 |
Net loans and leases to deposits | 86.4196% | 2,329 |
Net loans and leases to core deposits | 94.2658% | 2,260 |
Total domestic deposits to total assets | 89.2284% | 763 |
Equity capital to assets | 10.2963% | 3,337 |
Core capital (leverage) ratio | 10.4378% | 3,143 |
Tier 1 risk-based capital ratio | 12.2764% | 4,336 |
Total risk-based capital ratio | 13.5260% | 4,222 |
Memoranda: | ||
Average total assets | $205,807,250 | 2,831 |
Average earning assets | $202,022,000 | 2,719 |
Average equity | $20,865,750 | 3,033 |
Average total loans | $150,451,000 | 2,652 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6045% | 1,771 |
Cost of funding earning assets | 0.2334% | 4,831 |
Net interest margin | 4.3711% | 906 |
Noninterest income to average assets | 0.1164% | 5,206 |
Noninterest expense to average assets | 2.1669% | 4,447 |
Loan and lease loss provision to assets | 0.1164% | 1,704 |
Net operating income to assets | 2.1222% | 298 |
Return on assets (ROA) | 2.1222% | 290 |
Pretax return on assets | 2.1222% | 464 |
Return on Equity (ROE) | 21.0410% | 205 |
Retained earnings to average equity (ytd only) | 3.7714% | 3,716 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.1850% | 5,068 |
Assets per employee ($millions) | 10.9283% | 245 |
Cash dividends to net income (ytd only)* | 82.0759% | 664 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3912% | 1,779 |
Loan loss allowance to noncurrent loans | 5,628.9474% | 144 |
Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,940 |
Noncurrent loans to loans | 0.0247% | 4,820 |
Net loans and leases to total assets | 73.0199% | 2,108 |
Net loans and leases to deposits | 81.6014% | 2,808 |
Net loans and leases to core deposits | 85.7116% | 2,948 |
Total domestic deposits to total assets | 89.4836% | 743 |
Equity capital to assets | 10.1191% | 3,521 |
Core capital (leverage) ratio | 10.3302% | 3,207 |
Tier 1 risk-based capital ratio | 12.6699% | 4,082 |
Total risk-based capital ratio | 13.9200% | 3,984 |
Memoranda: | ||
Average total assets | $206,103,670 | 2,844 |
Average earning assets | $202,238,330 | 2,736 |
Average equity | $20,788,000 | 3,051 |
Average total loans | $147,197,000 | 2,703 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2710% | 2,633 |
Cost of funding earning assets | 0.2062% | 4,978 |
Net interest margin | 4.0648% | 1,525 |
Noninterest income to average assets | 0.0877% | 5,369 |
Noninterest expense to average assets | 2.2188% | 4,371 |
Loan and lease loss provision to assets | 0.0974% | 1,891 |
Net operating income to assets | 1.7649% | 601 |
Return on assets (ROA) | 1.7649% | 608 |
Pretax return on assets | 1.7649% | 974 |
Return on Equity (ROE) | 17.5271% | 456 |
Retained earnings to average equity (ytd only) | 0.3482% | 4,753 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.3675% | 4,761 |
Assets per employee ($millions) | 10.3656% | 283 |
Cash dividends to net income (ytd only)* | 98.0132% | 597 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4362% | 1,705 |
Loan loss allowance to noncurrent loans | 166.1847% | 2,576 |
Noncurrent assets plus other real estate owned to assets | 0.6005% | 2,512 |
Noncurrent loans to loans | 0.8642% | 2,091 |
Net loans and leases to total assets | 68.4913% | 2,698 |
Net loans and leases to deposits | 76.3088% | 3,177 |
Net loans and leases to core deposits | 80.8604% | 3,257 |
Total domestic deposits to total assets | 89.7555% | 757 |
Equity capital to assets | 9.9266% | 3,669 |
Core capital (leverage) ratio | 10.3520% | 3,114 |
Tier 1 risk-based capital ratio | 13.2624% | 3,804 |
Total risk-based capital ratio | 14.5134% | 3,709 |
Memoranda: | ||
Average total assets | $205,336,500 | 2,884 |
Average earning assets | $201,731,000 | 2,770 |
Average equity | $20,676,500 | 3,090 |
Average total loans | $143,917,500 | 2,763 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1764% | 2,775 |
Cost of funding earning assets | 0.1887% | 5,034 |
Net interest margin | 3.9877% | 1,782 |
Noninterest income to average assets | 0.1055% | 5,395 |
Noninterest expense to average assets | 2.0916% | 4,784 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.8997% | 340 |
Return on assets (ROA) | 1.9007% | 348 |
Pretax return on assets | 1.9007% | 601 |
Return on Equity (ROE) | 18.4566% | 278 |
Retained earnings to average equity (ytd only) | 2.2485% | 3,971 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.4037% | 5,081 |
Assets per employee ($millions) | 11.2979% | 224 |
Cash dividends to net income (ytd only)* | 87.8171% | 581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4043% | 1,749 |
Loan loss allowance to noncurrent loans | 162.0385% | 2,654 |
Noncurrent assets plus other real estate owned to assets | 0.6127% | 2,494 |
Noncurrent loans to loans | 0.8666% | 2,061 |
Net loans and leases to total assets | 69.7067% | 2,565 |
Net loans and leases to deposits | 77.8816% | 3,124 |
Net loans and leases to core deposits | 83.4326% | 3,111 |
Total domestic deposits to total assets | 89.5034% | 774 |
Equity capital to assets | 10.2153% | 3,477 |
Core capital (leverage) ratio | 10.7067% | 2,644 |
Tier 1 risk-based capital ratio | 13.4607% | 3,650 |
Total risk-based capital ratio | 14.7117% | 3,559 |
Memoranda: | ||
Average total assets | $199,084,400 | 2,930 |
Average earning assets | $193,994,200 | 2,824 |
Average equity | $20,502,200 | 3,081 |
Average total loans | $137,010,600 | 2,823 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1910% | 2,647 |
Cost of funding earning assets | 0.1835% | 5,112 |
Net interest margin | 4.0075% | 1,672 |
Noninterest income to average assets | 0.1104% | 5,444 |
Noninterest expense to average assets | 2.1244% | 4,681 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.8820% | 402 |
Return on assets (ROA) | 1.8833% | 406 |
Pretax return on assets | 1.8833% | 717 |
Return on Equity (ROE) | 18.2499% | 312 |
Retained earnings to average equity (ytd only) | 2.2250% | 4,526 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.0252% | 5,010 |
Assets per employee ($millions) | 10.9732% | 237 |
Cash dividends to net income (ytd only)* | 87.8082% | 477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4855% | 1,592 |
Loan loss allowance to noncurrent loans | 161.9086% | 2,624 |
Noncurrent assets plus other real estate owned to assets | 0.6313% | 2,616 |
Noncurrent loans to loans | 0.9175% | 2,093 |
Net loans and leases to total assets | 67.7872% | 2,874 |
Net loans and leases to deposits | 76.1550% | 3,360 |
Net loans and leases to core deposits | 81.7936% | 3,308 |
Total domestic deposits to total assets | 89.0121% | 883 |
Equity capital to assets | 10.5717% | 3,289 |
Core capital (leverage) ratio | 10.8314% | 2,613 |
Tier 1 risk-based capital ratio | 13.9420% | 3,470 |
Total risk-based capital ratio | 15.1933% | 3,394 |
Memoranda: | ||
Average total assets | $198,015,000 | 2,968 |
Average earning assets | $192,501,000 | 2,869 |
Average equity | $20,434,250 | 3,114 |
Average total loans | $135,319,250 | 2,862 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2024% | 2,465 |
Cost of funding earning assets | 0.1760% | 5,168 |
Net interest margin | 4.0264% | 1,527 |
Noninterest income to average assets | 0.1221% | 5,439 |
Noninterest expense to average assets | 2.1415% | 4,692 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.8821% | 385 |
Return on assets (ROA) | 1.8831% | 396 |
Pretax return on assets | 1.8831% | 687 |
Return on Equity (ROE) | 18.3975% | 302 |
Retained earnings to average equity (ytd only) | 2.3860% | 4,253 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.2230% | 5,080 |
Assets per employee ($millions) | 10.8801% | 233 |
Cash dividends to net income (ytd only)* | 87.0311% | 690 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4876% | 1,621 |
Loan loss allowance to noncurrent loans | 4,807.1429% | 147 |
Noncurrent assets plus other real estate owned to assets | 0.0214% | 5,189 |
Noncurrent loans to loans | 0.0309% | 5,035 |
Net loans and leases to total assets | 68.2717% | 2,774 |
Net loans and leases to deposits | 76.6792% | 3,262 |
Net loans and leases to core deposits | 81.0996% | 3,337 |
Total domestic deposits to total assets | 89.0355% | 935 |
Equity capital to assets | 10.6015% | 3,225 |
Core capital (leverage) ratio | 10.4858% | 2,933 |
Tier 1 risk-based capital ratio | 13.8069% | 3,531 |
Total risk-based capital ratio | 15.0582% | 3,453 |
Memoranda: | ||
Average total assets | $198,180,670 | 2,982 |
Average earning assets | $192,033,330 | 2,885 |
Average equity | $20,285,330 | 3,127 |
Average total loans | $135,122,000 | 2,868 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1877% | 2,314 |
Cost of funding earning assets | 0.1786% | 5,167 |
Net interest margin | 4.0091% | 1,448 |
Noninterest income to average assets | 0.1344% | 5,440 |
Noninterest expense to average assets | 2.1329% | 4,788 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.8741% | 388 |
Return on assets (ROA) | 1.8761% | 402 |
Pretax return on assets | 1.8761% | 680 |
Return on Equity (ROE) | 18.6562% | 299 |
Retained earnings to average equity (ytd only) | 2.4941% | 4,144 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.2298% | 5,185 |
Assets per employee ($millions) | 11.1247% | 215 |
Cash dividends to net income (ytd only)* | 86.6310% | 866 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4844% | 1,749 |
Loan loss allowance to noncurrent loans | 4,695.3488% | 173 |
Noncurrent assets plus other real estate owned to assets | 0.0215% | 5,248 |
Noncurrent loans to loans | 0.0316% | 5,083 |
Net loans and leases to total assets | 66.9160% | 2,829 |
Net loans and leases to deposits | 74.6671% | 3,338 |
Net loans and leases to core deposits | 78.8411% | 3,403 |
Total domestic deposits to total assets | 89.6192% | 845 |
Equity capital to assets | 10.0941% | 3,635 |
Core capital (leverage) ratio | 10.2934% | 3,121 |
Tier 1 risk-based capital ratio | 13.7614% | 3,623 |
Total risk-based capital ratio | 15.0131% | 3,529 |
Memoranda: | ||
Average total assets | $199,350,500 | 3,002 |
Average earning assets | $192,564,000 | 2,902 |
Average equity | $20,047,000 | 3,169 |
Average total loans | $134,821,500 | 2,892 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0150% | 3,141 |
Cost of funding earning assets | 0.1942% | 5,072 |
Net interest margin | 3.8208% | 2,243 |
Noninterest income to average assets | 0.1032% | 5,637 |
Noninterest expense to average assets | 2.0778% | 5,039 |
Loan and lease loss provision to assets | 0.0087% | 4,193 |
Net operating income to assets | 1.7249% | 514 |
Return on assets (ROA) | 1.7583% | 500 |
Pretax return on assets | 1.7583% | 872 |
Return on Equity (ROE) | 16.9415% | 414 |
Retained earnings to average equity (ytd only) | 1.8560% | 4,475 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.5148% | 5,198 |
Assets per employee ($millions) | 11.0253% | 224 |
Cash dividends to net income (ytd only)* | 89.0447% | 613 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5109% | 1,625 |
Loan loss allowance to noncurrent loans | 4,588.6364% | 164 |
Noncurrent assets plus other real estate owned to assets | 0.0222% | 5,300 |
Noncurrent loans to loans | 0.0329% | 5,133 |
Net loans and leases to total assets | 66.3165% | 3,024 |
Net loans and leases to deposits | 73.8911% | 3,525 |
Net loans and leases to core deposits | 82.5394% | 3,169 |
Total domestic deposits to total assets | 89.7489% | 751 |
Equity capital to assets | 10.0178% | 3,703 |
Core capital (leverage) ratio | 10.2896% | 3,121 |
Tier 1 risk-based capital ratio | 14.0753% | 3,421 |
Total risk-based capital ratio | 15.3276% | 3,337 |
Memoranda: | ||
Average total assets | $194,678,000 | 3,014 |
Average earning assets | $188,940,000 | 2,904 |
Average equity | $20,204,800 | 3,150 |
Average total loans | $129,428,000 | 2,929 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9936% | 3,247 |
Cost of funding earning assets | 0.1957% | 5,117 |
Net interest margin | 3.7979% | 2,342 |
Noninterest income to average assets | 0.1039% | 5,696 |
Noninterest expense to average assets | 2.0770% | 5,047 |
Loan and lease loss provision to assets | 0.0096% | 4,046 |
Net operating income to assets | 1.7040% | 586 |
Return on assets (ROA) | 1.7488% | 570 |
Pretax return on assets | 1.7488% | 1,004 |
Return on Equity (ROE) | 16.7010% | 474 |
Retained earnings to average equity (ytd only) | 1.9849% | 4,692 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.7930% | 5,174 |
Assets per employee ($millions) | 11.2523% | 205 |
Cash dividends to net income (ytd only)* | 88.1148% | 569 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5029% | 1,756 |
Loan loss allowance to noncurrent loans | 4,382.6087% | 171 |
Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,420 |
Noncurrent loans to loans | 0.0343% | 5,237 |
Net loans and leases to total assets | 65.2339% | 3,245 |
Net loans and leases to deposits | 72.9180% | 3,713 |
Net loans and leases to core deposits | 81.9747% | 3,282 |
Total domestic deposits to total assets | 89.4619% | 690 |
Equity capital to assets | 10.2196% | 3,890 |
Core capital (leverage) ratio | 10.1897% | 3,343 |
Tier 1 risk-based capital ratio | 14.0341% | 3,546 |
Total risk-based capital ratio | 15.2863% | 3,464 |
Memoranda: | ||
Average total assets | $193,733,500 | 3,033 |
Average earning assets | $188,065,250 | 2,929 |
Average equity | $20,285,750 | 3,161 |
Average total loans | $128,378,000 | 2,949 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9637% | 3,374 |
Cost of funding earning assets | 0.1980% | 5,167 |
Net interest margin | 3.7657% | 2,454 |
Noninterest income to average assets | 0.1059% | 5,756 |
Noninterest expense to average assets | 2.0954% | 5,066 |
Loan and lease loss provision to assets | 0.0052% | 3,951 |
Net operating income to assets | 1.6531% | 639 |
Return on assets (ROA) | 1.7212% | 588 |
Pretax return on assets | 1.7212% | 1,044 |
Return on Equity (ROE) | 16.2994% | 497 |
Retained earnings to average equity (ytd only) | 1.5783% | 4,748 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.8224% | 5,160 |
Assets per employee ($millions) | 10.8840% | 213 |
Cash dividends to net income (ytd only)* | 90.3167% | 681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5466% | 1,692 |
Loan loss allowance to noncurrent loans | 4,270.2128% | 175 |
Noncurrent assets plus other real estate owned to assets | 0.0240% | 5,494 |
Noncurrent loans to loans | 0.0362% | 5,323 |
Net loans and leases to total assets | 65.2130% | 3,196 |
Net loans and leases to deposits | 73.0872% | 3,696 |
Net loans and leases to core deposits | 82.6695% | 3,211 |
Total domestic deposits to total assets | 89.2263% | 797 |
Equity capital to assets | 10.4899% | 3,639 |
Core capital (leverage) ratio | 10.3509% | 3,129 |
Tier 1 risk-based capital ratio | 14.3318% | 3,418 |
Total risk-based capital ratio | 15.5838% | 3,337 |
Memoranda: | ||
Average total assets | $190,797,330 | 3,079 |
Average earning assets | $184,826,670 | 2,988 |
Average equity | $20,148,000 | 3,182 |
Average total loans | $126,456,670 | 2,991 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9213% | 3,506 |
Cost of funding earning assets | 0.2000% | 5,206 |
Net interest margin | 3.7212% | 2,589 |
Noninterest income to average assets | 0.1211% | 5,734 |
Noninterest expense to average assets | 2.0442% | 5,237 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.6745% | 609 |
Return on assets (ROA) | 1.6957% | 623 |
Pretax return on assets | 1.6957% | 1,080 |
Return on Equity (ROE) | 16.0028% | 532 |
Retained earnings to average equity (ytd only) | 0.6618% | 4,949 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9714% | 5,289 |
Assets per employee ($millions) | 11.9172% | 157 |
Cash dividends to net income (ytd only)* | 95.8647% | 754 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6088% | 1,580 |
Loan loss allowance to noncurrent loans | 3,925.4902% | 189 |
Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,542 |
Noncurrent loans to loans | 0.0410% | 5,331 |
Net loans and leases to total assets | 60.4372% | 3,716 |
Net loans and leases to deposits | 67.2321% | 4,133 |
Net loans and leases to core deposits | 75.6257% | 3,715 |
Total domestic deposits to total assets | 89.8935% | 642 |
Equity capital to assets | 9.8888% | 4,227 |
Core capital (leverage) ratio | 10.5021% | 2,962 |
Tier 1 risk-based capital ratio | 14.6590% | 3,305 |
Total risk-based capital ratio | 15.9117% | 3,248 |
Memoranda: | ||
Average total assets | $188,240,000 | 3,110 |
Average earning assets | $181,982,500 | 3,023 |
Average equity | $19,946,500 | 3,205 |
Average total loans | $124,801,500 | 3,017 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9851% | 3,361 |
Cost of funding earning assets | 0.2131% | 5,163 |
Net interest margin | 3.7720% | 2,470 |
Noninterest income to average assets | 0.0907% | 5,901 |
Noninterest expense to average assets | 2.1189% | 5,217 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.6900% | 590 |
Return on assets (ROA) | 1.6900% | 606 |
Pretax return on assets | 1.6900% | 1,025 |
Return on Equity (ROE) | 15.1240% | 668 |
Retained earnings to average equity (ytd only) | 2.5326% | 4,264 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.6292% | 5,383 |
Assets per employee ($millions) | 10.2287% | 248 |
Cash dividends to net income (ytd only)* | 83.2541% | 787 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5996% | 1,616 |
Loan loss allowance to noncurrent loans | 3,777.3585% | 210 |
Noncurrent assets plus other real estate owned to assets | 0.0305% | 5,568 |
Noncurrent loans to loans | 0.0423% | 5,346 |
Net loans and leases to total assets | 70.8260% | 2,239 |
Net loans and leases to deposits | 80.1424% | 2,806 |
Net loans and leases to core deposits | 89.7038% | 2,430 |
Total domestic deposits to total assets | 88.3753% | 1,434 |
Equity capital to assets | 11.4206% | 2,427 |
Core capital (leverage) ratio | 11.1681% | 2,248 |
Tier 1 risk-based capital ratio | 14.8256% | 3,258 |
Total risk-based capital ratio | 16.0787% | 3,195 |
Memoranda: | ||
Average total assets | $174,197,400 | 3,244 |
Average earning assets | $171,714,800 | 3,100 |
Average equity | $19,465,800 | 3,224 |
Average total loans | $121,265,600 | 3,032 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9191% | 3,689 |
Cost of funding earning assets | 0.2148% | 5,234 |
Net interest margin | 3.7043% | 2,753 |
Noninterest income to average assets | 0.0918% | 5,987 |
Noninterest expense to average assets | 2.1062% | 5,259 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.6395% | 703 |
Return on assets (ROA) | 1.6395% | 729 |
Pretax return on assets | 1.6395% | 1,269 |
Return on Equity (ROE) | 14.7529% | 761 |
Retained earnings to average equity (ytd only) | 2.5472% | 4,603 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2296% | 5,326 |
Assets per employee ($millions) | 10.5195% | 225 |
Cash dividends to net income (ytd only)* | 82.7345% | 677 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6166% | 1,730 |
Loan loss allowance to noncurrent loans | 3,707.4074% | 204 |
Noncurrent assets plus other real estate owned to assets | 0.0302% | 5,668 |
Noncurrent loans to loans | 0.0436% | 5,444 |
Net loans and leases to total assets | 68.1310% | 2,657 |
Net loans and leases to deposits | 76.8906% | 3,209 |
Net loans and leases to core deposits | 84.3878% | 2,998 |
Total domestic deposits to total assets | 88.6077% | 1,232 |
Equity capital to assets | 11.0724% | 2,936 |
Core capital (leverage) ratio | 11.2994% | 2,199 |
Tier 1 risk-based capital ratio | 14.6669% | 3,459 |
Total risk-based capital ratio | 15.9205% | 3,395 |
Memoranda: | ||
Average total assets | $174,274,750 | 3,269 |
Average earning assets | $171,905,500 | 3,121 |
Average equity | $19,367,500 | 3,261 |
Average total loans | $120,292,000 | 3,070 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8978% | 3,703 |
Cost of funding earning assets | 0.2265% | 5,178 |
Net interest margin | 3.6714% | 2,832 |
Noninterest income to average assets | 0.0915% | 6,055 |
Noninterest expense to average assets | 2.1325% | 5,269 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.5814% | 776 |
Return on assets (ROA) | 1.5814% | 806 |
Pretax return on assets | 1.5814% | 1,387 |
Return on Equity (ROE) | 14.2121% | 861 |
Retained earnings to average equity (ytd only) | 1.9248% | 4,736 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.4190% | 5,290 |
Assets per employee ($millions) | 10.2906% | 241 |
Cash dividends to net income (ytd only)* | 86.4568% | 786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6452% | 1,760 |
Loan loss allowance to noncurrent loans | 3,707.4074% | 173 |
Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,747 |
Noncurrent loans to loans | 0.0444% | 5,571 |
Net loans and leases to total assets | 68.4128% | 2,586 |
Net loans and leases to deposits | 77.2237% | 3,129 |
Net loans and leases to core deposits | 84.4919% | 2,931 |
Total domestic deposits to total assets | 88.5904% | 1,366 |
Equity capital to assets | 11.1380% | 2,733 |
Core capital (leverage) ratio | 11.1414% | 2,300 |
Tier 1 risk-based capital ratio | 14.5393% | 3,612 |
Total risk-based capital ratio | 15.7922% | 3,542 |
Memoranda: | ||
Average total assets | $172,755,670 | 3,306 |
Average earning assets | $170,454,330 | 3,160 |
Average equity | $19,223,000 | 3,295 |
Average total loans | $119,108,670 | 3,097 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7871% | 4,059 |
Cost of funding earning assets | 0.2388% | 5,137 |
Net interest margin | 3.5483% | 3,230 |
Noninterest income to average assets | 0.0839% | 6,139 |
Noninterest expense to average assets | 2.1251% | 5,328 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.4563% | 929 |
Return on assets (ROA) | 1.4563% | 989 |
Pretax return on assets | 1.4563% | 1,707 |
Return on Equity (ROE) | 13.0945% | 1,065 |
Retained earnings to average equity (ytd only) | -1.0476% | 5,565 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.3364% | 5,176 |
Assets per employee ($millions) | 10.1012% | 253 |
Cash dividends to net income (ytd only)* | 108.0000% | 607 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6962% | 1,749 |
Loan loss allowance to noncurrent loans | 398.0119% | 1,207 |
Noncurrent assets plus other real estate owned to assets | 0.2929% | 4,800 |
Noncurrent loans to loans | 0.4262% | 4,318 |
Net loans and leases to total assets | 67.5670% | 2,517 |
Net loans and leases to deposits | 76.2712% | 3,025 |
Net loans and leases to core deposits | 79.3373% | 3,243 |
Total domestic deposits to total assets | 88.5878% | 1,505 |
Equity capital to assets | 11.3097% | 2,638 |
Core capital (leverage) ratio | 11.2173% | 2,219 |
Tier 1 risk-based capital ratio | 14.8794% | 3,494 |
Total risk-based capital ratio | 16.1333% | 3,432 |
Memoranda: | ||
Average total assets | $171,663,000 | 3,332 |
Average earning assets | $169,206,500 | 3,190 |
Average equity | $19,092,000 | 3,329 |
Average total loans | $117,821,000 | 3,129 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9039% | 4,111 |
Cost of funding earning assets | 0.2666% | 5,140 |
Net interest margin | 3.6373% | 3,267 |
Noninterest income to average assets | 0.0942% | 6,173 |
Noninterest expense to average assets | 2.1378% | 5,487 |
Loan and lease loss provision to assets | 0.0456% | 3,663 |
Net operating income to assets | 1.4760% | 923 |
Return on assets (ROA) | 1.4760% | 962 |
Pretax return on assets | 1.4760% | 1,634 |
Return on Equity (ROE) | 13.4953% | 1,042 |
Retained earnings to average equity (ytd only) | 3.2058% | 3,956 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.4191% | 5,419 |
Assets per employee ($millions) | 10.0945% | 245 |
Cash dividends to net income (ytd only)* | 76.2454% | 1,040 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7022% | 1,767 |
Loan loss allowance to noncurrent loans | 390.2534% | 1,301 |
Noncurrent assets plus other real estate owned to assets | 0.2989% | 4,839 |
Noncurrent loans to loans | 0.4362% | 4,337 |
Net loans and leases to total assets | 67.3706% | 2,674 |
Net loans and leases to deposits | 75.6960% | 3,233 |
Net loans and leases to core deposits | 79.9159% | 3,308 |
Total domestic deposits to total assets | 89.0016% | 1,233 |
Equity capital to assets | 10.9338% | 2,968 |
Core capital (leverage) ratio | 10.3685% | 3,092 |
Tier 1 risk-based capital ratio | 15.2218% | 3,366 |
Total risk-based capital ratio | 16.4768% | 3,312 |
Memoranda: | ||
Average total assets | $164,562,000 | 3,419 |
Average earning assets | $161,300,800 | 3,262 |
Average equity | $17,998,800 | 3,397 |
Average total loans | $108,720,200 | 3,250 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8643% | 4,306 |
Cost of funding earning assets | 0.2644% | 5,262 |
Net interest margin | 3.6000% | 3,427 |
Noninterest income to average assets | 0.0942% | 6,267 |
Noninterest expense to average assets | 2.1932% | 5,367 |
Loan and lease loss provision to assets | 0.0426% | 3,546 |
Net operating income to assets | 1.3824% | 1,167 |
Return on assets (ROA) | 1.3824% | 1,209 |
Pretax return on assets | 1.3824% | 2,075 |
Return on Equity (ROE) | 12.6384% | 1,311 |
Retained earnings to average equity (ytd only) | 1.8269% | 5,138 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.6157% | 5,105 |
Assets per employee ($millions) | 9.9710% | 242 |
Cash dividends to net income (ytd only)* | 85.5453% | 616 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7342% | 1,873 |
Loan loss allowance to noncurrent loans | 379.1188% | 1,254 |
Noncurrent assets plus other real estate owned to assets | 0.3080% | 5,033 |
Noncurrent loans to loans | 0.4574% | 4,531 |
Net loans and leases to total assets | 66.1554% | 2,839 |
Net loans and leases to deposits | 74.3128% | 3,397 |
Net loans and leases to core deposits | 77.1907% | 3,617 |
Total domestic deposits to total assets | 89.0229% | 1,225 |
Equity capital to assets | 10.7813% | 3,204 |
Core capital (leverage) ratio | 10.9788% | 2,513 |
Tier 1 risk-based capital ratio | 15.1255% | 3,516 |
Total risk-based capital ratio | 16.3809% | 3,454 |
Memoranda: | ||
Average total assets | $162,801,000 | 3,473 |
Average earning assets | $159,368,000 | 3,316 |
Average equity | $17,807,750 | 3,442 |
Average total loans | $106,496,750 | 3,316 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9004% | 4,133 |
Cost of funding earning assets | 0.2676% | 5,312 |
Net interest margin | 3.6328% | 3,219 |
Noninterest income to average assets | 0.0984% | 6,291 |
Noninterest expense to average assets | 2.2334% | 5,334 |
Loan and lease loss provision to assets | 0.0561% | 3,176 |
Net operating income to assets | 1.3602% | 1,161 |
Return on assets (ROA) | 1.3602% | 1,204 |
Pretax return on assets | 1.3602% | 2,040 |
Return on Equity (ROE) | 12.3725% | 1,338 |
Retained earnings to average equity (ytd only) | 0.6345% | 5,479 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1945% | 5,116 |
Assets per employee ($millions) | 9.1572% | 310 |
Cash dividends to net income (ytd only)* | 94.8718% | 602 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8648% | 1,666 |
Loan loss allowance to noncurrent loans | 370.6767% | 1,243 |
Noncurrent assets plus other real estate owned to assets | 0.3417% | 5,015 |
Noncurrent loans to loans | 0.5031% | 4,485 |
Net loans and leases to total assets | 66.6652% | 2,645 |
Net loans and leases to deposits | 75.7130% | 3,097 |
Net loans and leases to core deposits | 80.8002% | 3,117 |
Total domestic deposits to total assets | 88.0499% | 1,871 |
Equity capital to assets | 11.6360% | 2,289 |
Core capital (leverage) ratio | 11.2075% | 2,234 |
Tier 1 risk-based capital ratio | 16.2460% | 2,959 |
Total risk-based capital ratio | 17.5031% | 2,903 |
Memoranda: | ||
Average total assets | $160,565,670 | 3,527 |
Average earning assets | $156,959,670 | 3,364 |
Average equity | $17,652,000 | 3,458 |
Average total loans | $103,956,670 | 3,378 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8082% | 4,456 |
Cost of funding earning assets | 0.2700% | 5,383 |
Net interest margin | 3.5382% | 3,531 |
Noninterest income to average assets | 0.0957% | 6,346 |
Noninterest expense to average assets | 2.2207% | 5,412 |
Loan and lease loss provision to assets | 0.0736% | 2,668 |
Net operating income to assets | 1.2735% | 1,288 |
Return on assets (ROA) | 1.2735% | 1,337 |
Pretax return on assets | 1.2735% | 2,202 |
Return on Equity (ROE) | 11.9167% | 1,433 |
Retained earnings to average equity (ytd only) | -2.5027% | 5,912 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2421% | 5,088 |
Assets per employee ($millions) | 10.0226% | 229 |
Cash dividends to net income (ytd only)* | 121.0019% | 526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9136% | 1,711 |
Loan loss allowance to noncurrent loans | 363.7546% | 1,257 |
Noncurrent assets plus other real estate owned to assets | 0.3158% | 5,204 |
Noncurrent loans to loans | 0.5261% | 4,597 |
Net loans and leases to total assets | 58.8731% | 3,719 |
Net loans and leases to deposits | 65.9815% | 4,099 |
Net loans and leases to core deposits | 70.3093% | 4,052 |
Total domestic deposits to total assets | 89.2268% | 1,515 |
Equity capital to assets | 10.3149% | 3,443 |
Core capital (leverage) ratio | 10.7721% | 2,630 |
Tier 1 risk-based capital ratio | 16.2201% | 3,050 |
Total risk-based capital ratio | 17.4766% | 3,005 |
Memoranda: | ||
Average total assets | $163,012,500 | 3,513 |
Average earning assets | $159,970,500 | 3,346 |
Average equity | $17,421,000 | 3,493 |
Average total loans | $103,059,500 | 3,408 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1530% | 3,528 |
Cost of funding earning assets | 0.3384% | 5,259 |
Net interest margin | 3.8146% | 2,601 |
Noninterest income to average assets | 0.0992% | 6,389 |
Noninterest expense to average assets | 2.3556% | 5,213 |
Loan and lease loss provision to assets | 0.1323% | 2,657 |
Net operating income to assets | 1.3480% | 1,140 |
Return on assets (ROA) | 1.3818% | 1,102 |
Pretax return on assets | 1.3818% | 1,857 |
Return on Equity (ROE) | 11.8980% | 1,450 |
Retained earnings to average equity (ytd only) | 7.2337% | 1,343 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.4086% | 5,304 |
Assets per employee ($millions) | 9.1553% | 315 |
Cash dividends to net income (ytd only)* | 39.2020% | 2,848 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8555% | 1,908 |
Loan loss allowance to noncurrent loans | 354.2279% | 1,293 |
Noncurrent assets plus other real estate owned to assets | 0.3495% | 5,214 |
Noncurrent loans to loans | 0.5238% | 4,682 |
Net loans and leases to total assets | 65.4870% | 2,775 |
Net loans and leases to deposits | 73.7217% | 3,303 |
Net loans and leases to core deposits | 78.7916% | 3,268 |
Total domestic deposits to total assets | 88.8300% | 1,731 |
Equity capital to assets | 11.0942% | 2,529 |
Core capital (leverage) ratio | 11.5388% | 1,933 |
Tier 1 risk-based capital ratio | 15.8822% | 3,157 |
Total risk-based capital ratio | 17.1383% | 3,110 |
Memoranda: | ||
Average total assets | $145,100,400 | 3,785 |
Average earning assets | $142,137,600 | 3,632 |
Average equity | $16,851,600 | 3,582 |
Average total loans | $96,975,000 | 3,533 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1747% | 3,479 |
Cost of funding earning assets | 0.3518% | 5,276 |
Net interest margin | 3.8229% | 2,564 |
Noninterest income to average assets | 0.1039% | 6,468 |
Noninterest expense to average assets | 2.3968% | 5,034 |
Loan and lease loss provision to assets | 0.1610% | 2,244 |
Net operating income to assets | 1.2887% | 1,378 |
Return on assets (ROA) | 1.3346% | 1,308 |
Pretax return on assets | 1.3346% | 2,195 |
Return on Equity (ROE) | 11.3525% | 1,692 |
Retained earnings to average equity (ytd only) | 7.6028% | 1,588 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.3114% | 5,095 |
Assets per employee ($millions) | 8.6742% | 355 |
Cash dividends to net income (ytd only)* | 33.0292% | 2,564 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8489% | 2,143 |
Loan loss allowance to noncurrent loans | 346.7273% | 1,217 |
Noncurrent assets plus other real estate owned to assets | 0.3730% | 5,292 |
Noncurrent loans to loans | 0.5332% | 4,861 |
Net loans and leases to total assets | 68.6529% | 2,207 |
Net loans and leases to deposits | 77.7508% | 2,707 |
Net loans and leases to core deposits | 84.2820% | 2,623 |
Total domestic deposits to total assets | 88.2987% | 1,940 |
Equity capital to assets | 11.5047% | 2,301 |
Core capital (leverage) ratio | 11.4635% | 2,070 |
Tier 1 risk-based capital ratio | 15.8058% | 3,295 |
Total risk-based capital ratio | 17.0619% | 3,247 |
Memoranda: | ||
Average total assets | $142,465,500 | 3,878 |
Average earning assets | $139,471,500 | 3,706 |
Average equity | $16,747,750 | 3,639 |
Average total loans | $95,256,000 | 3,592 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1122% | 3,690 |
Cost of funding earning assets | 0.3539% | 5,363 |
Net interest margin | 3.7582% | 2,729 |
Noninterest income to average assets | 0.1108% | 6,492 |
Noninterest expense to average assets | 2.4006% | 5,049 |
Loan and lease loss provision to assets | 0.1776% | 2,139 |
Net operating income to assets | 1.2131% | 1,560 |
Return on assets (ROA) | 1.2827% | 1,462 |
Pretax return on assets | 1.2827% | 2,361 |
Return on Equity (ROE) | 10.8304% | 1,870 |
Retained earnings to average equity (ytd only) | 8.9473% | 1,140 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.3196% | 4,958 |
Assets per employee ($millions) | 8.8698% | 325 |
Cash dividends to net income (ytd only)* | 17.3865% | 3,094 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8722% | 2,189 |
Loan loss allowance to noncurrent loans | 335.1351% | 1,260 |
Noncurrent assets plus other real estate owned to assets | 0.3681% | 5,378 |
Noncurrent loans to loans | 0.5586% | 4,863 |
Net loans and leases to total assets | 64.6528% | 2,817 |
Net loans and leases to deposits | 72.8860% | 3,322 |
Net loans and leases to core deposits | 77.6345% | 3,343 |
Total domestic deposits to total assets | 88.7039% | 1,776 |
Equity capital to assets | 11.1561% | 2,605 |
Core capital (leverage) ratio | 11.4727% | 1,953 |
Tier 1 risk-based capital ratio | 16.2561% | 3,068 |
Total risk-based capital ratio | 17.5132% | 3,010 |
Memoranda: | ||
Average total assets | $140,800,000 | 3,932 |
Average earning assets | $137,884,000 | 3,758 |
Average equity | $16,675,330 | 3,669 |
Average total loans | $92,626,670 | 3,665 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2005% | 3,298 |
Cost of funding earning assets | 0.3791% | 5,295 |
Net interest margin | 3.8214% | 2,370 |
Noninterest income to average assets | 0.1031% | 6,562 |
Noninterest expense to average assets | 2.4947% | 4,775 |
Loan and lease loss provision to assets | 0.1767% | 2,097 |
Net operating income to assets | 1.1723% | 1,607 |
Return on assets (ROA) | 1.3166% | 1,344 |
Pretax return on assets | 1.3166% | 2,171 |
Return on Equity (ROE) | 10.7698% | 1,771 |
Retained earnings to average equity (ytd only) | 10.7698% | 922 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9042% | 4,840 |
Assets per employee ($millions) | 8.2810% | 440 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9846% | 2,089 |
Loan loss allowance to noncurrent loans | 319.9643% | 1,244 |
Noncurrent assets plus other real estate owned to assets | 0.3985% | 5,399 |
Noncurrent loans to loans | 0.6203% | 4,893 |
Net loans and leases to total assets | 62.9734% | 2,887 |
Net loans and leases to deposits | 71.5842% | 3,240 |
Net loans and leases to core deposits | 77.2425% | 3,167 |
Total domestic deposits to total assets | 87.9710% | 2,330 |
Equity capital to assets | 11.9295% | 2,089 |
Core capital (leverage) ratio | 12.0909% | 1,515 |
Tier 1 risk-based capital ratio | 17.5983% | 2,520 |
Total risk-based capital ratio | 18.8566% | 2,485 |
Memoranda: | ||
Average total assets | $135,806,500 | 4,069 |
Average earning assets | $132,936,500 | 3,882 |
Average equity | $16,602,000 | 3,730 |
Average total loans | $89,266,000 | 3,766 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2629% | 4,352 |
Cost of funding earning assets | 0.5492% | 4,827 |
Net interest margin | 3.7137% | 3,589 |
Noninterest income to average assets | 0.0894% | 6,547 |
Noninterest expense to average assets | 2.4258% | 5,341 |
Loan and lease loss provision to assets | 0.1757% | 3,424 |
Net operating income to assets | 1.0887% | 1,975 |
Return on assets (ROA) | 1.0887% | 2,162 |
Pretax return on assets | 1.0887% | 3,201 |
Return on Equity (ROE) | 8.9980% | 2,634 |
Retained earnings to average equity (ytd only) | 4.6411% | 2,951 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.7350% | 4,555 |
Assets per employee ($millions) | 7.6962% | 576 |
Cash dividends to net income (ytd only)* | 48.4211% | 2,402 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9697% | 2,105 |
Loan loss allowance to noncurrent loans | 306.5371% | 1,269 |
Noncurrent assets plus other real estate owned to assets | 0.4326% | 5,407 |
Noncurrent loans to loans | 0.6426% | 4,912 |
Net loans and leases to total assets | 65.9987% | 2,527 |
Net loans and leases to deposits | 75.5376% | 2,875 |
Net loans and leases to core deposits | 80.0241% | 2,994 |
Total domestic deposits to total assets | 87.3720% | 2,596 |
Equity capital to assets | 12.5424% | 1,677 |
Core capital (leverage) ratio | 12.0712% | 1,529 |
Tier 1 risk-based capital ratio | 17.5344% | 2,445 |
Total risk-based capital ratio | 18.7926% | 2,411 |
Memoranda: | ||
Average total assets | $130,886,800 | 4,128 |
Average earning assets | $126,908,000 | 3,967 |
Average equity | $15,836,800 | 3,800 |
Average total loans | $83,076,800 | 3,938 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2308% | 4,706 |
Cost of funding earning assets | 0.5904% | 4,740 |
Net interest margin | 3.6404% | 4,055 |
Noninterest income to average assets | 0.0866% | 6,668 |
Noninterest expense to average assets | 2.3203% | 5,634 |
Loan and lease loss provision to assets | 0.2037% | 3,039 |
Net operating income to assets | 1.0858% | 2,148 |
Return on assets (ROA) | 1.0858% | 2,342 |
Pretax return on assets | 1.0858% | 3,404 |
Return on Equity (ROE) | 9.0566% | 2,775 |
Retained earnings to average equity (ytd only) | 9.0566% | 1,210 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.2777% | 4,768 |
Assets per employee ($millions) | 7.9069% | 501 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0082% | 2,148 |
Loan loss allowance to noncurrent loans | 298.0769% | 1,249 |
Noncurrent assets plus other real estate owned to assets | 0.4255% | 5,620 |
Noncurrent loans to loans | 0.6737% | 5,097 |
Net loans and leases to total assets | 61.8950% | 3,401 |
Net loans and leases to deposits | 70.5403% | 3,823 |
Net loans and leases to core deposits | 74.5863% | 3,903 |
Total domestic deposits to total assets | 87.7442% | 2,200 |
Equity capital to assets | 12.1435% | 2,154 |
Core capital (leverage) ratio | 11.6961% | 1,847 |
Tier 1 risk-based capital ratio | 18.0308% | 2,324 |
Total risk-based capital ratio | 19.2896% | 2,297 |
Memoranda: | ||
Average total assets | $130,899,500 | 4,163 |
Average earning assets | $126,687,500 | 4,003 |
Average equity | $15,693,500 | 3,864 |
Average total loans | $81,824,750 | 4,027 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2307% | 4,845 |
Cost of funding earning assets | 0.6485% | 4,453 |
Net interest margin | 3.5821% | 4,339 |
Noninterest income to average assets | 0.0863% | 6,730 |
Noninterest expense to average assets | 2.2971% | 5,749 |
Loan and lease loss provision to assets | 0.2158% | 2,911 |
Net operating income to assets | 1.0391% | 2,304 |
Return on assets (ROA) | 1.0391% | 2,527 |
Pretax return on assets | 1.0391% | 3,562 |
Return on Equity (ROE) | 8.7059% | 2,935 |
Retained earnings to average equity (ytd only) | 8.7059% | 1,374 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6701% | 4,772 |
Assets per employee ($millions) | 8.2696% | 418 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0590% | 2,089 |
Loan loss allowance to noncurrent loans | 284.6021% | 1,253 |
Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,684 |
Noncurrent loans to loans | 0.7235% | 5,060 |
Net loans and leases to total assets | 59.1381% | 3,964 |
Net loans and leases to deposits | 67.2719% | 4,320 |
Net loans and leases to core deposits | 70.3416% | 4,495 |
Total domestic deposits to total assets | 87.9091% | 2,203 |
Equity capital to assets | 11.9950% | 2,155 |
Core capital (leverage) ratio | 11.6542% | 1,807 |
Tier 1 risk-based capital ratio | 18.3977% | 2,160 |
Total risk-based capital ratio | 19.6569% | 2,119 |
Memoranda: | ||
Average total assets | $129,726,670 | 4,217 |
Average earning assets | $125,511,670 | 4,043 |
Average equity | $15,483,670 | 3,894 |
Average total loans | $80,798,670 | 4,080 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2999% | 4,737 |
Cost of funding earning assets | 0.7145% | 4,159 |
Net interest margin | 3.5854% | 4,327 |
Noninterest income to average assets | 0.0841% | 6,806 |
Noninterest expense to average assets | 2.2798% | 5,822 |
Loan and lease loss provision to assets | 0.2492% | 2,468 |
Net operating income to assets | 1.0247% | 2,384 |
Return on assets (ROA) | 1.0247% | 2,571 |
Pretax return on assets | 1.0247% | 3,590 |
Return on Equity (ROE) | 8.6069% | 2,991 |
Retained earnings to average equity (ytd only) | 8.6069% | 1,726 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.1543% | 4,895 |
Assets per employee ($millions) | 8.6663% | 369 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8771% | 2,748 |
Loan loss allowance to noncurrent loans | 271.4041% | 1,238 |
Noncurrent assets plus other real estate owned to assets | 0.4493% | 5,738 |
Noncurrent loans to loans | 0.6916% | 5,283 |
Net loans and leases to total assets | 63.7376% | 2,901 |
Net loans and leases to deposits | 72.4631% | 3,360 |
Net loans and leases to core deposits | 77.3442% | 3,420 |
Total domestic deposits to total assets | 87.9587% | 2,346 |
Equity capital to assets | 11.9206% | 2,098 |
Core capital (leverage) ratio | 11.6748% | 1,791 |
Tier 1 risk-based capital ratio | 17.2102% | 2,600 |
Total risk-based capital ratio | 18.4673% | 2,562 |
Memoranda: | ||
Average total assets | $128,433,000 | 4,270 |
Average earning assets | $124,283,000 | 4,106 |
Average equity | $15,290,000 | 3,936 |
Average total loans | $81,251,500 | 4,087 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3102% | 5,730 |
Cost of funding earning assets | 0.8411% | 4,537 |
Net interest margin | 3.4691% | 5,255 |
Noninterest income to average assets | 0.0694% | 6,757 |
Noninterest expense to average assets | 2.2699% | 6,118 |
Loan and lease loss provision to assets | 0.2502% | 3,699 |
Net operating income to assets | 0.8920% | 2,635 |
Return on assets (ROA) | 0.8920% | 2,769 |
Pretax return on assets | 0.8920% | 3,633 |
Return on Equity (ROE) | 7.6791% | 3,065 |
Retained earnings to average equity (ytd only) | 7.6791% | 1,198 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5247% | 4,650 |
Assets per employee ($millions) | 8.4581% | 397 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9279% | 2,482 |
Loan loss allowance to noncurrent loans | 255.0847% | 1,296 |
Noncurrent assets plus other real estate owned to assets | 0.4650% | 5,802 |
Noncurrent loans to loans | 0.7558% | 5,187 |
Net loans and leases to total assets | 60.3427% | 3,928 |
Net loans and leases to deposits | 68.5776% | 4,351 |
Net loans and leases to core deposits | 73.2984% | 4,336 |
Total domestic deposits to total assets | 87.9918% | 2,163 |
Equity capital to assets | 11.8891% | 2,208 |
Core capital (leverage) ratio | 11.3065% | 2,031 |
Tier 1 risk-based capital ratio | 18.0049% | 2,186 |
Total risk-based capital ratio | 19.2624% | 2,161 |
Memoranda: | ||
Average total assets | $123,884,400 | 4,295 |
Average earning assets | $119,368,800 | 4,144 |
Average equity | $14,389,800 | 4,032 |
Average total loans | $75,335,400 | 4,299 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3246% | 5,873 |
Cost of funding earning assets | 0.8640% | 4,671 |
Net interest margin | 3.4606% | 5,356 |
Noninterest income to average assets | 0.0660% | 6,890 |
Noninterest expense to average assets | 2.3182% | 5,981 |
Loan and lease loss provision to assets | 0.2707% | 3,338 |
Net operating income to assets | 0.8077% | 3,120 |
Return on assets (ROA) | 0.8077% | 3,286 |
Pretax return on assets | 0.8077% | 4,100 |
Return on Equity (ROE) | 6.9965% | 3,529 |
Retained earnings to average equity (ytd only) | 6.9965% | 1,972 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2499% | 4,270 |
Assets per employee ($millions) | 8.7571% | 363 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9716% | 2,413 |
Loan loss allowance to noncurrent loans | 242.8571% | 1,290 |
Noncurrent assets plus other real estate owned to assets | 0.4530% | 5,956 |
Noncurrent loans to loans | 0.8119% | 5,243 |
Net loans and leases to total assets | 54.6941% | 5,055 |
Net loans and leases to deposits | 61.7360% | 5,438 |
Net loans and leases to core deposits | 66.4834% | 5,364 |
Total domestic deposits to total assets | 88.5936% | 1,697 |
Equity capital to assets | 11.2869% | 2,878 |
Core capital (leverage) ratio | 11.0218% | 2,369 |
Tier 1 risk-based capital ratio | 18.3877% | 2,123 |
Total risk-based capital ratio | 19.6447% | 2,086 |
Memoranda: | ||
Average total assets | $123,137,500 | 4,338 |
Average earning assets | $118,512,000 | 4,195 |
Average equity | $14,216,250 | 4,086 |
Average total loans | $74,653,500 | 4,359 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3343% | 5,894 |
Cost of funding earning assets | 0.8782% | 4,837 |
Net interest margin | 3.4561% | 5,338 |
Noninterest income to average assets | 0.0681% | 6,967 |
Noninterest expense to average assets | 2.3854% | 5,887 |
Loan and lease loss provision to assets | 0.3571% | 2,643 |
Net operating income to assets | 0.6528% | 3,781 |
Return on assets (ROA) | 0.6528% | 3,906 |
Pretax return on assets | 0.6528% | 4,567 |
Return on Equity (ROE) | 5.6091% | 4,150 |
Retained earnings to average equity (ytd only) | 5.6091% | 2,639 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.2544% | 4,061 |
Assets per employee ($millions) | 8.4446% | 393 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8221% | 2,914 |
Loan loss allowance to noncurrent loans | 233.4437% | 1,313 |
Noncurrent assets plus other real estate owned to assets | 0.4768% | 5,964 |
Noncurrent loans to loans | 0.7805% | 5,352 |
Net loans and leases to total assets | 59.9776% | 4,278 |
Net loans and leases to deposits | 67.6995% | 4,756 |
Net loans and leases to core deposits | 73.1037% | 4,697 |
Total domestic deposits to total assets | 88.5939% | 1,788 |
Equity capital to assets | 11.3051% | 2,680 |
Core capital (leverage) ratio | 11.6359% | 1,827 |
Tier 1 risk-based capital ratio | 17.4059% | 2,372 |
Total risk-based capital ratio | 18.6628% | 2,339 |
Memoranda: | ||
Average total assets | $120,398,000 | 4,442 |
Average earning assets | $115,912,330 | 4,281 |
Average equity | $14,013,000 | 4,120 |
Average total loans | $75,108,330 | 4,386 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3722% | 5,780 |
Cost of funding earning assets | 0.9162% | 4,803 |
Net interest margin | 3.4560% | 5,196 |
Noninterest income to average assets | 0.0716% | 7,031 |
Noninterest expense to average assets | 2.4560% | 5,721 |
Loan and lease loss provision to assets | 0.5083% | 1,710 |
Net operating income to assets | 0.4400% | 4,765 |
Return on assets (ROA) | 0.4400% | 4,846 |
Pretax return on assets | 0.4400% | 5,221 |
Return on Equity (ROE) | 3.7231% | 5,030 |
Retained earnings to average equity (ytd only) | 3.7231% | 3,937 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.1443% | 3,830 |
Assets per employee ($millions) | 7.8395% | 499 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7767% | 3,079 |
Loan loss allowance to noncurrent loans | 218.8925% | 1,382 |
Noncurrent assets plus other real estate owned to assets | 0.5221% | 5,934 |
Noncurrent loans to loans | 0.8117% | 5,410 |
Net loans and leases to total assets | 63.1857% | 3,607 |
Net loans and leases to deposits | 71.7706% | 4,101 |
Net loans and leases to core deposits | 79.0489% | 3,873 |
Total domestic deposits to total assets | 88.0384% | 2,353 |
Equity capital to assets | 11.8332% | 2,019 |
Core capital (leverage) ratio | 11.6601% | 1,766 |
Tier 1 risk-based capital ratio | 17.5951% | 2,251 |
Total risk-based capital ratio | 18.8509% | 2,219 |
Memoranda: | ||
Average total assets | $117,262,500 | 4,553 |
Average earning assets | $113,077,500 | 4,381 |
Average equity | $13,859,500 | 4,140 |
Average total loans | $73,971,000 | 4,467 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4476% | 6,522 |
Cost of funding earning assets | 1.0513% | 5,426 |
Net interest margin | 3.3963% | 5,646 |
Noninterest income to average assets | 0.0628% | 7,052 |
Noninterest expense to average assets | 2.4779% | 5,868 |
Loan and lease loss provision to assets | 0.3787% | 3,846 |
Net operating income to assets | 0.4673% | 4,238 |
Return on assets (ROA) | 0.4886% | 4,312 |
Pretax return on assets | 0.4886% | 4,660 |
Return on Equity (ROE) | 3.9068% | 4,570 |
Retained earnings to average equity (ytd only) | 3.9068% | 3,128 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5485% | 3,286 |
Assets per employee ($millions) | 7.7955% | 525 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6529% | 3,389 |
Loan loss allowance to noncurrent loans | 189.3819% | 1,580 |
Noncurrent assets plus other real estate owned to assets | 0.5396% | 5,954 |
Noncurrent loans to loans | 0.8728% | 5,318 |
Net loans and leases to total assets | 60.8054% | 4,525 |
Net loans and leases to deposits | 69.0227% | 4,958 |
Net loans and leases to core deposits | 76.7233% | 4,618 |
Total domestic deposits to total assets | 88.0948% | 2,192 |
Equity capital to assets | 11.8052% | 2,038 |
Core capital (leverage) ratio | 11.5758% | 1,798 |
Tier 1 risk-based capital ratio | 18.8071% | 1,765 |
Total risk-based capital ratio | 20.0619% | 1,733 |
Memoranda: | ||
Average total assets | $108,277,400 | 4,763 |
Average earning assets | $103,966,600 | 4,605 |
Average equity | $13,540,600 | 4,251 |
Average total loans | $64,803,200 | 4,877 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4190% | 6,791 |
Cost of funding earning assets | 1.0634% | 5,631 |
Net interest margin | 3.3555% | 5,824 |
Noninterest income to average assets | 0.0616% | 7,218 |
Noninterest expense to average assets | 2.4941% | 5,734 |
Loan and lease loss provision to assets | 0.3769% | 3,628 |
Net operating income to assets | 0.4058% | 4,726 |
Return on assets (ROA) | 0.4347% | 4,788 |
Pretax return on assets | 0.4347% | 5,128 |
Return on Equity (ROE) | 3.4236% | 5,042 |
Retained earnings to average equity (ytd only) | 3.4236% | 4,046 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1120% | 2,930 |
Assets per employee ($millions) | 7.9469% | 518 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5836% | 3,603 |
Loan loss allowance to noncurrent loans | 170.8661% | 1,678 |
Noncurrent assets plus other real estate owned to assets | 0.5327% | 6,092 |
Noncurrent loans to loans | 0.9268% | 5,386 |
Net loans and leases to total assets | 56.5657% | 5,473 |
Net loans and leases to deposits | 63.9631% | 5,920 |
Net loans and leases to core deposits | 72.7151% | 5,435 |
Total domestic deposits to total assets | 88.4349% | 1,708 |
Equity capital to assets | 11.4502% | 2,575 |
Core capital (leverage) ratio | 11.7581% | 1,787 |
Tier 1 risk-based capital ratio | 19.3085% | 1,685 |
Total risk-based capital ratio | 20.5628% | 1,651 |
Memoranda: | ||
Average total assets | $106,113,750 | 4,885 |
Average earning assets | $101,679,750 | 4,736 |
Average equity | $13,474,750 | 4,333 |
Average total loans | $62,930,000 | 5,031 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4316% | 6,834 |
Cost of funding earning assets | 1.0579% | 5,884 |
Net interest margin | 3.3737% | 5,746 |
Noninterest income to average assets | 0.0668% | 7,248 |
Noninterest expense to average assets | 2.5435% | 5,549 |
Loan and lease loss provision to assets | 0.4423% | 3,110 |
Net operating income to assets | 0.3283% | 5,074 |
Return on assets (ROA) | 0.3735% | 5,043 |
Pretax return on assets | 0.3735% | 5,296 |
Return on Equity (ROE) | 2.8323% | 5,318 |
Retained earnings to average equity (ytd only) | 2.8323% | 4,340 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.7497% | 2,943 |
Assets per employee ($millions) | 7.7370% | 562 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5140% | 3,851 |
Loan loss allowance to noncurrent loans | 156.5891% | 1,781 |
Noncurrent assets plus other real estate owned to assets | 0.5955% | 6,004 |
Noncurrent loans to loans | 0.9669% | 5,371 |
Net loans and leases to total assets | 60.6557% | 4,938 |
Net loans and leases to deposits | 69.3824% | 5,369 |
Net loans and leases to core deposits | 81.1484% | 4,536 |
Total domestic deposits to total assets | 87.4222% | 2,311 |
Equity capital to assets | 12.4670% | 1,821 |
Core capital (leverage) ratio | 12.6872% | 1,329 |
Tier 1 risk-based capital ratio | 19.1950% | 1,678 |
Total risk-based capital ratio | 20.4481% | 1,638 |
Memoranda: | ||
Average total assets | $101,750,670 | 5,028 |
Average earning assets | $97,932,670 | 4,873 |
Average equity | $13,416,670 | 4,347 |
Average total loans | $61,069,000 | 5,134 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3573% | 7,057 |
Cost of funding earning assets | 1.0840% | 5,976 |
Net interest margin | 3.2733% | 6,063 |
Noninterest income to average assets | 0.0650% | 7,396 |
Noninterest expense to average assets | 2.6161% | 5,284 |
Loan and lease loss provision to assets | 0.4672% | 2,634 |
Net operating income to assets | 0.1219% | 5,957 |
Return on assets (ROA) | 0.2153% | 5,751 |
Pretax return on assets | 0.2153% | 5,832 |
Return on Equity (ROE) | 1.5853% | 5,927 |
Retained earnings to average equity (ytd only) | 1.5853% | 5,153 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.6223% | 2,330 |
Assets per employee ($millions) | 7.4895% | 653 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4248% | 4,297 |
Loan loss allowance to noncurrent loans | 137.8254% | 2,032 |
Noncurrent assets plus other real estate owned to assets | 0.6707% | 5,839 |
Noncurrent loans to loans | 1.0338% | 5,268 |
Net loans and leases to total assets | 63.9524% | 4,342 |
Net loans and leases to deposits | 74.2455% | 4,704 |
Net loans and leases to core deposits | 86.6201% | 3,809 |
Total domestic deposits to total assets | 86.1364% | 3,077 |
Equity capital to assets | 13.7434% | 1,229 |
Core capital (leverage) ratio | 13.6645% | 1,038 |
Tier 1 risk-based capital ratio | 20.3242% | 1,461 |
Total risk-based capital ratio | 21.5769% | 1,426 |
Memoranda: | ||
Average total assets | $98,467,000 | 5,194 |
Average earning assets | $94,462,500 | 5,031 |
Average equity | $13,373,000 | 4,385 |
Average total loans | $58,248,000 | 5,327 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2823% | 7,566 |
Cost of funding earning assets | 1.5474% | 5,297 |
Net interest margin | 2.7349% | 7,161 |
Noninterest income to average assets | 0.0552% | 7,484 |
Noninterest expense to average assets | 2.8402% | 4,786 |
Loan and lease loss provision to assets | 0.5697% | 3,531 |
Net operating income to assets | -0.7659% | 6,413 |
Return on assets (ROA) | -0.5603% | 6,231 |
Pretax return on assets | -0.5603% | 6,062 |
Return on Equity (ROE) | -3.5216% | 6,058 |
Retained earnings to average equity (ytd only) | -3.5216% | 5,796 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 107.4189% | 857 |
Assets per employee ($millions) | 7.6593% | 587 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4720% | 3,882 |
Loan loss allowance to noncurrent loans | 120.2144% | 2,350 |
Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,821 |
Noncurrent loans to loans | 1.2245% | 4,902 |
Net loans and leases to total assets | 52.7714% | 6,332 |
Net loans and leases to deposits | 61.0293% | 6,558 |
Net loans and leases to core deposits | 80.2557% | 6,066 |
Total domestic deposits to total assets | 86.4690% | 2,778 |
Equity capital to assets | 13.4226% | 1,355 |
Core capital (leverage) ratio | 13.4982% | 1,093 |
Tier 1 risk-based capital ratio | 21.3039% | 1,250 |
Total risk-based capital ratio | 22.5703% | 1,216 |
Memoranda: | ||
Average total assets | $85,133,800 | 5,556 |
Average earning assets | $80,587,400 | 5,436 |
Average equity | $13,545,000 | 4,375 |
Average total loans | $39,816,400 | 6,120 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1362% | 7,761 |
Cost of funding earning assets | 1.6655% | 5,085 |
Net interest margin | 2.4706% | 7,491 |
Noninterest income to average assets | 0.0540% | 7,633 |
Noninterest expense to average assets | 2.8621% | 4,605 |
Loan and lease loss provision to assets | 0.5969% | 3,003 |
Net operating income to assets | -1.0712% | 6,875 |
Return on assets (ROA) | -0.7997% | 6,693 |
Pretax return on assets | -0.7997% | 6,544 |
Return on Equity (ROE) | -4.7975% | 6,428 |
Retained earnings to average equity (ytd only) | -4.7975% | 6,229 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 119.8630% | 591 |
Assets per employee ($millions) | 7.0302% | 782 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3946% | 3,977 |
Loan loss allowance to noncurrent loans | 101.8377% | 2,726 |
Noncurrent assets plus other real estate owned to assets | 0.7145% | 5,698 |
Noncurrent loans to loans | 1.3695% | 4,632 |
Net loans and leases to total assets | 51.4460% | 6,660 |
Net loans and leases to deposits | 60.3817% | 6,802 |
Net loans and leases to core deposits | 65.3345% | 7,190 |
Total domestic deposits to total assets | 85.2013% | 3,126 |
Equity capital to assets | 14.7189% | 1,089 |
Core capital (leverage) ratio | 13.4654% | 1,241 |
Tier 1 risk-based capital ratio | 23.0954% | 1,100 |
Total risk-based capital ratio | 24.3085% | 1,073 |
Memoranda: | ||
Average total assets | $81,524,500 | 5,709 |
Average earning assets | $77,009,750 | 5,593 |
Average equity | $13,590,000 | 4,394 |
Average total loans | $36,438,000 | 6,321 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9340% | 7,925 |
Cost of funding earning assets | 1.7466% | 5,032 |
Net interest margin | 2.1874% | 7,756 |
Noninterest income to average assets | 0.0639% | 7,666 |
Noninterest expense to average assets | 2.9450% | 4,312 |
Loan and lease loss provision to assets | 0.5701% | 2,732 |
Net operating income to assets | -1.4086% | 7,204 |
Return on assets (ROA) | -1.1734% | 7,105 |
Pretax return on assets | -1.1734% | 6,920 |
Return on Equity (ROE) | -6.7322% | 6,773 |
Retained earnings to average equity (ytd only) | -6.7322% | 6,530 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 139.8058% | 434 |
Assets per employee ($millions) | 6.9051% | 803 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2678% | 4,482 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 45.3724% | 7,239 |
Net loans and leases to deposits | 53.4249% | 7,313 |
Net loans and leases to core deposits | 67.6292% | 7,140 |
Total domestic deposits to total assets | 84.9275% | 3,297 |
Equity capital to assets | 14.9411% | 1,040 |
Core capital (leverage) ratio | 14.6925% | 978 |
Tier 1 risk-based capital ratio | 25.4523% | 904 |
Total risk-based capital ratio | 26.5110% | 898 |
Memoranda: | ||
Average total assets | $78,235,000 | 5,854 |
Average earning assets | $73,056,330 | 5,787 |
Average equity | $13,636,000 | 4,387 |
Average total loans | $32,689,670 | 6,571 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9546% | 8,002 |
Cost of funding earning assets | 1.8266% | 4,992 |
Net interest margin | 2.1280% | 7,835 |
Noninterest income to average assets | 0.0331% | 7,913 |
Noninterest expense to average assets | 2.8095% | 4,517 |
Loan and lease loss provision to assets | 0.5796% | 2,174 |
Net operating income to assets | -1.4075% | 7,460 |
Return on assets (ROA) | -0.8997% | 7,220 |
Pretax return on assets | -0.8997% | 7,097 |
Return on Equity (ROE) | -4.7425% | 6,960 |
Retained earnings to average equity (ytd only) | -4.7425% | 6,522 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 141.7827% | 399 |
Assets per employee ($millions) | 6.6956% | 880 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2663% | 4,302 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 36.2798% | 7,720 |
Net loans and leases to deposits | 43.1401% | 7,756 |
Net loans and leases to core deposits | 51.8666% | 7,735 |
Total domestic deposits to total assets | 84.0975% | 3,657 |
Equity capital to assets | 15.7095% | 926 |
Core capital (leverage) ratio | 19.1773% | 440 |
Tier 1 risk-based capital ratio | 31.8591% | 537 |
Total risk-based capital ratio | 32.8746% | 540 |
Memoranda: | ||
Average total assets | $72,469,500 | 6,049 |
Average earning assets | $66,353,500 | 6,029 |
Average equity | $13,748,000 | 4,391 |
Average total loans | $28,408,500 | 6,855 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3881% | 8,149 |
Cost of funding earning assets | 1.6007% | 7,449 |
Net interest margin | 1.7874% | 8,131 |
Noninterest income to average assets | 0.0959% | 7,653 |
Noninterest expense to average assets | 3.8900% | 1,577 |
Loan and lease loss provision to assets | 0.6394% | 2,276 |
Net operating income to assets | -2.7198% | 7,763 |
Return on assets (ROA) | -2.6153% | 7,707 |
Pretax return on assets | -2.6153% | 7,620 |
Return on Equity (ROE) | -8.8116% | 7,182 |
Retained earnings to average equity (ytd only) | -8.8116% | 6,952 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 214.9588% | 178 |
Assets per employee ($millions) | 4.8247% | 2,149 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2081% | 4,467 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 42.3743% | 7,566 |
Net loans and leases to deposits | 55.7872% | 7,337 |
Net loans and leases to core deposits | 62.7090% | 7,487 |
Total domestic deposits to total assets | 75.9569% | 6,251 |
Equity capital to assets | 23.8738% | 290 |
Core capital (leverage) ratio | 23.3200% | 297 |
Tier 1 risk-based capital ratio | 42.6646% | 290 |
Total risk-based capital ratio | 43.6772% | 289 |
Memoranda: | ||
Average total assets | $46,915,750 | 6,901 |
Average earning assets | $44,981,250 | 6,814 |
Average equity | $13,924,750 | 4,356 |
Average total loans | $11,215,750 | 7,877 |