Home > First Commerce Bank > Performance and Condition Ratios
First Commerce Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8230% | 802 |
Cost of funding earning assets | 1.6784% | 1,495 |
Net interest margin | 4.1446% | 1,015 |
Noninterest income to average assets | 0.3100% | 3,052 |
Noninterest expense to average assets | 2.1414% | 3,288 |
Loan and lease loss provision to assets | 0.0300% | 2,526 |
Net operating income to assets | 1.6217% | 837 |
Return on assets (ROA) | 1.6166% | 812 |
Pretax return on assets | 2.0399% | 629 |
Return on Equity (ROE) | 18.6900% | 742 |
Retained earnings to average equity (ytd only) | 14.2563% | 381 |
Net charge-offs to loans | 0.0023% | 2,718 |
Credit loss provision to net charge-offs | 1,909.0909% | 238 |
Earnings coverage of net charge-offs (x) | 1,139.6364% | 139 |
Efficiency ratio | 50.7116% | 3,928 |
Assets per employee ($millions) | 8.7473% | 1,091 |
Cash dividends to net income (ytd only)* | 23.7342% | 2,805 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9780% | 3,423 |
Loan loss allowance to noncurrent loans | 3,414.7887% | 329 |
Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,568 |
Noncurrent loans to loans | 0.0286% | 3,535 |
Net loans and leases to total assets | 77.9500% | 875 |
Net loans and leases to deposits | 86.5120% | 1,582 |
Net loans and leases to core deposits | 107.5675% | 1,049 |
Total domestic deposits to total assets | 90.1100% | 728 |
Equity capital to assets | 8.9170% | 2,733 |
Core capital (leverage) ratio | 9.6238% | 3,142 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $602,327,800 | 1,472 |
Average earning assets | $568,712,200 | 1,443 |
Average equity | $52,089,400 | 1,552 |
Average total loans | $469,716,400 | 1,298 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6600% | 840 |
Cost of funding earning assets | 1.5142% | 1,563 |
Net interest margin | 4.1458% | 997 |
Noninterest income to average assets | 0.3100% | 3,041 |
Noninterest expense to average assets | 2.0750% | 3,410 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.6943% | 801 |
Return on assets (ROA) | 1.6874% | 801 |
Pretax return on assets | 2.1415% | 604 |
Return on Equity (ROE) | 19.7000% | 753 |
Retained earnings to average equity (ytd only) | 16.6127% | 414 |
Net charge-offs to loans | -0.0078% | 3,859 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 49.1096% | 3,976 |
Assets per employee ($millions) | 8.8166% | 997 |
Cash dividends to net income (ytd only)* | 15.6735% | 2,620 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9779% | 3,474 |
Loan loss allowance to noncurrent loans | 5,996.1538% | 203 |
Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,717 |
Noncurrent loans to loans | 0.0163% | 3,671 |
Net loans and leases to total assets | 78.9900% | 758 |
Net loans and leases to deposits | 87.7755% | 1,409 |
Net loans and leases to core deposits | 106.0207% | 1,015 |
Total domestic deposits to total assets | 89.9900% | 939 |
Equity capital to assets | 8.7597% | 2,565 |
Core capital (leverage) ratio | 9.7300% | 3,070 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $595,382,000 | 1,490 |
Average earning assets | $561,773,250 | 1,460 |
Average equity | $50,996,000 | 1,571 |
Average total loans | $463,191,750 | 1,309 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4644% | 879 |
Cost of funding earning assets | 1.3510% | 1,577 |
Net interest margin | 4.1134% | 1,066 |
Noninterest income to average assets | 0.3100% | 3,022 |
Noninterest expense to average assets | 2.0384% | 3,501 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.6933% | 794 |
Return on assets (ROA) | 1.6936% | 795 |
Pretax return on assets | 2.1613% | 564 |
Return on Equity (ROE) | 19.9300% | 712 |
Retained earnings to average equity (ytd only) | 15.2469% | 540 |
Net charge-offs to loans | -0.0218% | 4,147 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 48.5407% | 4,030 |
Assets per employee ($millions) | 9.0098% | 904 |
Cash dividends to net income (ytd only)* | 23.4791% | 2,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9998% | 3,419 |
Loan loss allowance to noncurrent loans | 5,949.3671% | 223 |
Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,713 |
Noncurrent loans to loans | 0.0168% | 3,647 |
Net loans and leases to total assets | 77.0900% | 931 |
Net loans and leases to deposits | 85.2809% | 1,563 |
Net loans and leases to core deposits | 102.4484% | 1,114 |
Total domestic deposits to total assets | 90.4000% | 815 |
Equity capital to assets | 8.5431% | 2,829 |
Core capital (leverage) ratio | 9.2131% | 3,545 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $593,999,000 | 1,491 |
Average earning assets | $561,046,000 | 1,457 |
Average equity | $50,489,000 | 1,589 |
Average total loans | $458,168,667 | 1,308 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2057% | 946 |
Cost of funding earning assets | 1.1547% | 1,577 |
Net interest margin | 4.0510% | 1,176 |
Noninterest income to average assets | 0.3100% | 2,990 |
Noninterest expense to average assets | 2.0300% | 3,559 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.6228% | 944 |
Return on assets (ROA) | 1.6233% | 943 |
Pretax return on assets | 2.0992% | 657 |
Return on Equity (ROE) | 19.1500% | 862 |
Retained earnings to average equity (ytd only) | 19.1479% | 425 |
Net charge-offs to loans | -0.0363% | 4,275 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 49.1695% | 4,012 |
Assets per employee ($millions) | 9.3218% | 834 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0261% | 3,407 |
Loan loss allowance to noncurrent loans | 5,720.7317% | 268 |
Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,721 |
Noncurrent loans to loans | 0.0179% | 3,660 |
Net loans and leases to total assets | 74.6700% | 1,119 |
Net loans and leases to deposits | 82.2942% | 1,627 |
Net loans and leases to core deposits | 97.5973% | 1,202 |
Total domestic deposits to total assets | 90.7400% | 894 |
Equity capital to assets | 8.3729% | 2,988 |
Core capital (leverage) ratio | 9.3276% | 3,380 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $589,171,000 | 1,526 |
Average earning assets | $556,004,000 | 1,500 |
Average equity | $49,948,000 | 1,613 |
Average total loans | $452,217,000 | 1,334 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5025% | 713 |
Cost of funding earning assets | 0.5175% | 1,283 |
Net interest margin | 3.9851% | 808 |
Noninterest income to average assets | 0.3500% | 3,007 |
Noninterest expense to average assets | 2.1445% | 3,177 |
Loan and lease loss provision to assets | 0.0400% | 2,129 |
Net operating income to assets | 1.4833% | 921 |
Return on assets (ROA) | 1.4544% | 951 |
Pretax return on assets | 1.8738% | 620 |
Return on Equity (ROE) | 16.8100% | 891 |
Retained earnings to average equity (ytd only) | 12.6328% | 565 |
Net charge-offs to loans | -0.0063% | 3,679 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 52.4152% | 3,947 |
Assets per employee ($millions) | 8.4180% | 1,132 |
Cash dividends to net income (ytd only)* | 24.8650% | 2,674 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0582% | 3,086 |
Loan loss allowance to noncurrent loans | 4,011.0169% | 353 |
Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,640 |
Noncurrent loans to loans | 0.0264% | 3,603 |
Net loans and leases to total assets | 77.3100% | 864 |
Net loans and leases to deposits | 85.1994% | 1,375 |
Net loans and leases to core deposits | 97.1058% | 1,146 |
Total domestic deposits to total assets | 90.7400% | 1,046 |
Equity capital to assets | 8.5885% | 2,641 |
Core capital (leverage) ratio | 9.2544% | 3,397 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $547,495,400 | 1,614 |
Average earning assets | $514,221,400 | 1,595 |
Average equity | $47,360,800 | 1,693 |
Average total loans | $411,093,200 | 1,361 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3100% | 716 |
Cost of funding earning assets | 0.4300% | 1,100 |
Net interest margin | 3.8800% | 830 |
Noninterest income to average assets | 0.3500% | 3,046 |
Noninterest expense to average assets | 2.0586% | 3,323 |
Loan and lease loss provision to assets | 0.0100% | 2,534 |
Net operating income to assets | 1.4600% | 932 |
Return on assets (ROA) | 1.4600% | 912 |
Pretax return on assets | 1.9251% | 549 |
Return on Equity (ROE) | 16.8500% | 825 |
Retained earnings to average equity (ytd only) | 14.0321% | 460 |
Net charge-offs to loans | 0.0043% | 2,041 |
Credit loss provision to net charge-offs | 384.6154% | 725 |
Earnings coverage of net charge-offs (x) | 605.0000% | 261 |
Efficiency ratio | 51.5165% | 4,045 |
Assets per employee ($millions) | 8.5370% | 1,046 |
Cash dividends to net income (ytd only)* | 16.7032% | 2,603 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0719% | 3,139 |
Loan loss allowance to noncurrent loans | 5,283.7209% | 258 |
Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,815 |
Noncurrent loans to loans | 0.0203% | 3,769 |
Net loans and leases to total assets | 74.4300% | 1,064 |
Net loans and leases to deposits | 81.8550% | 1,454 |
Net loans and leases to core deposits | 92.4407% | 1,165 |
Total domestic deposits to total assets | 90.9300% | 1,268 |
Equity capital to assets | 8.3783% | 2,618 |
Core capital (leverage) ratio | 9.2680% | 3,322 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $541,263,000 | 1,641 |
Average earning assets | $508,206,500 | 1,626 |
Average equity | $46,910,250 | 1,721 |
Average total loans | $402,045,000 | 1,378 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1485% | 703 |
Cost of funding earning assets | 0.3931% | 962 |
Net interest margin | 3.7554% | 831 |
Noninterest income to average assets | 0.3615% | 2,981 |
Noninterest expense to average assets | 2.0720% | 3,228 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.3861% | 938 |
Return on assets (ROA) | 1.3861% | 913 |
Pretax return on assets | 1.8252% | 559 |
Return on Equity (ROE) | 15.8081% | 735 |
Retained earnings to average equity (ytd only) | 11.5784% | 680 |
Net charge-offs to loans | -0.0223% | 3,921 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.1674% | 4,033 |
Assets per employee ($millions) | 8.6588% | 999 |
Cash dividends to net income (ytd only)* | 26.7568% | 2,216 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1312% | 3,025 |
Loan loss allowance to noncurrent loans | 2,862.2642% | 408 |
Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,690 |
Noncurrent loans to loans | 0.0395% | 3,650 |
Net loans and leases to total assets | 72.9153% | 1,016 |
Net loans and leases to deposits | 80.3081% | 1,365 |
Net loans and leases to core deposits | 90.6765% | 1,080 |
Total domestic deposits to total assets | 90.7944% | 1,341 |
Equity capital to assets | 8.4796% | 2,782 |
Core capital (leverage) ratio | 9.0959% | 3,352 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $533,869,333 | 1,672 |
Average earning assets | $502,636,667 | 1,651 |
Average equity | $46,811,333 | 1,768 |
Average total loans | $394,757,667 | 1,397 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0556% | 692 |
Cost of funding earning assets | 0.3846% | 956 |
Net interest margin | 3.6710% | 788 |
Noninterest income to average assets | 0.3621% | 2,923 |
Noninterest expense to average assets | 2.0309% | 3,351 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.3544% | 895 |
Return on assets (ROA) | 1.3544% | 882 |
Pretax return on assets | 1.7870% | 561 |
Return on Equity (ROE) | 15.1884% | 619 |
Retained earnings to average equity (ytd only) | 15.1884% | 277 |
Net charge-offs to loans | -0.0419% | 4,199 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.1944% | 4,109 |
Assets per employee ($millions) | 8.2634% | 1,222 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1593% | 3,058 |
Loan loss allowance to noncurrent loans | 5,053.3333% | 259 |
Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,891 |
Noncurrent loans to loans | 0.0229% | 3,828 |
Net loans and leases to total assets | 72.1922% | 816 |
Net loans and leases to deposits | 79.7558% | 1,166 |
Net loans and leases to core deposits | 89.5760% | 943 |
Total domestic deposits to total assets | 90.5165% | 1,286 |
Equity capital to assets | 8.7883% | 2,890 |
Core capital (leverage) ratio | 9.2686% | 3,047 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $528,050,500 | 1,690 |
Average earning assets | $497,088,500 | 1,676 |
Average equity | $47,088,500 | 1,812 |
Average total loans | $390,982,000 | 1,397 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1713% | 1,044 |
Cost of funding earning assets | 0.5303% | 791 |
Net interest margin | 3.6410% | 1,360 |
Noninterest income to average assets | 0.4000% | 3,048 |
Noninterest expense to average assets | 2.1011% | 3,385 |
Loan and lease loss provision to assets | 0.0399% | 2,244 |
Net operating income to assets | 1.2804% | 1,659 |
Return on assets (ROA) | 1.2811% | 1,712 |
Pretax return on assets | 1.6794% | 1,202 |
Return on Equity (ROE) | 14.2237% | 1,122 |
Retained earnings to average equity (ytd only) | 9.7850% | 973 |
Net charge-offs to loans | 0.0346% | 1,545 |
Credit loss provision to net charge-offs | 158.7302% | 1,457 |
Earnings coverage of net charge-offs (x) | 68.4048% | 1,090 |
Efficiency ratio | 55.0086% | 3,820 |
Assets per employee ($millions) | 8.1090% | 1,274 |
Cash dividends to net income (ytd only)* | 31.2062% | 2,486 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1567% | 3,092 |
Loan loss allowance to noncurrent loans | 4,898.9130% | 255 |
Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,965 |
Noncurrent loans to loans | 0.0236% | 3,901 |
Net loans and leases to total assets | 74.2128% | 648 |
Net loans and leases to deposits | 82.1472% | 1,054 |
Net loans and leases to core deposits | 92.3413% | 860 |
Total domestic deposits to total assets | 90.3412% | 784 |
Equity capital to assets | 9.0510% | 3,568 |
Core capital (leverage) ratio | 9.1186% | 3,269 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $501,538,200 | 1,694 |
Average earning assets | $471,049,000 | 1,683 |
Average equity | $45,171,000 | 1,915 |
Average total loans | $364,426,200 | 1,480 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1455% | 1,194 |
Cost of funding earning assets | 0.5661% | 761 |
Net interest margin | 3.5794% | 1,650 |
Noninterest income to average assets | 0.4031% | 3,066 |
Noninterest expense to average assets | 2.0314% | 3,583 |
Loan and lease loss provision to assets | 0.0537% | 1,909 |
Net operating income to assets | 1.2805% | 1,883 |
Return on assets (ROA) | 1.2813% | 1,941 |
Pretax return on assets | 1.6766% | 1,468 |
Return on Equity (ROE) | 14.2452% | 1,327 |
Retained earnings to average equity (ytd only) | 11.2190% | 1,006 |
Net charge-offs to loans | 0.0078% | 2,024 |
Credit loss provision to net charge-offs | 952.3810% | 525 |
Earnings coverage of net charge-offs (x) | 307.0476% | 427 |
Efficiency ratio | 54.0184% | 3,812 |
Assets per employee ($millions) | 7.7814% | 1,391 |
Cash dividends to net income (ytd only)* | 21.2432% | 2,491 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2382% | 2,806 |
Loan loss allowance to noncurrent loans | 2,217.3077% | 430 |
Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,881 |
Noncurrent loans to loans | 0.0558% | 3,827 |
Net loans and leases to total assets | 72.7308% | 805 |
Net loans and leases to deposits | 80.7520% | 1,214 |
Net loans and leases to core deposits | 91.3622% | 957 |
Total domestic deposits to total assets | 90.0669% | 744 |
Equity capital to assets | 9.2202% | 3,634 |
Core capital (leverage) ratio | 9.1836% | 3,351 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $497,178,000 | 1,720 |
Average earning assets | $466,354,500 | 1,709 |
Average equity | $44,720,500 | 1,955 |
Average total loans | $358,118,750 | 1,523 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1229% | 1,307 |
Cost of funding earning assets | 0.6057% | 725 |
Net interest margin | 3.5171% | 1,812 |
Noninterest income to average assets | 0.4022% | 3,101 |
Noninterest expense to average assets | 2.0020% | 3,694 |
Loan and lease loss provision to assets | 0.0708% | 1,637 |
Net operating income to assets | 1.2473% | 2,027 |
Return on assets (ROA) | 1.2486% | 2,090 |
Pretax return on assets | 1.6294% | 1,656 |
Return on Equity (ROE) | 14.0011% | 1,412 |
Retained earnings to average equity (ytd only) | 9.3961% | 1,591 |
Net charge-offs to loans | 0.0028% | 2,092 |
Credit loss provision to net charge-offs | 3,500.0000% | 185 |
Earnings coverage of net charge-offs (x) | 839.6000% | 164 |
Efficiency ratio | 54.1002% | 3,790 |
Assets per employee ($millions) | 7.9225% | 1,249 |
Cash dividends to net income (ytd only)* | 32.8905% | 1,922 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2933% | 2,472 |
Loan loss allowance to noncurrent loans | 2,111.4679% | 401 |
Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,967 |
Noncurrent loans to loans | 0.0613% | 3,876 |
Net loans and leases to total assets | 69.2847% | 1,288 |
Net loans and leases to deposits | 76.6419% | 1,762 |
Net loans and leases to core deposits | 87.9585% | 1,265 |
Total domestic deposits to total assets | 90.4006% | 600 |
Equity capital to assets | 8.8610% | 3,922 |
Core capital (leverage) ratio | 8.7879% | 3,708 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1435% | 2,667 |
Memoranda: | ||
Average total assets | $494,306,000 | 1,725 |
Average earning assets | $463,561,000 | 1,714 |
Average equity | $44,082,333 | 1,965 |
Average total loans | $353,331,667 | 1,546 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1546% | 1,278 |
Cost of funding earning assets | 0.6524% | 680 |
Net interest margin | 3.5022% | 1,819 |
Noninterest income to average assets | 0.3755% | 3,219 |
Noninterest expense to average assets | 2.0117% | 3,679 |
Loan and lease loss provision to assets | 0.0820% | 1,581 |
Net operating income to assets | 1.2002% | 2,145 |
Return on assets (ROA) | 1.2002% | 2,223 |
Pretax return on assets | 1.5600% | 1,829 |
Return on Equity (ROE) | 13.4130% | 1,567 |
Retained earnings to average equity (ytd only) | 13.4130% | 831 |
Net charge-offs to loans | -0.0148% | 3,851 |
Credit loss provision to net charge-offs | -769.2308% | 3,286 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.0595% | 3,658 |
Assets per employee ($millions) | 7.9625% | 1,213 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2777% | 2,534 |
Loan loss allowance to noncurrent loans | 2,020.4444% | 369 |
Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,053 |
Noncurrent loans to loans | 0.0632% | 3,971 |
Net loans and leases to total assets | 70.0202% | 1,285 |
Net loans and leases to deposits | 78.2255% | 1,696 |
Net loans and leases to core deposits | 89.9667% | 1,234 |
Total domestic deposits to total assets | 89.5108% | 1,064 |
Equity capital to assets | 8.8458% | 3,837 |
Core capital (leverage) ratio | 9.0959% | 3,505 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5722% | 2,460 |
Memoranda: | ||
Average total assets | $487,939,000 | 1,733 |
Average earning assets | $456,747,500 | 1,723 |
Average equity | $43,659,000 | 1,959 |
Average total loans | $352,045,500 | 1,559 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4359% | 1,479 |
Cost of funding earning assets | 0.9202% | 802 |
Net interest margin | 3.5156% | 2,426 |
Noninterest income to average assets | 0.4227% | 3,005 |
Noninterest expense to average assets | 2.1069% | 3,923 |
Loan and lease loss provision to assets | 0.1675% | 2,287 |
Net operating income to assets | 1.1160% | 1,857 |
Return on assets (ROA) | 1.1170% | 1,969 |
Pretax return on assets | 1.4438% | 1,531 |
Return on Equity (ROE) | 12.6575% | 1,134 |
Retained earnings to average equity (ytd only) | 8.2043% | 994 |
Net charge-offs to loans | 0.1174% | 1,314 |
Credit loss provision to net charge-offs | 201.0256% | 2,157 |
Earnings coverage of net charge-offs (x) | 19.3179% | 1,985 |
Efficiency ratio | 56.6837% | 3,898 |
Assets per employee ($millions) | 7.6490% | 1,192 |
Cash dividends to net income (ytd only)* | 35.1827% | 2,606 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2728% | 2,555 |
Loan loss allowance to noncurrent loans | 1,824.2798% | 419 |
Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,085 |
Noncurrent loans to loans | 0.0698% | 4,017 |
Net loans and leases to total assets | 72.5084% | 1,225 |
Net loans and leases to deposits | 81.2758% | 1,732 |
Net loans and leases to core deposits | 93.9915% | 1,250 |
Total domestic deposits to total assets | 89.2128% | 890 |
Equity capital to assets | 9.0553% | 4,009 |
Core capital (leverage) ratio | 8.9531% | 3,749 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7552% | 2,711 |
Memoranda: | ||
Average total assets | $467,929,400 | 1,640 |
Average earning assets | $438,471,000 | 1,632 |
Average equity | $41,295,600 | 1,981 |
Average total loans | $332,223,800 | 1,570 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4305% | 1,763 |
Cost of funding earning assets | 0.9682% | 852 |
Net interest margin | 3.4622% | 2,711 |
Noninterest income to average assets | 0.3408% | 3,436 |
Noninterest expense to average assets | 1.9933% | 4,160 |
Loan and lease loss provision to assets | 0.1115% | 2,929 |
Net operating income to assets | 1.1456% | 1,835 |
Return on assets (ROA) | 1.1467% | 1,947 |
Pretax return on assets | 1.4812% | 1,486 |
Return on Equity (ROE) | 13.0807% | 1,087 |
Retained earnings to average equity (ytd only) | 10.0837% | 746 |
Net charge-offs to loans | 0.0593% | 1,760 |
Credit loss provision to net charge-offs | 267.1233% | 1,865 |
Earnings coverage of net charge-offs (x) | 38.1233% | 1,401 |
Efficiency ratio | 55.6070% | 3,972 |
Assets per employee ($millions) | 7.5299% | 1,192 |
Cash dividends to net income (ytd only)* | 22.9120% | 2,664 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2470% | 2,407 |
Loan loss allowance to noncurrent loans | 667.1340% | 844 |
Noncurrent assets plus other real estate owned to assets | 0.1615% | 3,611 |
Noncurrent loans to loans | 0.1869% | 3,643 |
Net loans and leases to total assets | 71.4999% | 1,742 |
Net loans and leases to deposits | 80.1841% | 2,295 |
Net loans and leases to core deposits | 93.1118% | 1,702 |
Total domestic deposits to total assets | 89.1697% | 697 |
Equity capital to assets | 8.9886% | 4,130 |
Core capital (leverage) ratio | 8.8723% | 3,891 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7809% | 2,691 |
Memoranda: | ||
Average total assets | $466,351,750 | 1,632 |
Average earning assets | $436,931,500 | 1,616 |
Average equity | $40,883,500 | 1,979 |
Average total loans | $328,205,500 | 1,579 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4602% | 2,034 |
Cost of funding earning assets | 1.0173% | 936 |
Net interest margin | 3.4429% | 2,967 |
Noninterest income to average assets | 0.3295% | 3,497 |
Noninterest expense to average assets | 1.9768% | 4,276 |
Loan and lease loss provision to assets | 0.1035% | 2,977 |
Net operating income to assets | 1.1448% | 1,823 |
Return on assets (ROA) | 1.1465% | 1,941 |
Pretax return on assets | 1.4791% | 1,503 |
Return on Equity (ROE) | 13.1917% | 1,060 |
Retained earnings to average equity (ytd only) | 8.6307% | 1,123 |
Net charge-offs to loans | 0.0823% | 1,427 |
Credit loss provision to net charge-offs | 180.4511% | 1,992 |
Earnings coverage of net charge-offs (x) | 27.5489% | 1,487 |
Efficiency ratio | 55.5717% | 3,995 |
Assets per employee ($millions) | 7.9042% | 1,007 |
Cash dividends to net income (ytd only)* | 34.5749% | 2,159 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2234% | 2,392 |
Loan loss allowance to noncurrent loans | 557.2581% | 920 |
Noncurrent assets plus other real estate owned to assets | 0.1771% | 3,648 |
Noncurrent loans to loans | 0.2195% | 3,595 |
Net loans and leases to total assets | 68.3092% | 2,299 |
Net loans and leases to deposits | 76.0620% | 2,854 |
Net loans and leases to core deposits | 87.2165% | 2,327 |
Total domestic deposits to total assets | 89.8072% | 454 |
Equity capital to assets | 8.4395% | 4,512 |
Core capital (leverage) ratio | 8.7952% | 4,119 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4672% | 2,832 |
Memoranda: | ||
Average total assets | $463,675,333 | 1,615 |
Average earning assets | $434,692,000 | 1,596 |
Average equity | $40,298,000 | 1,988 |
Average total loans | $323,119,000 | 1,581 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7189% | 1,657 |
Cost of funding earning assets | 1.1055% | 1,030 |
Net interest margin | 3.6134% | 2,621 |
Noninterest income to average assets | 0.2966% | 3,743 |
Noninterest expense to average assets | 1.9490% | 4,493 |
Loan and lease loss provision to assets | 0.0799% | 2,714 |
Net operating income to assets | 1.2739% | 1,312 |
Return on assets (ROA) | 1.2760% | 1,407 |
Pretax return on assets | 1.6516% | 946 |
Return on Equity (ROE) | 14.4540% | 617 |
Retained earnings to average equity (ytd only) | 14.4540% | 223 |
Net charge-offs to loans | 0.0140% | 2,104 |
Credit loss provision to net charge-offs | 818.1818% | 656 |
Earnings coverage of net charge-offs (x) | 177.0000% | 374 |
Efficiency ratio | 52.9937% | 4,470 |
Assets per employee ($millions) | 7.6855% | 835 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3034% | 2,134 |
Loan loss allowance to noncurrent loans | 634.5146% | 785 |
Noncurrent assets plus other real estate owned to assets | 0.1963% | 3,704 |
Noncurrent loans to loans | 0.2054% | 3,748 |
Net loans and leases to total assets | 68.7653% | 2,422 |
Net loans and leases to deposits | 77.0815% | 2,969 |
Net loans and leases to core deposits | 90.0351% | 2,338 |
Total domestic deposits to total assets | 89.2113% | 579 |
Equity capital to assets | 8.8613% | 4,669 |
Core capital (leverage) ratio | 8.9743% | 4,484 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2490% | 2,593 |
Memoranda: | ||
Average total assets | $450,481,500 | 1,609 |
Average earning assets | $421,540,000 | 1,596 |
Average equity | $39,767,500 | 1,991 |
Average total loans | $315,226,500 | 1,574 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8244% | 1,972 |
Cost of funding earning assets | 1.0770% | 1,414 |
Net interest margin | 3.7474% | 2,666 |
Noninterest income to average assets | 0.3272% | 3,742 |
Noninterest expense to average assets | 2.0591% | 4,429 |
Loan and lease loss provision to assets | 0.1300% | 1,651 |
Net operating income to assets | 1.2929% | 1,719 |
Return on assets (ROA) | 1.2931% | 1,797 |
Pretax return on assets | 1.6730% | 1,263 |
Return on Equity (ROE) | 14.8069% | 729 |
Retained earnings to average equity (ytd only) | 9.9174% | 508 |
Net charge-offs to loans | 0.0066% | 3,442 |
Credit loss provision to net charge-offs | 2,800.0000% | 142 |
Earnings coverage of net charge-offs (x) | 388.2000% | 234 |
Efficiency ratio | 53.3189% | 4,491 |
Assets per employee ($millions) | 7.7158% | 794 |
Cash dividends to net income (ytd only)* | 33.0221% | 2,942 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2842% | 2,008 |
Loan loss allowance to noncurrent loans | 1,529.9242% | 397 |
Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,850 |
Noncurrent loans to loans | 0.0839% | 4,182 |
Net loans and leases to total assets | 69.3789% | 2,494 |
Net loans and leases to deposits | 77.5810% | 3,052 |
Net loans and leases to core deposits | 90.7442% | 2,354 |
Total domestic deposits to total assets | 89.4277% | 516 |
Equity capital to assets | 8.7938% | 4,789 |
Core capital (leverage) ratio | 8.9294% | 4,575 |
Tier 1 risk-based capital ratio | 11.6739% | 4,539 |
Total risk-based capital ratio | 12.8884% | 4,444 |
Memoranda: | ||
Average total assets | $430,664,000 | 1,624 |
Average earning assets | $406,225,400 | 1,596 |
Average equity | $37,610,800 | 2,023 |
Average total loans | $304,685,400 | 1,586 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8380% | 2,006 |
Cost of funding earning assets | 1.0581% | 1,509 |
Net interest margin | 3.7799% | 2,656 |
Noninterest income to average assets | 0.3273% | 3,786 |
Noninterest expense to average assets | 2.0375% | 4,482 |
Loan and lease loss provision to assets | 0.0844% | 2,219 |
Net operating income to assets | 1.3698% | 1,575 |
Return on assets (ROA) | 1.3700% | 1,638 |
Pretax return on assets | 1.7743% | 1,150 |
Return on Equity (ROE) | 15.7163% | 657 |
Retained earnings to average equity (ytd only) | 12.4202% | 339 |
Net charge-offs to loans | -0.0009% | 3,993 |
Credit loss provision to net charge-offs | -13,500.0000% | 4,687 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.2992% | 4,575 |
Assets per employee ($millions) | 7.3290% | 903 |
Cash dividends to net income (ytd only)* | 20.9721% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2339% | 2,316 |
Loan loss allowance to noncurrent loans | 1,604.6809% | 397 |
Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,954 |
Noncurrent loans to loans | 0.0769% | 4,297 |
Net loans and leases to total assets | 69.8046% | 2,500 |
Net loans and leases to deposits | 78.5750% | 3,046 |
Net loans and leases to core deposits | 92.9113% | 2,277 |
Total domestic deposits to total assets | 88.8381% | 677 |
Equity capital to assets | 9.0463% | 4,760 |
Core capital (leverage) ratio | 9.0856% | 4,568 |
Tier 1 risk-based capital ratio | 12.2294% | 4,294 |
Total risk-based capital ratio | 13.4260% | 4,212 |
Memoranda: | ||
Average total assets | $426,450,500 | 1,650 |
Average earning assets | $402,611,750 | 1,614 |
Average equity | $37,175,000 | 2,054 |
Average total loans | $302,226,250 | 1,607 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8001% | 2,058 |
Cost of funding earning assets | 1.0257% | 1,582 |
Net interest margin | 3.7744% | 2,672 |
Noninterest income to average assets | 0.3190% | 3,793 |
Noninterest expense to average assets | 2.0369% | 4,540 |
Loan and lease loss provision to assets | 0.0848% | 2,145 |
Net operating income to assets | 1.3651% | 1,528 |
Return on assets (ROA) | 1.3655% | 1,586 |
Pretax return on assets | 1.7679% | 1,126 |
Return on Equity (ROE) | 15.8674% | 612 |
Retained earnings to average equity (ytd only) | 10.8356% | 573 |
Net charge-offs to loans | -0.0086% | 4,280 |
Credit loss provision to net charge-offs | -1,384.6154% | 4,312 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.3746% | 4,623 |
Assets per employee ($millions) | 7.2559% | 897 |
Cash dividends to net income (ytd only)* | 31.7115% | 2,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2205% | 2,416 |
Loan loss allowance to noncurrent loans | 1,519.3416% | 419 |
Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,965 |
Noncurrent loans to loans | 0.0803% | 4,321 |
Net loans and leases to total assets | 69.8015% | 2,553 |
Net loans and leases to deposits | 78.1805% | 3,137 |
Net loans and leases to core deposits | 89.5523% | 2,631 |
Total domestic deposits to total assets | 89.2826% | 546 |
Equity capital to assets | 8.7779% | 4,913 |
Core capital (leverage) ratio | 8.6378% | 4,887 |
Tier 1 risk-based capital ratio | 12.0526% | 4,385 |
Total risk-based capital ratio | 13.2533% | 4,302 |
Memoranda: | ||
Average total assets | $424,464,000 | 1,661 |
Average earning assets | $401,495,000 | 1,625 |
Average equity | $36,527,670 | 2,081 |
Average total loans | $301,097,330 | 1,621 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7393% | 2,085 |
Cost of funding earning assets | 0.9756% | 1,677 |
Net interest margin | 3.7636% | 2,658 |
Noninterest income to average assets | 0.3114% | 3,782 |
Noninterest expense to average assets | 2.0320% | 4,586 |
Loan and lease loss provision to assets | 0.0852% | 2,000 |
Net operating income to assets | 1.3583% | 1,498 |
Return on assets (ROA) | 1.3591% | 1,532 |
Pretax return on assets | 1.7584% | 1,080 |
Return on Equity (ROE) | 15.9544% | 595 |
Retained earnings to average equity (ytd only) | 15.9544% | 226 |
Net charge-offs to loans | 0.0013% | 2,714 |
Credit loss provision to net charge-offs | 9,000.0000% | 25 |
Earnings coverage of net charge-offs (x) | 1,947.0000% | 16 |
Efficiency ratio | 52.4426% | 4,666 |
Assets per employee ($millions) | 7.2278% | 903 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1983% | 2,589 |
Loan loss allowance to noncurrent loans | 1,013.5593% | 597 |
Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,257 |
Noncurrent loans to loans | 0.1182% | 4,211 |
Net loans and leases to total assets | 68.2171% | 2,729 |
Net loans and leases to deposits | 76.1248% | 3,249 |
Net loans and leases to core deposits | 86.7443% | 2,798 |
Total domestic deposits to total assets | 89.6121% | 594 |
Equity capital to assets | 8.4910% | 4,993 |
Core capital (leverage) ratio | 8.6716% | 4,896 |
Tier 1 risk-based capital ratio | 11.8393% | 4,544 |
Total risk-based capital ratio | 13.0026% | 4,491 |
Memoranda: | ||
Average total assets | $422,647,000 | 1,673 |
Average earning assets | $400,145,000 | 1,636 |
Average equity | $36,002,500 | 2,096 |
Average total loans | $300,390,500 | 1,633 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7671% | 1,615 |
Cost of funding earning assets | 0.7821% | 1,630 |
Net interest margin | 3.9850% | 2,041 |
Noninterest income to average assets | 0.3474% | 3,785 |
Noninterest expense to average assets | 2.2052% | 4,329 |
Loan and lease loss provision to assets | 0.1256% | 1,749 |
Net operating income to assets | 1.3808% | 1,497 |
Return on assets (ROA) | 1.3827% | 1,482 |
Pretax return on assets | 1.7730% | 988 |
Return on Equity (ROE) | 15.6813% | 690 |
Retained earnings to average equity (ytd only) | 10.2247% | 589 |
Net charge-offs to loans | 0.0110% | 3,311 |
Credit loss provision to net charge-offs | 1,548.3871% | 270 |
Earnings coverage of net charge-offs (x) | 233.8065% | 399 |
Efficiency ratio | 53.7667% | 4,639 |
Assets per employee ($millions) | 7.2215% | 890 |
Cash dividends to net income (ytd only)* | 34.7966% | 2,800 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1611% | 2,765 |
Loan loss allowance to noncurrent loans | 1,066.7683% | 584 |
Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,285 |
Noncurrent loans to loans | 0.1088% | 4,239 |
Net loans and leases to total assets | 72.3614% | 2,199 |
Net loans and leases to deposits | 80.7271% | 2,882 |
Net loans and leases to core deposits | 92.4990% | 2,366 |
Total domestic deposits to total assets | 89.6371% | 607 |
Equity capital to assets | 8.5471% | 4,899 |
Core capital (leverage) ratio | 8.7543% | 4,842 |
Tier 1 risk-based capital ratio | 11.0937% | 4,928 |
Total risk-based capital ratio | 12.2001% | 4,889 |
Memoranda: | ||
Average total assets | $382,226,200 | 1,792 |
Average earning assets | $360,070,800 | 1,769 |
Average equity | $33,702,600 | 2,127 |
Average total loans | $281,877,400 | 1,668 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7489% | 1,551 |
Cost of funding earning assets | 0.7243% | 1,724 |
Net interest margin | 4.0246% | 1,876 |
Noninterest income to average assets | 0.3574% | 3,740 |
Noninterest expense to average assets | 2.2154% | 4,285 |
Loan and lease loss provision to assets | 0.0676% | 2,629 |
Net operating income to assets | 1.4422% | 1,352 |
Return on assets (ROA) | 1.4447% | 1,346 |
Pretax return on assets | 1.8640% | 871 |
Return on Equity (ROE) | 16.2479% | 654 |
Retained earnings to average equity (ytd only) | 12.5719% | 408 |
Net charge-offs to loans | -0.0005% | 3,990 |
Credit loss provision to net charge-offs | -19,000.0000% | 4,931 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.4632% | 4,660 |
Assets per employee ($millions) | 6.7348% | 1,061 |
Cash dividends to net income (ytd only)* | 22.6243% | 2,901 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1256% | 3,048 |
Loan loss allowance to noncurrent loans | 861.9681% | 678 |
Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,323 |
Noncurrent loans to loans | 0.1306% | 4,297 |
Net loans and leases to total assets | 72.8862% | 2,190 |
Net loans and leases to deposits | 81.9444% | 2,825 |
Net loans and leases to core deposits | 94.7337% | 2,230 |
Total domestic deposits to total assets | 88.9459% | 865 |
Equity capital to assets | 8.8865% | 4,652 |
Core capital (leverage) ratio | 9.0883% | 4,621 |
Tier 1 risk-based capital ratio | 11.2932% | 4,901 |
Total risk-based capital ratio | 12.3458% | 4,885 |
Memoranda: | ||
Average total assets | $374,876,750 | 1,820 |
Average earning assets | $352,689,000 | 1,804 |
Average equity | $33,332,750 | 2,144 |
Average total loans | $277,007,750 | 1,694 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6903% | 1,529 |
Cost of funding earning assets | 0.6620% | 1,861 |
Net interest margin | 4.0283% | 1,770 |
Noninterest income to average assets | 0.3555% | 3,789 |
Noninterest expense to average assets | 2.2309% | 4,297 |
Loan and lease loss provision to assets | 0.0649% | 2,597 |
Net operating income to assets | 1.4376% | 1,317 |
Return on assets (ROA) | 1.4414% | 1,308 |
Pretax return on assets | 1.8575% | 866 |
Return on Equity (ROE) | 16.2078% | 631 |
Retained earnings to average equity (ytd only) | 10.6166% | 762 |
Net charge-offs to loans | 0.0124% | 2,718 |
Credit loss provision to net charge-offs | 705.8824% | 552 |
Earnings coverage of net charge-offs (x) | 208.4706% | 410 |
Efficiency ratio | 53.7759% | 4,716 |
Assets per employee ($millions) | 6.5651% | 1,146 |
Cash dividends to net income (ytd only)* | 34.4970% | 2,383 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1165% | 3,166 |
Loan loss allowance to noncurrent loans | 1,146.5455% | 530 |
Noncurrent assets plus other real estate owned to assets | 0.1048% | 4,470 |
Noncurrent loans to loans | 0.0974% | 4,478 |
Net loans and leases to total assets | 73.3372% | 2,066 |
Net loans and leases to deposits | 82.4164% | 2,724 |
Net loans and leases to core deposits | 94.7686% | 2,154 |
Total domestic deposits to total assets | 88.9838% | 941 |
Equity capital to assets | 8.8013% | 4,717 |
Core capital (leverage) ratio | 8.9102% | 4,766 |
Tier 1 risk-based capital ratio | 10.9660% | 5,069 |
Total risk-based capital ratio | 12.0021% | 5,065 |
Memoranda: | ||
Average total assets | $369,630,330 | 1,844 |
Average earning assets | $348,036,670 | 1,826 |
Average equity | $32,873,000 | 2,176 |
Average total loans | $273,361,670 | 1,718 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6249% | 1,498 |
Cost of funding earning assets | 0.6083% | 2,003 |
Net interest margin | 4.0167% | 1,671 |
Noninterest income to average assets | 0.3769% | 3,611 |
Noninterest expense to average assets | 2.2557% | 4,274 |
Loan and lease loss provision to assets | 0.0659% | 2,453 |
Net operating income to assets | 1.4321% | 1,248 |
Return on assets (ROA) | 1.4338% | 1,251 |
Pretax return on assets | 1.8448% | 836 |
Return on Equity (ROE) | 16.0354% | 614 |
Retained earnings to average equity (ytd only) | 16.0354% | 247 |
Net charge-offs to loans | -0.0060% | 4,064 |
Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.1689% | 4,784 |
Assets per employee ($millions) | 6.4292% | 1,241 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1564% | 3,060 |
Loan loss allowance to noncurrent loans | 1,549.2537% | 418 |
Noncurrent assets plus other real estate owned to assets | 0.0960% | 4,611 |
Noncurrent loans to loans | 0.0746% | 4,650 |
Net loans and leases to total assets | 71.3804% | 2,275 |
Net loans and leases to deposits | 78.9867% | 2,920 |
Net loans and leases to core deposits | 93.9270% | 2,146 |
Total domestic deposits to total assets | 90.3702% | 512 |
Equity capital to assets | 8.8765% | 4,686 |
Core capital (leverage) ratio | 9.1353% | 4,526 |
Tier 1 risk-based capital ratio | 11.1190% | 5,074 |
Total risk-based capital ratio | 12.1702% | 5,083 |
Memoranda: | ||
Average total assets | $364,058,500 | 1,880 |
Average earning assets | $343,270,000 | 1,859 |
Average equity | $32,553,000 | 2,203 |
Average total loans | $268,841,500 | 1,749 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5783% | 1,491 |
Cost of funding earning assets | 0.5375% | 2,055 |
Net interest margin | 4.0408% | 1,621 |
Noninterest income to average assets | 0.3228% | 4,159 |
Noninterest expense to average assets | 2.2023% | 4,527 |
Loan and lease loss provision to assets | 0.0940% | 2,326 |
Net operating income to assets | 1.1335% | 1,741 |
Return on assets (ROA) | 1.1348% | 1,768 |
Pretax return on assets | 1.8348% | 724 |
Return on Equity (ROE) | 12.6452% | 1,041 |
Retained earnings to average equity (ytd only) | -0.2984% | 5,084 |
Net charge-offs to loans | 0.1108% | 1,957 |
Credit loss provision to net charge-offs | 116.6078% | 2,238 |
Earnings coverage of net charge-offs (x) | 23.8975% | 1,785 |
Efficiency ratio | 53.3361% | 5,005 |
Assets per employee ($millions) | 6.1245% | 1,430 |
Cash dividends to net income (ytd only)* | 102.3600% | 323 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1364% | 3,138 |
Loan loss allowance to noncurrent loans | 719.3396% | 826 |
Noncurrent assets plus other real estate owned to assets | 0.1636% | 4,324 |
Noncurrent loans to loans | 0.1580% | 4,295 |
Net loans and leases to total assets | 74.6984% | 1,809 |
Net loans and leases to deposits | 82.7063% | 2,641 |
Net loans and leases to core deposits | 96.4197% | 1,993 |
Total domestic deposits to total assets | 90.3176% | 462 |
Equity capital to assets | 9.0101% | 4,714 |
Core capital (leverage) ratio | 8.9396% | 4,717 |
Tier 1 risk-based capital ratio | 10.9585% | 5,172 |
Total risk-based capital ratio | 12.0144% | 5,160 |
Memoranda: | ||
Average total assets | $350,989,000 | 1,912 |
Average earning assets | $330,624,000 | 1,890 |
Average equity | $31,498,000 | 2,253 |
Average total loans | $255,525,200 | 1,787 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5300% | 1,559 |
Cost of funding earning assets | 0.5263% | 2,066 |
Net interest margin | 4.0037% | 1,687 |
Noninterest income to average assets | 0.3094% | 4,312 |
Noninterest expense to average assets | 2.2126% | 4,498 |
Loan and lease loss provision to assets | 0.0514% | 3,069 |
Net operating income to assets | 1.2418% | 1,541 |
Return on assets (ROA) | 1.2429% | 1,562 |
Pretax return on assets | 1.8209% | 839 |
Return on Equity (ROE) | 13.8638% | 863 |
Retained earnings to average equity (ytd only) | -0.4548% | 5,283 |
Net charge-offs to loans | 0.0174% | 3,154 |
Credit loss provision to net charge-offs | 409.0909% | 757 |
Earnings coverage of net charge-offs (x) | 148.7841% | 541 |
Efficiency ratio | 54.1849% | 4,924 |
Assets per employee ($millions) | 6.2847% | 1,315 |
Cash dividends to net income (ytd only)* | 103.2804% | 281 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1666% | 3,112 |
Loan loss allowance to noncurrent loans | 1,457.7465% | 450 |
Noncurrent assets plus other real estate owned to assets | 0.1033% | 4,722 |
Noncurrent loans to loans | 0.0800% | 4,753 |
Net loans and leases to total assets | 73.4325% | 2,017 |
Net loans and leases to deposits | 81.5500% | 2,824 |
Net loans and leases to core deposits | 94.3215% | 2,242 |
Total domestic deposits to total assets | 90.0460% | 457 |
Equity capital to assets | 8.9566% | 4,948 |
Core capital (leverage) ratio | 8.9560% | 4,790 |
Tier 1 risk-based capital ratio | 11.0564% | 5,209 |
Total risk-based capital ratio | 12.1413% | 5,196 |
Memoranda: | ||
Average total assets | $349,930,750 | 1,927 |
Average earning assets | $329,850,500 | 1,906 |
Average equity | $31,371,000 | 2,276 |
Average total loans | $252,307,750 | 1,813 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4573% | 1,636 |
Cost of funding earning assets | 0.5179% | 2,032 |
Net interest margin | 3.9395% | 1,807 |
Noninterest income to average assets | 0.2984% | 4,401 |
Noninterest expense to average assets | 2.2024% | 4,559 |
Loan and lease loss provision to assets | 0.0518% | 2,948 |
Net operating income to assets | 1.2042% | 1,586 |
Return on assets (ROA) | 1.2058% | 1,611 |
Pretax return on assets | 1.7628% | 914 |
Return on Equity (ROE) | 13.4455% | 938 |
Retained earnings to average equity (ytd only) | -8.1971% | 5,615 |
Net charge-offs to loans | 0.0186% | 2,876 |
Credit loss provision to net charge-offs | 391.3043% | 795 |
Earnings coverage of net charge-offs (x) | 136.7826% | 533 |
Efficiency ratio | 54.8572% | 4,937 |
Assets per employee ($millions) | 6.2578% | 1,282 |
Cash dividends to net income (ytd only)* | 160.9651% | 126 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2197% | 2,897 |
Loan loss allowance to noncurrent loans | 1,401.8265% | 453 |
Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,778 |
Noncurrent loans to loans | 0.0870% | 4,782 |
Net loans and leases to total assets | 69.7064% | 2,568 |
Net loans and leases to deposits | 77.0158% | 3,215 |
Net loans and leases to core deposits | 89.4009% | 2,581 |
Total domestic deposits to total assets | 90.5093% | 356 |
Equity capital to assets | 8.6769% | 5,169 |
Core capital (leverage) ratio | 8.6794% | 5,062 |
Tier 1 risk-based capital ratio | 11.2525% | 5,115 |
Total risk-based capital ratio | 12.3858% | 5,068 |
Memoranda: | ||
Average total assets | $347,165,330 | 1,937 |
Average earning assets | $327,507,330 | 1,920 |
Average equity | $31,133,000 | 2,283 |
Average total loans | $247,690,330 | 1,840 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4049% | 1,634 |
Cost of funding earning assets | 0.5069% | 2,031 |
Net interest margin | 3.8980% | 1,784 |
Noninterest income to average assets | 0.2815% | 4,537 |
Noninterest expense to average assets | 2.2278% | 4,578 |
Loan and lease loss provision to assets | 0.0526% | 2,761 |
Net operating income to assets | 1.1519% | 1,659 |
Return on assets (ROA) | 1.1519% | 1,695 |
Pretax return on assets | 1.6752% | 1,059 |
Return on Equity (ROE) | 12.6311% | 1,078 |
Retained earnings to average equity (ytd only) | -21.4703% | 5,746 |
Net charge-offs to loans | 0.0163% | 2,469 |
Credit loss provision to net charge-offs | 450.0000% | 606 |
Earnings coverage of net charge-offs (x) | 147.9000% | 369 |
Efficiency ratio | 56.3201% | 4,903 |
Assets per employee ($millions) | 6.2042% | 1,368 |
Cash dividends to net income (ytd only)* | 269.9797% | 136 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2293% | 2,943 |
Loan loss allowance to noncurrent loans | 1,088.8889% | 569 |
Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,739 |
Noncurrent loans to loans | 0.1129% | 4,745 |
Net loans and leases to total assets | 70.2542% | 2,331 |
Net loans and leases to deposits | 77.7330% | 3,007 |
Net loans and leases to core deposits | 88.1168% | 2,534 |
Total domestic deposits to total assets | 90.3789% | 521 |
Equity capital to assets | 8.7548% | 5,038 |
Core capital (leverage) ratio | 8.8641% | 4,889 |
Tier 1 risk-based capital ratio | 11.5251% | 5,012 |
Total risk-based capital ratio | 12.6890% | 4,966 |
Memoranda: | ||
Average total assets | $342,400,000 | 1,975 |
Average earning assets | $322,732,500 | 1,953 |
Average equity | $31,224,500 | 2,279 |
Average total loans | $245,680,500 | 1,860 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4986% | 1,539 |
Cost of funding earning assets | 0.4876% | 2,188 |
Net interest margin | 4.0110% | 1,608 |
Noninterest income to average assets | 0.4753% | 3,378 |
Noninterest expense to average assets | 2.3339% | 4,474 |
Loan and lease loss provision to assets | 0.1183% | 2,098 |
Net operating income to assets | 1.2784% | 1,276 |
Return on assets (ROA) | 1.3111% | 1,249 |
Pretax return on assets | 1.8355% | 725 |
Return on Equity (ROE) | 13.2050% | 950 |
Retained earnings to average equity (ytd only) | 6.1510% | 1,633 |
Net charge-offs to loans | 0.0325% | 3,372 |
Credit loss provision to net charge-offs | 520.5479% | 640 |
Earnings coverage of net charge-offs (x) | 83.9589% | 689 |
Efficiency ratio | 55.0231% | 5,149 |
Assets per employee ($millions) | 6.0244% | 1,466 |
Cash dividends to net income (ytd only)* | 53.4188% | 2,105 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2295% | 2,941 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0560% | 5,112 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 71.5048% | 2,239 |
Net loans and leases to deposits | 79.5455% | 2,936 |
Net loans and leases to core deposits | 91.3623% | 2,358 |
Total domestic deposits to total assets | 89.8917% | 688 |
Equity capital to assets | 9.4947% | 4,275 |
Core capital (leverage) ratio | 9.5103% | 4,069 |
Tier 1 risk-based capital ratio | 12.2807% | 4,517 |
Total risk-based capital ratio | 13.4425% | 4,464 |
Memoranda: | ||
Average total assets | $321,266,400 | 2,053 |
Average earning assets | $301,672,400 | 2,032 |
Average equity | $31,897,000 | 2,227 |
Average total loans | $224,288,600 | 1,951 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4748% | 1,624 |
Cost of funding earning assets | 0.4758% | 2,310 |
Net interest margin | 3.9989% | 1,655 |
Noninterest income to average assets | 0.5245% | 3,081 |
Noninterest expense to average assets | 2.3439% | 4,423 |
Loan and lease loss provision to assets | 0.0567% | 3,106 |
Net operating income to assets | 1.3531% | 1,160 |
Return on assets (ROA) | 1.3978% | 1,128 |
Pretax return on assets | 1.9371% | 652 |
Return on Equity (ROE) | 13.9175% | 840 |
Retained earnings to average equity (ytd only) | 10.7791% | 447 |
Net charge-offs to loans | 0.0243% | 3,182 |
Credit loss provision to net charge-offs | 337.5000% | 949 |
Earnings coverage of net charge-offs (x) | 114.9044% | 590 |
Efficiency ratio | 54.8216% | 5,171 |
Assets per employee ($millions) | 5.9805% | 1,449 |
Cash dividends to net income (ytd only)* | 22.5497% | 3,120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2042% | 3,212 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,199 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 69.6127% | 2,551 |
Net loans and leases to deposits | 78.0842% | 3,179 |
Net loans and leases to core deposits | 89.8392% | 2,593 |
Total domestic deposits to total assets | 89.1508% | 822 |
Equity capital to assets | 10.0861% | 4,050 |
Core capital (leverage) ratio | 10.0289% | 3,536 |
Tier 1 risk-based capital ratio | 13.1496% | 4,068 |
Total risk-based capital ratio | 14.2846% | 4,054 |
Memoranda: | ||
Average total assets | $317,241,500 | 2,079 |
Average earning assets | $297,572,750 | 2,058 |
Average equity | $31,863,250 | 2,250 |
Average total loans | $219,301,750 | 1,985 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4714% | 1,599 |
Cost of funding earning assets | 0.4621% | 2,454 |
Net interest margin | 4.0093% | 1,618 |
Noninterest income to average assets | 0.6306% | 2,461 |
Noninterest expense to average assets | 2.3808% | 4,402 |
Loan and lease loss provision to assets | 0.0574% | 2,991 |
Net operating income to assets | 1.4448% | 978 |
Return on assets (ROA) | 1.4476% | 1,026 |
Pretax return on assets | 1.9512% | 632 |
Return on Equity (ROE) | 14.4341% | 761 |
Retained earnings to average equity (ytd only) | 9.6609% | 669 |
Net charge-offs to loans | 0.0112% | 3,330 |
Credit loss provision to net charge-offs | 750.0000% | 469 |
Earnings coverage of net charge-offs (x) | 261.7500% | 261 |
Efficiency ratio | 54.2861% | 5,287 |
Assets per employee ($millions) | 5.9764% | 1,422 |
Cash dividends to net income (ytd only)* | 33.0688% | 2,714 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2450% | 3,103 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1586% | 4,872 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 68.1823% | 2,752 |
Net loans and leases to deposits | 76.2823% | 3,349 |
Net loans and leases to core deposits | 85.0094% | 2,985 |
Total domestic deposits to total assets | 89.3816% | 731 |
Equity capital to assets | 10.0086% | 4,216 |
Core capital (leverage) ratio | 9.8127% | 3,799 |
Tier 1 risk-based capital ratio | 13.2746% | 4,032 |
Total risk-based capital ratio | 14.4517% | 3,991 |
Memoranda: | ||
Average total assets | $313,346,330 | 2,108 |
Average earning assets | $293,466,330 | 2,097 |
Average equity | $31,425,670 | 2,278 |
Average total loans | $215,147,000 | 2,015 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4208% | 1,742 |
Cost of funding earning assets | 0.4454% | 2,634 |
Net interest margin | 3.9754% | 1,689 |
Noninterest income to average assets | 0.3382% | 4,315 |
Noninterest expense to average assets | 2.3288% | 4,576 |
Loan and lease loss provision to assets | 0.0583% | 2,787 |
Net operating income to assets | 1.1455% | 1,726 |
Return on assets (ROA) | 1.1482% | 1,831 |
Pretax return on assets | 1.6679% | 1,134 |
Return on Equity (ROE) | 11.4365% | 1,471 |
Retained earnings to average equity (ytd only) | 11.4365% | 586 |
Net charge-offs to loans | -0.0133% | 4,658 |
Credit loss provision to net charge-offs | -642.8571% | 4,627 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.4856% | 5,056 |
Assets per employee ($millions) | 5.9070% | 1,477 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3047% | 2,873 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,845 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 65.1668% | 3,086 |
Net loans and leases to deposits | 73.0334% | 3,547 |
Net loans and leases to core deposits | 81.2452% | 3,211 |
Total domestic deposits to total assets | 89.2288% | 982 |
Equity capital to assets | 9.8586% | 4,265 |
Core capital (leverage) ratio | 10.0496% | 3,475 |
Tier 1 risk-based capital ratio | 13.4846% | 3,987 |
Total risk-based capital ratio | 14.6934% | 3,937 |
Memoranda: | ||
Average total assets | $308,658,000 | 2,140 |
Average earning assets | $288,276,500 | 2,135 |
Average equity | $30,988,500 | 2,304 |
Average total loans | $211,313,500 | 2,040 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5531% | 1,449 |
Cost of funding earning assets | 0.3852% | 3,315 |
Net interest margin | 4.1678% | 1,238 |
Noninterest income to average assets | 0.3091% | 4,677 |
Noninterest expense to average assets | 2.4385% | 4,416 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.1869% | 1,599 |
Return on assets (ROA) | 1.2351% | 1,488 |
Pretax return on assets | 1.8250% | 766 |
Return on Equity (ROE) | 12.2310% | 1,245 |
Retained earnings to average equity (ytd only) | 7.1629% | 1,205 |
Net charge-offs to loans | 0.2438% | 1,232 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 10.2615% | 2,706 |
Efficiency ratio | 58.1624% | 5,122 |
Assets per employee ($millions) | 5.6290% | 1,682 |
Cash dividends to net income (ytd only)* | 41.4365% | 2,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2716% | 3,056 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1964% | 4,812 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 70.1605% | 2,341 |
Net loans and leases to deposits | 78.9078% | 2,952 |
Net loans and leases to core deposits | 88.4776% | 2,558 |
Total domestic deposits to total assets | 88.9145% | 1,161 |
Equity capital to assets | 10.2334% | 3,704 |
Core capital (leverage) ratio | 9.9850% | 3,532 |
Tier 1 risk-based capital ratio | 13.4114% | 4,050 |
Total risk-based capital ratio | 14.6259% | 4,011 |
Memoranda: | ||
Average total assets | $293,089,800 | 2,190 |
Average earning assets | $273,091,400 | 2,184 |
Average equity | $29,597,000 | 2,347 |
Average total loans | $205,463,200 | 2,024 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5286% | 1,514 |
Cost of funding earning assets | 0.3816% | 3,411 |
Net interest margin | 4.1470% | 1,285 |
Noninterest income to average assets | 0.3240% | 4,622 |
Noninterest expense to average assets | 2.4580% | 4,328 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.1824% | 1,711 |
Return on assets (ROA) | 1.2470% | 1,550 |
Pretax return on assets | 1.8242% | 854 |
Return on Equity (ROE) | 12.3914% | 1,270 |
Retained earnings to average equity (ytd only) | 8.9859% | 914 |
Net charge-offs to loans | 0.3245% | 819 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 7.6290% | 2,894 |
Efficiency ratio | 58.7035% | 5,043 |
Assets per employee ($millions) | 5.5367% | 1,755 |
Cash dividends to net income (ytd only)* | 27.4827% | 2,925 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3015% | 3,083 |
Loan loss allowance to noncurrent loans | 1,268.0751% | 461 |
Noncurrent assets plus other real estate owned to assets | 0.3010% | 4,564 |
Noncurrent loans to loans | 0.1026% | 5,226 |
Net loans and leases to total assets | 68.5079% | 2,601 |
Net loans and leases to deposits | 77.0175% | 3,193 |
Net loans and leases to core deposits | 87.9901% | 2,661 |
Total domestic deposits to total assets | 88.9511% | 1,049 |
Equity capital to assets | 10.1110% | 4,041 |
Core capital (leverage) ratio | 10.1226% | 3,471 |
Tier 1 risk-based capital ratio | 13.4917% | 4,144 |
Total risk-based capital ratio | 14.7215% | 4,086 |
Memoranda: | ||
Average total assets | $291,778,250 | 2,211 |
Average earning assets | $271,804,750 | 2,207 |
Average equity | $29,363,750 | 2,374 |
Average total loans | $203,826,500 | 2,053 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5041% | 1,524 |
Cost of funding earning assets | 0.3828% | 3,451 |
Net interest margin | 4.1212% | 1,299 |
Noninterest income to average assets | 0.3304% | 4,593 |
Noninterest expense to average assets | 2.4563% | 4,378 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.1716% | 1,693 |
Return on assets (ROA) | 1.2261% | 1,596 |
Pretax return on assets | 1.7935% | 906 |
Return on Equity (ROE) | 12.2029% | 1,315 |
Retained earnings to average equity (ytd only) | 7.0439% | 1,687 |
Net charge-offs to loans | 0.0099% | 3,562 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 247.9000% | 280 |
Efficiency ratio | 58.9093% | 5,121 |
Assets per employee ($millions) | 5.4776% | 1,762 |
Cash dividends to net income (ytd only)* | 42.2773% | 2,293 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5545% | 2,071 |
Loan loss allowance to noncurrent loans | 472.1481% | 1,079 |
Noncurrent assets plus other real estate owned to assets | 0.4781% | 4,020 |
Noncurrent loans to loans | 0.3292% | 4,514 |
Net loans and leases to total assets | 69.5227% | 2,401 |
Net loans and leases to deposits | 78.1988% | 3,003 |
Net loans and leases to core deposits | 89.2734% | 2,421 |
Total domestic deposits to total assets | 88.9050% | 1,183 |
Equity capital to assets | 10.0640% | 3,962 |
Core capital (leverage) ratio | 9.8594% | 3,791 |
Tier 1 risk-based capital ratio | 13.4163% | 4,268 |
Total risk-based capital ratio | 14.6694% | 4,199 |
Memoranda: | ||
Average total assets | $289,377,670 | 2,238 |
Average earning assets | $269,579,000 | 2,235 |
Average equity | $29,075,000 | 2,414 |
Average total loans | $202,593,330 | 2,064 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4470% | 1,616 |
Cost of funding earning assets | 0.3820% | 3,506 |
Net interest margin | 4.0650% | 1,372 |
Noninterest income to average assets | 0.3004% | 4,770 |
Noninterest expense to average assets | 2.4603% | 4,403 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.1215% | 1,794 |
Return on assets (ROA) | 1.1215% | 1,899 |
Pretax return on assets | 1.6268% | 1,200 |
Return on Equity (ROE) | 11.1709% | 1,589 |
Retained earnings to average equity (ytd only) | 11.1709% | 693 |
Net charge-offs to loans | 0.0060% | 3,122 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 391.6667% | 142 |
Efficiency ratio | 60.1965% | 5,070 |
Assets per employee ($millions) | 5.4715% | 1,815 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5826% | 2,114 |
Loan loss allowance to noncurrent loans | 451.7680% | 1,096 |
Noncurrent assets plus other real estate owned to assets | 0.4860% | 4,083 |
Noncurrent loans to loans | 0.3503% | 4,543 |
Net loans and leases to total assets | 67.2247% | 2,571 |
Net loans and leases to deposits | 75.3648% | 3,128 |
Net loans and leases to core deposits | 85.7961% | 2,571 |
Total domestic deposits to total assets | 89.1990% | 1,142 |
Equity capital to assets | 9.9596% | 4,196 |
Core capital (leverage) ratio | 10.0086% | 3,584 |
Tier 1 risk-based capital ratio | 13.4795% | 4,332 |
Total risk-based capital ratio | 14.7328% | 4,251 |
Memoranda: | ||
Average total assets | $288,911,000 | 2,253 |
Average earning assets | $269,124,500 | 2,254 |
Average equity | $29,004,000 | 2,429 |
Average total loans | $201,380,500 | 2,076 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6277% | 1,480 |
Cost of funding earning assets | 0.4336% | 3,351 |
Net interest margin | 4.1941% | 1,317 |
Noninterest income to average assets | 0.3576% | 4,541 |
Noninterest expense to average assets | 2.5256% | 4,467 |
Loan and lease loss provision to assets | 0.0383% | 3,816 |
Net operating income to assets | 1.1400% | 1,817 |
Return on assets (ROA) | 1.2240% | 1,569 |
Pretax return on assets | 1.7959% | 800 |
Return on Equity (ROE) | 12.2495% | 1,340 |
Retained earnings to average equity (ytd only) | 4.9538% | 2,629 |
Net charge-offs to loans | 0.2321% | 1,818 |
Credit loss provision to net charge-offs | 23.9726% | 3,924 |
Earnings coverage of net charge-offs (x) | 10.7146% | 2,590 |
Efficiency ratio | 59.6197% | 5,274 |
Assets per employee ($millions) | 5.4300% | 1,827 |
Cash dividends to net income (ytd only)* | 59.5593% | 1,762 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5910% | 2,124 |
Loan loss allowance to noncurrent loans | 1,239.1473% | 498 |
Noncurrent assets plus other real estate owned to assets | 0.3496% | 4,654 |
Noncurrent loans to loans | 0.1284% | 5,382 |
Net loans and leases to total assets | 70.0335% | 2,232 |
Net loans and leases to deposits | 78.4426% | 2,917 |
Net loans and leases to core deposits | 89.8433% | 2,301 |
Total domestic deposits to total assets | 89.2800% | 1,081 |
Equity capital to assets | 10.1222% | 3,958 |
Core capital (leverage) ratio | 9.8929% | 3,720 |
Tier 1 risk-based capital ratio | 13.3501% | 4,508 |
Total risk-based capital ratio | 14.6035% | 4,438 |
Memoranda: | ||
Average total assets | $274,346,400 | 2,325 |
Average earning assets | $253,712,000 | 2,318 |
Average equity | $27,413,400 | 2,454 |
Average total loans | $188,718,200 | 2,126 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6187% | 1,518 |
Cost of funding earning assets | 0.4422% | 3,344 |
Net interest margin | 4.1765% | 1,357 |
Noninterest income to average assets | 0.3525% | 4,617 |
Noninterest expense to average assets | 2.5198% | 4,463 |
Loan and lease loss provision to assets | 0.0514% | 3,348 |
Net operating income to assets | 1.1207% | 1,958 |
Return on assets (ROA) | 1.2352% | 1,623 |
Pretax return on assets | 1.8031% | 889 |
Return on Equity (ROE) | 12.4031% | 1,367 |
Retained earnings to average equity (ytd only) | 4.5867% | 3,373 |
Net charge-offs to loans | 0.2916% | 1,348 |
Credit loss provision to net charge-offs | 25.8621% | 3,509 |
Earnings coverage of net charge-offs (x) | 8.4951% | 2,789 |
Efficiency ratio | 59.8767% | 5,197 |
Assets per employee ($millions) | 5.4129% | 1,804 |
Cash dividends to net income (ytd only)* | 63.0202% | 1,259 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6558% | 2,115 |
Loan loss allowance to noncurrent loans | 882.2404% | 631 |
Noncurrent assets plus other real estate owned to assets | 0.2547% | 5,221 |
Noncurrent loans to loans | 0.1877% | 5,346 |
Net loans and leases to total assets | 69.4704% | 2,275 |
Net loans and leases to deposits | 78.0858% | 2,941 |
Net loans and leases to core deposits | 89.2805% | 2,290 |
Total domestic deposits to total assets | 88.9668% | 1,259 |
Equity capital to assets | 10.1733% | 3,964 |
Core capital (leverage) ratio | 9.9111% | 3,802 |
Tier 1 risk-based capital ratio | 13.5509% | 4,506 |
Total risk-based capital ratio | 14.8054% | 4,447 |
Memoranda: | ||
Average total assets | $272,343,250 | 2,358 |
Average earning assets | $251,435,000 | 2,347 |
Average equity | $27,121,500 | 2,479 |
Average total loans | $185,662,000 | 2,173 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5816% | 1,581 |
Cost of funding earning assets | 0.4485% | 3,343 |
Net interest margin | 4.1331% | 1,418 |
Noninterest income to average assets | 0.3548% | 4,584 |
Noninterest expense to average assets | 2.4869% | 4,618 |
Loan and lease loss provision to assets | 0.0664% | 2,938 |
Net operating income to assets | 1.1003% | 1,942 |
Return on assets (ROA) | 1.2704% | 1,445 |
Pretax return on assets | 1.8591% | 746 |
Return on Equity (ROE) | 12.8504% | 1,217 |
Retained earnings to average equity (ytd only) | 0.9851% | 5,364 |
Net charge-offs to loans | 0.0055% | 4,195 |
Credit loss provision to net charge-offs | 1,800.0000% | 203 |
Earnings coverage of net charge-offs (x) | 454.2000% | 156 |
Efficiency ratio | 59.7483% | 5,328 |
Assets per employee ($millions) | 5.3642% | 1,821 |
Cash dividends to net income (ytd only)* | 92.3345% | 646 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9021% | 1,584 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1638% | 5,660 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 66.8397% | 2,611 |
Net loans and leases to deposits | 74.7749% | 3,228 |
Net loans and leases to core deposits | 85.1095% | 2,597 |
Total domestic deposits to total assets | 89.3879% | 1,165 |
Equity capital to assets | 9.7406% | 4,442 |
Core capital (leverage) ratio | 9.7405% | 3,980 |
Tier 1 risk-based capital ratio | 13.4159% | 4,641 |
Total risk-based capital ratio | 14.6731% | 4,579 |
Memoranda: | ||
Average total assets | $271,105,330 | 2,365 |
Average earning assets | $249,737,670 | 2,358 |
Average equity | $26,800,670 | 2,495 |
Average total loans | $182,547,000 | 2,202 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5905% | 1,531 |
Cost of funding earning assets | 0.4581% | 3,334 |
Net interest margin | 4.1325% | 1,384 |
Noninterest income to average assets | 0.3653% | 4,469 |
Noninterest expense to average assets | 2.4597% | 4,761 |
Loan and lease loss provision to assets | 0.0674% | 2,780 |
Net operating income to assets | 1.1318% | 1,692 |
Return on assets (ROA) | 1.1318% | 1,758 |
Pretax return on assets | 1.6333% | 1,101 |
Return on Equity (ROE) | 11.3616% | 1,581 |
Retained earnings to average equity (ytd only) | -5.4854% | 6,154 |
Net charge-offs to loans | 0.0067% | 3,520 |
Credit loss provision to net charge-offs | 1,500.0000% | 212 |
Earnings coverage of net charge-offs (x) | 378.6667% | 124 |
Efficiency ratio | 59.1220% | 5,522 |
Assets per employee ($millions) | 5.3111% | 1,896 |
Cash dividends to net income (ytd only)* | 148.2804% | 403 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0095% | 1,498 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1687% | 5,730 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 64.3064% | 2,838 |
Net loans and leases to deposits | 71.9256% | 3,345 |
Net loans and leases to core deposits | 82.1843% | 2,720 |
Total domestic deposits to total assets | 89.4069% | 1,418 |
Equity capital to assets | 9.8112% | 4,092 |
Core capital (leverage) ratio | 9.8135% | 3,840 |
Tier 1 risk-based capital ratio | 13.8843% | 4,405 |
Total risk-based capital ratio | 15.1411% | 4,352 |
Memoranda: | ||
Average total assets | $267,190,000 | 2,402 |
Average earning assets | $245,375,000 | 2,393 |
Average equity | $26,616,000 | 2,501 |
Average total loans | $178,793,000 | 2,245 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5673% | 1,969 |
Cost of funding earning assets | 0.6527% | 2,183 |
Net interest margin | 3.9146% | 2,236 |
Noninterest income to average assets | 0.8049% | 2,062 |
Noninterest expense to average assets | 2.4160% | 5,031 |
Loan and lease loss provision to assets | 0.1785% | 2,069 |
Net operating income to assets | 1.2140% | 1,513 |
Return on assets (ROA) | 1.2826% | 1,351 |
Pretax return on assets | 1.9067% | 591 |
Return on Equity (ROE) | 13.2664% | 1,115 |
Retained earnings to average equity (ytd only) | 9.6766% | 625 |
Net charge-offs to loans | -0.3888% | 6,703 |
Credit loss provision to net charge-offs | -72.1805% | 5,832 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9214% | 6,058 |
Assets per employee ($millions) | 5.2703% | 1,884 |
Cash dividends to net income (ytd only)* | 27.0592% | 3,416 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9630% | 1,641 |
Loan loss allowance to noncurrent loans | 1,452.6749% | 387 |
Noncurrent assets plus other real estate owned to assets | 0.3863% | 5,096 |
Noncurrent loans to loans | 0.1351% | 5,802 |
Net loans and leases to total assets | 66.9033% | 2,539 |
Net loans and leases to deposits | 75.0501% | 3,092 |
Net loans and leases to core deposits | 85.6903% | 2,484 |
Total domestic deposits to total assets | 89.1449% | 1,521 |
Equity capital to assets | 10.1159% | 3,613 |
Core capital (leverage) ratio | 9.9254% | 3,675 |
Tier 1 risk-based capital ratio | 13.7683% | 4,466 |
Total risk-based capital ratio | 15.0255% | 4,405 |
Memoranda: | ||
Average total assets | $268,837,800 | 2,358 |
Average earning assets | $246,817,200 | 2,362 |
Average equity | $25,990,400 | 2,546 |
Average total loans | $171,060,000 | 2,292 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5118% | 2,182 |
Cost of funding earning assets | 0.6843% | 2,064 |
Net interest margin | 3.8275% | 2,550 |
Noninterest income to average assets | 0.4150% | 4,409 |
Noninterest expense to average assets | 2.3733% | 5,106 |
Loan and lease loss provision to assets | 0.1925% | 1,898 |
Net operating income to assets | 0.9552% | 2,562 |
Return on assets (ROA) | 1.0502% | 2,265 |
Pretax return on assets | 1.5072% | 1,584 |
Return on Equity (ROE) | 10.9870% | 1,822 |
Retained earnings to average equity (ytd only) | 10.9870% | 579 |
Net charge-offs to loans | 0.1721% | 2,847 |
Credit loss provision to net charge-offs | 178.8991% | 1,351 |
Earnings coverage of net charge-offs (x) | 14.5367% | 1,937 |
Efficiency ratio | 60.2783% | 5,395 |
Assets per employee ($millions) | 5.1438% | 2,001 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4781% | 3,548 |
Loan loss allowance to noncurrent loans | 817.2524% | 573 |
Noncurrent assets plus other real estate owned to assets | 0.4722% | 5,011 |
Noncurrent loans to loans | 0.1809% | 5,787 |
Net loans and leases to total assets | 63.7443% | 3,034 |
Net loans and leases to deposits | 72.8051% | 3,426 |
Net loans and leases to core deposits | 82.8861% | 2,775 |
Total domestic deposits to total assets | 87.5547% | 2,378 |
Equity capital to assets | 9.8293% | 4,136 |
Core capital (leverage) ratio | 9.7435% | 4,042 |
Tier 1 risk-based capital ratio | 14.0902% | 4,365 |
Total risk-based capital ratio | 15.3419% | 4,310 |
Memoranda: | ||
Average total assets | $270,168,250 | 2,364 |
Average earning assets | $248,613,500 | 2,349 |
Average equity | $25,823,750 | 2,593 |
Average total loans | $168,867,250 | 2,324 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4751% | 2,290 |
Cost of funding earning assets | 0.7221% | 1,908 |
Net interest margin | 3.7530% | 2,752 |
Noninterest income to average assets | 0.3770% | 4,693 |
Noninterest expense to average assets | 2.3419% | 5,235 |
Loan and lease loss provision to assets | 0.2213% | 1,714 |
Net operating income to assets | 0.8928% | 2,837 |
Return on assets (ROA) | 1.0256% | 2,338 |
Pretax return on assets | 1.4661% | 1,721 |
Return on Equity (ROE) | 10.8306% | 1,869 |
Retained earnings to average equity (ytd only) | 10.8306% | 676 |
Net charge-offs to loans | 0.1003% | 3,357 |
Credit loss provision to net charge-offs | 357.1429% | 729 |
Earnings coverage of net charge-offs (x) | 24.1667% | 1,307 |
Efficiency ratio | 60.9915% | 5,334 |
Assets per employee ($millions) | 5.5615% | 1,530 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5099% | 3,546 |
Loan loss allowance to noncurrent loans | 452.3478% | 959 |
Noncurrent assets plus other real estate owned to assets | 0.5185% | 4,972 |
Noncurrent loans to loans | 0.3338% | 5,461 |
Net loans and leases to total assets | 62.2563% | 3,243 |
Net loans and leases to deposits | 70.7570% | 3,619 |
Net loans and leases to core deposits | 79.5462% | 3,078 |
Total domestic deposits to total assets | 87.9859% | 2,253 |
Equity capital to assets | 9.4568% | 4,639 |
Core capital (leverage) ratio | 9.3232% | 4,504 |
Tier 1 risk-based capital ratio | 13.7342% | 4,618 |
Total risk-based capital ratio | 14.9860% | 4,584 |
Memoranda: | ||
Average total assets | $271,066,000 | 2,361 |
Average earning assets | $250,093,000 | 2,344 |
Average equity | $25,668,000 | 2,610 |
Average total loans | $167,470,330 | 2,333 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4186% | 2,455 |
Cost of funding earning assets | 0.7567% | 1,793 |
Net interest margin | 3.6619% | 3,025 |
Noninterest income to average assets | 0.3507% | 4,874 |
Noninterest expense to average assets | 2.3156% | 5,383 |
Loan and lease loss provision to assets | 0.2663% | 1,331 |
Net operating income to assets | 0.8345% | 2,987 |
Return on assets (ROA) | 0.8345% | 3,129 |
Pretax return on assets | 1.1482% | 2,774 |
Return on Equity (ROE) | 8.8068% | 2,571 |
Retained earnings to average equity (ytd only) | 8.8068% | 1,450 |
Net charge-offs to loans | 0.0824% | 3,018 |
Credit loss provision to net charge-offs | 529.4118% | 507 |
Earnings coverage of net charge-offs (x) | 28.1176% | 993 |
Efficiency ratio | 62.0785% | 5,293 |
Assets per employee ($millions) | 5.4724% | 1,691 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5263% | 3,714 |
Loan loss allowance to noncurrent loans | 504.1833% | 850 |
Noncurrent assets plus other real estate owned to assets | 0.3914% | 5,413 |
Noncurrent loans to loans | 0.3027% | 5,643 |
Net loans and leases to total assets | 59.6804% | 3,489 |
Net loans and leases to deposits | 67.7835% | 3,795 |
Net loans and leases to core deposits | 79.5970% | 2,854 |
Total domestic deposits to total assets | 88.0455% | 2,280 |
Equity capital to assets | 9.4309% | 4,954 |
Core capital (leverage) ratio | 9.1097% | 4,707 |
Tier 1 risk-based capital ratio | 13.6488% | 4,758 |
Total risk-based capital ratio | 14.9008% | 4,722 |
Memoranda: | ||
Average total assets | $270,342,000 | 2,389 |
Average earning assets | $249,491,000 | 2,382 |
Average equity | $25,616,500 | 2,648 |
Average total loans | $165,076,500 | 2,379 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7087% | 2,558 |
Cost of funding earning assets | 0.8573% | 2,241 |
Net interest margin | 3.8514% | 3,021 |
Noninterest income to average assets | 0.3592% | 4,908 |
Noninterest expense to average assets | 2.3469% | 5,570 |
Loan and lease loss provision to assets | 0.3194% | 2,136 |
Net operating income to assets | 0.9130% | 2,752 |
Return on assets (ROA) | 0.9525% | 2,784 |
Pretax return on assets | 1.3129% | 2,346 |
Return on Equity (ROE) | 9.9108% | 2,210 |
Retained earnings to average equity (ytd only) | 6.4022% | 1,869 |
Net charge-offs to loans | 0.3183% | 3,049 |
Credit loss provision to net charge-offs | 162.7953% | 1,652 |
Earnings coverage of net charge-offs (x) | 8.0433% | 2,484 |
Efficiency ratio | 59.7914% | 5,575 |
Assets per employee ($millions) | 5.4503% | 1,733 |
Cash dividends to net income (ytd only)* | 35.4015% | 3,115 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4514% | 3,933 |
Loan loss allowance to noncurrent loans | 1,378.6127% | 364 |
Noncurrent assets plus other real estate owned to assets | 0.2778% | 5,856 |
Noncurrent loans to loans | 0.1053% | 6,224 |
Net loans and leases to total assets | 60.6370% | 3,485 |
Net loans and leases to deposits | 69.1261% | 3,819 |
Net loans and leases to core deposits | 80.8208% | 2,904 |
Total domestic deposits to total assets | 87.7194% | 2,398 |
Equity capital to assets | 9.5213% | 4,846 |
Core capital (leverage) ratio | 9.0268% | 4,859 |
Tier 1 risk-based capital ratio | 13.5870% | 4,684 |
Total risk-based capital ratio | 14.8387% | 4,632 |
Memoranda: | ||
Average total assets | $258,898,600 | 2,447 |
Average earning assets | $239,707,400 | 2,415 |
Average equity | $24,882,000 | 2,669 |
Average total loans | $159,583,600 | 2,438 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7421% | 2,614 |
Cost of funding earning assets | 0.8715% | 2,382 |
Net interest margin | 3.8706% | 3,025 |
Noninterest income to average assets | 0.3504% | 5,011 |
Noninterest expense to average assets | 2.3504% | 5,543 |
Loan and lease loss provision to assets | 0.3358% | 1,949 |
Net operating income to assets | 0.9104% | 2,932 |
Return on assets (ROA) | 0.9634% | 2,903 |
Pretax return on assets | 1.3263% | 2,508 |
Return on Equity (ROE) | 10.0002% | 2,346 |
Retained earnings to average equity (ytd only) | 10.0002% | 913 |
Net charge-offs to loans | 0.3830% | 2,562 |
Credit loss provision to net charge-offs | 142.1978% | 2,029 |
Earnings coverage of net charge-offs (x) | 6.7297% | 2,725 |
Efficiency ratio | 59.6574% | 5,557 |
Assets per employee ($millions) | 5.5357% | 1,604 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4128% | 4,320 |
Loan loss allowance to noncurrent loans | 1,169.9482% | 382 |
Noncurrent assets plus other real estate owned to assets | 0.3696% | 5,777 |
Noncurrent loans to loans | 0.1208% | 6,306 |
Net loans and leases to total assets | 59.2972% | 3,907 |
Net loans and leases to deposits | 67.9555% | 4,186 |
Net loans and leases to core deposits | 81.2840% | 3,048 |
Total domestic deposits to total assets | 87.2589% | 2,522 |
Equity capital to assets | 9.7052% | 4,914 |
Core capital (leverage) ratio | 9.2705% | 4,642 |
Tier 1 risk-based capital ratio | 14.1575% | 4,412 |
Total risk-based capital ratio | 15.4087% | 4,372 |
Memoranda: | ||
Average total assets | $256,857,500 | 2,491 |
Average earning assets | $238,202,500 | 2,456 |
Average equity | $24,745,500 | 2,708 |
Average total loans | $158,398,500 | 2,472 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8013% | 2,500 |
Cost of funding earning assets | 0.8944% | 2,446 |
Net interest margin | 3.9069% | 2,876 |
Noninterest income to average assets | 0.3616% | 4,946 |
Noninterest expense to average assets | 2.3591% | 5,596 |
Loan and lease loss provision to assets | 0.3938% | 1,670 |
Net operating income to assets | 0.8899% | 2,958 |
Return on assets (ROA) | 0.9704% | 2,828 |
Pretax return on assets | 1.3351% | 2,439 |
Return on Equity (ROE) | 10.0992% | 2,317 |
Retained earnings to average equity (ytd only) | 10.0992% | 950 |
Net charge-offs to loans | 0.5154% | 2,041 |
Credit loss provision to net charge-offs | 122.8501% | 2,232 |
Earnings coverage of net charge-offs (x) | 5.0491% | 2,917 |
Efficiency ratio | 59.3069% | 5,693 |
Assets per employee ($millions) | 5.4807% | 1,640 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3634% | 4,596 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.3812% | 5,830 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 60.6378% | 3,697 |
Net loans and leases to deposits | 69.4414% | 3,976 |
Net loans and leases to core deposits | 82.5126% | 2,899 |
Total domestic deposits to total assets | 87.3222% | 2,581 |
Equity capital to assets | 9.7216% | 4,731 |
Core capital (leverage) ratio | 9.2501% | 4,527 |
Tier 1 risk-based capital ratio | 14.0537% | 4,408 |
Total risk-based capital ratio | 15.3042% | 4,374 |
Memoranda: | ||
Average total assets | $253,905,330 | 2,509 |
Average earning assets | $235,019,330 | 2,471 |
Average equity | $24,398,000 | 2,729 |
Average total loans | $157,925,000 | 2,490 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9024% | 2,231 |
Cost of funding earning assets | 0.9214% | 2,505 |
Net interest margin | 3.9811% | 2,587 |
Noninterest income to average assets | 0.3301% | 5,221 |
Noninterest expense to average assets | 2.3581% | 5,602 |
Loan and lease loss provision to assets | 0.5078% | 1,192 |
Net operating income to assets | 0.8276% | 3,268 |
Return on assets (ROA) | 0.9886% | 2,718 |
Pretax return on assets | 1.3600% | 2,338 |
Return on Equity (ROE) | 10.3506% | 2,283 |
Retained earnings to average equity (ytd only) | 10.3506% | 1,187 |
Net charge-offs to loans | 0.9613% | 1,076 |
Credit loss provision to net charge-offs | 84.4327% | 2,656 |
Earnings coverage of net charge-offs (x) | 2.7388% | 3,086 |
Efficiency ratio | 58.8748% | 5,789 |
Assets per employee ($millions) | 5.4900% | 1,700 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2607% | 5,199 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2407% | 6,286 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 60.9194% | 3,462 |
Net loans and leases to deposits | 69.8307% | 3,757 |
Net loans and leases to core deposits | 82.1308% | 2,817 |
Total domestic deposits to total assets | 87.2387% | 2,807 |
Equity capital to assets | 9.4244% | 4,912 |
Core capital (leverage) ratio | 9.1357% | 4,627 |
Tier 1 risk-based capital ratio | 13.7013% | 4,676 |
Total risk-based capital ratio | 14.8973% | 4,704 |
Memoranda: | ||
Average total assets | $252,062,000 | 2,545 |
Average earning assets | $232,701,500 | 2,516 |
Average equity | $24,076,000 | 2,763 |
Average total loans | $157,709,000 | 2,514 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1264% | 2,348 |
Cost of funding earning assets | 1.1276% | 2,484 |
Net interest margin | 3.9988% | 2,882 |
Noninterest income to average assets | 0.4470% | 4,241 |
Noninterest expense to average assets | 2.4253% | 5,709 |
Loan and lease loss provision to assets | 0.3194% | 3,129 |
Net operating income to assets | 0.9923% | 2,228 |
Return on assets (ROA) | 0.9923% | 2,372 |
Pretax return on assets | 1.3701% | 1,879 |
Return on Equity (ROE) | 10.6218% | 1,831 |
Retained earnings to average equity (ytd only) | 6.1149% | 1,952 |
Net charge-offs to loans | 0.5557% | 2,791 |
Credit loss provision to net charge-offs | 90.7602% | 3,977 |
Earnings coverage of net charge-offs (x) | 4.8012% | 2,975 |
Efficiency ratio | 58.9418% | 5,909 |
Assets per employee ($millions) | 5.0223% | 2,171 |
Cash dividends to net income (ytd only)* | 42.4305% | 2,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3225% | 4,795 |
Loan loss allowance to noncurrent loans | 1,930.8411% | 235 |
Noncurrent assets plus other real estate owned to assets | 0.4519% | 5,838 |
Noncurrent loans to loans | 0.0685% | 6,644 |
Net loans and leases to total assets | 62.6405% | 3,484 |
Net loans and leases to deposits | 71.7182% | 3,840 |
Net loans and leases to core deposits | 85.2702% | 2,720 |
Total domestic deposits to total assets | 87.3426% | 2,556 |
Equity capital to assets | 9.6850% | 4,623 |
Core capital (leverage) ratio | 9.1239% | 4,583 |
Tier 1 risk-based capital ratio | 13.4988% | 4,698 |
Total risk-based capital ratio | 14.7461% | 4,661 |
Memoranda: | ||
Average total assets | $242,976,000 | 2,599 |
Average earning assets | $222,866,200 | 2,579 |
Average equity | $22,698,600 | 2,814 |
Average total loans | $153,867,000 | 2,584 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1537% | 2,372 |
Cost of funding earning assets | 1.1690% | 2,510 |
Net interest margin | 3.9847% | 2,977 |
Noninterest income to average assets | 0.4244% | 4,480 |
Noninterest expense to average assets | 2.4112% | 5,736 |
Loan and lease loss provision to assets | 0.3094% | 3,050 |
Net operating income to assets | 0.9931% | 2,355 |
Return on assets (ROA) | 0.9931% | 2,500 |
Pretax return on assets | 1.3630% | 2,074 |
Return on Equity (ROE) | 10.7307% | 1,945 |
Retained earnings to average equity (ytd only) | 8.9463% | 1,163 |
Net charge-offs to loans | 0.5297% | 2,642 |
Credit loss provision to net charge-offs | 92.2824% | 3,697 |
Earnings coverage of net charge-offs (x) | 4.9885% | 2,909 |
Efficiency ratio | 59.0456% | 5,860 |
Assets per employee ($millions) | 4.9740% | 2,220 |
Cash dividends to net income (ytd only)* | 16.6297% | 3,058 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3687% | 4,689 |
Loan loss allowance to noncurrent loans | 1,013.5266% | 357 |
Noncurrent assets plus other real estate owned to assets | 0.6269% | 5,569 |
Noncurrent loans to loans | 0.1350% | 6,599 |
Net loans and leases to total assets | 62.0295% | 3,715 |
Net loans and leases to deposits | 71.3355% | 4,090 |
Net loans and leases to core deposits | 85.5658% | 2,835 |
Total domestic deposits to total assets | 86.9546% | 2,683 |
Equity capital to assets | 9.8553% | 4,540 |
Core capital (leverage) ratio | 9.1584% | 4,696 |
Tier 1 risk-based capital ratio | 13.6548% | 4,610 |
Total risk-based capital ratio | 14.9055% | 4,580 |
Memoranda: | ||
Average total assets | $242,196,750 | 2,620 |
Average earning assets | $222,409,500 | 2,600 |
Average equity | $22,414,750 | 2,842 |
Average total loans | $153,278,750 | 2,620 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1409% | 2,510 |
Cost of funding earning assets | 1.2184% | 2,452 |
Net interest margin | 3.9225% | 3,206 |
Noninterest income to average assets | 0.4502% | 4,284 |
Noninterest expense to average assets | 2.4048% | 5,828 |
Loan and lease loss provision to assets | 0.3161% | 2,896 |
Net operating income to assets | 0.9765% | 2,330 |
Return on assets (ROA) | 0.9765% | 2,430 |
Pretax return on assets | 1.3257% | 2,054 |
Return on Equity (ROE) | 10.7863% | 1,872 |
Retained earnings to average equity (ytd only) | 8.7296% | 1,200 |
Net charge-offs to loans | 0.7542% | 1,989 |
Credit loss provision to net charge-offs | 66.0900% | 4,174 |
Earnings coverage of net charge-offs (x) | 3.4325% | 3,170 |
Efficiency ratio | 59.4274% | 5,960 |
Assets per employee ($millions) | 4.9764% | 2,164 |
Cash dividends to net income (ytd only)* | 19.0678% | 2,888 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2642% | 5,232 |
Loan loss allowance to noncurrent loans | 256.4474% | 1,206 |
Noncurrent assets plus other real estate owned to assets | 0.6742% | 5,553 |
Noncurrent loans to loans | 0.4930% | 5,920 |
Net loans and leases to total assets | 62.4224% | 3,810 |
Net loans and leases to deposits | 71.2459% | 4,247 |
Net loans and leases to core deposits | 85.1390% | 3,053 |
Total domestic deposits to total assets | 87.6155% | 2,397 |
Equity capital to assets | 9.3970% | 4,980 |
Core capital (leverage) ratio | 8.9303% | 4,833 |
Tier 1 risk-based capital ratio | 13.2819% | 4,704 |
Total risk-based capital ratio | 14.4785% | 4,719 |
Memoranda: | ||
Average total assets | $241,687,000 | 2,637 |
Average earning assets | $221,594,000 | 2,632 |
Average equity | $21,879,670 | 2,892 |
Average total loans | $153,278,330 | 2,642 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0833% | 2,724 |
Cost of funding earning assets | 1.2717% | 2,352 |
Net interest margin | 3.8116% | 3,558 |
Noninterest income to average assets | 0.5303% | 3,650 |
Noninterest expense to average assets | 2.4155% | 5,838 |
Loan and lease loss provision to assets | 0.3824% | 2,270 |
Net operating income to assets | 0.9193% | 2,478 |
Return on assets (ROA) | 0.9193% | 2,534 |
Pretax return on assets | 1.2402% | 2,227 |
Return on Equity (ROE) | 10.3546% | 1,973 |
Retained earnings to average equity (ytd only) | 7.5459% | 1,919 |
Net charge-offs to loans | 0.2696% | 2,990 |
Credit loss provision to net charge-offs | 223.3010% | 1,359 |
Earnings coverage of net charge-offs (x) | 9.4757% | 1,717 |
Efficiency ratio | 59.8189% | 6,009 |
Assets per employee ($millions) | 5.2780% | 1,793 |
Cash dividends to net income (ytd only)* | 27.1248% | 2,065 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4800% | 4,301 |
Loan loss allowance to noncurrent loans | 138.7905% | 2,136 |
Noncurrent assets plus other real estate owned to assets | 1.0746% | 4,774 |
Noncurrent loans to loans | 1.0663% | 4,919 |
Net loans and leases to total assets | 62.2943% | 3,790 |
Net loans and leases to deposits | 70.5230% | 4,268 |
Net loans and leases to core deposits | 83.7517% | 3,194 |
Total domestic deposits to total assets | 88.3318% | 2,178 |
Equity capital to assets | 8.9691% | 5,251 |
Core capital (leverage) ratio | 8.8511% | 4,852 |
Tier 1 risk-based capital ratio | 13.0343% | 4,803 |
Total risk-based capital ratio | 14.2862% | 4,786 |
Memoranda: | ||
Average total assets | $240,608,000 | 2,660 |
Average earning assets | $221,429,000 | 2,645 |
Average equity | $21,362,500 | 2,932 |
Average total loans | $152,836,000 | 2,667 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3227% | 3,020 |
Cost of funding earning assets | 1.6380% | 1,876 |
Net interest margin | 3.6847% | 4,420 |
Noninterest income to average assets | 0.3812% | 5,050 |
Noninterest expense to average assets | 2.3340% | 6,260 |
Loan and lease loss provision to assets | 0.3040% | 4,372 |
Net operating income to assets | 0.7757% | 2,895 |
Return on assets (ROA) | 0.8195% | 2,852 |
Pretax return on assets | 1.1093% | 2,538 |
Return on Equity (ROE) | 9.4701% | 2,121 |
Retained earnings to average equity (ytd only) | 4.3059% | 2,825 |
Net charge-offs to loans | 0.1667% | 5,332 |
Credit loss provision to net charge-offs | 295.6349% | 909 |
Earnings coverage of net charge-offs (x) | 13.1667% | 1,436 |
Efficiency ratio | 63.2843% | 5,465 |
Assets per employee ($millions) | 4.9673% | 2,201 |
Cash dividends to net income (ytd only)* | 54.5319% | 1,868 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4097% | 4,462 |
Loan loss allowance to noncurrent loans | 375.0000% | 830 |
Noncurrent assets plus other real estate owned to assets | 0.9047% | 5,211 |
Noncurrent loans to loans | 0.3759% | 6,299 |
Net loans and leases to total assets | 62.9171% | 4,090 |
Net loans and leases to deposits | 71.4932% | 4,610 |
Net loans and leases to core deposits | 85.3806% | 3,416 |
Total domestic deposits to total assets | 88.0043% | 2,248 |
Equity capital to assets | 8.7863% | 5,456 |
Core capital (leverage) ratio | 8.3642% | 5,589 |
Tier 1 risk-based capital ratio | 12.7429% | 4,827 |
Total risk-based capital ratio | 13.9937% | 4,794 |
Memoranda: | ||
Average total assets | $245,029,200 | 2,597 |
Average earning assets | $219,906,800 | 2,636 |
Average equity | $21,203,600 | 2,980 |
Average total loans | $151,140,000 | 2,756 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3605% | 3,074 |
Cost of funding earning assets | 1.6672% | 2,020 |
Net interest margin | 3.6932% | 4,437 |
Noninterest income to average assets | 0.3648% | 5,238 |
Noninterest expense to average assets | 2.2766% | 6,392 |
Loan and lease loss provision to assets | 0.3162% | 4,051 |
Net operating income to assets | 0.7836% | 3,070 |
Return on assets (ROA) | 0.8416% | 2,965 |
Pretax return on assets | 1.1442% | 2,683 |
Return on Equity (ROE) | 9.7613% | 2,223 |
Retained earnings to average equity (ytd only) | 6.4699% | 2,107 |
Net charge-offs to loans | 0.0601% | 5,909 |
Credit loss provision to net charge-offs | 860.2941% | 350 |
Earnings coverage of net charge-offs (x) | 37.6048% | 724 |
Efficiency ratio | 62.2248% | 5,584 |
Assets per employee ($millions) | 5.3334% | 1,786 |
Cash dividends to net income (ytd only)* | 33.7185% | 2,378 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4280% | 4,316 |
Loan loss allowance to noncurrent loans | 123.5328% | 2,286 |
Noncurrent assets plus other real estate owned to assets | 1.0536% | 5,004 |
Noncurrent loans to loans | 1.1560% | 4,929 |
Net loans and leases to total assets | 59.7003% | 4,965 |
Net loans and leases to deposits | 70.3678% | 5,095 |
Net loans and leases to core deposits | 85.8520% | 3,681 |
Total domestic deposits to total assets | 84.8403% | 3,702 |
Equity capital to assets | 8.8155% | 5,840 |
Core capital (leverage) ratio | 8.3106% | 5,853 |
Tier 1 risk-based capital ratio | 12.5702% | 4,923 |
Total risk-based capital ratio | 13.8205% | 4,897 |
Memoranda: | ||
Average total assets | $246,679,500 | 2,607 |
Average earning assets | $220,000,000 | 2,667 |
Average equity | $21,267,250 | 3,016 |
Average total loans | $150,885,750 | 2,792 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4760% | 2,626 |
Cost of funding earning assets | 1.6951% | 2,141 |
Net interest margin | 3.7809% | 3,984 |
Noninterest income to average assets | 0.3611% | 5,262 |
Noninterest expense to average assets | 2.2605% | 6,477 |
Loan and lease loss provision to assets | 0.2119% | 4,764 |
Net operating income to assets | 0.8918% | 2,578 |
Return on assets (ROA) | 0.8918% | 2,702 |
Pretax return on assets | 1.2252% | 2,332 |
Return on Equity (ROE) | 10.4238% | 1,954 |
Retained earnings to average equity (ytd only) | 6.1362% | 2,261 |
Net charge-offs to loans | 0.0691% | 5,450 |
Credit loss provision to net charge-offs | 500.0000% | 733 |
Earnings coverage of net charge-offs (x) | 33.9038% | 830 |
Efficiency ratio | 61.1332% | 5,829 |
Assets per employee ($millions) | 5.3574% | 1,747 |
Cash dividends to net income (ytd only)* | 41.1335% | 2,029 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2222% | 5,341 |
Loan loss allowance to noncurrent loans | 146.2264% | 1,899 |
Noncurrent assets plus other real estate owned to assets | 0.9043% | 5,310 |
Noncurrent loans to loans | 0.8358% | 5,609 |
Net loans and leases to total assets | 59.6995% | 5,120 |
Net loans and leases to deposits | 70.8139% | 5,161 |
Net loans and leases to core deposits | 86.1103% | 3,810 |
Total domestic deposits to total assets | 84.3048% | 3,959 |
Equity capital to assets | 8.5716% | 6,060 |
Core capital (leverage) ratio | 8.3271% | 5,710 |
Tier 1 risk-based capital ratio | 12.3311% | 5,012 |
Total risk-based capital ratio | 13.4458% | 5,105 |
Memoranda: | ||
Average total assets | $245,348,670 | 2,644 |
Average earning assets | $216,507,670 | 2,723 |
Average equity | $20,990,330 | 3,045 |
Average total loans | $150,574,330 | 2,824 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4231% | 2,926 |
Cost of funding earning assets | 1.6960% | 2,413 |
Net interest margin | 3.7271% | 4,115 |
Noninterest income to average assets | 0.3403% | 5,421 |
Noninterest expense to average assets | 2.2864% | 6,416 |
Loan and lease loss provision to assets | 0.1982% | 4,522 |
Net operating income to assets | 0.8541% | 2,737 |
Return on assets (ROA) | 0.8541% | 2,827 |
Pretax return on assets | 1.1630% | 2,499 |
Return on Equity (ROE) | 9.9932% | 2,104 |
Retained earnings to average equity (ytd only) | 9.9932% | 1,140 |
Net charge-offs to loans | 0.0427% | 4,996 |
Credit loss provision to net charge-offs | 750.0000% | 596 |
Earnings coverage of net charge-offs (x) | 51.5000% | 563 |
Efficiency ratio | 62.6812% | 5,711 |
Assets per employee ($millions) | 5.3359% | 1,829 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1420% | 5,814 |
Loan loss allowance to noncurrent loans | 116.2144% | 2,382 |
Noncurrent assets plus other real estate owned to assets | 1.0020% | 5,145 |
Noncurrent loans to loans | 0.9826% | 5,360 |
Net loans and leases to total assets | 60.6140% | 5,016 |
Net loans and leases to deposits | 72.1109% | 5,035 |
Net loans and leases to core deposits | 87.0281% | 3,746 |
Total domestic deposits to total assets | 84.0566% | 4,120 |
Equity capital to assets | 8.3864% | 6,174 |
Core capital (leverage) ratio | 8.4550% | 5,458 |
Tier 1 risk-based capital ratio | 12.1430% | 5,041 |
Total risk-based capital ratio | 13.1857% | 5,224 |
Memoranda: | ||
Average total assets | $242,125,000 | 2,742 |
Average earning assets | $214,858,500 | 2,807 |
Average equity | $20,694,000 | 3,100 |
Average total loans | $149,771,000 | 2,904 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6718% | 3,242 |
Cost of funding earning assets | 2.0628% | 2,668 |
Net interest margin | 3.6090% | 4,521 |
Noninterest income to average assets | 0.0628% | 7,443 |
Noninterest expense to average assets | 2.3976% | 6,475 |
Loan and lease loss provision to assets | 0.9609% | 2,355 |
Net operating income to assets | 0.0030% | 5,474 |
Return on assets (ROA) | 0.2022% | 4,959 |
Pretax return on assets | 0.2873% | 4,795 |
Return on Equity (ROE) | 2.2246% | 4,819 |
Retained earnings to average equity (ytd only) | -0.0551% | 4,947 |
Net charge-offs to loans | 1.4586% | 1,721 |
Credit loss provision to net charge-offs | 98.4142% | 5,661 |
Earnings coverage of net charge-offs (x) | 0.9869% | 5,123 |
Efficiency ratio | 71.3318% | 4,382 |
Assets per employee ($millions) | 4.8638% | 2,391 |
Cash dividends to net income (ytd only)* | 102.4775% | 586 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1333% | 5,733 |
Loan loss allowance to noncurrent loans | 184.3750% | 1,594 |
Noncurrent assets plus other real estate owned to assets | 0.8939% | 5,314 |
Noncurrent loans to loans | 0.6147% | 6,018 |
Net loans and leases to total assets | 61.7323% | 5,050 |
Net loans and leases to deposits | 72.5076% | 5,259 |
Net loans and leases to core deposits | 123.1075% | 1,705 |
Total domestic deposits to total assets | 85.1390% | 3,491 |
Equity capital to assets | 8.7192% | 5,561 |
Core capital (leverage) ratio | 8.5629% | 5,165 |
Tier 1 risk-based capital ratio | 12.4725% | 4,549 |
Total risk-based capital ratio | 13.5063% | 4,677 |
Memoranda: | ||
Average total assets | $219,595,200 | 2,947 |
Average earning assets | $200,694,600 | 2,957 |
Average equity | $19,958,200 | 3,209 |
Average total loans | $146,990,600 | 2,968 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6936% | 3,371 |
Cost of funding earning assets | 2.1362% | 2,724 |
Net interest margin | 3.5574% | 4,647 |
Noninterest income to average assets | -0.0450% | 7,892 |
Noninterest expense to average assets | 2.4158% | 6,363 |
Loan and lease loss provision to assets | 0.4503% | 3,664 |
Net operating income to assets | 0.2289% | 5,058 |
Return on assets (ROA) | 0.4756% | 4,191 |
Pretax return on assets | 0.7557% | 3,689 |
Return on Equity (ROE) | 5.1764% | 3,892 |
Retained earnings to average equity (ytd only) | 3.6323% | 3,256 |
Net charge-offs to loans | 0.6662% | 2,696 |
Credit loss provision to net charge-offs | 99.1848% | 5,153 |
Earnings coverage of net charge-offs (x) | 1.8071% | 4,446 |
Efficiency ratio | 74.6474% | 3,753 |
Assets per employee ($millions) | 4.7001% | 2,558 |
Cash dividends to net income (ytd only)* | 29.8316% | 2,881 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1149% | 5,632 |
Loan loss allowance to noncurrent loans | 64.9652% | 4,079 |
Noncurrent assets plus other real estate owned to assets | 1.1950% | 4,683 |
Noncurrent loans to loans | 1.7161% | 4,063 |
Net loans and leases to total assets | 66.0483% | 4,425 |
Net loans and leases to deposits | 78.7081% | 4,618 |
Net loans and leases to core deposits | 130.3945% | 1,412 |
Total domestic deposits to total assets | 83.9156% | 3,759 |
Equity capital to assets | 9.5243% | 4,713 |
Core capital (leverage) ratio | 9.2693% | 4,230 |
Tier 1 risk-based capital ratio | 12.9503% | 4,226 |
Total risk-based capital ratio | 14.0124% | 4,289 |
Memoranda: | ||
Average total assets | $216,128,250 | 3,009 |
Average earning assets | $199,353,000 | 2,995 |
Average equity | $19,858,750 | 3,259 |
Average total loans | $147,294,750 | 2,993 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7501% | 3,293 |
Cost of funding earning assets | 2.2253% | 2,682 |
Net interest margin | 3.5249% | 4,676 |
Noninterest income to average assets | -0.3108% | 8,095 |
Noninterest expense to average assets | 2.4107% | 6,426 |
Loan and lease loss provision to assets | 0.1690% | 5,377 |
Net operating income to assets | 0.1531% | 5,412 |
Return on assets (ROA) | 0.5287% | 4,102 |
Pretax return on assets | 0.9541% | 3,165 |
Return on Equity (ROE) | 5.8294% | 3,734 |
Retained earnings to average equity (ytd only) | 3.9656% | 3,078 |
Net charge-offs to loans | 0.1916% | 4,346 |
Credit loss provision to net charge-offs | 128.5714% | 3,617 |
Earnings coverage of net charge-offs (x) | 4.0786% | 3,225 |
Efficiency ratio | 81.8037% | 2,745 |
Assets per employee ($millions) | 4.2387% | 3,220 |
Cash dividends to net income (ytd only)* | 31.9716% | 2,766 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1707% | 5,143 |
Loan loss allowance to noncurrent loans | 120.6150% | 2,444 |
Noncurrent assets plus other real estate owned to assets | 0.7889% | 5,423 |
Noncurrent loans to loans | 0.9706% | 5,277 |
Net loans and leases to total assets | 68.7517% | 4,008 |
Net loans and leases to deposits | 81.2718% | 4,343 |
Net loans and leases to core deposits | 135.2702% | 1,252 |
Total domestic deposits to total assets | 84.5948% | 3,445 |
Equity capital to assets | 9.5213% | 4,586 |
Core capital (leverage) ratio | 9.4669% | 3,936 |
Tier 1 risk-based capital ratio | 13.2096% | 3,993 |
Total risk-based capital ratio | 14.3314% | 4,000 |
Memoranda: | ||
Average total assets | $212,970,000 | 3,075 |
Average earning assets | $196,829,670 | 3,040 |
Average equity | $19,316,000 | 3,352 |
Average total loans | $146,164,000 | 3,046 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7586% | 3,488 |
Cost of funding earning assets | 2.2938% | 2,727 |
Net interest margin | 3.4649% | 4,876 |
Noninterest income to average assets | 0.4665% | 4,622 |
Noninterest expense to average assets | 2.2428% | 6,718 |
Loan and lease loss provision to assets | 0.1312% | 5,277 |
Net operating income to assets | 0.9338% | 2,573 |
Return on assets (ROA) | 0.9218% | 2,748 |
Pretax return on assets | 1.2909% | 2,315 |
Return on Equity (ROE) | 10.4212% | 2,157 |
Retained earnings to average equity (ytd only) | 10.4212% | 1,090 |
Net charge-offs to loans | 0.0852% | 4,312 |
Credit loss provision to net charge-offs | 225.8065% | 2,021 |
Earnings coverage of net charge-offs (x) | 24.7742% | 1,230 |
Efficiency ratio | 60.9160% | 6,266 |
Assets per employee ($millions) | 4.4710% | 2,772 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1711% | 4,981 |
Loan loss allowance to noncurrent loans | 571.1921% | 623 |
Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,752 |
Noncurrent loans to loans | 0.2050% | 6,946 |
Net loans and leases to total assets | 67.8291% | 4,182 |
Net loans and leases to deposits | 80.2470% | 4,570 |
Net loans and leases to core deposits | 132.4369% | 1,508 |
Total domestic deposits to total assets | 84.5254% | 3,450 |
Equity capital to assets | 9.6962% | 4,387 |
Core capital (leverage) ratio | 9.5119% | 3,966 |
Tier 1 risk-based capital ratio | 13.2182% | 4,041 |
Total risk-based capital ratio | 14.3339% | 4,041 |
Memoranda: | ||
Average total assets | $213,487,500 | 3,075 |
Average earning assets | $198,102,000 | 3,042 |
Average equity | $18,884,500 | 3,430 |
Average total loans | $145,528,500 | 3,080 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2813% | 4,062 |
Cost of funding earning assets | 3.0271% | 1,774 |
Net interest margin | 3.2542% | 6,200 |
Noninterest income to average assets | 0.4927% | 4,658 |
Noninterest expense to average assets | 2.2498% | 6,838 |
Loan and lease loss provision to assets | 0.2340% | 4,553 |
Net operating income to assets | 0.7273% | 3,767 |
Return on assets (ROA) | 0.7465% | 3,527 |
Pretax return on assets | 1.0917% | 3,054 |
Return on Equity (ROE) | 9.1633% | 2,586 |
Retained earnings to average equity (ytd only) | 7.9488% | 857 |
Net charge-offs to loans | 0.1411% | 4,810 |
Credit loss provision to net charge-offs | 250.2646% | 1,861 |
Earnings coverage of net charge-offs (x) | 13.8783% | 2,098 |
Efficiency ratio | 63.4221% | 5,687 |
Assets per employee ($millions) | 4.9387% | 2,010 |
Cash dividends to net income (ytd only)* | 13.2538% | 4,611 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1728% | 4,757 |
Loan loss allowance to noncurrent loans | 168,600.0000% | 2 |
Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,672 |
Noncurrent loans to loans | 0.0007% | 7,567 |
Net loans and leases to total assets | 66.9027% | 4,657 |
Net loans and leases to deposits | 79.8869% | 5,064 |
Net loans and leases to core deposits | 129.6782% | 1,872 |
Total domestic deposits to total assets | 83.7469% | 3,460 |
Equity capital to assets | 7.9863% | 6,862 |
Core capital (leverage) ratio | 7.9451% | 6,579 |
Tier 1 risk-based capital ratio | 11.2379% | 5,501 |
Total risk-based capital ratio | 12.3562% | 5,519 |
Memoranda: | ||
Average total assets | $202,152,800 | 3,113 |
Average earning assets | $189,755,200 | 3,045 |
Average equity | $16,467,800 | 3,831 |
Average total loans | $133,902,600 | 3,199 |