Home > First General Bank > Performance and Condition Ratios
First General 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 | 8.7771% | 95 |
Cost of funding earning assets | 1.6459% | 1,585 |
Net interest margin | 7.1312% | 56 |
Noninterest income to average assets | 0.3500% | 2,791 |
Noninterest expense to average assets | 1.5046% | 4,324 |
Loan and lease loss provision to assets | 0.2900% | 373 |
Net operating income to assets | 3.8433% | 107 |
Return on assets (ROA) | 3.8433% | 108 |
Pretax return on assets | 5.4457% | 86 |
Return on Equity (ROE) | 19.4200% | 667 |
Retained earnings to average equity (ytd only) | 14.9852% | 327 |
Net charge-offs to loans | -0.0038% | 3,779 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 20.7825% | 4,525 |
Assets per employee ($millions) | 16.4257% | 162 |
Cash dividends to net income (ytd only)* | 22.8488% | 2,839 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5453% | 952 |
Loan loss allowance to noncurrent loans | 479.5218% | 1,478 |
Noncurrent assets plus other real estate owned to assets | 0.2510% | 1,958 |
Noncurrent loans to loans | 0.3223% | 2,026 |
Net loans and leases to total assets | 76.6900% | 1,019 |
Net loans and leases to deposits | 105.7123% | 304 |
Net loans and leases to core deposits | 185.9025% | 94 |
Total domestic deposits to total assets | 72.5400% | 4,201 |
Equity capital to assets | 21.4280% | 256 |
Core capital (leverage) ratio | 21.8669% | 209 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $1,174,164,000 | 868 |
Average earning assets | $1,134,314,800 | 832 |
Average equity | $232,336,200 | 475 |
Average total loans | $946,853,800 | 759 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.6951% | 89 |
Cost of funding earning assets | 1.5078% | 1,581 |
Net interest margin | 7.1873% | 51 |
Noninterest income to average assets | 0.1800% | 3,904 |
Noninterest expense to average assets | 1.2417% | 4,467 |
Loan and lease loss provision to assets | 0.1000% | 1,184 |
Net operating income to assets | 4.0812% | 111 |
Return on assets (ROA) | 4.0812% | 110 |
Pretax return on assets | 5.7900% | 84 |
Return on Equity (ROE) | 21.0500% | 635 |
Retained earnings to average equity (ytd only) | 21.0502% | 227 |
Net charge-offs to loans | -0.0050% | 3,746 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 17.4073% | 4,557 |
Assets per employee ($millions) | 16.3747% | 153 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2233% | 2,257 |
Loan loss allowance to noncurrent loans | 385.5491% | 1,712 |
Noncurrent assets plus other real estate owned to assets | 0.2530% | 2,001 |
Noncurrent loans to loans | 0.3173% | 2,093 |
Net loans and leases to total assets | 78.7500% | 785 |
Net loans and leases to deposits | 107.2937% | 264 |
Net loans and leases to core deposits | 192.8487% | 48 |
Total domestic deposits to total assets | 73.4000% | 4,198 |
Equity capital to assets | 21.2348% | 256 |
Core capital (leverage) ratio | 21.3792% | 223 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $1,180,254,500 | 871 |
Average earning assets | $1,141,919,000 | 827 |
Average equity | $228,825,250 | 479 |
Average total loans | $959,675,500 | 758 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.4825% | 94 |
Cost of funding earning assets | 1.3600% | 1,556 |
Net interest margin | 7.1224% | 49 |
Noninterest income to average assets | 0.2200% | 3,636 |
Noninterest expense to average assets | 1.2216% | 4,512 |
Loan and lease loss provision to assets | 0.0700% | 1,542 |
Net operating income to assets | 4.1059% | 96 |
Return on assets (ROA) | 4.1059% | 97 |
Pretax return on assets | 5.8250% | 78 |
Return on Equity (ROE) | 21.8600% | 549 |
Retained earnings to average equity (ytd only) | 21.8583% | 189 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 17.1719% | 4,586 |
Assets per employee ($millions) | 16.9583% | 142 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1360% | 2,770 |
Loan loss allowance to noncurrent loans | 1,065.8631% | 917 |
Noncurrent assets plus other real estate owned to assets | 0.0886% | 2,911 |
Noncurrent loans to loans | 0.1066% | 2,949 |
Net loans and leases to total assets | 82.2100% | 401 |
Net loans and leases to deposits | 108.4015% | 240 |
Net loans and leases to core deposits | 187.5128% | 54 |
Total domestic deposits to total assets | 75.8300% | 4,061 |
Equity capital to assets | 20.1008% | 282 |
Core capital (leverage) ratio | 20.0005% | 269 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $1,186,137,000 | 858 |
Average earning assets | $1,147,755,667 | 820 |
Average equity | $222,808,000 | 479 |
Average total loans | $970,600,667 | 732 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.1253% | 59 |
Cost of funding earning assets | 1.1763% | 1,516 |
Net interest margin | 6.9490% | 50 |
Noninterest income to average assets | 0.1100% | 4,318 |
Noninterest expense to average assets | 1.1677% | 4,580 |
Loan and lease loss provision to assets | 0.0800% | 1,320 |
Net operating income to assets | 3.9359% | 100 |
Return on assets (ROA) | 3.9359% | 100 |
Pretax return on assets | 5.5846% | 82 |
Return on Equity (ROE) | 21.7000% | 607 |
Retained earnings to average equity (ytd only) | 21.6980% | 299 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 17.0815% | 4,648 |
Assets per employee ($millions) | 17.3268% | 137 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0856% | 3,131 |
Loan loss allowance to noncurrent loans | 1,022.7955% | 971 |
Noncurrent assets plus other real estate owned to assets | 0.0879% | 2,935 |
Noncurrent loans to loans | 0.1061% | 3,004 |
Net loans and leases to total assets | 81.9100% | 383 |
Net loans and leases to deposits | 112.7646% | 141 |
Net loans and leases to core deposits | 193.2847% | 40 |
Total domestic deposits to total assets | 72.6300% | 4,337 |
Equity capital to assets | 18.3531% | 291 |
Core capital (leverage) ratio | 18.8771% | 307 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $1,194,144,500 | 868 |
Average earning assets | $1,155,846,500 | 833 |
Average equity | $216,610,000 | 505 |
Average total loans | $969,421,000 | 746 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6067% | 136 |
Cost of funding earning assets | 0.4166% | 1,970 |
Net interest margin | 5.1901% | 119 |
Noninterest income to average assets | 0.2500% | 3,641 |
Noninterest expense to average assets | 1.2135% | 4,607 |
Loan and lease loss provision to assets | 0.0700% | 1,594 |
Net operating income to assets | 2.8212% | 118 |
Return on assets (ROA) | 2.8212% | 115 |
Pretax return on assets | 3.9974% | 92 |
Return on Equity (ROE) | 17.7300% | 744 |
Retained earnings to average equity (ytd only) | 15.1136% | 285 |
Net charge-offs to loans | -0.0001% | 3,266 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 23.0007% | 4,681 |
Assets per employee ($millions) | 17.0350% | 142 |
Cash dividends to net income (ytd only)* | 14.7536% | 3,077 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1399% | 2,699 |
Loan loss allowance to noncurrent loans | 1,285.0422% | 816 |
Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,088 |
Noncurrent loans to loans | 0.0887% | 3,124 |
Net loans and leases to total assets | 78.6000% | 742 |
Net loans and leases to deposits | 102.4205% | 352 |
Net loans and leases to core deposits | 170.4863% | 52 |
Total domestic deposits to total assets | 76.7400% | 4,197 |
Equity capital to assets | 17.9188% | 295 |
Core capital (leverage) ratio | 17.5173% | 353 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $1,230,581,400 | 840 |
Average earning assets | $1,190,875,600 | 797 |
Average equity | $195,817,000 | 538 |
Average total loans | $1,017,528,000 | 670 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9362% | 230 |
Cost of funding earning assets | 0.3143% | 2,022 |
Net interest margin | 4.6219% | 191 |
Noninterest income to average assets | 0.2900% | 3,445 |
Noninterest expense to average assets | 1.0151% | 4,672 |
Loan and lease loss provision to assets | 0.0600% | 1,588 |
Net operating income to assets | 2.5969% | 141 |
Return on assets (ROA) | 2.5969% | 139 |
Pretax return on assets | 3.6803% | 99 |
Return on Equity (ROE) | 16.8200% | 830 |
Retained earnings to average equity (ytd only) | 16.8206% | 225 |
Net charge-offs to loans | -0.0001% | 3,098 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 21.3273% | 4,720 |
Assets per employee ($millions) | 17.7194% | 130 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0433% | 3,286 |
Loan loss allowance to noncurrent loans | 1,060.1420% | 911 |
Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,100 |
Noncurrent loans to loans | 0.0984% | 3,174 |
Net loans and leases to total assets | 81.0900% | 436 |
Net loans and leases to deposits | 102.9789% | 264 |
Net loans and leases to core deposits | 171.4504% | 38 |
Total domestic deposits to total assets | 78.7500% | 4,199 |
Equity capital to assets | 16.7654% | 332 |
Core capital (leverage) ratio | 16.3684% | 409 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $1,244,373,000 | 830 |
Average earning assets | $1,204,408,750 | 794 |
Average equity | $192,116,250 | 546 |
Average total loans | $1,038,278,250 | 659 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3344% | 504 |
Cost of funding earning assets | 0.2806% | 1,896 |
Net interest margin | 4.0538% | 441 |
Noninterest income to average assets | 0.3587% | 2,999 |
Noninterest expense to average assets | 0.9691% | 4,703 |
Loan and lease loss provision to assets | 0.0639% | 1,456 |
Net operating income to assets | 2.2945% | 141 |
Return on assets (ROA) | 2.2945% | 137 |
Pretax return on assets | 3.2484% | 78 |
Return on Equity (ROE) | 15.2895% | 836 |
Retained earnings to average equity (ytd only) | 15.2895% | 242 |
Net charge-offs to loans | -0.0002% | 2,965 |
Credit loss provision to net charge-offs | -40,000.0000% | 3,910 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 22.6357% | 4,746 |
Assets per employee ($millions) | 18.9840% | 112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0088% | 3,556 |
Loan loss allowance to noncurrent loans | 1,000.2927% | 930 |
Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,161 |
Noncurrent loans to loans | 0.1008% | 3,254 |
Net loans and leases to total assets | 80.3018% | 380 |
Net loans and leases to deposits | 100.2614% | 262 |
Net loans and leases to core deposits | 164.5631% | 36 |
Total domestic deposits to total assets | 80.0925% | 4,217 |
Equity capital to assets | 15.5815% | 364 |
Core capital (leverage) ratio | 15.4800% | 423 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,251,618,667 | 822 |
Average earning assets | $1,211,151,667 | 790 |
Average equity | $187,828,333 | 568 |
Average total loans | $1,050,404,000 | 639 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1250% | 609 |
Cost of funding earning assets | 0.2757% | 1,867 |
Net interest margin | 3.8494% | 571 |
Noninterest income to average assets | 0.3297% | 3,127 |
Noninterest expense to average assets | 0.9954% | 4,720 |
Loan and lease loss provision to assets | 0.0640% | 1,267 |
Net operating income to assets | 2.1136% | 180 |
Return on assets (ROA) | 2.1136% | 180 |
Pretax return on assets | 2.9983% | 108 |
Return on Equity (ROE) | 14.3595% | 767 |
Retained earnings to average equity (ytd only) | 14.3595% | 345 |
Net charge-offs to loans | -0.0004% | 2,972 |
Credit loss provision to net charge-offs | -20,000.0000% | 3,600 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 24.5311% | 4,767 |
Assets per employee ($millions) | 19.3137% | 112 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9612% | 3,875 |
Loan loss allowance to noncurrent loans | 952.8910% | 935 |
Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,235 |
Noncurrent loans to loans | 0.1009% | 3,334 |
Net loans and leases to total assets | 82.5098% | 140 |
Net loans and leases to deposits | 102.3467% | 137 |
Net loans and leases to core deposits | 164.0828% | 34 |
Total domestic deposits to total assets | 80.6179% | 4,236 |
Equity capital to assets | 14.9239% | 403 |
Core capital (leverage) ratio | 15.1259% | 418 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,250,956,000 | 826 |
Average earning assets | $1,211,526,000 | 799 |
Average equity | $184,129,000 | 593 |
Average total loans | $1,067,411,000 | 616 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3243% | 819 |
Cost of funding earning assets | 0.3202% | 2,192 |
Net interest margin | 4.0041% | 705 |
Noninterest income to average assets | 0.6176% | 2,086 |
Noninterest expense to average assets | 1.1798% | 4,718 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 2.3335% | 196 |
Return on assets (ROA) | 2.3335% | 206 |
Pretax return on assets | 3.3082% | 110 |
Return on Equity (ROE) | 16.1302% | 733 |
Retained earnings to average equity (ytd only) | 13.7339% | 329 |
Net charge-offs to loans | 0.0069% | 2,321 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 537.5833% | 260 |
Efficiency ratio | 26.2883% | 4,807 |
Assets per employee ($millions) | 18.0655% | 132 |
Cash dividends to net income (ytd only)* | 14.8561% | 3,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9047% | 4,055 |
Loan loss allowance to noncurrent loans | 909.6953% | 926 |
Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,332 |
Noncurrent loans to loans | 0.0995% | 3,433 |
Net loans and leases to total assets | 86.5687% | 51 |
Net loans and leases to deposits | 108.3561% | 90 |
Net loans and leases to core deposits | 175.3705% | 30 |
Total domestic deposits to total assets | 79.8927% | 4,230 |
Equity capital to assets | 14.5127% | 574 |
Core capital (leverage) ratio | 14.6029% | 519 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,170,012,400 | 850 |
Average earning assets | $1,130,930,800 | 816 |
Average equity | $169,260,200 | 636 |
Average total loans | $1,043,305,000 | 631 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2374% | 1,051 |
Cost of funding earning assets | 0.3315% | 2,280 |
Net interest margin | 3.9058% | 930 |
Noninterest income to average assets | 0.5058% | 2,602 |
Noninterest expense to average assets | 1.0519% | 4,827 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 2.2748% | 282 |
Return on assets (ROA) | 2.2748% | 298 |
Pretax return on assets | 3.2279% | 142 |
Return on Equity (ROE) | 15.7384% | 998 |
Retained earnings to average equity (ytd only) | 15.0908% | 385 |
Net charge-offs to loans | 0.0093% | 1,973 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 386.9861% | 358 |
Efficiency ratio | 24.5784% | 4,886 |
Assets per employee ($millions) | 17.6798% | 136 |
Cash dividends to net income (ytd only)* | 4.1149% | 3,159 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9536% | 3,997 |
Loan loss allowance to noncurrent loans | 706.7432% | 1,033 |
Noncurrent assets plus other real estate owned to assets | 0.1160% | 3,338 |
Noncurrent loans to loans | 0.1349% | 3,432 |
Net loans and leases to total assets | 85.1173% | 88 |
Net loans and leases to deposits | 106.6080% | 125 |
Net loans and leases to core deposits | 169.2888% | 45 |
Total domestic deposits to total assets | 79.8415% | 4,250 |
Equity capital to assets | 14.6448% | 608 |
Core capital (leverage) ratio | 14.6911% | 532 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,150,885,750 | 869 |
Average earning assets | $1,112,050,250 | 834 |
Average equity | $166,349,250 | 657 |
Average total loans | $1,031,894,500 | 650 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1982% | 1,192 |
Cost of funding earning assets | 0.3495% | 2,321 |
Net interest margin | 3.8486% | 1,069 |
Noninterest income to average assets | 0.4482% | 2,854 |
Noninterest expense to average assets | 1.0475% | 4,860 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 2.1960% | 343 |
Return on assets (ROA) | 2.1960% | 360 |
Pretax return on assets | 3.1165% | 167 |
Return on Equity (ROE) | 15.2645% | 1,094 |
Retained earnings to average equity (ytd only) | 15.2645% | 400 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 25.1557% | 4,919 |
Assets per employee ($millions) | 18.1275% | 128 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9405% | 4,024 |
Loan loss allowance to noncurrent loans | 517.9541% | 1,245 |
Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,176 |
Noncurrent loans to loans | 0.1816% | 3,315 |
Net loans and leases to total assets | 88.7065% | 28 |
Net loans and leases to deposits | 110.6245% | 108 |
Net loans and leases to core deposits | 180.0328% | 41 |
Total domestic deposits to total assets | 80.1871% | 4,212 |
Equity capital to assets | 14.3959% | 637 |
Core capital (leverage) ratio | 14.9395% | 480 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,133,772,667 | 873 |
Average earning assets | $1,094,622,000 | 841 |
Average equity | $163,111,000 | 664 |
Average total loans | $1,031,474,667 | 656 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2407% | 1,132 |
Cost of funding earning assets | 0.3807% | 2,254 |
Net interest margin | 3.8600% | 1,046 |
Noninterest income to average assets | 0.3512% | 3,336 |
Noninterest expense to average assets | 1.1199% | 4,881 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 2.0829% | 508 |
Return on assets (ROA) | 2.0829% | 544 |
Pretax return on assets | 2.9570% | 242 |
Return on Equity (ROE) | 14.4832% | 1,332 |
Retained earnings to average equity (ytd only) | 14.4832% | 695 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 27.4693% | 4,931 |
Assets per employee ($millions) | 17.0356% | 143 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9577% | 3,995 |
Loan loss allowance to noncurrent loans | 777.7429% | 829 |
Noncurrent assets plus other real estate owned to assets | 0.1135% | 3,607 |
Noncurrent loans to loans | 0.1231% | 3,697 |
Net loans and leases to total assets | 91.2783% | 18 |
Net loans and leases to deposits | 116.2784% | 88 |
Net loans and leases to core deposits | 185.0605% | 47 |
Total domestic deposits to total assets | 78.4998% | 4,388 |
Equity capital to assets | 14.4793% | 577 |
Core capital (leverage) ratio | 14.6819% | 532 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,111,514,000 | 880 |
Average earning assets | $1,072,843,000 | 845 |
Average equity | $159,854,000 | 670 |
Average total loans | $1,019,640,000 | 665 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5298% | 1,238 |
Cost of funding earning assets | 0.8174% | 1,140 |
Net interest margin | 3.7124% | 1,755 |
Noninterest income to average assets | 0.3572% | 3,331 |
Noninterest expense to average assets | 1.2318% | 4,892 |
Loan and lease loss provision to assets | 0.1645% | 2,322 |
Net operating income to assets | 1.7904% | 398 |
Return on assets (ROA) | 1.7904% | 428 |
Pretax return on assets | 2.5410% | 179 |
Return on Equity (ROE) | 12.3532% | 1,221 |
Retained earnings to average equity (ytd only) | 10.3385% | 524 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.2380% | 4,953 |
Assets per employee ($millions) | 16.1570% | 148 |
Cash dividends to net income (ytd only)* | 16.3091% | 3,381 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9894% | 3,912 |
Loan loss allowance to noncurrent loans | 756.4024% | 838 |
Noncurrent assets plus other real estate owned to assets | 0.1194% | 3,691 |
Noncurrent loans to loans | 0.1308% | 3,758 |
Net loans and leases to total assets | 90.3945% | 26 |
Net loans and leases to deposits | 117.0655% | 92 |
Net loans and leases to core deposits | 191.5983% | 45 |
Total domestic deposits to total assets | 77.2170% | 4,388 |
Equity capital to assets | 14.2817% | 737 |
Core capital (leverage) ratio | 14.4978% | 595 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,033,561,800 | 855 |
Average earning assets | $996,719,400 | 818 |
Average equity | $149,799,600 | 678 |
Average total loans | $943,501,600 | 682 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5529% | 1,445 |
Cost of funding earning assets | 0.9258% | 977 |
Net interest margin | 3.6271% | 2,169 |
Noninterest income to average assets | 0.3527% | 3,342 |
Noninterest expense to average assets | 1.1497% | 4,949 |
Loan and lease loss provision to assets | 0.1376% | 2,635 |
Net operating income to assets | 1.8084% | 439 |
Return on assets (ROA) | 1.8084% | 490 |
Pretax return on assets | 2.5661% | 192 |
Return on Equity (ROE) | 12.4285% | 1,267 |
Retained earnings to average equity (ytd only) | 12.4285% | 381 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 29.7881% | 4,992 |
Assets per employee ($millions) | 15.2397% | 153 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9576% | 3,856 |
Loan loss allowance to noncurrent loans | 687.4722% | 832 |
Noncurrent assets plus other real estate owned to assets | 0.1265% | 3,793 |
Noncurrent loans to loans | 0.1393% | 3,826 |
Net loans and leases to total assets | 89.9162% | 41 |
Net loans and leases to deposits | 117.2630% | 134 |
Net loans and leases to core deposits | 180.3027% | 52 |
Total domestic deposits to total assets | 76.6790% | 4,365 |
Equity capital to assets | 14.5197% | 726 |
Core capital (leverage) ratio | 14.8460% | 568 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,017,282,750 | 853 |
Average earning assets | $981,854,250 | 815 |
Average equity | $148,022,000 | 673 |
Average total loans | $928,610,000 | 683 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7327% | 1,323 |
Cost of funding earning assets | 1.0673% | 799 |
Net interest margin | 3.6654% | 2,280 |
Noninterest income to average assets | 0.4185% | 2,978 |
Noninterest expense to average assets | 1.2051% | 4,974 |
Loan and lease loss provision to assets | 0.0899% | 3,144 |
Net operating income to assets | 1.8739% | 423 |
Return on assets (ROA) | 1.8739% | 469 |
Pretax return on assets | 2.6595% | 165 |
Return on Equity (ROE) | 12.8689% | 1,132 |
Retained earnings to average equity (ytd only) | 12.8689% | 375 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.4225% | 5,015 |
Assets per employee ($millions) | 15.8664% | 147 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9195% | 3,917 |
Loan loss allowance to noncurrent loans | 594.5168% | 879 |
Noncurrent assets plus other real estate owned to assets | 0.1393% | 3,821 |
Noncurrent loans to loans | 0.1547% | 3,837 |
Net loans and leases to total assets | 89.2575% | 41 |
Net loans and leases to deposits | 117.6430% | 111 |
Net loans and leases to core deposits | 179.4854% | 53 |
Total domestic deposits to total assets | 75.8714% | 4,441 |
Equity capital to assets | 14.3639% | 762 |
Core capital (leverage) ratio | 14.7283% | 617 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,000,784,000 | 852 |
Average earning assets | $965,457,333 | 814 |
Average equity | $145,731,667 | 676 |
Average total loans | $915,319,667 | 683 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2224% | 634 |
Cost of funding earning assets | 1.2360% | 681 |
Net interest margin | 3.9864% | 1,428 |
Noninterest income to average assets | 0.3327% | 3,536 |
Noninterest expense to average assets | 1.2725% | 5,013 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 2.0491% | 248 |
Return on assets (ROA) | 2.0491% | 269 |
Pretax return on assets | 2.9072% | 102 |
Return on Equity (ROE) | 13.9703% | 702 |
Retained earnings to average equity (ytd only) | 13.9703% | 253 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.3965% | 5,063 |
Assets per employee ($millions) | 14.3802% | 142 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9170% | 4,049 |
Loan loss allowance to noncurrent loans | 622.5587% | 802 |
Noncurrent assets plus other real estate owned to assets | 0.1351% | 3,963 |
Noncurrent loans to loans | 0.1473% | 3,931 |
Net loans and leases to total assets | 90.8747% | 21 |
Net loans and leases to deposits | 113.9730% | 133 |
Net loans and leases to core deposits | 187.3339% | 46 |
Total domestic deposits to total assets | 79.7335% | 3,902 |
Equity capital to assets | 14.9297% | 773 |
Core capital (leverage) ratio | 15.0987% | 666 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $977,585,000 | 841 |
Average earning assets | $943,401,500 | 801 |
Average equity | $143,389,500 | 682 |
Average total loans | $901,298,500 | 668 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8328% | 306 |
Cost of funding earning assets | 1.3915% | 584 |
Net interest margin | 4.4414% | 820 |
Noninterest income to average assets | 0.1967% | 4,484 |
Noninterest expense to average assets | 1.3773% | 5,050 |
Loan and lease loss provision to assets | 0.0389% | 3,239 |
Net operating income to assets | 2.1559% | 245 |
Return on assets (ROA) | 2.1559% | 258 |
Pretax return on assets | 3.0608% | 95 |
Return on Equity (ROE) | 15.6978% | 576 |
Retained earnings to average equity (ytd only) | 13.4301% | 146 |
Net charge-offs to loans | -0.0085% | 4,427 |
Credit loss provision to net charge-offs | -493.4211% | 4,422 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.7290% | 5,133 |
Assets per employee ($millions) | 14.8078% | 127 |
Cash dividends to net income (ytd only)* | 14.4458% | 3,648 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9080% | 3,923 |
Loan loss allowance to noncurrent loans | 605.5965% | 836 |
Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,946 |
Noncurrent loans to loans | 0.1499% | 3,927 |
Net loans and leases to total assets | 91.8359% | 18 |
Net loans and leases to deposits | 112.8617% | 142 |
Net loans and leases to core deposits | 196.6140% | 43 |
Total domestic deposits to total assets | 81.3703% | 3,687 |
Equity capital to assets | 14.4056% | 963 |
Core capital (leverage) ratio | 14.2294% | 870 |
Tier 1 risk-based capital ratio | 16.8171% | 2,116 |
Total risk-based capital ratio | 17.8135% | 2,137 |
Memoranda: | ||
Average total assets | $964,569,000 | 811 |
Average earning assets | $929,600,600 | 771 |
Average equity | $132,470,600 | 694 |
Average total loans | $893,597,800 | 645 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9343% | 273 |
Cost of funding earning assets | 1.3796% | 612 |
Net interest margin | 4.5547% | 680 |
Noninterest income to average assets | 0.1498% | 4,799 |
Noninterest expense to average assets | 1.3135% | 5,140 |
Loan and lease loss provision to assets | 0.0520% | 2,866 |
Net operating income to assets | 2.2349% | 257 |
Return on assets (ROA) | 2.2349% | 266 |
Pretax return on assets | 3.1738% | 97 |
Return on Equity (ROE) | 16.4782% | 537 |
Retained earnings to average equity (ytd only) | 16.4782% | 96 |
Net charge-offs to loans | -0.0114% | 4,415 |
Credit loss provision to net charge-offs | -493.4211% | 4,324 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.8992% | 5,215 |
Assets per employee ($millions) | 14.6682% | 133 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8938% | 4,071 |
Loan loss allowance to noncurrent loans | 496.6184% | 992 |
Noncurrent assets plus other real estate owned to assets | 0.1685% | 3,902 |
Noncurrent loans to loans | 0.1800% | 3,888 |
Net loans and leases to total assets | 92.7904% | 12 |
Net loans and leases to deposits | 111.3074% | 199 |
Net loans and leases to core deposits | 193.0747% | 47 |
Total domestic deposits to total assets | 83.3640% | 3,038 |
Equity capital to assets | 14.1089% | 1,109 |
Core capital (leverage) ratio | 14.0982% | 960 |
Tier 1 risk-based capital ratio | 16.5123% | 2,266 |
Total risk-based capital ratio | 17.5060% | 2,275 |
Memoranda: | ||
Average total assets | $961,381,750 | 812 |
Average earning assets | $926,523,000 | 775 |
Average equity | $130,391,000 | 703 |
Average total loans | $890,559,000 | 647 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0228% | 221 |
Cost of funding earning assets | 1.3331% | 678 |
Net interest margin | 4.6897% | 500 |
Noninterest income to average assets | 0.1572% | 4,794 |
Noninterest expense to average assets | 1.3424% | 5,188 |
Loan and lease loss provision to assets | 0.0786% | 2,246 |
Net operating income to assets | 2.2971% | 219 |
Return on assets (ROA) | 2.2971% | 228 |
Pretax return on assets | 3.2612% | 96 |
Return on Equity (ROE) | 17.1739% | 449 |
Retained earnings to average equity (ytd only) | 17.1739% | 102 |
Net charge-offs to loans | -0.0173% | 4,504 |
Credit loss provision to net charge-offs | -493.4211% | 4,130 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.6347% | 5,261 |
Assets per employee ($millions) | 14.3469% | 117 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9370% | 3,934 |
Loan loss allowance to noncurrent loans | 574.3017% | 899 |
Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,017 |
Noncurrent loans to loans | 0.1632% | 3,967 |
Net loans and leases to total assets | 90.4513% | 47 |
Net loans and leases to deposits | 108.1541% | 266 |
Net loans and leases to core deposits | 187.6072% | 51 |
Total domestic deposits to total assets | 83.6319% | 2,995 |
Equity capital to assets | 13.8574% | 1,180 |
Core capital (leverage) ratio | 13.9997% | 961 |
Tier 1 risk-based capital ratio | 16.4277% | 2,270 |
Total risk-based capital ratio | 17.4569% | 2,279 |
Memoranda: | ||
Average total assets | $954,252,670 | 815 |
Average earning assets | $920,741,670 | 778 |
Average equity | $127,635,330 | 711 |
Average total loans | $880,699,000 | 657 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0095% | 220 |
Cost of funding earning assets | 1.2783% | 708 |
Net interest margin | 4.7311% | 465 |
Noninterest income to average assets | 0.2209% | 4,427 |
Noninterest expense to average assets | 1.3539% | 5,242 |
Loan and lease loss provision to assets | 0.0787% | 2,112 |
Net operating income to assets | 2.3686% | 205 |
Return on assets (ROA) | 2.3686% | 217 |
Pretax return on assets | 3.3598% | 96 |
Return on Equity (ROE) | 18.0374% | 395 |
Retained earnings to average equity (ytd only) | 18.0374% | 144 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.2153% | 5,324 |
Assets per employee ($millions) | 14.0342% | 127 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9039% | 4,137 |
Loan loss allowance to noncurrent loans | 537.8378% | 990 |
Noncurrent assets plus other real estate owned to assets | 0.1551% | 4,030 |
Noncurrent loans to loans | 0.1681% | 3,998 |
Net loans and leases to total assets | 91.4474% | 24 |
Net loans and leases to deposits | 107.7377% | 276 |
Net loans and leases to core deposits | 190.2153% | 44 |
Total domestic deposits to total assets | 84.8796% | 2,725 |
Equity capital to assets | 13.3880% | 1,254 |
Core capital (leverage) ratio | 13.3322% | 1,138 |
Tier 1 risk-based capital ratio | 15.6054% | 2,609 |
Total risk-based capital ratio | 16.5925% | 2,646 |
Memoranda: | ||
Average total assets | $950,757,000 | 826 |
Average earning assets | $918,685,500 | 784 |
Average equity | $124,851,500 | 723 |
Average total loans | $882,207,500 | 658 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5526% | 358 |
Cost of funding earning assets | 0.9407% | 965 |
Net interest margin | 4.6120% | 591 |
Noninterest income to average assets | 0.1963% | 4,728 |
Noninterest expense to average assets | 1.3642% | 5,279 |
Loan and lease loss provision to assets | 0.0703% | 2,732 |
Net operating income to assets | 2.2834% | 222 |
Return on assets (ROA) | 2.2834% | 212 |
Pretax return on assets | 3.2319% | 80 |
Return on Equity (ROE) | 18.7011% | 328 |
Retained earnings to average equity (ytd only) | 16.0720% | 87 |
Net charge-offs to loans | -0.0058% | 4,379 |
Credit loss provision to net charge-offs | -1,326.5306% | 4,773 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 29.1878% | 5,369 |
Assets per employee ($millions) | 13.7273% | 129 |
Cash dividends to net income (ytd only)* | 14.0583% | 3,704 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8796% | 4,248 |
Loan loss allowance to noncurrent loans | 515.7930% | 1,071 |
Noncurrent assets plus other real estate owned to assets | 0.1591% | 4,031 |
Noncurrent loans to loans | 0.1705% | 3,986 |
Net loans and leases to total assets | 92.4817% | 24 |
Net loans and leases to deposits | 108.9311% | 278 |
Net loans and leases to core deposits | 183.2620% | 51 |
Total domestic deposits to total assets | 84.8993% | 2,687 |
Equity capital to assets | 12.8737% | 1,403 |
Core capital (leverage) ratio | 12.8132% | 1,317 |
Tier 1 risk-based capital ratio | 15.2531% | 2,720 |
Total risk-based capital ratio | 16.2397% | 2,764 |
Memoranda: | ||
Average total assets | $924,273,000 | 827 |
Average earning assets | $895,866,600 | 787 |
Average equity | $112,854,400 | 756 |
Average total loans | $839,970,000 | 665 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3856% | 448 |
Cost of funding earning assets | 0.8695% | 1,037 |
Net interest margin | 4.5161% | 716 |
Noninterest income to average assets | 0.2161% | 4,676 |
Noninterest expense to average assets | 1.2705% | 5,380 |
Loan and lease loss provision to assets | 0.0689% | 2,594 |
Net operating income to assets | 2.3000% | 228 |
Return on assets (ROA) | 2.3000% | 222 |
Pretax return on assets | 3.2530% | 90 |
Return on Equity (ROE) | 19.1042% | 329 |
Retained earnings to average equity (ytd only) | 19.1042% | 68 |
Net charge-offs to loans | -0.0047% | 4,214 |
Credit loss provision to net charge-offs | -1,637.9310% | 4,716 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 27.6178% | 5,441 |
Assets per employee ($millions) | 13.3476% | 145 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8857% | 4,324 |
Loan loss allowance to noncurrent loans | 459.8301% | 1,178 |
Noncurrent assets plus other real estate owned to assets | 0.1739% | 4,082 |
Noncurrent loans to loans | 0.1926% | 4,020 |
Net loans and leases to total assets | 89.4786% | 91 |
Net loans and leases to deposits | 103.1950% | 591 |
Net loans and leases to core deposits | 170.9648% | 68 |
Total domestic deposits to total assets | 86.7083% | 1,865 |
Equity capital to assets | 12.5524% | 1,549 |
Core capital (leverage) ratio | 12.9102% | 1,322 |
Tier 1 risk-based capital ratio | 15.1370% | 2,823 |
Total risk-based capital ratio | 16.1159% | 2,858 |
Memoranda: | ||
Average total assets | $918,544,750 | 827 |
Average earning assets | $890,122,250 | 790 |
Average equity | $110,583,500 | 772 |
Average total loans | $829,025,750 | 670 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2941% | 478 |
Cost of funding earning assets | 0.7996% | 1,130 |
Net interest margin | 4.4945% | 709 |
Noninterest income to average assets | 0.1994% | 4,823 |
Noninterest expense to average assets | 1.2079% | 5,453 |
Loan and lease loss provision to assets | 0.0660% | 2,581 |
Net operating income to assets | 2.3254% | 193 |
Return on assets (ROA) | 2.3254% | 188 |
Pretax return on assets | 3.2847% | 86 |
Return on Equity (ROE) | 19.6062% | 289 |
Retained earnings to average equity (ytd only) | 19.6062% | 73 |
Net charge-offs to loans | -0.0068% | 4,187 |
Credit loss provision to net charge-offs | -1,071.4286% | 4,524 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 26.4494% | 5,507 |
Assets per employee ($millions) | 12.6580% | 164 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8585% | 4,523 |
Loan loss allowance to noncurrent loans | 464.3664% | 1,159 |
Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,111 |
Noncurrent loans to loans | 0.1849% | 4,077 |
Net loans and leases to total assets | 93.7910% | 11 |
Net loans and leases to deposits | 107.8959% | 353 |
Net loans and leases to core deposits | 174.3748% | 54 |
Total domestic deposits to total assets | 86.9273% | 1,869 |
Equity capital to assets | 12.4482% | 1,569 |
Core capital (leverage) ratio | 12.4623% | 1,460 |
Tier 1 risk-based capital ratio | 14.5900% | 3,078 |
Total risk-based capital ratio | 15.5569% | 3,128 |
Memoranda: | ||
Average total assets | $908,833,330 | 841 |
Average earning assets | $881,474,000 | 798 |
Average equity | $107,792,670 | 792 |
Average total loans | $820,185,000 | 672 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7876% | 1,108 |
Cost of funding earning assets | 0.7286% | 1,300 |
Net interest margin | 4.0590% | 1,539 |
Noninterest income to average assets | 0.2490% | 4,515 |
Noninterest expense to average assets | 1.1856% | 5,523 |
Loan and lease loss provision to assets | 0.0661% | 2,450 |
Net operating income to assets | 2.0931% | 300 |
Return on assets (ROA) | 2.0931% | 301 |
Pretax return on assets | 2.9358% | 120 |
Return on Equity (ROE) | 18.0976% | 397 |
Retained earnings to average equity (ytd only) | 18.0976% | 149 |
Net charge-offs to loans | -0.0005% | 3,740 |
Credit loss provision to net charge-offs | -15,000.0000% | 4,529 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.2602% | 5,570 |
Assets per employee ($millions) | 12.2577% | 188 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8689% | 4,568 |
Loan loss allowance to noncurrent loans | 130.7692% | 2,982 |
Noncurrent assets plus other real estate owned to assets | 0.6091% | 2,481 |
Noncurrent loans to loans | 0.6645% | 2,557 |
Net loans and leases to total assets | 90.8715% | 44 |
Net loans and leases to deposits | 103.9697% | 478 |
Net loans and leases to core deposits | 162.0533% | 80 |
Total domestic deposits to total assets | 87.4019% | 1,954 |
Equity capital to assets | 11.8494% | 1,880 |
Core capital (leverage) ratio | 12.0900% | 1,596 |
Tier 1 risk-based capital ratio | 14.1286% | 3,313 |
Total risk-based capital ratio | 15.0939% | 3,384 |
Memoranda: | ||
Average total assets | $907,563,000 | 849 |
Average earning assets | $880,603,500 | 802 |
Average equity | $104,964,000 | 811 |
Average total loans | $799,183,000 | 693 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5370% | 1,594 |
Cost of funding earning assets | 0.7081% | 983 |
Net interest margin | 3.8289% | 2,324 |
Noninterest income to average assets | 0.2226% | 4,815 |
Noninterest expense to average assets | 1.2412% | 5,579 |
Loan and lease loss provision to assets | 0.0339% | 3,583 |
Net operating income to assets | 1.3153% | 1,188 |
Return on assets (ROA) | 1.3153% | 1,204 |
Pretax return on assets | 2.6552% | 146 |
Return on Equity (ROE) | 11.7803% | 1,273 |
Retained earnings to average equity (ytd only) | 9.4305% | 434 |
Net charge-offs to loans | -0.0170% | 4,910 |
Credit loss provision to net charge-offs | -232.5581% | 4,827 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.5166% | 5,622 |
Assets per employee ($millions) | 13.7584% | 119 |
Cash dividends to net income (ytd only)* | 19.9467% | 3,675 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9225% | 4,361 |
Loan loss allowance to noncurrent loans | 130.6854% | 3,069 |
Noncurrent assets plus other real estate owned to assets | 0.5961% | 2,568 |
Noncurrent loans to loans | 0.7059% | 2,444 |
Net loans and leases to total assets | 83.6731% | 483 |
Net loans and leases to deposits | 96.7043% | 1,021 |
Net loans and leases to core deposits | 141.8070% | 191 |
Total domestic deposits to total assets | 86.5247% | 2,218 |
Equity capital to assets | 11.2818% | 2,379 |
Core capital (leverage) ratio | 11.0731% | 2,265 |
Tier 1 risk-based capital ratio | 14.5478% | 3,067 |
Total risk-based capital ratio | 15.5733% | 3,089 |
Memoranda: | ||
Average total assets | $884,638,800 | 846 |
Average earning assets | $856,647,200 | 801 |
Average equity | $98,775,400 | 835 |
Average total loans | $759,058,600 | 691 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5224% | 1,579 |
Cost of funding earning assets | 0.7009% | 960 |
Net interest margin | 3.8214% | 2,310 |
Noninterest income to average assets | 0.2447% | 4,736 |
Noninterest expense to average assets | 1.1441% | 5,658 |
Loan and lease loss provision to assets | 0.0228% | 3,686 |
Net operating income to assets | 1.6231% | 678 |
Return on assets (ROA) | 1.6231% | 699 |
Pretax return on assets | 2.7760% | 143 |
Return on Equity (ROE) | 14.5759% | 723 |
Retained earnings to average equity (ytd only) | 14.5759% | 132 |
Net charge-offs to loans | -0.0440% | 5,125 |
Credit loss provision to net charge-offs | -60.0000% | 4,457 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.9518% | 5,695 |
Assets per employee ($millions) | 13.9723% | 109 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9156% | 4,488 |
Loan loss allowance to noncurrent loans | 128.7228% | 3,092 |
Noncurrent assets plus other real estate owned to assets | 0.6026% | 2,709 |
Noncurrent loans to loans | 0.7113% | 2,577 |
Net loans and leases to total assets | 83.9427% | 435 |
Net loans and leases to deposits | 95.4417% | 1,159 |
Net loans and leases to core deposits | 140.6607% | 196 |
Total domestic deposits to total assets | 87.9519% | 1,387 |
Equity capital to assets | 11.3959% | 2,472 |
Core capital (leverage) ratio | 11.2528% | 2,219 |
Tier 1 risk-based capital ratio | 15.1225% | 2,872 |
Total risk-based capital ratio | 16.1734% | 2,877 |
Memoranda: | ||
Average total assets | $878,785,250 | 857 |
Average earning assets | $850,445,250 | 815 |
Average equity | $97,858,000 | 847 |
Average total loans | $757,105,750 | 695 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4188% | 1,759 |
Cost of funding earning assets | 0.6891% | 944 |
Net interest margin | 3.7296% | 2,545 |
Noninterest income to average assets | 0.2831% | 4,533 |
Noninterest expense to average assets | 1.0958% | 5,721 |
Loan and lease loss provision to assets | 0.0345% | 3,303 |
Net operating income to assets | 1.6320% | 648 |
Return on assets (ROA) | 1.6320% | 669 |
Pretax return on assets | 2.7614% | 147 |
Return on Equity (ROE) | 14.7763% | 701 |
Retained earnings to average equity (ytd only) | 14.7763% | 151 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.0915% | 5,747 |
Assets per employee ($millions) | 14.1169% | 104 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9337% | 4,496 |
Loan loss allowance to noncurrent loans | 119.9259% | 3,226 |
Noncurrent assets plus other real estate owned to assets | 0.6271% | 2,683 |
Noncurrent loans to loans | 0.7786% | 2,456 |
Net loans and leases to total assets | 79.7942% | 985 |
Net loans and leases to deposits | 90.2153% | 1,702 |
Net loans and leases to core deposits | 133.6899% | 259 |
Total domestic deposits to total assets | 88.4486% | 1,231 |
Equity capital to assets | 11.0335% | 2,771 |
Core capital (leverage) ratio | 11.2677% | 2,159 |
Tier 1 risk-based capital ratio | 15.2753% | 2,816 |
Total risk-based capital ratio | 16.3392% | 2,824 |
Memoranda: | ||
Average total assets | $868,980,670 | 870 |
Average earning assets | $840,779,670 | 833 |
Average equity | $95,978,330 | 860 |
Average total loans | $753,003,670 | 700 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5399% | 1,277 |
Cost of funding earning assets | 0.6803% | 924 |
Net interest margin | 3.8595% | 1,924 |
Noninterest income to average assets | 0.3954% | 3,698 |
Noninterest expense to average assets | 1.1567% | 5,778 |
Loan and lease loss provision to assets | 0.0704% | 2,399 |
Net operating income to assets | 1.7250% | 523 |
Return on assets (ROA) | 1.7250% | 532 |
Pretax return on assets | 2.8981% | 145 |
Return on Equity (ROE) | 15.6091% | 577 |
Retained earnings to average equity (ytd only) | 15.6091% | 212 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 27.9713% | 5,810 |
Assets per employee ($millions) | 14.1457% | 105 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8909% | 4,792 |
Loan loss allowance to noncurrent loans | 117.1350% | 3,326 |
Noncurrent assets plus other real estate owned to assets | 0.6723% | 2,611 |
Noncurrent loans to loans | 0.7606% | 2,581 |
Net loans and leases to total assets | 87.6038% | 129 |
Net loans and leases to deposits | 99.4120% | 653 |
Net loans and leases to core deposits | 146.2376% | 122 |
Total domestic deposits to total assets | 88.1220% | 1,646 |
Equity capital to assets | 11.1479% | 2,480 |
Core capital (leverage) ratio | 11.1067% | 2,267 |
Tier 1 risk-based capital ratio | 14.3583% | 3,279 |
Total risk-based capital ratio | 15.3953% | 3,308 |
Memoranda: | ||
Average total assets | $851,729,500 | 891 |
Average earning assets | $823,110,500 | 848 |
Average equity | $94,124,500 | 869 |
Average total loans | $765,644,500 | 692 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7332% | 999 |
Cost of funding earning assets | 0.6846% | 887 |
Net interest margin | 4.0486% | 1,501 |
Noninterest income to average assets | 0.3790% | 4,041 |
Noninterest expense to average assets | 1.3808% | 5,783 |
Loan and lease loss provision to assets | 0.0768% | 2,823 |
Net operating income to assets | 1.6392% | 627 |
Return on assets (ROA) | 1.6392% | 651 |
Pretax return on assets | 2.8303% | 132 |
Return on Equity (ROE) | 14.6835% | 672 |
Retained earnings to average equity (ytd only) | 12.2806% | 204 |
Net charge-offs to loans | 0.0178% | 3,711 |
Credit loss provision to net charge-offs | 480.0000% | 685 |
Earnings coverage of net charge-offs (x) | 181.8000% | 362 |
Efficiency ratio | 32.1251% | 5,860 |
Assets per employee ($millions) | 14.4926% | 95 |
Cash dividends to net income (ytd only)* | 16.3649% | 3,847 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8646% | 4,915 |
Loan loss allowance to noncurrent loans | 111.8875% | 3,390 |
Noncurrent assets plus other real estate owned to assets | 0.7065% | 2,611 |
Noncurrent loans to loans | 0.7727% | 2,594 |
Net loans and leases to total assets | 90.6439% | 54 |
Net loans and leases to deposits | 102.9143% | 473 |
Net loans and leases to core deposits | 146.8219% | 134 |
Total domestic deposits to total assets | 88.0771% | 1,595 |
Equity capital to assets | 10.9515% | 2,665 |
Core capital (leverage) ratio | 10.9158% | 2,429 |
Tier 1 risk-based capital ratio | 13.7506% | 3,611 |
Total risk-based capital ratio | 14.7643% | 3,662 |
Memoranda: | ||
Average total assets | $781,720,800 | 923 |
Average earning assets | $754,730,600 | 883 |
Average equity | $87,267,800 | 911 |
Average total loans | $701,767,000 | 719 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7605% | 968 |
Cost of funding earning assets | 0.6824% | 894 |
Net interest margin | 4.0782% | 1,451 |
Noninterest income to average assets | 0.4539% | 3,532 |
Noninterest expense to average assets | 1.2714% | 5,880 |
Loan and lease loss provision to assets | 0.0782% | 2,661 |
Net operating income to assets | 1.7769% | 510 |
Return on assets (ROA) | 1.7769% | 538 |
Pretax return on assets | 3.0427% | 122 |
Return on Equity (ROE) | 15.8346% | 563 |
Retained earnings to average equity (ytd only) | 15.8346% | 112 |
Net charge-offs to loans | 0.0243% | 3,181 |
Credit loss provision to net charge-offs | 360.0000% | 910 |
Earnings coverage of net charge-offs (x) | 143.6342% | 482 |
Efficiency ratio | 28.8705% | 5,941 |
Assets per employee ($millions) | 13.5920% | 109 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9215% | 4,799 |
Loan loss allowance to noncurrent loans | 92.7592% | 3,769 |
Noncurrent assets plus other real estate owned to assets | 0.8586% | 2,409 |
Noncurrent loans to loans | 0.9934% | 2,258 |
Net loans and leases to total assets | 85.6329% | 276 |
Net loans and leases to deposits | 97.0207% | 950 |
Net loans and leases to core deposits | 139.5486% | 201 |
Total domestic deposits to total assets | 88.2625% | 1,258 |
Equity capital to assets | 11.1713% | 2,824 |
Core capital (leverage) ratio | 11.3859% | 2,122 |
Tier 1 risk-based capital ratio | 14.3790% | 3,339 |
Total risk-based capital ratio | 15.4265% | 3,394 |
Memoranda: | ||
Average total assets | $767,007,750 | 940 |
Average earning assets | $740,740,000 | 897 |
Average equity | $86,071,000 | 927 |
Average total loans | $685,065,500 | 728 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9345% | 664 |
Cost of funding earning assets | 0.6800% | 892 |
Net interest margin | 4.2545% | 1,011 |
Noninterest income to average assets | 0.5197% | 3,069 |
Noninterest expense to average assets | 1.2868% | 5,951 |
Loan and lease loss provision to assets | 0.0799% | 2,541 |
Net operating income to assets | 1.9168% | 389 |
Return on assets (ROA) | 1.9168% | 404 |
Pretax return on assets | 3.2593% | 106 |
Return on Equity (ROE) | 17.0535% | 435 |
Retained earnings to average equity (ytd only) | 17.0535% | 95 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 27.7423% | 6,018 |
Assets per employee ($millions) | 13.3706% | 114 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9136% | 4,910 |
Loan loss allowance to noncurrent loans | 91.3068% | 3,885 |
Noncurrent assets plus other real estate owned to assets | 0.9137% | 2,329 |
Noncurrent loans to loans | 1.0006% | 2,288 |
Net loans and leases to total assets | 90.4817% | 56 |
Net loans and leases to deposits | 102.5845% | 531 |
Net loans and leases to core deposits | 151.9108% | 115 |
Total domestic deposits to total assets | 88.2021% | 1,321 |
Equity capital to assets | 11.3486% | 2,697 |
Core capital (leverage) ratio | 11.2118% | 2,223 |
Tier 1 risk-based capital ratio | 13.6075% | 3,832 |
Total risk-based capital ratio | 14.6303% | 3,883 |
Memoranda: | ||
Average total assets | $750,836,670 | 959 |
Average earning assets | $724,696,000 | 914 |
Average equity | $84,393,330 | 942 |
Average total loans | $678,471,000 | 734 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2609% | 378 |
Cost of funding earning assets | 0.6723% | 935 |
Net interest margin | 4.5885% | 510 |
Noninterest income to average assets | 0.6668% | 2,183 |
Noninterest expense to average assets | 1.3210% | 5,992 |
Loan and lease loss provision to assets | 0.0812% | 2,333 |
Net operating income to assets | 2.1719% | 240 |
Return on assets (ROA) | 2.1719% | 253 |
Pretax return on assets | 3.6929% | 86 |
Return on Equity (ROE) | 19.4222% | 271 |
Retained earnings to average equity (ytd only) | 19.4222% | 104 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 25.8637% | 6,086 |
Assets per employee ($millions) | 12.4003% | 142 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9493% | 4,851 |
Loan loss allowance to noncurrent loans | 55.5360% | 4,706 |
Noncurrent assets plus other real estate owned to assets | 1.5621% | 1,285 |
Noncurrent loans to loans | 1.7093% | 1,319 |
Net loans and leases to total assets | 87.1811% | 159 |
Net loans and leases to deposits | 99.1678% | 678 |
Net loans and leases to core deposits | 145.0284% | 133 |
Total domestic deposits to total assets | 87.9128% | 1,690 |
Equity capital to assets | 11.2010% | 2,725 |
Core capital (leverage) ratio | 11.4938% | 1,973 |
Tier 1 risk-based capital ratio | 13.7193% | 3,853 |
Total risk-based capital ratio | 14.7664% | 3,893 |
Memoranda: | ||
Average total assets | $738,507,000 | 981 |
Average earning assets | $712,732,500 | 934 |
Average equity | $82,586,000 | 966 |
Average total loans | $663,630,500 | 747 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5927% | 1,354 |
Cost of funding earning assets | 0.6423% | 1,115 |
Net interest margin | 3.9504% | 1,867 |
Noninterest income to average assets | 0.4335% | 3,796 |
Noninterest expense to average assets | 1.5115% | 5,979 |
Loan and lease loss provision to assets | 0.0683% | 2,927 |
Net operating income to assets | 1.5511% | 784 |
Return on assets (ROA) | 1.5511% | 805 |
Pretax return on assets | 2.6565% | 159 |
Return on Equity (ROE) | 13.4272% | 962 |
Retained earnings to average equity (ytd only) | 10.9536% | 351 |
Net charge-offs to loans | -0.0051% | 4,982 |
Credit loss provision to net charge-offs | -1,500.0000% | 5,606 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.5758% | 6,110 |
Assets per employee ($millions) | 12.0100% | 149 |
Cash dividends to net income (ytd only)* | 18.4221% | 3,831 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9327% | 4,955 |
Loan loss allowance to noncurrent loans | 54.7763% | 4,749 |
Noncurrent assets plus other real estate owned to assets | 1.5631% | 1,271 |
Noncurrent loans to loans | 1.7028% | 1,329 |
Net loans and leases to total assets | 90.9410% | 41 |
Net loans and leases to deposits | 103.5204% | 464 |
Net loans and leases to core deposits | 151.1388% | 106 |
Total domestic deposits to total assets | 87.8484% | 1,723 |
Equity capital to assets | 11.1638% | 2,664 |
Core capital (leverage) ratio | 11.2106% | 2,206 |
Tier 1 risk-based capital ratio | 12.7987% | 4,454 |
Total risk-based capital ratio | 13.8073% | 4,489 |
Memoranda: | ||
Average total assets | $658,611,400 | 1,037 |
Average earning assets | $634,006,800 | 1,001 |
Average equity | $76,084,400 | 1,001 |
Average total loans | $589,363,200 | 790 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5910% | 1,350 |
Cost of funding earning assets | 0.6299% | 1,216 |
Net interest margin | 3.9610% | 1,840 |
Noninterest income to average assets | 0.5150% | 3,261 |
Noninterest expense to average assets | 1.4091% | 6,094 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.7108% | 608 |
Return on assets (ROA) | 1.7108% | 636 |
Pretax return on assets | 2.9149% | 129 |
Return on Equity (ROE) | 14.6710% | 777 |
Retained earnings to average equity (ytd only) | 14.6710% | 177 |
Net charge-offs to loans | -0.0231% | 5,253 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.4831% | 6,213 |
Assets per employee ($millions) | 11.6615% | 163 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8935% | 5,224 |
Loan loss allowance to noncurrent loans | 87.1969% | 3,986 |
Noncurrent assets plus other real estate owned to assets | 0.9333% | 2,525 |
Noncurrent loans to loans | 1.0247% | 2,428 |
Net loans and leases to total assets | 90.2664% | 59 |
Net loans and leases to deposits | 102.4728% | 521 |
Net loans and leases to core deposits | 145.6580% | 131 |
Total domestic deposits to total assets | 88.0881% | 1,512 |
Equity capital to assets | 11.2764% | 2,725 |
Core capital (leverage) ratio | 11.5666% | 1,986 |
Tier 1 risk-based capital ratio | 13.2577% | 4,285 |
Total risk-based capital ratio | 14.2417% | 4,353 |
Memoranda: | ||
Average total assets | $643,115,000 | 1,073 |
Average earning assets | $618,446,500 | 1,025 |
Average equity | $74,994,000 | 1,023 |
Average total loans | $571,332,000 | 820 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5619% | 1,372 |
Cost of funding earning assets | 0.6131% | 1,323 |
Net interest margin | 3.9488% | 1,813 |
Noninterest income to average assets | 0.5732% | 2,889 |
Noninterest expense to average assets | 1.4304% | 6,157 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.7267% | 598 |
Return on assets (ROA) | 1.7267% | 623 |
Pretax return on assets | 2.9321% | 139 |
Return on Equity (ROE) | 14.6232% | 800 |
Retained earnings to average equity (ytd only) | 14.6232% | 207 |
Net charge-offs to loans | -0.0363% | 5,407 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.6781% | 6,282 |
Assets per employee ($millions) | 10.8656% | 205 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9696% | 5,006 |
Loan loss allowance to noncurrent loans | 78.2509% | 4,255 |
Noncurrent assets plus other real estate owned to assets | 1.1162% | 2,273 |
Noncurrent loans to loans | 1.2391% | 2,178 |
Net loans and leases to total assets | 89.2028% | 94 |
Net loans and leases to deposits | 101.3506% | 579 |
Net loans and leases to core deposits | 142.7362% | 149 |
Total domestic deposits to total assets | 88.0141% | 1,649 |
Equity capital to assets | 11.4604% | 2,448 |
Core capital (leverage) ratio | 11.4695% | 2,017 |
Tier 1 risk-based capital ratio | 13.4858% | 4,231 |
Total risk-based capital ratio | 14.5437% | 4,274 |
Memoranda: | ||
Average total assets | $620,370,000 | 1,114 |
Average earning assets | $595,324,000 | 1,068 |
Average equity | $73,253,670 | 1,051 |
Average total loans | $545,809,670 | 861 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6195% | 1,181 |
Cost of funding earning assets | 0.5436% | 1,896 |
Net interest margin | 4.0759% | 1,340 |
Noninterest income to average assets | 0.7350% | 1,990 |
Noninterest expense to average assets | 1.5015% | 6,178 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.8473% | 444 |
Return on assets (ROA) | 1.8473% | 471 |
Pretax return on assets | 3.1331% | 124 |
Return on Equity (ROE) | 15.3935% | 650 |
Retained earnings to average equity (ytd only) | 15.3935% | 252 |
Net charge-offs to loans | -0.0761% | 5,726 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.2962% | 6,352 |
Assets per employee ($millions) | 10.2193% | 243 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0774% | 4,627 |
Loan loss allowance to noncurrent loans | 76.0110% | 4,270 |
Noncurrent assets plus other real estate owned to assets | 1.2421% | 2,156 |
Noncurrent loans to loans | 1.4174% | 2,026 |
Net loans and leases to total assets | 86.6905% | 157 |
Net loans and leases to deposits | 101.1590% | 502 |
Net loans and leases to core deposits | 144.9392% | 122 |
Total domestic deposits to total assets | 85.6973% | 3,100 |
Equity capital to assets | 11.9559% | 2,061 |
Core capital (leverage) ratio | 12.3748% | 1,411 |
Tier 1 risk-based capital ratio | 13.8508% | 4,117 |
Total risk-based capital ratio | 14.9775% | 4,109 |
Memoranda: | ||
Average total assets | $599,153,500 | 1,158 |
Average earning assets | $573,218,500 | 1,106 |
Average equity | $71,900,500 | 1,070 |
Average total loans | $520,200,500 | 909 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9316% | 873 |
Cost of funding earning assets | 0.5599% | 2,140 |
Net interest margin | 4.3717% | 927 |
Noninterest income to average assets | 0.5432% | 3,215 |
Noninterest expense to average assets | 1.6767% | 6,183 |
Loan and lease loss provision to assets | 0.0717% | 3,050 |
Net operating income to assets | 1.7777% | 499 |
Return on assets (ROA) | 1.7777% | 509 |
Pretax return on assets | 3.0164% | 113 |
Return on Equity (ROE) | 15.3758% | 713 |
Retained earnings to average equity (ytd only) | 12.8408% | 234 |
Net charge-offs to loans | -0.0285% | 5,779 |
Credit loss provision to net charge-offs | -273.9726% | 5,687 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.0654% | 6,447 |
Assets per employee ($millions) | 9.9178% | 260 |
Cash dividends to net income (ytd only)* | 16.4869% | 3,929 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1311% | 4,388 |
Loan loss allowance to noncurrent loans | 55.2534% | 4,944 |
Noncurrent assets plus other real estate owned to assets | 1.7599% | 1,497 |
Noncurrent loans to loans | 2.0471% | 1,343 |
Net loans and leases to total assets | 84.9993% | 276 |
Net loans and leases to deposits | 98.5178% | 718 |
Net loans and leases to core deposits | 137.3319% | 183 |
Total domestic deposits to total assets | 86.2781% | 2,688 |
Equity capital to assets | 12.0470% | 1,986 |
Core capital (leverage) ratio | 12.2577% | 1,471 |
Tier 1 risk-based capital ratio | 14.2952% | 3,903 |
Total risk-based capital ratio | 15.4796% | 3,879 |
Memoranda: | ||
Average total assets | $558,187,600 | 1,191 |
Average earning assets | $539,012,600 | 1,125 |
Average equity | $64,536,600 | 1,139 |
Average total loans | $512,729,200 | 868 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0268% | 733 |
Cost of funding earning assets | 0.5622% | 2,174 |
Net interest margin | 4.4646% | 797 |
Noninterest income to average assets | 0.6637% | 2,506 |
Noninterest expense to average assets | 1.5742% | 6,310 |
Loan and lease loss provision to assets | 0.0967% | 2,430 |
Net operating income to assets | 1.9355% | 388 |
Return on assets (ROA) | 1.9355% | 399 |
Pretax return on assets | 3.3107% | 97 |
Return on Equity (ROE) | 16.9286% | 557 |
Retained earnings to average equity (ytd only) | 16.9286% | 141 |
Net charge-offs to loans | -0.0378% | 5,814 |
Credit loss provision to net charge-offs | -273.9726% | 5,626 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.4793% | 6,533 |
Assets per employee ($millions) | 9.5506% | 273 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0672% | 4,898 |
Loan loss allowance to noncurrent loans | 53.7096% | 5,009 |
Noncurrent assets plus other real estate owned to assets | 1.8487% | 1,600 |
Noncurrent loans to loans | 1.9870% | 1,601 |
Net loans and leases to total assets | 92.0488% | 28 |
Net loans and leases to deposits | 105.0666% | 363 |
Net loans and leases to core deposits | 146.1338% | 121 |
Total domestic deposits to total assets | 87.6100% | 1,971 |
Equity capital to assets | 11.7302% | 2,286 |
Core capital (leverage) ratio | 11.5405% | 2,034 |
Tier 1 risk-based capital ratio | 13.9695% | 4,239 |
Total risk-based capital ratio | 15.1844% | 4,210 |
Memoranda: | ||
Average total assets | $551,446,500 | 1,218 |
Average earning assets | $533,336,500 | 1,144 |
Average equity | $63,047,500 | 1,164 |
Average total loans | $515,145,250 | 866 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6283% | 1,453 |
Cost of funding earning assets | 0.5566% | 2,297 |
Net interest margin | 4.0718% | 1,601 |
Noninterest income to average assets | 0.8625% | 1,615 |
Noninterest expense to average assets | 1.5644% | 6,383 |
Loan and lease loss provision to assets | 0.1470% | 1,682 |
Net operating income to assets | 1.8073% | 486 |
Return on assets (ROA) | 1.8073% | 501 |
Pretax return on assets | 3.0842% | 109 |
Return on Equity (ROE) | 15.9527% | 661 |
Retained earnings to average equity (ytd only) | 15.9527% | 175 |
Net charge-offs to loans | -0.0574% | 5,934 |
Credit loss provision to net charge-offs | -273.9726% | 5,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.4981% | 6,593 |
Assets per employee ($millions) | 9.8896% | 242 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0880% | 4,954 |
Loan loss allowance to noncurrent loans | 25.2071% | 5,900 |
Noncurrent assets plus other real estate owned to assets | 4.0044% | 531 |
Noncurrent loans to loans | 4.3163% | 520 |
Net loans and leases to total assets | 91.7634% | 28 |
Net loans and leases to deposits | 104.2750% | 352 |
Net loans and leases to core deposits | 145.3529% | 114 |
Total domestic deposits to total assets | 88.0014% | 1,899 |
Equity capital to assets | 11.3703% | 2,534 |
Core capital (leverage) ratio | 11.2659% | 2,181 |
Tier 1 risk-based capital ratio | 13.4703% | 4,603 |
Total risk-based capital ratio | 14.6999% | 4,557 |
Memoranda: | ||
Average total assets | $544,250,000 | 1,236 |
Average earning assets | $525,718,000 | 1,161 |
Average equity | $61,657,330 | 1,184 |
Average total loans | $509,139,330 | 872 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5959% | 1,518 |
Cost of funding earning assets | 0.5360% | 2,545 |
Net interest margin | 4.0599% | 1,575 |
Noninterest income to average assets | 1.4869% | 528 |
Noninterest expense to average assets | 1.5663% | 6,455 |
Loan and lease loss provision to assets | 0.1497% | 1,623 |
Net operating income to assets | 2.1649% | 256 |
Return on assets (ROA) | 2.1649% | 267 |
Pretax return on assets | 3.6930% | 96 |
Return on Equity (ROE) | 19.1467% | 348 |
Retained earnings to average equity (ytd only) | 19.1467% | 138 |
Net charge-offs to loans | -0.1187% | 6,186 |
Credit loss provision to net charge-offs | -134.2282% | 4,888 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.8462% | 6,682 |
Assets per employee ($millions) | 9.3133% | 309 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0784% | 5,214 |
Loan loss allowance to noncurrent loans | 26.2748% | 5,943 |
Noncurrent assets plus other real estate owned to assets | 3.8046% | 654 |
Noncurrent loans to loans | 4.1045% | 638 |
Net loans and leases to total assets | 91.6959% | 21 |
Net loans and leases to deposits | 104.5030% | 276 |
Net loans and leases to core deposits | 143.4098% | 113 |
Total domestic deposits to total assets | 87.7447% | 2,387 |
Equity capital to assets | 11.2654% | 2,465 |
Core capital (leverage) ratio | 11.3947% | 2,054 |
Tier 1 risk-based capital ratio | 13.2615% | 4,853 |
Total risk-based capital ratio | 14.4731% | 4,813 |
Memoranda: | ||
Average total assets | $534,522,000 | 1,267 |
Average earning assets | $516,372,500 | 1,191 |
Average equity | $60,438,500 | 1,203 |
Average total loans | $502,226,000 | 881 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1715% | 685 |
Cost of funding earning assets | 0.5717% | 2,911 |
Net interest margin | 4.5997% | 612 |
Noninterest income to average assets | 0.3839% | 4,565 |
Noninterest expense to average assets | 1.6708% | 6,471 |
Loan and lease loss provision to assets | 0.1739% | 2,126 |
Net operating income to assets | 1.7547% | 527 |
Return on assets (ROA) | 1.7547% | 541 |
Pretax return on assets | 2.9655% | 126 |
Return on Equity (ROE) | 16.3661% | 580 |
Retained earnings to average equity (ytd only) | 14.2598% | 192 |
Net charge-offs to loans | 0.0002% | 5,474 |
Credit loss provision to net charge-offs | 90,000.0000% | 2 |
Earnings coverage of net charge-offs (x) | 16,251.0000% | 2 |
Efficiency ratio | 34.5823% | 6,739 |
Assets per employee ($millions) | 9.2778% | 296 |
Cash dividends to net income (ytd only)* | 12.8702% | 3,954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0390% | 5,380 |
Loan loss allowance to noncurrent loans | 49.8256% | 5,267 |
Noncurrent assets plus other real estate owned to assets | 1.9871% | 1,809 |
Noncurrent loans to loans | 2.0852% | 1,899 |
Net loans and leases to total assets | 94.3030% | 5 |
Net loans and leases to deposits | 109.3353% | 182 |
Net loans and leases to core deposits | 142.9986% | 124 |
Total domestic deposits to total assets | 86.2512% | 3,135 |
Equity capital to assets | 11.3510% | 2,291 |
Core capital (leverage) ratio | 11.1498% | 2,235 |
Tier 1 risk-based capital ratio | 14.4779% | 3,968 |
Total risk-based capital ratio | 15.7284% | 3,906 |
Memoranda: | ||
Average total assets | $517,644,600 | 1,282 |
Average earning assets | $498,136,000 | 1,222 |
Average equity | $55,498,800 | 1,285 |
Average total loans | $469,277,600 | 909 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2388% | 599 |
Cost of funding earning assets | 0.5756% | 3,039 |
Net interest margin | 4.6632% | 548 |
Noninterest income to average assets | 0.4439% | 4,197 |
Noninterest expense to average assets | 1.5677% | 6,582 |
Loan and lease loss provision to assets | 0.2320% | 1,557 |
Net operating income to assets | 1.8506% | 479 |
Return on assets (ROA) | 1.8506% | 493 |
Pretax return on assets | 3.1267% | 122 |
Return on Equity (ROE) | 17.5187% | 486 |
Retained earnings to average equity (ytd only) | 17.5187% | 117 |
Net charge-offs to loans | -0.0049% | 5,782 |
Credit loss provision to net charge-offs | -5,294.1176% | 6,359 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.6762% | 6,822 |
Assets per employee ($millions) | 9.3272% | 281 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0864% | 5,381 |
Loan loss allowance to noncurrent loans | 45.6855% | 5,420 |
Noncurrent assets plus other real estate owned to assets | 2.1632% | 1,845 |
Noncurrent loans to loans | 2.3780% | 1,850 |
Net loans and leases to total assets | 89.9809% | 41 |
Net loans and leases to deposits | 103.6188% | 311 |
Net loans and leases to core deposits | 133.3077% | 154 |
Total domestic deposits to total assets | 86.8384% | 2,785 |
Equity capital to assets | 11.1464% | 2,623 |
Core capital (leverage) ratio | 11.1414% | 2,350 |
Tier 1 risk-based capital ratio | 14.4194% | 4,130 |
Total risk-based capital ratio | 15.6701% | 4,088 |
Memoranda: | ||
Average total assets | $517,166,250 | 1,293 |
Average earning assets | $497,126,250 | 1,236 |
Average equity | $54,629,750 | 1,316 |
Average total loans | $462,821,250 | 921 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3359% | 491 |
Cost of funding earning assets | 0.5817% | 3,106 |
Net interest margin | 4.7542% | 464 |
Noninterest income to average assets | 0.4148% | 4,416 |
Noninterest expense to average assets | 1.5478% | 6,639 |
Loan and lease loss provision to assets | 0.2328% | 1,603 |
Net operating income to assets | 1.8927% | 426 |
Return on assets (ROA) | 1.8927% | 463 |
Pretax return on assets | 3.1972% | 131 |
Return on Equity (ROE) | 18.2584% | 446 |
Retained earnings to average equity (ytd only) | 18.2584% | 120 |
Net charge-offs to loans | -0.0161% | 5,893 |
Credit loss provision to net charge-offs | -1,621.6216% | 6,107 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.9455% | 6,873 |
Assets per employee ($millions) | 9.3127% | 267 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0522% | 5,620 |
Loan loss allowance to noncurrent loans | 56.6226% | 4,944 |
Noncurrent assets plus other real estate owned to assets | 1.9758% | 2,182 |
Noncurrent loans to loans | 1.8582% | 2,550 |
Net loans and leases to total assets | 89.6343% | 52 |
Net loans and leases to deposits | 103.5968% | 277 |
Net loans and leases to core deposits | 128.5146% | 202 |
Total domestic deposits to total assets | 86.5223% | 3,105 |
Equity capital to assets | 10.9131% | 2,833 |
Core capital (leverage) ratio | 10.6895% | 2,679 |
Tier 1 risk-based capital ratio | 13.8924% | 4,498 |
Total risk-based capital ratio | 15.1343% | 4,475 |
Memoranda: | ||
Average total assets | $515,447,330 | 1,299 |
Average earning assets | $494,720,670 | 1,238 |
Average equity | $53,433,000 | 1,346 |
Average total loans | $458,710,670 | 924 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2340% | 571 |
Cost of funding earning assets | 0.5807% | 3,287 |
Net interest margin | 4.6533% | 519 |
Noninterest income to average assets | 0.5067% | 3,729 |
Noninterest expense to average assets | 1.5023% | 6,740 |
Loan and lease loss provision to assets | 0.2321% | 1,574 |
Net operating income to assets | 1.9038% | 400 |
Return on assets (ROA) | 1.9038% | 439 |
Pretax return on assets | 3.2359% | 130 |
Return on Equity (ROE) | 18.8579% | 366 |
Retained earnings to average equity (ytd only) | 18.8579% | 171 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.0856% | 6,959 |
Assets per employee ($millions) | 10.2742% | 207 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9813% | 6,049 |
Loan loss allowance to noncurrent loans | 58.5093% | 4,788 |
Noncurrent assets plus other real estate owned to assets | 1.8315% | 2,569 |
Noncurrent loans to loans | 1.6771% | 3,031 |
Net loans and leases to total assets | 87.5289% | 79 |
Net loans and leases to deposits | 100.9415% | 316 |
Net loans and leases to core deposits | 123.5571% | 239 |
Total domestic deposits to total assets | 86.7124% | 3,123 |
Equity capital to assets | 10.1984% | 3,908 |
Core capital (leverage) ratio | 10.4045% | 2,897 |
Tier 1 risk-based capital ratio | 12.8085% | 5,364 |
Total risk-based capital ratio | 13.9175% | 5,412 |
Memoranda: | ||
Average total assets | $517,071,000 | 1,306 |
Average earning assets | $495,992,000 | 1,249 |
Average equity | $52,201,000 | 1,396 |
Average total loans | $456,071,500 | 927 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2934% | 939 |
Cost of funding earning assets | 0.7849% | 2,781 |
Net interest margin | 4.5085% | 932 |
Noninterest income to average assets | 0.2754% | 5,490 |
Noninterest expense to average assets | 1.6820% | 6,736 |
Loan and lease loss provision to assets | 0.2530% | 2,631 |
Net operating income to assets | 1.5603% | 813 |
Return on assets (ROA) | 1.5603% | 893 |
Pretax return on assets | 2.6650% | 204 |
Return on Equity (ROE) | 16.8057% | 560 |
Retained earnings to average equity (ytd only) | 15.0551% | 155 |
Net charge-offs to loans | 0.0623% | 5,073 |
Credit loss provision to net charge-offs | 524.1935% | 462 |
Earnings coverage of net charge-offs (x) | 60.4476% | 592 |
Efficiency ratio | 36.3702% | 6,986 |
Assets per employee ($millions) | 10.4113% | 206 |
Cash dividends to net income (ytd only)* | 10.4167% | 4,064 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9455% | 6,141 |
Loan loss allowance to noncurrent loans | 49.9882% | 5,130 |
Noncurrent assets plus other real estate owned to assets | 2.0231% | 2,423 |
Noncurrent loans to loans | 1.8915% | 2,816 |
Net loans and leases to total assets | 87.1722% | 105 |
Net loans and leases to deposits | 101.5357% | 347 |
Net loans and leases to core deposits | 125.9510% | 223 |
Total domestic deposits to total assets | 85.8537% | 3,424 |
Equity capital to assets | 9.9899% | 4,176 |
Core capital (leverage) ratio | 9.9354% | 3,490 |
Tier 1 risk-based capital ratio | 12.6833% | 5,335 |
Total risk-based capital ratio | 13.7590% | 5,424 |
Memoranda: | ||
Average total assets | $513,739,200 | 1,301 |
Average earning assets | $492,779,000 | 1,234 |
Average equity | $47,698,000 | 1,463 |
Average total loans | $398,199,400 | 1,050 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2933% | 1,026 |
Cost of funding earning assets | 0.8292% | 2,711 |
Net interest margin | 4.4641% | 1,062 |
Noninterest income to average assets | 0.3161% | 5,250 |
Noninterest expense to average assets | 1.5172% | 6,930 |
Loan and lease loss provision to assets | 0.2332% | 2,710 |
Net operating income to assets | 1.6879% | 696 |
Return on assets (ROA) | 1.6879% | 779 |
Pretax return on assets | 2.8478% | 180 |
Return on Equity (ROE) | 18.5285% | 441 |
Retained earnings to average equity (ytd only) | 18.5285% | 107 |
Net charge-offs to loans | 0.0311% | 5,210 |
Credit loss provision to net charge-offs | 1,000.0000% | 277 |
Earnings coverage of net charge-offs (x) | 132.1300% | 332 |
Efficiency ratio | 32.7981% | 7,106 |
Assets per employee ($millions) | 10.0304% | 231 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9097% | 6,355 |
Loan loss allowance to noncurrent loans | 50.0438% | 5,127 |
Noncurrent assets plus other real estate owned to assets | 1.9238% | 2,752 |
Noncurrent loans to loans | 1.8179% | 3,052 |
Net loans and leases to total assets | 85.2331% | 177 |
Net loans and leases to deposits | 98.8270% | 503 |
Net loans and leases to core deposits | 124.5776% | 239 |
Total domestic deposits to total assets | 86.2447% | 3,122 |
Equity capital to assets | 9.8339% | 4,733 |
Core capital (leverage) ratio | 9.5791% | 4,151 |
Tier 1 risk-based capital ratio | 12.5173% | 5,626 |
Total risk-based capital ratio | 13.5295% | 5,758 |
Memoranda: | ||
Average total assets | $514,635,000 | 1,312 |
Average earning assets | $493,647,250 | 1,248 |
Average equity | $46,881,500 | 1,504 |
Average total loans | $385,509,500 | 1,096 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1977% | 1,260 |
Cost of funding earning assets | 0.8723% | 2,641 |
Net interest margin | 4.3253% | 1,406 |
Noninterest income to average assets | 0.3231% | 5,242 |
Noninterest expense to average assets | 1.5114% | 6,999 |
Loan and lease loss provision to assets | 0.2327% | 2,743 |
Net operating income to assets | 1.5979% | 840 |
Return on assets (ROA) | 1.5979% | 937 |
Pretax return on assets | 2.7270% | 214 |
Return on Equity (ROE) | 18.0147% | 507 |
Retained earnings to average equity (ytd only) | 18.0147% | 141 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 33.5965% | 7,143 |
Assets per employee ($millions) | 9.7130% | 256 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9698% | 6,261 |
Loan loss allowance to noncurrent loans | 51.6757% | 5,020 |
Noncurrent assets plus other real estate owned to assets | 1.7506% | 3,102 |
Noncurrent loans to loans | 1.8767% | 3,106 |
Net loans and leases to total assets | 73.8457% | 1,268 |
Net loans and leases to deposits | 83.7792% | 1,880 |
Net loans and leases to core deposits | 105.0043% | 793 |
Total domestic deposits to total assets | 88.1432% | 2,044 |
Equity capital to assets | 9.1330% | 5,546 |
Core capital (leverage) ratio | 9.0488% | 4,847 |
Tier 1 risk-based capital ratio | 12.7655% | 5,362 |
Total risk-based capital ratio | 13.7930% | 5,519 |
Memoranda: | ||
Average total assets | $515,664,000 | 1,311 |
Average earning assets | $494,530,330 | 1,246 |
Average equity | $45,740,330 | 1,523 |
Average total loans | $367,342,330 | 1,148 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1065% | 1,553 |
Cost of funding earning assets | 0.9127% | 2,587 |
Net interest margin | 4.1937% | 1,775 |
Noninterest income to average assets | 0.3231% | 5,289 |
Noninterest expense to average assets | 1.5452% | 7,018 |
Loan and lease loss provision to assets | 0.2347% | 2,593 |
Net operating income to assets | 1.4944% | 1,033 |
Return on assets (ROA) | 1.4944% | 1,152 |
Pretax return on assets | 2.5514% | 313 |
Return on Equity (ROE) | 17.1074% | 653 |
Retained earnings to average equity (ytd only) | 17.1074% | 303 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.4408% | 7,189 |
Assets per employee ($millions) | 10.3142% | 217 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9609% | 6,386 |
Loan loss allowance to noncurrent loans | 48.5746% | 5,151 |
Noncurrent assets plus other real estate owned to assets | 1.8861% | 3,063 |
Noncurrent loans to loans | 1.9783% | 3,189 |
Net loans and leases to total assets | 69.8081% | 1,785 |
Net loans and leases to deposits | 79.1321% | 2,325 |
Net loans and leases to core deposits | 96.9867% | 1,201 |
Total domestic deposits to total assets | 88.2172% | 2,178 |
Equity capital to assets | 8.8517% | 5,691 |
Core capital (leverage) ratio | 8.8703% | 5,034 |
Tier 1 risk-based capital ratio | 12.6212% | 5,501 |
Total risk-based capital ratio | 13.6099% | 5,675 |
Memoranda: | ||
Average total assets | $511,245,000 | 1,328 |
Average earning assets | $488,635,000 | 1,264 |
Average equity | $44,659,000 | 1,550 |
Average total loans | $355,456,000 | 1,182 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1013% | 2,454 |
Cost of funding earning assets | 0.9775% | 3,524 |
Net interest margin | 4.1238% | 2,337 |
Noninterest income to average assets | 1.2273% | 870 |
Noninterest expense to average assets | 2.4548% | 5,623 |
Loan and lease loss provision to assets | 0.2699% | 3,519 |
Net operating income to assets | 1.8284% | 439 |
Return on assets (ROA) | 1.8284% | 471 |
Pretax return on assets | 2.4472% | 225 |
Return on Equity (ROE) | 18.4730% | 350 |
Retained earnings to average equity (ytd only) | 16.6975% | 87 |
Net charge-offs to loans | 0.1608% | 4,856 |
Credit loss provision to net charge-offs | 233.1818% | 1,043 |
Earnings coverage of net charge-offs (x) | 23.4727% | 1,023 |
Efficiency ratio | 47.4643% | 6,968 |
Assets per employee ($millions) | 11.0170% | 180 |
Cash dividends to net income (ytd only)* | 9.6115% | 3,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9191% | 6,489 |
Loan loss allowance to noncurrent loans | 32.3113% | 6,058 |
Noncurrent assets plus other real estate owned to assets | 2.8008% | 2,155 |
Noncurrent loans to loans | 2.8445% | 2,297 |
Net loans and leases to total assets | 67.9227% | 2,411 |
Net loans and leases to deposits | 76.9764% | 3,008 |
Net loans and leases to core deposits | 94.2893% | 1,664 |
Total domestic deposits to total assets | 88.2383% | 2,007 |
Equity capital to assets | 8.6169% | 5,996 |
Core capital (leverage) ratio | 8.0748% | 6,168 |
Tier 1 risk-based capital ratio | 11.6126% | 6,081 |
Total risk-based capital ratio | 12.5073% | 6,284 |
Memoranda: | ||
Average total assets | $380,110,200 | 1,700 |
Average earning assets | $363,596,400 | 1,627 |
Average equity | $37,622,400 | 1,786 |
Average total loans | $273,626,000 | 1,547 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9958% | 3,100 |
Cost of funding earning assets | 0.9649% | 3,931 |
Net interest margin | 4.0309% | 2,775 |
Noninterest income to average assets | 1.7804% | 453 |
Noninterest expense to average assets | 2.5086% | 5,434 |
Loan and lease loss provision to assets | 0.3926% | 2,503 |
Net operating income to assets | 2.2526% | 233 |
Return on assets (ROA) | 2.2526% | 253 |
Pretax return on assets | 2.7413% | 173 |
Return on Equity (ROE) | 21.7363% | 228 |
Retained earnings to average equity (ytd only) | 21.7363% | 55 |
Net charge-offs to loans | 0.0956% | 5,023 |
Credit loss provision to net charge-offs | 560.6557% | 494 |
Earnings coverage of net charge-offs (x) | 44.7548% | 708 |
Efficiency ratio | 44.4595% | 7,132 |
Assets per employee ($millions) | 10.2083% | 235 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9825% | 6,345 |
Loan loss allowance to noncurrent loans | 92.7669% | 3,153 |
Noncurrent assets plus other real estate owned to assets | 1.8444% | 3,343 |
Noncurrent loans to loans | 1.0591% | 4,794 |
Net loans and leases to total assets | 68.1190% | 2,461 |
Net loans and leases to deposits | 77.4483% | 3,093 |
Net loans and leases to core deposits | 95.5413% | 1,651 |
Total domestic deposits to total assets | 87.9542% | 2,057 |
Equity capital to assets | 8.4927% | 6,304 |
Core capital (leverage) ratio | 8.8091% | 5,250 |
Tier 1 risk-based capital ratio | 11.3685% | 6,320 |
Total risk-based capital ratio | 12.3206% | 6,481 |
Memoranda: | ||
Average total assets | $348,442,250 | 1,866 |
Average earning assets | $333,844,750 | 1,788 |
Average equity | $36,110,750 | 1,874 |
Average total loans | $255,179,250 | 1,658 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2248% | 2,165 |
Cost of funding earning assets | 1.0364% | 3,692 |
Net interest margin | 4.1884% | 2,081 |
Noninterest income to average assets | 0.1406% | 6,620 |
Noninterest expense to average assets | 2.6198% | 5,114 |
Loan and lease loss provision to assets | 0.4931% | 1,996 |
Net operating income to assets | 0.5943% | 4,092 |
Return on assets (ROA) | 0.5943% | 4,225 |
Pretax return on assets | 1.0684% | 2,974 |
Return on Equity (ROE) | 5.1931% | 4,361 |
Retained earnings to average equity (ytd only) | 5.1931% | 2,878 |
Net charge-offs to loans | 0.0995% | 4,685 |
Credit loss provision to net charge-offs | 654.0541% | 481 |
Earnings coverage of net charge-offs (x) | 20.7117% | 1,181 |
Efficiency ratio | 62.6543% | 5,468 |
Assets per employee ($millions) | 8.6174% | 372 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2723% | 5,184 |
Loan loss allowance to noncurrent loans | 82.7214% | 3,411 |
Noncurrent assets plus other real estate owned to assets | 1.3690% | 4,166 |
Noncurrent loans to loans | 1.5380% | 4,104 |
Net loans and leases to total assets | 76.3532% | 1,031 |
Net loans and leases to deposits | 86.6341% | 1,696 |
Net loans and leases to core deposits | 119.6164% | 430 |
Total domestic deposits to total assets | 88.1329% | 2,056 |
Equity capital to assets | 11.6799% | 2,341 |
Core capital (leverage) ratio | 11.3954% | 1,979 |
Tier 1 risk-based capital ratio | 14.6846% | 3,681 |
Total risk-based capital ratio | 15.9349% | 3,650 |
Memoranda: | ||
Average total assets | $294,450,670 | 2,180 |
Average earning assets | $284,069,330 | 2,081 |
Average equity | $33,698,330 | 1,971 |
Average total loans | $223,192,000 | 1,885 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9423% | 3,359 |
Cost of funding earning assets | 1.0596% | 3,787 |
Net interest margin | 3.8827% | 3,227 |
Noninterest income to average assets | 0.1396% | 6,713 |
Noninterest expense to average assets | 2.4336% | 5,780 |
Loan and lease loss provision to assets | 0.4461% | 1,977 |
Net operating income to assets | 0.5497% | 4,272 |
Return on assets (ROA) | 0.5497% | 4,356 |
Pretax return on assets | 0.9988% | 3,135 |
Return on Equity (ROE) | 4.8625% | 4,473 |
Retained earnings to average equity (ytd only) | 4.8625% | 3,276 |
Net charge-offs to loans | -0.0038% | 6,215 |
Credit loss provision to net charge-offs | -15,500.0000% | 6,447 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.7458% | 5,560 |
Assets per employee ($millions) | 8.4731% | 401 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1281% | 5,938 |
Loan loss allowance to noncurrent loans | 77.2836% | 3,632 |
Noncurrent assets plus other real estate owned to assets | 1.3029% | 4,361 |
Noncurrent loans to loans | 1.4597% | 4,276 |
Net loans and leases to total assets | 75.4818% | 1,109 |
Net loans and leases to deposits | 85.2225% | 1,847 |
Net loans and leases to core deposits | 120.1095% | 415 |
Total domestic deposits to total assets | 88.5703% | 2,035 |
Equity capital to assets | 11.1116% | 2,572 |
Core capital (leverage) ratio | 10.6807% | 2,448 |
Tier 1 risk-based capital ratio | 13.7618% | 4,237 |
Total risk-based capital ratio | 14.8766% | 4,306 |
Memoranda: | ||
Average total assets | $277,945,500 | 2,320 |
Average earning assets | $267,651,000 | 2,213 |
Average equity | $31,424,000 | 2,087 |
Average total loans | $208,163,500 | 2,030 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5313% | 6,309 |
Cost of funding earning assets | 1.2838% | 3,989 |
Net interest margin | 3.2476% | 6,144 |
Noninterest income to average assets | 0.1252% | 6,774 |
Noninterest expense to average assets | 2.2408% | 6,512 |
Loan and lease loss provision to assets | 0.1223% | 5,937 |
Net operating income to assets | 0.4872% | 4,160 |
Return on assets (ROA) | 0.4935% | 4,286 |
Pretax return on assets | 0.8896% | 3,336 |
Return on Equity (ROE) | 4.1106% | 4,474 |
Retained earnings to average equity (ytd only) | 4.1106% | 2,976 |
Net charge-offs to loans | 0.1633% | 5,357 |
Credit loss provision to net charge-offs | 102.8807% | 4,388 |
Earnings coverage of net charge-offs (x) | 8.4321% | 1,970 |
Efficiency ratio | 69.0997% | 4,359 |
Assets per employee ($millions) | 7.2322% | 668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6544% | 3,381 |
Loan loss allowance to noncurrent loans | 272.1294% | 1,127 |
Noncurrent assets plus other real estate owned to assets | 1.6210% | 3,885 |
Noncurrent loans to loans | 0.6079% | 5,830 |
Net loans and leases to total assets | 71.4279% | 2,214 |
Net loans and leases to deposits | 81.0297% | 2,985 |
Net loans and leases to core deposits | 110.7257% | 881 |
Total domestic deposits to total assets | 88.1503% | 2,149 |
Equity capital to assets | 11.6091% | 2,181 |
Core capital (leverage) ratio | 11.9488% | 1,587 |
Tier 1 risk-based capital ratio | 15.8987% | 2,795 |
Total risk-based capital ratio | 17.1534% | 2,752 |
Memoranda: | ||
Average total assets | $204,476,600 | 3,047 |
Average earning assets | $196,299,600 | 2,928 |
Average equity | $24,546,000 | 2,603 |
Average total loans | $148,780,800 | 2,795 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4416% | 6,745 |
Cost of funding earning assets | 1.3362% | 4,002 |
Net interest margin | 3.1054% | 6,602 |
Noninterest income to average assets | 0.1357% | 6,874 |
Noninterest expense to average assets | 1.9872% | 7,072 |
Loan and lease loss provision to assets | 0.1655% | 5,388 |
Net operating income to assets | 0.5344% | 4,169 |
Return on assets (ROA) | 0.5344% | 4,338 |
Pretax return on assets | 0.9654% | 3,309 |
Return on Equity (ROE) | 4.4123% | 4,594 |
Retained earnings to average equity (ytd only) | 4.4123% | 3,393 |
Net charge-offs to loans | 0.2229% | 4,605 |
Credit loss provision to net charge-offs | 102.0408% | 4,219 |
Earnings coverage of net charge-offs (x) | 6.9714% | 2,411 |
Efficiency ratio | 63.7290% | 5,293 |
Assets per employee ($millions) | 9.4838% | 303 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6720% | 3,244 |
Loan loss allowance to noncurrent loans | 152.5176% | 1,857 |
Noncurrent assets plus other real estate owned to assets | 2.0887% | 3,353 |
Noncurrent loans to loans | 1.0963% | 5,048 |
Net loans and leases to total assets | 73.4235% | 1,926 |
Net loans and leases to deposits | 83.5568% | 2,783 |
Net loans and leases to core deposits | 110.5687% | 1,009 |
Total domestic deposits to total assets | 87.8726% | 2,035 |
Equity capital to assets | 11.9395% | 2,194 |
Core capital (leverage) ratio | 11.9540% | 1,695 |
Tier 1 risk-based capital ratio | 16.0052% | 2,762 |
Total risk-based capital ratio | 17.2618% | 2,707 |
Memoranda: | ||
Average total assets | $201,354,000 | 3,122 |
Average earning assets | $193,378,000 | 2,995 |
Average equity | $24,385,500 | 2,664 |
Average total loans | $146,580,500 | 2,862 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3880% | 6,924 |
Cost of funding earning assets | 1.3399% | 4,253 |
Net interest margin | 3.0482% | 6,727 |
Noninterest income to average assets | 0.1126% | 7,039 |
Noninterest expense to average assets | 2.0058% | 7,100 |
Loan and lease loss provision to assets | 0.2514% | 4,410 |
Net operating income to assets | 0.4353% | 4,603 |
Return on assets (ROA) | 0.4353% | 4,758 |
Pretax return on assets | 0.7832% | 3,937 |
Return on Equity (ROE) | 3.5770% | 4,978 |
Retained earnings to average equity (ytd only) | 3.5770% | 3,823 |
Net charge-offs to loans | 0.3442% | 3,624 |
Credit loss provision to net charge-offs | 101.2146% | 4,028 |
Earnings coverage of net charge-offs (x) | 4.1660% | 3,033 |
Efficiency ratio | 65.9722% | 4,986 |
Assets per employee ($millions) | 9.1313% | 331 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8454% | 2,581 |
Loan loss allowance to noncurrent loans | 132.4682% | 2,110 |
Noncurrent assets plus other real estate owned to assets | 2.1974% | 3,261 |
Noncurrent loans to loans | 1.3931% | 4,614 |
Net loans and leases to total assets | 65.9215% | 3,852 |
Net loans and leases to deposits | 77.0630% | 4,149 |
Net loans and leases to core deposits | 104.4409% | 1,598 |
Total domestic deposits to total assets | 85.5424% | 3,350 |
Equity capital to assets | 11.6565% | 2,314 |
Core capital (leverage) ratio | 11.9086% | 1,699 |
Tier 1 risk-based capital ratio | 16.7855% | 2,369 |
Total risk-based capital ratio | 18.0419% | 2,317 |
Memoranda: | ||
Average total assets | $198,924,330 | 3,180 |
Average earning assets | $191,064,670 | 3,047 |
Average equity | $24,210,330 | 2,670 |
Average total loans | $143,508,000 | 2,947 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5920% | 6,582 |
Cost of funding earning assets | 1.3248% | 4,654 |
Net interest margin | 3.2672% | 6,076 |
Noninterest income to average assets | 0.1055% | 7,176 |
Noninterest expense to average assets | 2.1140% | 6,897 |
Loan and lease loss provision to assets | 0.3103% | 3,558 |
Net operating income to assets | 0.4737% | 4,518 |
Return on assets (ROA) | 0.4737% | 4,650 |
Pretax return on assets | 0.8440% | 3,692 |
Return on Equity (ROE) | 3.8048% | 4,979 |
Retained earnings to average equity (ytd only) | 3.8048% | 3,859 |
Net charge-offs to loans | -0.0470% | 7,330 |
Credit loss provision to net charge-offs | -882.3529% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6835% | 5,359 |
Assets per employee ($millions) | 9.4150% | 313 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8995% | 2,445 |
Loan loss allowance to noncurrent loans | 39.1649% | 5,747 |
Noncurrent assets plus other real estate owned to assets | 3.6270% | 1,932 |
Noncurrent loans to loans | 4.8499% | 1,510 |
Net loans and leases to total assets | 72.2792% | 2,391 |
Net loans and leases to deposits | 85.2122% | 2,726 |
Net loans and leases to core deposits | 115.7499% | 956 |
Total domestic deposits to total assets | 84.8225% | 3,750 |
Equity capital to assets | 12.2308% | 1,914 |
Core capital (leverage) ratio | 12.9105% | 1,239 |
Tier 1 risk-based capital ratio | 17.0854% | 2,238 |
Total risk-based capital ratio | 18.3509% | 2,186 |
Memoranda: | ||
Average total assets | $193,376,000 | 3,317 |
Average earning assets | $187,193,500 | 3,159 |
Average equity | $24,075,000 | 2,714 |
Average total loans | $144,736,000 | 2,987 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2910% | 5,222 |
Cost of funding earning assets | 1.5614% | 5,221 |
Net interest margin | 3.7296% | 4,001 |
Noninterest income to average assets | 0.1179% | 7,163 |
Noninterest expense to average assets | 2.3479% | 6,610 |
Loan and lease loss provision to assets | 0.9706% | 2,325 |
Net operating income to assets | 0.2132% | 4,859 |
Return on assets (ROA) | 0.2132% | 4,920 |
Pretax return on assets | 0.3874% | 4,531 |
Return on Equity (ROE) | 1.5454% | 5,068 |
Retained earnings to average equity (ytd only) | 1.5454% | 3,994 |
Net charge-offs to loans | 0.9938% | 2,422 |
Credit loss provision to net charge-offs | 119.6135% | 4,485 |
Earnings coverage of net charge-offs (x) | 1.6736% | 4,483 |
Efficiency ratio | 63.3542% | 5,900 |
Assets per employee ($millions) | 8.5926% | 401 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8081% | 2,517 |
Loan loss allowance to noncurrent loans | 74.3282% | 3,700 |
Noncurrent assets plus other real estate owned to assets | 1.9065% | 3,520 |
Noncurrent loans to loans | 2.4326% | 3,119 |
Net loans and leases to total assets | 74.6934% | 2,096 |
Net loans and leases to deposits | 88.7001% | 2,440 |
Net loans and leases to core deposits | 177.2031% | 177 |
Total domestic deposits to total assets | 84.2090% | 3,937 |
Equity capital to assets | 12.6789% | 1,657 |
Core capital (leverage) ratio | 13.0120% | 1,252 |
Tier 1 risk-based capital ratio | 16.8932% | 2,173 |
Total risk-based capital ratio | 18.1507% | 2,149 |
Memoranda: | ||
Average total assets | $172,154,200 | 3,573 |
Average earning assets | $165,619,400 | 3,410 |
Average equity | $23,748,000 | 2,763 |
Average total loans | $140,575,600 | 3,071 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3472% | 5,187 |
Cost of funding earning assets | 1.5915% | 5,444 |
Net interest margin | 3.7557% | 3,835 |
Noninterest income to average assets | 0.1247% | 7,263 |
Noninterest expense to average assets | 2.2953% | 6,720 |
Loan and lease loss provision to assets | 0.3739% | 4,084 |
Net operating income to assets | 0.5891% | 3,638 |
Return on assets (ROA) | 0.5891% | 3,703 |
Pretax return on assets | 1.0639% | 2,695 |
Return on Equity (ROE) | 4.1755% | 4,313 |
Retained earnings to average equity (ytd only) | 4.1755% | 2,946 |
Net charge-offs to loans | 0.5628% | 2,995 |
Credit loss provision to net charge-offs | 79.8305% | 5,771 |
Earnings coverage of net charge-offs (x) | 3.0695% | 3,695 |
Efficiency ratio | 61.4845% | 6,197 |
Assets per employee ($millions) | 8.5630% | 421 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5346% | 3,258 |
Loan loss allowance to noncurrent loans | 121.5978% | 2,341 |
Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,939 |
Noncurrent loans to loans | 1.2620% | 4,834 |
Net loans and leases to total assets | 78.7501% | 1,435 |
Net loans and leases to deposits | 99.2584% | 1,182 |
Net loans and leases to core deposits | 191.4865% | 128 |
Total domestic deposits to total assets | 79.3385% | 5,681 |
Equity capital to assets | 13.4561% | 1,516 |
Core capital (leverage) ratio | 13.7395% | 1,159 |
Tier 1 risk-based capital ratio | 17.4176% | 2,142 |
Total risk-based capital ratio | 18.6716% | 2,097 |
Memoranda: | ||
Average total assets | $167,933,250 | 3,665 |
Average earning assets | $161,352,250 | 3,521 |
Average equity | $23,693,000 | 2,788 |
Average total loans | $139,769,750 | 3,123 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3914% | 5,194 |
Cost of funding earning assets | 1.5999% | 5,742 |
Net interest margin | 3.7914% | 3,587 |
Noninterest income to average assets | 0.1317% | 7,303 |
Noninterest expense to average assets | 2.3321% | 6,670 |
Loan and lease loss provision to assets | 0.1830% | 5,205 |
Net operating income to assets | 0.6879% | 3,308 |
Return on assets (ROA) | 0.6879% | 3,419 |
Pretax return on assets | 1.2441% | 2,181 |
Return on Equity (ROE) | 4.7949% | 4,170 |
Retained earnings to average equity (ytd only) | 4.7949% | 2,643 |
Net charge-offs to loans | 0.1864% | 4,400 |
Credit loss provision to net charge-offs | 116.2791% | 3,988 |
Earnings coverage of net charge-offs (x) | 9.0698% | 2,180 |
Efficiency ratio | 62.0376% | 6,240 |
Assets per employee ($millions) | 7.0562% | 757 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6294% | 2,615 |
Loan loss allowance to noncurrent loans | 2,214.1509% | 186 |
Noncurrent assets plus other real estate owned to assets | 0.1252% | 7,248 |
Noncurrent loans to loans | 0.0736% | 7,340 |
Net loans and leases to total assets | 83.6692% | 682 |
Net loans and leases to deposits | 109.2189% | 592 |
Net loans and leases to core deposits | 177.2204% | 247 |
Total domestic deposits to total assets | 76.6069% | 6,417 |
Equity capital to assets | 14.0585% | 1,293 |
Core capital (leverage) ratio | 15.0630% | 908 |
Tier 1 risk-based capital ratio | 16.8107% | 2,361 |
Total risk-based capital ratio | 18.0551% | 2,311 |
Memoranda: | ||
Average total assets | $163,970,330 | 3,741 |
Average earning assets | $156,880,330 | 3,616 |
Average equity | $23,525,000 | 2,809 |
Average total loans | $138,420,670 | 3,173 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2570% | 6,085 |
Cost of funding earning assets | 1.6469% | 5,829 |
Net interest margin | 3.6101% | 4,277 |
Noninterest income to average assets | 0.1438% | 7,269 |
Noninterest expense to average assets | 2.3735% | 6,278 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.6647% | 3,733 |
Return on assets (ROA) | 0.6647% | 3,909 |
Pretax return on assets | 1.1954% | 2,646 |
Return on Equity (ROE) | 4.5844% | 4,668 |
Retained earnings to average equity (ytd only) | 4.5844% | 3,377 |
Net charge-offs to loans | 0.3805% | 2,568 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | 3.7364% | 3,082 |
Efficiency ratio | 66.5045% | 5,232 |
Assets per employee ($millions) | 6.9999% | 774 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5942% | 2,541 |
Loan loss allowance to noncurrent loans | 2,072.6415% | 225 |
Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,190 |
Noncurrent loans to loans | 0.0769% | 7,304 |
Net loans and leases to total assets | 84.2320% | 658 |
Net loans and leases to deposits | 117.3156% | 350 |
Net loans and leases to core deposits | 197.4505% | 149 |
Total domestic deposits to total assets | 71.7995% | 7,239 |
Equity capital to assets | 14.5953% | 1,211 |
Core capital (leverage) ratio | 15.0117% | 972 |
Tier 1 risk-based capital ratio | 15.9287% | 2,713 |
Total risk-based capital ratio | 17.1816% | 2,652 |
Memoranda: | ||
Average total assets | $161,281,000 | 3,810 |
Average earning assets | $153,014,500 | 3,696 |
Average equity | $23,383,500 | 2,833 |
Average total loans | $135,611,000 | 3,255 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9927% | 5,574 |
Cost of funding earning assets | 2.4470% | 4,490 |
Net interest margin | 3.5457% | 5,119 |
Noninterest income to average assets | 0.2641% | 6,567 |
Noninterest expense to average assets | 2.5126% | 5,955 |
Loan and lease loss provision to assets | 0.6760% | 2,151 |
Net operating income to assets | 0.6839% | 3,964 |
Return on assets (ROA) | 0.6839% | 3,801 |
Pretax return on assets | 0.4502% | 5,123 |
Return on Equity (ROE) | 4.5451% | 4,580 |
Retained earnings to average equity (ytd only) | 4.5451% | 2,291 |
Net charge-offs to loans | -0.1087% | 8,102 |
Credit loss provision to net charge-offs | -752.9412% | 7,417 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.0493% | 4,520 |
Assets per employee ($millions) | 7.6936% | 515 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7434% | 1,788 |
Loan loss allowance to noncurrent loans | 70.8067% | 4,520 |
Noncurrent assets plus other real estate owned to assets | 2.0332% | 2,422 |
Noncurrent loans to loans | 2.4623% | 2,220 |
Net loans and leases to total assets | 81.1364% | 1,405 |
Net loans and leases to deposits | 120.9120% | 367 |
Net loans and leases to core deposits | 191.1015% | 214 |
Total domestic deposits to total assets | 67.1036% | 7,562 |
Equity capital to assets | 14.4023% | 1,325 |
Core capital (leverage) ratio | 15.1313% | 998 |
Tier 1 risk-based capital ratio | 15.9408% | 2,689 |
Total risk-based capital ratio | 17.2019% | 2,627 |
Memoranda: | ||
Average total assets | $151,476,200 | 3,870 |
Average earning assets | $144,174,400 | 3,753 |
Average equity | $22,793,600 | 2,873 |
Average total loans | $125,167,600 | 3,346 |