Home > First National Bank, Ames, Iowa > Performance and Condition Ratios
First National Bank, Ames, Iowa, Performance and Condition Ratios
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6831% | 4,412 |
Cost of funding earning assets | 1.8733% | 2,541 |
Net interest margin | 1.8099% | 4,347 |
Noninterest income to average assets | 0.5400% | 1,719 |
Noninterest expense to average assets | 1.8679% | 3,808 |
Loan and lease loss provision to assets | -0.0300% | 4,235 |
Net operating income to assets | 0.3987% | 3,681 |
Return on assets (ROA) | 0.3987% | 3,710 |
Pretax return on assets | 0.4284% | 3,766 |
Return on Equity (ROE) | 5.1100% | 3,505 |
Retained earnings to average equity (ytd only) | 0.1426% | 3,935 |
Net charge-offs to loans | 0.0006% | 2,816 |
Credit loss provision to net charge-offs | -8,533.3333% | 4,534 |
Earnings coverage of net charge-offs (x) | 1,099.3333% | 103 |
Efficiency ratio | 81.8759% | 959 |
Assets per employee ($millions) | 9.3325% | 953 |
Cash dividends to net income (ytd only)* | 97.2080% | 272 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2579% | 1,899 |
Loan loss allowance to noncurrent loans | 68.5714% | 3,368 |
Noncurrent assets plus other real estate owned to assets | 1.1736% | 525 |
Noncurrent loans to loans | 1.8344% | 449 |
Net loans and leases to total assets | 63.1700% | 2,618 |
Net loans and leases to deposits | 75.5692% | 2,560 |
Net loans and leases to core deposits | 78.5942% | 2,911 |
Total domestic deposits to total assets | 83.5900% | 2,701 |
Equity capital to assets | 8.6442% | 3,294 |
Core capital (leverage) ratio | 9.2809% | 3,499 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2181% | 1,820 |
Memoranda: | ||
Average total assets | $1,113,865,250 | 920 |
Average earning assets | $1,060,155,000 | 890 |
Average equity | $86,966,000 | 1,122 |
Average total loans | $690,351,750 | 1,016 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6411% | 4,424 |
Cost of funding earning assets | 1.8677% | 2,450 |
Net interest margin | 1.7734% | 4,374 |
Noninterest income to average assets | 0.5400% | 1,684 |
Noninterest expense to average assets | 1.8556% | 3,844 |
Loan and lease loss provision to assets | 0.0200% | 2,508 |
Net operating income to assets | 0.3449% | 3,760 |
Return on assets (ROA) | 0.3449% | 3,801 |
Pretax return on assets | 0.3577% | 3,867 |
Return on Equity (ROE) | 4.5800% | 3,614 |
Retained earnings to average equity (ytd only) | -0.7952% | 4,035 |
Net charge-offs to loans | -0.0003% | 3,495 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 82.4894% | 954 |
Assets per employee ($millions) | 9.2900% | 910 |
Cash dividends to net income (ytd only)* | 117.3801% | 231 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3304% | 1,614 |
Loan loss allowance to noncurrent loans | 92.7716% | 3,141 |
Noncurrent assets plus other real estate owned to assets | 0.8910% | 696 |
Noncurrent loans to loans | 1.4341% | 607 |
Net loans and leases to total assets | 61.3000% | 2,838 |
Net loans and leases to deposits | 72.4444% | 2,813 |
Net loans and leases to core deposits | 75.4302% | 3,074 |
Total domestic deposits to total assets | 84.6200% | 2,425 |
Equity capital to assets | 7.7033% | 3,618 |
Core capital (leverage) ratio | 9.0397% | 3,703 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1877% | 1,812 |
Memoranda: | ||
Average total assets | $1,124,298,000 | 912 |
Average earning assets | $1,069,445,333 | 884 |
Average equity | $84,761,667 | 1,138 |
Average total loans | $689,606,333 | 1,015 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6162% | 4,442 |
Cost of funding earning assets | 1.8170% | 2,457 |
Net interest margin | 1.7992% | 4,390 |
Noninterest income to average assets | 0.4900% | 1,833 |
Noninterest expense to average assets | 1.8266% | 3,911 |
Loan and lease loss provision to assets | 0.0200% | 2,205 |
Net operating income to assets | 0.3447% | 3,731 |
Return on assets (ROA) | 0.3447% | 3,752 |
Pretax return on assets | 0.3581% | 3,833 |
Return on Equity (ROE) | 4.6200% | 3,539 |
Retained earnings to average equity (ytd only) | -1.5279% | 3,885 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 82.0259% | 1,036 |
Assets per employee ($millions) | 9.5861% | 836 |
Cash dividends to net income (ytd only)* | 133.0604% | 351 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3165% | 1,697 |
Loan loss allowance to noncurrent loans | 89.8818% | 3,244 |
Noncurrent assets plus other real estate owned to assets | 0.8903% | 675 |
Noncurrent loans to loans | 1.4647% | 552 |
Net loans and leases to total assets | 59.9900% | 2,861 |
Net loans and leases to deposits | 72.4665% | 2,718 |
Net loans and leases to core deposits | 75.6156% | 3,003 |
Total domestic deposits to total assets | 82.7800% | 3,026 |
Equity capital to assets | 7.4571% | 3,702 |
Core capital (leverage) ratio | 8.9138% | 3,779 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0726% | 1,847 |
Memoranda: | ||
Average total assets | $1,133,693,500 | 911 |
Average earning assets | $1,081,140,000 | 885 |
Average equity | $84,562,500 | 1,136 |
Average total loans | $690,986,000 | 1,017 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4246% | 4,424 |
Cost of funding earning assets | 1.5451% | 1,824 |
Net interest margin | 1.8795% | 4,446 |
Noninterest income to average assets | 0.5000% | 1,995 |
Noninterest expense to average assets | 1.7231% | 4,107 |
Loan and lease loss provision to assets | 0.0300% | 2,526 |
Net operating income to assets | 0.4799% | 3,710 |
Return on assets (ROA) | 0.4845% | 3,696 |
Pretax return on assets | 0.5380% | 3,748 |
Return on Equity (ROE) | 6.9000% | 3,307 |
Retained earnings to average equity (ytd only) | 0.6237% | 3,927 |
Net charge-offs to loans | 0.0037% | 2,628 |
Credit loss provision to net charge-offs | 1,364.0000% | 315 |
Earnings coverage of net charge-offs (x) | 256.1200% | 485 |
Efficiency ratio | 74.1128% | 1,448 |
Assets per employee ($millions) | 9.6291% | 793 |
Cash dividends to net income (ytd only)* | 90.9587% | 370 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2919% | 1,808 |
Loan loss allowance to noncurrent loans | 87.4281% | 3,329 |
Noncurrent assets plus other real estate owned to assets | 0.9031% | 552 |
Noncurrent loans to loans | 1.4777% | 467 |
Net loans and leases to total assets | 60.3200% | 2,817 |
Net loans and leases to deposits | 72.7215% | 2,715 |
Net loans and leases to core deposits | 75.6439% | 2,999 |
Total domestic deposits to total assets | 82.9500% | 2,902 |
Equity capital to assets | 7.4610% | 3,741 |
Core capital (leverage) ratio | 8.7576% | 3,933 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8646% | 1,910 |
Memoranda: | ||
Average total assets | $1,134,486,800 | 891 |
Average earning assets | $1,081,191,000 | 859 |
Average equity | $79,688,800 | 1,134 |
Average total loans | $681,377,800 | 981 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3503% | 4,435 |
Cost of funding earning assets | 1.4717% | 1,683 |
Net interest margin | 1.8785% | 4,472 |
Noninterest income to average assets | 0.5000% | 1,963 |
Noninterest expense to average assets | 1.7160% | 4,100 |
Loan and lease loss provision to assets | 0.0100% | 2,772 |
Net operating income to assets | 0.5054% | 3,752 |
Return on assets (ROA) | 0.5115% | 3,735 |
Pretax return on assets | 0.5734% | 3,784 |
Return on Equity (ROE) | 7.4000% | 3,330 |
Retained earnings to average equity (ytd only) | 1.1069% | 3,927 |
Net charge-offs to loans | 0.0045% | 2,317 |
Credit loss provision to net charge-offs | 473.9130% | 665 |
Earnings coverage of net charge-offs (x) | 213.6957% | 572 |
Efficiency ratio | 73.5534% | 1,400 |
Assets per employee ($millions) | 9.4376% | 798 |
Cash dividends to net income (ytd only)* | 85.0379% | 391 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2883% | 1,919 |
Loan loss allowance to noncurrent loans | 76.9251% | 3,409 |
Noncurrent assets plus other real estate owned to assets | 1.0118% | 511 |
Noncurrent loans to loans | 1.6747% | 405 |
Net loans and leases to total assets | 59.6400% | 2,883 |
Net loans and leases to deposits | 71.5421% | 2,738 |
Net loans and leases to core deposits | 74.7227% | 2,947 |
Total domestic deposits to total assets | 83.3600% | 2,943 |
Equity capital to assets | 6.7206% | 3,741 |
Core capital (leverage) ratio | 8.9114% | 3,853 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0497% | 1,877 |
Memoranda: | ||
Average total assets | $1,134,050,750 | 893 |
Average earning assets | $1,080,964,500 | 860 |
Average equity | $78,417,500 | 1,142 |
Average total loans | $678,126,750 | 986 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3057% | 4,458 |
Cost of funding earning assets | 1.3960% | 1,457 |
Net interest margin | 1.9097% | 4,517 |
Noninterest income to average assets | 0.4900% | 1,926 |
Noninterest expense to average assets | 1.7282% | 4,111 |
Loan and lease loss provision to assets | 0.0400% | 2,074 |
Net operating income to assets | 0.4870% | 3,835 |
Return on assets (ROA) | 0.4864% | 3,844 |
Pretax return on assets | 0.5393% | 3,896 |
Return on Equity (ROE) | 6.9700% | 3,483 |
Retained earnings to average equity (ytd only) | 0.9245% | 3,928 |
Net charge-offs to loans | 0.0071% | 1,974 |
Credit loss provision to net charge-offs | 995.8333% | 414 |
Earnings coverage of net charge-offs (x) | 137.4583% | 786 |
Efficiency ratio | 73.6405% | 1,386 |
Assets per employee ($millions) | 9.7505% | 720 |
Cash dividends to net income (ytd only)* | 86.7365% | 458 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2941% | 1,952 |
Loan loss allowance to noncurrent loans | 110.6261% | 3,183 |
Noncurrent assets plus other real estate owned to assets | 0.6969% | 753 |
Noncurrent loans to loans | 1.1698% | 603 |
Net loans and leases to total assets | 58.8000% | 2,884 |
Net loans and leases to deposits | 70.1156% | 2,778 |
Net loans and leases to core deposits | 72.9266% | 2,966 |
Total domestic deposits to total assets | 83.8600% | 2,854 |
Equity capital to assets | 6.9281% | 3,829 |
Core capital (leverage) ratio | 8.7385% | 3,977 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0569% | 1,871 |
Memoranda: | ||
Average total assets | $1,137,708,667 | 881 |
Average earning assets | $1,085,828,333 | 852 |
Average equity | $79,397,667 | 1,125 |
Average total loans | $678,002,000 | 978 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2101% | 4,486 |
Cost of funding earning assets | 1.2498% | 1,338 |
Net interest margin | 1.9603% | 4,570 |
Noninterest income to average assets | 0.4700% | 1,975 |
Noninterest expense to average assets | 1.7188% | 4,171 |
Loan and lease loss provision to assets | 0.0700% | 1,437 |
Net operating income to assets | 0.4993% | 3,901 |
Return on assets (ROA) | 0.4993% | 3,865 |
Pretax return on assets | 0.5551% | 3,914 |
Return on Equity (ROE) | 7.1300% | 3,485 |
Retained earnings to average equity (ytd only) | 1.5750% | 3,769 |
Net charge-offs to loans | -0.0012% | 3,337 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 72.1576% | 1,522 |
Assets per employee ($millions) | 9.5442% | 792 |
Cash dividends to net income (ytd only)* | 77.9037% | 661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2909% | 2,075 |
Loan loss allowance to noncurrent loans | 109.3064% | 3,282 |
Noncurrent assets plus other real estate owned to assets | 0.7037% | 694 |
Noncurrent loans to loans | 1.1810% | 592 |
Net loans and leases to total assets | 58.8100% | 2,784 |
Net loans and leases to deposits | 70.4427% | 2,569 |
Net loans and leases to core deposits | 73.1769% | 2,740 |
Total domestic deposits to total assets | 83.4900% | 3,201 |
Equity capital to assets | 7.1330% | 3,768 |
Core capital (leverage) ratio | 8.9165% | 3,803 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9897% | 1,978 |
Memoranda: | ||
Average total assets | $1,131,283,500 | 903 |
Average earning assets | $1,079,825,500 | 871 |
Average equity | $79,240,500 | 1,138 |
Average total loans | $674,299,500 | 993 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9112% | 4,228 |
Cost of funding earning assets | 0.4337% | 1,835 |
Net interest margin | 2.4776% | 4,309 |
Noninterest income to average assets | 0.5200% | 1,990 |
Noninterest expense to average assets | 1.7619% | 4,077 |
Loan and lease loss provision to assets | -0.0700% | 4,460 |
Net operating income to assets | 0.9442% | 2,796 |
Return on assets (ROA) | 0.9444% | 2,738 |
Pretax return on assets | 1.1969% | 2,443 |
Return on Equity (ROE) | 12.4800% | 1,983 |
Retained earnings to average equity (ytd only) | 7.2195% | 2,140 |
Net charge-offs to loans | 0.0088% | 2,063 |
Credit loss provision to net charge-offs | -1,398.2143% | 4,675 |
Earnings coverage of net charge-offs (x) | 222.2321% | 604 |
Efficiency ratio | 59.8590% | 3,080 |
Assets per employee ($millions) | 9.1579% | 866 |
Cash dividends to net income (ytd only)* | 42.1496% | 1,794 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2885% | 1,956 |
Loan loss allowance to noncurrent loans | 73.3738% | 3,528 |
Noncurrent assets plus other real estate owned to assets | 1.0471% | 408 |
Noncurrent loans to loans | 1.7560% | 345 |
Net loans and leases to total assets | 58.8600% | 2,744 |
Net loans and leases to deposits | 66.9645% | 2,817 |
Net loans and leases to core deposits | 69.3013% | 2,925 |
Total domestic deposits to total assets | 87.9000% | 2,105 |
Equity capital to assets | 6.8727% | 3,726 |
Core capital (leverage) ratio | 8.9487% | 3,741 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1832% | 1,907 |
Memoranda: | ||
Average total assets | $1,105,366,800 | 896 |
Average earning assets | $1,055,187,000 | 873 |
Average equity | $83,648,600 | 1,093 |
Average total loans | $635,293,800 | 992 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8307% | 4,157 |
Cost of funding earning assets | 0.2860% | 2,324 |
Net interest margin | 2.5446% | 4,172 |
Noninterest income to average assets | 0.5100% | 2,099 |
Noninterest expense to average assets | 1.7475% | 4,080 |
Loan and lease loss provision to assets | -0.0600% | 4,520 |
Net operating income to assets | 0.9756% | 2,562 |
Return on assets (ROA) | 0.9758% | 2,537 |
Pretax return on assets | 1.2543% | 2,193 |
Return on Equity (ROE) | 12.6000% | 1,836 |
Retained earnings to average equity (ytd only) | 7.4471% | 2,212 |
Net charge-offs to loans | 0.0025% | 2,166 |
Credit loss provision to net charge-offs | -3,975.0000% | 4,750 |
Earnings coverage of net charge-offs (x) | 824.3333% | 199 |
Efficiency ratio | 58.2022% | 3,364 |
Assets per employee ($millions) | 8.9773% | 900 |
Cash dividends to net income (ytd only)* | 40.9023% | 1,539 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3975% | 1,614 |
Loan loss allowance to noncurrent loans | 74.1389% | 3,590 |
Noncurrent assets plus other real estate owned to assets | 1.1092% | 393 |
Noncurrent loans to loans | 1.8850% | 326 |
Net loans and leases to total assets | 58.0200% | 2,696 |
Net loans and leases to deposits | 67.2656% | 2,610 |
Net loans and leases to core deposits | 68.3195% | 2,772 |
Total domestic deposits to total assets | 86.2600% | 2,999 |
Equity capital to assets | 6.4695% | 3,756 |
Core capital (leverage) ratio | 8.9797% | 3,630 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7877% | 1,774 |
Memoranda: | ||
Average total assets | $1,102,393,000 | 904 |
Average earning assets | $1,052,955,000 | 882 |
Average equity | $85,364,250 | 1,088 |
Average total loans | $627,560,750 | 996 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7441% | 4,079 |
Cost of funding earning assets | 0.1906% | 3,037 |
Net interest margin | 2.5535% | 3,997 |
Noninterest income to average assets | 0.5405% | 1,990 |
Noninterest expense to average assets | 1.7653% | 4,028 |
Loan and lease loss provision to assets | 0.0031% | 2,551 |
Net operating income to assets | 0.9233% | 2,476 |
Return on assets (ROA) | 0.9233% | 2,444 |
Pretax return on assets | 1.2174% | 2,017 |
Return on Equity (ROE) | 11.3149% | 1,887 |
Retained earnings to average equity (ytd only) | 6.4473% | 2,190 |
Net charge-offs to loans | 0.0048% | 1,841 |
Credit loss provision to net charge-offs | 120.0000% | 1,183 |
Earnings coverage of net charge-offs (x) | 450.6667% | 281 |
Efficiency ratio | 57.9816% | 3,565 |
Assets per employee ($millions) | 9.0354% | 868 |
Cash dividends to net income (ytd only)* | 43.0192% | 1,606 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5063% | 1,389 |
Loan loss allowance to noncurrent loans | 113.8956% | 3,280 |
Noncurrent assets plus other real estate owned to assets | 0.7570% | 694 |
Noncurrent loans to loans | 1.3225% | 592 |
Net loans and leases to total assets | 56.3773% | 2,711 |
Net loans and leases to deposits | 62.9594% | 2,811 |
Net loans and leases to core deposits | 63.8216% | 2,986 |
Total domestic deposits to total assets | 89.5455% | 1,921 |
Equity capital to assets | 7.3378% | 3,575 |
Core capital (leverage) ratio | 8.6722% | 3,784 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6827% | 1,806 |
Memoranda: | ||
Average total assets | $1,107,772,000 | 901 |
Average earning assets | $1,060,813,667 | 880 |
Average equity | $90,394,000 | 1,046 |
Average total loans | $623,675,000 | 994 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6365% | 4,057 |
Cost of funding earning assets | 0.1487% | 3,521 |
Net interest margin | 2.4878% | 3,923 |
Noninterest income to average assets | 0.5406% | 1,947 |
Noninterest expense to average assets | 1.7173% | 4,114 |
Loan and lease loss provision to assets | 0.0065% | 2,192 |
Net operating income to assets | 0.9890% | 1,923 |
Return on assets (ROA) | 0.9890% | 1,918 |
Pretax return on assets | 1.2061% | 1,789 |
Return on Equity (ROE) | 11.5501% | 1,437 |
Retained earnings to average equity (ytd only) | 6.9418% | 1,907 |
Net charge-offs to loans | 0.0077% | 1,467 |
Credit loss provision to net charge-offs | 150.0000% | 860 |
Earnings coverage of net charge-offs (x) | 281.6667% | 336 |
Efficiency ratio | 57.4630% | 3,740 |
Assets per employee ($millions) | 9.0678% | 889 |
Cash dividends to net income (ytd only)* | 39.8984% | 1,503 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5095% | 1,530 |
Loan loss allowance to noncurrent loans | 107.8463% | 3,308 |
Noncurrent assets plus other real estate owned to assets | 0.7839% | 704 |
Noncurrent loans to loans | 1.3997% | 611 |
Net loans and leases to total assets | 55.1586% | 2,615 |
Net loans and leases to deposits | 61.3235% | 2,771 |
Net loans and leases to core deposits | 62.2570% | 2,951 |
Total domestic deposits to total assets | 89.9468% | 1,593 |
Equity capital to assets | 7.8883% | 3,656 |
Core capital (leverage) ratio | 8.8687% | 3,491 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5204% | 1,982 |
Memoranda: | ||
Average total assets | $1,115,015,000 | 901 |
Average earning assets | $1,070,805,000 | 878 |
Average equity | $95,479,500 | 1,019 |
Average total loans | $622,617,000 | 987 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9349% | 3,990 |
Cost of funding earning assets | 0.1777% | 3,687 |
Net interest margin | 2.7572% | 3,764 |
Noninterest income to average assets | 0.5455% | 2,376 |
Noninterest expense to average assets | 1.7205% | 4,268 |
Loan and lease loss provision to assets | -0.0345% | 4,290 |
Net operating income to assets | 1.2184% | 1,865 |
Return on assets (ROA) | 1.2184% | 1,910 |
Pretax return on assets | 1.5110% | 1,682 |
Return on Equity (ROE) | 12.9599% | 1,480 |
Retained earnings to average equity (ytd only) | 9.0138% | 1,200 |
Net charge-offs to loans | 0.0008% | 2,663 |
Credit loss provision to net charge-offs | -7,440.0000% | 4,200 |
Earnings coverage of net charge-offs (x) | 3,183.8000% | 39 |
Efficiency ratio | 52.6473% | 4,068 |
Assets per employee ($millions) | 8.7085% | 1,010 |
Cash dividends to net income (ytd only)* | 30.4484% | 2,533 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5184% | 1,490 |
Loan loss allowance to noncurrent loans | 108.0248% | 3,329 |
Noncurrent assets plus other real estate owned to assets | 0.7826% | 771 |
Noncurrent loans to loans | 1.4056% | 664 |
Net loans and leases to total assets | 54.8293% | 2,746 |
Net loans and leases to deposits | 61.8914% | 2,890 |
Net loans and leases to core deposits | 62.8072% | 3,091 |
Total domestic deposits to total assets | 88.5895% | 1,739 |
Equity capital to assets | 9.2383% | 3,380 |
Core capital (leverage) ratio | 8.6643% | 3,759 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4844% | 2,054 |
Memoranda: | ||
Average total assets | $1,078,192,600 | 906 |
Average earning assets | $1,036,810,200 | 876 |
Average equity | $101,366,400 | 1,003 |
Average total loans | $626,934,400 | 965 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9970% | 4,010 |
Cost of funding earning assets | 0.1874% | 3,739 |
Net interest margin | 2.8095% | 3,760 |
Noninterest income to average assets | 0.5454% | 2,433 |
Noninterest expense to average assets | 1.7183% | 4,300 |
Loan and lease loss provision to assets | 0.0228% | 2,537 |
Net operating income to assets | 1.2139% | 2,122 |
Return on assets (ROA) | 1.2139% | 2,179 |
Pretax return on assets | 1.5037% | 1,980 |
Return on Equity (ROE) | 12.8532% | 1,742 |
Retained earnings to average equity (ytd only) | 8.8914% | 1,737 |
Net charge-offs to loans | 0.0015% | 2,363 |
Credit loss provision to net charge-offs | 2,614.2857% | 266 |
Earnings coverage of net charge-offs (x) | 1,748.5714% | 83 |
Efficiency ratio | 51.7757% | 4,040 |
Assets per employee ($millions) | 8.9345% | 913 |
Cash dividends to net income (ytd only)* | 30.8230% | 2,039 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5874% | 1,369 |
Loan loss allowance to noncurrent loans | 112.3283% | 3,278 |
Noncurrent assets plus other real estate owned to assets | 0.8149% | 872 |
Noncurrent loans to loans | 1.4132% | 751 |
Net loans and leases to total assets | 56.7466% | 2,645 |
Net loans and leases to deposits | 64.1620% | 2,833 |
Net loans and leases to core deposits | 65.3047% | 3,012 |
Total domestic deposits to total assets | 88.4427% | 1,604 |
Equity capital to assets | 9.4823% | 3,389 |
Core capital (leverage) ratio | 8.7911% | 3,763 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6551% | 2,106 |
Memoranda: | ||
Average total assets | $1,069,068,500 | 920 |
Average earning assets | $1,027,195,750 | 890 |
Average equity | $100,963,500 | 1,022 |
Average total loans | $628,518,250 | 981 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0162% | 4,012 |
Cost of funding earning assets | 0.2042% | 3,705 |
Net interest margin | 2.8120% | 3,767 |
Noninterest income to average assets | 0.5372% | 2,456 |
Noninterest expense to average assets | 1.7628% | 4,260 |
Loan and lease loss provision to assets | 0.0362% | 2,270 |
Net operating income to assets | 1.1675% | 2,303 |
Return on assets (ROA) | 1.1675% | 2,363 |
Pretax return on assets | 1.4402% | 2,211 |
Return on Equity (ROE) | 12.3795% | 1,920 |
Retained earnings to average equity (ytd only) | 8.3861% | 1,944 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.2236% | 3,899 |
Assets per employee ($millions) | 8.6718% | 961 |
Cash dividends to net income (ytd only)* | 32.2581% | 1,954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6001% | 1,271 |
Loan loss allowance to noncurrent loans | 109.6325% | 3,250 |
Noncurrent assets plus other real estate owned to assets | 0.8477% | 923 |
Noncurrent loans to loans | 1.4595% | 785 |
Net loans and leases to total assets | 57.1483% | 2,771 |
Net loans and leases to deposits | 64.5007% | 2,950 |
Net loans and leases to core deposits | 65.8734% | 3,119 |
Total domestic deposits to total assets | 88.6010% | 1,506 |
Equity capital to assets | 9.4319% | 3,400 |
Core capital (leverage) ratio | 8.4666% | 4,009 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,062,090,000 | 923 |
Average earning assets | $1,020,496,333 | 892 |
Average equity | $100,165,667 | 1,024 |
Average total loans | $628,518,667 | 980 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1094% | 3,865 |
Cost of funding earning assets | 0.2274% | 3,659 |
Net interest margin | 2.8820% | 3,570 |
Noninterest income to average assets | 0.5256% | 2,497 |
Noninterest expense to average assets | 1.7562% | 4,281 |
Loan and lease loss provision to assets | 0.1315% | 1,040 |
Net operating income to assets | 1.1418% | 2,353 |
Return on assets (ROA) | 1.1418% | 2,418 |
Pretax return on assets | 1.4045% | 2,268 |
Return on Equity (ROE) | 12.1080% | 1,982 |
Retained earnings to average equity (ytd only) | 8.0894% | 2,208 |
Net charge-offs to loans | 0.0006% | 1,920 |
Credit loss provision to net charge-offs | 34,700.0000% | 10 |
Earnings coverage of net charge-offs (x) | 4,053.0000% | 9 |
Efficiency ratio | 52.1584% | 3,978 |
Assets per employee ($millions) | 8.4360% | 1,014 |
Cash dividends to net income (ytd only)* | 33.1895% | 1,609 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6078% | 1,275 |
Loan loss allowance to noncurrent loans | 110.8489% | 3,200 |
Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,048 |
Noncurrent loans to loans | 1.4504% | 867 |
Net loans and leases to total assets | 57.5027% | 2,857 |
Net loans and leases to deposits | 65.2747% | 2,999 |
Net loans and leases to core deposits | 66.8976% | 3,163 |
Total domestic deposits to total assets | 88.0934% | 1,798 |
Equity capital to assets | 9.0811% | 3,610 |
Core capital (leverage) ratio | 8.5053% | 4,103 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,055,482,000 | 917 |
Average earning assets | $1,013,176,500 | 884 |
Average equity | $99,537,500 | 1,020 |
Average total loans | $630,522,000 | 973 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3634% | 4,247 |
Cost of funding earning assets | 0.4114% | 3,511 |
Net interest margin | 2.9520% | 4,005 |
Noninterest income to average assets | 0.6019% | 2,211 |
Noninterest expense to average assets | 1.8649% | 4,373 |
Loan and lease loss provision to assets | 0.3909% | 816 |
Net operating income to assets | 0.9659% | 2,416 |
Return on assets (ROA) | 1.0031% | 2,424 |
Pretax return on assets | 1.2009% | 2,319 |
Return on Equity (ROE) | 10.2557% | 1,908 |
Retained earnings to average equity (ytd only) | 5.4211% | 2,083 |
Net charge-offs to loans | 0.0694% | 1,800 |
Credit loss provision to net charge-offs | 914.1827% | 824 |
Earnings coverage of net charge-offs (x) | 36.1923% | 1,459 |
Efficiency ratio | 53.3225% | 4,278 |
Assets per employee ($millions) | 7.8118% | 1,113 |
Cash dividends to net income (ytd only)* | 47.1408% | 2,001 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5558% | 1,409 |
Loan loss allowance to noncurrent loans | 106.4632% | 3,243 |
Noncurrent assets plus other real estate owned to assets | 0.8928% | 1,116 |
Noncurrent loans to loans | 1.4613% | 919 |
Net loans and leases to total assets | 60.1440% | 2,848 |
Net loans and leases to deposits | 68.5662% | 3,023 |
Net loans and leases to core deposits | 70.5944% | 3,220 |
Total domestic deposits to total assets | 87.7167% | 1,606 |
Equity capital to assets | 9.7965% | 3,320 |
Core capital (leverage) ratio | 8.5650% | 4,137 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $972,830,800 | 901 |
Average earning assets | $926,255,800 | 882 |
Average equity | $95,147,200 | 1,006 |
Average total loans | $599,680,200 | 977 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3925% | 4,355 |
Cost of funding earning assets | 0.4526% | 3,514 |
Net interest margin | 2.9400% | 4,109 |
Noninterest income to average assets | 0.5998% | 2,179 |
Noninterest expense to average assets | 1.8991% | 4,326 |
Loan and lease loss provision to assets | 0.3750% | 983 |
Net operating income to assets | 0.9320% | 2,590 |
Return on assets (ROA) | 0.9816% | 2,542 |
Pretax return on assets | 1.1803% | 2,453 |
Return on Equity (ROE) | 10.0411% | 2,007 |
Retained earnings to average equity (ytd only) | 4.9173% | 2,592 |
Net charge-offs to loans | 0.0989% | 1,322 |
Credit loss provision to net charge-offs | 613.8952% | 1,151 |
Earnings coverage of net charge-offs (x) | 24.4829% | 1,759 |
Efficiency ratio | 54.5641% | 4,091 |
Assets per employee ($millions) | 7.5271% | 1,195 |
Cash dividends to net income (ytd only)* | 51.0276% | 1,454 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3465% | 1,974 |
Loan loss allowance to noncurrent loans | 84.7507% | 3,493 |
Noncurrent assets plus other real estate owned to assets | 1.0375% | 1,051 |
Noncurrent loans to loans | 1.5888% | 888 |
Net loans and leases to total assets | 64.4204% | 2,717 |
Net loans and leases to deposits | 73.5386% | 2,998 |
Net loans and leases to core deposits | 75.8569% | 3,176 |
Total domestic deposits to total assets | 87.6008% | 1,396 |
Equity capital to assets | 10.0641% | 3,174 |
Core capital (leverage) ratio | 8.7671% | 3,987 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $958,249,750 | 908 |
Average earning assets | $910,917,750 | 877 |
Average equity | $93,679,750 | 1,013 |
Average total loans | $592,105,500 | 986 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4208% | 4,519 |
Cost of funding earning assets | 0.5111% | 3,469 |
Net interest margin | 2.9097% | 4,294 |
Noninterest income to average assets | 0.5806% | 2,207 |
Noninterest expense to average assets | 1.9119% | 4,395 |
Loan and lease loss provision to assets | 0.4647% | 818 |
Net operating income to assets | 0.8105% | 3,006 |
Return on assets (ROA) | 0.8866% | 2,862 |
Pretax return on assets | 1.0531% | 2,861 |
Return on Equity (ROE) | 9.1628% | 2,289 |
Retained earnings to average equity (ytd only) | 3.5000% | 3,181 |
Net charge-offs to loans | 0.1545% | 952 |
Credit loss provision to net charge-offs | 496.6216% | 1,242 |
Earnings coverage of net charge-offs (x) | 15.2523% | 1,918 |
Efficiency ratio | 55.8319% | 3,963 |
Assets per employee ($millions) | 7.4374% | 1,209 |
Cash dividends to net income (ytd only)* | 61.8018% | 1,187 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3244% | 1,892 |
Loan loss allowance to noncurrent loans | 79.9589% | 3,522 |
Noncurrent assets plus other real estate owned to assets | 1.0414% | 1,133 |
Noncurrent loans to loans | 1.6563% | 882 |
Net loans and leases to total assets | 62.0421% | 3,123 |
Net loans and leases to deposits | 71.1684% | 3,336 |
Net loans and leases to core deposits | 73.4217% | 3,494 |
Total domestic deposits to total assets | 87.1765% | 1,553 |
Equity capital to assets | 9.8194% | 3,353 |
Core capital (leverage) ratio | 8.6515% | 4,256 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $948,983,333 | 892 |
Average earning assets | $899,679,000 | 876 |
Average equity | $91,827,333 | 1,017 |
Average total loans | $574,845,000 | 996 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4627% | 4,672 |
Cost of funding earning assets | 0.6193% | 3,336 |
Net interest margin | 2.8435% | 4,511 |
Noninterest income to average assets | 0.6009% | 2,041 |
Noninterest expense to average assets | 1.9592% | 4,474 |
Loan and lease loss provision to assets | 0.5327% | 547 |
Net operating income to assets | 0.6806% | 3,333 |
Return on assets (ROA) | 0.8214% | 2,917 |
Pretax return on assets | 0.9646% | 2,948 |
Return on Equity (ROE) | 8.5547% | 2,291 |
Retained earnings to average equity (ytd only) | 2.7473% | 3,179 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.0607% | 3,991 |
Assets per employee ($millions) | 7.1041% | 1,050 |
Cash dividends to net income (ytd only)* | 67.8851% | 1,241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3461% | 1,931 |
Loan loss allowance to noncurrent loans | 83.1632% | 3,514 |
Noncurrent assets plus other real estate owned to assets | 0.9671% | 1,373 |
Noncurrent loans to loans | 1.6187% | 956 |
Net loans and leases to total assets | 58.9405% | 3,601 |
Net loans and leases to deposits | 68.7102% | 3,682 |
Net loans and leases to core deposits | 71.3567% | 3,791 |
Total domestic deposits to total assets | 85.7813% | 2,091 |
Equity capital to assets | 9.4525% | 4,261 |
Core capital (leverage) ratio | 9.0614% | 4,412 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $932,608,500 | 882 |
Average earning assets | $882,306,500 | 863 |
Average equity | $89,541,000 | 1,036 |
Average total loans | $553,636,000 | 1,006 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6826% | 4,694 |
Cost of funding earning assets | 0.6530% | 3,400 |
Net interest margin | 3.0296% | 4,485 |
Noninterest income to average assets | 0.6744% | 1,907 |
Noninterest expense to average assets | 2.0731% | 4,404 |
Loan and lease loss provision to assets | 0.0289% | 3,433 |
Net operating income to assets | 1.1888% | 2,098 |
Return on assets (ROA) | 1.1890% | 2,196 |
Pretax return on assets | 1.4295% | 2,049 |
Return on Equity (ROE) | 12.0952% | 1,475 |
Retained earnings to average equity (ytd only) | 5.9764% | 1,882 |
Net charge-offs to loans | -0.0034% | 4,288 |
Credit loss provision to net charge-offs | -1,388.8889% | 4,564 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0984% | 4,079 |
Assets per employee ($millions) | 6.8155% | 1,123 |
Cash dividends to net income (ytd only)* | 50.5886% | 2,006 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1910% | 2,486 |
Loan loss allowance to noncurrent loans | 2,315.5235% | 288 |
Noncurrent assets plus other real estate owned to assets | 0.0303% | 4,493 |
Noncurrent loans to loans | 0.0514% | 4,340 |
Net loans and leases to total assets | 58.2653% | 3,750 |
Net loans and leases to deposits | 67.2161% | 3,878 |
Net loans and leases to core deposits | 69.7009% | 3,973 |
Total domestic deposits to total assets | 86.6836% | 1,764 |
Equity capital to assets | 9.7560% | 4,149 |
Core capital (leverage) ratio | 9.2980% | 4,283 |
Tier 1 risk-based capital ratio | 12.7982% | 3,897 |
Total risk-based capital ratio | 13.8628% | 3,886 |
Memoranda: | ||
Average total assets | $864,508,800 | 912 |
Average earning assets | $815,215,600 | 889 |
Average equity | $84,984,000 | 1,035 |
Average total loans | $522,110,600 | 1,035 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7301% | 4,748 |
Cost of funding earning assets | 0.6541% | 3,433 |
Net interest margin | 3.0761% | 4,514 |
Noninterest income to average assets | 0.6774% | 1,880 |
Noninterest expense to average assets | 2.0327% | 4,490 |
Loan and lease loss provision to assets | 0.0321% | 3,264 |
Net operating income to assets | 1.1944% | 2,213 |
Return on assets (ROA) | 1.1947% | 2,291 |
Pretax return on assets | 1.5146% | 1,914 |
Return on Equity (ROE) | 12.1284% | 1,569 |
Retained earnings to average equity (ytd only) | 5.9348% | 2,403 |
Net charge-offs to loans | -0.0044% | 4,170 |
Credit loss provision to net charge-offs | -1,205.8824% | 4,447 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.1379% | 4,266 |
Assets per employee ($millions) | 6.5623% | 1,236 |
Cash dividends to net income (ytd only)* | 51.0672% | 1,623 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2321% | 2,325 |
Loan loss allowance to noncurrent loans | 521.1129% | 945 |
Noncurrent assets plus other real estate owned to assets | 0.1400% | 4,032 |
Noncurrent loans to loans | 0.2364% | 3,694 |
Net loans and leases to total assets | 58.4882% | 3,823 |
Net loans and leases to deposits | 69.0144% | 3,838 |
Net loans and leases to core deposits | 71.0500% | 3,998 |
Total domestic deposits to total assets | 84.7479% | 2,526 |
Equity capital to assets | 10.1063% | 3,914 |
Core capital (leverage) ratio | 9.4706% | 4,196 |
Tier 1 risk-based capital ratio | 12.7885% | 3,963 |
Total risk-based capital ratio | 13.8578% | 3,953 |
Memoranda: | ||
Average total assets | $852,318,250 | 923 |
Average earning assets | $803,991,250 | 901 |
Average equity | $83,955,250 | 1,043 |
Average total loans | $518,004,750 | 1,045 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7330% | 4,793 |
Cost of funding earning assets | 0.6459% | 3,430 |
Net interest margin | 3.0871% | 4,556 |
Noninterest income to average assets | 0.7011% | 1,708 |
Noninterest expense to average assets | 2.0336% | 4,546 |
Loan and lease loss provision to assets | 0.0326% | 3,180 |
Net operating income to assets | 1.2193% | 2,073 |
Return on assets (ROA) | 1.2196% | 2,128 |
Pretax return on assets | 1.5513% | 1,693 |
Return on Equity (ROE) | 12.4936% | 1,414 |
Retained earnings to average equity (ytd only) | 6.1935% | 2,196 |
Net charge-offs to loans | -0.0066% | 4,198 |
Credit loss provision to net charge-offs | -811.7647% | 4,214 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.5615% | 4,407 |
Assets per employee ($millions) | 6.3673% | 1,301 |
Cash dividends to net income (ytd only)* | 50.4267% | 1,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2388% | 2,312 |
Loan loss allowance to noncurrent loans | 1,307.0539% | 481 |
Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,478 |
Noncurrent loans to loans | 0.0948% | 4,256 |
Net loans and leases to total assets | 58.8642% | 3,835 |
Net loans and leases to deposits | 67.3426% | 4,005 |
Net loans and leases to core deposits | 69.1589% | 4,142 |
Total domestic deposits to total assets | 87.4100% | 1,382 |
Equity capital to assets | 10.0859% | 3,904 |
Core capital (leverage) ratio | 9.3907% | 4,256 |
Tier 1 risk-based capital ratio | 12.7442% | 3,982 |
Total risk-based capital ratio | 13.8209% | 3,981 |
Memoranda: | ||
Average total assets | $845,494,000 | 922 |
Average earning assets | $798,607,670 | 902 |
Average equity | $82,538,000 | 1,050 |
Average total loans | $518,390,330 | 1,038 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7375% | 4,799 |
Cost of funding earning assets | 0.6207% | 3,460 |
Net interest margin | 3.1167% | 4,560 |
Noninterest income to average assets | 0.6240% | 1,942 |
Noninterest expense to average assets | 2.0627% | 4,525 |
Loan and lease loss provision to assets | 0.0328% | 2,973 |
Net operating income to assets | 1.1544% | 2,245 |
Return on assets (ROA) | 1.1544% | 2,299 |
Pretax return on assets | 1.4638% | 1,880 |
Return on Equity (ROE) | 12.0277% | 1,518 |
Retained earnings to average equity (ytd only) | 5.5905% | 2,648 |
Net charge-offs to loans | -0.0252% | 4,580 |
Credit loss provision to net charge-offs | -209.0909% | 3,649 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2558% | 4,300 |
Assets per employee ($millions) | 6.3272% | 1,333 |
Cash dividends to net income (ytd only)* | 53.5200% | 1,529 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2036% | 2,556 |
Loan loss allowance to noncurrent loans | 1,832.2581% | 350 |
Noncurrent assets plus other real estate owned to assets | 0.0784% | 4,412 |
Noncurrent loans to loans | 0.0657% | 4,467 |
Net loans and leases to total assets | 60.9470% | 3,608 |
Net loans and leases to deposits | 69.7777% | 3,778 |
Net loans and leases to core deposits | 71.5647% | 3,977 |
Total domestic deposits to total assets | 87.3445% | 1,647 |
Equity capital to assets | 9.8065% | 4,005 |
Core capital (leverage) ratio | 9.2307% | 4,433 |
Tier 1 risk-based capital ratio | 12.4494% | 4,205 |
Total risk-based capital ratio | 13.5151% | 4,179 |
Memoranda: | ||
Average total assets | $841,633,500 | 928 |
Average earning assets | $792,625,000 | 910 |
Average equity | $80,780,000 | 1,065 |
Average total loans | $523,316,500 | 1,032 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5357% | 4,875 |
Cost of funding earning assets | 0.4999% | 3,361 |
Net interest margin | 3.0358% | 4,756 |
Noninterest income to average assets | 0.6818% | 1,926 |
Noninterest expense to average assets | 2.0489% | 4,657 |
Loan and lease loss provision to assets | 0.0538% | 3,104 |
Net operating income to assets | 1.1488% | 2,391 |
Return on assets (ROA) | 1.1488% | 2,391 |
Pretax return on assets | 1.4550% | 1,931 |
Return on Equity (ROE) | 11.7686% | 1,795 |
Retained earnings to average equity (ytd only) | 5.5170% | 2,477 |
Net charge-offs to loans | -0.0002% | 4,148 |
Credit loss provision to net charge-offs | -42,300.0000% | 5,002 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5966% | 4,330 |
Assets per employee ($millions) | 6.0996% | 1,456 |
Cash dividends to net income (ytd only)* | 53.1208% | 1,810 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1651% | 2,744 |
Loan loss allowance to noncurrent loans | 1,175.1434% | 542 |
Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,326 |
Noncurrent loans to loans | 0.0991% | 4,287 |
Net loans and leases to total assets | 61.9376% | 3,573 |
Net loans and leases to deposits | 72.0520% | 3,665 |
Net loans and leases to core deposits | 73.3828% | 3,897 |
Total domestic deposits to total assets | 85.9625% | 2,252 |
Equity capital to assets | 9.3896% | 4,228 |
Core capital (leverage) ratio | 9.0811% | 4,576 |
Tier 1 risk-based capital ratio | 12.0789% | 4,377 |
Total risk-based capital ratio | 13.1136% | 4,402 |
Memoranda: | ||
Average total assets | $786,576,200 | 964 |
Average earning assets | $745,144,800 | 940 |
Average equity | $76,780,600 | 1,068 |
Average total loans | $462,613,600 | 1,126 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4398% | 4,995 |
Cost of funding earning assets | 0.4749% | 3,362 |
Net interest margin | 2.9649% | 4,897 |
Noninterest income to average assets | 0.6977% | 1,871 |
Noninterest expense to average assets | 2.0128% | 4,716 |
Loan and lease loss provision to assets | 0.0159% | 3,696 |
Net operating income to assets | 1.1722% | 2,352 |
Return on assets (ROA) | 1.1722% | 2,360 |
Pretax return on assets | 1.4860% | 1,947 |
Return on Equity (ROE) | 11.8851% | 1,830 |
Retained earnings to average equity (ytd only) | 5.5875% | 2,894 |
Net charge-offs to loans | -0.0003% | 3,985 |
Credit loss provision to net charge-offs | -9,200.0000% | 4,906 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5313% | 4,311 |
Assets per employee ($millions) | 6.9028% | 976 |
Cash dividends to net income (ytd only)* | 52.9879% | 1,477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1466% | 2,926 |
Loan loss allowance to noncurrent loans | 1,875.4839% | 348 |
Noncurrent assets plus other real estate owned to assets | 0.0856% | 4,542 |
Noncurrent loans to loans | 0.0611% | 4,615 |
Net loans and leases to total assets | 60.5115% | 3,795 |
Net loans and leases to deposits | 71.0900% | 3,841 |
Net loans and leases to core deposits | 72.5023% | 4,045 |
Total domestic deposits to total assets | 85.1196% | 2,563 |
Equity capital to assets | 9.2336% | 4,342 |
Core capital (leverage) ratio | 9.7917% | 3,849 |
Tier 1 risk-based capital ratio | 12.3479% | 4,286 |
Total risk-based capital ratio | 13.3651% | 4,328 |
Memoranda: | ||
Average total assets | $772,782,750 | 974 |
Average earning assets | $734,204,750 | 954 |
Average equity | $76,216,500 | 1,069 |
Average total loans | $446,390,500 | 1,154 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4473% | 4,980 |
Cost of funding earning assets | 0.4801% | 3,158 |
Net interest margin | 2.9672% | 4,919 |
Noninterest income to average assets | 0.6695% | 2,008 |
Noninterest expense to average assets | 1.9996% | 4,803 |
Loan and lease loss provision to assets | 0.0244% | 3,431 |
Net operating income to assets | 1.1683% | 2,318 |
Return on assets (ROA) | 1.1683% | 2,319 |
Pretax return on assets | 1.4740% | 1,910 |
Return on Equity (ROE) | 11.5754% | 1,880 |
Retained earnings to average equity (ytd only) | 5.2701% | 2,945 |
Net charge-offs to loans | -0.0014% | 3,915 |
Credit loss provision to net charge-offs | -3,066.6667% | 4,698 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.4660% | 4,422 |
Assets per employee ($millions) | 6.1219% | 1,388 |
Cash dividends to net income (ytd only)* | 54.4712% | 1,509 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3463% | 1,964 |
Loan loss allowance to noncurrent loans | 1,105.7034% | 549 |
Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,663 |
Noncurrent loans to loans | 0.1218% | 4,362 |
Net loans and leases to total assets | 57.0632% | 4,077 |
Net loans and leases to deposits | 65.6976% | 4,181 |
Net loans and leases to core deposits | 66.6303% | 4,339 |
Total domestic deposits to total assets | 86.8575% | 1,898 |
Equity capital to assets | 10.1995% | 3,438 |
Core capital (leverage) ratio | 10.2817% | 3,254 |
Tier 1 risk-based capital ratio | 14.6958% | 3,022 |
Total risk-based capital ratio | 15.8509% | 2,985 |
Memoranda: | ||
Average total assets | $754,266,000 | 997 |
Average earning assets | $718,998,330 | 970 |
Average equity | $76,127,000 | 1,075 |
Average total loans | $426,170,330 | 1,197 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4283% | 4,980 |
Cost of funding earning assets | 0.4670% | 3,067 |
Net interest margin | 2.9612% | 4,932 |
Noninterest income to average assets | 0.6111% | 2,207 |
Noninterest expense to average assets | 2.0064% | 4,835 |
Loan and lease loss provision to assets | 0.0148% | 3,341 |
Net operating income to assets | 1.1204% | 2,330 |
Return on assets (ROA) | 1.1204% | 2,349 |
Pretax return on assets | 1.4106% | 1,972 |
Return on Equity (ROE) | 11.1587% | 1,902 |
Retained earnings to average equity (ytd only) | 4.8514% | 3,241 |
Net charge-offs to loans | -0.0028% | 3,862 |
Credit loss provision to net charge-offs | -933.3333% | 4,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7580% | 4,377 |
Assets per employee ($millions) | 6.4382% | 1,235 |
Cash dividends to net income (ytd only)* | 56.5238% | 1,353 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3553% | 2,002 |
Loan loss allowance to noncurrent loans | 863.6637% | 663 |
Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,652 |
Noncurrent loans to loans | 0.1569% | 4,276 |
Net loans and leases to total assets | 55.1096% | 4,198 |
Net loans and leases to deposits | 65.0293% | 4,153 |
Net loans and leases to core deposits | 65.9317% | 4,312 |
Total domestic deposits to total assets | 84.7457% | 3,019 |
Equity capital to assets | 9.9465% | 3,648 |
Core capital (leverage) ratio | 10.2159% | 3,284 |
Tier 1 risk-based capital ratio | 14.4986% | 3,121 |
Total risk-based capital ratio | 15.6429% | 3,088 |
Memoranda: | ||
Average total assets | $757,962,500 | 1,001 |
Average earning assets | $721,996,000 | 978 |
Average equity | $76,102,000 | 1,077 |
Average total loans | $423,252,500 | 1,210 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2749% | 5,113 |
Cost of funding earning assets | 0.4039% | 3,212 |
Net interest margin | 2.8710% | 5,079 |
Noninterest income to average assets | 0.6561% | 2,160 |
Noninterest expense to average assets | 1.8554% | 5,185 |
Loan and lease loss provision to assets | 0.0656% | 2,898 |
Net operating income to assets | 0.9064% | 2,678 |
Return on assets (ROA) | 0.9455% | 2,498 |
Pretax return on assets | 1.5180% | 1,566 |
Return on Equity (ROE) | 9.3816% | 2,149 |
Retained earnings to average equity (ytd only) | 3.6115% | 3,098 |
Net charge-offs to loans | 0.0218% | 3,374 |
Credit loss provision to net charge-offs | 545.0549% | 590 |
Earnings coverage of net charge-offs (x) | 126.5934% | 539 |
Efficiency ratio | 54.1570% | 4,941 |
Assets per employee ($millions) | 6.4634% | 1,226 |
Cash dividends to net income (ytd only)* | 61.5041% | 1,681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3554% | 1,947 |
Loan loss allowance to noncurrent loans | 442.1175% | 1,223 |
Noncurrent assets plus other real estate owned to assets | 0.1711% | 4,271 |
Noncurrent loans to loans | 0.3066% | 3,681 |
Net loans and leases to total assets | 55.0583% | 4,266 |
Net loans and leases to deposits | 65.4939% | 4,223 |
Net loans and leases to core deposits | 66.3610% | 4,395 |
Total domestic deposits to total assets | 84.0663% | 3,178 |
Equity capital to assets | 10.1346% | 3,551 |
Core capital (leverage) ratio | 10.0842% | 3,343 |
Tier 1 risk-based capital ratio | 14.3911% | 3,142 |
Total risk-based capital ratio | 15.5336% | 3,103 |
Memoranda: | ||
Average total assets | $756,638,400 | 977 |
Average earning assets | $717,340,600 | 959 |
Average equity | $76,255,400 | 1,059 |
Average total loans | $417,089,200 | 1,197 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2565% | 5,166 |
Cost of funding earning assets | 0.3947% | 3,251 |
Net interest margin | 2.8618% | 5,142 |
Noninterest income to average assets | 0.6367% | 2,274 |
Noninterest expense to average assets | 1.8584% | 5,188 |
Loan and lease loss provision to assets | 0.0818% | 2,457 |
Net operating income to assets | 0.9788% | 2,649 |
Return on assets (ROA) | 1.0358% | 2,427 |
Pretax return on assets | 1.4897% | 1,806 |
Return on Equity (ROE) | 10.2922% | 1,988 |
Retained earnings to average equity (ytd only) | 4.5150% | 3,216 |
Net charge-offs to loans | 0.0285% | 2,865 |
Credit loss provision to net charge-offs | 521.3483% | 610 |
Earnings coverage of net charge-offs (x) | 95.0255% | 714 |
Efficiency ratio | 54.7119% | 4,880 |
Assets per employee ($millions) | 6.5870% | 1,134 |
Cash dividends to net income (ytd only)* | 56.1320% | 1,499 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3460% | 2,135 |
Loan loss allowance to noncurrent loans | 410.9025% | 1,235 |
Noncurrent assets plus other real estate owned to assets | 0.1844% | 4,368 |
Noncurrent loans to loans | 0.3276% | 3,774 |
Net loans and leases to total assets | 55.5488% | 4,270 |
Net loans and leases to deposits | 67.6041% | 4,137 |
Net loans and leases to core deposits | 68.5199% | 4,333 |
Total domestic deposits to total assets | 82.1677% | 3,720 |
Equity capital to assets | 10.4195% | 3,452 |
Core capital (leverage) ratio | 10.0488% | 3,512 |
Tier 1 risk-based capital ratio | 14.2385% | 3,334 |
Total risk-based capital ratio | 15.3659% | 3,301 |
Memoranda: | ||
Average total assets | $756,742,500 | 982 |
Average earning assets | $717,065,750 | 962 |
Average equity | $76,159,250 | 1,064 |
Average total loans | $415,840,500 | 1,205 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2097% | 5,224 |
Cost of funding earning assets | 0.3826% | 3,263 |
Net interest margin | 2.8271% | 5,208 |
Noninterest income to average assets | 0.6356% | 2,284 |
Noninterest expense to average assets | 1.8508% | 5,257 |
Loan and lease loss provision to assets | 0.1128% | 1,815 |
Net operating income to assets | 0.9392% | 2,723 |
Return on assets (ROA) | 1.0244% | 2,357 |
Pretax return on assets | 1.4681% | 1,768 |
Return on Equity (ROE) | 10.2988% | 1,909 |
Retained earnings to average equity (ytd only) | 4.4683% | 3,052 |
Net charge-offs to loans | 0.0010% | 3,491 |
Credit loss provision to net charge-offs | 21,400.0000% | 9 |
Earnings coverage of net charge-offs (x) | 2,767.5000% | 14 |
Efficiency ratio | 55.1131% | 4,913 |
Assets per employee ($millions) | 6.6440% | 1,073 |
Cash dividends to net income (ytd only)* | 56.6135% | 1,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3591% | 2,123 |
Loan loss allowance to noncurrent loans | 337.1697% | 1,440 |
Noncurrent assets plus other real estate owned to assets | 0.2248% | 4,253 |
Noncurrent loans to loans | 0.4031% | 3,585 |
Net loans and leases to total assets | 55.0219% | 4,310 |
Net loans and leases to deposits | 65.6106% | 4,251 |
Net loans and leases to core deposits | 66.4407% | 4,441 |
Total domestic deposits to total assets | 83.8612% | 3,254 |
Equity capital to assets | 10.2199% | 3,654 |
Core capital (leverage) ratio | 9.8589% | 3,704 |
Tier 1 risk-based capital ratio | 13.9836% | 3,433 |
Total risk-based capital ratio | 15.1143% | 3,422 |
Memoranda: | ||
Average total assets | $758,683,330 | 984 |
Average earning assets | $717,692,670 | 963 |
Average equity | $75,465,000 | 1,074 |
Average total loans | $413,514,670 | 1,211 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1665% | 5,287 |
Cost of funding earning assets | 0.3591% | 3,431 |
Net interest margin | 2.8075% | 5,227 |
Noninterest income to average assets | 0.5905% | 2,457 |
Noninterest expense to average assets | 1.8569% | 5,298 |
Loan and lease loss provision to assets | 0.2054% | 801 |
Net operating income to assets | 0.8231% | 3,107 |
Return on assets (ROA) | 0.9603% | 2,535 |
Pretax return on assets | 1.3617% | 2,024 |
Return on Equity (ROE) | 9.7887% | 2,064 |
Retained earnings to average equity (ytd only) | 3.8822% | 3,511 |
Net charge-offs to loans | 0.0010% | 2,929 |
Credit loss provision to net charge-offs | 39,000.0000% | 6 |
Earnings coverage of net charge-offs (x) | 2,608.0000% | 9 |
Efficiency ratio | 56.6281% | 4,873 |
Assets per employee ($millions) | 6.7552% | 1,059 |
Cash dividends to net income (ytd only)* | 60.3401% | 1,421 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3746% | 2,188 |
Loan loss allowance to noncurrent loans | 362.2222% | 1,369 |
Noncurrent assets plus other real estate owned to assets | 0.2196% | 4,342 |
Noncurrent loans to loans | 0.3795% | 3,737 |
Net loans and leases to total assets | 53.6233% | 4,367 |
Net loans and leases to deposits | 65.0586% | 4,247 |
Net loans and leases to core deposits | 65.9184% | 4,429 |
Total domestic deposits to total assets | 82.4232% | 4,050 |
Equity capital to assets | 9.8526% | 3,928 |
Core capital (leverage) ratio | 9.7316% | 3,834 |
Tier 1 risk-based capital ratio | 13.6507% | 3,683 |
Total risk-based capital ratio | 14.7620% | 3,685 |
Memoranda: | ||
Average total assets | $759,318,500 | 987 |
Average earning assets | $714,089,500 | 969 |
Average equity | $74,494,000 | 1,078 |
Average total loans | $409,029,500 | 1,226 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2145% | 5,279 |
Cost of funding earning assets | 0.3009% | 4,053 |
Net interest margin | 2.9136% | 5,115 |
Noninterest income to average assets | 0.6558% | 2,391 |
Noninterest expense to average assets | 1.8724% | 5,396 |
Loan and lease loss provision to assets | 0.0715% | 2,927 |
Net operating income to assets | 1.0544% | 2,118 |
Return on assets (ROA) | 1.0870% | 2,055 |
Pretax return on assets | 1.5291% | 1,496 |
Return on Equity (ROE) | 10.5007% | 1,765 |
Retained earnings to average equity (ytd only) | 5.1555% | 2,233 |
Net charge-offs to loans | 0.0061% | 4,044 |
Credit loss provision to net charge-offs | 2,247.8261% | 194 |
Earnings coverage of net charge-offs (x) | 488.6522% | 168 |
Efficiency ratio | 53.9334% | 5,247 |
Assets per employee ($millions) | 6.7437% | 1,034 |
Cash dividends to net income (ytd only)* | 50.9035% | 2,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3190% | 2,434 |
Loan loss allowance to noncurrent loans | 466.3158% | 1,123 |
Noncurrent assets plus other real estate owned to assets | 0.1643% | 4,664 |
Noncurrent loans to loans | 0.2829% | 4,140 |
Net loans and leases to total assets | 52.6560% | 4,557 |
Net loans and leases to deposits | 64.4874% | 4,367 |
Net loans and leases to core deposits | 65.4010% | 4,558 |
Total domestic deposits to total assets | 81.6533% | 4,160 |
Equity capital to assets | 9.7682% | 3,986 |
Core capital (leverage) ratio | 10.0078% | 3,471 |
Tier 1 risk-based capital ratio | 14.1708% | 3,367 |
Total risk-based capital ratio | 15.2561% | 3,369 |
Memoranda: | ||
Average total assets | $722,919,600 | 991 |
Average earning assets | $687,606,600 | 970 |
Average equity | $74,833,400 | 1,065 |
Average total loans | $379,664,000 | 1,250 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2157% | 5,340 |
Cost of funding earning assets | 0.2977% | 4,126 |
Net interest margin | 2.9180% | 5,156 |
Noninterest income to average assets | 0.6558% | 2,386 |
Noninterest expense to average assets | 1.8908% | 5,390 |
Loan and lease loss provision to assets | 0.0886% | 2,458 |
Net operating income to assets | 1.0431% | 2,234 |
Return on assets (ROA) | 1.0706% | 2,228 |
Pretax return on assets | 1.4955% | 1,721 |
Return on Equity (ROE) | 10.1910% | 1,978 |
Retained earnings to average equity (ytd only) | 4.8647% | 2,914 |
Net charge-offs to loans | 0.0029% | 3,838 |
Credit loss provision to net charge-offs | 5,937.5000% | 94 |
Earnings coverage of net charge-offs (x) | 1,035.6504% | 74 |
Efficiency ratio | 54.3338% | 5,217 |
Assets per employee ($millions) | 6.3794% | 1,189 |
Cash dividends to net income (ytd only)* | 52.2648% | 1,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3341% | 2,514 |
Loan loss allowance to noncurrent loans | 401.8997% | 1,266 |
Noncurrent assets plus other real estate owned to assets | 0.1872% | 4,687 |
Noncurrent loans to loans | 0.3319% | 4,066 |
Net loans and leases to total assets | 53.3187% | 4,553 |
Net loans and leases to deposits | 67.8000% | 4,170 |
Net loans and leases to core deposits | 69.0403% | 4,394 |
Total domestic deposits to total assets | 78.6412% | 4,798 |
Equity capital to assets | 10.4946% | 3,574 |
Core capital (leverage) ratio | 10.0598% | 3,493 |
Tier 1 risk-based capital ratio | 14.1167% | 3,497 |
Total risk-based capital ratio | 15.2053% | 3,505 |
Memoranda: | ||
Average total assets | $714,825,500 | 1,007 |
Average earning assets | $681,232,250 | 977 |
Average equity | $75,097,000 | 1,060 |
Average total loans | $373,823,750 | 1,259 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2159% | 5,405 |
Cost of funding earning assets | 0.2960% | 4,177 |
Net interest margin | 2.9199% | 5,235 |
Noninterest income to average assets | 0.6644% | 2,309 |
Noninterest expense to average assets | 1.9008% | 5,448 |
Loan and lease loss provision to assets | 0.0274% | 3,577 |
Net operating income to assets | 1.0818% | 2,032 |
Return on assets (ROA) | 1.1217% | 1,987 |
Pretax return on assets | 1.5739% | 1,446 |
Return on Equity (ROE) | 10.6734% | 1,776 |
Retained earnings to average equity (ytd only) | 5.3018% | 2,543 |
Net charge-offs to loans | 0.0437% | 2,593 |
Credit loss provision to net charge-offs | 121.2500% | 1,849 |
Earnings coverage of net charge-offs (x) | 68.4250% | 791 |
Efficiency ratio | 54.4561% | 5,273 |
Assets per employee ($millions) | 6.1753% | 1,282 |
Cash dividends to net income (ytd only)* | 50.3271% | 1,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2802% | 2,899 |
Loan loss allowance to noncurrent loans | 610.0883% | 906 |
Noncurrent assets plus other real estate owned to assets | 0.1107% | 5,067 |
Noncurrent loans to loans | 0.2098% | 4,601 |
Net loans and leases to total assets | 52.0807% | 4,665 |
Net loans and leases to deposits | 63.6669% | 4,514 |
Net loans and leases to core deposits | 64.8663% | 4,691 |
Total domestic deposits to total assets | 81.8018% | 4,054 |
Equity capital to assets | 10.7262% | 3,369 |
Core capital (leverage) ratio | 10.0206% | 3,543 |
Tier 1 risk-based capital ratio | 14.4098% | 3,373 |
Total risk-based capital ratio | 15.4420% | 3,420 |
Memoranda: | ||
Average total assets | $708,556,670 | 1,014 |
Average earning assets | $674,952,670 | 993 |
Average equity | $74,465,330 | 1,070 |
Average total loans | $366,281,000 | 1,281 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1951% | 5,487 |
Cost of funding earning assets | 0.2967% | 4,199 |
Net interest margin | 2.8984% | 5,321 |
Noninterest income to average assets | 0.6755% | 2,149 |
Noninterest expense to average assets | 1.9805% | 5,380 |
Loan and lease loss provision to assets | 0.0278% | 3,295 |
Net operating income to assets | 1.0205% | 2,191 |
Return on assets (ROA) | 1.1018% | 1,993 |
Pretax return on assets | 1.5360% | 1,483 |
Return on Equity (ROE) | 10.5949% | 1,746 |
Retained earnings to average equity (ytd only) | 5.1364% | 2,852 |
Net charge-offs to loans | 0.0866% | 1,630 |
Credit loss provision to net charge-offs | 62.8205% | 1,959 |
Earnings coverage of net charge-offs (x) | 32.7692% | 1,133 |
Efficiency ratio | 57.0058% | 5,092 |
Assets per employee ($millions) | 6.5282% | 1,091 |
Cash dividends to net income (ytd only)* | 51.5198% | 1,694 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3363% | 2,728 |
Loan loss allowance to noncurrent loans | 559.2765% | 920 |
Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,095 |
Noncurrent loans to loans | 0.2389% | 4,575 |
Net loans and leases to total assets | 50.1925% | 4,788 |
Net loans and leases to deposits | 61.8045% | 4,591 |
Net loans and leases to core deposits | 62.9017% | 4,760 |
Total domestic deposits to total assets | 81.2116% | 4,426 |
Equity capital to assets | 10.5520% | 3,428 |
Core capital (leverage) ratio | 10.1121% | 3,412 |
Tier 1 risk-based capital ratio | 14.6918% | 3,292 |
Total risk-based capital ratio | 15.7507% | 3,332 |
Memoranda: | ||
Average total assets | $704,668,500 | 1,019 |
Average earning assets | $670,029,000 | 993 |
Average equity | $73,280,500 | 1,084 |
Average total loans | $360,467,000 | 1,295 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1937% | 5,524 |
Cost of funding earning assets | 0.3113% | 4,123 |
Net interest margin | 2.8824% | 5,363 |
Noninterest income to average assets | 0.6340% | 2,541 |
Noninterest expense to average assets | 1.8671% | 5,656 |
Loan and lease loss provision to assets | 0.1426% | 1,665 |
Net operating income to assets | 0.9784% | 2,474 |
Return on assets (ROA) | 1.0136% | 2,372 |
Pretax return on assets | 1.4018% | 1,891 |
Return on Equity (ROE) | 10.1713% | 1,949 |
Retained earnings to average equity (ytd only) | 4.6794% | 2,657 |
Net charge-offs to loans | -0.0003% | 4,813 |
Credit loss provision to net charge-offs | -101,600.0000% | 5,794 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.6741% | 5,474 |
Assets per employee ($millions) | 6.3449% | 1,170 |
Cash dividends to net income (ytd only)* | 53.9942% | 2,074 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3311% | 2,755 |
Loan loss allowance to noncurrent loans | 441.1711% | 1,160 |
Noncurrent assets plus other real estate owned to assets | 0.1552% | 4,971 |
Noncurrent loans to loans | 0.3017% | 4,378 |
Net loans and leases to total assets | 50.7516% | 4,803 |
Net loans and leases to deposits | 62.1492% | 4,623 |
Net loans and leases to core deposits | 63.3207% | 4,778 |
Total domestic deposits to total assets | 81.6609% | 4,279 |
Equity capital to assets | 10.2464% | 3,685 |
Core capital (leverage) ratio | 9.8901% | 3,658 |
Tier 1 risk-based capital ratio | 14.2374% | 3,587 |
Total risk-based capital ratio | 15.2777% | 3,627 |
Memoranda: | ||
Average total assets | $712,602,200 | 973 |
Average earning assets | $674,569,600 | 946 |
Average equity | $71,013,600 | 1,074 |
Average total loans | $349,857,400 | 1,291 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1814% | 5,615 |
Cost of funding earning assets | 0.3172% | 4,139 |
Net interest margin | 2.8642% | 5,469 |
Noninterest income to average assets | 0.6365% | 2,546 |
Noninterest expense to average assets | 1.8441% | 5,717 |
Loan and lease loss provision to assets | 0.1795% | 1,165 |
Net operating income to assets | 0.9590% | 2,675 |
Return on assets (ROA) | 1.0057% | 2,535 |
Pretax return on assets | 1.3882% | 2,063 |
Return on Equity (ROE) | 10.1629% | 2,041 |
Retained earnings to average equity (ytd only) | 4.6959% | 3,132 |
Net charge-offs to loans | -0.0015% | 4,680 |
Credit loss provision to net charge-offs | -24,050.0000% | 5,761 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.2029% | 5,494 |
Assets per employee ($millions) | 6.6474% | 1,004 |
Cash dividends to net income (ytd only)* | 53.7934% | 1,710 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3484% | 2,861 |
Loan loss allowance to noncurrent loans | 412.0035% | 1,222 |
Noncurrent assets plus other real estate owned to assets | 0.4237% | 4,078 |
Noncurrent loans to loans | 0.3273% | 4,435 |
Net loans and leases to total assets | 48.1741% | 5,065 |
Net loans and leases to deposits | 61.4702% | 4,760 |
Net loans and leases to core deposits | 62.5183% | 4,902 |
Total domestic deposits to total assets | 78.3699% | 5,118 |
Equity capital to assets | 9.9377% | 4,243 |
Core capital (leverage) ratio | 9.6444% | 4,117 |
Tier 1 risk-based capital ratio | 13.9887% | 3,854 |
Total risk-based capital ratio | 15.0148% | 3,925 |
Memoranda: | ||
Average total assets | $714,680,500 | 979 |
Average earning assets | $676,279,250 | 953 |
Average equity | $70,726,000 | 1,085 |
Average total loans | $346,756,750 | 1,302 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1651% | 5,667 |
Cost of funding earning assets | 0.3310% | 4,040 |
Net interest margin | 2.8341% | 5,547 |
Noninterest income to average assets | 0.6312% | 2,577 |
Noninterest expense to average assets | 1.8789% | 5,745 |
Loan and lease loss provision to assets | 0.2542% | 677 |
Net operating income to assets | 0.8689% | 3,048 |
Return on assets (ROA) | 0.9281% | 2,862 |
Pretax return on assets | 1.2635% | 2,493 |
Return on Equity (ROE) | 9.3913% | 2,340 |
Retained earnings to average equity (ytd only) | 3.9858% | 3,479 |
Net charge-offs to loans | 0.0012% | 3,867 |
Credit loss provision to net charge-offs | 45,200.0000% | 6 |
Earnings coverage of net charge-offs (x) | 2,555.0000% | 18 |
Efficiency ratio | 55.7365% | 5,451 |
Assets per employee ($millions) | 6.5489% | 1,031 |
Cash dividends to net income (ytd only)* | 57.5583% | 1,623 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3089% | 3,199 |
Loan loss allowance to noncurrent loans | 380.4365% | 1,314 |
Noncurrent assets plus other real estate owned to assets | 0.4777% | 4,022 |
Noncurrent loans to loans | 0.3441% | 4,454 |
Net loans and leases to total assets | 49.7085% | 4,959 |
Net loans and leases to deposits | 60.8441% | 4,787 |
Net loans and leases to core deposits | 61.8576% | 4,953 |
Total domestic deposits to total assets | 81.6981% | 4,389 |
Equity capital to assets | 9.8098% | 4,264 |
Core capital (leverage) ratio | 9.4042% | 4,409 |
Tier 1 risk-based capital ratio | 13.7530% | 4,064 |
Total risk-based capital ratio | 14.7689% | 4,144 |
Memoranda: | ||
Average total assets | $711,383,330 | 980 |
Average earning assets | $673,794,000 | 959 |
Average equity | $70,299,330 | 1,097 |
Average total loans | $344,400,000 | 1,315 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0993% | 5,783 |
Cost of funding earning assets | 0.3422% | 3,962 |
Net interest margin | 2.7571% | 5,726 |
Noninterest income to average assets | 0.6111% | 2,589 |
Noninterest expense to average assets | 1.7917% | 5,914 |
Loan and lease loss provision to assets | 0.0360% | 3,178 |
Net operating income to assets | 1.0088% | 2,226 |
Return on assets (ROA) | 1.0088% | 2,363 |
Pretax return on assets | 1.3879% | 1,934 |
Return on Equity (ROE) | 10.1709% | 1,921 |
Retained earnings to average equity (ytd only) | 5.0599% | 3,021 |
Net charge-offs to loans | 0.0012% | 3,270 |
Credit loss provision to net charge-offs | 6,400.0000% | 58 |
Earnings coverage of net charge-offs (x) | 2,528.0000% | 13 |
Efficiency ratio | 54.7556% | 5,614 |
Assets per employee ($millions) | 6.5517% | 1,048 |
Cash dividends to net income (ytd only)* | 50.2513% | 1,729 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1339% | 4,353 |
Loan loss allowance to noncurrent loans | 249.5484% | 1,862 |
Noncurrent assets plus other real estate owned to assets | 0.7221% | 3,331 |
Noncurrent loans to loans | 0.4544% | 4,221 |
Net loans and leases to total assets | 47.2261% | 5,110 |
Net loans and leases to deposits | 58.7719% | 4,854 |
Net loans and leases to core deposits | 59.9186% | 4,996 |
Total domestic deposits to total assets | 80.3549% | 4,974 |
Equity capital to assets | 10.0083% | 4,137 |
Core capital (leverage) ratio | 9.5167% | 4,250 |
Tier 1 risk-based capital ratio | 14.1831% | 3,891 |
Total risk-based capital ratio | 15.0609% | 4,066 |
Memoranda: | ||
Average total assets | $710,161,000 | 976 |
Average earning assets | $670,858,000 | 958 |
Average equity | $70,436,500 | 1,094 |
Average total loans | $336,830,500 | 1,337 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1486% | 5,902 |
Cost of funding earning assets | 0.3545% | 4,206 |
Net interest margin | 2.7941% | 5,819 |
Noninterest income to average assets | 0.5400% | 3,237 |
Noninterest expense to average assets | 1.7024% | 6,151 |
Loan and lease loss provision to assets | 0.0167% | 4,275 |
Net operating income to assets | 1.0672% | 2,099 |
Return on assets (ROA) | 1.1443% | 1,860 |
Pretax return on assets | 1.5580% | 1,358 |
Return on Equity (ROE) | 11.1239% | 1,683 |
Retained earnings to average equity (ytd only) | 5.7766% | 2,078 |
Net charge-offs to loans | 0.0219% | 4,402 |
Credit loss provision to net charge-offs | 175.8065% | 1,382 |
Earnings coverage of net charge-offs (x) | 155.0806% | 349 |
Efficiency ratio | 53.3266% | 5,897 |
Assets per employee ($millions) | 6.3620% | 1,143 |
Cash dividends to net income (ytd only)* | 48.0705% | 2,389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1442% | 4,312 |
Loan loss allowance to noncurrent loans | 248.5304% | 1,913 |
Noncurrent assets plus other real estate owned to assets | 0.8723% | 3,030 |
Noncurrent loans to loans | 0.4604% | 4,269 |
Net loans and leases to total assets | 46.5500% | 5,283 |
Net loans and leases to deposits | 56.8529% | 5,132 |
Net loans and leases to core deposits | 57.9262% | 5,264 |
Total domestic deposits to total assets | 81.8780% | 4,464 |
Equity capital to assets | 9.8275% | 4,313 |
Core capital (leverage) ratio | 9.4121% | 4,366 |
Tier 1 risk-based capital ratio | 13.8654% | 4,198 |
Total risk-based capital ratio | 14.7304% | 4,366 |
Memoranda: | ||
Average total assets | $654,475,600 | 1,025 |
Average earning assets | $616,405,800 | 992 |
Average equity | $67,323,600 | 1,098 |
Average total loans | $282,728,200 | 1,504 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1060% | 6,025 |
Cost of funding earning assets | 0.3662% | 4,173 |
Net interest margin | 2.7398% | 5,954 |
Noninterest income to average assets | 0.6557% | 2,547 |
Noninterest expense to average assets | 1.5558% | 6,319 |
Loan and lease loss provision to assets | 0.0075% | 4,270 |
Net operating income to assets | 1.2197% | 1,606 |
Return on assets (ROA) | 1.2197% | 1,668 |
Pretax return on assets | 1.6720% | 1,134 |
Return on Equity (ROE) | 11.7135% | 1,555 |
Retained earnings to average equity (ytd only) | 6.3248% | 2,202 |
Net charge-offs to loans | 0.0257% | 3,989 |
Credit loss provision to net charge-offs | 69.2308% | 2,776 |
Earnings coverage of net charge-offs (x) | 155.4075% | 401 |
Efficiency ratio | 47.9733% | 6,202 |
Assets per employee ($millions) | 6.1899% | 1,208 |
Cash dividends to net income (ytd only)* | 46.0044% | 2,042 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2137% | 4,155 |
Loan loss allowance to noncurrent loans | 200.2140% | 2,157 |
Noncurrent assets plus other real estate owned to assets | 1.0952% | 2,764 |
Noncurrent loans to loans | 0.6062% | 4,112 |
Net loans and leases to total assets | 44.7332% | 5,478 |
Net loans and leases to deposits | 55.7427% | 5,258 |
Net loans and leases to core deposits | 56.9620% | 5,394 |
Total domestic deposits to total assets | 80.2494% | 5,033 |
Equity capital to assets | 10.1647% | 3,975 |
Core capital (leverage) ratio | 10.0861% | 3,549 |
Tier 1 risk-based capital ratio | 14.3461% | 3,990 |
Total risk-based capital ratio | 15.2304% | 4,169 |
Memoranda: | ||
Average total assets | $641,548,250 | 1,057 |
Average earning assets | $604,018,500 | 1,029 |
Average equity | $66,804,500 | 1,108 |
Average total loans | $270,276,750 | 1,584 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1553% | 5,997 |
Cost of funding earning assets | 0.3762% | 4,148 |
Net interest margin | 2.7791% | 5,947 |
Noninterest income to average assets | 0.6750% | 2,403 |
Noninterest expense to average assets | 1.5133% | 6,411 |
Loan and lease loss provision to assets | 0.0016% | 4,179 |
Net operating income to assets | 1.2959% | 1,324 |
Return on assets (ROA) | 1.2959% | 1,373 |
Pretax return on assets | 1.7812% | 877 |
Return on Equity (ROE) | 12.3389% | 1,343 |
Retained earnings to average equity (ytd only) | 6.8846% | 1,820 |
Net charge-offs to loans | 0.0373% | 3,474 |
Credit loss provision to net charge-offs | 10.4167% | 3,300 |
Earnings coverage of net charge-offs (x) | 116.7083% | 498 |
Efficiency ratio | 45.9110% | 6,368 |
Assets per employee ($millions) | 6.8368% | 863 |
Cash dividends to net income (ytd only)* | 44.2043% | 2,190 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4648% | 3,053 |
Loan loss allowance to noncurrent loans | 823.7251% | 604 |
Noncurrent assets plus other real estate owned to assets | 0.7504% | 3,717 |
Noncurrent loans to loans | 0.1778% | 5,480 |
Net loans and leases to total assets | 39.7308% | 5,841 |
Net loans and leases to deposits | 50.6269% | 5,589 |
Net loans and leases to core deposits | 51.7494% | 5,674 |
Total domestic deposits to total assets | 78.4777% | 5,554 |
Equity capital to assets | 10.8971% | 2,981 |
Core capital (leverage) ratio | 10.4322% | 3,038 |
Tier 1 risk-based capital ratio | 16.4638% | 2,845 |
Total risk-based capital ratio | 17.4521% | 2,929 |
Memoranda: | ||
Average total assets | $628,436,330 | 1,073 |
Average earning assets | $592,715,000 | 1,041 |
Average equity | $66,002,670 | 1,109 |
Average total loans | $257,594,670 | 1,643 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1336% | 6,081 |
Cost of funding earning assets | 0.3786% | 4,213 |
Net interest margin | 2.7550% | 6,028 |
Noninterest income to average assets | 0.6291% | 2,576 |
Noninterest expense to average assets | 1.5276% | 6,472 |
Loan and lease loss provision to assets | 0.0019% | 3,801 |
Net operating income to assets | 1.2424% | 1,367 |
Return on assets (ROA) | 1.2424% | 1,425 |
Pretax return on assets | 1.6900% | 994 |
Return on Equity (ROE) | 12.0556% | 1,391 |
Retained earnings to average equity (ytd only) | 6.4943% | 2,283 |
Net charge-offs to loans | 0.0709% | 2,442 |
Credit loss provision to net charge-offs | 6.5217% | 2,640 |
Earnings coverage of net charge-offs (x) | 57.7609% | 672 |
Efficiency ratio | 47.4486% | 6,383 |
Assets per employee ($millions) | 6.8891% | 846 |
Cash dividends to net income (ytd only)* | 46.1302% | 1,809 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4392% | 3,423 |
Loan loss allowance to noncurrent loans | 711.6858% | 693 |
Noncurrent assets plus other real estate owned to assets | 0.7650% | 3,825 |
Noncurrent loans to loans | 0.2022% | 5,484 |
Net loans and leases to total assets | 40.5811% | 5,769 |
Net loans and leases to deposits | 49.4589% | 5,634 |
Net loans and leases to core deposits | 50.5585% | 5,723 |
Total domestic deposits to total assets | 82.0502% | 4,929 |
Equity capital to assets | 10.5112% | 3,237 |
Core capital (leverage) ratio | 10.1078% | 3,418 |
Tier 1 risk-based capital ratio | 15.8500% | 3,246 |
Total risk-based capital ratio | 16.8195% | 3,365 |
Memoranda: | ||
Average total assets | $628,162,000 | 1,084 |
Average earning assets | $590,626,000 | 1,056 |
Average equity | $64,733,500 | 1,128 |
Average total loans | $259,584,000 | 1,638 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0149% | 6,329 |
Cost of funding earning assets | 0.4040% | 4,604 |
Net interest margin | 2.6109% | 6,251 |
Noninterest income to average assets | 0.6153% | 2,995 |
Noninterest expense to average assets | 1.5861% | 6,520 |
Loan and lease loss provision to assets | 0.0590% | 3,959 |
Net operating income to assets | 1.0698% | 2,037 |
Return on assets (ROA) | 1.1603% | 1,777 |
Pretax return on assets | 1.5434% | 1,317 |
Return on Equity (ROE) | 11.2762% | 1,674 |
Retained earnings to average equity (ytd only) | 6.2645% | 1,813 |
Net charge-offs to loans | -0.0145% | 6,083 |
Credit loss provision to net charge-offs | -1,045.7143% | 6,232 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.7020% | 6,314 |
Assets per employee ($millions) | 6.5564% | 964 |
Cash dividends to net income (ytd only)* | 44.4444% | 2,584 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4396% | 3,467 |
Loan loss allowance to noncurrent loans | 326.2153% | 1,371 |
Noncurrent assets plus other real estate owned to assets | 0.8621% | 3,733 |
Noncurrent loans to loans | 0.4413% | 4,900 |
Net loans and leases to total assets | 40.8774% | 5,901 |
Net loans and leases to deposits | 49.0685% | 5,827 |
Net loans and leases to core deposits | 50.2901% | 5,915 |
Total domestic deposits to total assets | 83.3069% | 4,426 |
Equity capital to assets | 10.1000% | 3,640 |
Core capital (leverage) ratio | 10.0563% | 3,491 |
Tier 1 risk-based capital ratio | 15.4207% | 3,423 |
Total risk-based capital ratio | 16.3786% | 3,537 |
Memoranda: | ||
Average total assets | $620,512,800 | 1,074 |
Average earning assets | $582,867,400 | 1,050 |
Average equity | $63,851,400 | 1,121 |
Average total loans | $241,930,200 | 1,710 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0001% | 6,422 |
Cost of funding earning assets | 0.4071% | 4,764 |
Net interest margin | 2.5930% | 6,321 |
Noninterest income to average assets | 0.6342% | 2,962 |
Noninterest expense to average assets | 1.5902% | 6,566 |
Loan and lease loss provision to assets | 0.0019% | 4,917 |
Net operating income to assets | 1.1108% | 1,968 |
Return on assets (ROA) | 1.1757% | 1,788 |
Pretax return on assets | 1.5628% | 1,436 |
Return on Equity (ROE) | 11.3720% | 1,690 |
Retained earnings to average equity (ytd only) | 6.3660% | 2,202 |
Net charge-offs to loans | 0.0051% | 5,082 |
Credit loss provision to net charge-offs | 100.0000% | 2,333 |
Earnings coverage of net charge-offs (x) | 761.6475% | 67 |
Efficiency ratio | 51.8237% | 6,266 |
Assets per employee ($millions) | 6.5314% | 921 |
Cash dividends to net income (ytd only)* | 44.0206% | 2,124 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3637% | 4,060 |
Loan loss allowance to noncurrent loans | 249.1463% | 1,630 |
Noncurrent assets plus other real estate owned to assets | 0.9369% | 3,796 |
Noncurrent loans to loans | 0.5473% | 4,829 |
Net loans and leases to total assets | 39.9624% | 6,034 |
Net loans and leases to deposits | 49.9055% | 5,840 |
Net loans and leases to core deposits | 51.2867% | 5,932 |
Total domestic deposits to total assets | 80.0761% | 5,489 |
Equity capital to assets | 10.4394% | 3,354 |
Core capital (leverage) ratio | 10.2926% | 3,254 |
Tier 1 risk-based capital ratio | 15.7237% | 3,336 |
Total risk-based capital ratio | 16.6000% | 3,492 |
Memoranda: | ||
Average total assets | $618,287,500 | 1,087 |
Average earning assets | $580,419,000 | 1,058 |
Average equity | $63,921,500 | 1,139 |
Average total loans | $237,151,250 | 1,749 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9371% | 6,501 |
Cost of funding earning assets | 0.4071% | 4,874 |
Net interest margin | 2.5300% | 6,414 |
Noninterest income to average assets | 0.6422% | 2,952 |
Noninterest expense to average assets | 1.5932% | 6,594 |
Loan and lease loss provision to assets | 0.0013% | 4,771 |
Net operating income to assets | 1.0802% | 1,997 |
Return on assets (ROA) | 1.1394% | 1,894 |
Pretax return on assets | 1.5021% | 1,611 |
Return on Equity (ROE) | 11.0560% | 1,796 |
Retained earnings to average equity (ytd only) | 6.0632% | 2,397 |
Net charge-offs to loans | 0.0137% | 4,577 |
Credit loss provision to net charge-offs | 25.0000% | 3,662 |
Earnings coverage of net charge-offs (x) | 277.0625% | 183 |
Efficiency ratio | 52.7751% | 6,235 |
Assets per employee ($millions) | 6.6284% | 854 |
Cash dividends to net income (ytd only)* | 45.1595% | 2,053 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4196% | 3,945 |
Loan loss allowance to noncurrent loans | 97.0674% | 3,533 |
Noncurrent assets plus other real estate owned to assets | 1.2634% | 3,236 |
Noncurrent loans to loans | 1.4624% | 3,115 |
Net loans and leases to total assets | 37.6601% | 6,197 |
Net loans and leases to deposits | 44.8115% | 6,177 |
Net loans and leases to core deposits | 46.0172% | 6,234 |
Total domestic deposits to total assets | 84.0412% | 4,297 |
Equity capital to assets | 9.8914% | 4,066 |
Core capital (leverage) ratio | 9.7766% | 3,826 |
Tier 1 risk-based capital ratio | 15.4501% | 3,508 |
Total risk-based capital ratio | 16.3281% | 3,692 |
Memoranda: | ||
Average total assets | $621,909,670 | 1,078 |
Average earning assets | $584,182,330 | 1,057 |
Average equity | $64,091,670 | 1,138 |
Average total loans | $234,169,670 | 1,760 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9487% | 6,567 |
Cost of funding earning assets | 0.4055% | 5,045 |
Net interest margin | 2.5432% | 6,449 |
Noninterest income to average assets | 0.6493% | 2,879 |
Noninterest expense to average assets | 1.4748% | 6,764 |
Loan and lease loss provision to assets | 0.0019% | 4,395 |
Net operating income to assets | 1.1693% | 1,613 |
Return on assets (ROA) | 1.1693% | 1,723 |
Pretax return on assets | 1.5503% | 1,423 |
Return on Equity (ROE) | 11.1257% | 1,670 |
Retained earnings to average equity (ytd only) | 6.2513% | 2,539 |
Net charge-offs to loans | 0.0017% | 4,132 |
Credit loss provision to net charge-offs | 300.0000% | 789 |
Earnings coverage of net charge-offs (x) | 2,424.0000% | 3 |
Efficiency ratio | 48.7201% | 6,578 |
Assets per employee ($millions) | 6.9552% | 782 |
Cash dividends to net income (ytd only)* | 43.8116% | 1,735 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3976% | 4,247 |
Loan loss allowance to noncurrent loans | 89.9304% | 3,634 |
Noncurrent assets plus other real estate owned to assets | 1.3207% | 3,317 |
Noncurrent loans to loans | 1.5541% | 3,213 |
Net loans and leases to total assets | 37.4307% | 6,189 |
Net loans and leases to deposits | 45.5436% | 6,083 |
Net loans and leases to core deposits | 47.0768% | 6,149 |
Total domestic deposits to total assets | 82.1866% | 5,131 |
Equity capital to assets | 10.4091% | 3,654 |
Core capital (leverage) ratio | 9.9422% | 3,469 |
Tier 1 risk-based capital ratio | 12.9087% | 5,297 |
Total risk-based capital ratio | 13.6528% | 5,585 |
Memoranda: | ||
Average total assets | $624,642,000 | 1,088 |
Average earning assets | $583,994,500 | 1,061 |
Average equity | $65,650,000 | 1,125 |
Average total loans | $233,506,000 | 1,772 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1965% | 6,662 |
Cost of funding earning assets | 0.4721% | 5,407 |
Net interest margin | 2.7244% | 6,486 |
Noninterest income to average assets | 0.6855% | 2,795 |
Noninterest expense to average assets | 1.6578% | 6,758 |
Loan and lease loss provision to assets | 0.0012% | 5,898 |
Net operating income to assets | 1.1961% | 1,617 |
Return on assets (ROA) | 1.2331% | 1,664 |
Pretax return on assets | 1.6196% | 1,333 |
Return on Equity (ROE) | 11.2622% | 1,724 |
Retained earnings to average equity (ytd only) | 5.3125% | 2,495 |
Net charge-offs to loans | 0.0134% | 5,730 |
Credit loss provision to net charge-offs | 24.1379% | 5,223 |
Earnings coverage of net charge-offs (x) | 316.2414% | 126 |
Efficiency ratio | 51.3268% | 6,501 |
Assets per employee ($millions) | 6.5570% | 979 |
Cash dividends to net income (ytd only)* | 52.8291% | 2,180 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4801% | 3,828 |
Loan loss allowance to noncurrent loans | 87.7845% | 3,669 |
Noncurrent assets plus other real estate owned to assets | 1.3734% | 3,339 |
Noncurrent loans to loans | 1.6860% | 3,092 |
Net loans and leases to total assets | 36.2434% | 6,415 |
Net loans and leases to deposits | 43.2794% | 6,408 |
Net loans and leases to core deposits | 44.8177% | 6,426 |
Total domestic deposits to total assets | 83.7429% | 4,420 |
Equity capital to assets | 10.6136% | 3,384 |
Core capital (leverage) ratio | 10.3177% | 2,992 |
Tier 1 risk-based capital ratio | 13.2031% | 4,963 |
Total risk-based capital ratio | 13.9769% | 5,246 |
Memoranda: | ||
Average total assets | $583,348,200 | 1,134 |
Average earning assets | $544,813,000 | 1,110 |
Average equity | $63,868,400 | 1,108 |
Average total loans | $216,814,600 | 1,866 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2663% | 6,750 |
Cost of funding earning assets | 0.4866% | 5,529 |
Net interest margin | 2.7797% | 6,529 |
Noninterest income to average assets | 0.6904% | 2,752 |
Noninterest expense to average assets | 1.6843% | 6,802 |
Loan and lease loss provision to assets | 0.0014% | 5,783 |
Net operating income to assets | 1.2230% | 1,661 |
Return on assets (ROA) | 1.2733% | 1,660 |
Pretax return on assets | 1.6746% | 1,346 |
Return on Equity (ROE) | 11.5349% | 1,785 |
Retained earnings to average equity (ytd only) | 5.0239% | 3,347 |
Net charge-offs to loans | 0.0162% | 5,463 |
Credit loss provision to net charge-offs | 23.0769% | 4,905 |
Earnings coverage of net charge-offs (x) | 267.0447% | 172 |
Efficiency ratio | 51.1296% | 6,513 |
Assets per employee ($millions) | 6.2398% | 1,105 |
Cash dividends to net income (ytd only)* | 56.4458% | 1,415 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5326% | 3,807 |
Loan loss allowance to noncurrent loans | 85.4416% | 3,671 |
Noncurrent assets plus other real estate owned to assets | 1.5360% | 3,277 |
Noncurrent loans to loans | 1.7938% | 3,082 |
Net loans and leases to total assets | 37.9837% | 6,416 |
Net loans and leases to deposits | 47.1199% | 6,309 |
Net loans and leases to core deposits | 48.9532% | 6,355 |
Total domestic deposits to total assets | 80.6107% | 5,482 |
Equity capital to assets | 11.5332% | 2,714 |
Core capital (leverage) ratio | 10.3525% | 3,100 |
Tier 1 risk-based capital ratio | 13.4955% | 4,881 |
Total risk-based capital ratio | 14.3001% | 5,164 |
Memoranda: | ||
Average total assets | $575,095,250 | 1,167 |
Average earning assets | $538,703,000 | 1,138 |
Average equity | $63,481,000 | 1,128 |
Average total loans | $214,331,750 | 1,908 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2812% | 6,826 |
Cost of funding earning assets | 0.4924% | 5,670 |
Net interest margin | 2.7888% | 6,599 |
Noninterest income to average assets | 0.6860% | 2,741 |
Noninterest expense to average assets | 1.7277% | 6,819 |
Loan and lease loss provision to assets | 0.0007% | 5,616 |
Net operating income to assets | 1.2060% | 1,691 |
Return on assets (ROA) | 1.2505% | 1,732 |
Pretax return on assets | 1.6363% | 1,430 |
Return on Equity (ROE) | 11.4978% | 1,827 |
Retained earnings to average equity (ytd only) | 3.8560% | 4,048 |
Net charge-offs to loans | 0.0197% | 5,134 |
Credit loss provision to net charge-offs | 9.5238% | 4,747 |
Earnings coverage of net charge-offs (x) | 217.0476% | 201 |
Efficiency ratio | 52.2573% | 6,477 |
Assets per employee ($millions) | 6.0933% | 1,173 |
Cash dividends to net income (ytd only)* | 66.4636% | 1,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5588% | 3,749 |
Loan loss allowance to noncurrent loans | 80.4311% | 3,778 |
Noncurrent assets plus other real estate owned to assets | 1.5492% | 3,378 |
Noncurrent loans to loans | 1.9381% | 3,013 |
Net loans and leases to total assets | 36.6343% | 6,572 |
Net loans and leases to deposits | 45.0165% | 6,504 |
Net loans and leases to core deposits | 46.7119% | 6,532 |
Total domestic deposits to total assets | 81.3797% | 5,338 |
Equity capital to assets | 11.0000% | 3,115 |
Core capital (leverage) ratio | 9.9413% | 3,496 |
Tier 1 risk-based capital ratio | 13.1515% | 5,077 |
Total risk-based capital ratio | 13.9521% | 5,385 |
Memoranda: | ||
Average total assets | $577,519,330 | 1,166 |
Average earning assets | $542,600,000 | 1,127 |
Average equity | $62,812,000 | 1,132 |
Average total loans | $212,763,330 | 1,922 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2862% | 6,900 |
Cost of funding earning assets | 0.5007% | 5,817 |
Net interest margin | 2.7855% | 6,660 |
Noninterest income to average assets | 0.6761% | 2,773 |
Noninterest expense to average assets | 1.7010% | 6,899 |
Loan and lease loss provision to assets | 0.0007% | 5,250 |
Net operating income to assets | 1.2032% | 1,723 |
Return on assets (ROA) | 1.2870% | 1,661 |
Pretax return on assets | 1.7003% | 1,300 |
Return on Equity (ROE) | 11.9012% | 1,700 |
Retained earnings to average equity (ytd only) | 7.4126% | 2,224 |
Net charge-offs to loans | 0.0189% | 4,426 |
Credit loss provision to net charge-offs | 10.0000% | 3,905 |
Earnings coverage of net charge-offs (x) | 229.4000% | 154 |
Efficiency ratio | 51.6747% | 6,571 |
Assets per employee ($millions) | 6.4450% | 1,011 |
Cash dividends to net income (ytd only)* | 37.7155% | 1,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5608% | 3,887 |
Loan loss allowance to noncurrent loans | 74.8833% | 3,850 |
Noncurrent assets plus other real estate owned to assets | 1.7067% | 3,298 |
Noncurrent loans to loans | 2.0844% | 3,049 |
Net loans and leases to total assets | 35.8343% | 6,632 |
Net loans and leases to deposits | 43.9918% | 6,561 |
Net loans and leases to core deposits | 46.2034% | 6,553 |
Total domestic deposits to total assets | 81.4567% | 5,479 |
Equity capital to assets | 10.6283% | 3,351 |
Core capital (leverage) ratio | 9.9723% | 3,392 |
Tier 1 risk-based capital ratio | 12.9200% | 5,268 |
Total risk-based capital ratio | 13.7098% | 5,602 |
Memoranda: | ||
Average total assets | $576,848,000 | 1,168 |
Average earning assets | $541,665,500 | 1,127 |
Average equity | $62,380,500 | 1,138 |
Average total loans | $211,435,000 | 1,936 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6084% | 6,929 |
Cost of funding earning assets | 0.5905% | 6,130 |
Net interest margin | 3.0179% | 6,502 |
Noninterest income to average assets | 0.6999% | 2,606 |
Noninterest expense to average assets | 1.7479% | 7,013 |
Loan and lease loss provision to assets | 0.0331% | 6,151 |
Net operating income to assets | 1.3206% | 1,195 |
Return on assets (ROA) | 1.3960% | 1,122 |
Pretax return on assets | 1.8437% | 741 |
Return on Equity (ROE) | 13.0740% | 1,143 |
Retained earnings to average equity (ytd only) | 9.5955% | 650 |
Net charge-offs to loans | 0.0284% | 6,040 |
Credit loss provision to net charge-offs | 317.8571% | 736 |
Earnings coverage of net charge-offs (x) | 170.9286% | 199 |
Efficiency ratio | 49.5786% | 6,861 |
Assets per employee ($millions) | 5.9655% | 1,254 |
Cash dividends to net income (ytd only)* | 26.6064% | 3,256 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6317% | 3,458 |
Loan loss allowance to noncurrent loans | 75.6890% | 3,827 |
Noncurrent assets plus other real estate owned to assets | 1.7730% | 3,294 |
Noncurrent loans to loans | 2.1558% | 3,002 |
Net loans and leases to total assets | 36.3165% | 6,746 |
Net loans and leases to deposits | 44.1337% | 6,716 |
Net loans and leases to core deposits | 47.1672% | 6,685 |
Total domestic deposits to total assets | 82.2876% | 5,033 |
Equity capital to assets | 11.0104% | 2,972 |
Core capital (leverage) ratio | 10.2469% | 3,035 |
Tier 1 risk-based capital ratio | 13.5137% | 4,684 |
Total risk-based capital ratio | 14.3590% | 4,958 |
Memoranda: | ||
Average total assets | $538,474,800 | 1,234 |
Average earning assets | $504,162,800 | 1,202 |
Average equity | $57,495,800 | 1,184 |
Average total loans | $197,123,600 | 2,066 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6482% | 6,980 |
Cost of funding earning assets | 0.6093% | 6,248 |
Net interest margin | 3.0389% | 6,510 |
Noninterest income to average assets | 0.7103% | 2,539 |
Noninterest expense to average assets | 1.7909% | 7,007 |
Loan and lease loss provision to assets | 0.0015% | 6,387 |
Net operating income to assets | 1.3207% | 1,322 |
Return on assets (ROA) | 1.4209% | 1,186 |
Pretax return on assets | 1.8977% | 783 |
Return on Equity (ROE) | 13.4170% | 1,178 |
Retained earnings to average equity (ytd only) | 9.8731% | 880 |
Net charge-offs to loans | 0.0390% | 5,603 |
Credit loss provision to net charge-offs | 10.5263% | 5,657 |
Earnings coverage of net charge-offs (x) | 123.8039% | 298 |
Efficiency ratio | 50.3553% | 6,808 |
Assets per employee ($millions) | 5.8308% | 1,322 |
Cash dividends to net income (ytd only)* | 26.4131% | 2,648 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6003% | 3,666 |
Loan loss allowance to noncurrent loans | 117.1784% | 2,553 |
Noncurrent assets plus other real estate owned to assets | 1.5193% | 3,826 |
Noncurrent loans to loans | 1.3657% | 4,258 |
Net loans and leases to total assets | 35.9661% | 6,870 |
Net loans and leases to deposits | 44.1887% | 6,823 |
Net loans and leases to core deposits | 46.7247% | 6,816 |
Total domestic deposits to total assets | 81.3921% | 5,297 |
Equity capital to assets | 11.0976% | 3,050 |
Core capital (leverage) ratio | 10.3255% | 3,063 |
Tier 1 risk-based capital ratio | 13.7433% | 4,545 |
Total risk-based capital ratio | 14.5794% | 4,834 |
Memoranda: | ||
Average total assets | $532,905,250 | 1,251 |
Average earning assets | $499,118,250 | 1,218 |
Average equity | $56,434,500 | 1,200 |
Average total loans | $194,648,500 | 2,117 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6226% | 7,083 |
Cost of funding earning assets | 0.6169% | 6,377 |
Net interest margin | 3.0056% | 6,596 |
Noninterest income to average assets | 0.7112% | 2,489 |
Noninterest expense to average assets | 1.7782% | 7,105 |
Loan and lease loss provision to assets | 0.0015% | 6,211 |
Net operating income to assets | 1.3239% | 1,260 |
Return on assets (ROA) | 1.4307% | 1,079 |
Pretax return on assets | 1.8926% | 722 |
Return on Equity (ROE) | 13.7382% | 1,034 |
Retained earnings to average equity (ytd only) | 10.0999% | 824 |
Net charge-offs to loans | 0.0560% | 5,089 |
Credit loss provision to net charge-offs | 7.4074% | 5,272 |
Earnings coverage of net charge-offs (x) | 85.7037% | 407 |
Efficiency ratio | 50.3487% | 6,914 |
Assets per employee ($millions) | 5.8581% | 1,262 |
Cash dividends to net income (ytd only)* | 26.4831% | 2,610 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6299% | 3,581 |
Loan loss allowance to noncurrent loans | 110.3579% | 2,615 |
Noncurrent assets plus other real estate owned to assets | 1.6187% | 3,765 |
Noncurrent loans to loans | 1.4769% | 4,209 |
Net loans and leases to total assets | 36.3088% | 6,944 |
Net loans and leases to deposits | 45.2632% | 6,866 |
Net loans and leases to core deposits | 47.7916% | 6,862 |
Total domestic deposits to total assets | 80.2170% | 5,764 |
Equity capital to assets | 10.9254% | 3,031 |
Core capital (leverage) ratio | 9.9284% | 3,351 |
Tier 1 risk-based capital ratio | 13.4349% | 4,577 |
Total risk-based capital ratio | 14.2742% | 4,879 |
Memoranda: | ||
Average total assets | $527,843,330 | 1,269 |
Average earning assets | $495,340,670 | 1,231 |
Average equity | $54,971,000 | 1,223 |
Average total loans | $192,753,670 | 2,158 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5092% | 7,204 |
Cost of funding earning assets | 0.6190% | 6,528 |
Net interest margin | 2.8903% | 6,775 |
Noninterest income to average assets | 0.6572% | 2,795 |
Noninterest expense to average assets | 1.7532% | 7,184 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.2305% | 1,454 |
Return on assets (ROA) | 1.3747% | 1,155 |
Pretax return on assets | 1.8034% | 813 |
Return on Equity (ROE) | 13.5370% | 1,081 |
Retained earnings to average equity (ytd only) | 9.7871% | 1,161 |
Net charge-offs to loans | 0.0021% | 5,098 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 2,119.0000% | 4 |
Efficiency ratio | 52.0697% | 6,848 |
Assets per employee ($millions) | 5.7674% | 1,361 |
Cash dividends to net income (ytd only)* | 27.7008% | 2,052 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7032% | 3,334 |
Loan loss allowance to noncurrent loans | 75.3996% | 3,704 |
Noncurrent assets plus other real estate owned to assets | 1.9338% | 3,391 |
Noncurrent loans to loans | 2.2589% | 3,242 |
Net loans and leases to total assets | 35.4043% | 7,027 |
Net loans and leases to deposits | 44.0015% | 6,956 |
Net loans and leases to core deposits | 46.4339% | 6,954 |
Total domestic deposits to total assets | 80.4615% | 5,824 |
Equity capital to assets | 10.2391% | 3,484 |
Core capital (leverage) ratio | 9.7373% | 3,476 |
Tier 1 risk-based capital ratio | 13.2280% | 4,638 |
Total risk-based capital ratio | 14.0901% | 4,924 |
Memoranda: | ||
Average total assets | $525,220,500 | 1,290 |
Average earning assets | $492,413,000 | 1,248 |
Average equity | $53,335,500 | 1,257 |
Average total loans | $190,748,000 | 2,193 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7779% | 7,265 |
Cost of funding earning assets | 0.7255% | 6,804 |
Net interest margin | 3.0525% | 6,633 |
Noninterest income to average assets | 0.7524% | 2,529 |
Noninterest expense to average assets | 1.7429% | 7,313 |
Loan and lease loss provision to assets | 0.0443% | 6,719 |
Net operating income to assets | 1.3455% | 1,065 |
Return on assets (ROA) | 1.4163% | 984 |
Pretax return on assets | 1.8965% | 616 |
Return on Equity (ROE) | 13.7095% | 945 |
Retained earnings to average equity (ytd only) | 12.7116% | 227 |
Net charge-offs to loans | 0.0450% | 6,356 |
Credit loss provision to net charge-offs | 262.1951% | 1,073 |
Earnings coverage of net charge-offs (x) | 109.2073% | 230 |
Efficiency ratio | 48.5581% | 7,233 |
Assets per employee ($millions) | 5.7760% | 1,376 |
Cash dividends to net income (ytd only)* | 7.2791% | 3,823 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7102% | 3,179 |
Loan loss allowance to noncurrent loans | 71.1072% | 3,880 |
Noncurrent assets plus other real estate owned to assets | 2.0243% | 3,321 |
Noncurrent loans to loans | 2.4051% | 3,109 |
Net loans and leases to total assets | 35.9975% | 7,153 |
Net loans and leases to deposits | 44.6933% | 7,091 |
Net loans and leases to core deposits | 47.2744% | 7,106 |
Total domestic deposits to total assets | 80.5435% | 5,670 |
Equity capital to assets | 10.0689% | 3,661 |
Core capital (leverage) ratio | 10.0316% | 3,059 |
Tier 1 risk-based capital ratio | 13.1077% | 4,516 |
Total risk-based capital ratio | 13.9843% | 4,807 |
Memoranda: | ||
Average total assets | $485,002,800 | 1,381 |
Average earning assets | $450,749,800 | 1,354 |
Average equity | $50,104,000 | 1,335 |
Average total loans | $182,261,000 | 2,329 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8683% | 7,366 |
Cost of funding earning assets | 0.7485% | 6,918 |
Net interest margin | 3.1198% | 6,566 |
Noninterest income to average assets | 0.7807% | 2,318 |
Noninterest expense to average assets | 1.7611% | 7,380 |
Loan and lease loss provision to assets | 0.0588% | 6,481 |
Net operating income to assets | 1.3723% | 1,163 |
Return on assets (ROA) | 1.4632% | 1,071 |
Pretax return on assets | 1.9749% | 651 |
Return on Equity (ROE) | 14.0665% | 1,018 |
Retained earnings to average equity (ytd only) | 14.0665% | 268 |
Net charge-offs to loans | 0.0570% | 5,947 |
Credit loss provision to net charge-offs | 272.7273% | 1,201 |
Earnings coverage of net charge-offs (x) | 88.6529% | 348 |
Efficiency ratio | 47.9607% | 7,273 |
Assets per employee ($millions) | 5.1345% | 2,016 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8569% | 2,605 |
Loan loss allowance to noncurrent loans | 70.0215% | 3,815 |
Noncurrent assets plus other real estate owned to assets | 2.2656% | 3,123 |
Noncurrent loans to loans | 2.6520% | 2,979 |
Net loans and leases to total assets | 36.4303% | 7,247 |
Net loans and leases to deposits | 45.8447% | 7,179 |
Net loans and leases to core deposits | 48.1645% | 7,196 |
Total domestic deposits to total assets | 79.4646% | 5,879 |
Equity capital to assets | 11.3464% | 2,666 |
Core capital (leverage) ratio | 10.3544% | 2,853 |
Tier 1 risk-based capital ratio | 14.3209% | 3,618 |
Total risk-based capital ratio | 15.3009% | 3,769 |
Memoranda: | ||
Average total assets | $476,294,500 | 1,424 |
Average earning assets | $441,383,500 | 1,394 |
Average equity | $49,544,500 | 1,358 |
Average total loans | $180,230,250 | 2,392 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8663% | 7,452 |
Cost of funding earning assets | 0.7634% | 7,023 |
Net interest margin | 3.1030% | 6,605 |
Noninterest income to average assets | 0.7575% | 2,340 |
Noninterest expense to average assets | 1.7734% | 7,419 |
Loan and lease loss provision to assets | 0.0867% | 6,058 |
Net operating income to assets | 1.3008% | 1,304 |
Return on assets (ROA) | 1.4372% | 1,087 |
Pretax return on assets | 1.9447% | 680 |
Return on Equity (ROE) | 14.2425% | 988 |
Retained earnings to average equity (ytd only) | 14.2425% | 297 |
Net charge-offs to loans | 0.0297% | 5,923 |
Credit loss provision to net charge-offs | 766.6667% | 482 |
Earnings coverage of net charge-offs (x) | 163.3704% | 216 |
Efficiency ratio | 48.9822% | 7,289 |
Assets per employee ($millions) | 5.0190% | 2,163 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8012% | 2,711 |
Loan loss allowance to noncurrent loans | 59.1511% | 4,396 |
Noncurrent assets plus other real estate owned to assets | 2.4184% | 2,972 |
Noncurrent loans to loans | 3.0450% | 2,646 |
Net loans and leases to total assets | 36.9886% | 7,324 |
Net loans and leases to deposits | 45.8045% | 7,255 |
Net loans and leases to core deposits | 47.6848% | 7,294 |
Total domestic deposits to total assets | 80.7533% | 5,492 |
Equity capital to assets | 10.4154% | 3,513 |
Core capital (leverage) ratio | 9.9075% | 3,273 |
Tier 1 risk-based capital ratio | 13.5814% | 4,015 |
Total risk-based capital ratio | 14.5594% | 4,162 |
Memoranda: | ||
Average total assets | $477,602,670 | 1,434 |
Average earning assets | $440,676,000 | 1,408 |
Average equity | $48,193,670 | 1,390 |
Average total loans | $181,859,670 | 2,406 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9385% | 7,501 |
Cost of funding earning assets | 0.7932% | 7,108 |
Net interest margin | 3.1452% | 6,472 |
Noninterest income to average assets | 0.7687% | 2,184 |
Noninterest expense to average assets | 1.7379% | 7,537 |
Loan and lease loss provision to assets | 0.0863% | 5,780 |
Net operating income to assets | 1.3209% | 1,254 |
Return on assets (ROA) | 1.5882% | 824 |
Pretax return on assets | 2.1997% | 421 |
Return on Equity (ROE) | 16.0044% | 719 |
Retained earnings to average equity (ytd only) | 16.0044% | 342 |
Net charge-offs to loans | 0.0508% | 4,897 |
Credit loss provision to net charge-offs | 443.4783% | 946 |
Earnings coverage of net charge-offs (x) | 98.4348% | 325 |
Efficiency ratio | 47.5805% | 7,472 |
Assets per employee ($millions) | 4.7472% | 2,574 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7785% | 2,796 |
Loan loss allowance to noncurrent loans | 58.1623% | 4,466 |
Noncurrent assets plus other real estate owned to assets | 2.4671% | 2,940 |
Noncurrent loans to loans | 3.0578% | 2,618 |
Net loans and leases to total assets | 37.2634% | 7,377 |
Net loans and leases to deposits | 46.7392% | 7,294 |
Net loans and leases to core deposits | 48.2458% | 7,350 |
Total domestic deposits to total assets | 79.7263% | 5,879 |
Equity capital to assets | 10.1186% | 3,723 |
Core capital (leverage) ratio | 9.8264% | 3,373 |
Tier 1 risk-based capital ratio | 13.5707% | 3,945 |
Total risk-based capital ratio | 14.5426% | 4,077 |
Memoranda: | ||
Average total assets | $472,980,500 | 1,481 |
Average earning assets | $433,670,500 | 1,469 |
Average equity | $46,937,000 | 1,434 |
Average total loans | $181,099,000 | 2,477 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3308% | 7,536 |
Cost of funding earning assets | 1.0551% | 7,087 |
Net interest margin | 3.2758% | 5,836 |
Noninterest income to average assets | 0.1627% | 6,912 |
Noninterest expense to average assets | 1.9250% | 7,464 |
Loan and lease loss provision to assets | 0.0029% | 7,418 |
Net operating income to assets | 0.9652% | 1,961 |
Return on assets (ROA) | 1.1787% | 1,347 |
Pretax return on assets | 1.5149% | 1,152 |
Return on Equity (ROE) | 12.5493% | 1,045 |
Retained earnings to average equity (ytd only) | 12.5493% | 178 |
Net charge-offs to loans | 0.0622% | 6,483 |
Credit loss provision to net charge-offs | 10.7438% | 6,970 |
Earnings coverage of net charge-offs (x) | 46.3058% | 553 |
Efficiency ratio | 60.7441% | 6,367 |
Assets per employee ($millions) | 5.0132% | 2,198 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7150% | 2,852 |
Loan loss allowance to noncurrent loans | 46.1709% | 5,313 |
Noncurrent assets plus other real estate owned to assets | 2.6670% | 2,629 |
Noncurrent loans to loans | 3.7145% | 2,026 |
Net loans and leases to total assets | 37.9796% | 7,450 |
Net loans and leases to deposits | 47.2509% | 7,382 |
Net loans and leases to core deposits | 50.5693% | 7,575 |
Total domestic deposits to total assets | 80.3785% | 5,559 |
Equity capital to assets | 9.7273% | 4,108 |
Core capital (leverage) ratio | 9.5357% | 3,676 |
Tier 1 risk-based capital ratio | 12.8364% | 4,257 |
Total risk-based capital ratio | 13.7719% | 4,451 |
Memoranda: | ||
Average total assets | $450,395,800 | 1,537 |
Average earning assets | $413,340,000 | 1,531 |
Average equity | $42,305,200 | 1,579 |
Average total loans | $194,621,600 | 2,344 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4557% | 7,558 |
Cost of funding earning assets | 1.1205% | 7,134 |
Net interest margin | 3.3351% | 5,506 |
Noninterest income to average assets | 0.7814% | 2,537 |
Noninterest expense to average assets | 2.4073% | 6,393 |
Loan and lease loss provision to assets | 0.0030% | 7,275 |
Net operating income to assets | 1.0985% | 1,737 |
Return on assets (ROA) | 1.2989% | 1,298 |
Pretax return on assets | 1.6879% | 997 |
Return on Equity (ROE) | 13.9601% | 942 |
Retained earnings to average equity (ytd only) | 13.9601% | 197 |
Net charge-offs to loans | 0.0458% | 6,267 |
Credit loss provision to net charge-offs | 14.7059% | 6,599 |
Earnings coverage of net charge-offs (x) | 70.2534% | 480 |
Efficiency ratio | 62.7234% | 5,977 |
Assets per employee ($millions) | 4.5207% | 2,832 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7229% | 2,537 |
Loan loss allowance to noncurrent loans | 39.9346% | 5,683 |
Noncurrent assets plus other real estate owned to assets | 3.7028% | 1,756 |
Noncurrent loans to loans | 4.3144% | 1,656 |
Net loans and leases to total assets | 41.2864% | 7,400 |
Net loans and leases to deposits | 52.5077% | 7,281 |
Net loans and leases to core deposits | 57.0242% | 7,508 |
Total domestic deposits to total assets | 78.6292% | 5,920 |
Equity capital to assets | 10.4565% | 3,559 |
Core capital (leverage) ratio | 9.7116% | 3,627 |
Tier 1 risk-based capital ratio | 13.2804% | 3,997 |
Total risk-based capital ratio | 14.2963% | 4,095 |
Memoranda: | ||
Average total assets | $445,184,000 | 1,570 |
Average earning assets | $408,007,750 | 1,569 |
Average equity | $41,421,750 | 1,638 |
Average total loans | $197,752,250 | 2,343 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5138% | 7,616 |
Cost of funding earning assets | 1.1757% | 7,178 |
Net interest margin | 3.3380% | 5,409 |
Noninterest income to average assets | 0.7724% | 2,571 |
Noninterest expense to average assets | 2.4228% | 6,391 |
Loan and lease loss provision to assets | 0.0018% | 7,150 |
Net operating income to assets | 1.1165% | 1,718 |
Return on assets (ROA) | 1.1564% | 1,675 |
Pretax return on assets | 1.4671% | 1,540 |
Return on Equity (ROE) | 12.9529% | 1,193 |
Retained earnings to average equity (ytd only) | 12.9529% | 339 |
Net charge-offs to loans | 0.0732% | 5,481 |
Credit loss provision to net charge-offs | 5.4054% | 6,217 |
Earnings coverage of net charge-offs (x) | 42.8784% | 772 |
Efficiency ratio | 63.0746% | 6,077 |
Assets per employee ($millions) | 4.5679% | 2,665 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6315% | 2,608 |
Loan loss allowance to noncurrent loans | 56.2734% | 4,655 |
Noncurrent assets plus other real estate owned to assets | 2.8967% | 2,208 |
Noncurrent loans to loans | 2.8993% | 2,487 |
Net loans and leases to total assets | 42.5868% | 7,412 |
Net loans and leases to deposits | 52.2224% | 7,371 |
Net loans and leases to core deposits | 56.4897% | 7,575 |
Total domestic deposits to total assets | 81.5490% | 4,879 |
Equity capital to assets | 9.4095% | 4,733 |
Core capital (leverage) ratio | 9.0894% | 4,485 |
Tier 1 risk-based capital ratio | 12.0303% | 4,893 |
Total risk-based capital ratio | 12.9846% | 5,084 |
Memoranda: | ||
Average total assets | $447,408,670 | 1,584 |
Average earning assets | $411,319,330 | 1,583 |
Average equity | $39,944,670 | 1,702 |
Average total loans | $202,263,330 | 2,325 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6461% | 7,577 |
Cost of funding earning assets | 1.2705% | 7,114 |
Net interest margin | 3.3756% | 5,230 |
Noninterest income to average assets | 0.7521% | 2,587 |
Noninterest expense to average assets | 2.2330% | 6,746 |
Loan and lease loss provision to assets | 0.0036% | 6,734 |
Net operating income to assets | 1.2974% | 1,389 |
Return on assets (ROA) | 1.1134% | 2,036 |
Pretax return on assets | 1.3772% | 2,034 |
Return on Equity (ROE) | 12.8166% | 1,434 |
Retained earnings to average equity (ytd only) | 12.8166% | 665 |
Net charge-offs to loans | 0.0097% | 5,513 |
Credit loss provision to net charge-offs | 80.0000% | 4,190 |
Earnings coverage of net charge-offs (x) | 359.6000% | 99 |
Efficiency ratio | 58.1374% | 6,683 |
Assets per employee ($millions) | 4.7804% | 2,319 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5922% | 2,554 |
Loan loss allowance to noncurrent loans | 68.9060% | 4,137 |
Noncurrent assets plus other real estate owned to assets | 2.8249% | 2,012 |
Noncurrent loans to loans | 2.3108% | 2,844 |
Net loans and leases to total assets | 44.4389% | 7,305 |
Net loans and leases to deposits | 54.0601% | 7,284 |
Net loans and leases to core deposits | 58.6045% | 7,511 |
Total domestic deposits to total assets | 82.2026% | 4,469 |
Equity capital to assets | 8.8715% | 5,524 |
Core capital (leverage) ratio | 9.0163% | 4,684 |
Tier 1 risk-based capital ratio | 11.6099% | 5,291 |
Total risk-based capital ratio | 12.5966% | 5,459 |
Memoranda: | ||
Average total assets | $447,285,500 | 1,586 |
Average earning assets | $409,291,500 | 1,590 |
Average equity | $38,856,000 | 1,747 |
Average total loans | $206,493,000 | 2,304 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4454% | 7,402 |
Cost of funding earning assets | 1.8960% | 6,736 |
Net interest margin | 3.5494% | 5,100 |
Noninterest income to average assets | 0.7406% | 2,838 |
Noninterest expense to average assets | 1.8680% | 7,666 |
Loan and lease loss provision to assets | 0.1721% | 5,183 |
Net operating income to assets | 2.0703% | 307 |
Return on assets (ROA) | 0.2712% | 5,456 |
Pretax return on assets | 0.1315% | 5,879 |
Return on Equity (ROE) | 3.0930% | 5,198 |
Retained earnings to average equity (ytd only) | -9.8692% | 7,063 |
Net charge-offs to loans | 0.0997% | 5,318 |
Credit loss provision to net charge-offs | 350.4464% | 1,289 |
Earnings coverage of net charge-offs (x) | 42.8170% | 863 |
Efficiency ratio | 47.0432% | 7,870 |
Assets per employee ($millions) | 4.6376% | 2,424 |
Cash dividends to net income (ytd only)* | 419.0784% | 124 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5386% | 2,509 |
Loan loss allowance to noncurrent loans | 92.8469% | 3,669 |
Noncurrent assets plus other real estate owned to assets | 2.6518% | 1,805 |
Noncurrent loans to loans | 1.6571% | 3,283 |
Net loans and leases to total assets | 46.4572% | 7,285 |
Net loans and leases to deposits | 57.0741% | 7,259 |
Net loans and leases to core deposits | 62.8553% | 7,480 |
Total domestic deposits to total assets | 81.3981% | 4,464 |
Equity capital to assets | 8.5009% | 6,080 |
Core capital (leverage) ratio | 8.8856% | 4,916 |
Tier 1 risk-based capital ratio | 11.3570% | 5,376 |
Total risk-based capital ratio | 12.3592% | 5,517 |
Memoranda: | ||
Average total assets | $456,114,200 | 1,503 |
Average earning assets | $415,087,000 | 1,509 |
Average equity | $39,993,000 | 1,683 |
Average total loans | $224,594,200 | 2,087 |