Home > First National Bank in Port Lavaca > Performance and Condition Ratios
First National Bank in Port Lavaca, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9448% | 4,037 |
Cost of funding earning assets | 1.1717% | 2,882 |
Net interest margin | 2.7731% | 3,711 |
Noninterest income to average assets | 0.2800% | 3,252 |
Noninterest expense to average assets | 1.8123% | 3,987 |
Loan and lease loss provision to assets | 0.0200% | 2,739 |
Net operating income to assets | 0.8956% | 2,563 |
Return on assets (ROA) | 0.8956% | 2,536 |
Pretax return on assets | 1.1066% | 2,398 |
Return on Equity (ROE) | 13.2900% | 1,649 |
Retained earnings to average equity (ytd only) | 10.0055% | 1,012 |
Net charge-offs to loans | 0.0043% | 2,576 |
Credit loss provision to net charge-offs | 1,266.6667% | 333 |
Earnings coverage of net charge-offs (x) | 463.5556% | 309 |
Efficiency ratio | 61.5909% | 2,889 |
Assets per employee ($millions) | 8.0223% | 1,423 |
Cash dividends to net income (ytd only)* | 24.7126% | 2,770 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8414% | 3,876 |
Loan loss allowance to noncurrent loans | 11,187.5000% | 121 |
Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,786 |
Noncurrent loans to loans | 0.0075% | 3,721 |
Net loans and leases to total assets | 58.4300% | 2,998 |
Net loans and leases to deposits | 65.2477% | 3,219 |
Net loans and leases to core deposits | 69.9586% | 3,309 |
Total domestic deposits to total assets | 89.5600% | 889 |
Equity capital to assets | 7.8160% | 3,532 |
Core capital (leverage) ratio | 11.9146% | 1,458 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $369,146,200 | 2,118 |
Average earning assets | $354,875,200 | 2,069 |
Average equity | $24,876,400 | 2,528 |
Average total loans | $211,056,200 | 2,225 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8614% | 4,052 |
Cost of funding earning assets | 1.0826% | 2,794 |
Net interest margin | 2.7788% | 3,761 |
Noninterest income to average assets | 0.2800% | 3,257 |
Noninterest expense to average assets | 1.7935% | 3,989 |
Loan and lease loss provision to assets | 0.0500% | 1,947 |
Net operating income to assets | 0.8901% | 2,720 |
Return on assets (ROA) | 0.8901% | 2,703 |
Pretax return on assets | 1.1063% | 2,551 |
Return on Equity (ROE) | 13.7400% | 1,722 |
Retained earnings to average equity (ytd only) | 12.6112% | 871 |
Net charge-offs to loans | 0.0038% | 2,358 |
Credit loss provision to net charge-offs | 2,350.0000% | 204 |
Earnings coverage of net charge-offs (x) | 535.1667% | 293 |
Efficiency ratio | 60.8606% | 2,865 |
Assets per employee ($millions) | 7.8847% | 1,408 |
Cash dividends to net income (ytd only)* | 8.2324% | 2,836 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8354% | 3,908 |
Loan loss allowance to noncurrent loans | 9,045.0000% | 141 |
Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,810 |
Noncurrent loans to loans | 0.0092% | 3,734 |
Net loans and leases to total assets | 57.9500% | 3,032 |
Net loans and leases to deposits | 63.6291% | 3,288 |
Net loans and leases to core deposits | 68.0562% | 3,318 |
Total domestic deposits to total assets | 91.0700% | 653 |
Equity capital to assets | 6.1444% | 3,938 |
Core capital (leverage) ratio | 11.8266% | 1,517 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $371,181,750 | 2,120 |
Average earning assets | $356,649,250 | 2,053 |
Average equity | $24,041,500 | 2,563 |
Average total loans | $210,635,000 | 2,222 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7684% | 4,061 |
Cost of funding earning assets | 0.9338% | 2,820 |
Net interest margin | 2.8345% | 3,771 |
Noninterest income to average assets | 0.2800% | 3,229 |
Noninterest expense to average assets | 1.8078% | 3,983 |
Loan and lease loss provision to assets | 0.0500% | 1,895 |
Net operating income to assets | 0.9295% | 2,650 |
Return on assets (ROA) | 0.9295% | 2,637 |
Pretax return on assets | 1.1514% | 2,504 |
Return on Equity (ROE) | 14.1100% | 1,659 |
Retained earnings to average equity (ytd only) | 12.4421% | 896 |
Net charge-offs to loans | 0.0048% | 2,103 |
Credit loss provision to net charge-offs | 1,920.0000% | 275 |
Earnings coverage of net charge-offs (x) | 444.6000% | 330 |
Efficiency ratio | 60.1613% | 2,937 |
Assets per employee ($millions) | 8.3298% | 1,170 |
Cash dividends to net income (ytd only)* | 11.8192% | 2,671 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8360% | 3,936 |
Loan loss allowance to noncurrent loans | 1,819.5876% | 609 |
Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,527 |
Noncurrent loans to loans | 0.0459% | 3,388 |
Net loans and leases to total assets | 57.1200% | 3,032 |
Net loans and leases to deposits | 63.3320% | 3,236 |
Net loans and leases to core deposits | 67.6117% | 3,252 |
Total domestic deposits to total assets | 90.2000% | 865 |
Equity capital to assets | 6.7826% | 3,888 |
Core capital (leverage) ratio | 11.6267% | 1,556 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $371,382,667 | 2,118 |
Average earning assets | $357,023,667 | 2,060 |
Average equity | $24,465,333 | 2,542 |
Average total loans | $208,666,000 | 2,230 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6648% | 4,080 |
Cost of funding earning assets | 0.7474% | 2,902 |
Net interest margin | 2.9174% | 3,765 |
Noninterest income to average assets | 0.2800% | 3,222 |
Noninterest expense to average assets | 1.8437% | 3,959 |
Loan and lease loss provision to assets | 0.0100% | 2,408 |
Net operating income to assets | 0.9898% | 2,562 |
Return on assets (ROA) | 0.9898% | 2,526 |
Pretax return on assets | 1.2252% | 2,364 |
Return on Equity (ROE) | 15.2500% | 1,510 |
Retained earnings to average equity (ytd only) | 15.2461% | 774 |
Net charge-offs to loans | 0.0039% | 1,848 |
Credit loss provision to net charge-offs | 600.0000% | 496 |
Earnings coverage of net charge-offs (x) | 578.5000% | 198 |
Efficiency ratio | 59.8264% | 2,977 |
Assets per employee ($millions) | 8.0935% | 1,293 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8112% | 4,066 |
Loan loss allowance to noncurrent loans | 2,004.7619% | 586 |
Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,577 |
Noncurrent loans to loans | 0.0405% | 3,446 |
Net loans and leases to total assets | 55.3000% | 3,088 |
Net loans and leases to deposits | 61.4506% | 3,263 |
Net loans and leases to core deposits | 64.8572% | 3,291 |
Total domestic deposits to total assets | 90.0000% | 1,155 |
Equity capital to assets | 7.0637% | 3,801 |
Core capital (leverage) ratio | 11.2169% | 1,716 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $373,817,500 | 2,137 |
Average earning assets | $359,639,500 | 2,073 |
Average equity | $24,268,500 | 2,582 |
Average total loans | $207,436,000 | 2,253 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3813% | 3,391 |
Cost of funding earning assets | 0.2681% | 3,176 |
Net interest margin | 3.1132% | 3,141 |
Noninterest income to average assets | 0.2600% | 3,579 |
Noninterest expense to average assets | 1.7177% | 4,146 |
Loan and lease loss provision to assets | 0.0300% | 2,326 |
Net operating income to assets | 1.2267% | 1,679 |
Return on assets (ROA) | 1.2076% | 1,691 |
Pretax return on assets | 1.4958% | 1,470 |
Return on Equity (ROE) | 17.5500% | 775 |
Retained earnings to average equity (ytd only) | 13.7088% | 423 |
Net charge-offs to loans | -0.0089% | 3,783 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 52.4980% | 3,939 |
Assets per employee ($millions) | 8.1595% | 1,246 |
Cash dividends to net income (ytd only)* | 21.8676% | 2,817 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9113% | 3,726 |
Loan loss allowance to noncurrent loans | 1,431.0606% | 759 |
Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,453 |
Noncurrent loans to loans | 0.0637% | 3,289 |
Net loans and leases to total assets | 54.7200% | 3,139 |
Net loans and leases to deposits | 58.2794% | 3,438 |
Net loans and leases to core deposits | 59.6975% | 3,524 |
Total domestic deposits to total assets | 93.9000% | 254 |
Equity capital to assets | 5.9251% | 4,116 |
Core capital (leverage) ratio | 10.8382% | 1,925 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $386,626,600 | 2,078 |
Average earning assets | $373,791,200 | 2,012 |
Average equity | $26,610,600 | 2,504 |
Average total loans | $202,389,000 | 2,211 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1839% | 3,094 |
Cost of funding earning assets | 0.1926% | 3,018 |
Net interest margin | 2.9913% | 2,909 |
Noninterest income to average assets | 0.2613% | 3,608 |
Noninterest expense to average assets | 1.7040% | 4,143 |
Loan and lease loss provision to assets | 0.0381% | 1,904 |
Net operating income to assets | 1.1438% | 1,619 |
Return on assets (ROA) | 1.1235% | 1,666 |
Pretax return on assets | 1.3985% | 1,443 |
Return on Equity (ROE) | 14.7306% | 952 |
Retained earnings to average equity (ytd only) | 13.3708% | 425 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.8215% | 3,984 |
Assets per employee ($millions) | 8.4652% | 1,079 |
Cash dividends to net income (ytd only)* | 9.2308% | 2,783 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8889% | 3,985 |
Loan loss allowance to noncurrent loans | 2,081.6092% | 540 |
Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,783 |
Noncurrent loans to loans | 0.0427% | 3,622 |
Net loans and leases to total assets | 51.8531% | 3,177 |
Net loans and leases to deposits | 55.3694% | 3,431 |
Net loans and leases to core deposits | 56.4942% | 3,524 |
Total domestic deposits to total assets | 93.6495% | 360 |
Equity capital to assets | 6.1353% | 4,162 |
Core capital (leverage) ratio | 10.1492% | 2,235 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $393,417,000 | 2,078 |
Average earning assets | $382,044,333 | 2,016 |
Average equity | $30,005,667 | 2,421 |
Average total loans | $199,265,333 | 2,242 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0873% | 3,013 |
Cost of funding earning assets | 0.1851% | 3,011 |
Net interest margin | 2.9022% | 2,828 |
Noninterest income to average assets | 0.2509% | 3,642 |
Noninterest expense to average assets | 1.7278% | 4,093 |
Loan and lease loss provision to assets | 0.0455% | 1,546 |
Net operating income to assets | 1.0450% | 1,707 |
Return on assets (ROA) | 1.0450% | 1,703 |
Pretax return on assets | 1.3009% | 1,506 |
Return on Equity (ROE) | 12.4974% | 1,163 |
Retained earnings to average equity (ytd only) | 12.4974% | 529 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2027% | 3,859 |
Assets per employee ($millions) | 8.2514% | 1,229 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8820% | 4,089 |
Loan loss allowance to noncurrent loans | 4,813.5135% | 273 |
Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,976 |
Noncurrent loans to loans | 0.0183% | 3,864 |
Net loans and leases to total assets | 51.6055% | 3,017 |
Net loans and leases to deposits | 55.7841% | 3,288 |
Net loans and leases to core deposits | 56.9852% | 3,377 |
Total domestic deposits to total assets | 92.5094% | 400 |
Equity capital to assets | 7.3279% | 4,033 |
Core capital (leverage) ratio | 9.6799% | 2,614 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $395,425,500 | 2,072 |
Average earning assets | $384,670,500 | 2,006 |
Average equity | $33,063,000 | 2,329 |
Average total loans | $197,034,500 | 2,246 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1821% | 3,512 |
Cost of funding earning assets | 0.2282% | 3,154 |
Net interest margin | 2.9538% | 3,308 |
Noninterest income to average assets | 0.2192% | 4,054 |
Noninterest expense to average assets | 1.6834% | 4,318 |
Loan and lease loss provision to assets | 0.0346% | 2,363 |
Net operating income to assets | 1.1175% | 2,220 |
Return on assets (ROA) | 1.1175% | 2,284 |
Pretax return on assets | 1.3833% | 2,106 |
Return on Equity (ROE) | 10.9452% | 2,183 |
Retained earnings to average equity (ytd only) | 5.6237% | 2,508 |
Net charge-offs to loans | -0.0053% | 3,567 |
Credit loss provision to net charge-offs | -1,300.0000% | 3,977 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.2811% | 3,904 |
Assets per employee ($millions) | 8.3965% | 1,122 |
Cash dividends to net income (ytd only)* | 48.6190% | 1,587 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9034% | 4,057 |
Loan loss allowance to noncurrent loans | 771.5556% | 1,046 |
Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,588 |
Noncurrent loans to loans | 0.1171% | 3,347 |
Net loans and leases to total assets | 47.2459% | 3,575 |
Net loans and leases to deposits | 52.2137% | 3,723 |
Net loans and leases to core deposits | 53.3632% | 3,802 |
Total domestic deposits to total assets | 90.4857% | 727 |
Equity capital to assets | 9.3558% | 3,268 |
Core capital (leverage) ratio | 9.8775% | 2,486 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $375,852,200 | 2,082 |
Average earning assets | $366,708,600 | 2,015 |
Average equity | $38,373,000 | 2,144 |
Average total loans | $187,895,400 | 2,320 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2224% | 3,565 |
Cost of funding earning assets | 0.2404% | 3,207 |
Net interest margin | 2.9819% | 3,351 |
Noninterest income to average assets | 0.2301% | 4,025 |
Noninterest expense to average assets | 1.6799% | 4,358 |
Loan and lease loss provision to assets | 0.0360% | 2,277 |
Net operating income to assets | 1.0849% | 2,612 |
Return on assets (ROA) | 1.0849% | 2,666 |
Pretax return on assets | 1.4223% | 2,245 |
Return on Equity (ROE) | 10.3891% | 2,597 |
Retained earnings to average equity (ytd only) | 8.2684% | 1,965 |
Net charge-offs to loans | -0.0071% | 3,546 |
Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.5283% | 3,864 |
Assets per employee ($millions) | 7.8072% | 1,372 |
Cash dividends to net income (ytd only)* | 20.4129% | 2,538 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9038% | 4,141 |
Loan loss allowance to noncurrent loans | 1,107.7922% | 742 |
Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,883 |
Noncurrent loans to loans | 0.0816% | 3,678 |
Net loans and leases to total assets | 49.9159% | 3,421 |
Net loans and leases to deposits | 55.9773% | 3,578 |
Net loans and leases to core deposits | 57.5564% | 3,660 |
Total domestic deposits to total assets | 89.1718% | 1,182 |
Equity capital to assets | 10.5157% | 2,450 |
Core capital (leverage) ratio | 10.0794% | 2,416 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $369,056,750 | 2,129 |
Average earning assets | $359,935,250 | 2,059 |
Average equity | $38,539,500 | 2,161 |
Average total loans | $186,831,000 | 2,364 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2044% | 3,673 |
Cost of funding earning assets | 0.2581% | 3,208 |
Net interest margin | 2.9463% | 3,457 |
Noninterest income to average assets | 0.2342% | 4,000 |
Noninterest expense to average assets | 1.6772% | 4,392 |
Loan and lease loss provision to assets | 0.0300% | 2,376 |
Net operating income to assets | 1.0301% | 2,788 |
Return on assets (ROA) | 1.0301% | 2,868 |
Pretax return on assets | 1.3999% | 2,342 |
Return on Equity (ROE) | 9.8875% | 2,787 |
Retained earnings to average equity (ytd only) | 6.6823% | 2,549 |
Net charge-offs to loans | -0.0107% | 3,695 |
Credit loss provision to net charge-offs | -550.0000% | 3,495 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.9797% | 3,810 |
Assets per employee ($millions) | 7.9640% | 1,228 |
Cash dividends to net income (ytd only)* | 32.4167% | 1,942 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8657% | 4,247 |
Loan loss allowance to noncurrent loans | 1,483.0357% | 540 |
Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,055 |
Noncurrent loans to loans | 0.0584% | 3,887 |
Net loans and leases to total assets | 50.8140% | 3,468 |
Net loans and leases to deposits | 56.8916% | 3,645 |
Net loans and leases to core deposits | 58.5025% | 3,728 |
Total domestic deposits to total assets | 89.3174% | 1,131 |
Equity capital to assets | 10.2344% | 2,633 |
Core capital (leverage) ratio | 9.8279% | 2,572 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $367,161,000 | 2,125 |
Average earning assets | $358,004,000 | 2,061 |
Average equity | $38,250,333 | 2,162 |
Average total loans | $186,187,000 | 2,383 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2498% | 3,578 |
Cost of funding earning assets | 0.3147% | 2,844 |
Net interest margin | 2.9351% | 3,425 |
Noninterest income to average assets | 0.2354% | 3,983 |
Noninterest expense to average assets | 1.7030% | 4,371 |
Loan and lease loss provision to assets | 0.0110% | 2,633 |
Net operating income to assets | 1.0231% | 2,735 |
Return on assets (ROA) | 1.0231% | 2,817 |
Pretax return on assets | 1.3840% | 2,326 |
Return on Equity (ROE) | 9.7327% | 2,778 |
Retained earnings to average equity (ytd only) | 9.7327% | 1,732 |
Net charge-offs to loans | -0.0131% | 3,790 |
Credit loss provision to net charge-offs | -166.6667% | 2,918 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9716% | 3,670 |
Assets per employee ($millions) | 7.8133% | 1,278 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8687% | 4,249 |
Loan loss allowance to noncurrent loans | 942.6901% | 707 |
Noncurrent assets plus other real estate owned to assets | 0.0466% | 4,040 |
Noncurrent loans to loans | 0.0921% | 3,844 |
Net loans and leases to total assets | 50.0934% | 3,617 |
Net loans and leases to deposits | 55.9809% | 3,791 |
Net loans and leases to core deposits | 57.9652% | 3,839 |
Total domestic deposits to total assets | 89.4830% | 1,071 |
Equity capital to assets | 10.2732% | 2,456 |
Core capital (leverage) ratio | 9.8664% | 2,669 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $363,587,500 | 2,130 |
Average earning assets | $354,605,500 | 2,059 |
Average equity | $38,221,500 | 2,153 |
Average total loans | $183,349,500 | 2,419 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5073% | 4,018 |
Cost of funding earning assets | 0.4177% | 3,477 |
Net interest margin | 3.0897% | 3,657 |
Noninterest income to average assets | 0.2205% | 4,176 |
Noninterest expense to average assets | 1.6414% | 4,676 |
Loan and lease loss provision to assets | 0.0856% | 3,298 |
Net operating income to assets | 1.1967% | 1,569 |
Return on assets (ROA) | 1.1967% | 1,670 |
Pretax return on assets | 1.4874% | 1,370 |
Return on Equity (ROE) | 11.1896% | 1,560 |
Retained earnings to average equity (ytd only) | 5.7441% | 1,931 |
Net charge-offs to loans | -0.0022% | 3,996 |
Credit loss provision to net charge-offs | -7,500.0000% | 4,381 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0648% | 4,464 |
Assets per employee ($millions) | 7.8250% | 1,110 |
Cash dividends to net income (ytd only)* | 48.6654% | 1,905 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8811% | 4,242 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 49.8779% | 3,839 |
Net loans and leases to deposits | 56.0973% | 3,990 |
Net loans and leases to core deposits | 58.1435% | 4,043 |
Total domestic deposits to total assets | 88.9132% | 1,020 |
Equity capital to assets | 10.7562% | 2,473 |
Core capital (leverage) ratio | 9.7465% | 2,846 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $350,622,400 | 2,048 |
Average earning assets | $339,744,800 | 1,984 |
Average equity | $37,499,200 | 2,107 |
Average total loans | $178,951,400 | 2,420 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5347% | 4,149 |
Cost of funding earning assets | 0.4435% | 3,561 |
Net interest margin | 3.0912% | 3,759 |
Noninterest income to average assets | 0.2205% | 4,173 |
Noninterest expense to average assets | 1.6338% | 4,700 |
Loan and lease loss provision to assets | 0.1034% | 3,030 |
Net operating income to assets | 1.1649% | 1,766 |
Return on assets (ROA) | 1.1649% | 1,884 |
Pretax return on assets | 1.4742% | 1,505 |
Return on Equity (ROE) | 10.9081% | 1,715 |
Retained earnings to average equity (ytd only) | 9.4455% | 875 |
Net charge-offs to loans | -0.0030% | 3,945 |
Credit loss provision to net charge-offs | -6,750.0000% | 4,285 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.8761% | 4,426 |
Assets per employee ($millions) | 7.9203% | 1,032 |
Cash dividends to net income (ytd only)* | 13.4078% | 3,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8372% | 4,268 |
Loan loss allowance to noncurrent loans | 1,350.0000% | 466 |
Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,301 |
Noncurrent loans to loans | 0.0620% | 4,122 |
Net loans and leases to total assets | 50.9103% | 4,040 |
Net loans and leases to deposits | 57.3144% | 4,196 |
Net loans and leases to core deposits | 60.3273% | 4,185 |
Total domestic deposits to total assets | 88.8264% | 850 |
Equity capital to assets | 10.7970% | 2,547 |
Core capital (leverage) ratio | 10.0407% | 2,682 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $348,290,750 | 2,035 |
Average earning assets | $336,992,000 | 1,971 |
Average equity | $37,194,750 | 2,112 |
Average total loans | $178,406,500 | 2,422 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5817% | 4,290 |
Cost of funding earning assets | 0.4869% | 3,611 |
Net interest margin | 3.0949% | 3,908 |
Noninterest income to average assets | 0.2269% | 4,127 |
Noninterest expense to average assets | 1.6446% | 4,740 |
Loan and lease loss provision to assets | 0.1225% | 2,808 |
Net operating income to assets | 1.1430% | 1,831 |
Return on assets (ROA) | 1.1430% | 1,959 |
Pretax return on assets | 1.4516% | 1,586 |
Return on Equity (ROE) | 10.7454% | 1,720 |
Retained earnings to average equity (ytd only) | 8.5086% | 1,156 |
Net charge-offs to loans | -0.0023% | 3,847 |
Credit loss provision to net charge-offs | -10,500.0000% | 4,220 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0962% | 4,429 |
Assets per employee ($millions) | 7.7152% | 1,081 |
Cash dividends to net income (ytd only)* | 20.8163% | 2,700 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8274% | 4,264 |
Loan loss allowance to noncurrent loans | 170.7151% | 2,395 |
Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,323 |
Noncurrent loans to loans | 0.4846% | 2,695 |
Net loans and leases to total assets | 50.7970% | 4,113 |
Net loans and leases to deposits | 57.2107% | 4,257 |
Net loans and leases to core deposits | 61.1644% | 4,203 |
Total domestic deposits to total assets | 88.7893% | 826 |
Equity capital to assets | 10.7633% | 2,520 |
Core capital (leverage) ratio | 9.8890% | 2,936 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $342,943,333 | 2,031 |
Average earning assets | $331,517,667 | 1,974 |
Average equity | $36,480,667 | 2,132 |
Average total loans | $175,525,667 | 2,429 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6812% | 4,427 |
Cost of funding earning assets | 0.6256% | 3,304 |
Net interest margin | 3.0555% | 4,190 |
Noninterest income to average assets | 0.2457% | 4,083 |
Noninterest expense to average assets | 1.6785% | 4,797 |
Loan and lease loss provision to assets | 0.1187% | 2,208 |
Net operating income to assets | 1.0980% | 1,849 |
Return on assets (ROA) | 1.0980% | 1,950 |
Pretax return on assets | 1.3936% | 1,583 |
Return on Equity (ROE) | 10.3870% | 1,615 |
Retained earnings to average equity (ytd only) | 10.3870% | 666 |
Net charge-offs to loans | -0.0023% | 3,681 |
Credit loss provision to net charge-offs | -10,000.0000% | 3,968 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.6042% | 4,502 |
Assets per employee ($millions) | 7.2126% | 997 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7995% | 4,415 |
Loan loss allowance to noncurrent loans | 149.4635% | 2,547 |
Noncurrent assets plus other real estate owned to assets | 0.2749% | 3,353 |
Noncurrent loans to loans | 0.5349% | 2,660 |
Net loans and leases to total assets | 50.9859% | 4,182 |
Net loans and leases to deposits | 57.4501% | 4,301 |
Net loans and leases to core deposits | 61.6632% | 4,286 |
Total domestic deposits to total assets | 88.7480% | 788 |
Equity capital to assets | 10.9316% | 2,916 |
Core capital (leverage) ratio | 10.1587% | 3,280 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.3088% | 542 |
Memoranda: | ||
Average total assets | $336,964,500 | 2,010 |
Average earning assets | $324,789,000 | 1,957 |
Average equity | $35,621,500 | 2,166 |
Average total loans | $172,397,000 | 2,435 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7713% | 4,606 |
Cost of funding earning assets | 0.7347% | 2,997 |
Net interest margin | 3.0366% | 4,472 |
Noninterest income to average assets | 0.2367% | 4,258 |
Noninterest expense to average assets | 1.7523% | 4,825 |
Loan and lease loss provision to assets | 0.0382% | 3,248 |
Net operating income to assets | 1.0772% | 2,534 |
Return on assets (ROA) | 1.0769% | 2,636 |
Pretax return on assets | 1.3611% | 2,291 |
Return on Equity (ROE) | 10.7172% | 1,994 |
Retained earnings to average equity (ytd only) | 5.7436% | 2,007 |
Net charge-offs to loans | 0.0113% | 3,286 |
Credit loss provision to net charge-offs | 657.8947% | 479 |
Earnings coverage of net charge-offs (x) | 240.8421% | 344 |
Efficiency ratio | 55.5070% | 4,269 |
Assets per employee ($millions) | 7.1264% | 995 |
Cash dividends to net income (ytd only)* | 46.4073% | 2,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7575% | 4,422 |
Loan loss allowance to noncurrent loans | 114.1343% | 3,058 |
Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,062 |
Noncurrent loans to loans | 0.6637% | 2,230 |
Net loans and leases to total assets | 50.5382% | 4,306 |
Net loans and leases to deposits | 56.3740% | 4,442 |
Net loans and leases to core deposits | 60.0673% | 4,437 |
Total domestic deposits to total assets | 89.6480% | 449 |
Equity capital to assets | 10.2066% | 3,725 |
Core capital (leverage) ratio | 9.8461% | 3,679 |
Tier 1 risk-based capital ratio | 22.0040% | 1,021 |
Total risk-based capital ratio | 22.8585% | 1,042 |
Memoranda: | ||
Average total assets | $326,948,600 | 2,001 |
Average earning assets | $313,868,600 | 1,947 |
Average equity | $32,853,800 | 2,246 |
Average total loans | $167,477,000 | 2,435 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7791% | 4,698 |
Cost of funding earning assets | 0.7434% | 2,996 |
Net interest margin | 3.0357% | 4,576 |
Noninterest income to average assets | 0.2409% | 4,296 |
Noninterest expense to average assets | 1.7775% | 4,847 |
Loan and lease loss provision to assets | 0.0390% | 3,124 |
Net operating income to assets | 1.0774% | 2,660 |
Return on assets (ROA) | 1.0771% | 2,752 |
Pretax return on assets | 1.3376% | 2,533 |
Return on Equity (ROE) | 10.7621% | 2,116 |
Retained earnings to average equity (ytd only) | 9.9257% | 765 |
Net charge-offs to loans | 0.0136% | 2,888 |
Credit loss provision to net charge-offs | 558.8235% | 579 |
Earnings coverage of net charge-offs (x) | 197.3776% | 439 |
Efficiency ratio | 56.2305% | 4,147 |
Assets per employee ($millions) | 6.8885% | 1,070 |
Cash dividends to net income (ytd only)* | 7.7713% | 3,410 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7480% | 4,551 |
Loan loss allowance to noncurrent loans | 137.3913% | 2,775 |
Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,440 |
Noncurrent loans to loans | 0.5444% | 2,664 |
Net loans and leases to total assets | 50.7236% | 4,385 |
Net loans and leases to deposits | 56.7878% | 4,523 |
Net loans and leases to core deposits | 60.4715% | 4,519 |
Total domestic deposits to total assets | 89.3212% | 516 |
Equity capital to assets | 10.5333% | 3,515 |
Core capital (leverage) ratio | 10.1198% | 3,508 |
Tier 1 risk-based capital ratio | 22.1440% | 1,048 |
Total risk-based capital ratio | 22.9721% | 1,082 |
Memoranda: | ||
Average total assets | $324,951,000 | 2,018 |
Average earning assets | $311,881,750 | 1,960 |
Average equity | $32,520,750 | 2,280 |
Average total loans | $166,705,250 | 2,467 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7595% | 4,760 |
Cost of funding earning assets | 0.7124% | 3,098 |
Net interest margin | 3.0471% | 4,610 |
Noninterest income to average assets | 0.2563% | 4,218 |
Noninterest expense to average assets | 1.7972% | 4,879 |
Loan and lease loss provision to assets | 0.0402% | 3,008 |
Net operating income to assets | 1.0802% | 2,600 |
Return on assets (ROA) | 1.0797% | 2,674 |
Pretax return on assets | 1.3391% | 2,417 |
Return on Equity (ROE) | 10.9852% | 1,979 |
Retained earnings to average equity (ytd only) | 9.7003% | 843 |
Net charge-offs to loans | 0.0241% | 2,367 |
Credit loss provision to net charge-offs | 325.0000% | 848 |
Earnings coverage of net charge-offs (x) | 111.4500% | 645 |
Efficiency ratio | 56.3913% | 4,204 |
Assets per employee ($millions) | 6.8883% | 1,055 |
Cash dividends to net income (ytd only)* | 11.6972% | 3,246 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7329% | 4,642 |
Loan loss allowance to noncurrent loans | 140.6857% | 2,752 |
Noncurrent assets plus other real estate owned to assets | 0.2737% | 3,465 |
Noncurrent loans to loans | 0.5209% | 2,718 |
Net loans and leases to total assets | 50.4299% | 4,448 |
Net loans and leases to deposits | 56.2510% | 4,583 |
Net loans and leases to core deposits | 60.0148% | 4,571 |
Total domestic deposits to total assets | 89.6516% | 428 |
Equity capital to assets | 10.2323% | 3,767 |
Core capital (leverage) ratio | 10.1517% | 3,441 |
Tier 1 risk-based capital ratio | 21.8054% | 1,077 |
Total risk-based capital ratio | 22.6208% | 1,114 |
Memoranda: | ||
Average total assets | $323,052,330 | 2,033 |
Average earning assets | $309,672,000 | 1,983 |
Average equity | $31,751,670 | 2,323 |
Average total loans | $165,947,000 | 2,483 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7415% | 4,793 |
Cost of funding earning assets | 0.6824% | 3,140 |
Net interest margin | 3.0591% | 4,654 |
Noninterest income to average assets | 0.2794% | 4,012 |
Noninterest expense to average assets | 1.8468% | 4,866 |
Loan and lease loss provision to assets | 0.0501% | 2,653 |
Net operating income to assets | 1.0562% | 2,640 |
Return on assets (ROA) | 1.0562% | 2,682 |
Pretax return on assets | 1.3143% | 2,394 |
Return on Equity (ROE) | 10.9796% | 1,954 |
Retained earnings to average equity (ytd only) | 10.9796% | 806 |
Net charge-offs to loans | 0.0073% | 2,435 |
Credit loss provision to net charge-offs | 1,333.3333% | 287 |
Earnings coverage of net charge-offs (x) | 363.0000% | 220 |
Efficiency ratio | 57.1596% | 4,194 |
Assets per employee ($millions) | 6.6808% | 1,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7345% | 4,706 |
Loan loss allowance to noncurrent loans | 117.9364% | 3,095 |
Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,241 |
Noncurrent loans to loans | 0.6228% | 2,458 |
Net loans and leases to total assets | 51.5395% | 4,373 |
Net loans and leases to deposits | 57.2882% | 4,535 |
Net loans and leases to core deposits | 60.7770% | 4,540 |
Total domestic deposits to total assets | 89.9654% | 459 |
Equity capital to assets | 9.9470% | 3,876 |
Core capital (leverage) ratio | 10.1290% | 3,453 |
Tier 1 risk-based capital ratio | 21.4615% | 1,114 |
Total risk-based capital ratio | 22.2761% | 1,141 |
Memoranda: | ||
Average total assets | $319,259,000 | 2,064 |
Average earning assets | $305,969,500 | 2,019 |
Average equity | $30,711,500 | 2,369 |
Average total loans | $164,934,500 | 2,512 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5586% | 4,850 |
Cost of funding earning assets | 0.5309% | 3,172 |
Net interest margin | 3.0277% | 4,767 |
Noninterest income to average assets | 0.2100% | 4,658 |
Noninterest expense to average assets | 1.7916% | 5,008 |
Loan and lease loss provision to assets | 0.0081% | 3,964 |
Net operating income to assets | 1.0747% | 2,698 |
Return on assets (ROA) | 1.0747% | 2,687 |
Pretax return on assets | 1.3070% | 2,469 |
Return on Equity (ROE) | 11.4063% | 1,933 |
Retained earnings to average equity (ytd only) | 7.2002% | 1,579 |
Net charge-offs to loans | 0.1564% | 1,230 |
Credit loss provision to net charge-offs | 10.3306% | 3,429 |
Earnings coverage of net charge-offs (x) | 16.7975% | 2,225 |
Efficiency ratio | 57.0759% | 4,274 |
Assets per employee ($millions) | 6.6216% | 1,157 |
Cash dividends to net income (ytd only)* | 36.8754% | 2,694 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7260% | 4,743 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0308% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 51.0269% | 4,451 |
Net loans and leases to deposits | 56.3061% | 4,650 |
Net loans and leases to core deposits | 59.7949% | 4,638 |
Total domestic deposits to total assets | 90.6242% | 290 |
Equity capital to assets | 9.2893% | 4,329 |
Core capital (leverage) ratio | 9.9655% | 3,622 |
Tier 1 risk-based capital ratio | 20.6540% | 1,201 |
Total risk-based capital ratio | 21.4349% | 1,255 |
Memoranda: | ||
Average total assets | $309,114,400 | 2,096 |
Average earning assets | $295,731,600 | 2,042 |
Average equity | $29,124,200 | 2,389 |
Average total loans | $154,769,400 | 2,588 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4874% | 4,939 |
Cost of funding earning assets | 0.4890% | 3,265 |
Net interest margin | 2.9984% | 4,847 |
Noninterest income to average assets | 0.2402% | 4,535 |
Noninterest expense to average assets | 1.7762% | 5,060 |
Loan and lease loss provision to assets | 0.0174% | 3,666 |
Net operating income to assets | 1.0708% | 2,777 |
Return on assets (ROA) | 1.0708% | 2,788 |
Pretax return on assets | 1.3153% | 2,557 |
Return on Equity (ROE) | 11.3237% | 2,043 |
Retained earnings to average equity (ytd only) | 10.3865% | 798 |
Net charge-offs to loans | 0.2053% | 824 |
Credit loss provision to net charge-offs | 17.0213% | 3,033 |
Earnings coverage of net charge-offs (x) | 13.0551% | 2,398 |
Efficiency ratio | 56.5321% | 4,310 |
Assets per employee ($millions) | 6.5369% | 1,167 |
Cash dividends to net income (ytd only)* | 8.2758% | 3,441 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7721% | 4,705 |
Loan loss allowance to noncurrent loans | 13,422.2222% | 63 |
Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,593 |
Noncurrent loans to loans | 0.0058% | 4,909 |
Net loans and leases to total assets | 49.4805% | 4,635 |
Net loans and leases to deposits | 54.4660% | 4,807 |
Net loans and leases to core deposits | 57.6772% | 4,798 |
Total domestic deposits to total assets | 90.8465% | 256 |
Equity capital to assets | 9.0483% | 4,508 |
Core capital (leverage) ratio | 10.1528% | 3,467 |
Tier 1 risk-based capital ratio | 21.4923% | 1,118 |
Total risk-based capital ratio | 22.3160% | 1,153 |
Memoranda: | ||
Average total assets | $306,933,500 | 2,119 |
Average earning assets | $293,655,750 | 2,069 |
Average equity | $29,024,000 | 2,402 |
Average total loans | $152,619,500 | 2,623 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4364% | 4,990 |
Cost of funding earning assets | 0.4570% | 3,306 |
Net interest margin | 2.9794% | 4,906 |
Noninterest income to average assets | 0.2482% | 4,522 |
Noninterest expense to average assets | 1.7889% | 5,112 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.0707% | 2,710 |
Return on assets (ROA) | 1.0707% | 2,713 |
Pretax return on assets | 1.3097% | 2,471 |
Return on Equity (ROE) | 11.1579% | 2,046 |
Retained earnings to average equity (ytd only) | 9.7623% | 992 |
Net charge-offs to loans | 0.1414% | 1,071 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 18.6449% | 1,893 |
Efficiency ratio | 57.1398% | 4,342 |
Assets per employee ($millions) | 6.4120% | 1,214 |
Cash dividends to net income (ytd only)* | 12.5077% | 3,235 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8356% | 4,587 |
Loan loss allowance to noncurrent loans | 753.4884% | 778 |
Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,412 |
Noncurrent loans to loans | 0.1109% | 4,412 |
Net loans and leases to total assets | 49.9706% | 4,609 |
Net loans and leases to deposits | 55.0565% | 4,798 |
Net loans and leases to core deposits | 58.3050% | 4,779 |
Total domestic deposits to total assets | 90.7624% | 312 |
Equity capital to assets | 9.1632% | 4,420 |
Core capital (leverage) ratio | 10.0629% | 3,515 |
Tier 1 risk-based capital ratio | 20.8856% | 1,200 |
Total risk-based capital ratio | 21.7681% | 1,223 |
Memoranda: | ||
Average total assets | $304,654,000 | 2,142 |
Average earning assets | $291,472,000 | 2,092 |
Average equity | $29,235,000 | 2,397 |
Average total loans | $151,338,000 | 2,652 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3748% | 5,049 |
Cost of funding earning assets | 0.4236% | 3,413 |
Net interest margin | 2.9512% | 4,956 |
Noninterest income to average assets | 0.2521% | 4,497 |
Noninterest expense to average assets | 1.8001% | 5,148 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.0439% | 2,674 |
Return on assets (ROA) | 1.0439% | 2,692 |
Pretax return on assets | 1.2749% | 2,459 |
Return on Equity (ROE) | 10.6348% | 2,111 |
Retained earnings to average equity (ytd only) | 10.6348% | 982 |
Net charge-offs to loans | -0.0054% | 4,032 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.9399% | 4,348 |
Assets per employee ($millions) | 6.4862% | 1,210 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9311% | 4,298 |
Loan loss allowance to noncurrent loans | 653.4884% | 862 |
Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,529 |
Noncurrent loans to loans | 0.1425% | 4,329 |
Net loans and leases to total assets | 49.0381% | 4,626 |
Net loans and leases to deposits | 53.9890% | 4,796 |
Net loans and leases to core deposits | 56.9766% | 4,798 |
Total domestic deposits to total assets | 90.8297% | 373 |
Equity capital to assets | 9.1116% | 4,446 |
Core capital (leverage) ratio | 9.9643% | 3,574 |
Tier 1 risk-based capital ratio | 21.1405% | 1,183 |
Total risk-based capital ratio | 22.1298% | 1,192 |
Memoranda: | ||
Average total assets | $303,093,500 | 2,172 |
Average earning assets | $289,912,500 | 2,119 |
Average equity | $29,751,500 | 2,387 |
Average total loans | $149,460,500 | 2,695 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3877% | 4,959 |
Cost of funding earning assets | 0.3672% | 3,546 |
Net interest margin | 3.0205% | 4,841 |
Noninterest income to average assets | 0.2398% | 4,698 |
Noninterest expense to average assets | 1.8008% | 5,240 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.9403% | 2,492 |
Return on assets (ROA) | 0.9241% | 2,601 |
Pretax return on assets | 1.3122% | 2,302 |
Return on Equity (ROE) | 8.4469% | 2,585 |
Retained earnings to average equity (ytd only) | 5.4144% | 1,862 |
Net charge-offs to loans | -0.0679% | 5,265 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.7934% | 4,684 |
Assets per employee ($millions) | 6.4114% | 1,257 |
Cash dividends to net income (ytd only)* | 35.9013% | 3,034 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9478% | 4,223 |
Loan loss allowance to noncurrent loans | 815.6977% | 747 |
Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,629 |
Noncurrent loans to loans | 0.1162% | 4,461 |
Net loans and leases to total assets | 48.6566% | 4,725 |
Net loans and leases to deposits | 54.4241% | 4,875 |
Net loans and leases to core deposits | 57.6766% | 4,864 |
Total domestic deposits to total assets | 89.4028% | 818 |
Equity capital to assets | 10.5285% | 3,137 |
Core capital (leverage) ratio | 10.6739% | 2,673 |
Tier 1 risk-based capital ratio | 23.1752% | 889 |
Total risk-based capital ratio | 24.1849% | 903 |
Memoranda: | ||
Average total assets | $289,370,200 | 2,223 |
Average earning assets | $277,470,800 | 2,173 |
Average equity | $31,656,400 | 2,243 |
Average total loans | $142,910,400 | 2,738 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3594% | 5,023 |
Cost of funding earning assets | 0.3499% | 3,667 |
Net interest margin | 3.0096% | 4,893 |
Noninterest income to average assets | 0.2407% | 4,763 |
Noninterest expense to average assets | 1.7999% | 5,275 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.9353% | 2,850 |
Return on assets (ROA) | 0.9428% | 2,880 |
Pretax return on assets | 1.3390% | 2,332 |
Return on Equity (ROE) | 8.5336% | 2,851 |
Retained earnings to average equity (ytd only) | 7.5222% | 1,421 |
Net charge-offs to loans | -0.0894% | 5,345 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.8983% | 4,624 |
Assets per employee ($millions) | 6.4823% | 1,197 |
Cash dividends to net income (ytd only)* | 11.8518% | 3,415 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9506% | 4,320 |
Loan loss allowance to noncurrent loans | 23,350.0000% | 42 |
Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,004 |
Noncurrent loans to loans | 0.0041% | 5,132 |
Net loans and leases to total assets | 48.9540% | 4,771 |
Net loans and leases to deposits | 55.0802% | 4,916 |
Net loans and leases to core deposits | 59.3400% | 4,848 |
Total domestic deposits to total assets | 88.8777% | 938 |
Equity capital to assets | 11.0059% | 2,854 |
Core capital (leverage) ratio | 10.9607% | 2,496 |
Tier 1 risk-based capital ratio | 23.7203% | 875 |
Total risk-based capital ratio | 24.7504% | 883 |
Memoranda: | ||
Average total assets | $286,379,250 | 2,262 |
Average earning assets | $274,761,750 | 2,201 |
Average equity | $31,639,000 | 2,256 |
Average total loans | $141,632,500 | 2,780 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3374% | 5,048 |
Cost of funding earning assets | 0.3235% | 3,856 |
Net interest margin | 3.0139% | 4,878 |
Noninterest income to average assets | 0.2478% | 4,758 |
Noninterest expense to average assets | 1.8064% | 5,304 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.9577% | 2,621 |
Return on assets (ROA) | 0.9694% | 2,618 |
Pretax return on assets | 1.3475% | 2,220 |
Return on Equity (ROE) | 8.7627% | 2,623 |
Retained earnings to average equity (ytd only) | 7.2265% | 1,484 |
Net charge-offs to loans | 0.0344% | 2,502 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 78.3333% | 782 |
Efficiency ratio | 56.9397% | 4,718 |
Assets per employee ($millions) | 6.2665% | 1,275 |
Cash dividends to net income (ytd only)* | 17.5310% | 3,202 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8918% | 4,672 |
Loan loss allowance to noncurrent loans | 21,366.6667% | 41 |
Noncurrent assets plus other real estate owned to assets | 0.0462% | 5,049 |
Noncurrent loans to loans | 0.0042% | 5,181 |
Net loans and leases to total assets | 48.3731% | 4,799 |
Net loans and leases to deposits | 54.4256% | 4,939 |
Net loans and leases to core deposits | 58.6824% | 4,891 |
Total domestic deposits to total assets | 88.8794% | 1,017 |
Equity capital to assets | 10.9936% | 2,812 |
Core capital (leverage) ratio | 11.0224% | 2,384 |
Tier 1 risk-based capital ratio | 23.5350% | 896 |
Total risk-based capital ratio | 24.4901% | 910 |
Memoranda: | ||
Average total assets | $282,443,670 | 2,293 |
Average earning assets | $270,811,000 | 2,231 |
Average equity | $31,246,000 | 2,271 |
Average total loans | $139,718,330 | 2,812 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3021% | 5,096 |
Cost of funding earning assets | 0.3174% | 3,880 |
Net interest margin | 2.9848% | 4,920 |
Noninterest income to average assets | 0.2605% | 4,671 |
Noninterest expense to average assets | 1.7945% | 5,385 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.9529% | 2,514 |
Return on assets (ROA) | 0.9768% | 2,461 |
Pretax return on assets | 1.3574% | 2,038 |
Return on Equity (ROE) | 8.8007% | 2,513 |
Retained earnings to average equity (ytd only) | 8.8007% | 1,144 |
Net charge-offs to loans | -0.0174% | 4,670 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.8910% | 4,848 |
Assets per employee ($millions) | 6.2434% | 1,333 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9468% | 4,571 |
Loan loss allowance to noncurrent loans | 1,041.2698% | 587 |
Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,859 |
Noncurrent loans to loans | 0.0909% | 4,830 |
Net loans and leases to total assets | 48.8553% | 4,758 |
Net loans and leases to deposits | 55.0315% | 4,878 |
Net loans and leases to core deposits | 58.9304% | 4,831 |
Total domestic deposits to total assets | 88.7771% | 1,271 |
Equity capital to assets | 11.1062% | 2,528 |
Core capital (leverage) ratio | 11.3157% | 2,095 |
Tier 1 risk-based capital ratio | 24.2972% | 839 |
Total risk-based capital ratio | 25.3214% | 845 |
Memoranda: | ||
Average total assets | $276,403,000 | 2,356 |
Average earning assets | $264,678,000 | 2,286 |
Average equity | $30,679,500 | 2,319 |
Average total loans | $137,701,000 | 2,852 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4351% | 4,913 |
Cost of funding earning assets | 0.3362% | 3,679 |
Net interest margin | 3.0989% | 4,730 |
Noninterest income to average assets | 0.2315% | 5,025 |
Noninterest expense to average assets | 1.8190% | 5,459 |
Loan and lease loss provision to assets | 0.0183% | 4,011 |
Net operating income to assets | 1.0021% | 2,348 |
Return on assets (ROA) | 1.0081% | 2,420 |
Pretax return on assets | 1.3703% | 2,041 |
Return on Equity (ROE) | 8.8776% | 2,482 |
Retained earnings to average equity (ytd only) | 5.7908% | 1,829 |
Net charge-offs to loans | 0.0209% | 3,630 |
Credit loss provision to net charge-offs | 178.5714% | 1,566 |
Earnings coverage of net charge-offs (x) | 135.0357% | 464 |
Efficiency ratio | 56.2022% | 5,049 |
Assets per employee ($millions) | 6.3222% | 1,245 |
Cash dividends to net income (ytd only)* | 34.7700% | 3,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9545% | 4,552 |
Loan loss allowance to noncurrent loans | 468.1004% | 1,117 |
Noncurrent assets plus other real estate owned to assets | 0.1674% | 4,650 |
Noncurrent loans to loans | 0.2039% | 4,427 |
Net loans and leases to total assets | 49.8518% | 4,773 |
Net loans and leases to deposits | 56.1062% | 4,909 |
Net loans and leases to core deposits | 60.2192% | 4,853 |
Total domestic deposits to total assets | 88.8525% | 1,178 |
Equity capital to assets | 11.0927% | 2,547 |
Core capital (leverage) ratio | 10.7793% | 2,552 |
Tier 1 risk-based capital ratio | 23.9740% | 869 |
Total risk-based capital ratio | 25.0028% | 879 |
Memoranda: | ||
Average total assets | $273,891,400 | 2,331 |
Average earning assets | $262,318,000 | 2,264 |
Average equity | $31,100,800 | 2,284 |
Average total loans | $133,838,200 | 2,866 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4219% | 4,981 |
Cost of funding earning assets | 0.3382% | 3,672 |
Net interest margin | 3.0837% | 4,815 |
Noninterest income to average assets | 0.2323% | 5,082 |
Noninterest expense to average assets | 1.8177% | 5,499 |
Loan and lease loss provision to assets | 0.0243% | 3,762 |
Net operating income to assets | 0.9630% | 2,603 |
Return on assets (ROA) | 0.9630% | 2,740 |
Pretax return on assets | 1.3454% | 2,252 |
Return on Equity (ROE) | 8.4328% | 2,793 |
Retained earnings to average equity (ytd only) | 7.9223% | 1,206 |
Net charge-offs to loans | 0.0180% | 3,359 |
Credit loss provision to net charge-offs | 277.7778% | 1,101 |
Earnings coverage of net charge-offs (x) | 156.6071% | 448 |
Efficiency ratio | 56.3720% | 5,021 |
Assets per employee ($millions) | 6.3816% | 1,188 |
Cash dividends to net income (ytd only)* | 6.0546% | 3,650 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9723% | 4,546 |
Loan loss allowance to noncurrent loans | 769.5906% | 740 |
Noncurrent assets plus other real estate owned to assets | 0.1385% | 4,882 |
Noncurrent loans to loans | 0.1263% | 4,835 |
Net loans and leases to total assets | 47.7346% | 4,979 |
Net loans and leases to deposits | 54.2619% | 5,094 |
Net loans and leases to core deposits | 58.6725% | 5,015 |
Total domestic deposits to total assets | 87.9708% | 1,417 |
Equity capital to assets | 11.5986% | 2,432 |
Core capital (leverage) ratio | 10.8099% | 2,675 |
Tier 1 risk-based capital ratio | 24.1709% | 890 |
Total risk-based capital ratio | 25.2145% | 886 |
Memoranda: | ||
Average total assets | $274,400,750 | 2,331 |
Average earning assets | $262,967,000 | 2,276 |
Average equity | $31,337,000 | 2,279 |
Average total loans | $133,090,250 | 2,885 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4052% | 5,070 |
Cost of funding earning assets | 0.3430% | 3,640 |
Net interest margin | 3.0622% | 4,941 |
Noninterest income to average assets | 0.2307% | 5,105 |
Noninterest expense to average assets | 1.8291% | 5,561 |
Loan and lease loss provision to assets | 0.0294% | 3,544 |
Net operating income to assets | 0.9314% | 2,720 |
Return on assets (ROA) | 0.9314% | 2,856 |
Pretax return on assets | 1.3039% | 2,391 |
Return on Equity (ROE) | 8.2000% | 2,886 |
Retained earnings to average equity (ytd only) | 7.4240% | 1,423 |
Net charge-offs to loans | -0.0060% | 4,575 |
Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1893% | 5,002 |
Assets per employee ($millions) | 5.8891% | 1,488 |
Cash dividends to net income (ytd only)* | 9.4637% | 3,475 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9858% | 4,591 |
Loan loss allowance to noncurrent loans | 1,037.5000% | 565 |
Noncurrent assets plus other real estate owned to assets | 0.1304% | 4,987 |
Noncurrent loans to loans | 0.0950% | 5,071 |
Net loans and leases to total assets | 48.1896% | 4,977 |
Net loans and leases to deposits | 54.8310% | 5,088 |
Net loans and leases to core deposits | 59.8754% | 4,988 |
Total domestic deposits to total assets | 87.8874% | 1,488 |
Equity capital to assets | 11.6064% | 2,436 |
Core capital (leverage) ratio | 10.8508% | 2,592 |
Tier 1 risk-based capital ratio | 23.4244% | 971 |
Total risk-based capital ratio | 24.4700% | 972 |
Memoranda: | ||
Average total assets | $272,270,330 | 2,360 |
Average earning assets | $260,663,670 | 2,293 |
Average equity | $30,926,670 | 2,314 |
Average total loans | $132,336,670 | 2,898 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4042% | 5,117 |
Cost of funding earning assets | 0.3564% | 3,540 |
Net interest margin | 3.0478% | 5,006 |
Noninterest income to average assets | 0.2326% | 5,076 |
Noninterest expense to average assets | 1.8503% | 5,590 |
Loan and lease loss provision to assets | 0.0370% | 3,169 |
Net operating income to assets | 0.9007% | 2,749 |
Return on assets (ROA) | 0.9007% | 2,880 |
Pretax return on assets | 1.2592% | 2,474 |
Return on Equity (ROE) | 8.0191% | 2,900 |
Retained earnings to average equity (ytd only) | 8.0191% | 1,448 |
Net charge-offs to loans | -0.0091% | 4,487 |
Credit loss provision to net charge-offs | -833.3333% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.1450% | 4,981 |
Assets per employee ($millions) | 5.7493% | 1,625 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9921% | 4,651 |
Loan loss allowance to noncurrent loans | 728.8889% | 749 |
Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,906 |
Noncurrent loans to loans | 0.1361% | 4,932 |
Net loans and leases to total assets | 48.4570% | 4,929 |
Net loans and leases to deposits | 54.9497% | 5,041 |
Net loans and leases to core deposits | 60.2514% | 4,923 |
Total domestic deposits to total assets | 88.1843% | 1,539 |
Equity capital to assets | 11.4508% | 2,482 |
Core capital (leverage) ratio | 10.8604% | 2,556 |
Tier 1 risk-based capital ratio | 23.4860% | 966 |
Total risk-based capital ratio | 24.5413% | 976 |
Memoranda: | ||
Average total assets | $270,012,500 | 2,382 |
Average earning assets | $258,154,000 | 2,324 |
Average equity | $30,327,500 | 2,350 |
Average total loans | $131,150,000 | 2,915 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4382% | 5,077 |
Cost of funding earning assets | 0.4355% | 2,780 |
Net interest margin | 3.0027% | 5,133 |
Noninterest income to average assets | 0.2152% | 5,307 |
Noninterest expense to average assets | 1.8644% | 5,661 |
Loan and lease loss provision to assets | -0.0225% | 5,671 |
Net operating income to assets | 0.8936% | 2,907 |
Return on assets (ROA) | 0.9024% | 2,936 |
Pretax return on assets | 1.2535% | 2,459 |
Return on Equity (ROE) | 8.1419% | 2,880 |
Retained earnings to average equity (ytd only) | 6.9025% | 1,321 |
Net charge-offs to loans | -0.0101% | 5,114 |
Credit loss provision to net charge-offs | 491.6667% | 645 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.7649% | 4,936 |
Assets per employee ($millions) | 5.7406% | 1,584 |
Cash dividends to net income (ytd only)* | 15.2220% | 3,935 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9873% | 4,687 |
Loan loss allowance to noncurrent loans | 4,427.5862% | 189 |
Noncurrent assets plus other real estate owned to assets | 0.1101% | 5,154 |
Noncurrent loans to loans | 0.0223% | 5,427 |
Net loans and leases to total assets | 47.7247% | 5,039 |
Net loans and leases to deposits | 53.7773% | 5,177 |
Net loans and leases to core deposits | 59.3666% | 5,024 |
Total domestic deposits to total assets | 88.7450% | 1,259 |
Equity capital to assets | 11.0126% | 2,810 |
Core capital (leverage) ratio | 10.6635% | 2,752 |
Tier 1 risk-based capital ratio | 22.9418% | 1,019 |
Total risk-based capital ratio | 23.9726% | 1,035 |
Memoranda: | ||
Average total assets | $262,074,200 | 2,407 |
Average earning assets | $250,304,200 | 2,337 |
Average equity | $29,047,400 | 2,392 |
Average total loans | $118,954,000 | 3,066 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4156% | 5,173 |
Cost of funding earning assets | 0.4568% | 2,622 |
Net interest margin | 2.9588% | 5,288 |
Noninterest income to average assets | 0.2076% | 5,404 |
Noninterest expense to average assets | 1.8630% | 5,694 |
Loan and lease loss provision to assets | -0.0354% | 5,882 |
Net operating income to assets | 0.8747% | 3,067 |
Return on assets (ROA) | 0.8867% | 3,098 |
Pretax return on assets | 1.2214% | 2,727 |
Return on Equity (ROE) | 7.9866% | 3,072 |
Retained earnings to average equity (ytd only) | 7.4326% | 1,485 |
Net charge-offs to loans | -0.0172% | 5,149 |
Credit loss provision to net charge-offs | 460.0000% | 690 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.7064% | 4,789 |
Assets per employee ($millions) | 5.7737% | 1,530 |
Cash dividends to net income (ytd only)* | 6.9366% | 3,656 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0233% | 4,625 |
Loan loss allowance to noncurrent loans | 5,108.0000% | 156 |
Noncurrent assets plus other real estate owned to assets | 0.1491% | 5,167 |
Noncurrent loans to loans | 0.0200% | 5,556 |
Net loans and leases to total assets | 46.5057% | 5,195 |
Net loans and leases to deposits | 52.5968% | 5,334 |
Net loans and leases to core deposits | 58.3847% | 5,165 |
Total domestic deposits to total assets | 88.4193% | 1,324 |
Equity capital to assets | 11.2459% | 2,752 |
Core capital (leverage) ratio | 10.7642% | 2,753 |
Tier 1 risk-based capital ratio | 23.1652% | 1,033 |
Total risk-based capital ratio | 24.2154% | 1,043 |
Memoranda: | ||
Average total assets | $260,140,750 | 2,443 |
Average earning assets | $248,386,750 | 2,372 |
Average equity | $28,881,000 | 2,416 |
Average total loans | $116,180,250 | 3,132 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4094% | 5,210 |
Cost of funding earning assets | 0.4866% | 2,378 |
Net interest margin | 2.9228% | 5,401 |
Noninterest income to average assets | 0.2516% | 5,149 |
Noninterest expense to average assets | 1.8883% | 5,731 |
Loan and lease loss provision to assets | 0.0155% | 3,812 |
Net operating income to assets | 0.8289% | 3,220 |
Return on assets (ROA) | 0.8470% | 3,244 |
Pretax return on assets | 1.1629% | 2,928 |
Return on Equity (ROE) | 7.6632% | 3,226 |
Retained earnings to average equity (ytd only) | 6.8226% | 1,784 |
Net charge-offs to loans | -0.0229% | 5,216 |
Credit loss provision to net charge-offs | -153.8462% | 4,977 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.3642% | 4,779 |
Assets per employee ($millions) | 5.4599% | 1,776 |
Cash dividends to net income (ytd only)* | 10.9689% | 3,436 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1419% | 4,128 |
Loan loss allowance to noncurrent loans | 1,108.9431% | 519 |
Noncurrent assets plus other real estate owned to assets | 0.2603% | 4,824 |
Noncurrent loans to loans | 0.1030% | 5,335 |
Net loans and leases to total assets | 46.0148% | 5,243 |
Net loans and leases to deposits | 51.9638% | 5,383 |
Net loans and leases to core deposits | 58.2903% | 5,177 |
Total domestic deposits to total assets | 88.5517% | 1,386 |
Equity capital to assets | 11.1782% | 2,688 |
Core capital (leverage) ratio | 10.5916% | 2,855 |
Tier 1 risk-based capital ratio | 23.3153% | 1,035 |
Total risk-based capital ratio | 24.4711% | 1,034 |
Memoranda: | ||
Average total assets | $258,324,670 | 2,472 |
Average earning assets | $246,609,000 | 2,403 |
Average equity | $28,552,000 | 2,450 |
Average total loans | $113,310,000 | 3,194 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3159% | 5,411 |
Cost of funding earning assets | 0.4975% | 2,306 |
Net interest margin | 2.8184% | 5,606 |
Noninterest income to average assets | 0.2531% | 5,149 |
Noninterest expense to average assets | 1.8937% | 5,767 |
Loan and lease loss provision to assets | 0.0309% | 3,276 |
Net operating income to assets | 0.7470% | 3,557 |
Return on assets (ROA) | 0.7470% | 3,687 |
Pretax return on assets | 1.0217% | 3,415 |
Return on Equity (ROE) | 6.7964% | 3,612 |
Retained earnings to average equity (ytd only) | 6.7964% | 2,101 |
Net charge-offs to loans | -0.0363% | 5,359 |
Credit loss provision to net charge-offs | -200.0000% | 4,607 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.5411% | 4,550 |
Assets per employee ($millions) | 5.6160% | 1,698 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2088% | 3,926 |
Loan loss allowance to noncurrent loans | 421.3622% | 1,156 |
Noncurrent assets plus other real estate owned to assets | 0.3288% | 4,672 |
Noncurrent loans to loans | 0.2869% | 4,745 |
Net loans and leases to total assets | 42.1402% | 5,471 |
Net loans and leases to deposits | 47.6115% | 5,583 |
Net loans and leases to core deposits | 53.2145% | 5,410 |
Total domestic deposits to total assets | 88.5085% | 1,542 |
Equity capital to assets | 11.0645% | 2,904 |
Core capital (leverage) ratio | 10.4422% | 3,041 |
Tier 1 risk-based capital ratio | 23.5890% | 1,040 |
Total risk-based capital ratio | 24.7775% | 1,025 |
Memoranda: | ||
Average total assets | $259,179,500 | 2,476 |
Average earning assets | $247,655,500 | 2,401 |
Average equity | $28,485,500 | 2,465 |
Average total loans | $110,242,500 | 3,257 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3381% | 5,643 |
Cost of funding earning assets | 0.6092% | 1,686 |
Net interest margin | 2.7289% | 5,899 |
Noninterest income to average assets | 0.2385% | 5,425 |
Noninterest expense to average assets | 1.8450% | 6,011 |
Loan and lease loss provision to assets | 0.0174% | 4,263 |
Net operating income to assets | 0.7561% | 3,594 |
Return on assets (ROA) | 0.7570% | 3,692 |
Pretax return on assets | 0.9875% | 3,550 |
Return on Equity (ROE) | 7.0997% | 3,573 |
Retained earnings to average equity (ytd only) | 5.7373% | 2,111 |
Net charge-offs to loans | 0.0102% | 4,702 |
Credit loss provision to net charge-offs | 430.0000% | 603 |
Earnings coverage of net charge-offs (x) | 248.7000% | 218 |
Efficiency ratio | 63.9609% | 4,589 |
Assets per employee ($millions) | 5.4129% | 1,847 |
Cash dividends to net income (ytd only)* | 19.1898% | 3,847 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2336% | 3,800 |
Loan loss allowance to noncurrent loans | 377.0538% | 1,345 |
Noncurrent assets plus other real estate owned to assets | 0.3569% | 4,632 |
Noncurrent loans to loans | 0.3272% | 4,665 |
Net loans and leases to total assets | 41.8868% | 5,627 |
Net loans and leases to deposits | 47.1295% | 5,737 |
Net loans and leases to core deposits | 53.6501% | 5,519 |
Total domestic deposits to total assets | 88.8761% | 1,304 |
Equity capital to assets | 10.9140% | 2,989 |
Core capital (leverage) ratio | 10.3117% | 3,152 |
Tier 1 risk-based capital ratio | 25.3366% | 808 |
Total risk-based capital ratio | 26.5865% | 798 |
Memoranda: | ||
Average total assets | $247,805,200 | 2,548 |
Average earning assets | $237,022,200 | 2,446 |
Average equity | $26,423,600 | 2,532 |
Average total loans | $97,827,400 | 3,469 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2978% | 5,775 |
Cost of funding earning assets | 0.6261% | 1,632 |
Net interest margin | 2.6718% | 6,040 |
Noninterest income to average assets | 0.2784% | 5,211 |
Noninterest expense to average assets | 1.8394% | 6,039 |
Loan and lease loss provision to assets | 0.0179% | 4,051 |
Net operating income to assets | 0.7268% | 3,804 |
Return on assets (ROA) | 0.7280% | 3,897 |
Pretax return on assets | 0.9793% | 3,681 |
Return on Equity (ROE) | 6.8689% | 3,776 |
Retained earnings to average equity (ytd only) | 6.2556% | 2,246 |
Net charge-offs to loans | -0.0056% | 5,317 |
Credit loss provision to net charge-offs | -825.0000% | 5,838 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.0619% | 4,529 |
Assets per employee ($millions) | 5.3184% | 1,889 |
Cash dividends to net income (ytd only)* | 8.9288% | 3,597 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2757% | 3,774 |
Loan loss allowance to noncurrent loans | 272.8016% | 1,666 |
Noncurrent assets plus other real estate owned to assets | 0.4481% | 4,557 |
Noncurrent loans to loans | 0.4676% | 4,506 |
Net loans and leases to total assets | 40.4392% | 5,789 |
Net loans and leases to deposits | 45.3923% | 5,911 |
Net loans and leases to core deposits | 51.7471% | 5,699 |
Total domestic deposits to total assets | 89.0881% | 1,187 |
Equity capital to assets | 10.6807% | 3,330 |
Core capital (leverage) ratio | 10.3505% | 3,212 |
Tier 1 risk-based capital ratio | 25.4684% | 836 |
Total risk-based capital ratio | 26.7190% | 825 |
Memoranda: | ||
Average total assets | $246,154,750 | 2,573 |
Average earning assets | $235,544,250 | 2,485 |
Average equity | $26,088,000 | 2,568 |
Average total loans | $95,310,750 | 3,553 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2930% | 5,803 |
Cost of funding earning assets | 0.6410% | 1,581 |
Net interest margin | 2.6519% | 6,113 |
Noninterest income to average assets | 0.2772% | 5,212 |
Noninterest expense to average assets | 1.8362% | 6,093 |
Loan and lease loss provision to assets | 0.0025% | 4,165 |
Net operating income to assets | 0.7328% | 3,660 |
Return on assets (ROA) | 0.7346% | 3,742 |
Pretax return on assets | 0.9765% | 3,579 |
Return on Equity (ROE) | 6.9507% | 3,647 |
Retained earnings to average equity (ytd only) | 6.0167% | 2,314 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4633% | 4,621 |
Assets per employee ($millions) | 5.3361% | 1,840 |
Cash dividends to net income (ytd only)* | 13.4378% | 3,368 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3401% | 3,643 |
Loan loss allowance to noncurrent loans | 312.7404% | 1,458 |
Noncurrent assets plus other real estate owned to assets | 0.4944% | 4,527 |
Noncurrent loans to loans | 0.4285% | 4,705 |
Net loans and leases to total assets | 38.1906% | 5,946 |
Net loans and leases to deposits | 42.9153% | 6,034 |
Net loans and leases to core deposits | 49.1107% | 5,844 |
Total domestic deposits to total assets | 88.9907% | 1,361 |
Equity capital to assets | 10.7178% | 3,183 |
Core capital (leverage) ratio | 10.4665% | 2,983 |
Tier 1 risk-based capital ratio | 26.6091% | 726 |
Total risk-based capital ratio | 27.8598% | 713 |
Memoranda: | ||
Average total assets | $243,112,330 | 2,607 |
Average earning assets | $232,435,670 | 2,525 |
Average equity | $25,695,330 | 2,592 |
Average total loans | $92,225,000 | 3,631 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2442% | 5,940 |
Cost of funding earning assets | 0.6593% | 1,520 |
Net interest margin | 2.5849% | 6,257 |
Noninterest income to average assets | 0.2591% | 5,284 |
Noninterest expense to average assets | 1.8523% | 6,143 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.6682% | 3,851 |
Return on assets (ROA) | 0.6720% | 3,917 |
Pretax return on assets | 0.8827% | 3,763 |
Return on Equity (ROE) | 6.4056% | 3,803 |
Retained earnings to average equity (ytd only) | 6.4056% | 2,330 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.9933% | 4,363 |
Assets per employee ($millions) | 5.0954% | 2,132 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4342% | 3,445 |
Loan loss allowance to noncurrent loans | 518.8000% | 918 |
Noncurrent assets plus other real estate owned to assets | 0.4800% | 4,699 |
Noncurrent loans to loans | 0.2764% | 5,276 |
Net loans and leases to total assets | 36.4453% | 6,047 |
Net loans and leases to deposits | 40.7568% | 6,145 |
Net loans and leases to core deposits | 46.7624% | 5,951 |
Total domestic deposits to total assets | 89.4215% | 1,412 |
Equity capital to assets | 10.4767% | 3,265 |
Core capital (leverage) ratio | 10.6481% | 2,763 |
Tier 1 risk-based capital ratio | 27.5024% | 679 |
Total risk-based capital ratio | 28.7539% | 666 |
Memoranda: | ||
Average total assets | $239,270,000 | 2,651 |
Average earning assets | $228,716,000 | 2,569 |
Average equity | $25,103,000 | 2,632 |
Average total loans | $89,796,500 | 3,700 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2580% | 6,062 |
Cost of funding earning assets | 0.8087% | 1,170 |
Net interest margin | 2.4493% | 6,412 |
Noninterest income to average assets | 0.2361% | 5,661 |
Noninterest expense to average assets | 1.7801% | 6,353 |
Loan and lease loss provision to assets | 0.0586% | 3,970 |
Net operating income to assets | 0.5638% | 4,440 |
Return on assets (ROA) | 0.5802% | 4,468 |
Pretax return on assets | 0.7529% | 4,324 |
Return on Equity (ROE) | 5.2254% | 4,529 |
Retained earnings to average equity (ytd only) | 3.8184% | 3,488 |
Net charge-offs to loans | 0.1221% | 3,589 |
Credit loss provision to net charge-offs | 137.7551% | 1,698 |
Earnings coverage of net charge-offs (x) | 18.5816% | 1,645 |
Efficiency ratio | 68.2931% | 4,143 |
Assets per employee ($millions) | 5.3173% | 1,829 |
Cash dividends to net income (ytd only)* | 26.9260% | 3,423 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4547% | 3,401 |
Loan loss allowance to noncurrent loans | 1,179.0909% | 445 |
Noncurrent assets plus other real estate owned to assets | 0.4420% | 4,923 |
Noncurrent loans to loans | 0.1234% | 5,832 |
Net loans and leases to total assets | 37.5539% | 6,126 |
Net loans and leases to deposits | 41.9839% | 6,224 |
Net loans and leases to core deposits | 48.4940% | 6,006 |
Total domestic deposits to total assets | 89.4482% | 1,362 |
Equity capital to assets | 10.5069% | 3,147 |
Core capital (leverage) ratio | 10.5377% | 2,872 |
Tier 1 risk-based capital ratio | 27.5319% | 639 |
Total risk-based capital ratio | 28.7837% | 627 |
Memoranda: | ||
Average total assets | $230,432,200 | 2,716 |
Average earning assets | $219,610,200 | 2,622 |
Average equity | $25,586,400 | 2,579 |
Average total loans | $80,267,600 | 3,931 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2065% | 6,188 |
Cost of funding earning assets | 0.8319% | 1,145 |
Net interest margin | 2.3746% | 6,534 |
Noninterest income to average assets | 0.2201% | 5,849 |
Noninterest expense to average assets | 1.7628% | 6,392 |
Loan and lease loss provision to assets | 0.0726% | 3,610 |
Net operating income to assets | 0.4972% | 4,805 |
Return on assets (ROA) | 0.5129% | 4,898 |
Pretax return on assets | 0.6680% | 4,796 |
Return on Equity (ROE) | 4.5566% | 4,954 |
Retained earnings to average equity (ytd only) | 3.9373% | 3,889 |
Net charge-offs to loans | 0.1555% | 2,996 |
Credit loss provision to net charge-offs | 137.3626% | 1,707 |
Earnings coverage of net charge-offs (x) | 13.6264% | 2,012 |
Efficiency ratio | 69.9883% | 3,762 |
Assets per employee ($millions) | 4.9912% | 2,174 |
Cash dividends to net income (ytd only)* | 13.5904% | 3,334 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5415% | 3,268 |
Loan loss allowance to noncurrent loans | 874.3243% | 538 |
Noncurrent assets plus other real estate owned to assets | 0.4783% | 4,997 |
Noncurrent loans to loans | 0.1763% | 5,800 |
Net loans and leases to total assets | 35.2326% | 6,314 |
Net loans and leases to deposits | 39.4694% | 6,401 |
Net loans and leases to core deposits | 45.0706% | 6,243 |
Total domestic deposits to total assets | 89.2654% | 1,426 |
Equity capital to assets | 10.6263% | 3,133 |
Core capital (leverage) ratio | 10.6602% | 2,830 |
Tier 1 risk-based capital ratio | 28.1657% | 619 |
Total risk-based capital ratio | 29.4182% | 605 |
Memoranda: | ||
Average total assets | $229,550,250 | 2,739 |
Average earning assets | $218,757,750 | 2,643 |
Average equity | $25,837,500 | 2,592 |
Average total loans | $78,045,000 | 4,027 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2251% | 6,200 |
Cost of funding earning assets | 0.8566% | 1,109 |
Net interest margin | 2.3685% | 6,579 |
Noninterest income to average assets | 0.2493% | 5,666 |
Noninterest expense to average assets | 1.7492% | 6,452 |
Loan and lease loss provision to assets | 0.0834% | 3,406 |
Net operating income to assets | 0.5124% | 4,756 |
Return on assets (ROA) | 0.5354% | 4,801 |
Pretax return on assets | 0.7092% | 4,656 |
Return on Equity (ROE) | 4.6671% | 4,914 |
Retained earnings to average equity (ytd only) | 3.7489% | 3,912 |
Net charge-offs to loans | 0.2156% | 2,470 |
Credit loss provision to net charge-offs | 115.8537% | 1,913 |
Earnings coverage of net charge-offs (x) | 10.5854% | 2,143 |
Efficiency ratio | 68.6823% | 4,063 |
Assets per employee ($millions) | 4.8948% | 2,234 |
Cash dividends to net income (ytd only)* | 19.6721% | 3,012 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5530% | 3,348 |
Loan loss allowance to noncurrent loans | 744.4444% | 605 |
Noncurrent assets plus other real estate owned to assets | 0.4930% | 5,031 |
Noncurrent loans to loans | 0.2086% | 5,787 |
Net loans and leases to total assets | 35.8395% | 6,313 |
Net loans and leases to deposits | 40.3598% | 6,394 |
Net loans and leases to core deposits | 46.1706% | 6,229 |
Total domestic deposits to total assets | 88.8001% | 1,733 |
Equity capital to assets | 11.0267% | 2,727 |
Core capital (leverage) ratio | 10.6913% | 2,675 |
Tier 1 risk-based capital ratio | 28.1088% | 619 |
Total risk-based capital ratio | 29.3620% | 614 |
Memoranda: | ||
Average total assets | $227,871,330 | 2,771 |
Average earning assets | $217,604,000 | 2,668 |
Average equity | $26,140,670 | 2,572 |
Average total loans | $76,078,330 | 4,100 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1823% | 6,312 |
Cost of funding earning assets | 0.8672% | 1,167 |
Net interest margin | 2.3151% | 6,677 |
Noninterest income to average assets | 0.2862% | 5,415 |
Noninterest expense to average assets | 1.6735% | 6,597 |
Loan and lease loss provision to assets | 0.0698% | 3,468 |
Net operating income to assets | 0.5689% | 4,366 |
Return on assets (ROA) | 0.5689% | 4,516 |
Pretax return on assets | 0.7556% | 4,349 |
Return on Equity (ROE) | 4.8662% | 4,654 |
Retained earnings to average equity (ytd only) | 4.8662% | 3,319 |
Net charge-offs to loans | 0.0164% | 3,829 |
Credit loss provision to net charge-offs | 1,333.3333% | 242 |
Earnings coverage of net charge-offs (x) | 157.6667% | 255 |
Efficiency ratio | 65.9916% | 4,659 |
Assets per employee ($millions) | 5.2299% | 1,944 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7464% | 2,815 |
Loan loss allowance to noncurrent loans | 3,325.6410% | 177 |
Noncurrent assets plus other real estate owned to assets | 0.4937% | 5,145 |
Noncurrent loans to loans | 0.0525% | 6,316 |
Net loans and leases to total assets | 31.7104% | 6,528 |
Net loans and leases to deposits | 36.1486% | 6,566 |
Net loans and leases to core deposits | 41.2776% | 6,427 |
Total domestic deposits to total assets | 87.7223% | 2,506 |
Equity capital to assets | 11.6341% | 2,304 |
Core capital (leverage) ratio | 10.6754% | 2,568 |
Tier 1 risk-based capital ratio | 29.9316% | 534 |
Total risk-based capital ratio | 31.1855% | 526 |
Memoranda: | ||
Average total assets | $229,226,000 | 2,784 |
Average earning assets | $219,087,000 | 2,676 |
Average equity | $26,797,000 | 2,537 |
Average total loans | $73,132,500 | 4,230 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3966% | 6,489 |
Cost of funding earning assets | 1.0063% | 1,326 |
Net interest margin | 2.3903% | 6,786 |
Noninterest income to average assets | 0.2902% | 5,395 |
Noninterest expense to average assets | 1.9077% | 6,483 |
Loan and lease loss provision to assets | 0.0526% | 5,152 |
Net operating income to assets | 0.4944% | 4,708 |
Return on assets (ROA) | 0.5423% | 4,763 |
Pretax return on assets | 0.6636% | 4,781 |
Return on Equity (ROE) | 4.4834% | 4,943 |
Retained earnings to average equity (ytd only) | 2.2547% | 4,652 |
Net charge-offs to loans | 0.0662% | 5,022 |
Credit loss provision to net charge-offs | 243.7500% | 1,012 |
Earnings coverage of net charge-offs (x) | 30.5000% | 1,001 |
Efficiency ratio | 73.3625% | 3,179 |
Assets per employee ($millions) | 5.1894% | 2,001 |
Cash dividends to net income (ytd only)* | 49.7100% | 2,324 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7501% | 2,759 |
Loan loss allowance to noncurrent loans | 285.0679% | 1,355 |
Noncurrent assets plus other real estate owned to assets | 0.6740% | 4,797 |
Noncurrent loans to loans | 0.6139% | 4,977 |
Net loans and leases to total assets | 30.9795% | 6,666 |
Net loans and leases to deposits | 35.3712% | 6,702 |
Net loans and leases to core deposits | 40.1488% | 6,613 |
Total domestic deposits to total assets | 87.5840% | 2,487 |
Equity capital to assets | 11.7468% | 2,227 |
Core capital (leverage) ratio | 10.5932% | 2,663 |
Tier 1 risk-based capital ratio | 29.8624% | 520 |
Total risk-based capital ratio | 31.1163% | 514 |
Memoranda: | ||
Average total assets | $222,575,000 | 2,818 |
Average earning assets | $211,859,200 | 2,711 |
Average equity | $26,921,800 | 2,488 |
Average total loans | $72,497,000 | 4,254 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4295% | 6,590 |
Cost of funding earning assets | 1.0314% | 1,386 |
Net interest margin | 2.3981% | 6,895 |
Noninterest income to average assets | 0.2912% | 5,449 |
Noninterest expense to average assets | 1.9270% | 6,475 |
Loan and lease loss provision to assets | 0.0525% | 5,095 |
Net operating income to assets | 0.4830% | 4,908 |
Return on assets (ROA) | 0.5246% | 5,003 |
Pretax return on assets | 0.6439% | 5,037 |
Return on Equity (ROE) | 4.3047% | 5,147 |
Retained earnings to average equity (ytd only) | 3.7109% | 4,275 |
Net charge-offs to loans | 0.2313% | 3,333 |
Credit loss provision to net charge-offs | 69.0476% | 3,933 |
Earnings coverage of net charge-offs (x) | 8.4918% | 2,437 |
Efficiency ratio | 73.9100% | 3,000 |
Assets per employee ($millions) | 4.8025% | 2,439 |
Cash dividends to net income (ytd only)* | 13.7935% | 3,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5931% | 3,543 |
Loan loss allowance to noncurrent loans | 907.0866% | 473 |
Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,099 |
Noncurrent loans to loans | 0.1756% | 6,172 |
Net loans and leases to total assets | 32.2127% | 6,735 |
Net loans and leases to deposits | 37.2804% | 6,776 |
Net loans and leases to core deposits | 42.9585% | 6,632 |
Total domestic deposits to total assets | 86.4064% | 3,034 |
Equity capital to assets | 12.6009% | 1,823 |
Core capital (leverage) ratio | 10.8267% | 2,565 |
Tier 1 risk-based capital ratio | 29.9403% | 538 |
Total risk-based capital ratio | 31.1928% | 527 |
Memoranda: | ||
Average total assets | $221,135,000 | 2,849 |
Average earning assets | $210,329,000 | 2,758 |
Average equity | $26,946,750 | 2,506 |
Average total loans | $72,622,000 | 4,307 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4854% | 6,624 |
Cost of funding earning assets | 1.0473% | 1,486 |
Net interest margin | 2.4381% | 6,937 |
Noninterest income to average assets | 0.2975% | 5,424 |
Noninterest expense to average assets | 1.9357% | 6,537 |
Loan and lease loss provision to assets | 0.0696% | 4,758 |
Net operating income to assets | 0.4744% | 4,934 |
Return on assets (ROA) | 0.5343% | 4,934 |
Pretax return on assets | 0.6862% | 4,864 |
Return on Equity (ROE) | 4.4353% | 5,069 |
Retained earnings to average equity (ytd only) | 3.5347% | 4,244 |
Net charge-offs to loans | 0.1183% | 3,993 |
Credit loss provision to net charge-offs | 179.0698% | 1,577 |
Earnings coverage of net charge-offs (x) | 17.4651% | 1,526 |
Efficiency ratio | 73.0290% | 3,233 |
Assets per employee ($millions) | 4.8726% | 2,328 |
Cash dividends to net income (ytd only)* | 20.3046% | 2,972 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6786% | 3,321 |
Loan loss allowance to noncurrent loans | 628.2051% | 609 |
Noncurrent assets plus other real estate owned to assets | 0.6282% | 5,203 |
Noncurrent loans to loans | 0.2672% | 6,044 |
Net loans and leases to total assets | 32.0129% | 6,805 |
Net loans and leases to deposits | 36.7581% | 6,848 |
Net loans and leases to core deposits | 42.0684% | 6,731 |
Total domestic deposits to total assets | 87.0907% | 2,724 |
Equity capital to assets | 12.0313% | 2,128 |
Core capital (leverage) ratio | 10.7304% | 2,563 |
Tier 1 risk-based capital ratio | 28.8403% | 583 |
Total risk-based capital ratio | 30.0936% | 567 |
Memoranda: | ||
Average total assets | $221,209,000 | 2,854 |
Average earning assets | $210,246,670 | 2,757 |
Average equity | $26,650,000 | 2,511 |
Average total loans | $72,724,670 | 4,322 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5065% | 6,693 |
Cost of funding earning assets | 1.0966% | 1,420 |
Net interest margin | 2.4099% | 7,007 |
Noninterest income to average assets | 0.2985% | 5,487 |
Noninterest expense to average assets | 1.9805% | 6,500 |
Loan and lease loss provision to assets | 0.0856% | 4,311 |
Net operating income to assets | 0.4096% | 5,213 |
Return on assets (ROA) | 0.4096% | 5,399 |
Pretax return on assets | 0.5206% | 5,361 |
Return on Equity (ROE) | 3.3973% | 5,550 |
Retained earnings to average equity (ytd only) | 3.3973% | 4,533 |
Net charge-offs to loans | 0.0496% | 4,007 |
Credit loss provision to net charge-offs | 522.2222% | 633 |
Earnings coverage of net charge-offs (x) | 37.0000% | 793 |
Efficiency ratio | 75.5806% | 2,842 |
Assets per employee ($millions) | 5.0508% | 2,193 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7092% | 3,312 |
Loan loss allowance to noncurrent loans | 1,254.0816% | 330 |
Noncurrent assets plus other real estate owned to assets | 0.6421% | 5,286 |
Noncurrent loans to loans | 0.1363% | 6,416 |
Net loans and leases to total assets | 31.8015% | 6,839 |
Net loans and leases to deposits | 36.4427% | 6,875 |
Net loans and leases to core deposits | 41.4284% | 6,771 |
Total domestic deposits to total assets | 87.2644% | 2,792 |
Equity capital to assets | 11.9405% | 2,086 |
Core capital (leverage) ratio | 10.6313% | 2,616 |
Tier 1 risk-based capital ratio | 28.6774% | 592 |
Total risk-based capital ratio | 29.9301% | 583 |
Memoranda: | ||
Average total assets | $219,743,000 | 2,897 |
Average earning assets | $208,643,500 | 2,790 |
Average equity | $26,491,500 | 2,527 |
Average total loans | $72,597,500 | 4,362 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8872% | 6,631 |
Cost of funding earning assets | 1.2397% | 1,787 |
Net interest margin | 2.6476% | 6,971 |
Noninterest income to average assets | 0.3106% | 5,325 |
Noninterest expense to average assets | 2.0122% | 6,654 |
Loan and lease loss provision to assets | 0.4543% | 2,328 |
Net operating income to assets | 0.2695% | 5,371 |
Return on assets (ROA) | 0.4398% | 4,900 |
Pretax return on assets | 0.5792% | 4,746 |
Return on Equity (ROE) | 3.6622% | 5,004 |
Retained earnings to average equity (ytd only) | 1.3246% | 5,231 |
Net charge-offs to loans | 0.7864% | 2,188 |
Credit loss provision to net charge-offs | 167.7029% | 1,609 |
Earnings coverage of net charge-offs (x) | 2.9879% | 3,711 |
Efficiency ratio | 70.3698% | 3,874 |
Assets per employee ($millions) | 4.6224% | 2,725 |
Cash dividends to net income (ytd only)* | 63.8298% | 1,396 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6250% | 3,490 |
Loan loss allowance to noncurrent loans | 1,017.9487% | 391 |
Noncurrent assets plus other real estate owned to assets | 0.6748% | 5,292 |
Noncurrent loans to loans | 0.1596% | 6,435 |
Net loans and leases to total assets | 33.1879% | 6,900 |
Net loans and leases to deposits | 38.2551% | 6,940 |
Net loans and leases to core deposits | 44.3936% | 6,798 |
Total domestic deposits to total assets | 86.7540% | 2,896 |
Equity capital to assets | 12.1735% | 1,996 |
Core capital (leverage) ratio | 10.5314% | 2,684 |
Tier 1 risk-based capital ratio | 28.2579% | 606 |
Total risk-based capital ratio | 29.5099% | 599 |
Memoranda: | ||
Average total assets | $213,750,800 | 2,902 |
Average earning assets | $202,715,200 | 2,818 |
Average equity | $25,667,400 | 2,510 |
Average total loans | $73,623,200 | 4,359 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9273% | 6,696 |
Cost of funding earning assets | 1.2532% | 1,977 |
Net interest margin | 2.6741% | 7,012 |
Noninterest income to average assets | 0.3119% | 5,369 |
Noninterest expense to average assets | 2.0324% | 6,628 |
Loan and lease loss provision to assets | 0.2499% | 3,508 |
Net operating income to assets | 0.4722% | 4,666 |
Return on assets (ROA) | 0.4553% | 4,941 |
Pretax return on assets | 0.5449% | 4,994 |
Return on Equity (ROE) | 3.8053% | 5,075 |
Retained earnings to average equity (ytd only) | 3.1772% | 4,440 |
Net charge-offs to loans | 0.7923% | 1,978 |
Credit loss provision to net charge-offs | 91.0959% | 3,737 |
Earnings coverage of net charge-offs (x) | 2.9703% | 3,657 |
Efficiency ratio | 70.4355% | 3,872 |
Assets per employee ($millions) | 4.8945% | 2,335 |
Cash dividends to net income (ytd only)* | 16.5066% | 3,063 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0322% | 6,114 |
Loan loss allowance to noncurrent loans | 251.6556% | 1,237 |
Noncurrent assets plus other real estate owned to assets | 0.7224% | 5,354 |
Noncurrent loans to loans | 0.4102% | 6,024 |
Net loans and leases to total assets | 33.0830% | 6,991 |
Net loans and leases to deposits | 38.1807% | 7,030 |
Net loans and leases to core deposits | 44.1912% | 6,916 |
Total domestic deposits to total assets | 86.6485% | 2,856 |
Equity capital to assets | 12.3150% | 2,020 |
Core capital (leverage) ratio | 10.8312% | 2,543 |
Tier 1 risk-based capital ratio | 27.5812% | 692 |
Total risk-based capital ratio | 28.4783% | 705 |
Memoranda: | ||
Average total assets | $212,875,750 | 2,922 |
Average earning assets | $201,832,000 | 2,834 |
Average equity | $25,472,500 | 2,530 |
Average total loans | $73,706,000 | 4,394 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9417% | 6,751 |
Cost of funding earning assets | 1.2714% | 2,109 |
Net interest margin | 2.6702% | 7,059 |
Noninterest income to average assets | 0.3194% | 5,347 |
Noninterest expense to average assets | 2.0426% | 6,707 |
Loan and lease loss provision to assets | 0.2766% | 3,163 |
Net operating income to assets | 0.4790% | 4,598 |
Return on assets (ROA) | 0.4790% | 4,742 |
Pretax return on assets | 0.5313% | 4,964 |
Return on Equity (ROE) | 4.0446% | 4,924 |
Retained earnings to average equity (ytd only) | 3.0816% | 4,309 |
Net charge-offs to loans | 1.1447% | 1,368 |
Credit loss provision to net charge-offs | 68.9573% | 4,081 |
Earnings coverage of net charge-offs (x) | 2.0142% | 3,860 |
Efficiency ratio | 70.7236% | 3,981 |
Assets per employee ($millions) | 4.3884% | 3,012 |
Cash dividends to net income (ytd only)* | 23.8095% | 2,725 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9051% | 6,642 |
Loan loss allowance to noncurrent loans | 575.8621% | 585 |
Noncurrent assets plus other real estate owned to assets | 0.8148% | 5,252 |
Noncurrent loans to loans | 0.1572% | 6,586 |
Net loans and leases to total assets | 34.0111% | 7,044 |
Net loans and leases to deposits | 38.9752% | 7,095 |
Net loans and leases to core deposits | 45.3078% | 6,967 |
Total domestic deposits to total assets | 87.2634% | 2,591 |
Equity capital to assets | 11.9391% | 2,132 |
Core capital (leverage) ratio | 10.8612% | 2,363 |
Tier 1 risk-based capital ratio | 26.9410% | 731 |
Total risk-based capital ratio | 27.7192% | 751 |
Memoranda: | ||
Average total assets | $210,417,000 | 2,971 |
Average earning assets | $199,458,000 | 2,877 |
Average equity | $24,922,000 | 2,566 |
Average total loans | $73,732,670 | 4,436 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8774% | 6,849 |
Cost of funding earning assets | 1.2931% | 2,221 |
Net interest margin | 2.5842% | 7,133 |
Noninterest income to average assets | 0.3210% | 5,354 |
Noninterest expense to average assets | 2.0239% | 6,792 |
Loan and lease loss provision to assets | 0.3710% | 2,333 |
Net operating income to assets | 0.4786% | 4,584 |
Return on assets (ROA) | 0.4786% | 4,664 |
Pretax return on assets | 0.3767% | 5,406 |
Return on Equity (ROE) | 4.0576% | 4,866 |
Retained earnings to average equity (ytd only) | 4.0576% | 3,722 |
Net charge-offs to loans | 2.2470% | 537 |
Credit loss provision to net charge-offs | 46.6184% | 3,826 |
Earnings coverage of net charge-offs (x) | 0.9396% | 3,947 |
Efficiency ratio | 72.0527% | 3,852 |
Assets per employee ($millions) | 4.4593% | 2,962 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7847% | 6,953 |
Loan loss allowance to noncurrent loans | 238.8430% | 1,256 |
Noncurrent assets plus other real estate owned to assets | 0.7162% | 5,509 |
Noncurrent loans to loans | 0.3285% | 6,335 |
Net loans and leases to total assets | 34.8681% | 7,055 |
Net loans and leases to deposits | 39.7633% | 7,114 |
Net loans and leases to core deposits | 46.3470% | 6,960 |
Total domestic deposits to total assets | 87.6891% | 2,561 |
Equity capital to assets | 11.7832% | 2,056 |
Core capital (leverage) ratio | 11.0694% | 2,136 |
Tier 1 risk-based capital ratio | 27.0579% | 700 |
Total risk-based capital ratio | 27.7385% | 728 |
Memoranda: | ||
Average total assets | $208,109,000 | 3,012 |
Average earning assets | $197,350,000 | 2,919 |
Average equity | $24,546,500 | 2,591 |
Average total loans | $73,697,500 | 4,477 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2215% | 6,895 |
Cost of funding earning assets | 1.3638% | 3,491 |
Net interest margin | 2.8577% | 6,964 |
Noninterest income to average assets | 0.3700% | 5,138 |
Noninterest expense to average assets | 2.3474% | 6,224 |
Loan and lease loss provision to assets | 0.2268% | 5,010 |
Net operating income to assets | 0.3826% | 4,625 |
Return on assets (ROA) | 0.3826% | 4,768 |
Pretax return on assets | 0.5061% | 4,602 |
Return on Equity (ROE) | 3.0387% | 4,938 |
Retained earnings to average equity (ytd only) | 0.6366% | 5,259 |
Net charge-offs to loans | 0.6767% | 2,979 |
Credit loss provision to net charge-offs | 85.5513% | 5,316 |
Earnings coverage of net charge-offs (x) | 2.7643% | 3,690 |
Efficiency ratio | 75.2741% | 3,149 |
Assets per employee ($millions) | 4.3964% | 3,039 |
Cash dividends to net income (ytd only)* | 79.0514% | 886 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0836% | 6,009 |
Loan loss allowance to noncurrent loans | 99.0087% | 2,922 |
Noncurrent assets plus other real estate owned to assets | 1.0260% | 4,948 |
Noncurrent loans to loans | 1.0944% | 4,910 |
Net loans and leases to total assets | 35.2992% | 7,189 |
Net loans and leases to deposits | 40.3841% | 7,241 |
Net loans and leases to core deposits | 47.4743% | 7,095 |
Total domestic deposits to total assets | 87.4085% | 2,610 |
Equity capital to assets | 11.8070% | 2,034 |
Core capital (leverage) ratio | 11.1549% | 2,045 |
Tier 1 risk-based capital ratio | 25.9666% | 758 |
Total risk-based capital ratio | 26.8820% | 769 |
Memoranda: | ||
Average total assets | $198,387,600 | 3,123 |
Average earning assets | $188,157,400 | 3,027 |
Average equity | $24,977,800 | 2,561 |
Average total loans | $77,733,400 | 4,403 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2885% | 6,979 |
Cost of funding earning assets | 1.3655% | 3,804 |
Net interest margin | 2.9230% | 6,972 |
Noninterest income to average assets | 0.3654% | 5,235 |
Noninterest expense to average assets | 2.3572% | 6,158 |
Loan and lease loss provision to assets | 0.1005% | 6,017 |
Net operating income to assets | 0.5406% | 4,129 |
Return on assets (ROA) | 0.5406% | 4,301 |
Pretax return on assets | 0.6798% | 4,304 |
Return on Equity (ROE) | 4.2245% | 4,675 |
Retained earnings to average equity (ytd only) | 3.5876% | 3,924 |
Net charge-offs to loans | 0.5995% | 2,943 |
Credit loss provision to net charge-offs | 41.8079% | 5,996 |
Earnings coverage of net charge-offs (x) | 3.2457% | 3,521 |
Efficiency ratio | 74.1991% | 3,289 |
Assets per employee ($millions) | 4.3376% | 3,190 |
Cash dividends to net income (ytd only)* | 15.0757% | 3,157 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8744% | 6,825 |
Loan loss allowance to noncurrent loans | 166.8329% | 1,711 |
Noncurrent assets plus other real estate owned to assets | 0.7402% | 5,625 |
Noncurrent loans to loans | 0.5241% | 6,149 |
Net loans and leases to total assets | 37.2026% | 7,217 |
Net loans and leases to deposits | 43.0327% | 7,269 |
Net loans and leases to core deposits | 50.7688% | 7,091 |
Total domestic deposits to total assets | 86.4518% | 2,823 |
Equity capital to assets | 12.7570% | 1,711 |
Core capital (leverage) ratio | 11.5289% | 1,923 |
Tier 1 risk-based capital ratio | 26.0490% | 770 |
Total risk-based capital ratio | 26.8011% | 796 |
Memoranda: | ||
Average total assets | $196,326,750 | 3,185 |
Average earning assets | $186,199,250 | 3,094 |
Average equity | $25,123,000 | 2,574 |
Average total loans | $78,732,250 | 4,443 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3501% | 6,974 |
Cost of funding earning assets | 1.3699% | 4,062 |
Net interest margin | 2.9802% | 6,868 |
Noninterest income to average assets | 0.3756% | 5,122 |
Noninterest expense to average assets | 2.4250% | 5,994 |
Loan and lease loss provision to assets | 0.0568% | 6,386 |
Net operating income to assets | 0.5748% | 3,973 |
Return on assets (ROA) | 0.5748% | 4,119 |
Pretax return on assets | 0.7203% | 4,164 |
Return on Equity (ROE) | 4.4868% | 4,551 |
Retained earnings to average equity (ytd only) | 3.5202% | 3,868 |
Net charge-offs to loans | 0.7399% | 2,384 |
Credit loss provision to net charge-offs | 18.7075% | 5,867 |
Earnings coverage of net charge-offs (x) | 2.5612% | 3,719 |
Efficiency ratio | 74.8308% | 3,297 |
Assets per employee ($millions) | 4.1692% | 3,452 |
Cash dividends to net income (ytd only)* | 21.5440% | 2,848 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8127% | 7,003 |
Loan loss allowance to noncurrent loans | 103.2468% | 2,676 |
Noncurrent assets plus other real estate owned to assets | 0.7650% | 5,591 |
Noncurrent loans to loans | 0.7872% | 5,698 |
Net loans and leases to total assets | 39.6123% | 7,190 |
Net loans and leases to deposits | 45.9747% | 7,250 |
Net loans and leases to core deposits | 53.1745% | 7,078 |
Total domestic deposits to total assets | 86.1609% | 3,003 |
Equity capital to assets | 13.0287% | 1,556 |
Core capital (leverage) ratio | 11.7450% | 1,779 |
Tier 1 risk-based capital ratio | 25.6794% | 795 |
Total risk-based capital ratio | 26.3920% | 814 |
Memoranda: | ||
Average total assets | $193,814,000 | 3,248 |
Average earning assets | $183,811,000 | 3,153 |
Average equity | $24,828,330 | 2,606 |
Average total loans | $79,472,330 | 4,459 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3651% | 7,048 |
Cost of funding earning assets | 1.3815% | 4,298 |
Net interest margin | 2.9835% | 6,865 |
Noninterest income to average assets | 0.3860% | 5,033 |
Noninterest expense to average assets | 2.1666% | 6,766 |
Loan and lease loss provision to assets | 0.2553% | 4,002 |
Net operating income to assets | 0.5209% | 4,284 |
Return on assets (ROA) | 0.5209% | 4,425 |
Pretax return on assets | 0.8011% | 3,857 |
Return on Equity (ROE) | 4.1017% | 4,849 |
Retained earnings to average equity (ytd only) | 4.1017% | 3,692 |
Net charge-offs to loans | -0.0050% | 6,813 |
Credit loss provision to net charge-offs | -12,300.0000% | 6,706 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3232% | 5,045 |
Assets per employee ($millions) | 4.1336% | 3,594 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2527% | 5,193 |
Loan loss allowance to noncurrent loans | 141.1017% | 1,982 |
Noncurrent assets plus other real estate owned to assets | 0.6316% | 5,937 |
Noncurrent loans to loans | 0.8878% | 5,545 |
Net loans and leases to total assets | 40.5325% | 7,216 |
Net loans and leases to deposits | 46.7766% | 7,292 |
Net loans and leases to core deposits | 54.0170% | 7,102 |
Total domestic deposits to total assets | 86.6513% | 2,815 |
Equity capital to assets | 12.6986% | 1,656 |
Core capital (leverage) ratio | 11.8915% | 1,694 |
Tier 1 risk-based capital ratio | 25.4750% | 817 |
Total risk-based capital ratio | 26.5953% | 808 |
Memoranda: | ||
Average total assets | $192,745,000 | 3,326 |
Average earning assets | $183,273,000 | 3,221 |
Average equity | $24,477,500 | 2,667 |
Average total loans | $80,080,000 | 4,503 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8117% | 6,927 |
Cost of funding earning assets | 1.6119% | 4,978 |
Net interest margin | 3.1998% | 6,095 |
Noninterest income to average assets | 0.4057% | 5,159 |
Noninterest expense to average assets | 2.3875% | 6,503 |
Loan and lease loss provision to assets | 0.3146% | 4,931 |
Net operating income to assets | 0.5824% | 3,393 |
Return on assets (ROA) | 0.5824% | 3,470 |
Pretax return on assets | 0.7375% | 3,449 |
Return on Equity (ROE) | 4.3416% | 3,948 |
Retained earnings to average equity (ytd only) | 1.8559% | 3,801 |
Net charge-offs to loans | 0.2268% | 5,203 |
Credit loss provision to net charge-offs | 302.6738% | 1,094 |
Earnings coverage of net charge-offs (x) | 10.1230% | 1,721 |
Efficiency ratio | 68.6541% | 4,895 |
Assets per employee ($millions) | 4.0683% | 3,678 |
Cash dividends to net income (ytd only)* | 57.2519% | 2,125 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0881% | 5,955 |
Loan loss allowance to noncurrent loans | 412.7358% | 811 |
Noncurrent assets plus other real estate owned to assets | 0.2960% | 6,707 |
Noncurrent loans to loans | 0.2636% | 6,769 |
Net loans and leases to total assets | 41.5979% | 7,267 |
Net loans and leases to deposits | 48.0860% | 7,352 |
Net loans and leases to core deposits | 66.6725% | 6,950 |
Total domestic deposits to total assets | 86.5074% | 2,760 |
Equity capital to assets | 12.7002% | 1,646 |
Core capital (leverage) ratio | 12.2258% | 1,565 |
Tier 1 risk-based capital ratio | 25.5590% | 796 |
Total risk-based capital ratio | 26.5552% | 800 |
Memoranda: | ||
Average total assets | $179,934,800 | 3,439 |
Average earning assets | $170,603,600 | 3,338 |
Average equity | $24,138,800 | 2,706 |
Average total loans | $82,464,600 | 4,432 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8772% | 6,940 |
Cost of funding earning assets | 1.6723% | 5,051 |
Net interest margin | 3.2048% | 6,009 |
Noninterest income to average assets | 0.4185% | 5,146 |
Noninterest expense to average assets | 2.3938% | 6,432 |
Loan and lease loss provision to assets | 0.0512% | 6,864 |
Net operating income to assets | 0.6911% | 3,244 |
Return on assets (ROA) | 0.6911% | 3,297 |
Pretax return on assets | 1.0102% | 2,872 |
Return on Equity (ROE) | 5.0782% | 3,929 |
Retained earnings to average equity (ytd only) | 4.4144% | 2,802 |
Net charge-offs to loans | 0.2250% | 4,644 |
Credit loss provision to net charge-offs | 48.5714% | 6,331 |
Earnings coverage of net charge-offs (x) | 10.0715% | 2,013 |
Efficiency ratio | 68.5621% | 4,870 |
Assets per employee ($millions) | 3.8187% | 4,149 |
Cash dividends to net income (ytd only)* | 13.0722% | 3,436 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5266% | 7,677 |
Loan loss allowance to noncurrent loans | 673.0159% | 505 |
Noncurrent assets plus other real estate owned to assets | 0.2460% | 6,899 |
Noncurrent loans to loans | 0.0782% | 7,300 |
Net loans and leases to total assets | 43.6985% | 7,265 |
Net loans and leases to deposits | 51.1292% | 7,355 |
Net loans and leases to core deposits | 71.7142% | 6,865 |
Total domestic deposits to total assets | 85.4669% | 2,988 |
Equity capital to assets | 13.6978% | 1,418 |
Core capital (leverage) ratio | 12.6983% | 1,499 |
Tier 1 risk-based capital ratio | 26.5794% | 785 |
Total risk-based capital ratio | 27.0740% | 813 |
Memoranda: | ||
Average total assets | $177,116,250 | 3,506 |
Average earning assets | $167,826,000 | 3,406 |
Average equity | $24,102,500 | 2,735 |
Average total loans | $82,977,250 | 4,453 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9408% | 6,943 |
Cost of funding earning assets | 1.7552% | 4,974 |
Net interest margin | 3.1857% | 5,967 |
Noninterest income to average assets | 0.4421% | 4,914 |
Noninterest expense to average assets | 2.3136% | 6,724 |
Loan and lease loss provision to assets | 0.0674% | 6,529 |
Net operating income to assets | 0.7540% | 3,027 |
Return on assets (ROA) | 0.7540% | 3,133 |
Pretax return on assets | 1.0762% | 2,713 |
Return on Equity (ROE) | 5.5538% | 3,838 |
Retained earnings to average equity (ytd only) | 4.5441% | 2,765 |
Net charge-offs to loans | 0.0048% | 6,541 |
Credit loss provision to net charge-offs | 2,950.0000% | 175 |
Earnings coverage of net charge-offs (x) | 500.5000% | 62 |
Efficiency ratio | 66.2921% | 5,501 |
Assets per employee ($millions) | 3.6266% | 4,505 |
Cash dividends to net income (ytd only)* | 18.1818% | 3,208 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6659% | 7,497 |
Loan loss allowance to noncurrent loans | 68.4406% | 4,012 |
Noncurrent assets plus other real estate owned to assets | 0.4642% | 6,286 |
Noncurrent loans to loans | 0.9730% | 5,273 |
Net loans and leases to total assets | 47.3871% | 7,086 |
Net loans and leases to deposits | 55.4495% | 7,195 |
Net loans and leases to core deposits | 77.1216% | 6,600 |
Total domestic deposits to total assets | 85.4599% | 3,034 |
Equity capital to assets | 13.8060% | 1,384 |
Core capital (leverage) ratio | 12.8300% | 1,489 |
Tier 1 risk-based capital ratio | 26.2474% | 835 |
Total risk-based capital ratio | 26.8921% | 866 |
Memoranda: | ||
Average total assets | $175,055,330 | 3,553 |
Average earning assets | $165,680,000 | 3,467 |
Average equity | $23,767,330 | 2,783 |
Average total loans | $83,795,330 | 4,469 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9505% | 7,057 |
Cost of funding earning assets | 1.7973% | 5,123 |
Net interest margin | 3.1531% | 6,003 |
Noninterest income to average assets | 0.4785% | 4,520 |
Noninterest expense to average assets | 2.2262% | 6,780 |
Loan and lease loss provision to assets | 0.0592% | 6,217 |
Net operating income to assets | 0.8180% | 3,057 |
Return on assets (ROA) | 0.8180% | 3,209 |
Pretax return on assets | 1.1712% | 2,720 |
Return on Equity (ROE) | 6.0759% | 4,009 |
Retained earnings to average equity (ytd only) | 6.0759% | 2,589 |
Net charge-offs to loans | -0.0048% | 7,174 |
Credit loss provision to net charge-offs | -2,600.0000% | 6,660 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.0738% | 5,676 |
Assets per employee ($millions) | 3.7769% | 4,154 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6222% | 7,622 |
Loan loss allowance to noncurrent loans | 4,023.0769% | 128 |
Noncurrent assets plus other real estate owned to assets | 0.0073% | 7,623 |
Noncurrent loans to loans | 0.0155% | 7,521 |
Net loans and leases to total assets | 47.0572% | 7,103 |
Net loans and leases to deposits | 54.8354% | 7,233 |
Net loans and leases to core deposits | 76.0499% | 6,673 |
Total domestic deposits to total assets | 85.8154% | 2,816 |
Equity capital to assets | 13.4624% | 1,544 |
Core capital (leverage) ratio | 12.7702% | 1,572 |
Tier 1 risk-based capital ratio | 25.5282% | 928 |
Total risk-based capital ratio | 26.1264% | 966 |
Memoranda: | ||
Average total assets | $175,544,500 | 3,566 |
Average earning assets | $165,802,500 | 3,477 |
Average equity | $23,634,500 | 2,807 |
Average total loans | $84,171,500 | 4,489 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2859% | 7,613 |
Cost of funding earning assets | 2.1039% | 6,037 |
Net interest margin | 3.1820% | 6,420 |
Noninterest income to average assets | 0.4417% | 5,100 |
Noninterest expense to average assets | 2.2637% | 6,804 |
Loan and lease loss provision to assets | 0.0418% | 6,886 |
Net operating income to assets | 0.8630% | 3,155 |
Return on assets (ROA) | 0.4947% | 4,599 |
Pretax return on assets | 0.6572% | 4,525 |
Return on Equity (ROE) | 3.6846% | 4,956 |
Retained earnings to average equity (ytd only) | 1.0528% | 4,593 |
Net charge-offs to loans | 0.0226% | 6,533 |
Credit loss provision to net charge-offs | 394.4444% | 1,117 |
Earnings coverage of net charge-offs (x) | 112.2778% | 393 |
Efficiency ratio | 65.5413% | 5,212 |
Assets per employee ($millions) | 3.4715% | 4,745 |
Cash dividends to net income (ytd only)* | 71.4286% | 2,110 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5885% | 7,696 |
Loan loss allowance to noncurrent loans | 3,100.0000% | 208 |
Noncurrent assets plus other real estate owned to assets | 0.0092% | 7,596 |
Noncurrent loans to loans | 0.0190% | 7,448 |
Net loans and leases to total assets | 48.2736% | 7,166 |
Net loans and leases to deposits | 56.3442% | 7,294 |
Net loans and leases to core deposits | 77.1973% | 6,786 |
Total domestic deposits to total assets | 85.6763% | 2,546 |
Equity capital to assets | 13.4647% | 1,606 |
Core capital (leverage) ratio | 12.9680% | 1,553 |
Tier 1 risk-based capital ratio | 25.2452% | 964 |
Total risk-based capital ratio | 25.8155% | 1,006 |
Memoranda: | ||
Average total assets | $169,814,200 | 3,558 |
Average earning assets | $160,748,000 | 3,457 |
Average equity | $22,797,400 | 2,872 |
Average total loans | $79,552,000 | 4,533 |