Home > First National Bank in Taylorville > Performance and Condition Ratios
First National Bank in Taylorville, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9114% | 4,312 |
Cost of funding earning assets | 1.3124% | 3,576 |
Net interest margin | 2.5991% | 3,945 |
Noninterest income to average assets | 0.2900% | 2,950 |
Noninterest expense to average assets | 1.6215% | 4,116 |
Loan and lease loss provision to assets | -0.3300% | 4,404 |
Net operating income to assets | 1.4616% | 1,157 |
Return on assets (ROA) | 1.4616% | 1,152 |
Pretax return on assets | 1.4923% | 1,535 |
Return on Equity (ROE) | 15.5800% | 967 |
Retained earnings to average equity (ytd only) | 14.3087% | 499 |
Net charge-offs to loans | -0.0122% | 3,969 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 58.2474% | 3,150 |
Assets per employee ($millions) | 8.9663% | 1,128 |
Cash dividends to net income (ytd only)* | 8.1346% | 2,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2047% | 2,161 |
Loan loss allowance to noncurrent loans | 972.8395% | 708 |
Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,396 |
Noncurrent loans to loans | 0.1238% | 3,055 |
Net loans and leases to total assets | 32.7600% | 4,150 |
Net loans and leases to deposits | 37.6693% | 4,175 |
Net loans and leases to core deposits | 39.2448% | 4,179 |
Total domestic deposits to total assets | 86.9700% | 1,932 |
Equity capital to assets | 9.6989% | 2,428 |
Core capital (leverage) ratio | 13.6240% | 890 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,736 |
Memoranda: | ||
Average total assets | $195,129,000 | 3,043 |
Average earning assets | $187,144,500 | 2,998 |
Average equity | $18,310,500 | 3,122 |
Average total loans | $65,721,000 | 3,637 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7321% | 4,373 |
Cost of funding earning assets | 1.3185% | 3,645 |
Net interest margin | 2.4136% | 3,990 |
Noninterest income to average assets | 0.2600% | 3,313 |
Noninterest expense to average assets | 1.6634% | 4,129 |
Loan and lease loss provision to assets | 0.0100% | 2,986 |
Net operating income to assets | 0.8773% | 2,459 |
Return on assets (ROA) | 0.8778% | 2,476 |
Pretax return on assets | 0.9086% | 2,777 |
Return on Equity (ROE) | 9.8500% | 2,194 |
Retained earnings to average equity (ytd only) | 6.4436% | 1,642 |
Net charge-offs to loans | -0.0579% | 4,357 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 64.5072% | 2,675 |
Assets per employee ($millions) | 8.3913% | 1,321 |
Cash dividends to net income (ytd only)* | 34.5593% | 2,394 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4296% | 1,212 |
Loan loss allowance to noncurrent loans | 699.2593% | 954 |
Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,187 |
Noncurrent loans to loans | 0.2044% | 2,698 |
Net loans and leases to total assets | 33.7200% | 4,158 |
Net loans and leases to deposits | 38.5707% | 4,184 |
Net loans and leases to core deposits | 40.0588% | 4,192 |
Total domestic deposits to total assets | 87.4400% | 1,731 |
Equity capital to assets | 9.0617% | 2,772 |
Core capital (leverage) ratio | 13.5866% | 895 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,791 |
Memoranda: | ||
Average total assets | $195,137,400 | 3,030 |
Average earning assets | $187,106,800 | 2,985 |
Average equity | $17,397,200 | 3,148 |
Average total loans | $63,872,200 | 3,647 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7063% | 4,405 |
Cost of funding earning assets | 1.3077% | 3,658 |
Net interest margin | 2.3985% | 4,006 |
Noninterest income to average assets | 0.2700% | 3,229 |
Noninterest expense to average assets | 1.6135% | 4,168 |
Loan and lease loss provision to assets | 0.0100% | 2,797 |
Net operating income to assets | 0.9138% | 2,335 |
Return on assets (ROA) | 0.9144% | 2,338 |
Pretax return on assets | 0.9451% | 2,703 |
Return on Equity (ROE) | 10.3000% | 2,102 |
Retained earnings to average equity (ytd only) | 8.8481% | 1,150 |
Net charge-offs to loans | -0.0884% | 4,432 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 62.8450% | 2,828 |
Assets per employee ($millions) | 8.6732% | 1,198 |
Cash dividends to net income (ytd only)* | 14.0835% | 2,718 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4614% | 1,155 |
Loan loss allowance to noncurrent loans | 608.3333% | 1,079 |
Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,165 |
Noncurrent loans to loans | 0.2402% | 2,571 |
Net loans and leases to total assets | 32.0800% | 4,219 |
Net loans and leases to deposits | 38.3231% | 4,220 |
Net loans and leases to core deposits | 40.0661% | 4,225 |
Total domestic deposits to total assets | 83.7000% | 2,663 |
Equity capital to assets | 9.9943% | 2,300 |
Core capital (leverage) ratio | 13.4151% | 966 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,827 |
Memoranda: | ||
Average total assets | $195,672,000 | 3,022 |
Average earning assets | $187,497,500 | 2,973 |
Average equity | $17,374,250 | 3,153 |
Average total loans | $63,332,250 | 3,668 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6559% | 4,420 |
Cost of funding earning assets | 1.2319% | 3,739 |
Net interest margin | 2.4240% | 3,972 |
Noninterest income to average assets | 0.2700% | 3,207 |
Noninterest expense to average assets | 1.6306% | 4,161 |
Loan and lease loss provision to assets | 0.0100% | 2,670 |
Net operating income to assets | 0.9208% | 2,250 |
Return on assets (ROA) | 0.9218% | 2,247 |
Pretax return on assets | 0.9527% | 2,615 |
Return on Equity (ROE) | 10.8500% | 1,933 |
Retained earnings to average equity (ytd only) | 9.5521% | 976 |
Net charge-offs to loans | -0.1274% | 4,474 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 62.8719% | 2,903 |
Assets per employee ($millions) | 8.8234% | 1,070 |
Cash dividends to net income (ytd only)* | 11.9420% | 2,701 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4726% | 1,154 |
Loan loss allowance to noncurrent loans | 580.9816% | 1,143 |
Noncurrent assets plus other real estate owned to assets | 0.0840% | 3,069 |
Noncurrent loans to loans | 0.2535% | 2,470 |
Net loans and leases to total assets | 32.6400% | 4,216 |
Net loans and leases to deposits | 38.4227% | 4,228 |
Net loans and leases to core deposits | 39.8499% | 4,238 |
Total domestic deposits to total assets | 84.9500% | 2,329 |
Equity capital to assets | 8.5903% | 3,039 |
Core capital (leverage) ratio | 13.1868% | 1,031 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,851 |
Memoranda: | ||
Average total assets | $194,401,333 | 3,036 |
Average earning assets | $186,386,000 | 2,984 |
Average equity | $16,520,000 | 3,198 |
Average total loans | $62,796,667 | 3,678 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5540% | 4,457 |
Cost of funding earning assets | 1.1353% | 3,828 |
Net interest margin | 2.4187% | 3,979 |
Noninterest income to average assets | 0.2900% | 2,998 |
Noninterest expense to average assets | 1.5667% | 4,224 |
Loan and lease loss provision to assets | 0.0200% | 2,205 |
Net operating income to assets | 0.9870% | 1,967 |
Return on assets (ROA) | 0.9890% | 1,969 |
Pretax return on assets | 1.0198% | 2,334 |
Return on Equity (ROE) | 11.7000% | 1,654 |
Retained earnings to average equity (ytd only) | 9.8039% | 1,155 |
Net charge-offs to loans | 0.0774% | 845 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 42.1667% | 1,023 |
Efficiency ratio | 60.0946% | 3,256 |
Assets per employee ($millions) | 8.8737% | 1,070 |
Cash dividends to net income (ytd only)* | 16.2162% | 2,063 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4533% | 1,207 |
Loan loss allowance to noncurrent loans | 1,028.7356% | 813 |
Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,381 |
Noncurrent loans to loans | 0.1413% | 2,900 |
Net loans and leases to total assets | 31.0900% | 4,257 |
Net loans and leases to deposits | 36.0944% | 4,261 |
Net loans and leases to core deposits | 37.2375% | 4,312 |
Total domestic deposits to total assets | 86.1200% | 2,053 |
Equity capital to assets | 8.3659% | 3,102 |
Core capital (leverage) ratio | 13.0771% | 1,018 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,874 |
Memoranda: | ||
Average total assets | $194,545,000 | 3,038 |
Average earning assets | $186,379,000 | 2,988 |
Average equity | $16,442,500 | 3,219 |
Average total loans | $62,042,000 | 3,695 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4199% | 4,426 |
Cost of funding earning assets | 0.7943% | 3,750 |
Net interest margin | 2.6256% | 3,934 |
Noninterest income to average assets | 0.2600% | 3,376 |
Noninterest expense to average assets | 1.6347% | 4,210 |
Loan and lease loss provision to assets | -0.0100% | 4,255 |
Net operating income to assets | 1.1082% | 1,898 |
Return on assets (ROA) | 1.1082% | 1,868 |
Pretax return on assets | 1.1365% | 2,298 |
Return on Equity (ROE) | 16.3700% | 1,048 |
Retained earnings to average equity (ytd only) | 10.4911% | 910 |
Net charge-offs to loans | 0.1608% | 654 |
Credit loss provision to net charge-offs | -34.2857% | 4,451 |
Earnings coverage of net charge-offs (x) | 21.9429% | 1,827 |
Efficiency ratio | 59.2285% | 3,165 |
Assets per employee ($millions) | 8.4291% | 1,209 |
Cash dividends to net income (ytd only)* | 35.9189% | 2,304 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4512% | 1,197 |
Loan loss allowance to noncurrent loans | 3,239.2857% | 345 |
Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,662 |
Noncurrent loans to loans | 0.0448% | 3,400 |
Net loans and leases to total assets | 31.7700% | 4,255 |
Net loans and leases to deposits | 37.0898% | 4,256 |
Net loans and leases to core deposits | 38.1871% | 4,311 |
Total domestic deposits to total assets | 85.6600% | 2,120 |
Equity capital to assets | 8.5382% | 3,022 |
Core capital (leverage) ratio | 12.7915% | 1,119 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $204,750,800 | 2,956 |
Average earning assets | $195,267,000 | 2,910 |
Average equity | $13,859,400 | 3,355 |
Average total loans | $65,297,000 | 3,626 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3519% | 4,433 |
Cost of funding earning assets | 0.7431% | 3,666 |
Net interest margin | 2.6088% | 4,021 |
Noninterest income to average assets | 0.2600% | 3,384 |
Noninterest expense to average assets | 1.6265% | 4,210 |
Loan and lease loss provision to assets | 0.0700% | 1,559 |
Net operating income to assets | 1.0218% | 2,297 |
Return on assets (ROA) | 1.0218% | 2,286 |
Pretax return on assets | 1.0507% | 2,710 |
Return on Equity (ROE) | 16.0800% | 1,244 |
Retained earnings to average equity (ytd only) | 13.5494% | 735 |
Net charge-offs to loans | 0.0020% | 2,496 |
Credit loss provision to net charge-offs | 9,000.0000% | 56 |
Earnings coverage of net charge-offs (x) | 1,737.0000% | 84 |
Efficiency ratio | 59.3018% | 3,046 |
Assets per employee ($millions) | 5.9008% | 2,835 |
Cash dividends to net income (ytd only)* | 15.7233% | 2,618 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8083% | 561 |
Loan loss allowance to noncurrent loans | 55.5447% | 3,592 |
Noncurrent assets plus other real estate owned to assets | 1.0512% | 477 |
Noncurrent loans to loans | 3.2556% | 120 |
Net loans and leases to total assets | 31.7100% | 4,286 |
Net loans and leases to deposits | 35.9041% | 4,301 |
Net loans and leases to core deposits | 36.8232% | 4,313 |
Total domestic deposits to total assets | 88.3100% | 1,470 |
Equity capital to assets | 6.1455% | 3,937 |
Core capital (leverage) ratio | 12.3230% | 1,295 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $207,471,250 | 2,942 |
Average earning assets | $197,736,500 | 2,893 |
Average equity | $13,186,000 | 3,402 |
Average total loans | $65,995,750 | 3,619 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3175% | 4,454 |
Cost of funding earning assets | 0.7069% | 3,468 |
Net interest margin | 2.6106% | 4,101 |
Noninterest income to average assets | 0.2500% | 3,420 |
Noninterest expense to average assets | 1.6522% | 4,207 |
Loan and lease loss provision to assets | 0.1000% | 1,140 |
Net operating income to assets | 0.9579% | 2,554 |
Return on assets (ROA) | 0.9579% | 2,548 |
Pretax return on assets | 0.9862% | 2,955 |
Return on Equity (ROE) | 14.9200% | 1,488 |
Retained earnings to average equity (ytd only) | 12.4335% | 898 |
Net charge-offs to loans | -0.0030% | 3,605 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 60.4145% | 2,911 |
Assets per employee ($millions) | 9.3193% | 821 |
Cash dividends to net income (ytd only)* | 16.6667% | 2,547 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7654% | 662 |
Loan loss allowance to noncurrent loans | 55.6696% | 3,602 |
Noncurrent assets plus other real estate owned to assets | 0.9979% | 471 |
Noncurrent loans to loans | 3.1713% | 129 |
Net loans and leases to total assets | 30.9100% | 4,310 |
Net loans and leases to deposits | 35.0734% | 4,314 |
Net loans and leases to core deposits | 35.8932% | 4,328 |
Total domestic deposits to total assets | 88.1400% | 1,555 |
Equity capital to assets | 6.6295% | 3,931 |
Core capital (leverage) ratio | 12.3305% | 1,228 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $211,719,000 | 2,923 |
Average earning assets | $201,719,333 | 2,880 |
Average equity | $13,592,333 | 3,388 |
Average total loans | $67,035,333 | 3,610 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3070% | 4,432 |
Cost of funding earning assets | 0.6704% | 3,152 |
Net interest margin | 2.6366% | 4,168 |
Noninterest income to average assets | 0.2800% | 3,222 |
Noninterest expense to average assets | 1.4470% | 4,432 |
Loan and lease loss provision to assets | 0.1700% | 639 |
Net operating income to assets | 1.1457% | 2,079 |
Return on assets (ROA) | 1.1457% | 2,052 |
Pretax return on assets | 1.1736% | 2,501 |
Return on Equity (ROE) | 18.1300% | 1,012 |
Retained earnings to average equity (ytd only) | 13.9489% | 947 |
Net charge-offs to loans | -0.0293% | 4,212 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 51.9013% | 3,789 |
Assets per employee ($millions) | 8.9311% | 961 |
Cash dividends to net income (ytd only)* | 23.0519% | 1,901 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7320% | 755 |
Loan loss allowance to noncurrent loans | 54.4545% | 3,672 |
Noncurrent assets plus other real estate owned to assets | 0.9793% | 423 |
Noncurrent loans to loans | 3.1806% | 136 |
Net loans and leases to total assets | 30.2600% | 4,361 |
Net loans and leases to deposits | 34.2254% | 4,373 |
Net loans and leases to core deposits | 34.9264% | 4,382 |
Total domestic deposits to total assets | 88.4000% | 1,779 |
Equity capital to assets | 6.5707% | 4,009 |
Core capital (leverage) ratio | 11.0186% | 1,836 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $215,066,500 | 2,942 |
Average earning assets | $204,657,000 | 2,899 |
Average equity | $13,592,500 | 3,429 |
Average total loans | $68,294,500 | 3,634 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9273% | 4,219 |
Cost of funding earning assets | 0.4613% | 1,642 |
Net interest margin | 2.4660% | 4,313 |
Noninterest income to average assets | 0.2500% | 3,641 |
Noninterest expense to average assets | 1.4961% | 4,430 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.1019% | 2,166 |
Return on assets (ROA) | 1.1036% | 2,094 |
Pretax return on assets | 1.1259% | 2,684 |
Return on Equity (ROE) | 15.3600% | 1,176 |
Retained earnings to average equity (ytd only) | 10.2189% | 1,090 |
Net charge-offs to loans | 0.0042% | 2,296 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 842.0000% | 220 |
Efficiency ratio | 57.0992% | 3,458 |
Assets per employee ($millions) | 8.9911% | 922 |
Cash dividends to net income (ytd only)* | 33.4677% | 2,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3259% | 1,780 |
Loan loss allowance to noncurrent loans | 813.9130% | 1,150 |
Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,218 |
Noncurrent loans to loans | 0.1629% | 2,677 |
Net loans and leases to total assets | 32.2800% | 4,331 |
Net loans and leases to deposits | 36.3696% | 4,335 |
Net loans and leases to core deposits | 36.8075% | 4,361 |
Total domestic deposits to total assets | 88.7600% | 1,794 |
Equity capital to assets | 6.0713% | 4,064 |
Core capital (leverage) ratio | 10.8410% | 1,922 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $224,710,800 | 2,875 |
Average earning assets | $216,346,400 | 2,820 |
Average equity | $16,146,600 | 3,261 |
Average total loans | $70,855,200 | 3,567 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8435% | 4,136 |
Cost of funding earning assets | 0.4276% | 1,112 |
Net interest margin | 2.4159% | 4,303 |
Noninterest income to average assets | 0.2500% | 3,673 |
Noninterest expense to average assets | 1.4529% | 4,472 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.1016% | 2,081 |
Return on assets (ROA) | 1.1039% | 2,041 |
Pretax return on assets | 1.1251% | 2,643 |
Return on Equity (ROE) | 14.8200% | 1,215 |
Retained earnings to average equity (ytd only) | 12.4356% | 708 |
Net charge-offs to loans | -0.0056% | 3,509 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 56.4097% | 3,584 |
Assets per employee ($millions) | 9.0811% | 869 |
Cash dividends to net income (ytd only)* | 16.0724% | 2,621 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3102% | 1,985 |
Loan loss allowance to noncurrent loans | 759.6774% | 1,186 |
Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,324 |
Noncurrent loans to loans | 0.1725% | 2,731 |
Net loans and leases to total assets | 32.5600% | 4,353 |
Net loans and leases to deposits | 36.1898% | 4,358 |
Net loans and leases to core deposits | 36.5861% | 4,385 |
Total domestic deposits to total assets | 89.9600% | 1,678 |
Equity capital to assets | 5.0077% | 4,295 |
Core capital (leverage) ratio | 10.6585% | 1,984 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $226,942,000 | 2,882 |
Average earning assets | $218,878,250 | 2,828 |
Average equity | $16,908,000 | 3,246 |
Average total loans | $70,920,250 | 3,576 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7184% | 4,114 |
Cost of funding earning assets | 0.4187% | 814 |
Net interest margin | 2.2997% | 4,334 |
Noninterest income to average assets | 0.2409% | 3,729 |
Noninterest expense to average assets | 1.4439% | 4,483 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.0003% | 2,154 |
Return on assets (ROA) | 1.0037% | 2,112 |
Pretax return on assets | 1.0220% | 2,648 |
Return on Equity (ROE) | 12.2078% | 1,616 |
Retained earnings to average equity (ytd only) | 10.2613% | 958 |
Net charge-offs to loans | 0.0028% | 1,972 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 1,171.0000% | 105 |
Efficiency ratio | 58.6365% | 3,473 |
Assets per employee ($millions) | 9.7520% | 710 |
Cash dividends to net income (ytd only)* | 15.9445% | 2,615 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3087% | 2,153 |
Loan loss allowance to noncurrent loans | 1,839.2157% | 592 |
Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,773 |
Noncurrent loans to loans | 0.0712% | 3,444 |
Net loans and leases to total assets | 31.5363% | 4,414 |
Net loans and leases to deposits | 34.1558% | 4,444 |
Net loans and leases to core deposits | 34.5091% | 4,466 |
Total domestic deposits to total assets | 92.3307% | 713 |
Equity capital to assets | 5.5150% | 4,358 |
Core capital (leverage) ratio | 10.1299% | 2,253 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $229,940,667 | 2,889 |
Average earning assets | $222,114,667 | 2,836 |
Average equity | $18,906,000 | 3,159 |
Average total loans | $70,593,667 | 3,613 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5620% | 4,181 |
Cost of funding earning assets | 0.4101% | 818 |
Net interest margin | 2.1519% | 4,398 |
Noninterest income to average assets | 0.2578% | 3,592 |
Noninterest expense to average assets | 1.3937% | 4,545 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.9297% | 2,154 |
Return on assets (ROA) | 0.9297% | 2,147 |
Pretax return on assets | 0.9469% | 2,607 |
Return on Equity (ROE) | 9.7592% | 2,066 |
Retained earnings to average equity (ytd only) | 7.8109% | 1,638 |
Net charge-offs to loans | 0.0057% | 1,544 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | 551.0000% | 184 |
Efficiency ratio | 59.5448% | 3,530 |
Assets per employee ($millions) | 9.9248% | 695 |
Cash dividends to net income (ytd only)* | 19.9630% | 1,979 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3904% | 1,943 |
Loan loss allowance to noncurrent loans | 1,284.9315% | 749 |
Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,697 |
Noncurrent loans to loans | 0.1082% | 3,300 |
Net loans and leases to total assets | 27.9281% | 4,511 |
Net loans and leases to deposits | 31.7654% | 4,503 |
Net loans and leases to core deposits | 32.3243% | 4,523 |
Total domestic deposits to total assets | 87.9199% | 2,560 |
Equity capital to assets | 8.0548% | 3,527 |
Core capital (leverage) ratio | 10.0086% | 2,281 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $232,762,500 | 2,883 |
Average earning assets | $225,290,000 | 2,835 |
Average equity | $22,174,000 | 2,971 |
Average total loans | $70,054,000 | 3,617 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8832% | 4,087 |
Cost of funding earning assets | 0.4376% | 1,271 |
Net interest margin | 2.4455% | 4,260 |
Noninterest income to average assets | 0.2473% | 3,892 |
Noninterest expense to average assets | 1.4926% | 4,551 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.0712% | 2,408 |
Return on assets (ROA) | 1.0733% | 2,472 |
Pretax return on assets | 1.1098% | 2,934 |
Return on Equity (ROE) | 7.0458% | 3,504 |
Retained earnings to average equity (ytd only) | -36.9264% | 4,822 |
Net charge-offs to loans | -0.0252% | 4,066 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.4031% | 3,533 |
Assets per employee ($millions) | 9.4721% | 793 |
Cash dividends to net income (ytd only)* | 624.0891% | 4 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2926% | 2,392 |
Loan loss allowance to noncurrent loans | 1,422.7273% | 676 |
Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,798 |
Noncurrent loans to loans | 0.0909% | 3,473 |
Net loans and leases to total assets | 31.5434% | 4,466 |
Net loans and leases to deposits | 37.2059% | 4,439 |
Net loans and leases to core deposits | 37.8886% | 4,462 |
Total domestic deposits to total assets | 84.7808% | 3,335 |
Equity capital to assets | 11.0684% | 1,752 |
Core capital (leverage) ratio | 10.2251% | 2,151 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $230,131,000 | 2,843 |
Average earning assets | $221,423,800 | 2,803 |
Average equity | $35,056,200 | 2,291 |
Average total loans | $75,405,600 | 3,548 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9136% | 4,149 |
Cost of funding earning assets | 0.4452% | 1,385 |
Net interest margin | 2.4684% | 4,329 |
Noninterest income to average assets | 0.2466% | 3,921 |
Noninterest expense to average assets | 1.4417% | 4,650 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.1345% | 2,423 |
Return on assets (ROA) | 1.1373% | 2,475 |
Pretax return on assets | 1.1777% | 2,998 |
Return on Equity (ROE) | 6.9952% | 3,668 |
Retained earnings to average equity (ytd only) | -22.9004% | 4,889 |
Net charge-offs to loans | -0.0543% | 4,394 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.0993% | 3,644 |
Assets per employee ($millions) | 8.7590% | 974 |
Cash dividends to net income (ytd only)* | 427.3743% | 11 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2572% | 2,693 |
Loan loss allowance to noncurrent loans | 1,378.2609% | 621 |
Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,938 |
Noncurrent loans to loans | 0.0912% | 3,620 |
Net loans and leases to total assets | 31.5830% | 4,549 |
Net loans and leases to deposits | 38.4271% | 4,506 |
Net loans and leases to core deposits | 39.1250% | 4,537 |
Total domestic deposits to total assets | 82.1894% | 3,890 |
Equity capital to assets | 13.7640% | 787 |
Core capital (leverage) ratio | 12.6478% | 943 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $230,831,000 | 2,872 |
Average earning assets | $221,624,750 | 2,828 |
Average equity | $37,529,750 | 2,199 |
Average total loans | $76,095,250 | 3,593 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7981% | 4,342 |
Cost of funding earning assets | 0.4577% | 1,468 |
Net interest margin | 2.3404% | 4,475 |
Noninterest income to average assets | 0.2498% | 3,905 |
Noninterest expense to average assets | 1.4729% | 4,648 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.9778% | 2,968 |
Return on assets (ROA) | 0.9819% | 3,043 |
Pretax return on assets | 1.0282% | 3,377 |
Return on Equity (ROE) | 5.7363% | 3,971 |
Retained earnings to average equity (ytd only) | 4.5267% | 3,351 |
Net charge-offs to loans | -0.0761% | 4,535 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.9923% | 3,154 |
Assets per employee ($millions) | 8.4878% | 1,012 |
Cash dividends to net income (ytd only)* | 21.0854% | 2,460 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2154% | 2,844 |
Loan loss allowance to noncurrent loans | 1,248.6842% | 625 |
Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,910 |
Noncurrent loans to loans | 0.0973% | 3,697 |
Net loans and leases to total assets | 32.4552% | 4,575 |
Net loans and leases to deposits | 40.9506% | 4,493 |
Net loans and leases to core deposits | 41.7171% | 4,524 |
Total domestic deposits to total assets | 79.2546% | 4,316 |
Equity capital to assets | 16.6551% | 355 |
Core capital (leverage) ratio | 15.8550% | 388 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $228,943,333 | 2,884 |
Average earning assets | $219,792,667 | 2,830 |
Average equity | $39,189,333 | 2,128 |
Average total loans | $76,246,000 | 3,614 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8154% | 4,363 |
Cost of funding earning assets | 0.4698% | 1,594 |
Net interest margin | 2.3455% | 4,471 |
Noninterest income to average assets | 0.2547% | 3,873 |
Noninterest expense to average assets | 1.4337% | 4,707 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.0528% | 2,627 |
Return on assets (ROA) | 1.0615% | 2,681 |
Pretax return on assets | 1.0793% | 3,168 |
Return on Equity (ROE) | 6.1139% | 3,828 |
Retained earnings to average equity (ytd only) | 4.5957% | 3,341 |
Net charge-offs to loans | -0.1062% | 4,652 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.2546% | 3,400 |
Assets per employee ($millions) | 8.5911% | 958 |
Cash dividends to net income (ytd only)* | 24.8322% | 1,865 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2633% | 2,598 |
Loan loss allowance to noncurrent loans | 701.4925% | 897 |
Noncurrent assets plus other real estate owned to assets | 0.1285% | 3,531 |
Noncurrent loans to loans | 0.1801% | 3,460 |
Net loans and leases to total assets | 31.6731% | 4,640 |
Net loans and leases to deposits | 39.7801% | 4,573 |
Net loans and leases to core deposits | 40.4639% | 4,610 |
Total domestic deposits to total assets | 79.6206% | 4,249 |
Equity capital to assets | 16.6611% | 341 |
Core capital (leverage) ratio | 16.3531% | 354 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $224,586,500 | 2,901 |
Average earning assets | $215,390,000 | 2,851 |
Average equity | $38,993,000 | 2,125 |
Average total loans | $75,328,500 | 3,648 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4443% | 4,133 |
Cost of funding earning assets | 0.6045% | 2,270 |
Net interest margin | 2.8398% | 4,200 |
Noninterest income to average assets | 0.2409% | 4,055 |
Noninterest expense to average assets | 1.6066% | 4,699 |
Loan and lease loss provision to assets | 0.0314% | 4,007 |
Net operating income to assets | 1.3043% | 1,236 |
Return on assets (ROA) | 1.3067% | 1,333 |
Pretax return on assets | 1.3279% | 1,892 |
Return on Equity (ROE) | 7.1847% | 3,132 |
Retained earnings to average equity (ytd only) | 4.5007% | 2,530 |
Net charge-offs to loans | 0.0169% | 2,755 |
Credit loss provision to net charge-offs | 500.0000% | 1,248 |
Earnings coverage of net charge-offs (x) | 215.7692% | 444 |
Efficiency ratio | 54.2116% | 4,190 |
Assets per employee ($millions) | 8.0449% | 1,024 |
Cash dividends to net income (ytd only)* | 37.3565% | 2,480 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2066% | 2,910 |
Loan loss allowance to noncurrent loans | 938.7755% | 706 |
Noncurrent assets plus other real estate owned to assets | 0.1386% | 3,600 |
Noncurrent loans to loans | 0.1285% | 3,766 |
Net loans and leases to total assets | 34.6793% | 4,621 |
Net loans and leases to deposits | 44.5567% | 4,512 |
Net loans and leases to core deposits | 45.2986% | 4,562 |
Total domestic deposits to total assets | 77.8319% | 4,336 |
Equity capital to assets | 18.1108% | 266 |
Core capital (leverage) ratio | 16.8739% | 322 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $206,710,600 | 2,890 |
Average earning assets | $198,184,800 | 2,844 |
Average equity | $37,593,800 | 2,104 |
Average total loans | $77,115,000 | 3,608 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5351% | 4,147 |
Cost of funding earning assets | 0.6325% | 2,419 |
Net interest margin | 2.9027% | 4,179 |
Noninterest income to average assets | 0.2437% | 4,023 |
Noninterest expense to average assets | 1.5817% | 4,744 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 1.4217% | 1,054 |
Return on assets (ROA) | 1.4249% | 1,134 |
Pretax return on assets | 1.4477% | 1,583 |
Return on Equity (ROE) | 7.8259% | 2,871 |
Retained earnings to average equity (ytd only) | 5.7986% | 2,183 |
Net charge-offs to loans | -0.0086% | 4,191 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.2668% | 4,321 |
Assets per employee ($millions) | 7.9725% | 1,008 |
Cash dividends to net income (ytd only)* | 25.9055% | 2,545 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1859% | 2,747 |
Loan loss allowance to noncurrent loans | 721.4876% | 800 |
Noncurrent assets plus other real estate owned to assets | 0.1510% | 3,661 |
Noncurrent loans to loans | 0.1644% | 3,726 |
Net loans and leases to total assets | 33.7922% | 4,745 |
Net loans and leases to deposits | 43.4010% | 4,679 |
Net loans and leases to core deposits | 44.1284% | 4,710 |
Total domestic deposits to total assets | 77.8604% | 4,220 |
Equity capital to assets | 18.1797% | 289 |
Core capital (leverage) ratio | 17.0658% | 335 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $204,085,000 | 2,888 |
Average earning assets | $195,631,750 | 2,847 |
Average equity | $37,157,500 | 2,114 |
Average total loans | $77,331,750 | 3,620 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6469% | 4,179 |
Cost of funding earning assets | 0.6584% | 2,636 |
Net interest margin | 2.9884% | 4,150 |
Noninterest income to average assets | 0.2246% | 4,146 |
Noninterest expense to average assets | 1.6390% | 4,748 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 1.4205% | 1,067 |
Return on assets (ROA) | 1.4254% | 1,149 |
Pretax return on assets | 1.4494% | 1,591 |
Return on Equity (ROE) | 7.8249% | 2,819 |
Retained earnings to average equity (ytd only) | 5.7591% | 2,173 |
Net charge-offs to loans | -0.0305% | 4,553 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.1564% | 4,269 |
Assets per employee ($millions) | 7.5819% | 1,137 |
Cash dividends to net income (ytd only)* | 26.4006% | 2,502 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1248% | 2,904 |
Loan loss allowance to noncurrent loans | 66.8185% | 3,775 |
Noncurrent assets plus other real estate owned to assets | 0.9666% | 1,247 |
Noncurrent loans to loans | 1.6833% | 859 |
Net loans and leases to total assets | 36.4391% | 4,710 |
Net loans and leases to deposits | 46.7918% | 4,626 |
Net loans and leases to core deposits | 47.5847% | 4,676 |
Total domestic deposits to total assets | 77.8750% | 4,202 |
Equity capital to assets | 18.1282% | 293 |
Core capital (leverage) ratio | 17.2214% | 330 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $200,361,000 | 2,898 |
Average earning assets | $191,671,333 | 2,862 |
Average equity | $36,499,000 | 2,131 |
Average total loans | $78,571,333 | 3,609 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7922% | 4,250 |
Cost of funding earning assets | 0.6840% | 3,001 |
Net interest margin | 3.1082% | 4,078 |
Noninterest income to average assets | 0.2963% | 3,748 |
Noninterest expense to average assets | 1.6317% | 4,834 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.6114% | 614 |
Return on assets (ROA) | 1.6214% | 656 |
Pretax return on assets | 1.6482% | 954 |
Return on Equity (ROE) | 8.8774% | 2,163 |
Retained earnings to average equity (ytd only) | 6.1060% | 1,833 |
Net charge-offs to loans | -0.0203% | 4,341 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.9056% | 4,671 |
Assets per employee ($millions) | 6.9920% | 1,094 |
Cash dividends to net income (ytd only)* | 31.2183% | 2,117 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1178% | 3,099 |
Loan loss allowance to noncurrent loans | 1,117.9487% | 518 |
Noncurrent assets plus other real estate owned to assets | 0.4408% | 2,700 |
Noncurrent loans to loans | 0.1000% | 4,108 |
Net loans and leases to total assets | 39.4020% | 4,687 |
Net loans and leases to deposits | 48.2460% | 4,650 |
Net loans and leases to core deposits | 48.9330% | 4,703 |
Total domestic deposits to total assets | 81.6689% | 3,505 |
Equity capital to assets | 18.0261% | 352 |
Core capital (leverage) ratio | 18.0113% | 334 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $194,394,500 | 2,913 |
Average earning assets | $185,961,000 | 2,860 |
Average equity | $35,506,000 | 2,173 |
Average total loans | $78,738,000 | 3,605 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9091% | 4,422 |
Cost of funding earning assets | 0.6598% | 3,364 |
Net interest margin | 3.2493% | 4,084 |
Noninterest income to average assets | 0.2539% | 4,156 |
Noninterest expense to average assets | 1.7226% | 4,852 |
Loan and lease loss provision to assets | 0.4675% | 282 |
Net operating income to assets | 1.1672% | 2,187 |
Return on assets (ROA) | 1.1667% | 2,286 |
Pretax return on assets | 1.1780% | 2,918 |
Return on Equity (ROE) | 6.5130% | 3,736 |
Retained earnings to average equity (ytd only) | 3.3662% | 3,329 |
Net charge-offs to loans | 1.2514% | 123 |
Credit loss provision to net charge-offs | 91.0373% | 2,640 |
Earnings coverage of net charge-offs (x) | 3.2054% | 3,347 |
Efficiency ratio | 51.1360% | 4,658 |
Assets per employee ($millions) | 6.6556% | 1,208 |
Cash dividends to net income (ytd only)* | 48.3156% | 2,173 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0923% | 2,996 |
Loan loss allowance to noncurrent loans | 1,112.8205% | 533 |
Noncurrent assets plus other real estate owned to assets | 0.5425% | 2,264 |
Noncurrent loans to loans | 0.0982% | 4,133 |
Net loans and leases to total assets | 40.7208% | 4,709 |
Net loans and leases to deposits | 50.2044% | 4,680 |
Net loans and leases to core deposits | 50.7674% | 4,737 |
Total domestic deposits to total assets | 81.1100% | 3,744 |
Equity capital to assets | 18.5071% | 331 |
Core capital (leverage) ratio | 17.7289% | 358 |
Tier 1 risk-based capital ratio | 35.1973% | 327 |
Total risk-based capital ratio | 36.0822% | 327 |
Memoranda: | ||
Average total assets | $193,371,000 | 2,893 |
Average earning assets | $185,363,000 | 2,836 |
Average equity | $34,638,600 | 2,160 |
Average total loans | $79,351,600 | 3,614 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9080% | 4,528 |
Cost of funding earning assets | 0.6421% | 3,493 |
Net interest margin | 3.2659% | 4,155 |
Noninterest income to average assets | 0.2584% | 4,196 |
Noninterest expense to average assets | 1.6899% | 4,929 |
Loan and lease loss provision to assets | 0.0889% | 2,122 |
Net operating income to assets | 1.5934% | 947 |
Return on assets (ROA) | 1.5927% | 993 |
Pretax return on assets | 1.6127% | 1,592 |
Return on Equity (ROE) | 8.9655% | 2,902 |
Retained earnings to average equity (ytd only) | 6.4399% | 2,147 |
Net charge-offs to loans | 0.0387% | 2,312 |
Credit loss provision to net charge-offs | 560.8696% | 575 |
Earnings coverage of net charge-offs (x) | 107.3769% | 710 |
Efficiency ratio | 49.8171% | 4,755 |
Assets per employee ($millions) | 6.7476% | 1,134 |
Cash dividends to net income (ytd only)* | 28.1696% | 2,693 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3345% | 1,821 |
Loan loss allowance to noncurrent loans | 46.3585% | 4,232 |
Noncurrent assets plus other real estate owned to assets | 1.2290% | 1,018 |
Noncurrent loans to loans | 2.8787% | 356 |
Net loans and leases to total assets | 40.1625% | 4,812 |
Net loans and leases to deposits | 49.7370% | 4,779 |
Net loans and leases to core deposits | 51.1627% | 4,812 |
Total domestic deposits to total assets | 80.7497% | 3,820 |
Equity capital to assets | 18.5185% | 349 |
Core capital (leverage) ratio | 18.1864% | 341 |
Tier 1 risk-based capital ratio | 35.4525% | 333 |
Total risk-based capital ratio | 36.5288% | 332 |
Memoranda: | ||
Average total assets | $193,460,750 | 2,913 |
Average earning assets | $185,631,250 | 2,861 |
Average equity | $34,368,000 | 2,186 |
Average total loans | $79,323,500 | 3,650 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9634% | 4,450 |
Cost of funding earning assets | 0.6191% | 3,559 |
Net interest margin | 3.3443% | 4,040 |
Noninterest income to average assets | 0.2314% | 4,367 |
Noninterest expense to average assets | 1.6739% | 5,000 |
Loan and lease loss provision to assets | 0.0042% | 3,640 |
Net operating income to assets | 1.7372% | 675 |
Return on assets (ROA) | 1.7362% | 707 |
Pretax return on assets | 1.7590% | 1,151 |
Return on Equity (ROE) | 9.9155% | 2,434 |
Retained earnings to average equity (ytd only) | 7.3018% | 1,687 |
Net charge-offs to loans | -0.0126% | 4,396 |
Credit loss provision to net charge-offs | -80.0000% | 3,873 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.6870% | 4,857 |
Assets per employee ($millions) | 6.6348% | 1,169 |
Cash dividends to net income (ytd only)* | 26.3598% | 2,791 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2367% | 2,320 |
Loan loss allowance to noncurrent loans | 1,136.4706% | 537 |
Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,245 |
Noncurrent loans to loans | 0.1088% | 4,186 |
Net loans and leases to total assets | 40.0929% | 4,842 |
Net loans and leases to deposits | 49.6444% | 4,815 |
Net loans and leases to core deposits | 50.9592% | 4,844 |
Total domestic deposits to total assets | 80.7602% | 3,881 |
Equity capital to assets | 18.5315% | 329 |
Core capital (leverage) ratio | 17.9548% | 348 |
Tier 1 risk-based capital ratio | 35.7524% | 319 |
Total risk-based capital ratio | 36.7510% | 321 |
Memoranda: | ||
Average total assets | $192,721,000 | 2,935 |
Average earning assets | $184,790,670 | 2,874 |
Average equity | $33,745,000 | 2,212 |
Average total loans | $79,213,670 | 3,674 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9692% | 4,432 |
Cost of funding earning assets | 0.6073% | 3,531 |
Net interest margin | 3.3619% | 4,002 |
Noninterest income to average assets | 0.2758% | 4,035 |
Noninterest expense to average assets | 1.6902% | 5,026 |
Loan and lease loss provision to assets | 0.0083% | 3,329 |
Net operating income to assets | 1.7669% | 631 |
Return on assets (ROA) | 1.7649% | 650 |
Pretax return on assets | 1.7897% | 997 |
Return on Equity (ROE) | 10.3814% | 2,200 |
Retained earnings to average equity (ytd only) | 7.0022% | 2,042 |
Net charge-offs to loans | -0.0100% | 4,230 |
Credit loss provision to net charge-offs | -200.0000% | 3,626 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.4254% | 4,926 |
Assets per employee ($millions) | 6.6565% | 1,167 |
Cash dividends to net income (ytd only)* | 32.5499% | 2,156 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2451% | 2,352 |
Loan loss allowance to noncurrent loans | 776.6129% | 750 |
Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,425 |
Noncurrent loans to loans | 0.1603% | 4,024 |
Net loans and leases to total assets | 39.5684% | 4,903 |
Net loans and leases to deposits | 48.3541% | 4,871 |
Net loans and leases to core deposits | 49.6929% | 4,899 |
Total domestic deposits to total assets | 81.8305% | 3,771 |
Equity capital to assets | 17.3567% | 412 |
Core capital (leverage) ratio | 17.3441% | 393 |
Tier 1 risk-based capital ratio | 34.9715% | 324 |
Total risk-based capital ratio | 35.9643% | 324 |
Memoranda: | ||
Average total assets | $192,877,500 | 2,966 |
Average earning assets | $184,418,000 | 2,909 |
Average equity | $32,789,500 | 2,263 |
Average total loans | $79,766,500 | 3,699 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9576% | 4,145 |
Cost of funding earning assets | 0.5342% | 3,150 |
Net interest margin | 3.4234% | 3,931 |
Noninterest income to average assets | 0.3416% | 3,827 |
Noninterest expense to average assets | 1.8210% | 4,984 |
Loan and lease loss provision to assets | 0.0247% | 3,678 |
Net operating income to assets | 1.7502% | 616 |
Return on assets (ROA) | 1.7502% | 608 |
Pretax return on assets | 1.7717% | 990 |
Return on Equity (ROE) | 10.6416% | 2,227 |
Retained earnings to average equity (ytd only) | 5.9669% | 2,212 |
Net charge-offs to loans | 0.1593% | 1,208 |
Credit loss provision to net charge-offs | 37.0079% | 3,303 |
Earnings coverage of net charge-offs (x) | 26.9528% | 1,707 |
Efficiency ratio | 50.3409% | 4,919 |
Assets per employee ($millions) | 6.4239% | 1,250 |
Cash dividends to net income (ytd only)* | 43.9280% | 2,305 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1644% | 2,750 |
Loan loss allowance to noncurrent loans | 765.6000% | 760 |
Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,333 |
Noncurrent loans to loans | 0.1521% | 4,059 |
Net loans and leases to total assets | 42.1504% | 4,876 |
Net loans and leases to deposits | 51.2253% | 4,845 |
Net loans and leases to core deposits | 52.6356% | 4,885 |
Total domestic deposits to total assets | 82.2844% | 3,559 |
Equity capital to assets | 16.6431% | 452 |
Core capital (leverage) ratio | 17.3753% | 373 |
Tier 1 risk-based capital ratio | 32.7889% | 375 |
Total risk-based capital ratio | 33.7300% | 378 |
Memoranda: | ||
Average total assets | $190,550,600 | 2,958 |
Average earning assets | $182,331,200 | 2,894 |
Average equity | $31,339,400 | 2,262 |
Average total loans | $79,700,000 | 3,675 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9311% | 4,135 |
Cost of funding earning assets | 0.5161% | 3,089 |
Net interest margin | 3.4150% | 3,960 |
Noninterest income to average assets | 0.3621% | 3,713 |
Noninterest expense to average assets | 1.7774% | 5,059 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.8350% | 569 |
Return on assets (ROA) | 1.8350% | 568 |
Pretax return on assets | 1.8581% | 885 |
Return on Equity (ROE) | 11.1908% | 2,099 |
Retained earnings to average equity (ytd only) | 8.3364% | 1,499 |
Net charge-offs to loans | 0.1635% | 1,008 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | 27.2990% | 1,709 |
Efficiency ratio | 48.8902% | 5,006 |
Assets per employee ($millions) | 6.1478% | 1,384 |
Cash dividends to net income (ytd only)* | 25.5067% | 2,772 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1524% | 2,895 |
Loan loss allowance to noncurrent loans | 344.3223% | 1,494 |
Noncurrent assets plus other real estate owned to assets | 0.4004% | 3,083 |
Noncurrent loans to loans | 0.3347% | 3,466 |
Net loans and leases to total assets | 42.3069% | 4,945 |
Net loans and leases to deposits | 52.7252% | 4,863 |
Net loans and leases to core deposits | 53.2750% | 4,927 |
Total domestic deposits to total assets | 80.2404% | 4,057 |
Equity capital to assets | 16.4355% | 466 |
Core capital (leverage) ratio | 17.6331% | 363 |
Tier 1 risk-based capital ratio | 33.2395% | 361 |
Total risk-based capital ratio | 34.1745% | 367 |
Memoranda: | ||
Average total assets | $190,009,000 | 2,983 |
Average earning assets | $182,131,500 | 2,920 |
Average equity | $31,155,750 | 2,273 |
Average total loans | $79,078,000 | 3,713 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9076% | 4,059 |
Cost of funding earning assets | 0.5022% | 2,996 |
Net interest margin | 3.4054% | 3,936 |
Noninterest income to average assets | 0.3888% | 3,564 |
Noninterest expense to average assets | 1.7901% | 5,110 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.8407% | 535 |
Return on assets (ROA) | 1.8407% | 535 |
Pretax return on assets | 1.8639% | 854 |
Return on Equity (ROE) | 11.2347% | 2,025 |
Retained earnings to average equity (ytd only) | 8.3666% | 1,464 |
Net charge-offs to loans | 0.1713% | 911 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 26.4030% | 1,601 |
Efficiency ratio | 48.9908% | 5,076 |
Assets per employee ($millions) | 6.0605% | 1,422 |
Cash dividends to net income (ytd only)* | 25.5295% | 2,780 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2547% | 2,405 |
Loan loss allowance to noncurrent loans | 174.7748% | 2,494 |
Noncurrent assets plus other real estate owned to assets | 0.5445% | 2,597 |
Noncurrent loans to loans | 0.7179% | 2,317 |
Net loans and leases to total assets | 40.6316% | 5,039 |
Net loans and leases to deposits | 49.1488% | 4,999 |
Net loans and leases to core deposits | 49.6052% | 5,050 |
Total domestic deposits to total assets | 82.6705% | 3,504 |
Equity capital to assets | 16.6003% | 437 |
Core capital (leverage) ratio | 17.1616% | 378 |
Tier 1 risk-based capital ratio | 33.8488% | 349 |
Total risk-based capital ratio | 34.8508% | 349 |
Memoranda: | ||
Average total assets | $189,818,330 | 3,007 |
Average earning assets | $182,004,330 | 2,937 |
Average equity | $31,100,000 | 2,283 |
Average total loans | $78,247,670 | 3,747 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8841% | 3,974 |
Cost of funding earning assets | 0.5024% | 2,778 |
Net interest margin | 3.3817% | 3,943 |
Noninterest income to average assets | 0.4214% | 3,306 |
Noninterest expense to average assets | 1.8701% | 5,070 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.7695% | 592 |
Return on assets (ROA) | 1.7695% | 601 |
Pretax return on assets | 1.7967% | 918 |
Return on Equity (ROE) | 10.8707% | 2,023 |
Retained earnings to average equity (ytd only) | 7.5219% | 2,037 |
Net charge-offs to loans | -0.1372% | 5,299 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0006% | 5,024 |
Assets per employee ($millions) | 6.1464% | 1,405 |
Cash dividends to net income (ytd only)* | 30.8057% | 2,126 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3910% | 1,877 |
Loan loss allowance to noncurrent loans | 174.4262% | 2,497 |
Noncurrent assets plus other real estate owned to assets | 0.6660% | 2,328 |
Noncurrent loans to loans | 0.7974% | 2,216 |
Net loans and leases to total assets | 39.5881% | 5,086 |
Net loans and leases to deposits | 47.6242% | 5,051 |
Net loans and leases to core deposits | 47.9344% | 5,102 |
Total domestic deposits to total assets | 83.1261% | 3,624 |
Equity capital to assets | 16.0982% | 477 |
Core capital (leverage) ratio | 16.5325% | 428 |
Tier 1 risk-based capital ratio | 32.7488% | 385 |
Total risk-based capital ratio | 33.8361% | 380 |
Memoranda: | ||
Average total assets | $190,789,500 | 3,022 |
Average earning assets | $183,105,500 | 2,964 |
Average equity | $31,056,000 | 2,300 |
Average total loans | $78,718,000 | 3,764 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8186% | 3,988 |
Cost of funding earning assets | 0.5445% | 1,989 |
Net interest margin | 3.2741% | 4,237 |
Noninterest income to average assets | 0.2943% | 4,350 |
Noninterest expense to average assets | 1.7537% | 5,279 |
Loan and lease loss provision to assets | 0.0681% | 2,840 |
Net operating income to assets | 1.6099% | 638 |
Return on assets (ROA) | 1.6109% | 654 |
Pretax return on assets | 1.6251% | 1,226 |
Return on Equity (ROE) | 10.1856% | 1,812 |
Retained earnings to average equity (ytd only) | 6.0073% | 1,537 |
Net charge-offs to loans | 0.3628% | 698 |
Credit loss provision to net charge-offs | 47.1831% | 3,364 |
Earnings coverage of net charge-offs (x) | 11.7218% | 2,538 |
Efficiency ratio | 50.8925% | 5,175 |
Assets per employee ($millions) | 6.1626% | 1,408 |
Cash dividends to net income (ytd only)* | 41.0224% | 2,813 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2812% | 2,313 |
Loan loss allowance to noncurrent loans | 102.3692% | 3,477 |
Noncurrent assets plus other real estate owned to assets | 0.6166% | 2,479 |
Noncurrent loans to loans | 1.2515% | 1,407 |
Net loans and leases to total assets | 41.8259% | 5,070 |
Net loans and leases to deposits | 51.0063% | 5,026 |
Net loans and leases to core deposits | 51.4752% | 5,085 |
Total domestic deposits to total assets | 82.0013% | 3,872 |
Equity capital to assets | 16.4566% | 462 |
Core capital (leverage) ratio | 16.2088% | 448 |
Tier 1 risk-based capital ratio | 31.0150% | 416 |
Total risk-based capital ratio | 32.0375% | 428 |
Memoranda: | ||
Average total assets | $196,726,000 | 2,953 |
Average earning assets | $189,363,400 | 2,872 |
Average equity | $31,112,400 | 2,286 |
Average total loans | $78,271,600 | 3,785 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7807% | 4,066 |
Cost of funding earning assets | 0.5493% | 1,898 |
Net interest margin | 3.2314% | 4,382 |
Noninterest income to average assets | 0.2994% | 4,387 |
Noninterest expense to average assets | 1.7259% | 5,346 |
Loan and lease loss provision to assets | 0.0686% | 2,701 |
Net operating income to assets | 1.6028% | 714 |
Return on assets (ROA) | 1.6042% | 727 |
Pretax return on assets | 1.6176% | 1,359 |
Return on Equity (ROE) | 10.2434% | 2,019 |
Retained earnings to average equity (ytd only) | 7.8630% | 1,278 |
Net charge-offs to loans | 0.3402% | 617 |
Credit loss provision to net charge-offs | 51.5152% | 2,897 |
Earnings coverage of net charge-offs (x) | 12.6466% | 2,411 |
Efficiency ratio | 50.6017% | 5,208 |
Assets per employee ($millions) | 6.2785% | 1,319 |
Cash dividends to net income (ytd only)* | 23.2383% | 3,018 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3807% | 1,974 |
Loan loss allowance to noncurrent loans | 92.5360% | 3,659 |
Noncurrent assets plus other real estate owned to assets | 0.6551% | 2,539 |
Noncurrent loans to loans | 1.4921% | 1,252 |
Net loans and leases to total assets | 40.0375% | 5,197 |
Net loans and leases to deposits | 49.1641% | 5,151 |
Net loans and leases to core deposits | 49.7240% | 5,206 |
Total domestic deposits to total assets | 81.4365% | 3,933 |
Equity capital to assets | 16.6183% | 472 |
Core capital (leverage) ratio | 16.1606% | 472 |
Tier 1 risk-based capital ratio | 31.1709% | 439 |
Total risk-based capital ratio | 32.2534% | 441 |
Memoranda: | ||
Average total assets | $198,147,000 | 2,967 |
Average earning assets | $190,787,500 | 2,882 |
Average equity | $31,030,750 | 2,301 |
Average total loans | $77,604,000 | 3,832 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7456% | 4,091 |
Cost of funding earning assets | 0.5516% | 1,768 |
Net interest margin | 3.1940% | 4,438 |
Noninterest income to average assets | 0.2950% | 4,429 |
Noninterest expense to average assets | 1.7159% | 5,400 |
Loan and lease loss provision to assets | 0.0522% | 2,940 |
Net operating income to assets | 1.5955% | 715 |
Return on assets (ROA) | 1.5964% | 734 |
Pretax return on assets | 1.6075% | 1,322 |
Return on Equity (ROE) | 10.4012% | 1,881 |
Retained earnings to average equity (ytd only) | 7.9954% | 1,168 |
Net charge-offs to loans | 0.3241% | 627 |
Credit loss provision to net charge-offs | 41.6000% | 2,635 |
Earnings coverage of net charge-offs (x) | 13.2240% | 2,144 |
Efficiency ratio | 50.8475% | 5,252 |
Assets per employee ($millions) | 6.3206% | 1,246 |
Cash dividends to net income (ytd only)* | 23.1301% | 3,005 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4251% | 1,842 |
Loan loss allowance to noncurrent loans | 88.5533% | 3,774 |
Noncurrent assets plus other real estate owned to assets | 0.6910% | 2,484 |
Noncurrent loans to loans | 1.6093% | 1,148 |
Net loans and leases to total assets | 39.3262% | 5,246 |
Net loans and leases to deposits | 48.1158% | 5,213 |
Net loans and leases to core deposits | 48.7394% | 5,258 |
Total domestic deposits to total assets | 81.7325% | 3,965 |
Equity capital to assets | 16.3618% | 489 |
Core capital (leverage) ratio | 15.5307% | 540 |
Tier 1 risk-based capital ratio | 30.8132% | 437 |
Total risk-based capital ratio | 31.9276% | 442 |
Memoranda: | ||
Average total assets | $199,317,670 | 2,975 |
Average earning assets | $192,173,330 | 2,882 |
Average equity | $30,592,670 | 2,331 |
Average total loans | $77,132,670 | 3,861 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7038% | 4,111 |
Cost of funding earning assets | 0.5554% | 1,682 |
Net interest margin | 3.1484% | 4,510 |
Noninterest income to average assets | 0.3164% | 4,290 |
Noninterest expense to average assets | 1.7751% | 5,410 |
Loan and lease loss provision to assets | 0.0537% | 2,728 |
Net operating income to assets | 1.5064% | 797 |
Return on assets (ROA) | 1.5064% | 826 |
Pretax return on assets | 1.5223% | 1,465 |
Return on Equity (ROE) | 10.1408% | 1,908 |
Retained earnings to average equity (ytd only) | 7.4348% | 1,679 |
Net charge-offs to loans | 0.1514% | 1,052 |
Credit loss provision to net charge-offs | 93.1034% | 1,671 |
Earnings coverage of net charge-offs (x) | 27.3103% | 1,278 |
Efficiency ratio | 52.9691% | 5,207 |
Assets per employee ($millions) | 6.3272% | 1,275 |
Cash dividends to net income (ytd only)* | 26.6843% | 2,381 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5688% | 1,457 |
Loan loss allowance to noncurrent loans | 138.7588% | 2,969 |
Noncurrent assets plus other real estate owned to assets | 0.4218% | 3,495 |
Noncurrent loans to loans | 1.1306% | 1,803 |
Net loans and leases to total assets | 36.7210% | 5,378 |
Net loans and leases to deposits | 43.7875% | 5,367 |
Net loans and leases to core deposits | 44.3210% | 5,405 |
Total domestic deposits to total assets | 83.8618% | 3,530 |
Equity capital to assets | 14.9583% | 665 |
Core capital (leverage) ratio | 14.8480% | 636 |
Tier 1 risk-based capital ratio | 30.4795% | 463 |
Total risk-based capital ratio | 31.6773% | 461 |
Memoranda: | ||
Average total assets | $201,007,500 | 2,988 |
Average earning assets | $193,749,000 | 2,887 |
Average equity | $29,859,500 | 2,392 |
Average total loans | $76,614,500 | 3,894 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8016% | 3,909 |
Cost of funding earning assets | 0.5856% | 1,452 |
Net interest margin | 3.2160% | 4,398 |
Noninterest income to average assets | 0.3099% | 4,519 |
Noninterest expense to average assets | 1.6927% | 5,573 |
Loan and lease loss provision to assets | 0.1332% | 1,871 |
Net operating income to assets | 1.5646% | 736 |
Return on assets (ROA) | 1.6278% | 663 |
Pretax return on assets | 1.6418% | 1,162 |
Return on Equity (ROE) | 10.5305% | 1,757 |
Retained earnings to average equity (ytd only) | 5.4783% | 2,027 |
Net charge-offs to loans | 0.1729% | 1,581 |
Credit loss provision to net charge-offs | 193.4783% | 1,465 |
Earnings coverage of net charge-offs (x) | 24.8478% | 1,615 |
Efficiency ratio | 49.7288% | 5,500 |
Assets per employee ($millions) | 6.2358% | 1,308 |
Cash dividends to net income (ytd only)* | 47.9767% | 2,410 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5278% | 1,570 |
Loan loss allowance to noncurrent loans | 128.0475% | 3,129 |
Noncurrent assets plus other real estate owned to assets | 0.4646% | 3,397 |
Noncurrent loans to loans | 1.1931% | 1,720 |
Net loans and leases to total assets | 38.3412% | 5,390 |
Net loans and leases to deposits | 45.7978% | 5,374 |
Net loans and leases to core deposits | 46.3634% | 5,416 |
Total domestic deposits to total assets | 83.7185% | 3,532 |
Equity capital to assets | 14.7501% | 681 |
Core capital (leverage) ratio | 14.8120% | 630 |
Tier 1 risk-based capital ratio | 29.4057% | 500 |
Total risk-based capital ratio | 30.5860% | 494 |
Memoranda: | ||
Average total assets | $200,393,600 | 2,949 |
Average earning assets | $192,786,600 | 2,868 |
Average equity | $30,976,600 | 2,300 |
Average total loans | $79,801,200 | 3,799 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8287% | 3,839 |
Cost of funding earning assets | 0.5878% | 1,430 |
Net interest margin | 3.2409% | 4,373 |
Noninterest income to average assets | 0.3137% | 4,526 |
Noninterest expense to average assets | 1.6171% | 5,677 |
Loan and lease loss provision to assets | 0.1715% | 1,323 |
Net operating income to assets | 1.6239% | 695 |
Return on assets (ROA) | 1.7081% | 618 |
Pretax return on assets | 1.7287% | 1,041 |
Return on Equity (ROE) | 10.9257% | 1,696 |
Retained earnings to average equity (ytd only) | 7.9923% | 1,177 |
Net charge-offs to loans | 0.2075% | 1,129 |
Credit loss provision to net charge-offs | 206.4000% | 1,410 |
Earnings coverage of net charge-offs (x) | 21.8483% | 1,796 |
Efficiency ratio | 47.1146% | 5,623 |
Assets per employee ($millions) | 6.4489% | 1,140 |
Cash dividends to net income (ytd only)* | 26.8483% | 2,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5385% | 1,637 |
Loan loss allowance to noncurrent loans | 92.9017% | 3,763 |
Noncurrent assets plus other real estate owned to assets | 0.6413% | 2,979 |
Noncurrent loans to loans | 1.6560% | 1,286 |
Net loans and leases to total assets | 38.1275% | 5,461 |
Net loans and leases to deposits | 46.1412% | 5,452 |
Net loans and leases to core deposits | 46.6327% | 5,492 |
Total domestic deposits to total assets | 82.6322% | 3,733 |
Equity capital to assets | 16.2618% | 516 |
Core capital (leverage) ratio | 15.1557% | 603 |
Tier 1 risk-based capital ratio | 29.9176% | 483 |
Total risk-based capital ratio | 31.1153% | 479 |
Memoranda: | ||
Average total assets | $200,605,750 | 2,959 |
Average earning assets | $193,028,500 | 2,881 |
Average equity | $31,362,500 | 2,278 |
Average total loans | $80,327,750 | 3,814 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8585% | 3,746 |
Cost of funding earning assets | 0.5933% | 1,372 |
Net interest margin | 3.2652% | 4,333 |
Noninterest income to average assets | 0.3177% | 4,507 |
Noninterest expense to average assets | 1.6123% | 5,755 |
Loan and lease loss provision to assets | 0.2390% | 826 |
Net operating income to assets | 1.5928% | 737 |
Return on assets (ROA) | 1.6352% | 707 |
Pretax return on assets | 1.6551% | 1,209 |
Return on Equity (ROE) | 10.6004% | 1,804 |
Retained earnings to average equity (ytd only) | 7.6178% | 1,333 |
Net charge-offs to loans | 0.2903% | 821 |
Credit loss provision to net charge-offs | 203.3898% | 1,286 |
Earnings coverage of net charge-offs (x) | 15.7542% | 1,970 |
Efficiency ratio | 46.5497% | 5,732 |
Assets per employee ($millions) | 6.2059% | 1,259 |
Cash dividends to net income (ytd only)* | 28.1364% | 2,911 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5015% | 1,854 |
Loan loss allowance to noncurrent loans | 121.6495% | 3,303 |
Noncurrent assets plus other real estate owned to assets | 0.4884% | 3,579 |
Noncurrent loans to loans | 1.2343% | 1,863 |
Net loans and leases to total assets | 38.9795% | 5,470 |
Net loans and leases to deposits | 47.1334% | 5,454 |
Net loans and leases to core deposits | 47.5637% | 5,515 |
Total domestic deposits to total assets | 82.7005% | 3,759 |
Equity capital to assets | 16.1872% | 515 |
Core capital (leverage) ratio | 14.6047% | 697 |
Tier 1 risk-based capital ratio | 29.0657% | 540 |
Total risk-based capital ratio | 30.2465% | 532 |
Memoranda: | ||
Average total assets | $200,835,670 | 2,971 |
Average earning assets | $193,494,330 | 2,890 |
Average equity | $30,980,000 | 2,306 |
Average total loans | $81,299,000 | 3,817 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9119% | 3,548 |
Cost of funding earning assets | 0.6015% | 1,324 |
Net interest margin | 3.3104% | 4,186 |
Noninterest income to average assets | 0.3288% | 4,378 |
Noninterest expense to average assets | 1.6637% | 5,777 |
Loan and lease loss provision to assets | 0.0990% | 2,042 |
Net operating income to assets | 1.7254% | 540 |
Return on assets (ROA) | 1.7528% | 547 |
Pretax return on assets | 1.7766% | 883 |
Return on Equity (ROE) | 11.6459% | 1,413 |
Retained earnings to average equity (ytd only) | 8.0929% | 1,415 |
Net charge-offs to loans | -0.0339% | 5,118 |
Credit loss provision to net charge-offs | -714.2857% | 4,660 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.3773% | 5,754 |
Assets per employee ($millions) | 6.2895% | 1,229 |
Cash dividends to net income (ytd only)* | 30.5085% | 2,356 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3793% | 2,518 |
Loan loss allowance to noncurrent loans | 179.5491% | 2,424 |
Noncurrent assets plus other real estate owned to assets | 0.3086% | 4,337 |
Noncurrent loans to loans | 0.7682% | 2,918 |
Net loans and leases to total assets | 39.6114% | 5,470 |
Net loans and leases to deposits | 47.8022% | 5,425 |
Net loans and leases to core deposits | 48.3047% | 5,498 |
Total domestic deposits to total assets | 82.8652% | 3,944 |
Equity capital to assets | 15.4161% | 618 |
Core capital (leverage) ratio | 14.2465% | 746 |
Tier 1 risk-based capital ratio | 27.9292% | 612 |
Total risk-based capital ratio | 29.0227% | 611 |
Memoranda: | ||
Average total assets | $201,959,000 | 2,967 |
Average earning assets | $194,177,000 | 2,886 |
Average equity | $30,397,000 | 2,346 |
Average total loans | $82,654,000 | 3,790 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0029% | 3,297 |
Cost of funding earning assets | 0.6237% | 1,211 |
Net interest margin | 3.3792% | 3,991 |
Noninterest income to average assets | 0.3663% | 4,288 |
Noninterest expense to average assets | 1.6229% | 5,902 |
Loan and lease loss provision to assets | 0.0610% | 3,083 |
Net operating income to assets | 1.8937% | 411 |
Return on assets (ROA) | 1.9505% | 387 |
Pretax return on assets | 1.9956% | 541 |
Return on Equity (ROE) | 13.4157% | 967 |
Retained earnings to average equity (ytd only) | 6.5902% | 1,497 |
Net charge-offs to loans | 0.1341% | 2,022 |
Credit loss provision to net charge-offs | 108.8496% | 2,318 |
Earnings coverage of net charge-offs (x) | 35.6814% | 1,285 |
Efficiency ratio | 44.8125% | 5,960 |
Assets per employee ($millions) | 6.3330% | 1,178 |
Cash dividends to net income (ytd only)* | 50.8767% | 2,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2525% | 3,156 |
Loan loss allowance to noncurrent loans | 172.3127% | 2,531 |
Noncurrent assets plus other real estate owned to assets | 0.3410% | 4,225 |
Noncurrent loans to loans | 0.7269% | 3,002 |
Net loans and leases to total assets | 41.1596% | 5,457 |
Net loans and leases to deposits | 49.4801% | 5,417 |
Net loans and leases to core deposits | 50.0687% | 5,494 |
Total domestic deposits to total assets | 83.1842% | 3,781 |
Equity capital to assets | 14.6885% | 734 |
Core capital (leverage) ratio | 13.9721% | 829 |
Tier 1 risk-based capital ratio | 26.3639% | 718 |
Total risk-based capital ratio | 27.3650% | 712 |
Memoranda: | ||
Average total assets | $201,742,400 | 2,931 |
Average earning assets | $194,336,000 | 2,837 |
Average equity | $29,331,400 | 2,367 |
Average total loans | $84,265,800 | 3,716 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0127% | 3,290 |
Cost of funding earning assets | 0.6235% | 1,253 |
Net interest margin | 3.3892% | 4,003 |
Noninterest income to average assets | 0.3811% | 4,208 |
Noninterest expense to average assets | 1.5138% | 6,037 |
Loan and lease loss provision to assets | 0.0814% | 2,545 |
Net operating income to assets | 2.0011% | 364 |
Return on assets (ROA) | 2.0551% | 347 |
Pretax return on assets | 2.1106% | 490 |
Return on Equity (ROE) | 14.1714% | 868 |
Retained earnings to average equity (ytd only) | 10.1746% | 605 |
Net charge-offs to loans | 0.0966% | 2,188 |
Credit loss provision to net charge-offs | 201.6393% | 1,323 |
Earnings coverage of net charge-offs (x) | 52.9353% | 1,006 |
Efficiency ratio | 41.4718% | 6,100 |
Assets per employee ($millions) | 6.2171% | 1,225 |
Cash dividends to net income (ytd only)* | 28.2035% | 2,895 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3428% | 2,894 |
Loan loss allowance to noncurrent loans | 283.1633% | 1,691 |
Noncurrent assets plus other real estate owned to assets | 0.2156% | 4,899 |
Noncurrent loans to loans | 0.4742% | 3,940 |
Net loans and leases to total assets | 40.9933% | 5,541 |
Net loans and leases to deposits | 49.2765% | 5,500 |
Net loans and leases to core deposits | 49.7952% | 5,582 |
Total domestic deposits to total assets | 83.1905% | 3,734 |
Equity capital to assets | 15.2030% | 697 |
Core capital (leverage) ratio | 14.2259% | 803 |
Tier 1 risk-based capital ratio | 27.1433% | 676 |
Total risk-based capital ratio | 28.2135% | 668 |
Memoranda: | ||
Average total assets | $201,514,250 | 2,952 |
Average earning assets | $194,377,750 | 2,860 |
Average equity | $29,222,500 | 2,390 |
Average total loans | $84,214,750 | 3,751 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9972% | 3,302 |
Cost of funding earning assets | 0.6228% | 1,273 |
Net interest margin | 3.3744% | 3,990 |
Noninterest income to average assets | 0.4032% | 4,064 |
Noninterest expense to average assets | 1.5052% | 6,107 |
Loan and lease loss provision to assets | 0.1216% | 1,820 |
Net operating income to assets | 1.9631% | 390 |
Return on assets (ROA) | 2.0062% | 376 |
Pretax return on assets | 2.0764% | 510 |
Return on Equity (ROE) | 14.0575% | 890 |
Retained earnings to average equity (ytd only) | 10.3181% | 616 |
Net charge-offs to loans | 0.0189% | 3,317 |
Credit loss provision to net charge-offs | 1,537.5000% | 229 |
Earnings coverage of net charge-offs (x) | 272.3750% | 254 |
Efficiency ratio | 41.1399% | 6,181 |
Assets per employee ($millions) | 6.2184% | 1,206 |
Cash dividends to net income (ytd only)* | 26.6010% | 2,938 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3782% | 2,857 |
Loan loss allowance to noncurrent loans | 275.5924% | 1,727 |
Noncurrent assets plus other real estate owned to assets | 0.2156% | 5,005 |
Noncurrent loans to loans | 0.5001% | 3,964 |
Net loans and leases to total assets | 41.8237% | 5,514 |
Net loans and leases to deposits | 49.9199% | 5,508 |
Net loans and leases to core deposits | 50.5319% | 5,593 |
Total domestic deposits to total assets | 83.7816% | 3,657 |
Equity capital to assets | 14.6394% | 788 |
Core capital (leverage) ratio | 13.7475% | 918 |
Tier 1 risk-based capital ratio | 25.7979% | 795 |
Total risk-based capital ratio | 26.8925% | 792 |
Memoranda: | ||
Average total assets | $202,370,000 | 2,971 |
Average earning assets | $195,235,330 | 2,873 |
Average equity | $28,881,330 | 2,430 |
Average total loans | $84,731,330 | 3,760 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9708% | 3,335 |
Cost of funding earning assets | 0.6279% | 1,243 |
Net interest margin | 3.3428% | 4,050 |
Noninterest income to average assets | 0.5018% | 3,272 |
Noninterest expense to average assets | 1.5799% | 6,128 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 2.0092% | 333 |
Return on assets (ROA) | 2.0092% | 351 |
Pretax return on assets | 2.1464% | 437 |
Return on Equity (ROE) | 14.2576% | 831 |
Retained earnings to average equity (ytd only) | 9.3335% | 1,091 |
Net charge-offs to loans | -0.0094% | 4,694 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.3987% | 6,225 |
Assets per employee ($millions) | 6.1869% | 1,262 |
Cash dividends to net income (ytd only)* | 34.5366% | 2,209 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2480% | 3,703 |
Loan loss allowance to noncurrent loans | 174.1294% | 2,481 |
Noncurrent assets plus other real estate owned to assets | 0.2988% | 4,775 |
Noncurrent loans to loans | 0.7167% | 3,477 |
Net loans and leases to total assets | 40.6944% | 5,564 |
Net loans and leases to deposits | 48.8201% | 5,525 |
Net loans and leases to core deposits | 49.2294% | 5,626 |
Total domestic deposits to total assets | 83.3559% | 4,064 |
Equity capital to assets | 14.3901% | 864 |
Core capital (leverage) ratio | 13.0697% | 1,132 |
Tier 1 risk-based capital ratio | 25.1162% | 878 |
Total risk-based capital ratio | 25.1162% | 995 |
Memoranda: | ||
Average total assets | $204,060,000 | 2,966 |
Average earning assets | $196,839,000 | 2,875 |
Average equity | $28,756,500 | 2,447 |
Average total loans | $84,903,000 | 3,776 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0202% | 3,647 |
Cost of funding earning assets | 0.6405% | 1,467 |
Net interest margin | 3.3797% | 4,280 |
Noninterest income to average assets | 0.3461% | 4,630 |
Noninterest expense to average assets | 1.5937% | 6,244 |
Loan and lease loss provision to assets | 0.0647% | 3,212 |
Net operating income to assets | 1.9265% | 377 |
Return on assets (ROA) | 2.0594% | 302 |
Pretax return on assets | 2.0889% | 421 |
Return on Equity (ROE) | 15.5762% | 687 |
Retained earnings to average equity (ytd only) | 7.7640% | 1,105 |
Net charge-offs to loans | 0.0525% | 3,781 |
Credit loss provision to net charge-offs | 306.9767% | 850 |
Earnings coverage of net charge-offs (x) | 95.7907% | 545 |
Efficiency ratio | 44.1113% | 6,317 |
Assets per employee ($millions) | 6.1804% | 1,259 |
Cash dividends to net income (ytd only)* | 50.1547% | 2,271 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2233% | 3,864 |
Loan loss allowance to noncurrent loans | 262.6566% | 1,819 |
Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,227 |
Noncurrent loans to loans | 0.4657% | 4,258 |
Net loans and leases to total assets | 41.4916% | 5,657 |
Net loans and leases to deposits | 49.6777% | 5,597 |
Net loans and leases to core deposits | 50.2193% | 5,702 |
Total domestic deposits to total assets | 83.5216% | 3,910 |
Equity capital to assets | 14.4049% | 839 |
Core capital (leverage) ratio | 13.3869% | 1,005 |
Tier 1 risk-based capital ratio | 18.3871% | 2,021 |
Total risk-based capital ratio | 19.0964% | 2,153 |
Memoranda: | ||
Average total assets | $203,987,000 | 2,946 |
Average earning assets | $197,179,600 | 2,834 |
Average equity | $26,970,600 | 2,492 |
Average total loans | $81,942,600 | 3,819 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0025% | 3,749 |
Cost of funding earning assets | 0.6425% | 1,510 |
Net interest margin | 3.3600% | 4,391 |
Noninterest income to average assets | 0.3333% | 4,772 |
Noninterest expense to average assets | 1.5078% | 6,352 |
Loan and lease loss provision to assets | 0.0438% | 3,522 |
Net operating income to assets | 2.0024% | 345 |
Return on assets (ROA) | 2.1144% | 285 |
Pretax return on assets | 2.1418% | 415 |
Return on Equity (ROE) | 16.3575% | 634 |
Retained earnings to average equity (ytd only) | 5.7036% | 2,602 |
Net charge-offs to loans | -0.0049% | 5,295 |
Credit loss provision to net charge-offs | -2,233.3333% | 5,974 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.1139% | 6,413 |
Assets per employee ($millions) | 6.1881% | 1,212 |
Cash dividends to net income (ytd only)* | 65.1312% | 1,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2493% | 3,957 |
Loan loss allowance to noncurrent loans | 123.5294% | 3,158 |
Noncurrent assets plus other real estate owned to assets | 0.4079% | 4,698 |
Noncurrent loans to loans | 1.0114% | 3,047 |
Net loans and leases to total assets | 39.8295% | 5,825 |
Net loans and leases to deposits | 48.6820% | 5,726 |
Net loans and leases to core deposits | 49.2220% | 5,827 |
Total domestic deposits to total assets | 81.8156% | 4,544 |
Equity capital to assets | 13.6807% | 1,116 |
Core capital (leverage) ratio | 13.0019% | 1,175 |
Tier 1 risk-based capital ratio | 17.8466% | 2,258 |
Total risk-based capital ratio | 18.5475% | 2,435 |
Memoranda: | ||
Average total assets | $203,995,750 | 2,967 |
Average earning assets | $197,137,500 | 2,862 |
Average equity | $26,368,500 | 2,543 |
Average total loans | $81,010,500 | 3,878 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9772% | 3,830 |
Cost of funding earning assets | 0.6470% | 1,531 |
Net interest margin | 3.3303% | 4,471 |
Noninterest income to average assets | 0.3433% | 4,673 |
Noninterest expense to average assets | 1.4878% | 6,430 |
Loan and lease loss provision to assets | 0.0157% | 3,947 |
Net operating income to assets | 2.0279% | 318 |
Return on assets (ROA) | 2.1959% | 237 |
Pretax return on assets | 2.2253% | 346 |
Return on Equity (ROE) | 17.3259% | 518 |
Retained earnings to average equity (ytd only) | 3.7530% | 3,800 |
Net charge-offs to loans | -0.0025% | 5,075 |
Credit loss provision to net charge-offs | -1,600.0000% | 5,792 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.8021% | 6,487 |
Assets per employee ($millions) | 6.3388% | 1,094 |
Cash dividends to net income (ytd only)* | 78.3385% | 949 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2115% | 4,368 |
Loan loss allowance to noncurrent loans | 158.1848% | 2,605 |
Noncurrent assets plus other real estate owned to assets | 0.3042% | 5,151 |
Noncurrent loans to loans | 0.7659% | 3,793 |
Net loans and leases to total assets | 39.2342% | 5,879 |
Net loans and leases to deposits | 46.4014% | 5,861 |
Net loans and leases to core deposits | 46.8323% | 5,958 |
Total domestic deposits to total assets | 84.5539% | 3,700 |
Equity capital to assets | 13.3854% | 1,198 |
Core capital (leverage) ratio | 12.4780% | 1,408 |
Tier 1 risk-based capital ratio | 17.7585% | 2,325 |
Total risk-based capital ratio | 18.4367% | 2,503 |
Memoranda: | ||
Average total assets | $203,925,000 | 2,984 |
Average earning assets | $196,920,330 | 2,873 |
Average equity | $25,845,670 | 2,581 |
Average total loans | $80,559,330 | 3,893 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9433% | 3,915 |
Cost of funding earning assets | 0.6457% | 1,613 |
Net interest margin | 3.2976% | 4,546 |
Noninterest income to average assets | 0.3619% | 4,495 |
Noninterest expense to average assets | 1.5200% | 6,483 |
Loan and lease loss provision to assets | 0.0313% | 3,412 |
Net operating income to assets | 1.9629% | 362 |
Return on assets (ROA) | 2.2321% | 237 |
Pretax return on assets | 2.2595% | 325 |
Return on Equity (ROE) | 18.1161% | 435 |
Retained earnings to average equity (ytd only) | -0.8415% | 5,699 |
Net charge-offs to loans | 0.0050% | 3,562 |
Credit loss provision to net charge-offs | 1,600.0000% | 206 |
Earnings coverage of net charge-offs (x) | 1,032.0000% | 24 |
Efficiency ratio | 42.9519% | 6,524 |
Assets per employee ($millions) | 6.3435% | 1,088 |
Cash dividends to net income (ytd only)* | 104.6450% | 626 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2655% | 4,305 |
Loan loss allowance to noncurrent loans | 192.8713% | 2,160 |
Noncurrent assets plus other real estate owned to assets | 0.2412% | 5,471 |
Noncurrent loans to loans | 0.6561% | 4,222 |
Net loans and leases to total assets | 36.3024% | 6,054 |
Net loans and leases to deposits | 42.5720% | 6,044 |
Net loans and leases to core deposits | 43.0827% | 6,115 |
Total domestic deposits to total assets | 85.2730% | 3,730 |
Equity capital to assets | 12.2401% | 1,722 |
Core capital (leverage) ratio | 12.3129% | 1,470 |
Tier 1 risk-based capital ratio | 17.3698% | 2,528 |
Total risk-based capital ratio | 18.0461% | 2,740 |
Memoranda: | ||
Average total assets | $204,467,000 | 3,005 |
Average earning assets | $196,990,500 | 2,881 |
Average equity | $25,193,000 | 2,627 |
Average total loans | $80,559,500 | 3,915 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1213% | 3,658 |
Cost of funding earning assets | 0.7074% | 1,764 |
Net interest margin | 3.4139% | 4,225 |
Noninterest income to average assets | 0.3410% | 4,875 |
Noninterest expense to average assets | 1.5662% | 6,531 |
Loan and lease loss provision to assets | 0.0523% | 4,091 |
Net operating income to assets | 1.9354% | 376 |
Return on assets (ROA) | 1.9790% | 353 |
Pretax return on assets | 2.0318% | 448 |
Return on Equity (ROE) | 15.7159% | 656 |
Retained earnings to average equity (ytd only) | 12.4461% | 277 |
Net charge-offs to loans | 0.0929% | 3,918 |
Credit loss provision to net charge-offs | 140.0000% | 1,664 |
Earnings coverage of net charge-offs (x) | 54.5467% | 744 |
Efficiency ratio | 43.4398% | 6,625 |
Assets per employee ($millions) | 6.0484% | 1,246 |
Cash dividends to net income (ytd only)* | 20.8060% | 3,687 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1396% | 4,953 |
Loan loss allowance to noncurrent loans | 189.5257% | 2,193 |
Noncurrent assets plus other real estate owned to assets | 0.2535% | 5,501 |
Noncurrent loans to loans | 0.6013% | 4,480 |
Net loans and leases to total assets | 41.6798% | 5,845 |
Net loans and leases to deposits | 49.0369% | 5,828 |
Net loans and leases to core deposits | 49.6544% | 5,959 |
Total domestic deposits to total assets | 84.9968% | 3,755 |
Equity capital to assets | 12.4064% | 1,564 |
Core capital (leverage) ratio | 12.3550% | 1,423 |
Tier 1 risk-based capital ratio | 16.8640% | 2,673 |
Total risk-based capital ratio | 17.5090% | 2,935 |
Memoranda: | ||
Average total assets | $200,611,400 | 3,029 |
Average earning assets | $191,831,000 | 2,934 |
Average equity | $25,261,000 | 2,607 |
Average total loans | $80,734,600 | 3,913 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1210% | 3,675 |
Cost of funding earning assets | 0.7234% | 1,784 |
Net interest margin | 3.3976% | 4,298 |
Noninterest income to average assets | 0.3392% | 4,978 |
Noninterest expense to average assets | 1.4457% | 6,667 |
Loan and lease loss provision to assets | 0.0531% | 3,970 |
Net operating income to assets | 2.0262% | 348 |
Return on assets (ROA) | 2.0590% | 333 |
Pretax return on assets | 2.1228% | 457 |
Return on Equity (ROE) | 16.2924% | 611 |
Retained earnings to average equity (ytd only) | 11.9540% | 429 |
Net charge-offs to loans | 0.1252% | 3,280 |
Credit loss provision to net charge-offs | 106.6667% | 2,200 |
Earnings coverage of net charge-offs (x) | 43.0256% | 957 |
Efficiency ratio | 40.2960% | 6,747 |
Assets per employee ($millions) | 5.9843% | 1,252 |
Cash dividends to net income (ytd only)* | 26.6281% | 2,822 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1329% | 5,191 |
Loan loss allowance to noncurrent loans | 268.3908% | 1,515 |
Noncurrent assets plus other real estate owned to assets | 0.2299% | 5,753 |
Noncurrent loans to loans | 0.4221% | 5,141 |
Net loans and leases to total assets | 41.2739% | 5,951 |
Net loans and leases to deposits | 49.0903% | 5,898 |
Net loans and leases to core deposits | 49.6352% | 6,035 |
Total domestic deposits to total assets | 84.0776% | 4,156 |
Equity capital to assets | 12.2962% | 1,717 |
Core capital (leverage) ratio | 12.3000% | 1,519 |
Tier 1 risk-based capital ratio | 16.4460% | 2,964 |
Total risk-based capital ratio | 17.0806% | 3,235 |
Memoranda: | ||
Average total assets | $200,864,750 | 3,048 |
Average earning assets | $192,051,000 | 2,949 |
Average equity | $25,385,500 | 2,624 |
Average total loans | $79,880,500 | 3,975 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1327% | 3,616 |
Cost of funding earning assets | 0.7352% | 1,805 |
Net interest margin | 3.3975% | 4,195 |
Noninterest income to average assets | 0.3347% | 5,010 |
Noninterest expense to average assets | 1.4278% | 6,722 |
Loan and lease loss provision to assets | 0.0792% | 3,476 |
Net operating income to assets | 1.9997% | 360 |
Return on assets (ROA) | 2.0377% | 356 |
Pretax return on assets | 2.1159% | 486 |
Return on Equity (ROE) | 15.9826% | 673 |
Retained earnings to average equity (ytd only) | 11.9054% | 513 |
Net charge-offs to loans | 0.1898% | 2,617 |
Credit loss provision to net charge-offs | 106.6667% | 2,079 |
Earnings coverage of net charge-offs (x) | 29.0267% | 1,174 |
Efficiency ratio | 39.8453% | 6,804 |
Assets per employee ($millions) | 6.0180% | 1,188 |
Cash dividends to net income (ytd only)* | 25.5102% | 2,799 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1830% | 5,079 |
Loan loss allowance to noncurrent loans | 148.7261% | 2,530 |
Noncurrent assets plus other real estate owned to assets | 0.3696% | 5,373 |
Noncurrent loans to loans | 0.7954% | 4,323 |
Net loans and leases to total assets | 39.2842% | 6,092 |
Net loans and leases to deposits | 45.8416% | 6,115 |
Net loans and leases to core deposits | 46.2446% | 6,226 |
Total domestic deposits to total assets | 85.6954% | 3,533 |
Equity capital to assets | 12.7214% | 1,460 |
Core capital (leverage) ratio | 11.7933% | 1,728 |
Tier 1 risk-based capital ratio | 16.2479% | 3,072 |
Total risk-based capital ratio | 16.8947% | 3,346 |
Memoranda: | ||
Average total assets | $201,992,000 | 3,049 |
Average earning assets | $193,143,000 | 2,956 |
Average equity | $25,753,000 | 2,604 |
Average total loans | $79,026,330 | 4,011 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2847% | 2,951 |
Cost of funding earning assets | 0.7843% | 1,619 |
Net interest margin | 3.5004% | 3,694 |
Noninterest income to average assets | 0.3378% | 4,995 |
Noninterest expense to average assets | 1.3943% | 6,825 |
Loan and lease loss provision to assets | 0.0982% | 3,047 |
Net operating income to assets | 2.0697% | 307 |
Return on assets (ROA) | 2.0993% | 320 |
Pretax return on assets | 2.2249% | 395 |
Return on Equity (ROE) | 16.4477% | 561 |
Retained earnings to average equity (ytd only) | 16.4477% | 251 |
Net charge-offs to loans | 0.2833% | 1,831 |
Credit loss provision to net charge-offs | 89.2857% | 2,038 |
Earnings coverage of net charge-offs (x) | 20.8393% | 1,174 |
Efficiency ratio | 37.8263% | 6,907 |
Assets per employee ($millions) | 6.2531% | 1,105 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1991% | 5,179 |
Loan loss allowance to noncurrent loans | 125.0678% | 2,783 |
Noncurrent assets plus other real estate owned to assets | 0.4458% | 5,266 |
Noncurrent loans to loans | 0.9588% | 4,218 |
Net loans and leases to total assets | 36.8547% | 6,238 |
Net loans and leases to deposits | 43.2002% | 6,260 |
Net loans and leases to core deposits | 43.5694% | 6,334 |
Total domestic deposits to total assets | 85.3114% | 3,891 |
Equity capital to assets | 13.1606% | 1,353 |
Core capital (leverage) ratio | 11.3178% | 2,007 |
Tier 1 risk-based capital ratio | 16.0228% | 3,255 |
Total risk-based capital ratio | 16.6659% | 3,539 |
Memoranda: | ||
Average total assets | $203,691,000 | 3,058 |
Average earning assets | $194,834,000 | 2,959 |
Average equity | $25,997,500 | 2,617 |
Average total loans | $79,064,500 | 4,032 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0703% | 5,055 |
Cost of funding earning assets | 0.9458% | 1,666 |
Net interest margin | 3.1245% | 5,753 |
Noninterest income to average assets | 0.3612% | 4,898 |
Noninterest expense to average assets | 1.5381% | 6,847 |
Loan and lease loss provision to assets | 0.0577% | 5,055 |
Net operating income to assets | 1.2817% | 1,362 |
Return on assets (ROA) | 1.3655% | 1,287 |
Pretax return on assets | 1.9013% | 755 |
Return on Equity (ROE) | 11.1099% | 1,771 |
Retained earnings to average equity (ytd only) | 6.2121% | 1,965 |
Net charge-offs to loans | -0.0604% | 6,736 |
Credit loss provision to net charge-offs | -244.6809% | 6,423 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.4964% | 6,799 |
Assets per employee ($millions) | 6.0918% | 1,223 |
Cash dividends to net income (ytd only)* | 44.0852% | 2,639 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1447% | 5,365 |
Loan loss allowance to noncurrent loans | 33.2498% | 5,925 |
Noncurrent assets plus other real estate owned to assets | 1.4426% | 3,221 |
Noncurrent loans to loans | 3.4428% | 1,456 |
Net loans and leases to total assets | 39.9078% | 6,172 |
Net loans and leases to deposits | 47.6046% | 6,132 |
Net loans and leases to core deposits | 48.1448% | 6,258 |
Total domestic deposits to total assets | 83.8318% | 4,391 |
Equity capital to assets | 12.3553% | 1,819 |
Core capital (leverage) ratio | 11.1323% | 2,140 |
Tier 1 risk-based capital ratio | 15.1191% | 3,662 |
Total risk-based capital ratio | 15.7596% | 3,980 |
Memoranda: | ||
Average total assets | $199,336,600 | 3,053 |
Average earning assets | $192,639,800 | 2,924 |
Average equity | $24,500,600 | 2,709 |
Average total loans | $77,802,600 | 4,098 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0820% | 5,256 |
Cost of funding earning assets | 0.9679% | 1,746 |
Net interest margin | 3.1141% | 5,907 |
Noninterest income to average assets | 0.3727% | 4,847 |
Noninterest expense to average assets | 1.4069% | 6,990 |
Loan and lease loss provision to assets | 0.0469% | 5,186 |
Net operating income to assets | 1.3472% | 1,336 |
Return on assets (ROA) | 1.4565% | 1,231 |
Pretax return on assets | 2.0920% | 584 |
Return on Equity (ROE) | 11.8661% | 1,678 |
Retained earnings to average equity (ytd only) | 11.8661% | 552 |
Net charge-offs to loans | -0.0745% | 6,795 |
Credit loss provision to net charge-offs | -162.7907% | 6,297 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.5068% | 6,982 |
Assets per employee ($millions) | 6.1563% | 1,155 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1349% | 5,577 |
Loan loss allowance to noncurrent loans | 35.3272% | 5,879 |
Noncurrent assets plus other real estate owned to assets | 1.2680% | 3,760 |
Noncurrent loans to loans | 3.2124% | 1,716 |
Net loans and leases to total assets | 37.7358% | 6,430 |
Net loans and leases to deposits | 45.1849% | 6,444 |
Net loans and leases to core deposits | 45.6928% | 6,527 |
Total domestic deposits to total assets | 83.5142% | 4,428 |
Equity capital to assets | 12.6764% | 1,781 |
Core capital (leverage) ratio | 11.4984% | 1,986 |
Tier 1 risk-based capital ratio | 15.7849% | 3,383 |
Total risk-based capital ratio | 16.4001% | 3,691 |
Memoranda: | ||
Average total assets | $198,913,000 | 3,095 |
Average earning assets | $192,711,250 | 2,956 |
Average equity | $24,416,250 | 2,740 |
Average total loans | $76,964,250 | 4,162 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0999% | 5,314 |
Cost of funding earning assets | 0.9937% | 1,798 |
Net interest margin | 3.1061% | 5,985 |
Noninterest income to average assets | 0.4010% | 4,642 |
Noninterest expense to average assets | 1.4218% | 7,046 |
Loan and lease loss provision to assets | 0.0608% | 4,891 |
Net operating income to assets | 1.3486% | 1,314 |
Return on assets (ROA) | 1.4684% | 1,179 |
Pretax return on assets | 2.1094% | 573 |
Return on Equity (ROE) | 12.0981% | 1,638 |
Retained earnings to average equity (ytd only) | 12.0981% | 564 |
Net charge-offs to loans | -0.0755% | 6,788 |
Credit loss provision to net charge-offs | -206.8966% | 6,149 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.5631% | 7,032 |
Assets per employee ($millions) | 6.0799% | 1,185 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1154% | 5,722 |
Loan loss allowance to noncurrent loans | 34.3499% | 5,957 |
Noncurrent assets plus other real estate owned to assets | 1.2849% | 3,856 |
Noncurrent loans to loans | 3.2473% | 1,793 |
Net loans and leases to total assets | 37.8218% | 6,492 |
Net loans and leases to deposits | 45.9764% | 6,440 |
Net loans and leases to core deposits | 46.4353% | 6,554 |
Total domestic deposits to total assets | 82.2636% | 5,030 |
Equity capital to assets | 12.4274% | 1,863 |
Core capital (leverage) ratio | 11.1361% | 2,174 |
Tier 1 risk-based capital ratio | 15.4734% | 3,460 |
Total risk-based capital ratio | 16.0794% | 3,834 |
Memoranda: | ||
Average total assets | $197,498,330 | 3,114 |
Average earning assets | $192,006,330 | 2,972 |
Average equity | $23,970,670 | 2,771 |
Average total loans | $76,771,330 | 4,195 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0957% | 5,472 |
Cost of funding earning assets | 1.0464% | 1,701 |
Net interest margin | 3.0492% | 6,183 |
Noninterest income to average assets | 0.4838% | 4,034 |
Noninterest expense to average assets | 1.3821% | 7,122 |
Loan and lease loss provision to assets | 0.1021% | 4,060 |
Net operating income to assets | 1.4344% | 1,161 |
Return on assets (ROA) | 1.5924% | 978 |
Pretax return on assets | 2.1906% | 546 |
Return on Equity (ROE) | 13.2828% | 1,328 |
Retained earnings to average equity (ytd only) | 13.2828% | 643 |
Net charge-offs to loans | -0.0625% | 6,620 |
Credit loss provision to net charge-offs | -416.6667% | 5,746 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.9646% | 7,109 |
Assets per employee ($millions) | 6.1110% | 1,210 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1062% | 5,885 |
Loan loss allowance to noncurrent loans | 33.7266% | 5,982 |
Noncurrent assets plus other real estate owned to assets | 1.3046% | 3,949 |
Noncurrent loans to loans | 3.2799% | 1,950 |
Net loans and leases to total assets | 36.7502% | 6,577 |
Net loans and leases to deposits | 43.2675% | 6,596 |
Net loans and leases to core deposits | 43.5807% | 6,672 |
Total domestic deposits to total assets | 84.9373% | 4,075 |
Equity capital to assets | 11.8003% | 2,184 |
Core capital (leverage) ratio | 10.8499% | 2,390 |
Tier 1 risk-based capital ratio | 15.6343% | 3,373 |
Total risk-based capital ratio | 16.2460% | 3,722 |
Memoranda: | ||
Average total assets | $195,928,500 | 3,156 |
Average earning assets | $191,129,000 | 3,007 |
Average equity | $23,489,000 | 2,805 |
Average total loans | $76,786,500 | 4,222 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5382% | 4,925 |
Cost of funding earning assets | 1.1928% | 2,078 |
Net interest margin | 3.3454% | 5,664 |
Noninterest income to average assets | 0.2962% | 5,408 |
Noninterest expense to average assets | 1.6855% | 7,065 |
Loan and lease loss provision to assets | 0.0717% | 5,720 |
Net operating income to assets | 1.3515% | 1,140 |
Return on assets (ROA) | 1.4334% | 1,047 |
Pretax return on assets | 1.9011% | 662 |
Return on Equity (ROE) | 11.7411% | 1,480 |
Retained earnings to average equity (ytd only) | 6.0264% | 2,001 |
Net charge-offs to loans | 0.1067% | 5,293 |
Credit loss provision to net charge-offs | 160.4938% | 1,720 |
Earnings coverage of net charge-offs (x) | 41.7160% | 648 |
Efficiency ratio | 47.4903% | 6,967 |
Assets per employee ($millions) | 5.7634% | 1,397 |
Cash dividends to net income (ytd only)* | 48.6726% | 2,125 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9754% | 6,320 |
Loan loss allowance to noncurrent loans | 105.9392% | 2,899 |
Noncurrent assets plus other real estate owned to assets | 0.4574% | 5,823 |
Noncurrent loans to loans | 0.9207% | 4,851 |
Net loans and leases to total assets | 40.9400% | 6,470 |
Net loans and leases to deposits | 48.5310% | 6,459 |
Net loans and leases to core deposits | 48.9050% | 6,597 |
Total domestic deposits to total assets | 84.3585% | 4,160 |
Equity capital to assets | 12.1881% | 1,975 |
Core capital (leverage) ratio | 11.0457% | 2,238 |
Tier 1 risk-based capital ratio | 15.2229% | 3,498 |
Total risk-based capital ratio | 15.7951% | 3,911 |
Memoranda: | ||
Average total assets | $181,313,600 | 3,313 |
Average earning assets | $176,302,400 | 3,140 |
Average equity | $22,136,000 | 2,880 |
Average total loans | $75,920,600 | 4,275 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5742% | 4,983 |
Cost of funding earning assets | 1.2133% | 2,240 |
Net interest margin | 3.3609% | 5,682 |
Noninterest income to average assets | 0.2956% | 5,494 |
Noninterest expense to average assets | 1.6483% | 7,143 |
Loan and lease loss provision to assets | 0.0298% | 6,065 |
Net operating income to assets | 1.4573% | 1,033 |
Return on assets (ROA) | 1.5708% | 890 |
Pretax return on assets | 2.0317% | 588 |
Return on Equity (ROE) | 12.8608% | 1,315 |
Retained earnings to average equity (ytd only) | 12.8608% | 394 |
Net charge-offs to loans | 0.1347% | 4,706 |
Credit loss provision to net charge-offs | 52.6316% | 4,979 |
Earnings coverage of net charge-offs (x) | 33.8292% | 862 |
Efficiency ratio | 46.2696% | 7,045 |
Assets per employee ($millions) | 5.6805% | 1,437 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9052% | 6,582 |
Loan loss allowance to noncurrent loans | 100.4418% | 2,941 |
Noncurrent assets plus other real estate owned to assets | 0.4412% | 5,988 |
Noncurrent loans to loans | 0.9012% | 5,063 |
Net loans and leases to total assets | 39.8287% | 6,645 |
Net loans and leases to deposits | 47.5424% | 6,648 |
Net loans and leases to core deposits | 47.7877% | 6,769 |
Total domestic deposits to total assets | 83.7750% | 4,333 |
Equity capital to assets | 12.7757% | 1,739 |
Core capital (leverage) ratio | 11.6187% | 1,945 |
Tier 1 risk-based capital ratio | 16.4085% | 2,906 |
Total risk-based capital ratio | 16.9368% | 3,247 |
Memoranda: | ||
Average total assets | $179,093,750 | 3,363 |
Average earning assets | $174,073,500 | 3,181 |
Average equity | $21,874,750 | 2,898 |
Average total loans | $75,242,750 | 4,344 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6042% | 4,944 |
Cost of funding earning assets | 1.2346% | 2,355 |
Net interest margin | 3.3697% | 5,639 |
Noninterest income to average assets | 0.3074% | 5,437 |
Noninterest expense to average assets | 1.6936% | 7,182 |
Loan and lease loss provision to assets | 0.0454% | 5,741 |
Net operating income to assets | 1.4158% | 1,047 |
Return on assets (ROA) | 1.4883% | 971 |
Pretax return on assets | 1.9353% | 659 |
Return on Equity (ROE) | 12.3871% | 1,385 |
Retained earnings to average equity (ytd only) | 12.3871% | 472 |
Net charge-offs to loans | -0.0851% | 7,126 |
Credit loss provision to net charge-offs | -125.0000% | 6,327 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.3067% | 7,093 |
Assets per employee ($millions) | 5.6661% | 1,428 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0452% | 6,163 |
Loan loss allowance to noncurrent loans | 87.7778% | 3,242 |
Noncurrent assets plus other real estate owned to assets | 0.6287% | 5,662 |
Noncurrent loans to loans | 1.1907% | 4,665 |
Net loans and leases to total assets | 41.2512% | 6,648 |
Net loans and leases to deposits | 48.9714% | 6,669 |
Net loans and leases to core deposits | 49.2302% | 6,798 |
Total domestic deposits to total assets | 84.2353% | 4,240 |
Equity capital to assets | 12.3409% | 1,877 |
Core capital (leverage) ratio | 11.3625% | 2,001 |
Tier 1 risk-based capital ratio | 15.9937% | 2,979 |
Total risk-based capital ratio | 16.6136% | 3,272 |
Memoranda: | ||
Average total assets | $176,305,670 | 3,431 |
Average earning assets | $171,234,000 | 3,257 |
Average equity | $21,183,330 | 2,971 |
Average total loans | $75,209,000 | 4,381 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6039% | 4,929 |
Cost of funding earning assets | 1.2625% | 2,413 |
Net interest margin | 3.3414% | 5,639 |
Noninterest income to average assets | 0.3176% | 5,383 |
Noninterest expense to average assets | 1.5995% | 7,304 |
Loan and lease loss provision to assets | 0.0921% | 4,864 |
Net operating income to assets | 1.4467% | 993 |
Return on assets (ROA) | 1.5006% | 917 |
Pretax return on assets | 1.9356% | 626 |
Return on Equity (ROE) | 12.6682% | 1,281 |
Retained earnings to average equity (ytd only) | 12.6682% | 642 |
Net charge-offs to loans | -0.1280% | 7,153 |
Credit loss provision to net charge-offs | -166.6667% | 5,792 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.9547% | 7,245 |
Assets per employee ($millions) | 5.1586% | 1,949 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0737% | 6,142 |
Loan loss allowance to noncurrent loans | 101.0336% | 2,828 |
Noncurrent assets plus other real estate owned to assets | 0.7793% | 5,352 |
Noncurrent loans to loans | 1.0628% | 4,930 |
Net loans and leases to total assets | 39.9037% | 6,781 |
Net loans and leases to deposits | 46.9108% | 6,801 |
Net loans and leases to core deposits | 47.0797% | 6,920 |
Total domestic deposits to total assets | 85.0630% | 4,002 |
Equity capital to assets | 11.6847% | 2,132 |
Core capital (leverage) ratio | 11.1126% | 2,107 |
Tier 1 risk-based capital ratio | 15.7923% | 3,005 |
Total risk-based capital ratio | 16.4185% | 3,292 |
Memoranda: | ||
Average total assets | $173,800,500 | 3,490 |
Average earning assets | $168,554,500 | 3,321 |
Average equity | $20,587,000 | 3,039 |
Average total loans | $75,021,000 | 4,423 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9104% | 4,975 |
Cost of funding earning assets | 1.4251% | 3,105 |
Net interest margin | 3.4852% | 5,306 |
Noninterest income to average assets | 0.3327% | 5,409 |
Noninterest expense to average assets | 1.8023% | 7,262 |
Loan and lease loss provision to assets | 0.1882% | 5,349 |
Net operating income to assets | 1.3078% | 1,150 |
Return on assets (ROA) | 1.3209% | 1,192 |
Pretax return on assets | 1.7246% | 897 |
Return on Equity (ROE) | 10.7592% | 1,656 |
Retained earnings to average equity (ytd only) | 6.8036% | 1,408 |
Net charge-offs to loans | 0.3469% | 4,279 |
Credit loss provision to net charge-offs | 117.4242% | 3,640 |
Earnings coverage of net charge-offs (x) | 11.8295% | 1,569 |
Efficiency ratio | 48.7360% | 7,218 |
Assets per employee ($millions) | 4.7728% | 2,455 |
Cash dividends to net income (ytd only)* | 36.7647% | 2,740 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9299% | 6,639 |
Loan loss allowance to noncurrent loans | 86.0911% | 3,319 |
Noncurrent assets plus other real estate owned to assets | 0.8782% | 5,258 |
Noncurrent loans to loans | 1.0801% | 4,932 |
Net loans and leases to total assets | 45.7920% | 6,573 |
Net loans and leases to deposits | 54.2272% | 6,592 |
Net loans and leases to core deposits | 54.4782% | 6,783 |
Total domestic deposits to total assets | 84.4447% | 4,151 |
Equity capital to assets | 12.0186% | 1,902 |
Core capital (leverage) ratio | 11.5212% | 1,820 |
Tier 1 risk-based capital ratio | 15.2779% | 3,113 |
Total risk-based capital ratio | 15.8534% | 3,438 |
Memoranda: | ||
Average total assets | $164,733,400 | 3,619 |
Average earning assets | $159,071,800 | 3,467 |
Average equity | $20,224,600 | 3,120 |
Average total loans | $76,094,400 | 4,449 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9349% | 5,106 |
Cost of funding earning assets | 1.4606% | 3,218 |
Net interest margin | 3.4743% | 5,398 |
Noninterest income to average assets | 0.3549% | 5,325 |
Noninterest expense to average assets | 1.6943% | 7,440 |
Loan and lease loss provision to assets | 0.1909% | 5,135 |
Net operating income to assets | 1.5493% | 831 |
Return on assets (ROA) | 1.5562% | 893 |
Pretax return on assets | 1.8299% | 875 |
Return on Equity (ROE) | 12.6081% | 1,359 |
Retained earnings to average equity (ytd only) | 12.6081% | 387 |
Net charge-offs to loans | 0.3289% | 4,019 |
Credit loss provision to net charge-offs | 125.6684% | 3,257 |
Earnings coverage of net charge-offs (x) | 13.2512% | 1,601 |
Efficiency ratio | 45.7055% | 7,392 |
Assets per employee ($millions) | 4.9917% | 2,191 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9468% | 6,586 |
Loan loss allowance to noncurrent loans | 62.3917% | 4,178 |
Noncurrent assets plus other real estate owned to assets | 0.7006% | 5,713 |
Noncurrent loans to loans | 1.5176% | 4,359 |
Net loans and leases to total assets | 45.7259% | 6,721 |
Net loans and leases to deposits | 55.1127% | 6,679 |
Net loans and leases to core deposits | 55.4891% | 6,889 |
Total domestic deposits to total assets | 82.9680% | 4,600 |
Equity capital to assets | 13.2342% | 1,481 |
Core capital (leverage) ratio | 12.1392% | 1,593 |
Tier 1 risk-based capital ratio | 16.0571% | 2,731 |
Total risk-based capital ratio | 16.6473% | 3,011 |
Memoranda: | ||
Average total assets | $164,154,500 | 3,678 |
Average earning assets | $158,378,000 | 3,525 |
Average equity | $20,261,500 | 3,153 |
Average total loans | $75,814,750 | 4,529 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9348% | 5,251 |
Cost of funding earning assets | 1.5149% | 3,173 |
Net interest margin | 3.4199% | 5,560 |
Noninterest income to average assets | 0.3489% | 5,355 |
Noninterest expense to average assets | 1.7248% | 7,484 |
Loan and lease loss provision to assets | 0.1952% | 4,924 |
Net operating income to assets | 1.4496% | 990 |
Return on assets (ROA) | 1.4589% | 1,042 |
Pretax return on assets | 1.7333% | 993 |
Return on Equity (ROE) | 12.1122% | 1,422 |
Retained earnings to average equity (ytd only) | 12.1122% | 472 |
Net charge-offs to loans | 0.3538% | 3,580 |
Credit loss provision to net charge-offs | 119.4030% | 3,406 |
Earnings coverage of net charge-offs (x) | 11.7313% | 1,736 |
Efficiency ratio | 47.3543% | 7,378 |
Assets per employee ($millions) | 4.8120% | 2,429 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9121% | 6,718 |
Loan loss allowance to noncurrent loans | 54.6594% | 4,661 |
Noncurrent assets plus other real estate owned to assets | 0.7805% | 5,562 |
Noncurrent loans to loans | 1.6686% | 4,191 |
Net loans and leases to total assets | 46.3495% | 6,758 |
Net loans and leases to deposits | 55.2628% | 6,780 |
Net loans and leases to core deposits | 55.7671% | 6,955 |
Total domestic deposits to total assets | 83.8711% | 4,162 |
Equity capital to assets | 12.5147% | 1,793 |
Core capital (leverage) ratio | 11.5712% | 1,868 |
Tier 1 risk-based capital ratio | 15.4658% | 2,909 |
Total risk-based capital ratio | 16.0381% | 3,238 |
Memoranda: | ||
Average total assets | $163,964,330 | 3,707 |
Average earning assets | $157,898,670 | 3,557 |
Average equity | $19,748,670 | 3,204 |
Average total loans | $75,739,000 | 4,574 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9324% | 5,301 |
Cost of funding earning assets | 1.5639% | 3,179 |
Net interest margin | 3.3685% | 5,712 |
Noninterest income to average assets | 0.3339% | 5,471 |
Noninterest expense to average assets | 1.6644% | 7,604 |
Loan and lease loss provision to assets | 0.1218% | 5,363 |
Net operating income to assets | 1.5109% | 876 |
Return on assets (ROA) | 1.5109% | 944 |
Pretax return on assets | 1.7862% | 902 |
Return on Equity (ROE) | 12.7931% | 1,300 |
Retained earnings to average equity (ytd only) | 12.7931% | 650 |
Net charge-offs to loans | -0.0265% | 7,152 |
Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.5894% | 7,518 |
Assets per employee ($millions) | 4.8564% | 2,429 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9746% | 6,578 |
Loan loss allowance to noncurrent loans | 47.1466% | 5,200 |
Noncurrent assets plus other real estate owned to assets | 0.9339% | 5,281 |
Noncurrent loans to loans | 2.0672% | 3,699 |
Net loans and leases to total assets | 44.7352% | 6,929 |
Net loans and leases to deposits | 52.9943% | 6,982 |
Net loans and leases to core deposits | 53.4700% | 7,136 |
Total domestic deposits to total assets | 84.4152% | 3,939 |
Equity capital to assets | 12.0358% | 2,024 |
Core capital (leverage) ratio | 11.1085% | 2,157 |
Tier 1 risk-based capital ratio | 15.3893% | 2,925 |
Total risk-based capital ratio | 16.0015% | 3,192 |
Memoranda: | ||
Average total assets | $164,143,000 | 3,765 |
Average earning assets | $157,815,000 | 3,612 |
Average equity | $19,385,500 | 3,279 |
Average total loans | $75,344,000 | 4,665 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1260% | 5,977 |
Cost of funding earning assets | 1.9052% | 3,441 |
Net interest margin | 3.2208% | 6,025 |
Noninterest income to average assets | 0.3020% | 5,937 |
Noninterest expense to average assets | 1.9179% | 7,476 |
Loan and lease loss provision to assets | 0.5479% | 3,630 |
Net operating income to assets | 0.6369% | 3,184 |
Return on assets (ROA) | 0.6090% | 3,364 |
Pretax return on assets | 0.8915% | 2,951 |
Return on Equity (ROE) | 5.1110% | 3,625 |
Retained earnings to average equity (ytd only) | 0.8783% | 4,409 |
Net charge-offs to loans | 1.2488% | 1,973 |
Credit loss provision to net charge-offs | 94.3540% | 5,836 |
Earnings coverage of net charge-offs (x) | 2.5494% | 3,845 |
Efficiency ratio | 56.4378% | 6,958 |
Assets per employee ($millions) | 4.7991% | 2,489 |
Cash dividends to net income (ytd only)* | 82.8157% | 1,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8831% | 6,884 |
Loan loss allowance to noncurrent loans | 50.2994% | 5,023 |
Noncurrent assets plus other real estate owned to assets | 0.8188% | 5,466 |
Noncurrent loans to loans | 1.7557% | 4,005 |
Net loans and leases to total assets | 46.2242% | 6,951 |
Net loans and leases to deposits | 54.4275% | 7,022 |
Net loans and leases to core deposits | 63.1306% | 7,144 |
Total domestic deposits to total assets | 84.9280% | 3,587 |
Equity capital to assets | 11.5818% | 2,257 |
Core capital (leverage) ratio | 11.0035% | 2,221 |
Tier 1 risk-based capital ratio | 14.6944% | 3,102 |
Total risk-based capital ratio | 15.2541% | 3,454 |
Memoranda: | ||
Average total assets | $158,612,800 | 3,799 |
Average earning assets | $152,476,800 | 3,667 |
Average equity | $18,900,400 | 3,355 |
Average total loans | $73,753,000 | 4,740 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1664% | 6,030 |
Cost of funding earning assets | 1.9596% | 3,570 |
Net interest margin | 3.2068% | 5,998 |
Noninterest income to average assets | 0.3099% | 6,005 |
Noninterest expense to average assets | 1.8398% | 7,623 |
Loan and lease loss provision to assets | 0.1846% | 5,520 |
Net operating income to assets | 0.9953% | 2,081 |
Return on assets (ROA) | 1.0922% | 1,817 |
Pretax return on assets | 1.5071% | 1,396 |
Return on Equity (ROE) | 9.0998% | 2,225 |
Retained earnings to average equity (ytd only) | 9.0998% | 820 |
Net charge-offs to loans | 0.3954% | 3,684 |
Credit loss provision to net charge-offs | 100.4608% | 5,052 |
Earnings coverage of net charge-offs (x) | 8.4745% | 2,237 |
Efficiency ratio | 54.1625% | 7,217 |
Assets per employee ($millions) | 4.7069% | 2,544 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9704% | 6,442 |
Loan loss allowance to noncurrent loans | 207.1429% | 1,430 |
Noncurrent assets plus other real estate owned to assets | 0.2187% | 6,971 |
Noncurrent loans to loans | 0.4684% | 6,383 |
Net loans and leases to total assets | 46.2333% | 7,093 |
Net loans and leases to deposits | 55.3515% | 7,132 |
Net loans and leases to core deposits | 64.8006% | 7,211 |
Total domestic deposits to total assets | 83.5268% | 3,945 |
Equity capital to assets | 12.6759% | 1,846 |
Core capital (leverage) ratio | 11.9419% | 1,829 |
Tier 1 risk-based capital ratio | 15.9108% | 2,662 |
Total risk-based capital ratio | 16.5258% | 2,861 |
Memoranda: | ||
Average total assets | $157,473,500 | 3,843 |
Average earning assets | $151,591,750 | 3,697 |
Average equity | $18,901,000 | 3,383 |
Average total loans | $73,167,250 | 4,806 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1854% | 6,133 |
Cost of funding earning assets | 2.0120% | 3,716 |
Net interest margin | 3.1733% | 6,006 |
Noninterest income to average assets | 0.3154% | 5,985 |
Noninterest expense to average assets | 1.8389% | 7,699 |
Loan and lease loss provision to assets | 0.1635% | 5,425 |
Net operating income to assets | 0.8903% | 2,490 |
Return on assets (ROA) | 0.9003% | 2,563 |
Pretax return on assets | 1.3817% | 1,781 |
Return on Equity (ROE) | 7.6467% | 2,905 |
Retained earnings to average equity (ytd only) | 7.6467% | 1,332 |
Net charge-offs to loans | 0.6029% | 2,534 |
Credit loss provision to net charge-offs | 58.4475% | 5,618 |
Earnings coverage of net charge-offs (x) | 5.4703% | 2,829 |
Efficiency ratio | 54.5868% | 7,271 |
Assets per employee ($millions) | 4.6054% | 2,597 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8847% | 6,833 |
Loan loss allowance to noncurrent loans | 120.3810% | 2,451 |
Noncurrent assets plus other real estate owned to assets | 0.3353% | 6,620 |
Noncurrent loans to loans | 0.7350% | 5,772 |
Net loans and leases to total assets | 45.2157% | 7,248 |
Net loans and leases to deposits | 53.3658% | 7,316 |
Net loans and leases to core deposits | 61.9339% | 7,383 |
Total domestic deposits to total assets | 84.7278% | 3,389 |
Equity capital to assets | 11.8868% | 2,268 |
Core capital (leverage) ratio | 11.5184% | 2,078 |
Tier 1 risk-based capital ratio | 15.6780% | 2,741 |
Total risk-based capital ratio | 16.2235% | 2,973 |
Memoranda: | ||
Average total assets | $156,619,330 | 3,884 |
Average earning assets | $150,693,330 | 3,730 |
Average equity | $18,439,330 | 3,478 |
Average total loans | $72,651,330 | 4,857 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3051% | 5,873 |
Cost of funding earning assets | 2.0811% | 3,735 |
Net interest margin | 3.2240% | 5,783 |
Noninterest income to average assets | 0.2886% | 6,131 |
Noninterest expense to average assets | 1.7467% | 7,768 |
Loan and lease loss provision to assets | 0.0255% | 6,597 |
Net operating income to assets | 0.9390% | 2,548 |
Return on assets (ROA) | 0.9423% | 2,671 |
Pretax return on assets | 1.6190% | 1,364 |
Return on Equity (ROE) | 8.0425% | 3,132 |
Retained earnings to average equity (ytd only) | 8.0425% | 1,800 |
Net charge-offs to loans | 0.1310% | 3,912 |
Credit loss provision to net charge-offs | 41.6667% | 4,802 |
Earnings coverage of net charge-offs (x) | 26.7500% | 1,166 |
Efficiency ratio | 51.5837% | 7,458 |
Assets per employee ($millions) | 4.5603% | 2,629 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9916% | 6,250 |
Loan loss allowance to noncurrent loans | 188.8298% | 1,748 |
Noncurrent assets plus other real estate owned to assets | 0.2356% | 6,812 |
Noncurrent loans to loans | 0.5251% | 6,108 |
Net loans and leases to total assets | 44.4133% | 7,307 |
Net loans and leases to deposits | 52.3889% | 7,374 |
Net loans and leases to core deposits | 59.8613% | 7,461 |
Total domestic deposits to total assets | 84.7762% | 3,313 |
Equity capital to assets | 11.7241% | 2,428 |
Core capital (leverage) ratio | 11.1772% | 2,361 |
Tier 1 risk-based capital ratio | 15.7369% | 2,777 |
Total risk-based capital ratio | 16.3641% | 2,953 |
Memoranda: | ||
Average total assets | $156,636,500 | 3,886 |
Average earning assets | $150,497,000 | 3,744 |
Average equity | $18,352,500 | 3,506 |
Average total loans | $73,260,500 | 4,861 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6886% | 6,811 |
Cost of funding earning assets | 2.6059% | 3,661 |
Net interest margin | 3.0827% | 6,698 |
Noninterest income to average assets | 0.3220% | 6,149 |
Noninterest expense to average assets | 1.9348% | 7,559 |
Loan and lease loss provision to assets | 0.0740% | 6,473 |
Net operating income to assets | 1.0476% | 2,365 |
Return on assets (ROA) | 1.0934% | 2,089 |
Pretax return on assets | 1.3154% | 2,259 |
Return on Equity (ROE) | 9.6376% | 2,383 |
Retained earnings to average equity (ytd only) | 5.2881% | 1,868 |
Net charge-offs to loans | 0.2410% | 3,848 |
Credit loss provision to net charge-offs | 65.1429% | 6,157 |
Earnings coverage of net charge-offs (x) | 11.7429% | 2,339 |
Efficiency ratio | 59.1857% | 6,501 |
Assets per employee ($millions) | 4.6564% | 2,391 |
Cash dividends to net income (ytd only)* | 45.1306% | 3,398 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9663% | 6,290 |
Loan loss allowance to noncurrent loans | 206.8571% | 1,886 |
Noncurrent assets plus other real estate owned to assets | 0.2278% | 6,665 |
Noncurrent loans to loans | 0.4672% | 5,947 |
Net loans and leases to total assets | 48.2868% | 7,165 |
Net loans and leases to deposits | 56.9405% | 7,264 |
Net loans and leases to core deposits | 65.3767% | 7,383 |
Total domestic deposits to total assets | 84.8023% | 2,933 |
Equity capital to assets | 11.7089% | 2,495 |
Core capital (leverage) ratio | 11.7132% | 2,120 |
Tier 1 risk-based capital ratio | 15.4184% | 2,868 |
Total risk-based capital ratio | 16.0587% | 3,060 |
Memoranda: | ||
Average total assets | $154,019,600 | 3,819 |
Average earning assets | $147,240,600 | 3,704 |
Average equity | $17,473,200 | 3,651 |
Average total loans | $72,617,400 | 4,783 |