Home > First National Bank of Eastern Arkansas > Performance and Condition Ratios
First National Bank of Eastern Arkansas, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4543% | 3,182 |
Cost of funding earning assets | 0.9705% | 3,369 |
Net interest margin | 3.4838% | 2,222 |
Noninterest income to average assets | 0.3800% | 2,615 |
Noninterest expense to average assets | 2.3194% | 2,799 |
Loan and lease loss provision to assets | 0.0700% | 1,699 |
Net operating income to assets | 1.2652% | 1,506 |
Return on assets (ROA) | 1.2915% | 1,421 |
Pretax return on assets | 1.2915% | 1,890 |
Return on Equity (ROE) | 15.3900% | 1,210 |
Retained earnings to average equity (ytd only) | 9.1963% | 1,210 |
Net charge-offs to loans | -0.0595% | 4,400 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 63.5396% | 2,662 |
Assets per employee ($millions) | 4.9314% | 3,687 |
Cash dividends to net income (ytd only)* | 40.2599% | 2,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1057% | 2,801 |
Loan loss allowance to noncurrent loans | 454.5324% | 1,530 |
Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,709 |
Noncurrent loans to loans | 0.2433% | 2,328 |
Net loans and leases to total assets | 50.7000% | 3,552 |
Net loans and leases to deposits | 56.4027% | 3,691 |
Net loans and leases to core deposits | 64.4439% | 3,569 |
Total domestic deposits to total assets | 89.9000% | 784 |
Equity capital to assets | 9.0885% | 2,616 |
Core capital (leverage) ratio | 10.3633% | 2,467 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $548,114,000 | 1,621 |
Average earning assets | $515,295,800 | 1,587 |
Average equity | $45,985,800 | 1,712 |
Average total loans | $285,817,400 | 1,846 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3069% | 3,281 |
Cost of funding earning assets | 0.8797% | 3,322 |
Net interest margin | 3.4272% | 2,400 |
Noninterest income to average assets | 0.3700% | 2,673 |
Noninterest expense to average assets | 2.2993% | 2,792 |
Loan and lease loss provision to assets | 0.0700% | 1,559 |
Net operating income to assets | 1.2287% | 1,704 |
Return on assets (ROA) | 1.2494% | 1,644 |
Pretax return on assets | 1.2494% | 2,170 |
Return on Equity (ROE) | 15.2200% | 1,411 |
Retained earnings to average equity (ytd only) | 6.7377% | 2,383 |
Net charge-offs to loans | -0.0840% | 4,468 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 63.9774% | 2,493 |
Assets per employee ($millions) | 4.7943% | 3,745 |
Cash dividends to net income (ytd only)* | 55.7185% | 1,069 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0156% | 3,284 |
Loan loss allowance to noncurrent loans | 216.7347% | 2,401 |
Noncurrent assets plus other real estate owned to assets | 0.2738% | 1,910 |
Noncurrent loans to loans | 0.4686% | 1,653 |
Net loans and leases to total assets | 57.8300% | 3,044 |
Net loans and leases to deposits | 63.8912% | 3,277 |
Net loans and leases to core deposits | 73.2281% | 3,042 |
Total domestic deposits to total assets | 90.5100% | 807 |
Equity capital to assets | 8.5141% | 2,723 |
Core capital (leverage) ratio | 10.3822% | 2,497 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $545,831,750 | 1,627 |
Average earning assets | $512,714,500 | 1,590 |
Average equity | $44,821,000 | 1,727 |
Average total loans | $285,845,250 | 1,848 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1375% | 3,417 |
Cost of funding earning assets | 0.7517% | 3,344 |
Net interest margin | 3.3858% | 2,558 |
Noninterest income to average assets | 0.3800% | 2,569 |
Noninterest expense to average assets | 2.2530% | 2,943 |
Loan and lease loss provision to assets | 0.0700% | 1,542 |
Net operating income to assets | 1.2508% | 1,691 |
Return on assets (ROA) | 1.2719% | 1,630 |
Pretax return on assets | 1.2719% | 2,155 |
Return on Equity (ROE) | 15.6800% | 1,324 |
Retained earnings to average equity (ytd only) | 4.8650% | 2,972 |
Net charge-offs to loans | -0.1360% | 4,554 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 63.1203% | 2,580 |
Assets per employee ($millions) | 4.7573% | 3,786 |
Cash dividends to net income (ytd only)* | 68.9685% | 778 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9988% | 3,427 |
Loan loss allowance to noncurrent loans | 203.5615% | 2,574 |
Noncurrent assets plus other real estate owned to assets | 0.2640% | 1,884 |
Noncurrent loans to loans | 0.4906% | 1,488 |
Net loans and leases to total assets | 53.2800% | 3,322 |
Net loans and leases to deposits | 58.7029% | 3,501 |
Net loans and leases to core deposits | 66.3917% | 3,333 |
Total domestic deposits to total assets | 90.7600% | 713 |
Equity capital to assets | 8.3207% | 3,008 |
Core capital (leverage) ratio | 10.1217% | 2,629 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $548,787,000 | 1,609 |
Average earning assets | $516,398,333 | 1,580 |
Average equity | $44,522,000 | 1,734 |
Average total loans | $276,558,000 | 1,878 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9475% | 3,562 |
Cost of funding earning assets | 0.5965% | 3,395 |
Net interest margin | 3.3510% | 2,749 |
Noninterest income to average assets | 0.4100% | 2,332 |
Noninterest expense to average assets | 2.2543% | 2,946 |
Loan and lease loss provision to assets | 0.0700% | 1,437 |
Net operating income to assets | 1.2674% | 1,759 |
Return on assets (ROA) | 1.2913% | 1,671 |
Pretax return on assets | 1.2913% | 2,201 |
Return on Equity (ROE) | 16.1200% | 1,332 |
Retained earnings to average equity (ytd only) | -2.8856% | 4,240 |
Net charge-offs to loans | 0.0223% | 1,238 |
Credit loss provision to net charge-offs | 600.0000% | 496 |
Earnings coverage of net charge-offs (x) | 122.6000% | 698 |
Efficiency ratio | 62.8485% | 2,588 |
Assets per employee ($millions) | 4.8588% | 3,759 |
Cash dividends to net income (ytd only)* | 117.9012% | 333 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0681% | 3,211 |
Loan loss allowance to noncurrent loans | 192.7946% | 2,700 |
Noncurrent assets plus other real estate owned to assets | 0.2729% | 1,779 |
Noncurrent loans to loans | 0.5540% | 1,339 |
Net loans and leases to total assets | 48.7300% | 3,585 |
Net loans and leases to deposits | 53.6360% | 3,705 |
Net loans and leases to core deposits | 60.3273% | 3,526 |
Total domestic deposits to total assets | 90.8500% | 845 |
Equity capital to assets | 8.2819% | 3,050 |
Core capital (leverage) ratio | 9.6605% | 3,046 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $552,012,000 | 1,620 |
Average earning assets | $523,063,000 | 1,590 |
Average equity | $44,220,000 | 1,761 |
Average total loans | $268,906,500 | 1,932 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2933% | 3,595 |
Cost of funding earning assets | 0.2078% | 3,699 |
Net interest margin | 3.0856% | 3,209 |
Noninterest income to average assets | 0.4200% | 2,575 |
Noninterest expense to average assets | 2.2140% | 2,992 |
Loan and lease loss provision to assets | 0.0700% | 1,594 |
Net operating income to assets | 1.0475% | 2,383 |
Return on assets (ROA) | 1.0427% | 2,347 |
Pretax return on assets | 1.0427% | 2,935 |
Return on Equity (ROE) | 13.0700% | 1,789 |
Retained earnings to average equity (ytd only) | 7.7374% | 1,943 |
Net charge-offs to loans | 0.0372% | 1,353 |
Credit loss provision to net charge-offs | 360.0000% | 823 |
Earnings coverage of net charge-offs (x) | 61.2100% | 1,240 |
Efficiency ratio | 66.5483% | 2,140 |
Assets per employee ($millions) | 5.2815% | 3,442 |
Cash dividends to net income (ytd only)* | 40.7847% | 1,859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4824% | 1,248 |
Loan loss allowance to noncurrent loans | 140.9588% | 3,037 |
Noncurrent assets plus other real estate owned to assets | 0.5068% | 1,008 |
Noncurrent loans to loans | 1.0517% | 691 |
Net loans and leases to total assets | 47.4700% | 3,707 |
Net loans and leases to deposits | 51.7410% | 3,820 |
Net loans and leases to core deposits | 56.5930% | 3,697 |
Total domestic deposits to total assets | 91.7500% | 701 |
Equity capital to assets | 7.7471% | 3,219 |
Core capital (leverage) ratio | 9.5611% | 3,072 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $549,998,000 | 1,609 |
Average earning assets | $518,836,600 | 1,583 |
Average equity | $43,890,800 | 1,788 |
Average total loans | $268,752,400 | 1,861 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0883% | 3,696 |
Cost of funding earning assets | 0.1631% | 3,705 |
Net interest margin | 2.9252% | 3,421 |
Noninterest income to average assets | 0.4200% | 2,617 |
Noninterest expense to average assets | 2.1955% | 2,949 |
Loan and lease loss provision to assets | 0.0700% | 1,430 |
Net operating income to assets | 0.9141% | 2,820 |
Return on assets (ROA) | 0.9022% | 2,834 |
Pretax return on assets | 0.9022% | 3,305 |
Return on Equity (ROE) | 11.2200% | 2,293 |
Retained earnings to average equity (ytd only) | 4.1373% | 3,399 |
Net charge-offs to loans | 0.0447% | 1,043 |
Credit loss provision to net charge-offs | 300.0000% | 808 |
Earnings coverage of net charge-offs (x) | 44.7111% | 1,336 |
Efficiency ratio | 69.1411% | 1,871 |
Assets per employee ($millions) | 4.8402% | 3,808 |
Cash dividends to net income (ytd only)* | 63.1309% | 790 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2733% | 2,157 |
Loan loss allowance to noncurrent loans | 137.6053% | 3,103 |
Noncurrent assets plus other real estate owned to assets | 0.5301% | 1,020 |
Noncurrent loans to loans | 0.9253% | 846 |
Net loans and leases to total assets | 56.5600% | 2,847 |
Net loans and leases to deposits | 61.4012% | 3,078 |
Net loans and leases to core deposits | 67.4343% | 2,847 |
Total domestic deposits to total assets | 92.1100% | 846 |
Equity capital to assets | 7.3951% | 3,271 |
Core capital (leverage) ratio | 9.5050% | 3,067 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $547,538,000 | 1,625 |
Average earning assets | $515,913,750 | 1,600 |
Average equity | $44,020,750 | 1,811 |
Average total loans | $268,499,250 | 1,859 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8358% | 3,928 |
Cost of funding earning assets | 0.1407% | 3,702 |
Net interest margin | 2.6951% | 3,706 |
Noninterest income to average assets | 0.4247% | 2,598 |
Noninterest expense to average assets | 2.1671% | 2,952 |
Loan and lease loss provision to assets | 0.0653% | 1,434 |
Net operating income to assets | 0.7373% | 3,189 |
Return on assets (ROA) | 0.7187% | 3,198 |
Pretax return on assets | 0.7187% | 3,530 |
Return on Equity (ROE) | 8.7127% | 2,789 |
Retained earnings to average equity (ytd only) | 0.4180% | 4,106 |
Net charge-offs to loans | 0.0219% | 1,289 |
Credit loss provision to net charge-offs | 642.8571% | 539 |
Earnings coverage of net charge-offs (x) | 78.9643% | 940 |
Efficiency ratio | 72.9740% | 1,632 |
Assets per employee ($millions) | 4.9458% | 3,721 |
Cash dividends to net income (ytd only)* | 95.2020% | 414 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3925% | 1,789 |
Loan loss allowance to noncurrent loans | 754.0698% | 1,146 |
Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,066 |
Noncurrent loans to loans | 0.1847% | 2,783 |
Net loans and leases to total assets | 50.1898% | 3,363 |
Net loans and leases to deposits | 54.5557% | 3,502 |
Net loans and leases to core deposits | 60.0978% | 3,267 |
Total domestic deposits to total assets | 91.9974% | 832 |
Equity capital to assets | 7.6097% | 3,401 |
Core capital (leverage) ratio | 9.1050% | 3,339 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $550,962,667 | 1,625 |
Average earning assets | $520,274,667 | 1,608 |
Average equity | $45,450,667 | 1,817 |
Average total loans | $255,406,333 | 1,919 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6536% | 4,027 |
Cost of funding earning assets | 0.1364% | 3,683 |
Net interest margin | 2.5173% | 3,868 |
Noninterest income to average assets | 0.4421% | 2,433 |
Noninterest expense to average assets | 2.2169% | 2,793 |
Loan and lease loss provision to assets | 0.0652% | 1,252 |
Net operating income to assets | 0.5414% | 3,590 |
Return on assets (ROA) | 0.5269% | 3,604 |
Pretax return on assets | 0.5269% | 3,819 |
Return on Equity (ROE) | 6.1496% | 3,305 |
Retained earnings to average equity (ytd only) | -6.5387% | 4,478 |
Net charge-offs to loans | 0.0082% | 1,448 |
Credit loss provision to net charge-offs | 1,800.0000% | 230 |
Earnings coverage of net charge-offs (x) | 167.4000% | 491 |
Efficiency ratio | 78.5164% | 1,271 |
Assets per employee ($millions) | 5.3957% | 3,394 |
Cash dividends to net income (ytd only)* | 206.3274% | 202 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6005% | 1,271 |
Loan loss allowance to noncurrent loans | 113.6742% | 3,253 |
Noncurrent assets plus other real estate owned to assets | 0.5995% | 988 |
Noncurrent loans to loans | 1.4079% | 607 |
Net loans and leases to total assets | 41.8973% | 3,887 |
Net loans and leases to deposits | 45.6921% | 3,995 |
Net loans and leases to core deposits | 49.6305% | 3,894 |
Total domestic deposits to total assets | 91.6947% | 698 |
Equity capital to assets | 7.8771% | 3,664 |
Core capital (leverage) ratio | 8.8731% | 3,486 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $551,951,000 | 1,625 |
Average earning assets | $522,155,000 | 1,607 |
Average equity | $47,288,000 | 1,806 |
Average total loans | $243,396,500 | 1,972 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9247% | 4,011 |
Cost of funding earning assets | 0.1536% | 3,934 |
Net interest margin | 2.7711% | 3,729 |
Noninterest income to average assets | 0.4126% | 2,987 |
Noninterest expense to average assets | 2.0745% | 3,455 |
Loan and lease loss provision to assets | 0.0676% | 1,718 |
Net operating income to assets | 0.8861% | 3,096 |
Return on assets (ROA) | 0.9074% | 3,075 |
Pretax return on assets | 0.9074% | 3,494 |
Return on Equity (ROE) | 9.7458% | 2,624 |
Retained earnings to average equity (ytd only) | 5.8281% | 2,431 |
Net charge-offs to loans | 0.1165% | 774 |
Credit loss provision to net charge-offs | 124.5675% | 1,624 |
Earnings coverage of net charge-offs (x) | 17.5709% | 1,938 |
Efficiency ratio | 68.5046% | 1,921 |
Assets per employee ($millions) | 5.1691% | 3,579 |
Cash dividends to net income (ytd only)* | 40.1987% | 2,025 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5085% | 1,517 |
Loan loss allowance to noncurrent loans | 435.7809% | 1,592 |
Noncurrent assets plus other real estate owned to assets | 0.1581% | 2,838 |
Noncurrent loans to loans | 0.3462% | 2,339 |
Net loans and leases to total assets | 44.9788% | 3,768 |
Net loans and leases to deposits | 49.8472% | 3,896 |
Net loans and leases to core deposits | 53.5310% | 3,791 |
Total domestic deposits to total assets | 90.2335% | 853 |
Equity capital to assets | 9.2812% | 3,338 |
Core capital (leverage) ratio | 9.2379% | 3,126 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $532,417,200 | 1,617 |
Average earning assets | $502,549,000 | 1,600 |
Average equity | $49,570,000 | 1,785 |
Average total loans | $248,046,200 | 1,941 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9131% | 4,150 |
Cost of funding earning assets | 0.1566% | 4,050 |
Net interest margin | 2.7565% | 3,875 |
Noninterest income to average assets | 0.4046% | 3,060 |
Noninterest expense to average assets | 2.0761% | 3,433 |
Loan and lease loss provision to assets | 0.0679% | 1,645 |
Net operating income to assets | 0.8571% | 3,364 |
Return on assets (ROA) | 0.8785% | 3,383 |
Pretax return on assets | 0.8785% | 3,743 |
Return on Equity (ROE) | 9.4281% | 2,955 |
Retained earnings to average equity (ytd only) | 4.1834% | 3,520 |
Net charge-offs to loans | 0.1322% | 610 |
Credit loss provision to net charge-offs | 109.7561% | 1,520 |
Earnings coverage of net charge-offs (x) | 14.9431% | 1,882 |
Efficiency ratio | 69.1766% | 1,688 |
Assets per employee ($millions) | 4.7561% | 3,922 |
Cash dividends to net income (ytd only)* | 55.6288% | 977 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2876% | 2,553 |
Loan loss allowance to noncurrent loans | 394.0235% | 1,629 |
Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,954 |
Noncurrent loans to loans | 0.3268% | 2,613 |
Net loans and leases to total assets | 52.6652% | 3,121 |
Net loans and leases to deposits | 58.3574% | 3,374 |
Net loans and leases to core deposits | 62.1587% | 3,302 |
Total domestic deposits to total assets | 90.2461% | 660 |
Equity capital to assets | 9.3245% | 3,535 |
Core capital (leverage) ratio | 9.4216% | 3,093 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $529,833,250 | 1,635 |
Average earning assets | $499,065,750 | 1,618 |
Average equity | $49,369,000 | 1,806 |
Average total loans | $248,092,000 | 1,968 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7873% | 4,361 |
Cost of funding earning assets | 0.1610% | 4,114 |
Net interest margin | 2.6264% | 4,123 |
Noninterest income to average assets | 0.4002% | 3,108 |
Noninterest expense to average assets | 2.0656% | 3,504 |
Loan and lease loss provision to assets | 0.0683% | 1,686 |
Net operating income to assets | 0.7480% | 3,648 |
Return on assets (ROA) | 0.7707% | 3,656 |
Pretax return on assets | 0.7707% | 3,922 |
Return on Equity (ROE) | 8.2735% | 3,325 |
Retained earnings to average equity (ytd only) | 2.1172% | 4,088 |
Net charge-offs to loans | 0.1769% | 478 |
Credit loss provision to net charge-offs | 86.5385% | 1,453 |
Earnings coverage of net charge-offs (x) | 10.3462% | 1,802 |
Efficiency ratio | 71.6768% | 1,465 |
Assets per employee ($millions) | 4.7937% | 3,843 |
Cash dividends to net income (ytd only)* | 74.4094% | 591 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3891% | 2,025 |
Loan loss allowance to noncurrent loans | 327.6328% | 1,763 |
Noncurrent assets plus other real estate owned to assets | 0.2051% | 2,919 |
Noncurrent loans to loans | 0.4240% | 2,410 |
Net loans and leases to total assets | 47.7037% | 3,757 |
Net loans and leases to deposits | 52.6995% | 3,954 |
Net loans and leases to core deposits | 55.9952% | 3,889 |
Total domestic deposits to total assets | 90.5202% | 547 |
Equity capital to assets | 9.0683% | 3,739 |
Core capital (leverage) ratio | 8.9654% | 3,500 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $527,296,333 | 1,634 |
Average earning assets | $498,251,667 | 1,605 |
Average equity | $49,120,667 | 1,798 |
Average total loans | $235,210,000 | 2,061 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5832% | 4,583 |
Cost of funding earning assets | 0.1762% | 4,109 |
Net interest margin | 2.4069% | 4,408 |
Noninterest income to average assets | 0.4215% | 2,981 |
Noninterest expense to average assets | 2.0588% | 3,534 |
Loan and lease loss provision to assets | 0.0692% | 1,769 |
Net operating income to assets | 0.5622% | 4,036 |
Return on assets (ROA) | 0.6045% | 3,994 |
Pretax return on assets | 0.6045% | 4,187 |
Return on Equity (ROE) | 6.4007% | 3,751 |
Retained earnings to average equity (ytd only) | -4.4707% | 4,676 |
Net charge-offs to loans | 0.0126% | 1,498 |
Credit loss provision to net charge-offs | 1,285.7143% | 353 |
Earnings coverage of net charge-offs (x) | 117.2857% | 555 |
Efficiency ratio | 76.5294% | 1,084 |
Assets per employee ($millions) | 5.1267% | 3,506 |
Cash dividends to net income (ytd only)* | 169.8473% | 168 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6814% | 1,094 |
Loan loss allowance to noncurrent loans | 246.7763% | 2,031 |
Noncurrent assets plus other real estate owned to assets | 0.2879% | 2,706 |
Noncurrent loans to loans | 0.6813% | 1,884 |
Net loans and leases to total assets | 41.5382% | 4,264 |
Net loans and leases to deposits | 45.9804% | 4,352 |
Net loans and leases to core deposits | 48.4454% | 4,360 |
Total domestic deposits to total assets | 90.3389% | 649 |
Equity capital to assets | 9.1679% | 3,523 |
Core capital (leverage) ratio | 9.1670% | 3,431 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $520,099,500 | 1,636 |
Average earning assets | $490,249,000 | 1,615 |
Average equity | $49,120,000 | 1,785 |
Average total loans | $221,792,000 | 2,140 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3725% | 4,233 |
Cost of funding earning assets | 0.3785% | 3,723 |
Net interest margin | 2.9941% | 3,901 |
Noninterest income to average assets | 0.4435% | 2,901 |
Noninterest expense to average assets | 2.1970% | 3,671 |
Loan and lease loss provision to assets | 0.0803% | 3,372 |
Net operating income to assets | 0.9817% | 2,353 |
Return on assets (ROA) | 0.9783% | 2,513 |
Pretax return on assets | 0.9783% | 3,112 |
Return on Equity (ROE) | 9.6488% | 2,144 |
Retained earnings to average equity (ytd only) | 5.1160% | 2,228 |
Net charge-offs to loans | 0.3385% | 517 |
Credit loss provision to net charge-offs | 48.1622% | 3,154 |
Earnings coverage of net charge-offs (x) | 6.3726% | 2,789 |
Efficiency ratio | 66.9799% | 2,366 |
Assets per employee ($millions) | 4.9723% | 3,419 |
Cash dividends to net income (ytd only)* | 46.9775% | 2,011 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6636% | 1,131 |
Loan loss allowance to noncurrent loans | 289.9605% | 1,758 |
Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,042 |
Noncurrent loans to loans | 0.5737% | 2,261 |
Net loans and leases to total assets | 42.3359% | 4,332 |
Net loans and leases to deposits | 47.1541% | 4,426 |
Net loans and leases to core deposits | 49.7068% | 4,429 |
Total domestic deposits to total assets | 89.7819% | 644 |
Equity capital to assets | 9.7293% | 3,382 |
Core capital (leverage) ratio | 9.4500% | 3,173 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $473,456,200 | 1,631 |
Average earning assets | $445,214,800 | 1,606 |
Average equity | $48,006,000 | 1,757 |
Average total loans | $233,083,800 | 2,014 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5282% | 4,154 |
Cost of funding earning assets | 0.4201% | 3,703 |
Net interest margin | 3.1081% | 3,718 |
Noninterest income to average assets | 0.4600% | 2,793 |
Noninterest expense to average assets | 2.2501% | 3,554 |
Loan and lease loss provision to assets | 0.0834% | 3,271 |
Net operating income to assets | 1.0487% | 2,150 |
Return on assets (ROA) | 1.0378% | 2,320 |
Pretax return on assets | 1.0378% | 2,943 |
Return on Equity (ROE) | 10.1224% | 1,975 |
Retained earnings to average equity (ytd only) | 4.0209% | 3,040 |
Net charge-offs to loans | 0.4205% | 382 |
Credit loss provision to net charge-offs | 38.9262% | 2,931 |
Earnings coverage of net charge-offs (x) | 5.2859% | 2,744 |
Efficiency ratio | 66.0603% | 2,461 |
Assets per employee ($millions) | 4.7594% | 3,527 |
Cash dividends to net income (ytd only)* | 60.2770% | 1,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3561% | 1,928 |
Loan loss allowance to noncurrent loans | 377.2917% | 1,354 |
Noncurrent assets plus other real estate owned to assets | 0.1979% | 3,448 |
Noncurrent loans to loans | 0.3594% | 2,997 |
Net loans and leases to total assets | 53.7464% | 3,826 |
Net loans and leases to deposits | 59.9968% | 4,057 |
Net loans and leases to core deposits | 62.9480% | 4,056 |
Total domestic deposits to total assets | 89.5821% | 558 |
Equity capital to assets | 9.9528% | 3,269 |
Core capital (leverage) ratio | 9.7109% | 3,015 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $463,782,250 | 1,639 |
Average earning assets | $436,060,000 | 1,618 |
Average equity | $47,550,250 | 1,759 |
Average total loans | $236,231,750 | 1,989 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6200% | 4,228 |
Cost of funding earning assets | 0.4635% | 3,727 |
Net interest margin | 3.1565% | 3,774 |
Noninterest income to average assets | 0.4932% | 2,603 |
Noninterest expense to average assets | 2.2925% | 3,539 |
Loan and lease loss provision to assets | 0.0879% | 3,182 |
Net operating income to assets | 1.0827% | 2,028 |
Return on assets (ROA) | 1.0642% | 2,220 |
Pretax return on assets | 1.0642% | 2,822 |
Return on Equity (ROE) | 10.2723% | 1,900 |
Retained earnings to average equity (ytd only) | 2.3294% | 3,629 |
Net charge-offs to loans | 0.6586% | 240 |
Credit loss provision to net charge-offs | 26.8817% | 2,713 |
Earnings coverage of net charge-offs (x) | 3.5793% | 2,669 |
Efficiency ratio | 65.7400% | 2,561 |
Assets per employee ($millions) | 4.6644% | 3,575 |
Cash dividends to net income (ytd only)* | 77.3234% | 801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4350% | 1,465 |
Loan loss allowance to noncurrent loans | 385.6987% | 1,267 |
Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,569 |
Noncurrent loans to loans | 0.3720% | 3,075 |
Net loans and leases to total assets | 50.5112% | 4,136 |
Net loans and leases to deposits | 56.4271% | 4,278 |
Net loans and leases to core deposits | 58.7247% | 4,319 |
Total domestic deposits to total assets | 89.5159% | 565 |
Equity capital to assets | 10.0202% | 3,186 |
Core capital (leverage) ratio | 9.7654% | 3,070 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $454,968,667 | 1,643 |
Average earning assets | $428,068,000 | 1,622 |
Average equity | $47,136,667 | 1,761 |
Average total loans | $225,942,667 | 2,043 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7232% | 4,342 |
Cost of funding earning assets | 0.5245% | 3,828 |
Net interest margin | 3.1987% | 3,856 |
Noninterest income to average assets | 0.5924% | 2,069 |
Noninterest expense to average assets | 2.3318% | 3,693 |
Loan and lease loss provision to assets | 0.1131% | 2,270 |
Net operating income to assets | 1.1541% | 1,683 |
Return on assets (ROA) | 1.1044% | 1,922 |
Pretax return on assets | 1.1044% | 2,503 |
Return on Equity (ROE) | 10.4728% | 1,587 |
Retained earnings to average equity (ytd only) | -4.3744% | 4,470 |
Net charge-offs to loans | 1.3623% | 108 |
Credit loss provision to net charge-offs | 17.0068% | 2,213 |
Earnings coverage of net charge-offs (x) | 1.9061% | 2,331 |
Efficiency ratio | 64.3378% | 3,183 |
Assets per employee ($millions) | 4.3300% | 3,499 |
Cash dividends to net income (ytd only)* | 141.7690% | 495 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6451% | 963 |
Loan loss allowance to noncurrent loans | 320.4251% | 1,430 |
Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,428 |
Noncurrent loans to loans | 0.5134% | 2,729 |
Net loans and leases to total assets | 45.5909% | 4,443 |
Net loans and leases to deposits | 51.1854% | 4,555 |
Net loans and leases to core deposits | 53.4840% | 4,585 |
Total domestic deposits to total assets | 89.0701% | 630 |
Equity capital to assets | 10.3411% | 3,475 |
Core capital (leverage) ratio | 9.9894% | 3,470 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $442,238,000 | 1,641 |
Average earning assets | $415,664,500 | 1,617 |
Average equity | $46,635,000 | 1,769 |
Average total loans | $215,812,000 | 2,076 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1646% | 3,900 |
Cost of funding earning assets | 0.5290% | 3,973 |
Net interest margin | 3.6356% | 3,012 |
Noninterest income to average assets | 0.5260% | 2,598 |
Noninterest expense to average assets | 2.4688% | 3,530 |
Loan and lease loss provision to assets | 0.0590% | 2,857 |
Net operating income to assets | 1.4084% | 1,318 |
Return on assets (ROA) | 1.4187% | 1,356 |
Pretax return on assets | 1.4187% | 2,090 |
Return on Equity (ROE) | 13.6566% | 969 |
Retained earnings to average equity (ytd only) | 7.3842% | 1,213 |
Net charge-offs to loans | 0.0112% | 3,291 |
Credit loss provision to net charge-offs | 980.0000% | 357 |
Earnings coverage of net charge-offs (x) | 243.9200% | 340 |
Efficiency ratio | 62.2753% | 3,332 |
Assets per employee ($millions) | 4.1730% | 3,666 |
Cash dividends to net income (ytd only)* | 45.9294% | 2,279 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8458% | 605 |
Loan loss allowance to noncurrent loans | 203.8500% | 2,059 |
Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,546 |
Noncurrent loans to loans | 0.9055% | 1,694 |
Net loans and leases to total assets | 50.4392% | 4,314 |
Net loans and leases to deposits | 56.8875% | 4,425 |
Net loans and leases to core deposits | 59.0043% | 4,484 |
Total domestic deposits to total assets | 88.6649% | 812 |
Equity capital to assets | 10.7611% | 3,213 |
Core capital (leverage) ratio | 10.5111% | 2,941 |
Tier 1 risk-based capital ratio | 17.7653% | 1,819 |
Total risk-based capital ratio | 19.0196% | 1,775 |
Memoranda: | ||
Average total assets | $415,588,200 | 1,690 |
Average earning assets | $389,812,200 | 1,666 |
Average equity | $43,173,400 | 1,812 |
Average total loans | $223,381,000 | 2,008 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1818% | 3,960 |
Cost of funding earning assets | 0.5063% | 4,113 |
Net interest margin | 3.6755% | 3,009 |
Noninterest income to average assets | 0.5278% | 2,566 |
Noninterest expense to average assets | 2.5150% | 3,396 |
Loan and lease loss provision to assets | 0.0582% | 2,733 |
Net operating income to assets | 1.4031% | 1,459 |
Return on assets (ROA) | 1.4160% | 1,477 |
Pretax return on assets | 1.4160% | 2,248 |
Return on Equity (ROE) | 13.7596% | 1,037 |
Retained earnings to average equity (ytd only) | 5.2447% | 2,762 |
Net charge-offs to loans | 0.0107% | 2,981 |
Credit loss provision to net charge-offs | 1,000.0000% | 346 |
Earnings coverage of net charge-offs (x) | 250.8825% | 372 |
Efficiency ratio | 62.8011% | 3,199 |
Assets per employee ($millions) | 4.0211% | 3,875 |
Cash dividends to net income (ytd only)* | 61.8831% | 1,219 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6046% | 988 |
Loan loss allowance to noncurrent loans | 216.7745% | 1,978 |
Noncurrent assets plus other real estate owned to assets | 0.4433% | 2,753 |
Noncurrent loans to loans | 0.7402% | 2,112 |
Net loans and leases to total assets | 58.9310% | 3,776 |
Net loans and leases to deposits | 66.3763% | 4,041 |
Net loans and leases to core deposits | 68.9117% | 4,112 |
Total domestic deposits to total assets | 88.7832% | 699 |
Equity capital to assets | 10.6876% | 3,390 |
Core capital (leverage) ratio | 10.6508% | 2,974 |
Tier 1 risk-based capital ratio | 15.6352% | 2,588 |
Total risk-based capital ratio | 16.8873% | 2,524 |
Memoranda: | ||
Average total assets | $412,029,250 | 1,710 |
Average earning assets | $386,586,250 | 1,693 |
Average equity | $42,403,250 | 1,846 |
Average total loans | $224,007,000 | 2,009 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0571% | 4,261 |
Cost of funding earning assets | 0.4721% | 4,237 |
Net interest margin | 3.5850% | 3,313 |
Noninterest income to average assets | 0.5269% | 2,532 |
Noninterest expense to average assets | 2.5197% | 3,412 |
Loan and lease loss provision to assets | 0.0585% | 2,655 |
Net operating income to assets | 1.3123% | 1,728 |
Return on assets (ROA) | 1.3215% | 1,750 |
Pretax return on assets | 1.3215% | 2,469 |
Return on Equity (ROE) | 13.0117% | 1,237 |
Retained earnings to average equity (ytd only) | 1.5034% | 4,287 |
Net charge-offs to loans | 0.0167% | 2,557 |
Credit loss provision to net charge-offs | 666.6667% | 480 |
Earnings coverage of net charge-offs (x) | 156.1111% | 480 |
Efficiency ratio | 64.3135% | 3,082 |
Assets per employee ($millions) | 3.4799% | 4,521 |
Cash dividends to net income (ytd only)* | 88.4459% | 648 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6870% | 845 |
Loan loss allowance to noncurrent loans | 271.5364% | 1,718 |
Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,076 |
Noncurrent loans to loans | 0.6213% | 2,400 |
Net loans and leases to total assets | 57.6507% | 3,947 |
Net loans and leases to deposits | 64.9949% | 4,160 |
Net loans and leases to core deposits | 67.4647% | 4,238 |
Total domestic deposits to total assets | 88.7004% | 786 |
Equity capital to assets | 10.7746% | 3,287 |
Core capital (leverage) ratio | 10.5222% | 3,063 |
Tier 1 risk-based capital ratio | 15.9038% | 2,453 |
Total risk-based capital ratio | 17.1568% | 2,395 |
Memoranda: | ||
Average total assets | $409,974,330 | 1,721 |
Average earning assets | $384,663,330 | 1,706 |
Average equity | $41,639,330 | 1,871 |
Average total loans | $215,187,670 | 2,079 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9445% | 4,483 |
Cost of funding earning assets | 0.4196% | 4,405 |
Net interest margin | 3.5249% | 3,517 |
Noninterest income to average assets | 0.5370% | 2,356 |
Noninterest expense to average assets | 2.4876% | 3,543 |
Loan and lease loss provision to assets | 0.0579% | 2,503 |
Net operating income to assets | 1.3045% | 1,683 |
Return on assets (ROA) | 1.3277% | 1,642 |
Pretax return on assets | 1.3277% | 2,342 |
Return on Equity (ROE) | 13.4672% | 1,093 |
Retained earnings to average equity (ytd only) | -6.6798% | 4,998 |
Net charge-offs to loans | 0.0292% | 1,874 |
Credit loss provision to net charge-offs | 400.0000% | 692 |
Earnings coverage of net charge-offs (x) | 94.2000% | 694 |
Efficiency ratio | 64.1623% | 3,213 |
Assets per employee ($millions) | 3.8949% | 4,076 |
Cash dividends to net income (ytd only)* | 149.6006% | 328 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9182% | 579 |
Loan loss allowance to noncurrent loans | 268.9180% | 1,723 |
Noncurrent assets plus other real estate owned to assets | 0.3514% | 3,200 |
Noncurrent loans to loans | 0.7133% | 2,242 |
Net loans and leases to total assets | 48.3256% | 4,572 |
Net loans and leases to deposits | 54.0645% | 4,675 |
Net loans and leases to core deposits | 56.0220% | 4,717 |
Total domestic deposits to total assets | 89.3851% | 698 |
Equity capital to assets | 9.9566% | 3,868 |
Core capital (leverage) ratio | 10.0879% | 3,507 |
Tier 1 risk-based capital ratio | 16.7852% | 2,176 |
Total risk-based capital ratio | 18.0394% | 2,130 |
Memoranda: | ||
Average total assets | $414,866,000 | 1,710 |
Average earning assets | $389,912,000 | 1,681 |
Average equity | $40,899,500 | 1,895 |
Average total loans | $205,445,500 | 2,172 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8760% | 4,325 |
Cost of funding earning assets | 0.2897% | 4,618 |
Net interest margin | 3.5863% | 3,430 |
Noninterest income to average assets | 0.5413% | 2,603 |
Noninterest expense to average assets | 2.4829% | 3,661 |
Loan and lease loss provision to assets | 0.0592% | 2,980 |
Net operating income to assets | 1.3467% | 1,627 |
Return on assets (ROA) | 1.3585% | 1,566 |
Pretax return on assets | 1.3585% | 2,280 |
Return on Equity (ROE) | 13.5025% | 1,170 |
Retained earnings to average equity (ytd only) | 0.5518% | 4,836 |
Net charge-offs to loans | 0.0100% | 3,337 |
Credit loss provision to net charge-offs | 1,200.0000% | 331 |
Earnings coverage of net charge-offs (x) | 284.9000% | 341 |
Efficiency ratio | 63.3843% | 3,277 |
Assets per employee ($millions) | 3.9702% | 3,933 |
Cash dividends to net income (ytd only)* | 95.9135% | 331 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8591% | 612 |
Loan loss allowance to noncurrent loans | 1,745.2489% | 403 |
Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,577 |
Noncurrent loans to loans | 0.1065% | 4,255 |
Net loans and leases to total assets | 48.8435% | 4,590 |
Net loans and leases to deposits | 54.4562% | 4,733 |
Net loans and leases to core deposits | 56.5368% | 4,763 |
Total domestic deposits to total assets | 89.6932% | 578 |
Equity capital to assets | 9.7613% | 3,893 |
Core capital (leverage) ratio | 10.3414% | 3,211 |
Tier 1 risk-based capital ratio | 17.3791% | 1,929 |
Total risk-based capital ratio | 18.6336% | 1,887 |
Memoranda: | ||
Average total assets | $405,294,200 | 1,693 |
Average earning assets | $378,298,000 | 1,685 |
Average equity | $40,777,600 | 1,819 |
Average total loans | $200,235,400 | 2,176 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8168% | 4,400 |
Cost of funding earning assets | 0.2708% | 4,670 |
Net interest margin | 3.5460% | 3,531 |
Noninterest income to average assets | 0.5411% | 2,615 |
Noninterest expense to average assets | 2.4973% | 3,610 |
Loan and lease loss provision to assets | 0.0596% | 2,788 |
Net operating income to assets | 1.2862% | 1,911 |
Return on assets (ROA) | 1.3022% | 1,846 |
Pretax return on assets | 1.3022% | 2,620 |
Return on Equity (ROE) | 12.8431% | 1,487 |
Retained earnings to average equity (ytd only) | 5.3922% | 3,013 |
Net charge-offs to loans | 0.0081% | 3,125 |
Credit loss provision to net charge-offs | 1,500.0000% | 268 |
Earnings coverage of net charge-offs (x) | 338.4913% | 278 |
Efficiency ratio | 64.5056% | 3,100 |
Assets per employee ($millions) | 3.7789% | 4,205 |
Cash dividends to net income (ytd only)* | 58.0152% | 1,283 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6270% | 1,016 |
Loan loss allowance to noncurrent loans | 3,019.8413% | 245 |
Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,828 |
Noncurrent loans to loans | 0.0539% | 4,652 |
Net loans and leases to total assets | 56.8971% | 4,143 |
Net loans and leases to deposits | 64.8514% | 4,286 |
Net loans and leases to core deposits | 67.1576% | 4,343 |
Total domestic deposits to total assets | 87.7345% | 1,370 |
Equity capital to assets | 10.2610% | 3,393 |
Core capital (leverage) ratio | 10.8944% | 2,682 |
Tier 1 risk-based capital ratio | 16.3828% | 2,307 |
Total risk-based capital ratio | 17.6352% | 2,250 |
Memoranda: | ||
Average total assets | $402,400,250 | 1,709 |
Average earning assets | $374,723,500 | 1,705 |
Average equity | $40,799,000 | 1,829 |
Average total loans | $198,426,500 | 2,197 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6217% | 4,730 |
Cost of funding earning assets | 0.2395% | 4,805 |
Net interest margin | 3.3823% | 4,008 |
Noninterest income to average assets | 0.5416% | 2,617 |
Noninterest expense to average assets | 2.4747% | 3,699 |
Loan and lease loss provision to assets | 0.0597% | 2,709 |
Net operating income to assets | 1.1574% | 2,362 |
Return on assets (ROA) | 1.1813% | 2,273 |
Pretax return on assets | 1.1813% | 3,005 |
Return on Equity (ROE) | 11.6987% | 1,842 |
Retained earnings to average equity (ytd only) | 1.6811% | 4,574 |
Net charge-offs to loans | 0.0096% | 2,794 |
Credit loss provision to net charge-offs | 1,333.3333% | 314 |
Earnings coverage of net charge-offs (x) | 271.6667% | 329 |
Efficiency ratio | 66.5453% | 2,887 |
Assets per employee ($millions) | 3.7670% | 4,255 |
Cash dividends to net income (ytd only)* | 85.6300% | 594 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7643% | 805 |
Loan loss allowance to noncurrent loans | 4,685.0000% | 167 |
Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,929 |
Noncurrent loans to loans | 0.0377% | 4,745 |
Net loans and leases to total assets | 53.2694% | 4,395 |
Net loans and leases to deposits | 59.7276% | 4,542 |
Net loans and leases to core deposits | 61.8669% | 4,605 |
Total domestic deposits to total assets | 89.1873% | 857 |
Equity capital to assets | 10.3216% | 3,319 |
Core capital (leverage) ratio | 10.5733% | 2,951 |
Tier 1 risk-based capital ratio | 17.0292% | 2,088 |
Total risk-based capital ratio | 18.2825% | 2,036 |
Memoranda: | ||
Average total assets | $401,751,670 | 1,720 |
Average earning assets | $374,184,670 | 1,710 |
Average equity | $40,568,670 | 1,841 |
Average total loans | $186,613,330 | 2,293 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4873% | 4,901 |
Cost of funding earning assets | 0.2270% | 4,852 |
Net interest margin | 3.2602% | 4,290 |
Noninterest income to average assets | 0.5714% | 2,417 |
Noninterest expense to average assets | 2.4340% | 3,848 |
Loan and lease loss provision to assets | 0.0590% | 2,588 |
Net operating income to assets | 1.1004% | 2,417 |
Return on assets (ROA) | 1.1477% | 2,241 |
Pretax return on assets | 1.1477% | 2,975 |
Return on Equity (ROE) | 11.4878% | 1,776 |
Retained earnings to average equity (ytd only) | -5.4830% | 5,226 |
Net charge-offs to loans | 0.0184% | 2,139 |
Credit loss provision to net charge-offs | 750.0000% | 436 |
Earnings coverage of net charge-offs (x) | 147.3750% | 439 |
Efficiency ratio | 67.2414% | 2,963 |
Assets per employee ($millions) | 3.9449% | 4,068 |
Cash dividends to net income (ytd only)* | 147.7292% | 319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0249% | 518 |
Loan loss allowance to noncurrent loans | 1,469.7211% | 440 |
Noncurrent assets plus other real estate owned to assets | 0.0962% | 4,607 |
Noncurrent loans to loans | 0.1378% | 4,350 |
Net loans and leases to total assets | 43.9275% | 4,900 |
Net loans and leases to deposits | 49.0076% | 5,006 |
Net loans and leases to core deposits | 50.6485% | 5,026 |
Total domestic deposits to total assets | 89.6342% | 821 |
Equity capital to assets | 9.7907% | 3,802 |
Core capital (leverage) ratio | 10.1178% | 3,405 |
Tier 1 risk-based capital ratio | 18.0563% | 1,822 |
Total risk-based capital ratio | 19.3110% | 1,769 |
Memoranda: | ||
Average total assets | $406,743,000 | 1,707 |
Average earning assets | $377,028,500 | 1,709 |
Average equity | $40,634,500 | 1,844 |
Average total loans | $173,699,500 | 2,428 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3463% | 5,016 |
Cost of funding earning assets | 0.2196% | 4,795 |
Net interest margin | 3.1267% | 4,636 |
Noninterest income to average assets | 0.5203% | 2,877 |
Noninterest expense to average assets | 2.3304% | 4,254 |
Loan and lease loss provision to assets | 0.0606% | 3,020 |
Net operating income to assets | 1.0036% | 2,223 |
Return on assets (ROA) | 1.0036% | 2,262 |
Pretax return on assets | 1.0036% | 3,552 |
Return on Equity (ROE) | 9.7747% | 1,989 |
Retained earnings to average equity (ytd only) | 4.5871% | 2,400 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0759% | 2,883 |
Assets per employee ($millions) | 3.9918% | 3,975 |
Cash dividends to net income (ytd only)* | 53.0715% | 2,122 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2013% | 371 |
Loan loss allowance to noncurrent loans | 3,637.0000% | 224 |
Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,830 |
Noncurrent loans to loans | 0.0605% | 4,720 |
Net loans and leases to total assets | 39.6856% | 5,143 |
Net loans and leases to deposits | 44.4221% | 5,236 |
Net loans and leases to core deposits | 45.9152% | 5,238 |
Total domestic deposits to total assets | 89.3376% | 852 |
Equity capital to assets | 10.1894% | 3,501 |
Core capital (leverage) ratio | 10.2807% | 3,089 |
Tier 1 risk-based capital ratio | 21.1738% | 1,116 |
Total risk-based capital ratio | 22.4311% | 1,094 |
Memoranda: | ||
Average total assets | $395,769,000 | 1,718 |
Average earning assets | $363,833,000 | 1,740 |
Average equity | $40,635,600 | 1,830 |
Average total loans | $163,064,000 | 2,507 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3149% | 5,094 |
Cost of funding earning assets | 0.2213% | 4,799 |
Net interest margin | 3.0936% | 4,730 |
Noninterest income to average assets | 0.5209% | 2,895 |
Noninterest expense to average assets | 2.3268% | 4,227 |
Loan and lease loss provision to assets | 0.0611% | 2,853 |
Net operating income to assets | 0.9742% | 2,669 |
Return on assets (ROA) | 0.9742% | 2,725 |
Pretax return on assets | 0.9742% | 3,788 |
Return on Equity (ROE) | 9.4697% | 2,366 |
Retained earnings to average equity (ytd only) | 2.5200% | 4,382 |
Net charge-offs to loans | 0.0066% | 3,495 |
Credit loss provision to net charge-offs | 2,250.0000% | 187 |
Earnings coverage of net charge-offs (x) | 381.2465% | 247 |
Efficiency ratio | 68.6112% | 2,764 |
Assets per employee ($millions) | 3.7560% | 4,364 |
Cash dividends to net income (ytd only)* | 73.3891% | 845 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9877% | 583 |
Loan loss allowance to noncurrent loans | 2,411.4865% | 296 |
Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,494 |
Noncurrent loans to loans | 0.0824% | 4,741 |
Net loans and leases to total assets | 45.0521% | 4,984 |
Net loans and leases to deposits | 50.6338% | 5,099 |
Net loans and leases to core deposits | 52.3293% | 5,130 |
Total domestic deposits to total assets | 88.9762% | 903 |
Equity capital to assets | 10.5996% | 3,262 |
Core capital (leverage) ratio | 10.5288% | 2,956 |
Tier 1 risk-based capital ratio | 19.5218% | 1,474 |
Total risk-based capital ratio | 20.7774% | 1,437 |
Memoranda: | ||
Average total assets | $392,921,250 | 1,746 |
Average earning assets | $360,864,250 | 1,758 |
Average equity | $40,422,750 | 1,856 |
Average total loans | $162,524,750 | 2,529 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1411% | 5,310 |
Cost of funding earning assets | 0.2198% | 4,806 |
Net interest margin | 2.9213% | 5,057 |
Noninterest income to average assets | 0.5334% | 2,807 |
Noninterest expense to average assets | 2.3049% | 4,329 |
Loan and lease loss provision to assets | 0.0610% | 2,742 |
Net operating income to assets | 0.8545% | 3,138 |
Return on assets (ROA) | 0.8545% | 3,188 |
Pretax return on assets | 0.8545% | 4,087 |
Return on Equity (ROE) | 8.3900% | 2,833 |
Retained earnings to average equity (ytd only) | -0.7881% | 5,204 |
Net charge-offs to loans | -0.0038% | 4,278 |
Credit loss provision to net charge-offs | -4,000.0000% | 5,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.9418% | 2,519 |
Assets per employee ($millions) | 3.7129% | 4,419 |
Cash dividends to net income (ytd only)* | 109.3936% | 381 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1092% | 503 |
Loan loss allowance to noncurrent loans | 745.7627% | 743 |
Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,554 |
Noncurrent loans to loans | 0.2828% | 4,027 |
Net loans and leases to total assets | 41.9040% | 5,145 |
Net loans and leases to deposits | 47.0035% | 5,250 |
Net loans and leases to core deposits | 48.5975% | 5,264 |
Total domestic deposits to total assets | 89.1508% | 885 |
Equity capital to assets | 10.4295% | 3,432 |
Core capital (leverage) ratio | 10.2090% | 3,261 |
Tier 1 risk-based capital ratio | 20.0231% | 1,367 |
Total risk-based capital ratio | 21.2797% | 1,330 |
Memoranda: | ||
Average total assets | $393,685,670 | 1,746 |
Average earning assets | $362,104,330 | 1,755 |
Average equity | $40,095,330 | 1,866 |
Average total loans | $156,848,000 | 2,605 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0011% | 5,456 |
Cost of funding earning assets | 0.2167% | 4,828 |
Net interest margin | 2.7844% | 5,279 |
Noninterest income to average assets | 0.5753% | 2,537 |
Noninterest expense to average assets | 2.2599% | 4,507 |
Loan and lease loss provision to assets | 0.0607% | 2,587 |
Net operating income to assets | 0.8140% | 3,162 |
Return on assets (ROA) | 0.8140% | 3,216 |
Pretax return on assets | 0.8140% | 4,065 |
Return on Equity (ROE) | 8.0878% | 2,881 |
Retained earnings to average equity (ytd only) | -7.8065% | 5,515 |
Net charge-offs to loans | -0.0026% | 4,040 |
Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4194% | 2,677 |
Assets per employee ($millions) | 3.7060% | 4,495 |
Cash dividends to net income (ytd only)* | 196.5217% | 244 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3091% | 410 |
Loan loss allowance to noncurrent loans | 362.0942% | 1,370 |
Noncurrent assets plus other real estate owned to assets | 0.2386% | 4,272 |
Noncurrent loans to loans | 0.6377% | 2,917 |
Net loans and leases to total assets | 36.5518% | 5,381 |
Net loans and leases to deposits | 40.8231% | 5,444 |
Net loans and leases to core deposits | 42.1956% | 5,460 |
Total domestic deposits to total assets | 89.5372% | 878 |
Equity capital to assets | 9.9006% | 3,875 |
Core capital (leverage) ratio | 9.9003% | 3,623 |
Tier 1 risk-based capital ratio | 20.7327% | 1,257 |
Total risk-based capital ratio | 21.9901% | 1,235 |
Memoranda: | ||
Average total assets | $395,601,000 | 1,753 |
Average earning assets | $363,603,500 | 1,758 |
Average equity | $39,813,000 | 1,872 |
Average total loans | $151,829,500 | 2,675 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1829% | 5,324 |
Cost of funding earning assets | 0.2309% | 4,728 |
Net interest margin | 2.9519% | 5,048 |
Noninterest income to average assets | 0.5759% | 2,783 |
Noninterest expense to average assets | 2.3134% | 4,529 |
Loan and lease loss provision to assets | 0.0625% | 3,124 |
Net operating income to assets | 0.9009% | 2,816 |
Return on assets (ROA) | 0.9022% | 2,927 |
Pretax return on assets | 0.9022% | 3,848 |
Return on Equity (ROE) | 8.7306% | 2,551 |
Retained earnings to average equity (ytd only) | 4.1802% | 2,933 |
Net charge-offs to loans | 0.0813% | 2,527 |
Credit loss provision to net charge-offs | 193.5484% | 1,461 |
Earnings coverage of net charge-offs (x) | 29.8548% | 1,437 |
Efficiency ratio | 69.9253% | 2,913 |
Assets per employee ($millions) | 3.7234% | 4,442 |
Cash dividends to net income (ytd only)* | 52.1200% | 2,180 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2072% | 463 |
Loan loss allowance to noncurrent loans | 336.0040% | 1,491 |
Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,262 |
Noncurrent loans to loans | 0.6569% | 2,886 |
Net loans and leases to total assets | 38.4971% | 5,384 |
Net loans and leases to deposits | 43.1025% | 5,461 |
Net loans and leases to core deposits | 44.5884% | 5,473 |
Total domestic deposits to total assets | 89.3154% | 944 |
Equity capital to assets | 10.2311% | 3,465 |
Core capital (leverage) ratio | 10.1507% | 3,305 |
Tier 1 risk-based capital ratio | 21.8667% | 1,103 |
Total risk-based capital ratio | 23.1243% | 1,077 |
Memoranda: | ||
Average total assets | $384,279,600 | 1,744 |
Average earning assets | $351,600,200 | 1,763 |
Average equity | $39,711,000 | 1,857 |
Average total loans | $152,579,600 | 2,610 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1618% | 5,416 |
Cost of funding earning assets | 0.2322% | 4,775 |
Net interest margin | 2.9296% | 5,134 |
Noninterest income to average assets | 0.5757% | 2,787 |
Noninterest expense to average assets | 2.3240% | 4,479 |
Loan and lease loss provision to assets | 0.0627% | 2,981 |
Net operating income to assets | 0.8670% | 3,063 |
Return on assets (ROA) | 0.8684% | 3,178 |
Pretax return on assets | 0.8684% | 4,081 |
Return on Equity (ROE) | 8.3821% | 2,815 |
Retained earnings to average equity (ytd only) | 2.3041% | 4,540 |
Net charge-offs to loans | 0.1033% | 1,913 |
Credit loss provision to net charge-offs | 152.5424% | 1,747 |
Earnings coverage of net charge-offs (x) | 22.6101% | 1,747 |
Efficiency ratio | 70.7401% | 2,787 |
Assets per employee ($millions) | 3.6855% | 4,502 |
Cash dividends to net income (ytd only)* | 72.5120% | 957 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8974% | 858 |
Loan loss allowance to noncurrent loans | 397.9762% | 1,277 |
Noncurrent assets plus other real estate owned to assets | 0.2319% | 4,516 |
Noncurrent loans to loans | 0.4768% | 3,584 |
Net loans and leases to total assets | 45.0941% | 5,137 |
Net loans and leases to deposits | 50.6771% | 5,268 |
Net loans and leases to core deposits | 52.4450% | 5,293 |
Total domestic deposits to total assets | 88.9831% | 919 |
Equity capital to assets | 10.6313% | 3,423 |
Core capital (leverage) ratio | 10.3139% | 3,214 |
Tier 1 risk-based capital ratio | 19.2870% | 1,605 |
Total risk-based capital ratio | 20.5423% | 1,563 |
Memoranda: | ||
Average total assets | $382,611,000 | 1,751 |
Average earning assets | $349,748,750 | 1,781 |
Average equity | $39,639,000 | 1,874 |
Average total loans | $152,248,750 | 2,616 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9938% | 5,659 |
Cost of funding earning assets | 0.2314% | 4,838 |
Net interest margin | 2.7625% | 5,494 |
Noninterest income to average assets | 0.5827% | 2,710 |
Noninterest expense to average assets | 2.3150% | 4,568 |
Loan and lease loss provision to assets | 0.0628% | 2,882 |
Net operating income to assets | 0.7343% | 3,631 |
Return on assets (ROA) | 0.7359% | 3,784 |
Pretax return on assets | 0.7359% | 4,508 |
Return on Equity (ROE) | 7.1660% | 3,453 |
Retained earnings to average equity (ytd only) | -0.5755% | 5,380 |
Net charge-offs to loans | 0.1567% | 1,393 |
Credit loss provision to net charge-offs | 106.1947% | 2,014 |
Earnings coverage of net charge-offs (x) | 13.4867% | 2,122 |
Efficiency ratio | 73.6639% | 2,412 |
Assets per employee ($millions) | 3.5008% | 4,749 |
Cash dividends to net income (ytd only)* | 108.0313% | 426 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9834% | 764 |
Loan loss allowance to noncurrent loans | 378.8018% | 1,348 |
Noncurrent assets plus other real estate owned to assets | 0.2296% | 4,574 |
Noncurrent loans to loans | 0.5236% | 3,514 |
Net loans and leases to total assets | 42.5830% | 5,309 |
Net loans and leases to deposits | 47.7591% | 5,427 |
Net loans and leases to core deposits | 49.5664% | 5,451 |
Total domestic deposits to total assets | 89.1620% | 841 |
Equity capital to assets | 10.4509% | 3,693 |
Core capital (leverage) ratio | 9.9985% | 3,567 |
Tier 1 risk-based capital ratio | 19.2981% | 1,628 |
Total risk-based capital ratio | 20.5536% | 1,586 |
Memoranda: | ||
Average total assets | $382,384,000 | 1,750 |
Average earning assets | $350,118,670 | 1,771 |
Average equity | $39,269,000 | 1,886 |
Average total loans | $144,270,000 | 2,718 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8372% | 5,834 |
Cost of funding earning assets | 0.2299% | 4,902 |
Net interest margin | 2.6073% | 5,713 |
Noninterest income to average assets | 0.6030% | 2,512 |
Noninterest expense to average assets | 2.2948% | 4,675 |
Loan and lease loss provision to assets | 0.0627% | 2,698 |
Net operating income to assets | 0.6395% | 4,025 |
Return on assets (ROA) | 0.6427% | 4,131 |
Pretax return on assets | 0.6427% | 4,695 |
Return on Equity (ROE) | 6.3135% | 3,826 |
Retained earnings to average equity (ytd only) | -4.3425% | 5,568 |
Net charge-offs to loans | 0.2906% | 731 |
Credit loss provision to net charge-offs | 61.8557% | 1,963 |
Earnings coverage of net charge-offs (x) | 6.9278% | 2,195 |
Efficiency ratio | 75.8368% | 2,195 |
Assets per employee ($millions) | 3.6606% | 4,541 |
Cash dividends to net income (ytd only)* | 168.7805% | 326 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3839% | 454 |
Loan loss allowance to noncurrent loans | 367.8005% | 1,352 |
Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,648 |
Noncurrent loans to loans | 0.6482% | 3,229 |
Net loans and leases to total assets | 34.2330% | 5,707 |
Net loans and leases to deposits | 38.2833% | 5,769 |
Net loans and leases to core deposits | 39.7009% | 5,779 |
Total domestic deposits to total assets | 89.4203% | 879 |
Equity capital to assets | 10.1024% | 3,947 |
Core capital (leverage) ratio | 9.9727% | 3,569 |
Tier 1 risk-based capital ratio | 21.7668% | 1,195 |
Total risk-based capital ratio | 23.0245% | 1,176 |
Memoranda: | ||
Average total assets | $382,784,000 | 1,751 |
Average earning assets | $351,479,000 | 1,771 |
Average equity | $38,964,000 | 1,895 |
Average total loans | $133,516,000 | 2,880 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9098% | 5,802 |
Cost of funding earning assets | 0.2326% | 4,981 |
Net interest margin | 2.6772% | 5,677 |
Noninterest income to average assets | 0.5494% | 3,015 |
Noninterest expense to average assets | 2.2681% | 4,885 |
Loan and lease loss provision to assets | 0.0635% | 3,026 |
Net operating income to assets | 0.6785% | 3,911 |
Return on assets (ROA) | 0.6872% | 3,977 |
Pretax return on assets | 0.6882% | 4,560 |
Return on Equity (ROE) | 6.7771% | 3,630 |
Retained earnings to average equity (ytd only) | 2.3546% | 4,381 |
Net charge-offs to loans | -0.0302% | 5,404 |
Credit loss provision to net charge-offs | -600.0000% | 5,476 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5785% | 2,494 |
Assets per employee ($millions) | 3.5284% | 4,781 |
Cash dividends to net income (ytd only)* | 65.2559% | 1,470 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5054% | 392 |
Loan loss allowance to noncurrent loans | 154.2548% | 2,748 |
Noncurrent assets plus other real estate owned to assets | 0.5634% | 3,400 |
Noncurrent loans to loans | 1.6242% | 1,409 |
Net loans and leases to total assets | 33.8172% | 5,782 |
Net loans and leases to deposits | 37.8570% | 5,841 |
Net loans and leases to core deposits | 39.2365% | 5,845 |
Total domestic deposits to total assets | 89.3286% | 946 |
Equity capital to assets | 10.2579% | 3,670 |
Core capital (leverage) ratio | 10.0610% | 3,421 |
Tier 1 risk-based capital ratio | 23.4148% | 965 |
Total risk-based capital ratio | 24.6745% | 953 |
Memoranda: | ||
Average total assets | $378,206,000 | 1,738 |
Average earning assets | $347,750,600 | 1,745 |
Average equity | $38,349,800 | 1,872 |
Average total loans | $132,441,800 | 2,850 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8910% | 5,898 |
Cost of funding earning assets | 0.2324% | 5,070 |
Net interest margin | 2.6585% | 5,777 |
Noninterest income to average assets | 0.5434% | 3,084 |
Noninterest expense to average assets | 2.2587% | 4,887 |
Loan and lease loss provision to assets | 0.0634% | 2,913 |
Net operating income to assets | 0.6635% | 4,060 |
Return on assets (ROA) | 0.6748% | 4,121 |
Pretax return on assets | 0.6748% | 4,763 |
Return on Equity (ROE) | 6.6743% | 3,796 |
Retained earnings to average equity (ytd only) | 0.7633% | 5,385 |
Net charge-offs to loans | -0.0402% | 5,468 |
Credit loss provision to net charge-offs | -450.0000% | 5,338 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.8967% | 2,417 |
Assets per employee ($millions) | 3.4201% | 4,943 |
Cash dividends to net income (ytd only)* | 88.5641% | 557 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2052% | 656 |
Loan loss allowance to noncurrent loans | 1,095.5782% | 526 |
Noncurrent assets plus other real estate owned to assets | 0.0789% | 5,442 |
Noncurrent loans to loans | 0.2013% | 4,841 |
Net loans and leases to total assets | 38.3177% | 5,679 |
Net loans and leases to deposits | 42.9725% | 5,763 |
Net loans and leases to core deposits | 44.5419% | 5,775 |
Total domestic deposits to total assets | 89.1679% | 935 |
Equity capital to assets | 10.3989% | 3,709 |
Core capital (leverage) ratio | 10.0186% | 3,601 |
Tier 1 risk-based capital ratio | 21.5364% | 1,260 |
Total risk-based capital ratio | 22.7941% | 1,241 |
Memoranda: | ||
Average total assets | $378,372,000 | 1,747 |
Average earning assets | $347,604,000 | 1,759 |
Average equity | $38,255,250 | 1,890 |
Average total loans | $132,813,500 | 2,860 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7307% | 6,056 |
Cost of funding earning assets | 0.2299% | 5,148 |
Net interest margin | 2.5008% | 5,960 |
Noninterest income to average assets | 0.5391% | 3,115 |
Noninterest expense to average assets | 2.2250% | 5,039 |
Loan and lease loss provision to assets | 0.0631% | 2,855 |
Net operating income to assets | 0.5512% | 4,553 |
Return on assets (ROA) | 0.5675% | 4,588 |
Pretax return on assets | 0.5675% | 5,056 |
Return on Equity (ROE) | 5.6663% | 4,293 |
Retained earnings to average equity (ytd only) | -2.1478% | 5,844 |
Net charge-offs to loans | -0.0732% | 5,679 |
Credit loss provision to net charge-offs | -255.3191% | 5,076 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.5843% | 2,127 |
Assets per employee ($millions) | 3.5169% | 4,755 |
Cash dividends to net income (ytd only)* | 137.9055% | 222 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2866% | 645 |
Loan loss allowance to noncurrent loans | 1,252.1739% | 460 |
Noncurrent assets plus other real estate owned to assets | 0.0712% | 5,579 |
Noncurrent loans to loans | 0.1826% | 5,045 |
Net loans and leases to total assets | 35.9758% | 5,821 |
Net loans and leases to deposits | 40.1586% | 5,894 |
Net loans and leases to core deposits | 42.4844% | 5,884 |
Total domestic deposits to total assets | 89.5841% | 856 |
Equity capital to assets | 10.0269% | 4,007 |
Core capital (leverage) ratio | 9.7710% | 3,912 |
Tier 1 risk-based capital ratio | 21.8144% | 1,231 |
Total risk-based capital ratio | 23.0724% | 1,216 |
Memoranda: | ||
Average total assets | $380,233,000 | 1,747 |
Average earning assets | $349,723,000 | 1,749 |
Average equity | $38,085,000 | 1,908 |
Average total loans | $128,396,330 | 2,940 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6077% | 6,180 |
Cost of funding earning assets | 0.2274% | 5,242 |
Net interest margin | 2.3802% | 6,108 |
Noninterest income to average assets | 0.5725% | 2,818 |
Noninterest expense to average assets | 2.2355% | 5,061 |
Loan and lease loss provision to assets | 0.0628% | 2,669 |
Net operating income to assets | 0.4647% | 4,811 |
Return on assets (ROA) | 0.4647% | 4,928 |
Pretax return on assets | 0.4647% | 5,274 |
Return on Equity (ROE) | 4.6417% | 4,693 |
Retained earnings to average equity (ytd only) | -8.0812% | 6,083 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.1136% | 1,888 |
Assets per employee ($millions) | 3.6308% | 4,663 |
Cash dividends to net income (ytd only)* | 274.0991% | 135 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5810% | 472 |
Loan loss allowance to noncurrent loans | 1,877.9141% | 321 |
Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,750 |
Noncurrent loans to loans | 0.1374% | 5,285 |
Net loans and leases to total assets | 30.5969% | 6,051 |
Net loans and leases to deposits | 34.2397% | 6,114 |
Net loans and leases to core deposits | 36.2114% | 6,091 |
Total domestic deposits to total assets | 89.3608% | 1,065 |
Equity capital to assets | 10.1024% | 4,010 |
Core capital (leverage) ratio | 9.5015% | 4,273 |
Tier 1 risk-based capital ratio | 23.9162% | 1,003 |
Total risk-based capital ratio | 25.1756% | 988 |
Memoranda: | ||
Average total assets | $382,195,000 | 1,743 |
Average earning assets | $351,729,500 | 1,749 |
Average equity | $38,261,500 | 1,913 |
Average total loans | $123,320,500 | 3,030 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9124% | 6,123 |
Cost of funding earning assets | 0.2382% | 5,438 |
Net interest margin | 2.6741% | 5,979 |
Noninterest income to average assets | 0.5721% | 3,037 |
Noninterest expense to average assets | 2.2330% | 5,276 |
Loan and lease loss provision to assets | 0.0666% | 3,164 |
Net operating income to assets | 0.7235% | 3,776 |
Return on assets (ROA) | 0.7241% | 3,882 |
Pretax return on assets | 0.7241% | 4,534 |
Return on Equity (ROE) | 7.3196% | 3,464 |
Retained earnings to average equity (ytd only) | 2.6977% | 4,327 |
Net charge-offs to loans | 0.0264% | 4,297 |
Credit loss provision to net charge-offs | 735.2941% | 368 |
Earnings coverage of net charge-offs (x) | 87.1765% | 588 |
Efficiency ratio | 73.1129% | 3,005 |
Assets per employee ($millions) | 3.6837% | 4,560 |
Cash dividends to net income (ytd only)* | 63.1443% | 1,596 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3437% | 678 |
Loan loss allowance to noncurrent loans | 3,572.6190% | 212 |
Noncurrent assets plus other real estate owned to assets | 0.0256% | 5,943 |
Noncurrent loans to loans | 0.0656% | 5,616 |
Net loans and leases to total assets | 32.3290% | 6,104 |
Net loans and leases to deposits | 36.0526% | 6,171 |
Net loans and leases to core deposits | 38.0916% | 6,146 |
Total domestic deposits to total assets | 89.6718% | 886 |
Equity capital to assets | 9.9218% | 4,210 |
Core capital (leverage) ratio | 9.6056% | 4,088 |
Tier 1 risk-based capital ratio | 23.6146% | 993 |
Total risk-based capital ratio | 24.8730% | 975 |
Memoranda: | ||
Average total assets | $375,107,800 | 1,741 |
Average earning assets | $343,810,600 | 1,742 |
Average equity | $37,106,000 | 1,896 |
Average total loans | $128,738,000 | 2,891 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9260% | 6,181 |
Cost of funding earning assets | 0.2403% | 5,507 |
Net interest margin | 2.6857% | 6,021 |
Noninterest income to average assets | 0.5656% | 3,095 |
Noninterest expense to average assets | 2.2680% | 5,187 |
Loan and lease loss provision to assets | 0.0681% | 2,980 |
Net operating income to assets | 0.6874% | 4,008 |
Return on assets (ROA) | 0.6882% | 4,094 |
Pretax return on assets | 0.6882% | 4,740 |
Return on Equity (ROE) | 6.9621% | 3,722 |
Retained earnings to average equity (ytd only) | 0.7466% | 5,581 |
Net charge-offs to loans | 0.0155% | 4,236 |
Credit loss provision to net charge-offs | 1,266.6667% | 272 |
Earnings coverage of net charge-offs (x) | 140.5965% | 435 |
Efficiency ratio | 74.2536% | 2,779 |
Assets per employee ($millions) | 3.3707% | 5,100 |
Cash dividends to net income (ytd only)* | 89.2764% | 547 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9663% | 1,318 |
Loan loss allowance to noncurrent loans | 1,827.1605% | 328 |
Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,988 |
Noncurrent loans to loans | 0.1076% | 5,610 |
Net loans and leases to total assets | 39.4424% | 5,846 |
Net loans and leases to deposits | 44.0420% | 5,968 |
Net loans and leases to core deposits | 46.8520% | 5,930 |
Total domestic deposits to total assets | 89.5564% | 958 |
Equity capital to assets | 9.9911% | 4,177 |
Core capital (leverage) ratio | 9.9206% | 3,778 |
Tier 1 risk-based capital ratio | 20.2497% | 1,601 |
Total risk-based capital ratio | 21.5046% | 1,569 |
Memoranda: | ||
Average total assets | $372,188,250 | 1,766 |
Average earning assets | $340,610,500 | 1,763 |
Average equity | $36,788,500 | 1,918 |
Average total loans | $128,911,250 | 2,895 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7692% | 6,359 |
Cost of funding earning assets | 0.2395% | 5,589 |
Net interest margin | 2.5297% | 6,238 |
Noninterest income to average assets | 0.5733% | 2,974 |
Noninterest expense to average assets | 2.2674% | 5,237 |
Loan and lease loss provision to assets | 0.0700% | 2,873 |
Net operating income to assets | 0.5555% | 4,567 |
Return on assets (ROA) | 0.5561% | 4,673 |
Pretax return on assets | 0.5561% | 5,108 |
Return on Equity (ROE) | 5.6462% | 4,360 |
Retained earnings to average equity (ytd only) | -2.5362% | 6,052 |
Net charge-offs to loans | 0.0066% | 4,153 |
Credit loss provision to net charge-offs | 3,250.0000% | 110 |
Earnings coverage of net charge-offs (x) | 290.5000% | 234 |
Efficiency ratio | 77.5772% | 2,360 |
Assets per employee ($millions) | 3.5052% | 4,838 |
Cash dividends to net income (ytd only)* | 144.9177% | 234 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0836% | 1,216 |
Loan loss allowance to noncurrent loans | 1,212.9167% | 440 |
Noncurrent assets plus other real estate owned to assets | 0.0646% | 5,980 |
Noncurrent loans to loans | 0.1718% | 5,495 |
Net loans and leases to total assets | 36.8181% | 6,016 |
Net loans and leases to deposits | 41.0650% | 6,108 |
Net loans and leases to core deposits | 43.7005% | 6,075 |
Total domestic deposits to total assets | 89.6581% | 989 |
Equity capital to assets | 9.9425% | 4,187 |
Core capital (leverage) ratio | 9.6396% | 4,127 |
Tier 1 risk-based capital ratio | 20.6195% | 1,534 |
Total risk-based capital ratio | 21.8750% | 1,507 |
Memoranda: | ||
Average total assets | $371,533,330 | 1,766 |
Average earning assets | $340,673,670 | 1,764 |
Average equity | $36,590,670 | 1,919 |
Average total loans | $121,703,330 | 3,032 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6045% | 6,517 |
Cost of funding earning assets | 0.2381% | 5,690 |
Net interest margin | 2.3664% | 6,438 |
Noninterest income to average assets | 0.6363% | 2,539 |
Noninterest expense to average assets | 2.3223% | 5,139 |
Loan and lease loss provision to assets | 0.0754% | 2,635 |
Net operating income to assets | 0.4113% | 5,073 |
Return on assets (ROA) | 0.4113% | 5,139 |
Pretax return on assets | 0.4113% | 5,418 |
Return on Equity (ROE) | 4.1960% | 4,930 |
Retained earnings to average equity (ytd only) | -9.9628% | 6,360 |
Net charge-offs to loans | 0.0248% | 3,072 |
Credit loss provision to net charge-offs | 1,000.0000% | 304 |
Earnings coverage of net charge-offs (x) | 64.5714% | 624 |
Efficiency ratio | 81.8704% | 1,944 |
Assets per employee ($millions) | 3.4899% | 4,939 |
Cash dividends to net income (ytd only)* | 337.4346% | 94 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6136% | 703 |
Loan loss allowance to noncurrent loans | 865.6535% | 587 |
Noncurrent assets plus other real estate owned to assets | 0.1117% | 5,919 |
Noncurrent loans to loans | 0.3019% | 5,208 |
Net loans and leases to total assets | 28.4186% | 6,403 |
Net loans and leases to deposits | 31.6480% | 6,444 |
Net loans and leases to core deposits | 33.6641% | 6,419 |
Total domestic deposits to total assets | 89.7959% | 1,181 |
Equity capital to assets | 9.6554% | 4,288 |
Core capital (leverage) ratio | 9.3111% | 4,562 |
Tier 1 risk-based capital ratio | 24.0100% | 1,000 |
Total risk-based capital ratio | 25.2689% | 981 |
Memoranda: | ||
Average total assets | $371,526,000 | 1,772 |
Average earning assets | $341,103,000 | 1,764 |
Average equity | $36,415,500 | 1,918 |
Average total loans | $112,701,000 | 3,210 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0313% | 6,312 |
Cost of funding earning assets | 0.2520% | 5,948 |
Net interest margin | 2.7793% | 6,014 |
Noninterest income to average assets | 0.6421% | 2,850 |
Noninterest expense to average assets | 2.3812% | 5,126 |
Loan and lease loss provision to assets | 0.0841% | 3,432 |
Net operating income to assets | 0.7285% | 3,664 |
Return on assets (ROA) | 0.7487% | 3,651 |
Pretax return on assets | 0.7487% | 4,347 |
Return on Equity (ROE) | 7.2623% | 3,428 |
Retained earnings to average equity (ytd only) | 2.3310% | 4,590 |
Net charge-offs to loans | 0.0138% | 5,178 |
Credit loss provision to net charge-offs | 1,764.7059% | 140 |
Earnings coverage of net charge-offs (x) | 170.4706% | 275 |
Efficiency ratio | 73.8104% | 3,158 |
Assets per employee ($millions) | 3.4871% | 4,921 |
Cash dividends to net income (ytd only)* | 67.9026% | 1,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3919% | 941 |
Loan loss allowance to noncurrent loans | 596.3597% | 824 |
Noncurrent assets plus other real estate owned to assets | 0.1531% | 5,860 |
Noncurrent loans to loans | 0.4011% | 5,005 |
Net loans and leases to total assets | 30.7463% | 6,433 |
Net loans and leases to deposits | 34.3076% | 6,480 |
Net loans and leases to core deposits | 36.4629% | 6,456 |
Total domestic deposits to total assets | 89.6195% | 1,261 |
Equity capital to assets | 9.9493% | 3,838 |
Core capital (leverage) ratio | 9.8002% | 3,840 |
Tier 1 risk-based capital ratio | 24.0835% | 942 |
Total risk-based capital ratio | 25.3413% | 933 |
Memoranda: | ||
Average total assets | $356,633,800 | 1,821 |
Average earning assets | $327,421,600 | 1,816 |
Average equity | $36,765,400 | 1,882 |
Average total loans | $123,621,400 | 2,967 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0823% | 6,337 |
Cost of funding earning assets | 0.2561% | 6,045 |
Net interest margin | 2.8262% | 5,968 |
Noninterest income to average assets | 0.6440% | 2,907 |
Noninterest expense to average assets | 2.4219% | 4,953 |
Loan and lease loss provision to assets | 0.0849% | 3,363 |
Net operating income to assets | 0.7353% | 3,672 |
Return on assets (ROA) | 0.7353% | 3,803 |
Pretax return on assets | 0.7353% | 4,553 |
Return on Equity (ROE) | 7.0686% | 3,606 |
Retained earnings to average equity (ytd only) | 0.4932% | 5,767 |
Net charge-offs to loans | 0.0085% | 4,987 |
Credit loss provision to net charge-offs | 2,812.5000% | 117 |
Earnings coverage of net charge-offs (x) | 271.6579% | 219 |
Efficiency ratio | 73.9555% | 3,079 |
Assets per employee ($millions) | 3.2088% | 5,479 |
Cash dividends to net income (ytd only)* | 93.0220% | 515 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8995% | 2,005 |
Loan loss allowance to noncurrent loans | 1,091.9679% | 436 |
Noncurrent assets plus other real estate owned to assets | 0.1000% | 6,136 |
Noncurrent loans to loans | 0.1740% | 5,806 |
Net loans and leases to total assets | 39.4249% | 6,075 |
Net loans and leases to deposits | 44.1249% | 6,198 |
Net loans and leases to core deposits | 46.9800% | 6,171 |
Total domestic deposits to total assets | 89.3484% | 1,387 |
Equity capital to assets | 10.1976% | 3,650 |
Core capital (leverage) ratio | 10.2009% | 3,399 |
Tier 1 risk-based capital ratio | 20.2388% | 1,673 |
Total risk-based capital ratio | 21.4927% | 1,651 |
Memoranda: | ||
Average total assets | $353,383,500 | 1,844 |
Average earning assets | $324,861,500 | 1,838 |
Average equity | $36,762,750 | 1,893 |
Average total loans | $125,418,250 | 2,953 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9437% | 6,497 |
Cost of funding earning assets | 0.2601% | 6,104 |
Net interest margin | 2.6836% | 6,203 |
Noninterest income to average assets | 0.6656% | 2,820 |
Noninterest expense to average assets | 2.4219% | 4,991 |
Loan and lease loss provision to assets | 0.0851% | 3,378 |
Net operating income to assets | 0.6412% | 4,101 |
Return on assets (ROA) | 0.6412% | 4,246 |
Pretax return on assets | 0.6412% | 4,873 |
Return on Equity (ROE) | 6.1230% | 4,094 |
Retained earnings to average equity (ytd only) | -2.0428% | 6,195 |
Net charge-offs to loans | 0.0167% | 4,506 |
Credit loss provision to net charge-offs | 1,500.0000% | 208 |
Earnings coverage of net charge-offs (x) | 128.0000% | 378 |
Efficiency ratio | 76.1536% | 2,761 |
Assets per employee ($millions) | 3.1183% | 5,643 |
Cash dividends to net income (ytd only)* | 133.3628% | 266 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9803% | 1,895 |
Loan loss allowance to noncurrent loans | 1,354.8718% | 363 |
Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,239 |
Noncurrent loans to loans | 0.1462% | 5,958 |
Net loans and leases to total assets | 37.4437% | 6,211 |
Net loans and leases to deposits | 41.9348% | 6,332 |
Net loans and leases to core deposits | 43.6172% | 6,350 |
Total domestic deposits to total assets | 89.2903% | 1,454 |
Equity capital to assets | 10.2484% | 3,595 |
Core capital (leverage) ratio | 9.9236% | 3,628 |
Tier 1 risk-based capital ratio | 20.4882% | 1,610 |
Total risk-based capital ratio | 21.7423% | 1,582 |
Memoranda: | ||
Average total assets | $352,453,670 | 1,847 |
Average earning assets | $326,055,000 | 1,836 |
Average equity | $36,910,000 | 1,891 |
Average total loans | $119,511,000 | 3,081 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8305% | 6,661 |
Cost of funding earning assets | 0.2629% | 6,204 |
Net interest margin | 2.5676% | 6,417 |
Noninterest income to average assets | 0.7208% | 2,481 |
Noninterest expense to average assets | 2.4120% | 5,086 |
Loan and lease loss provision to assets | 0.0847% | 3,242 |
Net operating income to assets | 0.5965% | 4,234 |
Return on assets (ROA) | 0.5965% | 4,381 |
Pretax return on assets | 0.5965% | 4,959 |
Return on Equity (ROE) | 5.6367% | 4,234 |
Retained earnings to average equity (ytd only) | -8.6578% | 6,561 |
Net charge-offs to loans | 0.0569% | 3,260 |
Credit loss provision to net charge-offs | 468.7500% | 562 |
Earnings coverage of net charge-offs (x) | 37.6875% | 831 |
Efficiency ratio | 77.2096% | 2,727 |
Assets per employee ($millions) | 3.3426% | 5,350 |
Cash dividends to net income (ytd only)* | 253.5985% | 130 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3402% | 1,347 |
Loan loss allowance to noncurrent loans | 245.0718% | 1,592 |
Noncurrent assets plus other real estate owned to assets | 0.3227% | 5,615 |
Noncurrent loans to loans | 0.9549% | 4,229 |
Net loans and leases to total assets | 29.8810% | 6,611 |
Net loans and leases to deposits | 33.5428% | 6,654 |
Net loans and leases to core deposits | 34.8015% | 6,654 |
Total domestic deposits to total assets | 89.0833% | 1,637 |
Equity capital to assets | 10.3198% | 3,775 |
Core capital (leverage) ratio | 9.5975% | 3,935 |
Tier 1 risk-based capital ratio | 22.7655% | 1,194 |
Total risk-based capital ratio | 24.0215% | 1,173 |
Memoranda: | ||
Average total assets | $354,058,500 | 1,870 |
Average earning assets | $327,147,500 | 1,849 |
Average equity | $37,469,000 | 1,891 |
Average total loans | $112,560,500 | 3,240 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2440% | 6,637 |
Cost of funding earning assets | 0.3346% | 6,295 |
Net interest margin | 2.9093% | 6,209 |
Noninterest income to average assets | 0.6569% | 2,956 |
Noninterest expense to average assets | 2.3649% | 5,515 |
Loan and lease loss provision to assets | 0.0859% | 4,626 |
Net operating income to assets | 0.9010% | 2,815 |
Return on assets (ROA) | 0.9021% | 3,046 |
Pretax return on assets | 0.9021% | 3,910 |
Return on Equity (ROE) | 8.1118% | 3,039 |
Retained earnings to average equity (ytd only) | -2.7254% | 6,242 |
Net charge-offs to loans | 0.1135% | 4,540 |
Credit loss provision to net charge-offs | 218.9781% | 1,151 |
Earnings coverage of net charge-offs (x) | 25.1460% | 1,147 |
Efficiency ratio | 69.8291% | 3,853 |
Assets per employee ($millions) | 3.1573% | 5,721 |
Cash dividends to net income (ytd only)* | 133.5980% | 264 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1627% | 1,625 |
Loan loss allowance to noncurrent loans | 781.8750% | 557 |
Noncurrent assets plus other real estate owned to assets | 0.1196% | 6,268 |
Noncurrent loans to loans | 0.2766% | 5,790 |
Net loans and leases to total assets | 32.2966% | 6,614 |
Net loans and leases to deposits | 36.4068% | 6,670 |
Net loans and leases to core deposits | 37.8034% | 6,683 |
Total domestic deposits to total assets | 88.7104% | 1,761 |
Equity capital to assets | 10.8510% | 3,119 |
Core capital (leverage) ratio | 10.1852% | 3,159 |
Tier 1 risk-based capital ratio | 23.9228% | 980 |
Total risk-based capital ratio | 25.1785% | 962 |
Memoranda: | ||
Average total assets | $349,062,200 | 1,856 |
Average earning assets | $323,337,400 | 1,841 |
Average equity | $38,819,800 | 1,788 |
Average total loans | $120,741,400 | 3,053 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2836% | 6,741 |
Cost of funding earning assets | 0.3478% | 6,386 |
Net interest margin | 2.9358% | 6,299 |
Noninterest income to average assets | 0.6599% | 2,934 |
Noninterest expense to average assets | 2.3698% | 5,487 |
Loan and lease loss provision to assets | 0.0860% | 4,529 |
Net operating income to assets | 0.9280% | 2,839 |
Return on assets (ROA) | 0.9295% | 3,061 |
Pretax return on assets | 0.9295% | 3,994 |
Return on Equity (ROE) | 8.3071% | 3,132 |
Retained earnings to average equity (ytd only) | 1.6197% | 5,525 |
Net charge-offs to loans | 0.1650% | 3,801 |
Credit loss provision to net charge-offs | 149.0066% | 1,895 |
Earnings coverage of net charge-offs (x) | 17.5628% | 1,617 |
Efficiency ratio | 69.3107% | 3,810 |
Assets per employee ($millions) | 3.1343% | 5,771 |
Cash dividends to net income (ytd only)* | 80.5020% | 639 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7158% | 3,096 |
Loan loss allowance to noncurrent loans | 880.6569% | 485 |
Noncurrent assets plus other real estate owned to assets | 0.1291% | 6,391 |
Noncurrent loans to loans | 0.1948% | 6,122 |
Net loans and leases to total assets | 40.8333% | 6,216 |
Net loans and leases to deposits | 46.5488% | 6,348 |
Net loans and leases to core deposits | 48.4694% | 6,386 |
Total domestic deposits to total assets | 87.7214% | 2,211 |
Equity capital to assets | 11.8044% | 2,427 |
Core capital (leverage) ratio | 10.8012% | 2,599 |
Tier 1 risk-based capital ratio | 21.9197% | 1,344 |
Total risk-based capital ratio | 23.1724% | 1,321 |
Memoranda: | ||
Average total assets | $348,714,000 | 1,877 |
Average earning assets | $323,542,000 | 1,854 |
Average equity | $39,017,750 | 1,797 |
Average total loans | $122,005,000 | 3,077 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0892% | 6,936 |
Cost of funding earning assets | 0.3557% | 6,484 |
Net interest margin | 2.7335% | 6,670 |
Noninterest income to average assets | 0.6742% | 2,809 |
Noninterest expense to average assets | 2.3322% | 5,656 |
Loan and lease loss provision to assets | 0.0852% | 4,524 |
Net operating income to assets | 0.7969% | 3,407 |
Return on assets (ROA) | 0.7986% | 3,652 |
Pretax return on assets | 0.7986% | 4,479 |
Return on Equity (ROE) | 7.2654% | 3,635 |
Retained earnings to average equity (ytd only) | -1.5399% | 6,296 |
Net charge-offs to loans | 0.0691% | 4,459 |
Credit loss provision to net charge-offs | 375.0000% | 792 |
Earnings coverage of net charge-offs (x) | 38.8250% | 894 |
Efficiency ratio | 71.7971% | 3,463 |
Assets per employee ($millions) | 2.9781% | 6,109 |
Cash dividends to net income (ytd only)* | 121.1949% | 263 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8162% | 2,797 |
Loan loss allowance to noncurrent loans | 418.6325% | 867 |
Noncurrent assets plus other real estate owned to assets | 0.1886% | 6,319 |
Noncurrent loans to loans | 0.4338% | 5,665 |
Net loans and leases to total assets | 38.6571% | 6,428 |
Net loans and leases to deposits | 43.8108% | 6,566 |
Net loans and leases to core deposits | 45.4257% | 6,598 |
Total domestic deposits to total assets | 88.2363% | 1,999 |
Equity capital to assets | 11.3126% | 2,775 |
Core capital (leverage) ratio | 10.2270% | 3,110 |
Tier 1 risk-based capital ratio | 21.8079% | 1,331 |
Total risk-based capital ratio | 23.0611% | 1,306 |
Memoranda: | ||
Average total assets | $352,116,000 | 1,864 |
Average earning assets | $327,204,000 | 1,833 |
Average equity | $38,704,000 | 1,798 |
Average total loans | $115,794,330 | 3,223 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9287% | 7,072 |
Cost of funding earning assets | 0.3625% | 6,587 |
Net interest margin | 2.5662% | 6,898 |
Noninterest income to average assets | 0.7284% | 2,506 |
Noninterest expense to average assets | 2.2806% | 5,819 |
Loan and lease loss provision to assets | 0.0840% | 4,331 |
Net operating income to assets | 0.7520% | 3,615 |
Return on assets (ROA) | 0.7553% | 3,836 |
Pretax return on assets | 0.7553% | 4,586 |
Return on Equity (ROE) | 6.9693% | 3,798 |
Retained earnings to average equity (ytd only) | -8.6961% | 6,799 |
Net charge-offs to loans | 0.0678% | 3,808 |
Credit loss provision to net charge-offs | 416.6667% | 757 |
Earnings coverage of net charge-offs (x) | 41.4444% | 727 |
Efficiency ratio | 72.4200% | 3,360 |
Assets per employee ($millions) | 3.2922% | 5,583 |
Cash dividends to net income (ytd only)* | 224.7774% | 130 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3653% | 1,563 |
Loan loss allowance to noncurrent loans | 328.2192% | 1,010 |
Noncurrent assets plus other real estate owned to assets | 0.2204% | 6,336 |
Noncurrent loans to loans | 0.7207% | 5,218 |
Net loans and leases to total assets | 27.5600% | 6,987 |
Net loans and leases to deposits | 31.0500% | 7,029 |
Net loans and leases to core deposits | 32.2234% | 7,035 |
Total domestic deposits to total assets | 88.7603% | 1,844 |
Equity capital to assets | 10.6539% | 3,318 |
Core capital (leverage) ratio | 9.7784% | 3,673 |
Tier 1 risk-based capital ratio | 25.7795% | 825 |
Total risk-based capital ratio | 27.0356% | 805 |
Memoranda: | ||
Average total assets | $356,931,000 | 1,851 |
Average earning assets | $332,164,000 | 1,818 |
Average equity | $38,684,000 | 1,798 |
Average total loans | $106,269,500 | 3,449 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5644% | 6,955 |
Cost of funding earning assets | 0.5238% | 6,442 |
Net interest margin | 3.0406% | 6,464 |
Noninterest income to average assets | 0.7379% | 2,401 |
Noninterest expense to average assets | 2.5036% | 5,454 |
Loan and lease loss provision to assets | 0.0886% | 5,481 |
Net operating income to assets | 0.9516% | 2,403 |
Return on assets (ROA) | 0.9540% | 2,522 |
Pretax return on assets | 0.9540% | 3,415 |
Return on Equity (ROE) | 8.7069% | 2,590 |
Retained earnings to average equity (ytd only) | 4.4249% | 3,022 |
Net charge-offs to loans | 0.1359% | 5,054 |
Credit loss provision to net charge-offs | 180.7229% | 1,436 |
Earnings coverage of net charge-offs (x) | 21.2229% | 1,102 |
Efficiency ratio | 69.9383% | 3,972 |
Assets per employee ($millions) | 3.3178% | 5,459 |
Cash dividends to net income (ytd only)* | 49.1798% | 2,091 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1026% | 2,002 |
Loan loss allowance to noncurrent loans | 267.9267% | 1,232 |
Noncurrent assets plus other real estate owned to assets | 0.2718% | 6,283 |
Noncurrent loans to loans | 0.7848% | 5,115 |
Net loans and leases to total assets | 30.6764% | 6,988 |
Net loans and leases to deposits | 34.6480% | 7,031 |
Net loans and leases to core deposits | 36.3177% | 7,030 |
Total domestic deposits to total assets | 88.5372% | 1,830 |
Equity capital to assets | 11.0239% | 2,958 |
Core capital (leverage) ratio | 10.5288% | 2,689 |
Tier 1 risk-based capital ratio | 25.6005% | 809 |
Total risk-based capital ratio | 26.8558% | 789 |
Memoranda: | ||
Average total assets | $338,676,800 | 1,908 |
Average earning assets | $312,534,800 | 1,886 |
Average equity | $37,108,600 | 1,819 |
Average total loans | $122,148,000 | 3,134 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6266% | 6,997 |
Cost of funding earning assets | 0.5642% | 6,452 |
Net interest margin | 3.0624% | 6,466 |
Noninterest income to average assets | 0.7555% | 2,284 |
Noninterest expense to average assets | 2.5499% | 5,280 |
Loan and lease loss provision to assets | 0.0897% | 5,338 |
Net operating income to assets | 0.9364% | 2,584 |
Return on assets (ROA) | 0.9372% | 2,746 |
Pretax return on assets | 0.9372% | 3,631 |
Return on Equity (ROE) | 8.5677% | 2,793 |
Retained earnings to average equity (ytd only) | 2.7794% | 4,696 |
Net charge-offs to loans | 0.1484% | 4,582 |
Credit loss provision to net charge-offs | 161.8705% | 1,899 |
Earnings coverage of net charge-offs (x) | 18.5251% | 1,302 |
Efficiency ratio | 70.5928% | 3,835 |
Assets per employee ($millions) | 3.1806% | 5,723 |
Cash dividends to net income (ytd only)* | 67.5594% | 954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5529% | 3,875 |
Loan loss allowance to noncurrent loans | 245.2891% | 1,270 |
Noncurrent assets plus other real estate owned to assets | 0.2896% | 6,333 |
Noncurrent loans to loans | 0.6331% | 5,623 |
Net loans and leases to total assets | 43.4916% | 6,384 |
Net loans and leases to deposits | 49.4897% | 6,528 |
Net loans and leases to core deposits | 52.0564% | 6,563 |
Total domestic deposits to total assets | 87.8799% | 2,108 |
Equity capital to assets | 11.4757% | 2,704 |
Core capital (leverage) ratio | 10.5993% | 2,763 |
Tier 1 risk-based capital ratio | 20.0317% | 1,676 |
Total risk-based capital ratio | 21.2825% | 1,647 |
Memoranda: | ||
Average total assets | $334,593,750 | 1,942 |
Average earning assets | $308,157,750 | 1,917 |
Average equity | $36,601,750 | 1,839 |
Average total loans | $124,874,250 | 3,106 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4492% | 7,186 |
Cost of funding earning assets | 0.5979% | 6,473 |
Net interest margin | 2.8513% | 6,859 |
Noninterest income to average assets | 0.7389% | 2,330 |
Noninterest expense to average assets | 2.5663% | 5,303 |
Loan and lease loss provision to assets | 0.0896% | 5,197 |
Net operating income to assets | 0.7067% | 3,508 |
Return on assets (ROA) | 0.7073% | 3,617 |
Pretax return on assets | 0.7073% | 4,358 |
Return on Equity (ROE) | 6.5727% | 3,663 |
Retained earnings to average equity (ytd only) | -0.8216% | 6,021 |
Net charge-offs to loans | 0.1892% | 4,024 |
Credit loss provision to net charge-offs | 135.1351% | 2,254 |
Earnings coverage of net charge-offs (x) | 12.0090% | 1,657 |
Efficiency ratio | 75.5552% | 3,097 |
Assets per employee ($millions) | 3.0528% | 5,971 |
Cash dividends to net income (ytd only)* | 112.5000% | 337 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7251% | 3,245 |
Loan loss allowance to noncurrent loans | 274.6634% | 1,140 |
Noncurrent assets plus other real estate owned to assets | 0.2508% | 6,505 |
Noncurrent loans to loans | 0.6281% | 5,665 |
Net loans and leases to total assets | 37.7263% | 6,877 |
Net loans and leases to deposits | 42.6958% | 6,967 |
Net loans and leases to core deposits | 46.1794% | 6,927 |
Total domestic deposits to total assets | 88.3608% | 1,938 |
Equity capital to assets | 10.9336% | 3,026 |
Core capital (leverage) ratio | 10.2207% | 3,008 |
Tier 1 risk-based capital ratio | 21.1234% | 1,399 |
Total risk-based capital ratio | 22.3749% | 1,378 |
Memoranda: | ||
Average total assets | $334,805,330 | 1,946 |
Average earning assets | $308,067,000 | 1,925 |
Average equity | $36,027,670 | 1,858 |
Average total loans | $117,320,670 | 3,280 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3357% | 7,298 |
Cost of funding earning assets | 0.6368% | 6,441 |
Net interest margin | 2.6989% | 7,020 |
Noninterest income to average assets | 0.8174% | 1,961 |
Noninterest expense to average assets | 2.5891% | 5,269 |
Loan and lease loss provision to assets | 0.0901% | 4,887 |
Net operating income to assets | 0.6190% | 3,931 |
Return on assets (ROA) | 0.6190% | 4,000 |
Pretax return on assets | 0.6190% | 4,608 |
Return on Equity (ROE) | 5.8000% | 4,018 |
Retained earnings to average equity (ytd only) | -6.9488% | 6,675 |
Net charge-offs to loans | 0.3786% | 2,553 |
Credit loss provision to net charge-offs | 71.4286% | 3,327 |
Earnings coverage of net charge-offs (x) | 5.6190% | 2,242 |
Efficiency ratio | 77.7332% | 2,882 |
Assets per employee ($millions) | 3.2071% | 5,693 |
Cash dividends to net income (ytd only)* | 219.8058% | 170 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9596% | 2,519 |
Loan loss allowance to noncurrent loans | 219.9191% | 1,371 |
Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,441 |
Noncurrent loans to loans | 0.8911% | 5,264 |
Net loans and leases to total assets | 32.0088% | 7,167 |
Net loans and leases to deposits | 36.0058% | 7,227 |
Net loans and leases to core deposits | 38.9527% | 7,194 |
Total domestic deposits to total assets | 88.8989% | 1,838 |
Equity capital to assets | 10.3828% | 3,305 |
Core capital (leverage) ratio | 9.9922% | 3,148 |
Tier 1 risk-based capital ratio | 22.6401% | 1,128 |
Total risk-based capital ratio | 23.8924% | 1,108 |
Memoranda: | ||
Average total assets | $332,780,000 | 1,972 |
Average earning assets | $305,898,500 | 1,948 |
Average equity | $35,517,000 | 1,873 |
Average total loans | $110,940,000 | 3,465 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8182% | 7,244 |
Cost of funding earning assets | 0.8370% | 6,412 |
Net interest margin | 2.9812% | 6,766 |
Noninterest income to average assets | 0.7931% | 2,320 |
Noninterest expense to average assets | 2.6090% | 5,380 |
Loan and lease loss provision to assets | 0.0942% | 6,201 |
Net operating income to assets | 0.8264% | 2,684 |
Return on assets (ROA) | 0.8286% | 2,817 |
Pretax return on assets | 0.8286% | 3,534 |
Return on Equity (ROE) | 7.4508% | 2,916 |
Retained earnings to average equity (ytd only) | 3.3639% | 3,512 |
Net charge-offs to loans | 0.1167% | 5,713 |
Credit loss provision to net charge-offs | 218.9781% | 1,372 |
Earnings coverage of net charge-offs (x) | 21.3942% | 969 |
Efficiency ratio | 73.1601% | 3,567 |
Assets per employee ($millions) | 3.1308% | 5,820 |
Cash dividends to net income (ytd only)* | 54.8522% | 1,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9885% | 2,336 |
Loan loss allowance to noncurrent loans | 309.2567% | 1,002 |
Noncurrent assets plus other real estate owned to assets | 0.2325% | 6,653 |
Noncurrent loans to loans | 0.6430% | 5,766 |
Net loans and leases to total assets | 33.3793% | 7,248 |
Net loans and leases to deposits | 37.7517% | 7,306 |
Net loans and leases to core deposits | 41.5770% | 7,270 |
Total domestic deposits to total assets | 88.4181% | 2,005 |
Equity capital to assets | 10.9756% | 2,708 |
Core capital (leverage) ratio | 10.4371% | 2,622 |
Tier 1 risk-based capital ratio | 24.7542% | 867 |
Total risk-based capital ratio | 26.0084% | 850 |
Memoranda: | ||
Average total assets | $318,357,600 | 2,044 |
Average earning assets | $292,232,000 | 2,031 |
Average equity | $35,405,600 | 1,870 |
Average total loans | $117,432,800 | 3,373 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8339% | 7,382 |
Cost of funding earning assets | 0.8619% | 6,539 |
Net interest margin | 2.9720% | 6,890 |
Noninterest income to average assets | 0.7927% | 2,273 |
Noninterest expense to average assets | 2.6199% | 5,245 |
Loan and lease loss provision to assets | 0.0948% | 6,074 |
Net operating income to assets | 0.8070% | 2,970 |
Return on assets (ROA) | 0.8087% | 3,110 |
Pretax return on assets | 0.8087% | 3,871 |
Return on Equity (ROE) | 7.2473% | 3,229 |
Retained earnings to average equity (ytd only) | 1.7854% | 5,079 |
Net charge-offs to loans | 0.1400% | 5,182 |
Credit loss provision to net charge-offs | 180.0000% | 2,032 |
Earnings coverage of net charge-offs (x) | 17.1283% | 1,342 |
Efficiency ratio | 73.6276% | 3,393 |
Assets per employee ($millions) | 3.1536% | 5,794 |
Cash dividends to net income (ytd only)* | 75.3647% | 768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5204% | 3,868 |
Loan loss allowance to noncurrent loans | 444.3983% | 677 |
Noncurrent assets plus other real estate owned to assets | 0.1592% | 6,955 |
Noncurrent loans to loans | 0.3421% | 6,512 |
Net loans and leases to total assets | 42.3034% | 6,958 |
Net loans and leases to deposits | 47.8784% | 7,090 |
Net loans and leases to core deposits | 53.0600% | 7,007 |
Total domestic deposits to total assets | 88.3559% | 1,760 |
Equity capital to assets | 11.0672% | 2,893 |
Core capital (leverage) ratio | 10.6516% | 2,548 |
Tier 1 risk-based capital ratio | 20.1114% | 1,525 |
Total risk-based capital ratio | 21.3616% | 1,490 |
Memoranda: | ||
Average total assets | $316,546,250 | 2,085 |
Average earning assets | $290,663,000 | 2,073 |
Average equity | $35,322,750 | 1,895 |
Average total loans | $119,068,750 | 3,386 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6667% | 7,546 |
Cost of funding earning assets | 0.8809% | 6,654 |
Net interest margin | 2.7857% | 7,161 |
Noninterest income to average assets | 0.8141% | 2,046 |
Noninterest expense to average assets | 2.6521% | 5,118 |
Loan and lease loss provision to assets | 0.0959% | 5,953 |
Net operating income to assets | 0.6223% | 3,772 |
Return on assets (ROA) | 0.6248% | 3,896 |
Pretax return on assets | 0.6248% | 4,488 |
Return on Equity (ROE) | 5.5832% | 4,006 |
Retained earnings to average equity (ytd only) | -1.1486% | 6,005 |
Net charge-offs to loans | 0.1592% | 4,669 |
Credit loss provision to net charge-offs | 168.5393% | 2,329 |
Earnings coverage of net charge-offs (x) | 12.6180% | 1,664 |
Efficiency ratio | 77.8748% | 2,747 |
Assets per employee ($millions) | 2.8428% | 6,472 |
Cash dividends to net income (ytd only)* | 120.5732% | 287 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6460% | 3,266 |
Loan loss allowance to noncurrent loans | 169.0514% | 1,670 |
Noncurrent assets plus other real estate owned to assets | 0.4080% | 6,425 |
Noncurrent loans to loans | 0.9737% | 5,361 |
Net loans and leases to total assets | 40.1848% | 7,153 |
Net loans and leases to deposits | 45.5744% | 7,267 |
Net loans and leases to core deposits | 49.7608% | 7,222 |
Total domestic deposits to total assets | 88.1740% | 1,905 |
Equity capital to assets | 11.3173% | 2,582 |
Core capital (leverage) ratio | 10.5268% | 2,607 |
Tier 1 risk-based capital ratio | 21.2274% | 1,307 |
Total risk-based capital ratio | 22.4790% | 1,277 |
Memoranda: | ||
Average total assets | $312,735,670 | 2,134 |
Average earning assets | $286,963,330 | 2,105 |
Average equity | $34,997,670 | 1,910 |
Average total loans | $111,795,670 | 3,589 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5346% | 7,698 |
Cost of funding earning assets | 0.8997% | 6,772 |
Net interest margin | 2.6350% | 7,357 |
Noninterest income to average assets | 0.8671% | 1,748 |
Noninterest expense to average assets | 2.6667% | 5,077 |
Loan and lease loss provision to assets | 0.0959% | 5,673 |
Net operating income to assets | 0.5244% | 4,264 |
Return on assets (ROA) | 0.5269% | 4,392 |
Pretax return on assets | 0.5269% | 4,868 |
Return on Equity (ROE) | 4.7354% | 4,512 |
Retained earnings to average equity (ytd only) | 0.0920% | 5,787 |
Net charge-offs to loans | 0.2273% | 3,558 |
Credit loss provision to net charge-offs | 127.1186% | 2,773 |
Earnings coverage of net charge-offs (x) | 8.2203% | 1,980 |
Efficiency ratio | 80.3113% | 2,516 |
Assets per employee ($millions) | 3.0324% | 6,140 |
Cash dividends to net income (ytd only)* | 98.0583% | 606 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0523% | 2,054 |
Loan loss allowance to noncurrent loans | 405.1181% | 781 |
Noncurrent assets plus other real estate owned to assets | 0.1776% | 7,031 |
Noncurrent loans to loans | 0.5066% | 6,279 |
Net loans and leases to total assets | 31.1438% | 7,591 |
Net loans and leases to deposits | 35.2165% | 7,639 |
Net loans and leases to core deposits | 37.9194% | 7,623 |
Total domestic deposits to total assets | 88.4355% | 1,834 |
Equity capital to assets | 11.0163% | 2,742 |
Core capital (leverage) ratio | 10.4299% | 2,694 |
Tier 1 risk-based capital ratio | 25.2935% | 834 |
Total risk-based capital ratio | 26.5474% | 811 |
Memoranda: | ||
Average total assets | $312,749,500 | 2,177 |
Average earning assets | $287,214,500 | 2,162 |
Average equity | $34,801,500 | 1,933 |
Average total loans | $103,811,500 | 3,827 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3085% | 7,553 |
Cost of funding earning assets | 1.1270% | 6,894 |
Net interest margin | 3.1814% | 6,155 |
Noninterest income to average assets | 0.8881% | 1,993 |
Noninterest expense to average assets | 2.9164% | 4,478 |
Loan and lease loss provision to assets | 0.1049% | 6,587 |
Net operating income to assets | 0.7444% | 2,750 |
Return on assets (ROA) | 0.7550% | 2,791 |
Pretax return on assets | 0.7686% | 3,351 |
Return on Equity (ROE) | 6.2241% | 3,115 |
Retained earnings to average equity (ytd only) | 1.7087% | 3,884 |
Net charge-offs to loans | 0.2023% | 5,372 |
Credit loss provision to net charge-offs | 129.8701% | 3,938 |
Earnings coverage of net charge-offs (x) | 10.6840% | 1,655 |
Efficiency ratio | 76.3873% | 3,459 |
Assets per employee ($millions) | 2.8984% | 6,458 |
Cash dividends to net income (ytd only)* | 72.5463% | 1,463 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9022% | 2,258 |
Loan loss allowance to noncurrent loans | 386.0113% | 861 |
Noncurrent assets plus other real estate owned to assets | 0.2434% | 6,853 |
Noncurrent loans to loans | 0.4928% | 6,269 |
Net loans and leases to total assets | 33.9551% | 7,592 |
Net loans and leases to deposits | 38.4835% | 7,663 |
Net loans and leases to core deposits | 47.9566% | 7,632 |
Total domestic deposits to total assets | 88.2330% | 1,871 |
Equity capital to assets | 11.2408% | 2,503 |
Core capital (leverage) ratio | 11.1706% | 2,130 |
Tier 1 risk-based capital ratio | 24.2022% | 930 |
Total risk-based capital ratio | 25.4553% | 905 |
Memoranda: | ||
Average total assets | $286,101,600 | 2,304 |
Average earning assets | $259,976,400 | 2,329 |
Average equity | $34,704,000 | 1,936 |
Average total loans | $114,166,400 | 3,606 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4479% | 7,564 |
Cost of funding earning assets | 1.1615% | 6,998 |
Net interest margin | 3.2864% | 5,696 |
Noninterest income to average assets | 0.9106% | 1,933 |
Noninterest expense to average assets | 3.0132% | 3,991 |
Loan and lease loss provision to assets | 0.1071% | 6,305 |
Net operating income to assets | 0.7562% | 3,001 |
Return on assets (ROA) | 0.7707% | 2,995 |
Pretax return on assets | 0.7845% | 3,588 |
Return on Equity (ROE) | 6.2271% | 3,429 |
Retained earnings to average equity (ytd only) | 0.2000% | 5,113 |
Net charge-offs to loans | 0.1991% | 4,819 |
Credit loss provision to net charge-offs | 130.0578% | 3,852 |
Earnings coverage of net charge-offs (x) | 10.6474% | 1,939 |
Efficiency ratio | 76.6765% | 3,385 |
Assets per employee ($millions) | 2.5996% | 7,050 |
Cash dividends to net income (ytd only)* | 96.7882% | 622 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4836% | 3,528 |
Loan loss allowance to noncurrent loans | 474.2389% | 665 |
Noncurrent assets plus other real estate owned to assets | 0.3914% | 6,482 |
Noncurrent loans to loans | 0.3128% | 6,733 |
Net loans and leases to total assets | 47.8943% | 6,965 |
Net loans and leases to deposits | 55.0264% | 7,144 |
Net loans and leases to core deposits | 68.8397% | 7,026 |
Total domestic deposits to total assets | 87.0388% | 2,166 |
Equity capital to assets | 12.3330% | 2,048 |
Core capital (leverage) ratio | 11.4570% | 2,095 |
Tier 1 risk-based capital ratio | 19.9440% | 1,571 |
Total risk-based capital ratio | 21.1932% | 1,521 |
Memoranda: | ||
Average total assets | $280,094,500 | 2,361 |
Average earning assets | $253,928,500 | 2,393 |
Average equity | $34,664,750 | 1,958 |
Average total loans | $115,871,250 | 3,597 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4025% | 7,707 |
Cost of funding earning assets | 1.1480% | 7,250 |
Net interest margin | 3.2546% | 5,719 |
Noninterest income to average assets | 0.9068% | 1,959 |
Noninterest expense to average assets | 2.9899% | 4,125 |
Loan and lease loss provision to assets | 0.1072% | 6,083 |
Net operating income to assets | 0.7436% | 3,077 |
Return on assets (ROA) | 0.7653% | 3,098 |
Pretax return on assets | 0.7796% | 3,744 |
Return on Equity (ROE) | 6.1769% | 3,567 |
Retained earnings to average equity (ytd only) | -1.5168% | 5,619 |
Net charge-offs to loans | 0.1211% | 4,951 |
Credit loss provision to net charge-offs | 227.2727% | 2,021 |
Earnings coverage of net charge-offs (x) | 18.3333% | 1,417 |
Efficiency ratio | 76.7890% | 3,541 |
Assets per employee ($millions) | 2.4841% | 7,286 |
Cash dividends to net income (ytd only)* | 124.5565% | 478 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7450% | 2,200 |
Loan loss allowance to noncurrent loans | 340.5629% | 925 |
Noncurrent assets plus other real estate owned to assets | 0.3418% | 6,598 |
Noncurrent loans to loans | 0.5124% | 6,246 |
Net loans and leases to total assets | 40.8996% | 7,510 |
Net loans and leases to deposits | 46.9463% | 7,601 |
Net loans and leases to core deposits | 58.8543% | 7,492 |
Total domestic deposits to total assets | 87.1200% | 2,184 |
Equity capital to assets | 12.0749% | 2,161 |
Core capital (leverage) ratio | 11.3481% | 2,170 |
Tier 1 risk-based capital ratio | 22.1256% | 1,233 |
Total risk-based capital ratio | 23.3781% | 1,205 |
Memoranda: | ||
Average total assets | $279,872,670 | 2,374 |
Average earning assets | $253,490,330 | 2,410 |
Average equity | $34,677,670 | 1,956 |
Average total loans | $108,997,330 | 3,787 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4410% | 7,767 |
Cost of funding earning assets | 1.1501% | 7,415 |
Net interest margin | 3.2909% | 5,525 |
Noninterest income to average assets | 0.9403% | 1,688 |
Noninterest expense to average assets | 2.9344% | 4,037 |
Loan and lease loss provision to assets | 0.1078% | 5,589 |
Net operating income to assets | 0.8514% | 2,906 |
Return on assets (ROA) | 0.8756% | 2,961 |
Pretax return on assets | 0.8885% | 3,756 |
Return on Equity (ROE) | 6.9761% | 3,603 |
Retained earnings to average equity (ytd only) | 1.2830% | 5,120 |
Net charge-offs to loans | 0.1416% | 3,828 |
Credit loss provision to net charge-offs | 202.7027% | 2,189 |
Earnings coverage of net charge-offs (x) | 18.2703% | 1,470 |
Efficiency ratio | 74.3467% | 3,763 |
Assets per employee ($millions) | 2.6072% | 7,079 |
Cash dividends to net income (ytd only)* | 81.6092% | 1,029 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0116% | 1,390 |
Loan loss allowance to noncurrent loans | 272.8630% | 1,235 |
Noncurrent assets plus other real estate owned to assets | 0.3691% | 6,402 |
Noncurrent loans to loans | 0.7372% | 5,591 |
Net loans and leases to total assets | 34.4701% | 7,790 |
Net loans and leases to deposits | 39.4939% | 7,856 |
Net loans and leases to core deposits | 47.5342% | 7,842 |
Total domestic deposits to total assets | 87.2795% | 2,078 |
Equity capital to assets | 12.2275% | 2,123 |
Core capital (leverage) ratio | 11.4658% | 2,168 |
Tier 1 risk-based capital ratio | 24.4053% | 1,029 |
Total risk-based capital ratio | 25.6585% | 1,009 |
Memoranda: | ||
Average total assets | $278,213,500 | 2,397 |
Average earning assets | $250,754,000 | 2,437 |
Average equity | $34,919,000 | 1,949 |
Average total loans | $104,555,500 | 3,917 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4989% | 7,307 |
Cost of funding earning assets | 1.5686% | 7,501 |
Net interest margin | 3.9303% | 3,446 |
Noninterest income to average assets | 0.8845% | 2,033 |
Noninterest expense to average assets | 2.9901% | 4,113 |
Loan and lease loss provision to assets | 0.1100% | 5,963 |
Net operating income to assets | 1.2641% | 1,586 |
Return on assets (ROA) | 1.3378% | 1,331 |
Pretax return on assets | 1.3521% | 2,121 |
Return on Equity (ROE) | 10.0785% | 2,231 |
Retained earnings to average equity (ytd only) | -5.9344% | 6,657 |
Net charge-offs to loans | 0.1672% | 4,528 |
Credit loss provision to net charge-offs | 157.8947% | 3,290 |
Earnings coverage of net charge-offs (x) | 19.9158% | 1,601 |
Efficiency ratio | 67.5909% | 4,801 |
Assets per employee ($millions) | 2.5208% | 7,172 |
Cash dividends to net income (ytd only)* | 158.8816% | 440 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8077% | 1,616 |
Loan loss allowance to noncurrent loans | 523.3422% | 835 |
Noncurrent assets plus other real estate owned to assets | 0.2487% | 6,585 |
Noncurrent loans to loans | 0.3454% | 6,339 |
Net loans and leases to total assets | 39.3650% | 7,700 |
Net loans and leases to deposits | 45.6277% | 7,796 |
Net loans and leases to core deposits | 54.1577% | 7,797 |
Total domestic deposits to total assets | 86.2742% | 2,274 |
Equity capital to assets | 12.8890% | 1,835 |
Core capital (leverage) ratio | 11.8652% | 2,046 |
Tier 1 risk-based capital ratio | 23.5032% | 1,136 |
Total risk-based capital ratio | 24.7552% | 1,109 |
Memoranda: | ||
Average total assets | $272,696,000 | 2,363 |
Average earning assets | $242,374,200 | 2,433 |
Average equity | $36,195,800 | 1,863 |
Average total loans | $113,637,400 | 3,591 |