Home > First Security Bank of Malta > Performance and Condition Ratios
First Security Bank of Malta, Performance and Condition Ratios
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4248% | 667 |
Cost of funding earning assets | 1.0311% | 1,625 |
Net interest margin | 4.3937% | 960 |
Noninterest income to average assets | 1.2350% | 598 |
Noninterest expense to average assets | 4.4098% | 330 |
Loan and lease loss provision to assets | 0.5659% | 208 |
Net operating income to assets | 0.2313% | 4,924 |
Return on assets (ROA) | 0.2313% | 4,938 |
Pretax return on assets | 0.3239% | 4,880 |
Return on Equity (ROE) | 2.2714% | 4,870 |
Retained earnings to average equity (ytd only) | -40.6778% | 5,240 |
Net charge-offs to loans | 0.1565% | 1,058 |
Credit loss provision to net charge-offs | 722.7273% | 460 |
Earnings coverage of net charge-offs (x) | 11.3648% | 2,448 |
Efficiency ratio | 83.2102% | 672 |
Assets per employee ($millions) | 4.5707% | 3,095 |
Cash dividends to net income (ytd only)* | 1,890.8724% | 2 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8311% | 635 |
Loan loss allowance to noncurrent loans | 464.9351% | 1,039 |
Noncurrent assets plus other real estate owned to assets | 0.3209% | 3,266 |
Noncurrent loans to loans | 0.3938% | 3,132 |
Net loans and leases to total assets | 46.6574% | 4,567 |
Net loans and leases to deposits | 50.6145% | 4,759 |
Net loans and leases to core deposits | 54.2328% | 4,735 |
Total domestic deposits to total assets | 92.1820% | 34 |
Equity capital to assets | 7.1251% | 5,216 |
Core capital (leverage) ratio | 7.8663% | 5,141 |
Tier 1 risk-based capital ratio | 17.6410% | 1,910 |
Total risk-based capital ratio | 18.9028% | 1,870 |
Memoranda: | ||
Average total assets | $37,461,000 | 5,007 |
Average earning assets | $34,654,750 | 4,994 |
Average equity | $3,815,250 | 5,079 |
Average total loans | $18,741,000 | 4,967 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5419% | 526 |
Cost of funding earning assets | 1.0327% | 1,560 |
Net interest margin | 4.5092% | 756 |
Noninterest income to average assets | 1.2805% | 528 |
Noninterest expense to average assets | 3.7642% | 691 |
Loan and lease loss provision to assets | 0.3753% | 337 |
Net operating income to assets | 0.9493% | 3,094 |
Return on assets (ROA) | 0.9493% | 3,162 |
Pretax return on assets | 1.2860% | 2,610 |
Return on Equity (ROE) | 8.3698% | 3,126 |
Retained earnings to average equity (ytd only) | 8.3698% | 1,252 |
Net charge-offs to loans | 0.2490% | 678 |
Credit loss provision to net charge-offs | 295.6522% | 916 |
Earnings coverage of net charge-offs (x) | 13.0870% | 2,122 |
Efficiency ratio | 69.3795% | 2,321 |
Assets per employee ($millions) | 3.3401% | 4,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3745% | 1,718 |
Loan loss allowance to noncurrent loans | 336.7089% | 1,409 |
Noncurrent assets plus other real estate owned to assets | 0.4328% | 2,783 |
Noncurrent loans to loans | 0.4082% | 3,069 |
Net loans and leases to total assets | 51.9501% | 4,357 |
Net loans and leases to deposits | 59.0764% | 4,472 |
Net loans and leases to core deposits | 63.0579% | 4,453 |
Total domestic deposits to total assets | 87.9372% | 1,131 |
Equity capital to assets | 11.6001% | 2,523 |
Core capital (leverage) ratio | 11.7785% | 1,962 |
Tier 1 risk-based capital ratio | 24.6993% | 779 |
Total risk-based capital ratio | 25.9547% | 760 |
Memoranda: | ||
Average total assets | $36,236,000 | 5,065 |
Average earning assets | $33,309,670 | 5,059 |
Average equity | $4,110,000 | 5,088 |
Average total loans | $18,471,000 | 5,012 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4925% | 527 |
Cost of funding earning assets | 0.9942% | 1,588 |
Net interest margin | 4.4983% | 746 |
Noninterest income to average assets | 0.5669% | 2,196 |
Noninterest expense to average assets | 3.5127% | 955 |
Loan and lease loss provision to assets | 0.0556% | 2,557 |
Net operating income to assets | 0.8226% | 3,540 |
Return on assets (ROA) | 0.8226% | 3,580 |
Pretax return on assets | 1.1227% | 3,084 |
Return on Equity (ROE) | 7.3376% | 3,529 |
Retained earnings to average equity (ytd only) | 7.3376% | 1,906 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.8815% | 1,627 |
Assets per employee ($millions) | 3.5773% | 4,488 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2440% | 2,356 |
Loan loss allowance to noncurrent loans | 129.1429% | 2,939 |
Noncurrent assets plus other real estate owned to assets | 0.7128% | 1,973 |
Noncurrent loans to loans | 0.9633% | 1,729 |
Net loans and leases to total assets | 50.1523% | 4,458 |
Net loans and leases to deposits | 56.9321% | 4,555 |
Net loans and leases to core deposits | 60.3343% | 4,554 |
Total domestic deposits to total assets | 88.0916% | 1,287 |
Equity capital to assets | 11.5031% | 2,396 |
Core capital (leverage) ratio | 11.6077% | 2,046 |
Tier 1 risk-based capital ratio | 26.6942% | 641 |
Total risk-based capital ratio | 27.9475% | 629 |
Memoranda: | ||
Average total assets | $35,983,500 | 5,124 |
Average earning assets | $32,990,500 | 5,115 |
Average equity | $4,034,000 | 5,146 |
Average total loans | $18,030,000 | 5,076 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3626% | 518 |
Cost of funding earning assets | 0.8300% | 1,394 |
Net interest margin | 4.5326% | 720 |
Noninterest income to average assets | 0.6588% | 2,015 |
Noninterest expense to average assets | 3.4196% | 1,119 |
Loan and lease loss provision to assets | 0.0502% | 3,181 |
Net operating income to assets | 0.9435% | 3,273 |
Return on assets (ROA) | 0.9435% | 3,262 |
Pretax return on assets | 1.3204% | 2,434 |
Return on Equity (ROE) | 8.9480% | 3,022 |
Retained earnings to average equity (ytd only) | 8.9480% | 883 |
Net charge-offs to loans | 0.0325% | 2,754 |
Credit loss provision to net charge-offs | 300.0000% | 1,027 |
Earnings coverage of net charge-offs (x) | 81.8333% | 854 |
Efficiency ratio | 71.3869% | 1,985 |
Assets per employee ($millions) | 3.6194% | 4,426 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2351% | 2,378 |
Loan loss allowance to noncurrent loans | 137.2671% | 2,877 |
Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,059 |
Noncurrent loans to loans | 0.8998% | 1,783 |
Net loans and leases to total assets | 48.8258% | 4,593 |
Net loans and leases to deposits | 54.9485% | 4,708 |
Net loans and leases to core deposits | 58.1029% | 4,699 |
Total domestic deposits to total assets | 88.8573% | 920 |
Equity capital to assets | 10.9217% | 2,767 |
Core capital (leverage) ratio | 11.5274% | 2,082 |
Tier 1 risk-based capital ratio | 25.8751% | 678 |
Total risk-based capital ratio | 27.1262% | 662 |
Memoranda: | ||
Average total assets | $35,822,400 | 5,164 |
Average earning assets | $32,652,200 | 5,156 |
Average equity | $3,777,400 | 5,206 |
Average total loans | $18,450,400 | 5,109 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3227% | 504 |
Cost of funding earning assets | 0.8119% | 1,278 |
Net interest margin | 4.5108% | 723 |
Noninterest income to average assets | 0.6568% | 2,040 |
Noninterest expense to average assets | 3.3286% | 1,240 |
Loan and lease loss provision to assets | 0.0485% | 3,022 |
Net operating income to assets | 0.9889% | 3,134 |
Return on assets (ROA) | 0.9889% | 3,143 |
Pretax return on assets | 1.3844% | 2,283 |
Return on Equity (ROE) | 9.4635% | 2,871 |
Retained earnings to average equity (ytd only) | 9.4635% | 1,054 |
Net charge-offs to loans | -0.0359% | 4,814 |
Credit loss provision to net charge-offs | -260.0000% | 4,369 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9060% | 2,204 |
Assets per employee ($millions) | 3.0992% | 4,965 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1783% | 2,751 |
Loan loss allowance to noncurrent loans | 168.1481% | 2,540 |
Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,104 |
Noncurrent loans to loans | 0.7008% | 2,323 |
Net loans and leases to total assets | 55.8447% | 4,232 |
Net loans and leases to deposits | 63.6148% | 4,354 |
Net loans and leases to core deposits | 66.8892% | 4,362 |
Total domestic deposits to total assets | 87.7856% | 1,342 |
Equity capital to assets | 11.2376% | 2,439 |
Core capital (leverage) ratio | 11.4433% | 2,218 |
Tier 1 risk-based capital ratio | 23.0653% | 932 |
Total risk-based capital ratio | 24.3156% | 907 |
Memoranda: | ||
Average total assets | $35,729,500 | 5,227 |
Average earning assets | $32,513,750 | 5,223 |
Average equity | $3,733,500 | 5,275 |
Average total loans | $18,589,750 | 5,167 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1140% | 647 |
Cost of funding earning assets | 0.7798% | 1,219 |
Net interest margin | 4.3342% | 969 |
Noninterest income to average assets | 0.6395% | 2,140 |
Noninterest expense to average assets | 3.2363% | 1,459 |
Loan and lease loss provision to assets | 0.0496% | 2,921 |
Net operating income to assets | 0.9152% | 3,393 |
Return on assets (ROA) | 0.9152% | 3,395 |
Pretax return on assets | 1.3067% | 2,480 |
Return on Equity (ROE) | 8.9705% | 3,032 |
Retained earnings to average equity (ytd only) | 8.9705% | 1,230 |
Net charge-offs to loans | -0.0980% | 5,153 |
Credit loss provision to net charge-offs | -100.0000% | 4,086 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.4682% | 2,243 |
Assets per employee ($millions) | 3.1592% | 4,971 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2101% | 2,657 |
Loan loss allowance to noncurrent loans | 118.2292% | 3,163 |
Noncurrent assets plus other real estate owned to assets | 0.5525% | 2,580 |
Noncurrent loans to loans | 1.0235% | 1,721 |
Net loans and leases to total assets | 53.3280% | 4,392 |
Net loans and leases to deposits | 60.2530% | 4,515 |
Net loans and leases to core deposits | 63.2664% | 4,535 |
Total domestic deposits to total assets | 88.5068% | 1,140 |
Equity capital to assets | 10.8083% | 2,829 |
Core capital (leverage) ratio | 10.8803% | 2,631 |
Tier 1 risk-based capital ratio | 24.0426% | 833 |
Total risk-based capital ratio | 25.2923% | 799 |
Memoranda: | ||
Average total assets | $36,275,670 | 5,280 |
Average earning assets | $33,085,670 | 5,276 |
Average equity | $3,701,000 | 5,342 |
Average total loans | $18,364,670 | 5,229 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8696% | 932 |
Cost of funding earning assets | 0.7328% | 1,270 |
Net interest margin | 4.1368% | 1,345 |
Noninterest income to average assets | 0.5832% | 2,347 |
Noninterest expense to average assets | 3.2075% | 1,549 |
Loan and lease loss provision to assets | 0.0540% | 2,689 |
Net operating income to assets | 0.7128% | 4,056 |
Return on assets (ROA) | 0.7128% | 4,065 |
Pretax return on assets | 1.1016% | 3,170 |
Return on Equity (ROE) | 7.1866% | 3,708 |
Retained earnings to average equity (ytd only) | 7.1866% | 2,190 |
Net charge-offs to loans | -0.0881% | 5,159 |
Credit loss provision to net charge-offs | -125.0000% | 3,724 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.5149% | 1,966 |
Assets per employee ($millions) | 3.2989% | 4,902 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1678% | 2,987 |
Loan loss allowance to noncurrent loans | 69.4268% | 4,031 |
Noncurrent assets plus other real estate owned to assets | 0.8653% | 1,829 |
Noncurrent loans to loans | 1.6820% | 1,016 |
Net loans and leases to total assets | 50.8433% | 4,505 |
Net loans and leases to deposits | 56.8567% | 4,656 |
Net loans and leases to core deposits | 59.5565% | 4,676 |
Total domestic deposits to total assets | 89.4235% | 918 |
Equity capital to assets | 10.1108% | 3,488 |
Core capital (leverage) ratio | 10.3161% | 3,170 |
Tier 1 risk-based capital ratio | 22.1806% | 1,027 |
Total risk-based capital ratio | 23.4284% | 1,009 |
Memoranda: | ||
Average total assets | $37,038,000 | 5,326 |
Average earning assets | $33,842,500 | 5,319 |
Average equity | $3,673,500 | 5,398 |
Average total loans | $18,167,500 | 5,292 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0898% | 545 |
Cost of funding earning assets | 0.7046% | 997 |
Net interest margin | 4.3852% | 796 |
Noninterest income to average assets | 0.6467% | 2,218 |
Noninterest expense to average assets | 3.4829% | 1,064 |
Loan and lease loss provision to assets | 0.0504% | 3,214 |
Net operating income to assets | 0.7083% | 3,568 |
Return on assets (ROA) | 0.7083% | 3,621 |
Pretax return on assets | 1.1563% | 2,961 |
Return on Equity (ROE) | 6.7850% | 3,388 |
Retained earnings to average equity (ytd only) | 1.4214% | 4,437 |
Net charge-offs to loans | 0.1539% | 1,570 |
Credit loss provision to net charge-offs | 60.0000% | 3,212 |
Earnings coverage of net charge-offs (x) | 14.3667% | 2,333 |
Efficiency ratio | 74.2687% | 1,860 |
Assets per employee ($millions) | 3.4353% | 4,787 |
Cash dividends to net income (ytd only)* | 79.0514% | 873 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1830% | 2,880 |
Loan loss allowance to noncurrent loans | 119.4286% | 3,212 |
Noncurrent assets plus other real estate owned to assets | 0.4631% | 3,020 |
Noncurrent loans to loans | 0.9905% | 1,786 |
Net loans and leases to total assets | 46.1999% | 4,883 |
Net loans and leases to deposits | 51.3184% | 5,014 |
Net loans and leases to core deposits | 53.6377% | 5,012 |
Total domestic deposits to total assets | 90.0259% | 558 |
Equity capital to assets | 9.7332% | 3,987 |
Core capital (leverage) ratio | 10.1134% | 3,298 |
Tier 1 risk-based capital ratio | 21.9107% | 1,027 |
Total risk-based capital ratio | 23.1417% | 1,011 |
Memoranda: | ||
Average total assets | $35,717,800 | 5,401 |
Average earning assets | $32,928,600 | 5,387 |
Average equity | $3,728,800 | 5,453 |
Average total loans | $19,489,200 | 5,327 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1818% | 431 |
Cost of funding earning assets | 0.6928% | 996 |
Net interest margin | 4.4889% | 615 |
Noninterest income to average assets | 0.6591% | 2,168 |
Noninterest expense to average assets | 3.4809% | 1,024 |
Loan and lease loss provision to assets | 0.0530% | 3,042 |
Net operating income to assets | 0.7879% | 3,571 |
Return on assets (ROA) | 0.7879% | 3,628 |
Pretax return on assets | 1.2727% | 2,616 |
Return on Equity (ROE) | 7.4123% | 3,436 |
Retained earnings to average equity (ytd only) | 7.4123% | 1,482 |
Net charge-offs to loans | 0.1538% | 1,320 |
Credit loss provision to net charge-offs | 60.8696% | 2,799 |
Earnings coverage of net charge-offs (x) | 15.2155% | 2,243 |
Efficiency ratio | 72.4192% | 2,153 |
Assets per employee ($millions) | 3.1276% | 5,152 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0378% | 3,853 |
Loan loss allowance to noncurrent loans | 13.7662% | 5,117 |
Noncurrent assets plus other real estate owned to assets | 4.4762% | 136 |
Noncurrent loans to loans | 7.5390% | 60 |
Net loans and leases to total assets | 58.7577% | 3,985 |
Net loans and leases to deposits | 66.6634% | 4,206 |
Net loans and leases to core deposits | 69.3863% | 4,278 |
Total domestic deposits to total assets | 88.1409% | 1,286 |
Equity capital to assets | 11.2603% | 2,610 |
Core capital (leverage) ratio | 11.2192% | 2,251 |
Tier 1 risk-based capital ratio | 20.4638% | 1,285 |
Total risk-based capital ratio | 21.5836% | 1,277 |
Memoranda: | ||
Average total assets | $35,200,250 | 5,468 |
Average earning assets | $32,523,500 | 5,452 |
Average equity | $3,741,500 | 5,514 |
Average total loans | $19,944,750 | 5,370 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0233% | 541 |
Cost of funding earning assets | 0.6584% | 1,099 |
Net interest margin | 4.3649% | 746 |
Noninterest income to average assets | 0.6598% | 2,169 |
Noninterest expense to average assets | 3.4851% | 1,034 |
Loan and lease loss provision to assets | 0.0508% | 2,971 |
Net operating income to assets | 0.7162% | 3,768 |
Return on assets (ROA) | 0.7162% | 3,837 |
Pretax return on assets | 1.1617% | 2,922 |
Return on Equity (ROE) | 6.8698% | 3,624 |
Retained earnings to average equity (ytd only) | 6.8698% | 1,655 |
Net charge-offs to loans | -0.0202% | 4,788 |
Credit loss provision to net charge-offs | -450.0000% | 4,645 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.1897% | 1,973 |
Assets per employee ($millions) | 3.2020% | 5,092 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1237% | 3,449 |
Loan loss allowance to noncurrent loans | 407.0175% | 1,236 |
Noncurrent assets plus other real estate owned to assets | 0.1618% | 4,534 |
Noncurrent loans to loans | 0.2761% | 4,051 |
Net loans and leases to total assets | 57.9581% | 4,042 |
Net loans and leases to deposits | 65.1934% | 4,286 |
Net loans and leases to core deposits | 67.1933% | 4,405 |
Total domestic deposits to total assets | 88.9018% | 1,008 |
Equity capital to assets | 10.7717% | 3,056 |
Core capital (leverage) ratio | 10.7112% | 2,691 |
Tier 1 risk-based capital ratio | 19.7975% | 1,412 |
Total risk-based capital ratio | 21.0081% | 1,385 |
Memoranda: | ||
Average total assets | $35,465,670 | 5,516 |
Average earning assets | $32,807,330 | 5,493 |
Average equity | $3,697,330 | 5,562 |
Average total loans | $19,784,000 | 5,417 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8523% | 680 |
Cost of funding earning assets | 0.6551% | 1,052 |
Net interest margin | 4.1972% | 998 |
Noninterest income to average assets | 0.6070% | 2,381 |
Noninterest expense to average assets | 3.4394% | 1,125 |
Loan and lease loss provision to assets | 0.0562% | 2,681 |
Net operating income to assets | 0.6294% | 4,021 |
Return on assets (ROA) | 0.6294% | 4,069 |
Pretax return on assets | 1.0004% | 3,370 |
Return on Equity (ROE) | 6.1387% | 3,841 |
Retained earnings to average equity (ytd only) | 6.1387% | 2,264 |
Net charge-offs to loans | -0.1860% | 5,607 |
Credit loss provision to net charge-offs | -55.5556% | 3,880 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.5000% | 1,832 |
Assets per employee ($millions) | 3.2275% | 5,126 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1935% | 3,175 |
Loan loss allowance to noncurrent loans | 458.8235% | 1,130 |
Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,690 |
Noncurrent loans to loans | 0.2601% | 4,182 |
Net loans and leases to total assets | 54.5659% | 4,296 |
Net loans and leases to deposits | 61.0969% | 4,490 |
Net loans and leases to core deposits | 62.9452% | 4,594 |
Total domestic deposits to total assets | 89.3105% | 999 |
Equity capital to assets | 10.4135% | 3,279 |
Core capital (leverage) ratio | 10.5338% | 2,863 |
Tier 1 risk-based capital ratio | 18.8132% | 1,653 |
Total risk-based capital ratio | 19.9960% | 1,635 |
Memoranda: | ||
Average total assets | $35,587,500 | 5,574 |
Average earning assets | $32,974,000 | 5,553 |
Average equity | $3,649,000 | 5,627 |
Average total loans | $19,353,000 | 5,488 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0993% | 498 |
Cost of funding earning assets | 0.6142% | 1,243 |
Net interest margin | 4.4851% | 646 |
Noninterest income to average assets | 0.6884% | 2,225 |
Noninterest expense to average assets | 3.7278% | 850 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6843% | 3,848 |
Return on assets (ROA) | 0.7030% | 3,878 |
Pretax return on assets | 1.1434% | 2,924 |
Return on Equity (ROE) | 6.5259% | 3,727 |
Retained earnings to average equity (ytd only) | 2.4641% | 4,119 |
Net charge-offs to loans | 0.4339% | 590 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 4.3409% | 3,510 |
Efficiency ratio | 76.9880% | 1,851 |
Assets per employee ($millions) | 3.2430% | 5,106 |
Cash dividends to net income (ytd only)* | 62.2407% | 1,657 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1571% | 3,389 |
Loan loss allowance to noncurrent loans | 491.1111% | 1,073 |
Noncurrent assets plus other real estate owned to assets | 0.1261% | 4,807 |
Noncurrent loans to loans | 0.2356% | 4,304 |
Net loans and leases to total assets | 52.9224% | 4,539 |
Net loans and leases to deposits | 58.9674% | 4,738 |
Net loans and leases to core deposits | 60.7335% | 4,831 |
Total domestic deposits to total assets | 89.7485% | 753 |
Equity capital to assets | 10.0945% | 3,615 |
Core capital (leverage) ratio | 10.4059% | 2,982 |
Tier 1 risk-based capital ratio | 19.3487% | 1,514 |
Total risk-based capital ratio | 20.5151% | 1,492 |
Memoranda: | ||
Average total assets | $34,282,600 | 5,645 |
Average earning assets | $31,749,400 | 5,634 |
Average equity | $3,693,000 | 5,680 |
Average total loans | $20,282,000 | 5,512 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1576% | 453 |
Cost of funding earning assets | 0.5985% | 1,344 |
Net interest margin | 4.5590% | 548 |
Noninterest income to average assets | 0.6836% | 2,247 |
Noninterest expense to average assets | 3.7679% | 776 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.6978% | 3,860 |
Return on assets (ROA) | 0.7229% | 3,859 |
Pretax return on assets | 1.1748% | 2,940 |
Return on Equity (ROE) | 6.6020% | 3,773 |
Retained earnings to average equity (ytd only) | 6.6020% | 1,845 |
Net charge-offs to loans | 0.3175% | 729 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 5.8981% | 3,067 |
Efficiency ratio | 76.8429% | 1,855 |
Assets per employee ($millions) | 3.0875% | 5,301 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2697% | 2,843 |
Loan loss allowance to noncurrent loans | 200.0000% | 2,243 |
Noncurrent assets plus other real estate owned to assets | 0.3828% | 3,889 |
Noncurrent loans to loans | 0.6348% | 3,110 |
Net loans and leases to total assets | 59.5295% | 3,935 |
Net loans and leases to deposits | 67.4203% | 4,211 |
Net loans and leases to core deposits | 69.6068% | 4,354 |
Total domestic deposits to total assets | 88.2961% | 1,241 |
Equity capital to assets | 11.2740% | 2,725 |
Core capital (leverage) ratio | 11.0267% | 2,426 |
Tier 1 risk-based capital ratio | 19.1639% | 1,635 |
Total risk-based capital ratio | 20.4129% | 1,592 |
Memoranda: | ||
Average total assets | $33,935,000 | 5,711 |
Average earning assets | $31,409,250 | 5,699 |
Average equity | $3,716,000 | 5,739 |
Average total loans | $20,577,500 | 5,558 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0931% | 497 |
Cost of funding earning assets | 0.5744% | 1,506 |
Net interest margin | 4.5187% | 593 |
Noninterest income to average assets | 0.6897% | 2,189 |
Noninterest expense to average assets | 3.6609% | 930 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.7369% | 3,621 |
Return on assets (ROA) | 0.7369% | 3,782 |
Pretax return on assets | 1.2026% | 2,772 |
Return on Equity (ROE) | 6.7966% | 3,647 |
Retained earnings to average equity (ytd only) | 6.7966% | 1,716 |
Net charge-offs to loans | 0.3008% | 794 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 6.5806% | 2,722 |
Efficiency ratio | 75.2727% | 2,186 |
Assets per employee ($millions) | 2.7883% | 5,615 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3349% | 2,597 |
Loan loss allowance to noncurrent loans | 125.7919% | 3,230 |
Noncurrent assets plus other real estate owned to assets | 0.6605% | 3,023 |
Noncurrent loans to loans | 1.0612% | 2,168 |
Net loans and leases to total assets | 61.4095% | 3,694 |
Net loans and leases to deposits | 69.4367% | 4,039 |
Net loans and leases to core deposits | 70.0402% | 4,320 |
Total domestic deposits to total assets | 88.4396% | 1,203 |
Equity capital to assets | 11.2765% | 2,770 |
Core capital (leverage) ratio | 10.9419% | 2,496 |
Tier 1 risk-based capital ratio | 18.3481% | 1,839 |
Total risk-based capital ratio | 19.5974% | 1,800 |
Memoranda: | ||
Average total assets | $33,925,670 | 5,777 |
Average earning assets | $31,336,670 | 5,768 |
Average equity | $3,678,330 | 5,809 |
Average total loans | $20,610,670 | 5,616 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9220% | 672 |
Cost of funding earning assets | 0.5582% | 1,637 |
Net interest margin | 4.3638% | 805 |
Noninterest income to average assets | 0.6909% | 2,082 |
Noninterest expense to average assets | 3.6067% | 1,010 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.6909% | 3,757 |
Return on assets (ROA) | 0.6909% | 3,867 |
Pretax return on assets | 1.1124% | 3,042 |
Return on Equity (ROE) | 6.4996% | 3,726 |
Retained earnings to average equity (ytd only) | 6.4996% | 2,132 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.4268% | 2,118 |
Assets per employee ($millions) | 2.8563% | 5,636 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4966% | 2,003 |
Loan loss allowance to noncurrent loans | 25.1220% | 5,382 |
Noncurrent assets plus other real estate owned to assets | 3.5885% | 305 |
Noncurrent loans to loans | 5.9573% | 143 |
Net loans and leases to total assets | 59.3360% | 3,869 |
Net loans and leases to deposits | 66.6230% | 4,195 |
Net loans and leases to core deposits | 67.1842% | 4,460 |
Total domestic deposits to total assets | 89.0623% | 1,067 |
Equity capital to assets | 10.7305% | 3,219 |
Core capital (leverage) ratio | 10.7201% | 2,699 |
Tier 1 risk-based capital ratio | 18.6407% | 1,814 |
Total risk-based capital ratio | 19.8923% | 1,774 |
Memoranda: | ||
Average total assets | $34,159,000 | 5,834 |
Average earning assets | $31,532,000 | 5,824 |
Average equity | $3,631,000 | 5,867 |
Average total loans | $20,503,500 | 5,664 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3960% | 325 |
Cost of funding earning assets | 0.5726% | 1,574 |
Net interest margin | 4.8233% | 352 |
Noninterest income to average assets | 0.7514% | 1,977 |
Noninterest expense to average assets | 3.7393% | 930 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.8707% | 3,015 |
Return on assets (ROA) | 0.8707% | 3,099 |
Pretax return on assets | 1.4074% | 1,874 |
Return on Equity (ROE) | 8.1793% | 2,851 |
Retained earnings to average equity (ytd only) | 3.9776% | 3,202 |
Net charge-offs to loans | 0.0484% | 3,231 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 47.2000% | 1,041 |
Efficiency ratio | 72.6535% | 2,796 |
Assets per employee ($millions) | 2.8368% | 5,668 |
Cash dividends to net income (ytd only)* | 51.3699% | 2,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5177% | 1,915 |
Loan loss allowance to noncurrent loans | 36.7420% | 5,184 |
Noncurrent assets plus other real estate owned to assets | 2.4705% | 629 |
Noncurrent loans to loans | 4.1306% | 286 |
Net loans and leases to total assets | 58.9008% | 3,985 |
Net loans and leases to deposits | 65.9572% | 4,317 |
Net loans and leases to core deposits | 66.5152% | 4,547 |
Total domestic deposits to total assets | 89.3015% | 966 |
Equity capital to assets | 10.5282% | 3,327 |
Core capital (leverage) ratio | 10.5641% | 2,866 |
Tier 1 risk-based capital ratio | 18.1703% | 1,914 |
Total risk-based capital ratio | 19.4257% | 1,882 |
Memoranda: | ||
Average total assets | $33,536,000 | 5,902 |
Average earning assets | $30,559,800 | 5,892 |
Average equity | $3,570,000 | 5,914 |
Average total loans | $20,651,800 | 5,697 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3616% | 340 |
Cost of funding earning assets | 0.5724% | 1,601 |
Net interest margin | 4.7892% | 386 |
Noninterest income to average assets | 0.7583% | 1,989 |
Noninterest expense to average assets | 3.7194% | 951 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.8740% | 3,071 |
Return on assets (ROA) | 0.8740% | 3,153 |
Pretax return on assets | 1.4127% | 1,965 |
Return on Equity (ROE) | 8.1870% | 2,976 |
Retained earnings to average equity (ytd only) | 8.1870% | 1,176 |
Net charge-offs to loans | 0.0450% | 2,998 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 50.5884% | 1,039 |
Efficiency ratio | 72.4728% | 2,793 |
Assets per employee ($millions) | 2.7663% | 5,785 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4057% | 2,572 |
Loan loss allowance to noncurrent loans | 416.0000% | 1,210 |
Noncurrent assets plus other real estate owned to assets | 0.2259% | 4,861 |
Noncurrent loans to loans | 0.3379% | 4,402 |
Net loans and leases to total assets | 65.9226% | 3,026 |
Net loans and leases to deposits | 74.5918% | 3,468 |
Net loans and leases to core deposits | 75.2433% | 3,878 |
Total domestic deposits to total assets | 88.3778% | 1,358 |
Equity capital to assets | 11.1493% | 2,850 |
Core capital (leverage) ratio | 11.0037% | 2,486 |
Tier 1 risk-based capital ratio | 17.8797% | 2,058 |
Total risk-based capital ratio | 19.1327% | 2,026 |
Memoranda: | ||
Average total assets | $33,409,500 | 5,981 |
Average earning assets | $30,512,250 | 5,973 |
Average equity | $3,566,500 | 5,994 |
Average total loans | $20,724,750 | 5,758 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1916% | 432 |
Cost of funding earning assets | 0.5551% | 1,775 |
Net interest margin | 4.6365% | 495 |
Noninterest income to average assets | 0.7407% | 2,040 |
Noninterest expense to average assets | 3.7036% | 980 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.7945% | 3,419 |
Return on assets (ROA) | 0.7945% | 3,509 |
Pretax return on assets | 1.2783% | 2,442 |
Return on Equity (ROE) | 7.5532% | 3,289 |
Retained earnings to average equity (ytd only) | 7.5532% | 1,449 |
Net charge-offs to loans | -0.0297% | 5,327 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.3405% | 2,634 |
Assets per employee ($millions) | 2.6978% | 5,918 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4515% | 2,505 |
Loan loss allowance to noncurrent loans | 480.5970% | 1,063 |
Noncurrent assets plus other real estate owned to assets | 0.3799% | 4,376 |
Noncurrent loans to loans | 0.3020% | 4,606 |
Net loans and leases to total assets | 67.5316% | 2,711 |
Net loans and leases to deposits | 76.1530% | 3,251 |
Net loans and leases to core deposits | 76.8328% | 3,684 |
Total domestic deposits to total assets | 88.6788% | 1,310 |
Equity capital to assets | 11.0462% | 2,840 |
Core capital (leverage) ratio | 10.8703% | 2,546 |
Tier 1 risk-based capital ratio | 17.5208% | 2,211 |
Total risk-based capital ratio | 18.7751% | 2,164 |
Memoranda: | ||
Average total assets | $33,481,000 | 6,048 |
Average earning assets | $30,626,670 | 6,036 |
Average equity | $3,521,670 | 6,061 |
Average total loans | $20,234,670 | 5,840 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8360% | 793 |
Cost of funding earning assets | 0.5531% | 1,815 |
Net interest margin | 4.2830% | 911 |
Noninterest income to average assets | 0.6581% | 2,368 |
Noninterest expense to average assets | 3.5963% | 1,143 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.6111% | 4,237 |
Return on assets (ROA) | 0.6111% | 4,328 |
Pretax return on assets | 0.9755% | 3,582 |
Return on Equity (ROE) | 5.9522% | 4,062 |
Retained earnings to average equity (ytd only) | 5.9522% | 2,532 |
Net charge-offs to loans | -0.0623% | 5,634 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.6632% | 2,094 |
Assets per employee ($millions) | 2.7827% | 5,906 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6725% | 1,812 |
Loan loss allowance to noncurrent loans | 480.5970% | 1,041 |
Noncurrent assets plus other real estate owned to assets | 0.3684% | 4,538 |
Noncurrent loans to loans | 0.3480% | 4,546 |
Net loans and leases to total assets | 56.6932% | 4,129 |
Net loans and leases to deposits | 63.7107% | 4,400 |
Net loans and leases to core deposits | 64.2600% | 4,671 |
Total domestic deposits to total assets | 88.9854% | 1,280 |
Equity capital to assets | 10.6013% | 3,425 |
Core capital (leverage) ratio | 10.3773% | 3,122 |
Tier 1 risk-based capital ratio | 18.0243% | 2,129 |
Total risk-based capital ratio | 19.2759% | 2,083 |
Memoranda: | ||
Average total assets | $34,035,000 | 6,096 |
Average earning assets | $31,100,000 | 6,089 |
Average equity | $3,494,500 | 6,126 |
Average total loans | $19,260,000 | 5,931 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0195% | 742 |
Cost of funding earning assets | 0.7632% | 794 |
Net interest margin | 4.2563% | 1,153 |
Noninterest income to average assets | 1.7453% | 422 |
Noninterest expense to average assets | 3.7092% | 1,130 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.2095% | 1,557 |
Return on assets (ROA) | 1.2095% | 1,610 |
Pretax return on assets | 1.9429% | 568 |
Return on Equity (ROE) | 11.7462% | 1,478 |
Retained earnings to average equity (ytd only) | 11.7462% | 318 |
Net charge-offs to loans | 0.0378% | 4,080 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 92.7143% | 562 |
Efficiency ratio | 65.6250% | 4,316 |
Assets per employee ($millions) | 2.8898% | 5,842 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6505% | 1,926 |
Loan loss allowance to noncurrent loans | 460.8696% | 1,134 |
Noncurrent assets plus other real estate owned to assets | 0.3605% | 4,624 |
Noncurrent loans to loans | 0.3581% | 4,575 |
Net loans and leases to total assets | 54.6427% | 4,497 |
Net loans and leases to deposits | 62.0770% | 4,720 |
Net loans and leases to core deposits | 63.6663% | 4,859 |
Total domestic deposits to total assets | 88.0241% | 1,758 |
Equity capital to assets | 9.9458% | 4,182 |
Core capital (leverage) ratio | 10.1188% | 3,409 |
Tier 1 risk-based capital ratio | 17.3104% | 2,378 |
Total risk-based capital ratio | 18.5660% | 2,336 |
Memoranda: | ||
Average total assets | $33,403,600 | 6,190 |
Average earning assets | $30,660,600 | 6,169 |
Average equity | $3,439,400 | 6,191 |
Average total loans | $18,519,400 | 6,017 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9725% | 807 |
Cost of funding earning assets | 0.7798% | 762 |
Net interest margin | 4.1927% | 1,309 |
Noninterest income to average assets | 2.0875% | 321 |
Noninterest expense to average assets | 3.7639% | 1,017 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.3621% | 1,221 |
Return on assets (ROA) | 1.3621% | 1,260 |
Pretax return on assets | 2.1802% | 380 |
Return on Equity (ROE) | 13.1120% | 1,196 |
Retained earnings to average equity (ytd only) | 13.1120% | 322 |
Net charge-offs to loans | 0.0436% | 3,630 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 90.1650% | 637 |
Efficiency ratio | 63.3220% | 4,656 |
Assets per employee ($millions) | 2.7056% | 6,082 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5172% | 2,623 |
Loan loss allowance to noncurrent loans | 164.4330% | 2,518 |
Noncurrent assets plus other real estate owned to assets | 0.5975% | 4,055 |
Noncurrent loans to loans | 0.9227% | 3,256 |
Net loans and leases to total assets | 63.7755% | 3,213 |
Net loans and leases to deposits | 75.4564% | 3,249 |
Net loans and leases to core deposits | 78.3487% | 3,505 |
Total domestic deposits to total assets | 84.5197% | 3,541 |
Equity capital to assets | 11.0820% | 2,875 |
Core capital (leverage) ratio | 10.9304% | 2,556 |
Tier 1 risk-based capital ratio | 16.8529% | 2,667 |
Total risk-based capital ratio | 18.1068% | 2,615 |
Memoranda: | ||
Average total assets | $33,085,000 | 6,271 |
Average earning assets | $30,433,250 | 6,250 |
Average equity | $3,437,000 | 6,259 |
Average total loans | $18,332,500 | 6,094 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7286% | 1,227 |
Cost of funding earning assets | 0.7435% | 948 |
Net interest margin | 3.9851% | 1,858 |
Noninterest income to average assets | 2.7335% | 214 |
Noninterest expense to average assets | 3.7428% | 1,064 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.6641% | 624 |
Return on assets (ROA) | 1.6641% | 658 |
Pretax return on assets | 2.6614% | 167 |
Return on Equity (ROE) | 16.3744% | 617 |
Retained earnings to average equity (ytd only) | 16.3744% | 158 |
Net charge-offs to loans | 0.0344% | 3,521 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 147.6667% | 416 |
Efficiency ratio | 58.4428% | 5,498 |
Assets per employee ($millions) | 2.7386% | 6,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6888% | 2,165 |
Loan loss allowance to noncurrent loans | 170.3704% | 2,449 |
Noncurrent assets plus other real estate owned to assets | 0.5751% | 4,263 |
Noncurrent loans to loans | 0.9912% | 3,252 |
Net loans and leases to total assets | 57.0398% | 4,107 |
Net loans and leases to deposits | 66.3587% | 4,235 |
Net loans and leases to core deposits | 68.8269% | 4,388 |
Total domestic deposits to total assets | 85.9569% | 3,060 |
Equity capital to assets | 10.8085% | 3,080 |
Core capital (leverage) ratio | 10.5910% | 2,833 |
Tier 1 risk-based capital ratio | 17.6539% | 2,366 |
Total risk-based capital ratio | 18.9098% | 2,338 |
Memoranda: | ||
Average total assets | $33,291,000 | 6,321 |
Average earning assets | $30,664,330 | 6,303 |
Average equity | $3,383,330 | 6,318 |
Average total loans | $17,435,000 | 6,174 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4682% | 1,909 |
Cost of funding earning assets | 0.7165% | 1,142 |
Net interest margin | 3.7517% | 2,668 |
Noninterest income to average assets | 4.6918% | 127 |
Noninterest expense to average assets | 3.8681% | 906 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 2.6384% | 132 |
Return on assets (ROA) | 2.6384% | 137 |
Pretax return on assets | 4.2621% | 81 |
Return on Equity (ROE) | 26.7960% | 97 |
Retained earnings to average equity (ytd only) | 26.7960% | 47 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.5771% | 6,374 |
Assets per employee ($millions) | 2.7763% | 6,127 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9077% | 1,730 |
Loan loss allowance to noncurrent loans | 168.3938% | 2,416 |
Noncurrent assets plus other real estate owned to assets | 0.5793% | 4,413 |
Noncurrent loans to loans | 1.1329% | 3,153 |
Net loans and leases to total assets | 50.1606% | 4,894 |
Net loans and leases to deposits | 57.3119% | 5,003 |
Net loans and leases to core deposits | 59.3747% | 5,099 |
Total domestic deposits to total assets | 87.5221% | 2,496 |
Equity capital to assets | 10.3017% | 3,469 |
Core capital (leverage) ratio | 10.5943% | 2,815 |
Tier 1 risk-based capital ratio | 19.4101% | 1,856 |
Total risk-based capital ratio | 20.6686% | 1,826 |
Memoranda: | ||
Average total assets | $33,505,000 | 6,380 |
Average earning assets | $30,706,000 | 6,365 |
Average equity | $3,299,000 | 6,391 |
Average total loans | $16,619,000 | 6,277 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7994% | 1,316 |
Cost of funding earning assets | 0.7576% | 1,456 |
Net interest margin | 4.0418% | 1,832 |
Noninterest income to average assets | 1.3098% | 802 |
Noninterest expense to average assets | 3.7451% | 1,227 |
Loan and lease loss provision to assets | 0.0031% | 5,049 |
Net operating income to assets | 0.7850% | 3,369 |
Return on assets (ROA) | 0.9253% | 2,749 |
Pretax return on assets | 1.4099% | 1,750 |
Return on Equity (ROE) | 9.3807% | 2,375 |
Retained earnings to average equity (ytd only) | 9.3807% | 682 |
Net charge-offs to loans | 0.0061% | 5,345 |
Credit loss provision to net charge-offs | 100.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 384.0000% | 112 |
Efficiency ratio | 75.7269% | 2,822 |
Assets per employee ($millions) | 3.0632% | 5,737 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0059% | 1,534 |
Loan loss allowance to noncurrent loans | 165.8163% | 2,448 |
Noncurrent assets plus other real estate owned to assets | 0.5817% | 4,493 |
Noncurrent loans to loans | 1.2097% | 3,122 |
Net loans and leases to total assets | 47.1198% | 5,378 |
Net loans and leases to deposits | 52.9463% | 5,553 |
Net loans and leases to core deposits | 54.7936% | 5,626 |
Total domestic deposits to total assets | 88.9954% | 1,629 |
Equity capital to assets | 9.3961% | 4,549 |
Core capital (leverage) ratio | 9.8644% | 3,750 |
Tier 1 risk-based capital ratio | 18.4371% | 2,103 |
Total risk-based capital ratio | 19.6958% | 2,063 |
Memoranda: | ||
Average total assets | $31,988,600 | 6,481 |
Average earning assets | $28,774,600 | 6,472 |
Average equity | $3,155,400 | 6,507 |
Average total loans | $16,420,000 | 6,355 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8790% | 1,165 |
Cost of funding earning assets | 0.8147% | 1,241 |
Net interest margin | 4.0643% | 1,748 |
Noninterest income to average assets | 1.5123% | 636 |
Noninterest expense to average assets | 3.7766% | 1,110 |
Loan and lease loss provision to assets | 0.0042% | 4,875 |
Net operating income to assets | 0.9032% | 2,820 |
Return on assets (ROA) | 1.0899% | 2,122 |
Pretax return on assets | 1.6644% | 1,174 |
Return on Equity (ROE) | 10.9108% | 1,852 |
Retained earnings to average equity (ytd only) | 10.9108% | 591 |
Net charge-offs to loans | 0.0162% | 4,805 |
Credit loss provision to net charge-offs | 50.0000% | 3,494 |
Earnings coverage of net charge-offs (x) | 163.2921% | 343 |
Efficiency ratio | 73.2187% | 3,188 |
Assets per employee ($millions) | 2.8123% | 6,132 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7791% | 2,371 |
Loan loss allowance to noncurrent loans | 255.1181% | 1,601 |
Noncurrent assets plus other real estate owned to assets | 0.4105% | 5,190 |
Noncurrent loans to loans | 0.6974% | 4,456 |
Net loans and leases to total assets | 57.8212% | 4,041 |
Net loans and leases to deposits | 67.4777% | 4,121 |
Net loans and leases to core deposits | 70.1451% | 4,304 |
Total domestic deposits to total assets | 85.6893% | 3,410 |
Equity capital to assets | 10.2861% | 3,523 |
Core capital (leverage) ratio | 9.4372% | 4,494 |
Tier 1 risk-based capital ratio | 14.8806% | 3,826 |
Total risk-based capital ratio | 16.1375% | 3,775 |
Memoranda: | ||
Average total assets | $31,562,000 | 6,567 |
Average earning assets | $28,311,250 | 6,554 |
Average equity | $3,152,750 | 6,579 |
Average total loans | $16,474,500 | 6,415 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5899% | 1,881 |
Cost of funding earning assets | 0.7321% | 1,822 |
Net interest margin | 3.8578% | 2,348 |
Noninterest income to average assets | 1.8885% | 483 |
Noninterest expense to average assets | 3.8526% | 1,035 |
Loan and lease loss provision to assets | 0.0063% | 4,712 |
Net operating income to assets | 0.9828% | 2,399 |
Return on assets (ROA) | 1.2653% | 1,513 |
Pretax return on assets | 1.9074% | 745 |
Return on Equity (ROE) | 12.7903% | 1,291 |
Retained earnings to average equity (ytd only) | 12.7903% | 407 |
Net charge-offs to loans | 0.0755% | 3,636 |
Credit loss provision to net charge-offs | 16.6667% | 3,799 |
Earnings coverage of net charge-offs (x) | 39.3333% | 939 |
Efficiency ratio | 72.1698% | 3,439 |
Assets per employee ($millions) | 2.8813% | 6,051 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8071% | 2,415 |
Loan loss allowance to noncurrent loans | 226.9504% | 1,790 |
Noncurrent assets plus other real estate owned to assets | 0.4449% | 5,162 |
Noncurrent loans to loans | 0.7963% | 4,321 |
Net loans and leases to total assets | 54.8621% | 4,469 |
Net loans and leases to deposits | 64.0772% | 4,489 |
Net loans and leases to core deposits | 67.1974% | 4,571 |
Total domestic deposits to total assets | 85.6187% | 3,568 |
Equity capital to assets | 9.7022% | 4,309 |
Core capital (leverage) ratio | 9.3684% | 4,437 |
Tier 1 risk-based capital ratio | 16.0960% | 3,136 |
Total risk-based capital ratio | 17.3543% | 3,077 |
Memoranda: | ||
Average total assets | $31,771,000 | 6,609 |
Average earning assets | $28,410,000 | 6,600 |
Average equity | $3,143,000 | 6,628 |
Average total loans | $15,895,670 | 6,481 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4640% | 2,299 |
Cost of funding earning assets | 0.6944% | 2,270 |
Net interest margin | 3.7696% | 2,570 |
Noninterest income to average assets | 3.0431% | 243 |
Noninterest expense to average assets | 3.9737% | 914 |
Loan and lease loss provision to assets | 0.0126% | 4,296 |
Net operating income to assets | 1.6850% | 604 |
Return on assets (ROA) | 1.6850% | 662 |
Pretax return on assets | 2.4018% | 306 |
Return on Equity (ROE) | 16.8713% | 521 |
Retained earnings to average equity (ytd only) | 16.8713% | 235 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2047% | 5,280 |
Assets per employee ($millions) | 2.8357% | 6,233 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1367% | 1,714 |
Loan loss allowance to noncurrent loans | 227.9720% | 1,688 |
Noncurrent assets plus other real estate owned to assets | 0.4584% | 5,235 |
Noncurrent loans to loans | 0.9373% | 4,262 |
Net loans and leases to total assets | 47.8665% | 5,242 |
Net loans and leases to deposits | 53.8656% | 5,447 |
Net loans and leases to core deposits | 56.4307% | 5,484 |
Total domestic deposits to total assets | 88.8629% | 1,758 |
Equity capital to assets | 10.3773% | 3,700 |
Core capital (leverage) ratio | 9.1377% | 4,655 |
Tier 1 risk-based capital ratio | 18.0251% | 2,346 |
Total risk-based capital ratio | 19.2826% | 2,311 |
Memoranda: | ||
Average total assets | $31,809,500 | 6,674 |
Average earning assets | $28,225,500 | 6,669 |
Average equity | $3,177,000 | 6,683 |
Average total loans | $14,989,500 | 6,581 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9811% | 1,613 |
Cost of funding earning assets | 0.8103% | 2,586 |
Net interest margin | 4.1709% | 1,739 |
Noninterest income to average assets | 0.9167% | 1,807 |
Noninterest expense to average assets | 10.4361% | 75 |
Loan and lease loss provision to assets | 0.0521% | 5,162 |
Net operating income to assets | -3.5568% | 7,029 |
Return on assets (ROA) | -3.5568% | 7,033 |
Pretax return on assets | -5.8354% | 7,067 |
Return on Equity (ROE) | -44.1557% | 7,009 |
Retained earnings to average equity (ytd only) | -44.1557% | 7,003 |
Net charge-offs to loans | -0.0472% | 6,696 |
Credit loss provision to net charge-offs | -225.0000% | 6,408 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 224.3008% | 28 |
Assets per employee ($millions) | 2.9478% | 6,085 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2076% | 1,540 |
Loan loss allowance to noncurrent loans | 233.8129% | 1,614 |
Noncurrent assets plus other real estate owned to assets | 0.4287% | 5,419 |
Noncurrent loans to loans | 0.9442% | 4,303 |
Net loans and leases to total assets | 44.3996% | 5,781 |
Net loans and leases to deposits | 49.3149% | 6,007 |
Net loans and leases to core deposits | 50.1795% | 6,139 |
Total domestic deposits to total assets | 90.0327% | 932 |
Equity capital to assets | 9.6127% | 4,728 |
Core capital (leverage) ratio | 8.6011% | 5,461 |
Tier 1 risk-based capital ratio | 16.8030% | 2,743 |
Total risk-based capital ratio | 18.0648% | 2,702 |
Memoranda: | ||
Average total assets | $34,581,800 | 6,644 |
Average earning assets | $30,976,800 | 6,637 |
Average equity | $2,785,600 | 6,826 |
Average total loans | $16,951,400 | 6,558 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1175% | 1,388 |
Cost of funding earning assets | 0.8353% | 2,665 |
Net interest margin | 4.2822% | 1,527 |
Noninterest income to average assets | 0.9871% | 1,540 |
Noninterest expense to average assets | 17.8010% | 43 |
Loan and lease loss provision to assets | 0.0493% | 5,149 |
Net operating income to assets | -7.6230% | 7,176 |
Return on assets (ROA) | -7.6230% | 7,176 |
Pretax return on assets | -13.0100% | 7,180 |
Return on Equity (ROE) | -99.0573% | 7,161 |
Retained earnings to average equity (ytd only) | -99.0573% | 7,160 |
Net charge-offs to loans | -0.0609% | 6,758 |
Credit loss provision to net charge-offs | -162.5000% | 6,296 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 367.7647% | 13 |
Assets per employee ($millions) | 2.8788% | 6,247 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0439% | 2,050 |
Loan loss allowance to noncurrent loans | 220.6897% | 1,620 |
Noncurrent assets plus other real estate owned to assets | 0.4579% | 5,519 |
Noncurrent loans to loans | 0.9262% | 4,579 |
Net loans and leases to total assets | 48.4290% | 5,497 |
Net loans and leases to deposits | 52.6540% | 5,925 |
Net loans and leases to core deposits | 52.6540% | 6,139 |
Total domestic deposits to total assets | 91.9759% | 211 |
Equity capital to assets | 7.4841% | 6,776 |
Core capital (leverage) ratio | 3.7046% | 7,105 |
Tier 1 risk-based capital ratio | 6.7286% | 7,063 |
Total risk-based capital ratio | 7.9855% | 7,066 |
Memoranda: | ||
Average total assets | $35,120,750 | 6,713 |
Average earning assets | $31,603,250 | 6,705 |
Average equity | $2,702,750 | 6,932 |
Average total loans | $17,508,750 | 6,618 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2082% | 1,224 |
Cost of funding earning assets | 0.8438% | 2,850 |
Net interest margin | 4.3645% | 1,296 |
Noninterest income to average assets | 1.0532% | 1,305 |
Noninterest expense to average assets | 23.9248% | 31 |
Loan and lease loss provision to assets | 0.0496% | 5,053 |
Net operating income to assets | -11.1326% | 7,242 |
Return on assets (ROA) | -11.1326% | 7,241 |
Pretax return on assets | -18.9568% | 7,242 |
Return on Equity (ROE) | -143.5136% | 7,221 |
Retained earnings to average equity (ytd only) | -143.5136% | 7,219 |
Net charge-offs to loans | -0.0221% | 6,450 |
Credit loss provision to net charge-offs | -450.0000% | 6,264 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 476.8132% | 8 |
Assets per employee ($millions) | 2.7547% | 6,470 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8830% | 2,606 |
Loan loss allowance to noncurrent loans | 208.0537% | 1,649 |
Noncurrent assets plus other real estate owned to assets | 0.4508% | 5,656 |
Noncurrent loans to loans | 0.9051% | 4,688 |
Net loans and leases to total assets | 48.8656% | 5,508 |
Net loans and leases to deposits | 52.7307% | 5,977 |
Net loans and leases to core deposits | 52.7307% | 6,183 |
Total domestic deposits to total assets | 92.6700% | 147 |
Equity capital to assets | 6.9488% | 6,917 |
Core capital (leverage) ratio | 3.1807% | 7,168 |
Tier 1 risk-based capital ratio | 6.1880% | 7,121 |
Total risk-based capital ratio | 7.3071% | 7,125 |
Memoranda: | ||
Average total assets | $36,272,000 | 6,726 |
Average earning assets | $32,948,000 | 6,712 |
Average equity | $2,813,670 | 6,951 |
Average total loans | $18,126,330 | 6,642 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3407% | 1,024 |
Cost of funding earning assets | 1.0521% | 1,658 |
Net interest margin | 4.2885% | 1,507 |
Noninterest income to average assets | 0.6864% | 2,727 |
Noninterest expense to average assets | 3.4636% | 1,835 |
Loan and lease loss provision to assets | 0.0528% | 4,751 |
Net operating income to assets | 0.7181% | 3,793 |
Return on assets (ROA) | 0.7181% | 4,017 |
Pretax return on assets | 1.1299% | 3,198 |
Return on Equity (ROE) | 8.8542% | 2,887 |
Retained earnings to average equity (ytd only) | 8.8542% | 1,638 |
Net charge-offs to loans | -0.0422% | 6,468 |
Credit loss provision to net charge-offs | -250.0000% | 5,635 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5455% | 3,013 |
Assets per employee ($millions) | 2.9901% | 6,172 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5813% | 3,798 |
Loan loss allowance to noncurrent loans | 205.3691% | 1,617 |
Noncurrent assets plus other real estate owned to assets | 0.3833% | 5,920 |
Noncurrent loans to loans | 0.7700% | 5,122 |
Net loans and leases to total assets | 48.9954% | 5,430 |
Net loans and leases to deposits | 54.6407% | 5,741 |
Net loans and leases to core deposits | 54.6407% | 6,010 |
Total domestic deposits to total assets | 89.6684% | 1,256 |
Equity capital to assets | 7.9905% | 6,531 |
Core capital (leverage) ratio | 7.9538% | 6,293 |
Tier 1 risk-based capital ratio | 13.7165% | 4,667 |
Total risk-based capital ratio | 14.9706% | 4,650 |
Memoranda: | ||
Average total assets | $37,880,000 | 6,740 |
Average earning assets | $34,977,000 | 6,711 |
Average equity | $3,072,000 | 6,945 |
Average total loans | $18,958,000 | 6,658 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0576% | 392 |
Cost of funding earning assets | 1.3518% | 1,232 |
Net interest margin | 4.7058% | 747 |
Noninterest income to average assets | 0.7809% | 2,161 |
Noninterest expense to average assets | 3.9131% | 1,162 |
Loan and lease loss provision to assets | 0.0519% | 5,941 |
Net operating income to assets | 0.7002% | 3,489 |
Return on assets (ROA) | 0.7002% | 3,675 |
Pretax return on assets | 1.0892% | 2,876 |
Return on Equity (ROE) | 8.1615% | 2,823 |
Retained earnings to average equity (ytd only) | 4.1311% | 3,243 |
Net charge-offs to loans | -0.0052% | 6,841 |
Credit loss provision to net charge-offs | -1,800.0000% | 6,900 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.4230% | 2,673 |
Assets per employee ($millions) | 2.8376% | 6,396 |
Cash dividends to net income (ytd only)* | 49.3827% | 2,077 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6106% | 3,545 |
Loan loss allowance to noncurrent loans | 190.4459% | 1,733 |
Noncurrent assets plus other real estate owned to assets | 0.4256% | 5,905 |
Noncurrent loans to loans | 0.8457% | 4,995 |
Net loans and leases to total assets | 49.5161% | 5,653 |
Net loans and leases to deposits | 56.0238% | 5,895 |
Net loans and leases to core deposits | 56.7285% | 6,103 |
Total domestic deposits to total assets | 88.3841% | 1,916 |
Equity capital to assets | 8.2355% | 6,400 |
Core capital (leverage) ratio | 8.2611% | 5,907 |
Tier 1 risk-based capital ratio | 13.6314% | 4,605 |
Total risk-based capital ratio | 14.8835% | 4,563 |
Memoranda: | ||
Average total assets | $34,703,800 | 6,837 |
Average earning assets | $31,514,000 | 6,823 |
Average equity | $2,977,400 | 7,014 |
Average total loans | $19,053,800 | 6,704 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2633% | 290 |
Cost of funding earning assets | 1.4092% | 1,198 |
Net interest margin | 4.8542% | 564 |
Noninterest income to average assets | 0.7846% | 2,120 |
Noninterest expense to average assets | 3.9580% | 1,054 |
Loan and lease loss provision to assets | 0.0547% | 5,762 |
Net operating income to assets | 0.7417% | 3,421 |
Return on assets (ROA) | 0.7417% | 3,589 |
Pretax return on assets | 1.1554% | 2,804 |
Return on Equity (ROE) | 8.5519% | 2,799 |
Retained earnings to average equity (ytd only) | 3.1506% | 4,455 |
Net charge-offs to loans | -0.0069% | 6,741 |
Credit loss provision to net charge-offs | -1,400.0000% | 6,795 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.5861% | 2,752 |
Assets per employee ($millions) | 2.6402% | 6,733 |
Cash dividends to net income (ytd only)* | 63.1587% | 1,092 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4907% | 4,145 |
Loan loss allowance to noncurrent loans | 191.5584% | 1,607 |
Noncurrent assets plus other real estate owned to assets | 0.4487% | 5,967 |
Noncurrent loans to loans | 0.7782% | 5,319 |
Net loans and leases to total assets | 56.7974% | 4,718 |
Net loans and leases to deposits | 65.9941% | 4,907 |
Net loans and leases to core deposits | 66.9115% | 5,320 |
Total domestic deposits to total assets | 86.0643% | 3,185 |
Equity capital to assets | 8.7670% | 6,019 |
Core capital (leverage) ratio | 8.6709% | 5,457 |
Tier 1 risk-based capital ratio | 13.6992% | 4,572 |
Total risk-based capital ratio | 14.9521% | 4,543 |
Memoranda: | ||
Average total assets | $34,157,500 | 6,918 |
Average earning assets | $30,845,500 | 6,910 |
Average equity | $2,962,250 | 7,082 |
Average total loans | $19,176,000 | 6,769 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0646% | 418 |
Cost of funding earning assets | 1.3995% | 1,421 |
Net interest margin | 4.6651% | 793 |
Noninterest income to average assets | 0.8152% | 1,948 |
Noninterest expense to average assets | 3.9880% | 1,071 |
Loan and lease loss provision to assets | 0.0528% | 5,657 |
Net operating income to assets | 0.6803% | 3,643 |
Return on assets (ROA) | 0.6803% | 3,766 |
Pretax return on assets | 1.0556% | 3,023 |
Return on Equity (ROE) | 7.8733% | 2,999 |
Retained earnings to average equity (ytd only) | 7.8733% | 1,501 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.2509% | 2,673 |
Assets per employee ($millions) | 2.6765% | 6,671 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4289% | 4,448 |
Loan loss allowance to noncurrent loans | 185.2564% | 1,633 |
Noncurrent assets plus other real estate owned to assets | 0.4484% | 6,023 |
Noncurrent loans to loans | 0.7713% | 5,369 |
Net loans and leases to total assets | 57.2972% | 4,767 |
Net loans and leases to deposits | 66.2370% | 4,966 |
Net loans and leases to core deposits | 67.1404% | 5,376 |
Total domestic deposits to total assets | 86.5034% | 3,040 |
Equity capital to assets | 8.7343% | 5,894 |
Core capital (leverage) ratio | 8.7732% | 5,088 |
Tier 1 risk-based capital ratio | 13.7134% | 4,372 |
Total risk-based capital ratio | 14.9665% | 4,345 |
Memoranda: | ||
Average total assets | $34,102,670 | 6,985 |
Average earning assets | $31,296,330 | 6,955 |
Average equity | $2,946,670 | 7,142 |
Average total loans | $18,971,670 | 6,840 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9481% | 532 |
Cost of funding earning assets | 1.3836% | 1,699 |
Net interest margin | 4.5646% | 928 |
Noninterest income to average assets | 0.8532% | 1,839 |
Noninterest expense to average assets | 4.1117% | 908 |
Loan and lease loss provision to assets | 0.0592% | 5,260 |
Net operating income to assets | 0.5569% | 4,252 |
Return on assets (ROA) | 0.5569% | 4,330 |
Pretax return on assets | 0.8650% | 3,643 |
Return on Equity (ROE) | 6.4816% | 3,635 |
Retained earnings to average equity (ytd only) | 6.4816% | 2,383 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.6471% | 2,279 |
Assets per employee ($millions) | 2.6228% | 6,811 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5271% | 4,071 |
Loan loss allowance to noncurrent loans | 113.6000% | 2,548 |
Noncurrent assets plus other real estate owned to assets | 0.7332% | 5,468 |
Noncurrent loans to loans | 1.3443% | 4,466 |
Net loans and leases to total assets | 53.7101% | 5,347 |
Net loans and leases to deposits | 61.6911% | 5,543 |
Net loans and leases to core deposits | 62.5444% | 5,874 |
Total domestic deposits to total assets | 87.0630% | 2,911 |
Equity capital to assets | 8.5435% | 5,845 |
Core capital (leverage) ratio | 8.2087% | 5,959 |
Tier 1 risk-based capital ratio | 13.8452% | 4,181 |
Total risk-based capital ratio | 15.0972% | 4,155 |
Memoranda: | ||
Average total assets | $33,757,000 | 7,042 |
Average earning assets | $30,934,000 | 7,021 |
Average equity | $2,900,500 | 7,197 |
Average total loans | $18,345,000 | 6,920 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5427% | 303 |
Cost of funding earning assets | 1.4231% | 3,121 |
Net interest margin | 5.1196% | 339 |
Noninterest income to average assets | 0.9963% | 1,514 |
Noninterest expense to average assets | 4.4208% | 705 |
Loan and lease loss provision to assets | 0.1025% | 6,117 |
Net operating income to assets | 0.7400% | 3,046 |
Return on assets (ROA) | 0.7400% | 3,173 |
Pretax return on assets | 1.1404% | 2,431 |
Return on Equity (ROE) | 7.8840% | 2,745 |
Retained earnings to average equity (ytd only) | 2.7645% | 3,921 |
Net charge-offs to loans | 0.4359% | 3,873 |
Credit loss provision to net charge-offs | 41.0256% | 6,370 |
Earnings coverage of net charge-offs (x) | 4.9744% | 2,753 |
Efficiency ratio | 78.0543% | 2,704 |
Assets per employee ($millions) | 2.5706% | 6,901 |
Cash dividends to net income (ytd only)* | 64.9351% | 1,427 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5476% | 3,786 |
Loan loss allowance to noncurrent loans | 107.2797% | 2,698 |
Noncurrent assets plus other real estate owned to assets | 1.9181% | 3,450 |
Noncurrent loans to loans | 1.4425% | 4,322 |
Net loans and leases to total assets | 53.3036% | 5,735 |
Net loans and leases to deposits | 60.6689% | 5,981 |
Net loans and leases to core deposits | 60.6689% | 6,341 |
Total domestic deposits to total assets | 87.8598% | 2,337 |
Equity capital to assets | 8.6420% | 5,668 |
Core capital (leverage) ratio | 8.2336% | 5,781 |
Tier 1 risk-based capital ratio | 12.0142% | 5,460 |
Total risk-based capital ratio | 13.2057% | 5,493 |
Memoranda: | ||
Average total assets | $31,216,400 | 7,167 |
Average earning assets | $28,459,200 | 7,149 |
Average equity | $2,930,000 | 7,291 |
Average total loans | $17,893,800 | 7,034 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5473% | 311 |
Cost of funding earning assets | 1.2130% | 4,782 |
Net interest margin | 5.3344% | 224 |
Noninterest income to average assets | 1.0174% | 1,421 |
Noninterest expense to average assets | 4.4870% | 608 |
Loan and lease loss provision to assets | 0.0609% | 6,457 |
Net operating income to assets | 0.8522% | 2,805 |
Return on assets (ROA) | 0.8522% | 2,935 |
Pretax return on assets | 1.3261% | 2,102 |
Return on Equity (ROE) | 8.8873% | 2,527 |
Retained earnings to average equity (ytd only) | 8.8873% | 1,088 |
Net charge-offs to loans | 0.4483% | 3,512 |
Credit loss provision to net charge-offs | 23.3333% | 6,219 |
Earnings coverage of net charge-offs (x) | 5.3165% | 2,780 |
Efficiency ratio | 76.3879% | 2,874 |
Assets per employee ($millions) | 2.3745% | 7,223 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4995% | 3,967 |
Loan loss allowance to noncurrent loans | 113.3603% | 2,479 |
Noncurrent assets plus other real estate owned to assets | 2.0312% | 3,427 |
Noncurrent loans to loans | 1.3228% | 4,655 |
Net loans and leases to total assets | 59.5860% | 4,983 |
Net loans and leases to deposits | 66.9616% | 5,551 |
Net loans and leases to core deposits | 68.2031% | 5,916 |
Total domestic deposits to total assets | 88.9854% | 1,391 |
Equity capital to assets | 9.8451% | 4,356 |
Core capital (leverage) ratio | 9.4259% | 4,022 |
Tier 1 risk-based capital ratio | 14.0283% | 3,812 |
Total risk-based capital ratio | 15.2815% | 3,779 |
Memoranda: | ||
Average total assets | $30,666,000 | 7,264 |
Average earning assets | $27,919,000 | 7,253 |
Average equity | $2,940,500 | 7,388 |
Average total loans | $17,844,000 | 7,128 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4855% | 348 |
Cost of funding earning assets | 1.2138% | 5,050 |
Net interest margin | 5.2717% | 254 |
Noninterest income to average assets | 1.0393% | 1,252 |
Noninterest expense to average assets | 4.4773% | 588 |
Loan and lease loss provision to assets | 0.0588% | 6,369 |
Net operating income to assets | 0.8366% | 2,794 |
Return on assets (ROA) | 0.8366% | 2,952 |
Pretax return on assets | 1.3007% | 2,082 |
Return on Equity (ROE) | 8.8043% | 2,549 |
Retained earnings to average equity (ytd only) | 8.8043% | 1,176 |
Net charge-offs to loans | 0.6375% | 2,637 |
Credit loss provision to net charge-offs | 16.0714% | 5,885 |
Earnings coverage of net charge-offs (x) | 3.7143% | 3,204 |
Efficiency ratio | 76.7077% | 2,947 |
Assets per employee ($millions) | 2.3399% | 7,311 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5309% | 3,765 |
Loan loss allowance to noncurrent loans | 90.2913% | 3,016 |
Noncurrent assets plus other real estate owned to assets | 2.4952% | 2,884 |
Noncurrent loans to loans | 1.6956% | 4,145 |
Net loans and leases to total assets | 58.9927% | 5,249 |
Net loans and leases to deposits | 66.1031% | 5,792 |
Net loans and leases to core deposits | 67.3434% | 6,117 |
Total domestic deposits to total assets | 89.2436% | 1,308 |
Equity capital to assets | 9.7965% | 4,272 |
Core capital (leverage) ratio | 9.3520% | 4,038 |
Tier 1 risk-based capital ratio | 14.7497% | 3,294 |
Total risk-based capital ratio | 15.9998% | 3,271 |
Memoranda: | ||
Average total assets | $30,598,670 | 7,327 |
Average earning assets | $27,846,670 | 7,302 |
Average equity | $2,907,670 | 7,447 |
Average total loans | $17,567,670 | 7,194 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4434% | 399 |
Cost of funding earning assets | 1.1885% | 5,463 |
Net interest margin | 5.2550% | 259 |
Noninterest income to average assets | 0.7821% | 2,109 |
Noninterest expense to average assets | 4.2100% | 799 |
Loan and lease loss provision to assets | 0.0652% | 5,987 |
Net operating income to assets | 0.8081% | 2,928 |
Return on assets (ROA) | 0.8081% | 3,022 |
Pretax return on assets | 1.2904% | 2,073 |
Return on Equity (ROE) | 8.6366% | 2,612 |
Retained earnings to average equity (ytd only) | 8.6366% | 1,496 |
Net charge-offs to loans | -0.1160% | 7,550 |
Credit loss provision to net charge-offs | -100.0000% | 6,057 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6440% | 3,285 |
Assets per employee ($millions) | 2.2794% | 7,480 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9341% | 2,348 |
Loan loss allowance to noncurrent loans | 68.4318% | 3,936 |
Noncurrent assets plus other real estate owned to assets | 3.1756% | 2,256 |
Noncurrent loans to loans | 2.8264% | 2,840 |
Net loans and leases to total assets | 57.4919% | 5,526 |
Net loans and leases to deposits | 64.3305% | 6,026 |
Net loans and leases to core deposits | 65.5685% | 6,323 |
Total domestic deposits to total assets | 89.3696% | 1,320 |
Equity capital to assets | 9.7968% | 4,112 |
Core capital (leverage) ratio | 9.0643% | 4,448 |
Tier 1 risk-based capital ratio | 15.0722% | 3,083 |
Total risk-based capital ratio | 16.3310% | 3,033 |
Memoranda: | ||
Average total assets | $30,688,500 | 7,418 |
Average earning assets | $27,935,500 | 7,395 |
Average equity | $2,871,500 | 7,532 |
Average total loans | $17,239,500 | 7,301 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7019% | 462 |
Cost of funding earning assets | 1.3985% | 5,939 |
Net interest margin | 5.3034% | 242 |
Noninterest income to average assets | 0.9065% | 1,919 |
Noninterest expense to average assets | 4.5356% | 770 |
Loan and lease loss provision to assets | 0.6831% | 3,094 |
Net operating income to assets | 0.3429% | 4,362 |
Return on assets (ROA) | 0.3383% | 4,469 |
Pretax return on assets | 0.4762% | 4,260 |
Return on Equity (ROE) | 3.6553% | 4,227 |
Retained earnings to average equity (ytd only) | 2.2358% | 3,554 |
Net charge-offs to loans | 0.5861% | 3,460 |
Credit loss provision to net charge-offs | 205.9406% | 1,869 |
Earnings coverage of net charge-offs (x) | 3.5149% | 3,311 |
Efficiency ratio | 79.5507% | 2,948 |
Assets per employee ($millions) | 2.4419% | 7,293 |
Cash dividends to net income (ytd only)* | 38.8350% | 2,975 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9057% | 2,251 |
Loan loss allowance to noncurrent loans | 52.1600% | 4,883 |
Noncurrent assets plus other real estate owned to assets | 3.3895% | 2,000 |
Noncurrent loans to loans | 3.6535% | 2,060 |
Net loans and leases to total assets | 52.8619% | 6,320 |
Net loans and leases to deposits | 58.6011% | 6,737 |
Net loans and leases to core deposits | 68.7718% | 6,836 |
Total domestic deposits to total assets | 90.2063% | 881 |
Equity capital to assets | 8.9463% | 5,224 |
Core capital (leverage) ratio | 8.5817% | 5,133 |
Tier 1 risk-based capital ratio | 13.8620% | 3,593 |
Total risk-based capital ratio | 15.1184% | 3,533 |
Memoranda: | ||
Average total assets | $30,448,200 | 7,456 |
Average earning assets | $27,529,400 | 7,445 |
Average equity | $2,817,800 | 7,640 |
Average total loans | $17,233,800 | 7,341 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8062% | 412 |
Cost of funding earning assets | 1.4613% | 5,996 |
Net interest margin | 5.3449% | 235 |
Noninterest income to average assets | 0.9339% | 1,841 |
Noninterest expense to average assets | 4.3729% | 837 |
Loan and lease loss provision to assets | 0.8587% | 2,232 |
Net operating income to assets | 0.3718% | 4,511 |
Return on assets (ROA) | 0.3718% | 4,615 |
Pretax return on assets | 0.5267% | 4,438 |
Return on Equity (ROE) | 3.9826% | 4,381 |
Retained earnings to average equity (ytd only) | 3.9826% | 3,053 |
Net charge-offs to loans | 0.0077% | 6,858 |
Credit loss provision to net charge-offs | 19,400.0000% | 16 |
Earnings coverage of net charge-offs (x) | 313.7744% | 117 |
Efficiency ratio | 75.9416% | 3,525 |
Assets per employee ($millions) | 2.2822% | 7,522 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1737% | 1,467 |
Loan loss allowance to noncurrent loans | 47.5751% | 5,137 |
Noncurrent assets plus other real estate owned to assets | 3.1549% | 2,159 |
Noncurrent loans to loans | 4.5690% | 1,517 |
Net loans and leases to total assets | 62.4983% | 5,163 |
Net loans and leases to deposits | 70.2215% | 5,886 |
Net loans and leases to core deposits | 82.2955% | 6,164 |
Total domestic deposits to total assets | 89.0016% | 1,195 |
Equity capital to assets | 9.7277% | 4,456 |
Core capital (leverage) ratio | 8.9422% | 4,744 |
Tier 1 risk-based capital ratio | 13.5053% | 3,844 |
Total risk-based capital ratio | 14.7652% | 3,774 |
Memoranda: | ||
Average total assets | $30,124,000 | 7,535 |
Average earning assets | $27,190,250 | 7,525 |
Average equity | $2,812,250 | 7,715 |
Average total loans | $17,265,500 | 7,402 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8052% | 448 |
Cost of funding earning assets | 1.4909% | 6,180 |
Net interest margin | 5.3142% | 239 |
Noninterest income to average assets | 0.9777% | 1,664 |
Noninterest expense to average assets | 4.3401% | 907 |
Loan and lease loss provision to assets | 1.2485% | 1,371 |
Net operating income to assets | 0.1387% | 5,454 |
Return on assets (ROA) | 0.1387% | 5,548 |
Pretax return on assets | 0.1453% | 5,576 |
Return on Equity (ROE) | 1.5066% | 5,457 |
Retained earnings to average equity (ytd only) | 1.5066% | 4,489 |
Net charge-offs to loans | -0.0359% | 7,802 |
Credit loss provision to net charge-offs | -6,300.0000% | 7,260 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6912% | 3,745 |
Assets per employee ($millions) | 2.3366% | 7,503 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3425% | 1,056 |
Loan loss allowance to noncurrent loans | 52.3567% | 4,886 |
Noncurrent assets plus other real estate owned to assets | 2.8147% | 2,281 |
Noncurrent loans to loans | 4.4742% | 1,440 |
Net loans and leases to total assets | 56.4064% | 6,164 |
Net loans and leases to deposits | 62.7964% | 6,675 |
Net loans and leases to core deposits | 73.9970% | 6,792 |
Total domestic deposits to total assets | 89.8242% | 902 |
Equity capital to assets | 9.1816% | 5,044 |
Core capital (leverage) ratio | 8.7849% | 4,962 |
Tier 1 risk-based capital ratio | 14.1961% | 3,403 |
Total risk-based capital ratio | 15.4555% | 3,337 |
Memoranda: | ||
Average total assets | $30,276,000 | 7,595 |
Average earning assets | $27,097,000 | 7,593 |
Average equity | $2,787,670 | 7,794 |
Average total loans | $16,702,670 | 7,501 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6487% | 637 |
Cost of funding earning assets | 1.5909% | 6,070 |
Net interest margin | 5.0578% | 355 |
Noninterest income to average assets | 0.9131% | 1,798 |
Noninterest expense to average assets | 4.2215% | 921 |
Loan and lease loss provision to assets | 0.0662% | 6,120 |
Net operating income to assets | 0.7014% | 3,553 |
Return on assets (ROA) | 0.7014% | 3,742 |
Pretax return on assets | 1.0852% | 3,044 |
Return on Equity (ROE) | 7.6067% | 3,328 |
Retained earnings to average equity (ytd only) | 7.6067% | 1,976 |
Net charge-offs to loans | -0.0246% | 7,493 |
Credit loss provision to net charge-offs | -500.0000% | 6,394 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.5714% | 3,067 |
Assets per employee ($millions) | 2.3258% | 7,558 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3674% | 3,698 |
Loan loss allowance to noncurrent loans | 13.8376% | 7,438 |
Noncurrent assets plus other real estate owned to assets | 5.6094% | 746 |
Noncurrent loans to loans | 9.8815% | 300 |
Net loans and leases to total assets | 53.6795% | 6,507 |
Net loans and leases to deposits | 59.8805% | 6,905 |
Net loans and leases to core deposits | 70.6297% | 6,987 |
Total domestic deposits to total assets | 89.6445% | 953 |
Equity capital to assets | 9.3302% | 4,893 |
Core capital (leverage) ratio | 8.9055% | 4,855 |
Tier 1 risk-based capital ratio | 14.3738% | 3,376 |
Total risk-based capital ratio | 15.5801% | 3,331 |
Memoranda: | ||
Average total assets | $30,226,000 | 7,641 |
Average earning assets | $26,652,000 | 7,656 |
Average equity | $2,787,000 | 7,839 |
Average total loans | $16,281,500 | 7,566 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3842% | 507 |
Cost of funding earning assets | 2.1558% | 5,802 |
Net interest margin | 5.2284% | 317 |
Noninterest income to average assets | 0.9783% | 1,657 |
Noninterest expense to average assets | 4.1854% | 1,160 |
Loan and lease loss provision to assets | 0.0605% | 6,648 |
Net operating income to assets | 1.0018% | 2,552 |
Return on assets (ROA) | 1.0018% | 2,430 |
Pretax return on assets | 1.5834% | 1,438 |
Return on Equity (ROE) | 11.0904% | 1,874 |
Retained earnings to average equity (ytd only) | 2.4563% | 3,663 |
Net charge-offs to loans | 0.1401% | 4,819 |
Credit loss provision to net charge-offs | 78.2609% | 5,934 |
Earnings coverage of net charge-offs (x) | 21.2609% | 1,537 |
Efficiency ratio | 71.7993% | 3,973 |
Assets per employee ($millions) | 2.3244% | 7,523 |
Cash dividends to net income (ytd only)* | 77.8523% | 1,811 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3596% | 3,422 |
Loan loss allowance to noncurrent loans | 33.8485% | 6,472 |
Noncurrent assets plus other real estate owned to assets | 2.3728% | 2,046 |
Noncurrent loans to loans | 4.0166% | 1,221 |
Net loans and leases to total assets | 52.5830% | 6,793 |
Net loans and leases to deposits | 58.4886% | 7,180 |
Net loans and leases to core deposits | 67.4549% | 7,309 |
Total domestic deposits to total assets | 89.9030% | 685 |
Equity capital to assets | 9.1108% | 5,209 |
Core capital (leverage) ratio | 8.5213% | 5,536 |
Tier 1 risk-based capital ratio | 14.2950% | 3,398 |
Total risk-based capital ratio | 15.4854% | 3,347 |
Memoranda: | ||
Average total assets | $29,746,400 | 7,659 |
Average earning assets | $27,599,400 | 7,637 |
Average equity | $2,687,000 | 7,932 |
Average total loans | $16,418,800 | 7,555 |