Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5529% | 1,979 |
Cost of funding earning assets | 1.8295% | 2,376 |
Net interest margin | 3.7234% | 1,837 |
Noninterest income to average assets | 0.5200% | 1,653 |
Noninterest expense to average assets | 2.6375% | 1,930 |
Loan and lease loss provision to assets | 0.2400% | 469 |
Net operating income to assets | 1.1498% | 1,859 |
Return on assets (ROA) | 1.1498% | 1,863 |
Pretax return on assets | 1.1498% | 2,366 |
Return on Equity (ROE) | 14.6300% | 1,150 |
Retained earnings to average equity (ytd only) | 4.6126% | 2,680 |
Net charge-offs to loans | 0.0104% | 1,860 |
Credit loss provision to net charge-offs | 4,125.0000% | 105 |
Earnings coverage of net charge-offs (x) | 240.2500% | 364 |
Efficiency ratio | 65.5185% | 2,307 |
Assets per employee ($millions) | 5.5053% | 3,320 |
Cash dividends to net income (ytd only)* | 68.4673% | 827 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9948% | 3,264 |
Loan loss allowance to noncurrent loans | 1,650.5263% | 488 |
Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,461 |
Noncurrent loans to loans | 0.0603% | 3,376 |
Net loans and leases to total assets | 55.5800% | 3,232 |
Net loans and leases to deposits | 62.3346% | 3,361 |
Net loans and leases to core deposits | 73.4715% | 3,102 |
Total domestic deposits to total assets | 89.1600% | 1,119 |
Equity capital to assets | 7.9844% | 3,599 |
Core capital (leverage) ratio | 10.3538% | 2,526 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.9330% | 888 |
Memoranda: | ||
Average total assets | $276,929,000 | 2,589 |
Average earning assets | $261,051,000 | 2,571 |
Average equity | $21,766,500 | 2,901 |
Average total loans | $153,529,500 | 2,734 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6975% | 1,754 |
Cost of funding earning assets | 1.8286% | 2,654 |
Net interest margin | 3.8689% | 1,401 |
Noninterest income to average assets | 0.6200% | 1,441 |
Noninterest expense to average assets | 2.6649% | 1,826 |
Loan and lease loss provision to assets | 0.0500% | 2,169 |
Net operating income to assets | 1.5214% | 873 |
Return on assets (ROA) | 1.4989% | 911 |
Pretax return on assets | 1.4989% | 1,285 |
Return on Equity (ROE) | 19.0200% | 476 |
Retained earnings to average equity (ytd only) | 7.5042% | 1,268 |
Net charge-offs to loans | 0.0810% | 1,332 |
Credit loss provision to net charge-offs | 117.3913% | 1,694 |
Earnings coverage of net charge-offs (x) | 35.7913% | 1,421 |
Efficiency ratio | 62.8821% | 2,840 |
Assets per employee ($millions) | 5.6893% | 3,133 |
Cash dividends to net income (ytd only)* | 60.5558% | 1,161 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9421% | 3,495 |
Loan loss allowance to noncurrent loans | 169.0276% | 2,379 |
Noncurrent assets plus other real estate owned to assets | 0.3050% | 2,020 |
Noncurrent loans to loans | 0.5574% | 1,684 |
Net loans and leases to total assets | 54.2100% | 3,382 |
Net loans and leases to deposits | 60.7066% | 3,501 |
Net loans and leases to core deposits | 73.0552% | 3,204 |
Total domestic deposits to total assets | 89.3000% | 1,054 |
Equity capital to assets | 7.7320% | 3,648 |
Core capital (leverage) ratio | 10.2307% | 2,573 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.7727% | 789 |
Memoranda: | ||
Average total assets | $261,660,200 | 2,643 |
Average earning assets | $245,002,400 | 2,622 |
Average equity | $20,615,200 | 2,929 |
Average total loans | $141,899,000 | 2,802 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6279% | 1,847 |
Cost of funding earning assets | 1.7525% | 2,832 |
Net interest margin | 3.8754% | 1,341 |
Noninterest income to average assets | 0.6400% | 1,336 |
Noninterest expense to average assets | 2.7186% | 1,629 |
Loan and lease loss provision to assets | 0.0500% | 2,008 |
Net operating income to assets | 1.4920% | 944 |
Return on assets (ROA) | 1.4616% | 986 |
Pretax return on assets | 1.4616% | 1,381 |
Return on Equity (ROE) | 18.4600% | 533 |
Retained earnings to average equity (ytd only) | 7.7108% | 1,486 |
Net charge-offs to loans | 0.0133% | 2,160 |
Credit loss provision to net charge-offs | 742.8571% | 489 |
Earnings coverage of net charge-offs (x) | 214.2857% | 491 |
Efficiency ratio | 63.7550% | 2,742 |
Assets per employee ($millions) | 5.5537% | 3,223 |
Cash dividends to net income (ytd only)* | 58.2305% | 1,059 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0413% | 3,037 |
Loan loss allowance to noncurrent loans | 207.1529% | 2,185 |
Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,186 |
Noncurrent loans to loans | 0.5027% | 1,819 |
Net loans and leases to total assets | 51.5800% | 3,564 |
Net loans and leases to deposits | 58.2305% | 3,664 |
Net loans and leases to core deposits | 69.6130% | 3,411 |
Total domestic deposits to total assets | 88.5800% | 1,059 |
Equity capital to assets | 8.3081% | 3,524 |
Core capital (leverage) ratio | 10.5885% | 2,344 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.2432% | 665 |
Memoranda: | ||
Average total assets | $258,803,750 | 2,651 |
Average earning assets | $241,930,500 | 2,635 |
Average equity | $20,490,250 | 2,931 |
Average total loans | $140,012,000 | 2,813 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6400% | 1,704 |
Cost of funding earning assets | 1.6756% | 2,912 |
Net interest margin | 3.9643% | 1,159 |
Noninterest income to average assets | 0.6500% | 1,264 |
Noninterest expense to average assets | 2.7834% | 1,500 |
Loan and lease loss provision to assets | 0.0500% | 1,906 |
Net operating income to assets | 1.5057% | 900 |
Return on assets (ROA) | 1.4593% | 981 |
Pretax return on assets | 1.4593% | 1,355 |
Return on Equity (ROE) | 18.7600% | 540 |
Retained earnings to average equity (ytd only) | 7.6324% | 1,474 |
Net charge-offs to loans | 0.0057% | 2,223 |
Credit loss provision to net charge-offs | 1,725.0000% | 271 |
Earnings coverage of net charge-offs (x) | 496.0000% | 244 |
Efficiency ratio | 64.0840% | 2,762 |
Assets per employee ($millions) | 5.2147% | 3,445 |
Cash dividends to net income (ytd only)* | 59.3211% | 1,144 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0288% | 3,131 |
Loan loss allowance to noncurrent loans | 802.7624% | 905 |
Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,186 |
Noncurrent loans to loans | 0.1282% | 3,004 |
Net loans and leases to total assets | 54.7000% | 3,360 |
Net loans and leases to deposits | 61.6652% | 3,490 |
Net loans and leases to core deposits | 73.3714% | 3,201 |
Total domestic deposits to total assets | 88.7100% | 1,096 |
Equity capital to assets | 7.9293% | 3,477 |
Core capital (leverage) ratio | 10.8220% | 2,142 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.0556% | 776 |
Memoranda: | ||
Average total assets | $254,360,667 | 2,671 |
Average earning assets | $237,164,667 | 2,662 |
Average equity | $19,784,000 | 2,958 |
Average total loans | $139,401,333 | 2,811 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6131% | 1,612 |
Cost of funding earning assets | 1.5902% | 3,004 |
Net interest margin | 4.0229% | 1,062 |
Noninterest income to average assets | 0.6300% | 1,253 |
Noninterest expense to average assets | 2.8024% | 1,454 |
Loan and lease loss provision to assets | 0.0600% | 1,561 |
Net operating income to assets | 1.5163% | 870 |
Return on assets (ROA) | 1.5163% | 885 |
Pretax return on assets | 1.5163% | 1,225 |
Return on Equity (ROE) | 19.6900% | 460 |
Retained earnings to average equity (ytd only) | 9.9665% | 1,121 |
Net charge-offs to loans | 0.0202% | 1,449 |
Credit loss provision to net charge-offs | 500.0000% | 509 |
Earnings coverage of net charge-offs (x) | 142.4286% | 537 |
Efficiency ratio | 64.0721% | 2,805 |
Assets per employee ($millions) | 4.9292% | 3,697 |
Cash dividends to net income (ytd only)* | 49.3763% | 1,308 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0074% | 3,259 |
Loan loss allowance to noncurrent loans | 773.2240% | 999 |
Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,165 |
Noncurrent loans to loans | 0.1303% | 2,959 |
Net loans and leases to total assets | 55.3100% | 3,245 |
Net loans and leases to deposits | 62.2694% | 3,385 |
Net loans and leases to core deposits | 73.0904% | 3,158 |
Total domestic deposits to total assets | 88.8200% | 1,155 |
Equity capital to assets | 7.7493% | 3,526 |
Core capital (leverage) ratio | 10.7557% | 2,118 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.7823% | 718 |
Memoranda: | ||
Average total assets | $253,780,500 | 2,678 |
Average earning assets | $236,445,000 | 2,675 |
Average equity | $19,545,500 | 2,989 |
Average total loans | $138,484,500 | 2,824 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0271% | 2,025 |
Cost of funding earning assets | 0.9922% | 3,316 |
Net interest margin | 4.0348% | 1,153 |
Noninterest income to average assets | 0.6700% | 1,291 |
Noninterest expense to average assets | 2.6847% | 1,775 |
Loan and lease loss provision to assets | 0.0600% | 1,903 |
Net operating income to assets | 1.6823% | 760 |
Return on assets (ROA) | 1.6823% | 732 |
Pretax return on assets | 1.6823% | 1,096 |
Return on Equity (ROE) | 24.6600% | 324 |
Retained earnings to average equity (ytd only) | 18.1105% | 188 |
Net charge-offs to loans | 0.0109% | 2,241 |
Credit loss provision to net charge-offs | 985.7143% | 420 |
Earnings coverage of net charge-offs (x) | 311.2143% | 422 |
Efficiency ratio | 60.7124% | 3,001 |
Assets per employee ($millions) | 5.3369% | 3,364 |
Cash dividends to net income (ytd only)* | 26.5466% | 2,691 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0161% | 3,227 |
Loan loss allowance to noncurrent loans | 753.8043% | 1,092 |
Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,080 |
Noncurrent loans to loans | 0.1348% | 2,833 |
Net loans and leases to total assets | 52.7500% | 3,432 |
Net loans and leases to deposits | 59.2851% | 3,568 |
Net loans and leases to core deposits | 67.4713% | 3,431 |
Total domestic deposits to total assets | 88.9700% | 1,073 |
Equity capital to assets | 7.6550% | 3,629 |
Core capital (leverage) ratio | 10.5922% | 2,266 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.5630% | 986 |
Memoranda: | ||
Average total assets | $250,790,800 | 2,680 |
Average earning assets | $233,416,600 | 2,662 |
Average equity | $17,111,600 | 3,086 |
Average total loans | $128,422,400 | 2,867 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9100% | 2,037 |
Cost of funding earning assets | 0.8628% | 3,367 |
Net interest margin | 4.0473% | 1,154 |
Noninterest income to average assets | 0.6800% | 1,252 |
Noninterest expense to average assets | 2.7046% | 1,641 |
Loan and lease loss provision to assets | 0.0600% | 1,749 |
Net operating income to assets | 1.6890% | 807 |
Return on assets (ROA) | 1.6890% | 796 |
Pretax return on assets | 1.6890% | 1,182 |
Return on Equity (ROE) | 25.5500% | 372 |
Retained earnings to average equity (ytd only) | 21.5599% | 210 |
Net charge-offs to loans | 0.0042% | 2,337 |
Credit loss provision to net charge-offs | 2,600.0000% | 182 |
Earnings coverage of net charge-offs (x) | 816.0000% | 194 |
Efficiency ratio | 60.7881% | 2,877 |
Assets per employee ($millions) | 5.1807% | 3,453 |
Cash dividends to net income (ytd only)* | 15.6329% | 2,622 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0578% | 3,083 |
Loan loss allowance to noncurrent loans | 733.3333% | 1,098 |
Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,100 |
Noncurrent loans to loans | 0.1442% | 2,828 |
Net loans and leases to total assets | 51.3000% | 3,541 |
Net loans and leases to deposits | 57.1503% | 3,649 |
Net loans and leases to core deposits | 65.8403% | 3,438 |
Total domestic deposits to total assets | 89.7700% | 999 |
Equity capital to assets | 6.6352% | 3,781 |
Core capital (leverage) ratio | 10.6659% | 2,252 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.9271% | 957 |
Memoranda: | ||
Average total assets | $249,445,750 | 2,688 |
Average earning assets | $232,580,000 | 2,679 |
Average equity | $16,487,000 | 3,123 |
Average total loans | $126,400,750 | 2,887 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8357% | 1,916 |
Cost of funding earning assets | 0.7476% | 3,355 |
Net interest margin | 4.0880% | 1,102 |
Noninterest income to average assets | 0.6600% | 1,238 |
Noninterest expense to average assets | 2.6528% | 1,780 |
Loan and lease loss provision to assets | 0.0600% | 1,720 |
Net operating income to assets | 1.7589% | 702 |
Return on assets (ROA) | 1.7589% | 705 |
Pretax return on assets | 1.7589% | 1,097 |
Return on Equity (ROE) | 26.6500% | 302 |
Retained earnings to average equity (ytd only) | 26.6462% | 98 |
Net charge-offs to loans | 0.0096% | 1,847 |
Credit loss provision to net charge-offs | 1,150.0000% | 374 |
Earnings coverage of net charge-offs (x) | 377.5000% | 379 |
Efficiency ratio | 59.3868% | 3,034 |
Assets per employee ($millions) | 5.0978% | 3,507 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0493% | 3,197 |
Loan loss allowance to noncurrent loans | 484.3066% | 1,589 |
Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,755 |
Noncurrent loans to loans | 0.2167% | 2,401 |
Net loans and leases to total assets | 51.1400% | 3,474 |
Net loans and leases to deposits | 57.4793% | 3,562 |
Net loans and leases to core deposits | 64.4681% | 3,418 |
Total domestic deposits to total assets | 88.9700% | 1,270 |
Equity capital to assets | 7.3639% | 3,599 |
Core capital (leverage) ratio | 10.3270% | 2,453 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.8221% | 985 |
Memoranda: | ||
Average total assets | $249,702,667 | 2,694 |
Average earning assets | $232,729,333 | 2,689 |
Average equity | $16,482,667 | 3,146 |
Average total loans | $125,553,000 | 2,891 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6330% | 2,006 |
Cost of funding earning assets | 0.6174% | 3,329 |
Net interest margin | 4.0156% | 1,235 |
Noninterest income to average assets | 0.6200% | 1,354 |
Noninterest expense to average assets | 2.5931% | 1,970 |
Loan and lease loss provision to assets | 0.0600% | 1,589 |
Net operating income to assets | 1.7161% | 797 |
Return on assets (ROA) | 1.7161% | 789 |
Pretax return on assets | 1.7161% | 1,243 |
Return on Equity (ROE) | 27.5400% | 310 |
Retained earnings to average equity (ytd only) | 27.5414% | 140 |
Net charge-offs to loans | 0.0352% | 1,026 |
Credit loss provision to net charge-offs | 318.1818% | 672 |
Earnings coverage of net charge-offs (x) | 101.5455% | 787 |
Efficiency ratio | 59.4113% | 3,035 |
Assets per employee ($millions) | 5.4474% | 3,272 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0221% | 3,421 |
Loan loss allowance to noncurrent loans | 5,366.6667% | 277 |
Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,775 |
Noncurrent loans to loans | 0.0190% | 3,645 |
Net loans and leases to total assets | 49.7700% | 3,512 |
Net loans and leases to deposits | 55.5322% | 3,596 |
Net loans and leases to core deposits | 60.9541% | 3,500 |
Total domestic deposits to total assets | 89.6300% | 1,289 |
Equity capital to assets | 6.7730% | 3,925 |
Core capital (leverage) ratio | 9.8477% | 2,840 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.3429% | 802 |
Memoranda: | ||
Average total assets | $252,207,000 | 2,717 |
Average earning assets | $235,183,500 | 2,705 |
Average equity | $15,714,500 | 3,240 |
Average total loans | $125,095,500 | 2,930 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9386% | 1,889 |
Cost of funding earning assets | 0.2957% | 2,914 |
Net interest margin | 3.6429% | 1,513 |
Noninterest income to average assets | 0.6300% | 1,531 |
Noninterest expense to average assets | 2.5028% | 2,105 |
Loan and lease loss provision to assets | 0.0400% | 2,129 |
Net operating income to assets | 1.5080% | 866 |
Return on assets (ROA) | 1.5080% | 835 |
Pretax return on assets | 1.5080% | 1,431 |
Return on Equity (ROE) | 23.8900% | 249 |
Retained earnings to average equity (ytd only) | 23.8874% | 54 |
Net charge-offs to loans | 0.0211% | 1,659 |
Credit loss provision to net charge-offs | 432.0000% | 744 |
Earnings coverage of net charge-offs (x) | 155.1200% | 771 |
Efficiency ratio | 61.7366% | 2,801 |
Assets per employee ($millions) | 5.5181% | 3,198 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0171% | 3,272 |
Loan loss allowance to noncurrent loans | 3,007.1429% | 448 |
Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,686 |
Noncurrent loans to loans | 0.0338% | 3,538 |
Net loans and leases to total assets | 48.4200% | 3,645 |
Net loans and leases to deposits | 53.3742% | 3,713 |
Net loans and leases to core deposits | 57.5233% | 3,643 |
Total domestic deposits to total assets | 90.7300% | 1,049 |
Equity capital to assets | 5.6955% | 4,183 |
Core capital (leverage) ratio | 9.5644% | 3,069 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.7285% | 1,181 |
Memoranda: | ||
Average total assets | $249,996,200 | 2,734 |
Average earning assets | $234,729,400 | 2,706 |
Average equity | $15,782,400 | 3,296 |
Average total loans | $118,566,200 | 2,937 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7459% | 1,903 |
Cost of funding earning assets | 0.2675% | 2,513 |
Net interest margin | 3.4784% | 1,726 |
Noninterest income to average assets | 0.6300% | 1,585 |
Noninterest expense to average assets | 2.4997% | 2,019 |
Loan and lease loss provision to assets | 0.0400% | 1,932 |
Net operating income to assets | 1.3604% | 1,192 |
Return on assets (ROA) | 1.3604% | 1,163 |
Pretax return on assets | 1.3604% | 1,849 |
Return on Equity (ROE) | 21.0200% | 356 |
Retained earnings to average equity (ytd only) | 21.0250% | 83 |
Net charge-offs to loans | 0.0262% | 1,299 |
Credit loss provision to net charge-offs | 321.7391% | 784 |
Earnings coverage of net charge-offs (x) | 113.6957% | 875 |
Efficiency ratio | 64.0994% | 2,540 |
Assets per employee ($millions) | 5.9683% | 2,792 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0313% | 3,341 |
Loan loss allowance to noncurrent loans | 3,850.0000% | 338 |
Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,847 |
Noncurrent loans to loans | 0.0268% | 3,709 |
Net loans and leases to total assets | 46.0700% | 3,753 |
Net loans and leases to deposits | 50.3760% | 3,832 |
Net loans and leases to core deposits | 52.5480% | 3,830 |
Total domestic deposits to total assets | 91.4500% | 1,067 |
Equity capital to assets | 4.9069% | 4,312 |
Core capital (leverage) ratio | 8.5984% | 3,976 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.4549% | 1,094 |
Memoranda: | ||
Average total assets | $249,037,250 | 2,753 |
Average earning assets | $234,274,750 | 2,728 |
Average equity | $16,113,750 | 3,306 |
Average total loans | $117,162,750 | 2,961 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5918% | 1,871 |
Cost of funding earning assets | 0.2713% | 2,009 |
Net interest margin | 3.3205% | 1,849 |
Noninterest income to average assets | 0.6045% | 1,722 |
Noninterest expense to average assets | 2.4981% | 1,936 |
Loan and lease loss provision to assets | 0.0316% | 2,023 |
Net operating income to assets | 1.2024% | 1,418 |
Return on assets (ROA) | 1.2024% | 1,403 |
Pretax return on assets | 1.2024% | 2,072 |
Return on Equity (ROE) | 17.1455% | 551 |
Retained earnings to average equity (ytd only) | 17.1455% | 144 |
Net charge-offs to loans | 0.0275% | 1,172 |
Credit loss provision to net charge-offs | 243.7500% | 880 |
Earnings coverage of net charge-offs (x) | 95.0625% | 841 |
Efficiency ratio | 66.9348% | 2,390 |
Assets per employee ($millions) | 5.9209% | 2,819 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0234% | 3,498 |
Loan loss allowance to noncurrent loans | 4,148.2759% | 299 |
Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,911 |
Noncurrent loans to loans | 0.0247% | 3,777 |
Net loans and leases to total assets | 46.7876% | 3,655 |
Net loans and leases to deposits | 51.6817% | 3,709 |
Net loans and leases to core deposits | 53.7259% | 3,707 |
Total domestic deposits to total assets | 90.5304% | 1,450 |
Equity capital to assets | 5.6688% | 4,313 |
Core capital (leverage) ratio | 8.6809% | 3,777 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6076% | 1,538 |
Memoranda: | ||
Average total assets | $246,504,000 | 2,792 |
Average earning assets | $232,192,333 | 2,778 |
Average equity | $17,287,333 | 3,296 |
Average total loans | $116,395,667 | 2,983 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5341% | 1,688 |
Cost of funding earning assets | 0.2747% | 1,883 |
Net interest margin | 3.2595% | 1,685 |
Noninterest income to average assets | 0.5656% | 1,845 |
Noninterest expense to average assets | 2.5247% | 1,821 |
Loan and lease loss provision to assets | 0.0065% | 2,191 |
Net operating income to assets | 1.0904% | 1,550 |
Return on assets (ROA) | 1.0904% | 1,551 |
Pretax return on assets | 1.0904% | 2,173 |
Return on Equity (ROE) | 14.1719% | 805 |
Retained earnings to average equity (ytd only) | 14.1719% | 366 |
Net charge-offs to loans | 0.0138% | 1,269 |
Credit loss provision to net charge-offs | 100.0000% | 1,010 |
Earnings coverage of net charge-offs (x) | 168.2500% | 489 |
Efficiency ratio | 69.7120% | 2,271 |
Assets per employee ($millions) | 5.6072% | 3,226 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0116% | 3,673 |
Loan loss allowance to noncurrent loans | 3,371.4286% | 360 |
Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,920 |
Noncurrent loans to loans | 0.0300% | 3,777 |
Net loans and leases to total assets | 46.7994% | 3,506 |
Net loans and leases to deposits | 52.3768% | 3,541 |
Net loans and leases to core deposits | 54.6501% | 3,550 |
Total domestic deposits to total assets | 89.3514% | 1,901 |
Equity capital to assets | 6.7640% | 4,313 |
Core capital (leverage) ratio | 8.6427% | 3,719 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2872% | 1,698 |
Memoranda: | ||
Average total assets | $245,416,500 | 2,809 |
Average earning assets | $230,098,000 | 2,804 |
Average equity | $18,882,500 | 3,244 |
Average total loans | $115,816,500 | 2,985 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7757% | 375 |
Cost of funding earning assets | 0.3674% | 1,782 |
Net interest margin | 4.4083% | 325 |
Noninterest income to average assets | 0.6367% | 2,003 |
Noninterest expense to average assets | 2.7520% | 1,480 |
Loan and lease loss provision to assets | 0.0085% | 2,911 |
Net operating income to assets | 2.0073% | 334 |
Return on assets (ROA) | 2.0073% | 352 |
Pretax return on assets | 2.0073% | 592 |
Return on Equity (ROE) | 22.9590% | 176 |
Retained earnings to average equity (ytd only) | 17.0250% | 121 |
Net charge-offs to loans | -0.0372% | 4,194 |
Credit loss provision to net charge-offs | -45.0000% | 3,247 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7208% | 3,485 |
Assets per employee ($millions) | 5.3069% | 3,467 |
Cash dividends to net income (ytd only)* | 25.8459% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0262% | 3,638 |
Loan loss allowance to noncurrent loans | 3,189.1892% | 375 |
Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,984 |
Noncurrent loans to loans | 0.0322% | 3,841 |
Net loans and leases to total assets | 46.6217% | 3,644 |
Net loans and leases to deposits | 53.3317% | 3,641 |
Net loans and leases to core deposits | 55.7263% | 3,641 |
Total domestic deposits to total assets | 87.4183% | 2,327 |
Equity capital to assets | 8.6340% | 3,955 |
Core capital (leverage) ratio | 8.7034% | 3,718 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.7007% | 1,339 |
Memoranda: | ||
Average total assets | $212,026,600 | 2,969 |
Average earning assets | $198,695,400 | 2,962 |
Average equity | $18,537,400 | 3,344 |
Average total loans | $107,657,800 | 3,111 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2237% | 217 |
Cost of funding earning assets | 0.3936% | 1,749 |
Net interest margin | 4.8301% | 193 |
Noninterest income to average assets | 0.6398% | 2,055 |
Noninterest expense to average assets | 2.8312% | 1,272 |
Loan and lease loss provision to assets | 0.0093% | 2,805 |
Net operating income to assets | 2.3228% | 267 |
Return on assets (ROA) | 2.3228% | 274 |
Pretax return on assets | 2.3228% | 448 |
Return on Equity (ROE) | 26.4686% | 139 |
Retained earnings to average equity (ytd only) | 18.2763% | 187 |
Net charge-offs to loans | -0.0504% | 4,358 |
Credit loss provision to net charge-offs | -35.0000% | 3,113 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8354% | 3,688 |
Assets per employee ($millions) | 4.7772% | 3,906 |
Cash dividends to net income (ytd only)* | 30.9510% | 2,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1107% | 3,391 |
Loan loss allowance to noncurrent loans | 156.1008% | 2,860 |
Noncurrent assets plus other real estate owned to assets | 0.3358% | 2,106 |
Noncurrent loans to loans | 0.7116% | 1,562 |
Net loans and leases to total assets | 46.6699% | 3,742 |
Net loans and leases to deposits | 53.4286% | 3,784 |
Net loans and leases to core deposits | 55.8995% | 3,778 |
Total domestic deposits to total assets | 87.3500% | 2,188 |
Equity capital to assets | 8.2470% | 4,388 |
Core capital (leverage) ratio | 7.9329% | 4,496 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.5815% | 1,771 |
Memoranda: | ||
Average total assets | $204,004,250 | 3,071 |
Average earning assets | $191,048,500 | 3,052 |
Average equity | $17,902,500 | 3,435 |
Average total loans | $105,824,500 | 3,168 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1066% | 88 |
Cost of funding earning assets | 0.4139% | 1,769 |
Net interest margin | 5.6927% | 78 |
Noninterest income to average assets | 0.6340% | 2,073 |
Noninterest expense to average assets | 2.9681% | 1,035 |
Loan and lease loss provision to assets | 0.0091% | 2,742 |
Net operating income to assets | 2.9722% | 135 |
Return on assets (ROA) | 2.9722% | 141 |
Pretax return on assets | 2.9722% | 194 |
Return on Equity (ROE) | 33.1117% | 73 |
Retained earnings to average equity (ytd only) | 21.0988% | 129 |
Net charge-offs to loans | -0.0794% | 4,544 |
Credit loss provision to net charge-offs | -21.4286% | 2,928 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.8892% | 4,246 |
Assets per employee ($millions) | 4.5806% | 4,038 |
Cash dividends to net income (ytd only)* | 36.2799% | 1,769 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0587% | 3,591 |
Loan loss allowance to noncurrent loans | 3,172.9730% | 294 |
Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,167 |
Noncurrent loans to loans | 0.0334% | 4,032 |
Net loans and leases to total assets | 50.9645% | 3,453 |
Net loans and leases to deposits | 58.7162% | 3,479 |
Net loans and leases to core deposits | 61.8437% | 3,474 |
Total domestic deposits to total assets | 86.7981% | 2,427 |
Equity capital to assets | 8.4901% | 4,213 |
Core capital (leverage) ratio | 8.1887% | 4,270 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4045% | 1,500 |
Memoranda: | ||
Average total assets | $197,162,333 | 3,125 |
Average earning assets | $184,096,000 | 3,109 |
Average equity | $17,697,667 | 3,455 |
Average total loans | $105,777,667 | 3,183 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3433% | 40 |
Cost of funding earning assets | 0.4362% | 1,826 |
Net interest margin | 6.9070% | 36 |
Noninterest income to average assets | 0.6061% | 2,178 |
Noninterest expense to average assets | 3.0431% | 924 |
Loan and lease loss provision to assets | 0.0085% | 2,662 |
Net operating income to assets | 4.0191% | 79 |
Return on assets (ROA) | 4.0191% | 81 |
Pretax return on assets | 4.0191% | 103 |
Return on Equity (ROE) | 43.4296% | 51 |
Retained earnings to average equity (ytd only) | 36.9496% | 46 |
Net charge-offs to loans | -0.0388% | 4,294 |
Credit loss provision to net charge-offs | -40.0000% | 2,742 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.0376% | 4,632 |
Assets per employee ($millions) | 4.2120% | 4,335 |
Cash dividends to net income (ytd only)* | 14.9206% | 2,151 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0187% | 3,771 |
Loan loss allowance to noncurrent loans | 649.7143% | 951 |
Noncurrent assets plus other real estate owned to assets | 0.0884% | 3,748 |
Noncurrent loans to loans | 0.1568% | 3,546 |
Net loans and leases to total assets | 55.8049% | 3,066 |
Net loans and leases to deposits | 65.0618% | 3,018 |
Net loans and leases to core deposits | 68.5946% | 3,012 |
Total domestic deposits to total assets | 85.7721% | 2,823 |
Equity capital to assets | 9.0744% | 3,612 |
Core capital (leverage) ratio | 8.9207% | 3,691 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5557% | 2,059 |
Memoranda: | ||
Average total assets | $188,100,000 | 3,182 |
Average earning assets | $176,052,500 | 3,157 |
Average equity | $17,407,500 | 3,475 |
Average total loans | $103,219,500 | 3,216 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6851% | 920 |
Cost of funding earning assets | 0.6291% | 2,126 |
Net interest margin | 4.0560% | 861 |
Noninterest income to average assets | 0.6724% | 1,946 |
Noninterest expense to average assets | 2.7395% | 2,117 |
Loan and lease loss provision to assets | 0.0107% | 4,228 |
Net operating income to assets | 1.7188% | 474 |
Return on assets (ROA) | 1.7188% | 515 |
Pretax return on assets | 1.7188% | 821 |
Return on Equity (ROE) | 18.1936% | 322 |
Retained earnings to average equity (ytd only) | 6.8708% | 1,441 |
Net charge-offs to loans | 0.0677% | 1,817 |
Credit loss provision to net charge-offs | 27.6923% | 3,226 |
Earnings coverage of net charge-offs (x) | 44.6000% | 1,301 |
Efficiency ratio | 61.3002% | 3,262 |
Assets per employee ($millions) | 4.5702% | 3,846 |
Cash dividends to net income (ytd only)* | 62.2353% | 1,259 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1842% | 3,034 |
Loan loss allowance to noncurrent loans | 774.4828% | 818 |
Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,925 |
Noncurrent loans to loans | 0.1529% | 3,673 |
Net loans and leases to total assets | 52.5738% | 3,626 |
Net loans and leases to deposits | 62.0483% | 3,605 |
Net loans and leases to core deposits | 66.0967% | 3,532 |
Total domestic deposits to total assets | 84.7304% | 2,862 |
Equity capital to assets | 9.4543% | 3,657 |
Core capital (leverage) ratio | 8.5307% | 4,178 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8856% | 1,570 |
Memoranda: | ||
Average total assets | $167,621,000 | 3,218 |
Average earning assets | $156,903,000 | 3,197 |
Average equity | $15,835,200 | 3,575 |
Average total loans | $96,040,800 | 3,297 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8848% | 755 |
Cost of funding earning assets | 0.6638% | 2,238 |
Net interest margin | 4.2210% | 700 |
Noninterest income to average assets | 0.6700% | 1,904 |
Noninterest expense to average assets | 2.7568% | 2,101 |
Loan and lease loss provision to assets | 0.0103% | 4,172 |
Net operating income to assets | 1.8444% | 412 |
Return on assets (ROA) | 1.8444% | 455 |
Pretax return on assets | 1.8444% | 721 |
Return on Equity (ROE) | 19.5273% | 258 |
Retained earnings to average equity (ytd only) | 7.3762% | 1,550 |
Net charge-offs to loans | 0.0567% | 1,797 |
Credit loss provision to net charge-offs | 31.7073% | 2,947 |
Earnings coverage of net charge-offs (x) | 55.9756% | 1,131 |
Efficiency ratio | 59.7792% | 3,416 |
Assets per employee ($millions) | 4.5336% | 3,805 |
Cash dividends to net income (ytd only)* | 62.2261% | 1,049 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0629% | 3,399 |
Loan loss allowance to noncurrent loans | 5,710.0000% | 151 |
Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,443 |
Noncurrent loans to loans | 0.0186% | 4,348 |
Net loans and leases to total assets | 60.1207% | 3,220 |
Net loans and leases to deposits | 71.5218% | 3,180 |
Net loans and leases to core deposits | 76.2559% | 3,148 |
Total domestic deposits to total assets | 84.0592% | 2,799 |
Equity capital to assets | 9.4112% | 3,760 |
Core capital (leverage) ratio | 8.4104% | 4,376 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.9096% | 1,529 |
Memoranda: | ||
Average total assets | $164,967,000 | 3,217 |
Average earning assets | $154,052,500 | 3,200 |
Average equity | $15,581,250 | 3,600 |
Average total loans | $96,343,750 | 3,296 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2214% | 542 |
Cost of funding earning assets | 0.6878% | 2,461 |
Net interest margin | 4.5336% | 466 |
Noninterest income to average assets | 0.6558% | 1,914 |
Noninterest expense to average assets | 2.8344% | 2,009 |
Loan and lease loss provision to assets | 0.0112% | 4,078 |
Net operating income to assets | 2.0345% | 310 |
Return on assets (ROA) | 2.0345% | 343 |
Pretax return on assets | 2.0345% | 510 |
Return on Equity (ROE) | 21.5125% | 181 |
Retained earnings to average equity (ytd only) | 8.8651% | 1,044 |
Net charge-offs to loans | 0.0799% | 1,449 |
Credit loss provision to net charge-offs | 24.3243% | 2,722 |
Earnings coverage of net charge-offs (x) | 44.5135% | 1,176 |
Efficiency ratio | 58.0809% | 3,674 |
Assets per employee ($millions) | 4.5114% | 3,776 |
Cash dividends to net income (ytd only)* | 58.7912% | 1,278 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0887% | 3,129 |
Loan loss allowance to noncurrent loans | 464.2276% | 1,062 |
Noncurrent assets plus other real estate owned to assets | 0.1398% | 3,818 |
Noncurrent loans to loans | 0.2345% | 3,535 |
Net loans and leases to total assets | 58.9670% | 3,427 |
Net loans and leases to deposits | 69.9676% | 3,423 |
Net loans and leases to core deposits | 74.3227% | 3,434 |
Total domestic deposits to total assets | 84.2776% | 2,648 |
Equity capital to assets | 9.2574% | 3,873 |
Core capital (leverage) ratio | 8.6552% | 4,253 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2402% | 1,429 |
Memoranda: | ||
Average total assets | $161,019,000 | 3,239 |
Average earning assets | $150,035,667 | 3,218 |
Average equity | $15,228,333 | 3,634 |
Average total loans | $92,644,333 | 3,359 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6158% | 1,956 |
Cost of funding earning assets | 0.7291% | 2,784 |
Net interest margin | 3.8867% | 1,713 |
Noninterest income to average assets | 0.7372% | 1,508 |
Noninterest expense to average assets | 3.0191% | 1,844 |
Loan and lease loss provision to assets | 0.0104% | 3,641 |
Net operating income to assets | 1.3181% | 1,192 |
Return on assets (ROA) | 1.3181% | 1,287 |
Pretax return on assets | 1.3181% | 1,823 |
Return on Equity (ROE) | 13.7701% | 746 |
Retained earnings to average equity (ytd only) | 0.4354% | 3,896 |
Net charge-offs to loans | 0.0370% | 1,678 |
Credit loss provision to net charge-offs | 50.0000% | 2,057 |
Earnings coverage of net charge-offs (x) | 63.7500% | 777 |
Efficiency ratio | 69.4428% | 2,441 |
Assets per employee ($millions) | 4.0197% | 3,892 |
Cash dividends to net income (ytd only)* | 96.8379% | 785 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3377% | 1,964 |
Loan loss allowance to noncurrent loans | 647.7778% | 771 |
Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,049 |
Noncurrent loans to loans | 0.2065% | 3,742 |
Net loans and leases to total assets | 54.8552% | 3,921 |
Net loans and leases to deposits | 64.9183% | 3,928 |
Net loans and leases to core deposits | 69.3645% | 3,919 |
Total domestic deposits to total assets | 84.4988% | 2,598 |
Equity capital to assets | 9.5000% | 4,218 |
Core capital (leverage) ratio | 9.2304% | 4,250 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6815% | 1,694 |
Memoranda: | ||
Average total assets | $153,555,500 | 3,284 |
Average earning assets | $142,640,500 | 3,266 |
Average equity | $14,698,500 | 3,697 |
Average total loans | $86,520,500 | 3,471 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6466% | 2,478 |
Cost of funding earning assets | 0.7734% | 2,813 |
Net interest margin | 3.8733% | 2,266 |
Noninterest income to average assets | 0.7580% | 1,597 |
Noninterest expense to average assets | 2.7834% | 2,660 |
Loan and lease loss provision to assets | 0.0113% | 3,789 |
Net operating income to assets | 1.5605% | 917 |
Return on assets (ROA) | 1.6096% | 878 |
Pretax return on assets | 1.6096% | 1,457 |
Return on Equity (ROE) | 16.9989% | 422 |
Retained earnings to average equity (ytd only) | 0.0140% | 4,691 |
Net charge-offs to loans | 0.0382% | 2,625 |
Credit loss provision to net charge-offs | 54.8387% | 3,082 |
Earnings coverage of net charge-offs (x) | 76.4516% | 826 |
Efficiency ratio | 63.9105% | 3,084 |
Assets per employee ($millions) | 3.9564% | 3,954 |
Cash dividends to net income (ytd only)* | 99.9176% | 300 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3624% | 1,659 |
Loan loss allowance to noncurrent loans | 1,125.0000% | 526 |
Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,281 |
Noncurrent loans to loans | 0.1211% | 4,043 |
Net loans and leases to total assets | 56.3442% | 3,901 |
Net loans and leases to deposits | 67.3770% | 3,870 |
Net loans and leases to core deposits | 71.6276% | 3,879 |
Total domestic deposits to total assets | 83.6253% | 2,987 |
Equity capital to assets | 9.6473% | 4,220 |
Core capital (leverage) ratio | 9.3514% | 4,221 |
Tier 1 risk-based capital ratio | 14.6819% | 2,917 |
Total risk-based capital ratio | 15.9214% | 2,832 |
Memoranda: | ||
Average total assets | $150,786,000 | 3,289 |
Average earning assets | $140,037,000 | 3,278 |
Average equity | $14,277,400 | 3,714 |
Average total loans | $81,258,000 | 3,574 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5945% | 2,745 |
Cost of funding earning assets | 0.7803% | 2,812 |
Net interest margin | 3.8142% | 2,547 |
Noninterest income to average assets | 0.7351% | 1,643 |
Noninterest expense to average assets | 2.7568% | 2,693 |
Loan and lease loss provision to assets | 0.0124% | 3,651 |
Net operating income to assets | 1.5118% | 1,160 |
Return on assets (ROA) | 1.5772% | 1,035 |
Pretax return on assets | 1.5772% | 1,710 |
Return on Equity (ROE) | 16.7357% | 513 |
Retained earnings to average equity (ytd only) | -0.7032% | 4,834 |
Net charge-offs to loans | 0.0433% | 2,232 |
Credit loss provision to net charge-offs | 53.8462% | 2,755 |
Earnings coverage of net charge-offs (x) | 66.3380% | 995 |
Efficiency ratio | 64.3963% | 2,950 |
Assets per employee ($millions) | 4.1318% | 3,709 |
Cash dividends to net income (ytd only)* | 104.2018% | 281 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4260% | 1,480 |
Loan loss allowance to noncurrent loans | 1,542.1053% | 407 |
Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,457 |
Noncurrent loans to loans | 0.0925% | 4,235 |
Net loans and leases to total assets | 54.4673% | 4,139 |
Net loans and leases to deposits | 66.2805% | 4,043 |
Net loans and leases to core deposits | 70.3587% | 4,043 |
Total domestic deposits to total assets | 82.1770% | 3,423 |
Equity capital to assets | 9.7798% | 4,229 |
Core capital (leverage) ratio | 9.3278% | 4,347 |
Tier 1 risk-based capital ratio | 15.6086% | 2,599 |
Total risk-based capital ratio | 16.8588% | 2,537 |
Memoranda: | ||
Average total assets | $150,897,000 | 3,320 |
Average earning assets | $140,278,750 | 3,305 |
Average equity | $14,220,750 | 3,750 |
Average total loans | $80,102,750 | 3,637 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5636% | 2,788 |
Cost of funding earning assets | 0.7758% | 2,769 |
Net interest margin | 3.7878% | 2,616 |
Noninterest income to average assets | 0.7361% | 1,579 |
Noninterest expense to average assets | 2.7399% | 2,783 |
Loan and lease loss provision to assets | 0.0119% | 3,523 |
Net operating income to assets | 1.5012% | 1,145 |
Return on assets (ROA) | 1.6001% | 954 |
Pretax return on assets | 1.6001% | 1,551 |
Return on Equity (ROE) | 17.1910% | 446 |
Retained earnings to average equity (ytd only) | -0.7370% | 4,795 |
Net charge-offs to loans | 0.0630% | 1,751 |
Credit loss provision to net charge-offs | 36.0000% | 2,562 |
Earnings coverage of net charge-offs (x) | 45.8800% | 1,158 |
Efficiency ratio | 64.4231% | 3,072 |
Assets per employee ($millions) | 4.3056% | 3,424 |
Cash dividends to net income (ytd only)* | 104.2869% | 371 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4761% | 1,342 |
Loan loss allowance to noncurrent loans | 3,156.7568% | 228 |
Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,660 |
Noncurrent loans to loans | 0.0468% | 4,479 |
Net loans and leases to total assets | 51.7320% | 4,368 |
Net loans and leases to deposits | 64.4340% | 4,201 |
Net loans and leases to core deposits | 68.6063% | 4,182 |
Total domestic deposits to total assets | 80.2868% | 3,974 |
Equity capital to assets | 9.5716% | 4,335 |
Core capital (leverage) ratio | 9.1848% | 4,479 |
Tier 1 risk-based capital ratio | 15.8707% | 2,466 |
Total risk-based capital ratio | 17.1215% | 2,408 |
Memoranda: | ||
Average total assets | $151,614,000 | 3,332 |
Average earning assets | $140,766,330 | 3,316 |
Average equity | $14,112,000 | 3,770 |
Average total loans | $79,407,000 | 3,668 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5003% | 2,862 |
Cost of funding earning assets | 0.7477% | 2,800 |
Net interest margin | 3.7526% | 2,703 |
Noninterest income to average assets | 0.7076% | 1,583 |
Noninterest expense to average assets | 2.6724% | 2,988 |
Loan and lease loss provision to assets | 0.0132% | 3,265 |
Net operating income to assets | 1.5072% | 1,099 |
Return on assets (ROA) | 1.5072% | 1,127 |
Pretax return on assets | 1.5072% | 1,739 |
Return on Equity (ROE) | 16.4230% | 542 |
Retained earnings to average equity (ytd only) | -3.4394% | 4,837 |
Net charge-offs to loans | 0.1659% | 818 |
Credit loss provision to net charge-offs | 15.1515% | 2,162 |
Earnings coverage of net charge-offs (x) | 17.5152% | 1,654 |
Efficiency ratio | 63.7390% | 3,280 |
Assets per employee ($millions) | 4.3179% | 3,465 |
Cash dividends to net income (ytd only)* | 120.9424% | 464 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4774% | 1,400 |
Loan loss allowance to noncurrent loans | 448.0620% | 1,143 |
Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,967 |
Noncurrent loans to loans | 0.3297% | 3,388 |
Net loans and leases to total assets | 51.0097% | 4,406 |
Net loans and leases to deposits | 63.3339% | 4,231 |
Net loans and leases to core deposits | 68.0106% | 4,177 |
Total domestic deposits to total assets | 80.5410% | 4,065 |
Equity capital to assets | 9.3298% | 4,405 |
Core capital (leverage) ratio | 9.0221% | 4,639 |
Tier 1 risk-based capital ratio | 15.5651% | 2,622 |
Total risk-based capital ratio | 16.8149% | 2,542 |
Memoranda: | ||
Average total assets | $152,073,000 | 3,363 |
Average earning assets | $141,235,500 | 3,353 |
Average equity | $13,956,000 | 3,807 |
Average total loans | $79,547,500 | 3,701 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3182% | 3,050 |
Cost of funding earning assets | 0.5493% | 3,053 |
Net interest margin | 3.7690% | 2,786 |
Noninterest income to average assets | 0.7519% | 1,635 |
Noninterest expense to average assets | 2.6587% | 3,158 |
Loan and lease loss provision to assets | 0.0119% | 3,901 |
Net operating income to assets | 1.5950% | 879 |
Return on assets (ROA) | 1.5950% | 870 |
Pretax return on assets | 1.5950% | 1,485 |
Return on Equity (ROE) | 17.7471% | 419 |
Retained earnings to average equity (ytd only) | 0.8675% | 4,752 |
Net charge-offs to loans | -0.0222% | 4,727 |
Credit loss provision to net charge-offs | -100.0000% | 4,393 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.3296% | 3,461 |
Assets per employee ($millions) | 4.3719% | 3,342 |
Cash dividends to net income (ytd only)* | 95.1118% | 345 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4645% | 1,402 |
Loan loss allowance to noncurrent loans | 8,457.1429% | 104 |
Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,861 |
Noncurrent loans to loans | 0.0173% | 4,717 |
Net loans and leases to total assets | 52.0625% | 4,405 |
Net loans and leases to deposits | 62.5849% | 4,342 |
Net loans and leases to core deposits | 66.1428% | 4,345 |
Total domestic deposits to total assets | 83.1869% | 3,266 |
Equity capital to assets | 9.0264% | 4,555 |
Core capital (leverage) ratio | 9.2626% | 4,385 |
Tier 1 risk-based capital ratio | 15.7656% | 2,505 |
Total risk-based capital ratio | 17.0160% | 2,428 |
Memoranda: | ||
Average total assets | $151,350,400 | 3,371 |
Average earning assets | $141,099,600 | 3,347 |
Average equity | $13,602,200 | 3,800 |
Average total loans | $81,109,600 | 3,646 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2526% | 3,141 |
Cost of funding earning assets | 0.5316% | 2,982 |
Net interest margin | 3.7210% | 2,940 |
Noninterest income to average assets | 0.7473% | 1,684 |
Noninterest expense to average assets | 2.6872% | 3,006 |
Loan and lease loss provision to assets | 0.0124% | 3,749 |
Net operating income to assets | 1.5229% | 1,142 |
Return on assets (ROA) | 1.5229% | 1,138 |
Pretax return on assets | 1.5229% | 1,826 |
Return on Equity (ROE) | 16.9642% | 544 |
Retained earnings to average equity (ytd only) | 0.5609% | 4,942 |
Net charge-offs to loans | -0.0411% | 4,863 |
Credit loss provision to net charge-offs | -56.0000% | 4,172 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.6402% | 3,246 |
Assets per employee ($millions) | 4.3069% | 3,414 |
Cash dividends to net income (ytd only)* | 96.6937% | 298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4605% | 1,488 |
Loan loss allowance to noncurrent loans | 618.2292% | 895 |
Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,326 |
Noncurrent loans to loans | 0.2362% | 3,855 |
Net loans and leases to total assets | 53.1299% | 4,408 |
Net loans and leases to deposits | 61.2846% | 4,480 |
Net loans and leases to core deposits | 64.6528% | 4,480 |
Total domestic deposits to total assets | 86.6936% | 1,870 |
Equity capital to assets | 8.9273% | 4,613 |
Core capital (leverage) ratio | 9.2399% | 4,474 |
Tier 1 risk-based capital ratio | 15.8642% | 2,495 |
Total risk-based capital ratio | 17.1153% | 2,432 |
Memoranda: | ||
Average total assets | $150,933,500 | 3,411 |
Average earning assets | $140,961,750 | 3,383 |
Average equity | $13,549,750 | 3,834 |
Average total loans | $81,174,750 | 3,672 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1561% | 3,258 |
Cost of funding earning assets | 0.5277% | 2,776 |
Net interest margin | 3.6285% | 3,206 |
Noninterest income to average assets | 0.7364% | 1,704 |
Noninterest expense to average assets | 2.6649% | 3,118 |
Loan and lease loss provision to assets | 0.0119% | 3,619 |
Net operating income to assets | 1.4477% | 1,287 |
Return on assets (ROA) | 1.4477% | 1,287 |
Pretax return on assets | 1.4477% | 1,994 |
Return on Equity (ROE) | 16.0964% | 655 |
Retained earnings to average equity (ytd only) | -0.3534% | 5,004 |
Net charge-offs to loans | 0.0394% | 2,066 |
Credit loss provision to net charge-offs | 56.2500% | 2,454 |
Earnings coverage of net charge-offs (x) | 68.8750% | 922 |
Efficiency ratio | 64.6114% | 3,229 |
Assets per employee ($millions) | 4.2935% | 3,431 |
Cash dividends to net income (ytd only)* | 102.1958% | 357 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4247% | 1,665 |
Loan loss allowance to noncurrent loans | 1,756.9231% | 369 |
Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,808 |
Noncurrent loans to loans | 0.0811% | 4,547 |
Net loans and leases to total assets | 52.5800% | 4,442 |
Net loans and leases to deposits | 60.9081% | 4,484 |
Net loans and leases to core deposits | 64.2722% | 4,477 |
Total domestic deposits to total assets | 86.3268% | 2,128 |
Equity capital to assets | 8.9764% | 4,583 |
Core capital (leverage) ratio | 9.2270% | 4,439 |
Tier 1 risk-based capital ratio | 15.8747% | 2,479 |
Total risk-based capital ratio | 17.1246% | 2,428 |
Memoranda: | ||
Average total assets | $150,998,000 | 3,423 |
Average earning assets | $140,996,670 | 3,397 |
Average equity | $13,580,670 | 3,858 |
Average total loans | $81,141,330 | 3,694 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1650% | 3,010 |
Cost of funding earning assets | 0.5192% | 2,645 |
Net interest margin | 3.6458% | 3,005 |
Noninterest income to average assets | 0.7162% | 1,760 |
Noninterest expense to average assets | 2.6770% | 3,106 |
Loan and lease loss provision to assets | 0.0132% | 3,362 |
Net operating income to assets | 1.4403% | 1,223 |
Return on assets (ROA) | 1.4403% | 1,228 |
Pretax return on assets | 1.4403% | 1,864 |
Return on Equity (ROE) | 15.9982% | 620 |
Retained earnings to average equity (ytd only) | -0.7045% | 4,882 |
Net charge-offs to loans | 0.0098% | 2,399 |
Credit loss provision to net charge-offs | 250.0000% | 905 |
Earnings coverage of net charge-offs (x) | 275.0000% | 249 |
Efficiency ratio | 64.8113% | 3,352 |
Assets per employee ($millions) | 4.3810% | 3,354 |
Cash dividends to net income (ytd only)* | 104.4037% | 549 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4271% | 1,735 |
Loan loss allowance to noncurrent loans | 5,755.0000% | 146 |
Noncurrent assets plus other real estate owned to assets | 0.0134% | 5,059 |
Noncurrent loans to loans | 0.0248% | 4,868 |
Net loans and leases to total assets | 53.3742% | 4,339 |
Net loans and leases to deposits | 61.9689% | 4,343 |
Net loans and leases to core deposits | 72.0900% | 3,948 |
Total domestic deposits to total assets | 86.1306% | 2,489 |
Equity capital to assets | 9.0813% | 4,474 |
Core capital (leverage) ratio | 9.2873% | 4,340 |
Tier 1 risk-based capital ratio | 15.7434% | 2,573 |
Total risk-based capital ratio | 16.9934% | 2,527 |
Memoranda: | ||
Average total assets | $151,361,000 | 3,450 |
Average earning assets | $141,753,000 | 3,430 |
Average equity | $13,626,500 | 3,884 |
Average total loans | $81,634,500 | 3,717 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3749% | 2,098 |
Cost of funding earning assets | 0.5179% | 2,195 |
Net interest margin | 3.8570% | 2,232 |
Noninterest income to average assets | 0.7523% | 1,764 |
Noninterest expense to average assets | 2.8012% | 2,775 |
Loan and lease loss provision to assets | 0.0465% | 3,302 |
Net operating income to assets | 1.4985% | 806 |
Return on assets (ROA) | 1.4985% | 824 |
Pretax return on assets | 1.4985% | 1,647 |
Return on Equity (ROE) | 15.9646% | 490 |
Retained earnings to average equity (ytd only) | 0.4668% | 4,849 |
Net charge-offs to loans | 0.0220% | 3,365 |
Credit loss provision to net charge-offs | 357.8947% | 824 |
Earnings coverage of net charge-offs (x) | 118.7895% | 570 |
Efficiency ratio | 64.4511% | 3,539 |
Assets per employee ($millions) | 4.6596% | 2,939 |
Cash dividends to net income (ytd only)* | 97.0763% | 407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3896% | 1,808 |
Loan loss allowance to noncurrent loans | 4,592.0000% | 197 |
Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,077 |
Noncurrent loans to loans | 0.0303% | 4,875 |
Net loans and leases to total assets | 52.9805% | 4,445 |
Net loans and leases to deposits | 61.3535% | 4,489 |
Net loans and leases to core deposits | 70.9550% | 4,111 |
Total domestic deposits to total assets | 86.3528% | 2,291 |
Equity capital to assets | 8.9264% | 4,790 |
Core capital (leverage) ratio | 9.1718% | 4,430 |
Tier 1 risk-based capital ratio | 15.7532% | 2,531 |
Total risk-based capital ratio | 17.0030% | 2,474 |
Memoranda: | ||
Average total assets | $146,082,600 | 3,521 |
Average earning assets | $136,116,800 | 3,505 |
Average equity | $13,711,600 | 3,883 |
Average total loans | $86,557,200 | 3,598 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4366% | 1,839 |
Cost of funding earning assets | 0.5167% | 2,136 |
Net interest margin | 3.9199% | 1,969 |
Noninterest income to average assets | 0.7575% | 1,746 |
Noninterest expense to average assets | 2.8467% | 2,572 |
Loan and lease loss provision to assets | 0.0592% | 2,896 |
Net operating income to assets | 1.5001% | 896 |
Return on assets (ROA) | 1.5001% | 921 |
Pretax return on assets | 1.5001% | 1,767 |
Return on Equity (ROE) | 15.7763% | 550 |
Retained earnings to average equity (ytd only) | 0.7587% | 5,044 |
Net charge-offs to loans | 0.0122% | 3,302 |
Credit loss provision to net charge-offs | 800.0000% | 432 |
Earnings coverage of net charge-offs (x) | 210.6785% | 407 |
Efficiency ratio | 64.6096% | 3,433 |
Assets per employee ($millions) | 4.5055% | 3,132 |
Cash dividends to net income (ytd only)* | 95.1915% | 368 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3267% | 2,229 |
Loan loss allowance to noncurrent loans | 5,775.0000% | 143 |
Noncurrent assets plus other real estate owned to assets | 0.0135% | 5,192 |
Noncurrent loans to loans | 0.0230% | 5,021 |
Net loans and leases to total assets | 57.7759% | 4,083 |
Net loans and leases to deposits | 67.8298% | 4,125 |
Net loans and leases to core deposits | 75.9699% | 3,802 |
Total domestic deposits to total assets | 85.1779% | 2,647 |
Equity capital to assets | 9.3252% | 4,627 |
Core capital (leverage) ratio | 9.4185% | 4,267 |
Tier 1 risk-based capital ratio | 14.9845% | 2,925 |
Total risk-based capital ratio | 16.2343% | 2,854 |
Memoranda: | ||
Average total assets | $144,161,250 | 3,577 |
Average earning assets | $134,183,500 | 3,574 |
Average equity | $13,708,000 | 3,924 |
Average total loans | $87,542,750 | 3,607 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4290% | 1,727 |
Cost of funding earning assets | 0.5161% | 2,050 |
Net interest margin | 3.9129% | 1,881 |
Noninterest income to average assets | 0.7346% | 1,840 |
Noninterest expense to average assets | 2.9077% | 2,400 |
Loan and lease loss provision to assets | 0.0715% | 2,541 |
Net operating income to assets | 1.3908% | 1,094 |
Return on assets (ROA) | 1.3908% | 1,117 |
Pretax return on assets | 1.3908% | 2,059 |
Return on Equity (ROE) | 14.5288% | 732 |
Retained earnings to average equity (ytd only) | -0.7177% | 5,192 |
Net charge-offs to loans | -0.0160% | 4,687 |
Credit loss provision to net charge-offs | -728.5714% | 4,755 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5383% | 3,255 |
Assets per employee ($millions) | 4.0501% | 3,873 |
Cash dividends to net income (ytd only)* | 104.9395% | 428 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3339% | 2,257 |
Loan loss allowance to noncurrent loans | 521.1712% | 990 |
Noncurrent assets plus other real estate owned to assets | 0.1566% | 4,556 |
Noncurrent loans to loans | 0.2560% | 4,124 |
Net loans and leases to total assets | 60.3716% | 3,811 |
Net loans and leases to deposits | 72.0184% | 3,737 |
Net loans and leases to core deposits | 80.8988% | 3,353 |
Total domestic deposits to total assets | 83.8281% | 3,273 |
Equity capital to assets | 9.7092% | 4,219 |
Core capital (leverage) ratio | 9.6082% | 4,014 |
Tier 1 risk-based capital ratio | 14.9664% | 2,944 |
Total risk-based capital ratio | 16.2163% | 2,874 |
Memoranda: | ||
Average total assets | $142,654,000 | 3,621 |
Average earning assets | $132,536,000 | 3,614 |
Average equity | $13,655,670 | 3,941 |
Average total loans | $87,704,330 | 3,623 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4107% | 1,617 |
Cost of funding earning assets | 0.5329% | 1,842 |
Net interest margin | 3.8778% | 1,862 |
Noninterest income to average assets | 0.7267% | 1,846 |
Noninterest expense to average assets | 2.8594% | 2,581 |
Loan and lease loss provision to assets | 0.0978% | 1,930 |
Net operating income to assets | 1.3696% | 1,060 |
Return on assets (ROA) | 1.3696% | 1,097 |
Pretax return on assets | 1.3696% | 1,988 |
Return on Equity (ROE) | 14.4096% | 737 |
Retained earnings to average equity (ytd only) | -1.7939% | 5,152 |
Net charge-offs to loans | -0.0181% | 4,692 |
Credit loss provision to net charge-offs | -875.0000% | 4,377 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0853% | 3,482 |
Assets per employee ($millions) | 4.0431% | 3,935 |
Cash dividends to net income (ytd only)* | 112.4490% | 595 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2963% | 2,555 |
Loan loss allowance to noncurrent loans | 3,448.4848% | 219 |
Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,238 |
Noncurrent loans to loans | 0.0376% | 5,050 |
Net loans and leases to total assets | 61.2336% | 3,630 |
Net loans and leases to deposits | 73.0320% | 3,510 |
Net loans and leases to core deposits | 82.2365% | 3,073 |
Total domestic deposits to total assets | 83.8448% | 3,536 |
Equity capital to assets | 9.6277% | 4,155 |
Core capital (leverage) ratio | 9.5352% | 4,076 |
Tier 1 risk-based capital ratio | 14.7591% | 3,093 |
Total risk-based capital ratio | 15.9928% | 3,018 |
Memoranda: | ||
Average total assets | $143,105,000 | 3,644 |
Average earning assets | $132,858,000 | 3,640 |
Average equity | $13,602,000 | 3,977 |
Average total loans | $88,189,000 | 3,640 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3748% | 1,898 |
Cost of funding earning assets | 0.5092% | 2,022 |
Net interest margin | 3.8656% | 2,081 |
Noninterest income to average assets | 0.7729% | 1,866 |
Noninterest expense to average assets | 2.7439% | 3,212 |
Loan and lease loss provision to assets | 0.1360% | 1,839 |
Net operating income to assets | 1.4709% | 883 |
Return on assets (ROA) | 1.4709% | 907 |
Pretax return on assets | 1.4709% | 1,676 |
Return on Equity (ROE) | 15.5368% | 557 |
Retained earnings to average equity (ytd only) | 1.2264% | 4,798 |
Net charge-offs to loans | 0.0999% | 2,281 |
Credit loss provision to net charge-offs | 232.9412% | 1,238 |
Earnings coverage of net charge-offs (x) | 27.5176% | 1,511 |
Efficiency ratio | 63.0665% | 4,093 |
Assets per employee ($millions) | 4.1343% | 3,730 |
Cash dividends to net income (ytd only)* | 92.1065% | 531 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2406% | 2,874 |
Loan loss allowance to noncurrent loans | 261.6667% | 1,832 |
Noncurrent assets plus other real estate owned to assets | 0.2903% | 4,117 |
Noncurrent loans to loans | 0.4741% | 3,451 |
Net loans and leases to total assets | 60.4626% | 3,795 |
Net loans and leases to deposits | 76.6461% | 3,243 |
Net loans and leases to core deposits | 86.1529% | 2,834 |
Total domestic deposits to total assets | 78.8854% | 4,819 |
Equity capital to assets | 9.3849% | 4,387 |
Core capital (leverage) ratio | 9.4180% | 4,203 |
Tier 1 risk-based capital ratio | 14.6352% | 3,129 |
Total risk-based capital ratio | 15.8114% | 3,104 |
Memoranda: | ||
Average total assets | $145,557,200 | 3,582 |
Average earning assets | $134,727,600 | 3,578 |
Average equity | $13,780,200 | 3,968 |
Average total loans | $85,116,400 | 3,683 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3688% | 1,949 |
Cost of funding earning assets | 0.5009% | 2,096 |
Net interest margin | 3.8679% | 2,091 |
Noninterest income to average assets | 0.7848% | 1,827 |
Noninterest expense to average assets | 2.7613% | 3,140 |
Loan and lease loss provision to assets | 0.1500% | 1,562 |
Net operating income to assets | 1.4543% | 968 |
Return on assets (ROA) | 1.4543% | 1,013 |
Pretax return on assets | 1.4543% | 1,866 |
Return on Equity (ROE) | 15.3284% | 629 |
Retained earnings to average equity (ytd only) | 1.6293% | 4,860 |
Net charge-offs to loans | 0.1219% | 1,738 |
Credit loss provision to net charge-offs | 212.9870% | 1,374 |
Earnings coverage of net charge-offs (x) | 22.7801% | 1,736 |
Efficiency ratio | 63.2516% | 4,030 |
Assets per employee ($millions) | 4.0425% | 3,892 |
Cash dividends to net income (ytd only)* | 89.3710% | 547 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2600% | 2,897 |
Loan loss allowance to noncurrent loans | 192.6391% | 2,308 |
Noncurrent assets plus other real estate owned to assets | 0.3827% | 3,890 |
Noncurrent loans to loans | 0.6540% | 3,062 |
Net loans and leases to total assets | 57.7808% | 4,117 |
Net loans and leases to deposits | 74.8316% | 3,517 |
Net loans and leases to core deposits | 84.0579% | 3,113 |
Total domestic deposits to total assets | 77.2145% | 5,042 |
Equity capital to assets | 9.6495% | 4,512 |
Core capital (leverage) ratio | 9.3455% | 4,397 |
Tier 1 risk-based capital ratio | 15.0885% | 3,004 |
Total risk-based capital ratio | 16.2724% | 2,973 |
Memoranda: | ||
Average total assets | $145,771,250 | 3,596 |
Average earning assets | $134,954,000 | 3,588 |
Average equity | $13,830,250 | 3,998 |
Average total loans | $84,248,250 | 3,722 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3581% | 1,955 |
Cost of funding earning assets | 0.4908% | 2,181 |
Net interest margin | 3.8673% | 2,095 |
Noninterest income to average assets | 0.7638% | 1,871 |
Noninterest expense to average assets | 2.8070% | 3,004 |
Loan and lease loss provision to assets | 0.1769% | 1,238 |
Net operating income to assets | 1.3562% | 1,150 |
Return on assets (ROA) | 1.3562% | 1,220 |
Pretax return on assets | 1.3562% | 2,184 |
Return on Equity (ROE) | 14.3757% | 774 |
Retained earnings to average equity (ytd only) | 1.0466% | 4,972 |
Net charge-offs to loans | 0.1739% | 1,302 |
Credit loss provision to net charge-offs | 176.7123% | 1,418 |
Earnings coverage of net charge-offs (x) | 15.3151% | 2,001 |
Efficiency ratio | 64.6761% | 3,904 |
Assets per employee ($millions) | 4.0803% | 3,767 |
Cash dividends to net income (ytd only)* | 92.7199% | 631 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2400% | 3,133 |
Loan loss allowance to noncurrent loans | 3,476.6667% | 201 |
Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,516 |
Noncurrent loans to loans | 0.0357% | 5,327 |
Net loans and leases to total assets | 56.5549% | 4,246 |
Net loans and leases to deposits | 73.9465% | 3,602 |
Net loans and leases to core deposits | 82.9353% | 3,178 |
Total domestic deposits to total assets | 76.4809% | 5,225 |
Equity capital to assets | 9.5269% | 4,744 |
Core capital (leverage) ratio | 9.3066% | 4,451 |
Tier 1 risk-based capital ratio | 15.2534% | 2,956 |
Total risk-based capital ratio | 16.4250% | 2,928 |
Memoranda: | ||
Average total assets | $145,851,330 | 3,617 |
Average earning assets | $134,874,330 | 3,613 |
Average equity | $13,759,330 | 4,022 |
Average total loans | $83,943,670 | 3,746 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3616% | 1,923 |
Cost of funding earning assets | 0.4665% | 2,413 |
Net interest margin | 3.8952% | 1,949 |
Noninterest income to average assets | 0.7954% | 1,633 |
Noninterest expense to average assets | 2.8459% | 2,904 |
Loan and lease loss provision to assets | 0.2202% | 870 |
Net operating income to assets | 1.3376% | 1,160 |
Return on assets (ROA) | 1.3376% | 1,244 |
Pretax return on assets | 1.3376% | 2,143 |
Return on Equity (ROE) | 14.2501% | 795 |
Retained earnings to average equity (ytd only) | 0.1759% | 5,069 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6250% | 4,028 |
Assets per employee ($millions) | 4.0689% | 3,833 |
Cash dividends to net income (ytd only)* | 98.7654% | 727 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2520% | 3,167 |
Loan loss allowance to noncurrent loans | 334.1693% | 1,470 |
Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,690 |
Noncurrent loans to loans | 0.3746% | 4,092 |
Net loans and leases to total assets | 57.4006% | 4,102 |
Net loans and leases to deposits | 72.1205% | 3,640 |
Net loans and leases to core deposits | 81.2055% | 3,213 |
Total domestic deposits to total assets | 79.5898% | 4,838 |
Equity capital to assets | 9.3855% | 4,788 |
Core capital (leverage) ratio | 9.2672% | 4,527 |
Tier 1 risk-based capital ratio | 15.0185% | 3,150 |
Total risk-based capital ratio | 16.2034% | 3,118 |
Memoranda: | ||
Average total assets | $145,332,500 | 3,648 |
Average earning assets | $134,628,500 | 3,640 |
Average equity | $13,642,000 | 4,053 |
Average total loans | $83,857,500 | 3,761 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2047% | 2,545 |
Cost of funding earning assets | 0.4128% | 3,023 |
Net interest margin | 3.7919% | 2,403 |
Noninterest income to average assets | 0.7176% | 2,115 |
Noninterest expense to average assets | 2.5813% | 3,986 |
Loan and lease loss provision to assets | 0.0943% | 2,434 |
Net operating income to assets | 1.5872% | 726 |
Return on assets (ROA) | 1.5872% | 749 |
Pretax return on assets | 1.5872% | 1,287 |
Return on Equity (ROE) | 17.4611% | 416 |
Retained earnings to average equity (ytd only) | 4.8440% | 2,533 |
Net charge-offs to loans | -0.0063% | 5,022 |
Credit loss provision to net charge-offs | -2,740.0000% | 5,676 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.5552% | 4,829 |
Assets per employee ($millions) | 4.2407% | 3,505 |
Cash dividends to net income (ytd only)* | 72.2583% | 1,152 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1942% | 3,522 |
Loan loss allowance to noncurrent loans | 788.8000% | 729 |
Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,275 |
Noncurrent loans to loans | 0.1514% | 4,890 |
Net loans and leases to total assets | 56.5819% | 4,245 |
Net loans and leases to deposits | 69.5783% | 3,964 |
Net loans and leases to core deposits | 77.1665% | 3,654 |
Total domestic deposits to total assets | 81.3211% | 4,396 |
Equity capital to assets | 9.3880% | 4,685 |
Core capital (leverage) ratio | 9.3720% | 4,368 |
Tier 1 risk-based capital ratio | 15.2425% | 3,057 |
Total risk-based capital ratio | 16.3552% | 3,061 |
Memoranda: | ||
Average total assets | $145,353,800 | 3,641 |
Average earning assets | $135,895,400 | 3,598 |
Average equity | $13,212,200 | 4,094 |
Average total loans | $78,994,000 | 3,863 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1521% | 2,741 |
Cost of funding earning assets | 0.4092% | 3,133 |
Net interest margin | 3.7429% | 2,602 |
Noninterest income to average assets | 0.7269% | 2,123 |
Noninterest expense to average assets | 2.5312% | 4,101 |
Loan and lease loss provision to assets | 0.0952% | 2,266 |
Net operating income to assets | 1.6093% | 757 |
Return on assets (ROA) | 1.6093% | 781 |
Pretax return on assets | 1.6093% | 1,354 |
Return on Equity (ROE) | 17.8501% | 411 |
Retained earnings to average equity (ytd only) | 5.9094% | 2,303 |
Net charge-offs to loans | -0.0273% | 5,312 |
Credit loss provision to net charge-offs | -650.0000% | 5,415 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.7579% | 4,918 |
Assets per employee ($millions) | 4.2834% | 3,352 |
Cash dividends to net income (ytd only)* | 66.8942% | 1,142 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1706% | 3,815 |
Loan loss allowance to noncurrent loans | 557.2254% | 932 |
Noncurrent assets plus other real estate owned to assets | 0.1463% | 5,178 |
Noncurrent loans to loans | 0.2101% | 4,809 |
Net loans and leases to total assets | 55.8867% | 4,367 |
Net loans and leases to deposits | 68.2287% | 4,171 |
Net loans and leases to core deposits | 75.2775% | 3,876 |
Total domestic deposits to total assets | 81.9108% | 4,191 |
Equity capital to assets | 9.3021% | 5,002 |
Core capital (leverage) ratio | 9.2666% | 4,634 |
Tier 1 risk-based capital ratio | 15.7530% | 2,920 |
Total risk-based capital ratio | 16.8822% | 2,911 |
Memoranda: | ||
Average total assets | $145,646,250 | 3,669 |
Average earning assets | $136,538,750 | 3,618 |
Average equity | $13,131,250 | 4,162 |
Average total loans | $78,100,500 | 3,918 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0859% | 2,945 |
Cost of funding earning assets | 0.4102% | 3,156 |
Net interest margin | 3.6757% | 2,810 |
Noninterest income to average assets | 0.7031% | 2,205 |
Noninterest expense to average assets | 2.5239% | 4,162 |
Loan and lease loss provision to assets | 0.0906% | 2,306 |
Net operating income to assets | 1.5338% | 851 |
Return on assets (ROA) | 1.5338% | 891 |
Pretax return on assets | 1.5338% | 1,544 |
Return on Equity (ROE) | 17.1943% | 462 |
Retained earnings to average equity (ytd only) | 5.2799% | 2,688 |
Net charge-offs to loans | -0.0130% | 5,013 |
Credit loss provision to net charge-offs | -1,320.0000% | 5,409 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.8408% | 4,857 |
Assets per employee ($millions) | 4.2041% | 3,462 |
Cash dividends to net income (ytd only)* | 69.2927% | 1,239 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1764% | 3,933 |
Loan loss allowance to noncurrent loans | 378.0992% | 1,321 |
Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,077 |
Noncurrent loans to loans | 0.3111% | 4,577 |
Net loans and leases to total assets | 53.7750% | 4,578 |
Net loans and leases to deposits | 63.7908% | 4,555 |
Net loans and leases to core deposits | 70.7875% | 4,247 |
Total domestic deposits to total assets | 84.2990% | 3,447 |
Equity capital to assets | 9.1451% | 5,088 |
Core capital (leverage) ratio | 9.1033% | 4,813 |
Tier 1 risk-based capital ratio | 16.3330% | 2,697 |
Total risk-based capital ratio | 17.4644% | 2,703 |
Memoranda: | ||
Average total assets | $145,650,330 | 3,700 |
Average earning assets | $136,519,000 | 3,650 |
Average equity | $12,992,670 | 4,214 |
Average total loans | $76,682,670 | 3,986 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0196% | 3,161 |
Cost of funding earning assets | 0.4060% | 3,240 |
Net interest margin | 3.6136% | 2,948 |
Noninterest income to average assets | 0.6558% | 2,377 |
Noninterest expense to average assets | 2.5414% | 4,133 |
Loan and lease loss provision to assets | 0.0898% | 2,196 |
Net operating income to assets | 1.4149% | 1,006 |
Return on assets (ROA) | 1.4149% | 1,062 |
Pretax return on assets | 1.4149% | 1,837 |
Return on Equity (ROE) | 16.0581% | 563 |
Retained earnings to average equity (ytd only) | 5.1262% | 2,983 |
Net charge-offs to loans | -0.0105% | 4,739 |
Credit loss provision to net charge-offs | -1,650.0000% | 5,097 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.8110% | 4,651 |
Assets per employee ($millions) | 4.3154% | 3,344 |
Cash dividends to net income (ytd only)* | 68.0769% | 1,229 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1405% | 4,319 |
Loan loss allowance to noncurrent loans | 496.6102% | 1,013 |
Noncurrent assets plus other real estate owned to assets | 0.1479% | 5,363 |
Noncurrent loans to loans | 0.2297% | 4,953 |
Net loans and leases to total assets | 51.9291% | 4,670 |
Net loans and leases to deposits | 61.3566% | 4,634 |
Net loans and leases to core deposits | 68.0176% | 4,320 |
Total domestic deposits to total assets | 84.6350% | 3,568 |
Equity capital to assets | 8.9113% | 5,381 |
Core capital (leverage) ratio | 8.9913% | 4,965 |
Tier 1 risk-based capital ratio | 16.5842% | 2,651 |
Total risk-based capital ratio | 17.7027% | 2,644 |
Memoranda: | ||
Average total assets | $147,005,500 | 3,697 |
Average earning assets | $137,923,000 | 3,659 |
Average equity | $12,953,000 | 4,243 |
Average total loans | $76,133,500 | 4,019 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9056% | 4,108 |
Cost of funding earning assets | 0.4419% | 3,254 |
Net interest margin | 3.4637% | 3,928 |
Noninterest income to average assets | 0.7064% | 2,273 |
Noninterest expense to average assets | 2.5180% | 4,488 |
Loan and lease loss provision to assets | 0.0845% | 2,789 |
Net operating income to assets | 1.3608% | 1,159 |
Return on assets (ROA) | 1.3608% | 1,206 |
Pretax return on assets | 1.3608% | 2,037 |
Return on Equity (ROE) | 15.5047% | 700 |
Retained earnings to average equity (ytd only) | 2.6670% | 4,344 |
Net charge-offs to loans | 0.0547% | 3,741 |
Credit loss provision to net charge-offs | 290.4762% | 883 |
Earnings coverage of net charge-offs (x) | 49.6905% | 928 |
Efficiency ratio | 63.5331% | 4,661 |
Assets per employee ($millions) | 4.4633% | 3,090 |
Cash dividends to net income (ytd only)* | 82.7990% | 810 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1224% | 4,435 |
Loan loss allowance to noncurrent loans | 680.6452% | 834 |
Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,590 |
Noncurrent loans to loans | 0.1649% | 5,238 |
Net loans and leases to total assets | 50.4807% | 4,921 |
Net loans and leases to deposits | 59.5621% | 4,939 |
Net loans and leases to core deposits | 65.9892% | 4,670 |
Total domestic deposits to total assets | 84.7530% | 3,392 |
Equity capital to assets | 8.7115% | 5,572 |
Core capital (leverage) ratio | 8.7613% | 5,280 |
Tier 1 risk-based capital ratio | 16.5637% | 2,689 |
Total risk-based capital ratio | 17.6502% | 2,705 |
Memoranda: | ||
Average total assets | $144,397,800 | 3,717 |
Average earning assets | $135,778,400 | 3,660 |
Average equity | $12,673,600 | 4,247 |
Average total loans | $76,777,400 | 3,977 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9180% | 4,104 |
Cost of funding earning assets | 0.4500% | 3,247 |
Net interest margin | 3.4680% | 3,950 |
Noninterest income to average assets | 0.7173% | 2,247 |
Noninterest expense to average assets | 2.5260% | 4,447 |
Loan and lease loss provision to assets | 0.0826% | 2,700 |
Net operating income to assets | 1.3697% | 1,195 |
Return on assets (ROA) | 1.3697% | 1,236 |
Pretax return on assets | 1.3697% | 2,116 |
Return on Equity (ROE) | 15.5763% | 735 |
Retained earnings to average equity (ytd only) | 3.1448% | 4,384 |
Net charge-offs to loans | 0.0397% | 3,709 |
Credit loss provision to net charge-offs | 386.9565% | 729 |
Earnings coverage of net charge-offs (x) | 68.0342% | 792 |
Efficiency ratio | 63.4943% | 4,633 |
Assets per employee ($millions) | 4.5203% | 2,932 |
Cash dividends to net income (ytd only)* | 79.8105% | 749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0952% | 4,774 |
Loan loss allowance to noncurrent loans | 377.2727% | 1,258 |
Noncurrent assets plus other real estate owned to assets | 0.1943% | 5,438 |
Noncurrent loans to loans | 0.2903% | 5,042 |
Net loans and leases to total assets | 51.8210% | 4,829 |
Net loans and leases to deposits | 61.5424% | 4,789 |
Net loans and leases to core deposits | 68.2796% | 4,482 |
Total domestic deposits to total assets | 84.2037% | 3,683 |
Equity capital to assets | 8.8677% | 5,495 |
Core capital (leverage) ratio | 8.9046% | 5,188 |
Tier 1 risk-based capital ratio | 16.9041% | 2,646 |
Total risk-based capital ratio | 17.9979% | 2,658 |
Memoranda: | ||
Average total assets | $143,675,250 | 3,766 |
Average earning assets | $135,099,000 | 3,705 |
Average equity | $12,634,250 | 4,286 |
Average total loans | $77,172,750 | 3,987 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9042% | 4,120 |
Cost of funding earning assets | 0.4633% | 3,181 |
Net interest margin | 3.4408% | 4,010 |
Noninterest income to average assets | 0.6878% | 2,340 |
Noninterest expense to average assets | 2.5504% | 4,414 |
Loan and lease loss provision to assets | 0.0781% | 2,720 |
Net operating income to assets | 1.2919% | 1,334 |
Return on assets (ROA) | 1.2919% | 1,387 |
Pretax return on assets | 1.2919% | 2,281 |
Return on Equity (ROE) | 14.7335% | 835 |
Retained earnings to average equity (ytd only) | 1.7502% | 5,023 |
Net charge-offs to loans | 0.0258% | 3,685 |
Credit loss provision to net charge-offs | 560.0000% | 538 |
Earnings coverage of net charge-offs (x) | 98.2000% | 560 |
Efficiency ratio | 65.0534% | 4,528 |
Assets per employee ($millions) | 4.5153% | 2,897 |
Cash dividends to net income (ytd only)* | 88.1210% | 723 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0217% | 5,260 |
Loan loss allowance to noncurrent loans | 203.0075% | 2,101 |
Noncurrent assets plus other real estate owned to assets | 0.3184% | 5,102 |
Noncurrent loans to loans | 0.5033% | 4,484 |
Net loans and leases to total assets | 54.3100% | 4,500 |
Net loans and leases to deposits | 64.4664% | 4,447 |
Net loans and leases to core deposits | 71.7586% | 4,074 |
Total domestic deposits to total assets | 84.2454% | 3,836 |
Equity capital to assets | 8.7473% | 5,578 |
Core capital (leverage) ratio | 8.9931% | 5,026 |
Tier 1 risk-based capital ratio | 16.1049% | 3,038 |
Total risk-based capital ratio | 17.1371% | 3,086 |
Memoranda: | ||
Average total assets | $143,351,000 | 3,793 |
Average earning assets | $134,677,000 | 3,733 |
Average equity | $12,570,000 | 4,306 |
Average total loans | $77,634,330 | 3,982 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9041% | 4,071 |
Cost of funding earning assets | 0.4742% | 3,184 |
Net interest margin | 3.4299% | 3,985 |
Noninterest income to average assets | 0.6584% | 2,411 |
Noninterest expense to average assets | 2.5157% | 4,566 |
Loan and lease loss provision to assets | 0.0644% | 2,833 |
Net operating income to assets | 1.2999% | 1,210 |
Return on assets (ROA) | 1.2999% | 1,257 |
Pretax return on assets | 1.2999% | 2,092 |
Return on Equity (ROE) | 14.8060% | 812 |
Retained earnings to average equity (ytd only) | 0.4148% | 5,413 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.8375% | 4,722 |
Assets per employee ($millions) | 4.4579% | 3,047 |
Cash dividends to net income (ytd only)* | 97.1983% | 719 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0162% | 5,453 |
Loan loss allowance to noncurrent loans | 1,674.4681% | 336 |
Noncurrent assets plus other real estate owned to assets | 0.0757% | 6,021 |
Noncurrent loans to loans | 0.0607% | 5,969 |
Net loans and leases to total assets | 53.7370% | 4,455 |
Net loans and leases to deposits | 63.9291% | 4,320 |
Net loans and leases to core deposits | 74.1044% | 3,635 |
Total domestic deposits to total assets | 84.0572% | 4,255 |
Equity capital to assets | 8.7919% | 5,350 |
Core capital (leverage) ratio | 8.9826% | 5,039 |
Tier 1 risk-based capital ratio | 16.4311% | 2,931 |
Total risk-based capital ratio | 17.4621% | 3,009 |
Memoranda: | ||
Average total assets | $142,781,000 | 3,829 |
Average earning assets | $134,114,500 | 3,765 |
Average equity | $12,535,500 | 4,336 |
Average total loans | $76,810,000 | 4,040 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8987% | 4,471 |
Cost of funding earning assets | 0.5905% | 2,752 |
Net interest margin | 3.3082% | 4,632 |
Noninterest income to average assets | 0.6529% | 2,795 |
Noninterest expense to average assets | 2.3161% | 5,324 |
Loan and lease loss provision to assets | 0.0428% | 4,265 |
Net operating income to assets | 1.4061% | 1,013 |
Return on assets (ROA) | 1.4061% | 1,051 |
Pretax return on assets | 1.4061% | 1,756 |
Return on Equity (ROE) | 16.3425% | 582 |
Retained earnings to average equity (ytd only) | 1.2367% | 5,273 |
Net charge-offs to loans | -0.0053% | 5,938 |
Credit loss provision to net charge-offs | -1,550.0000% | 6,289 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5159% | 5,289 |
Assets per employee ($millions) | 4.4659% | 2,963 |
Cash dividends to net income (ytd only)* | 92.4324% | 586 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0030% | 5,546 |
Loan loss allowance to noncurrent loans | 1,123.5294% | 457 |
Noncurrent assets plus other real estate owned to assets | 0.0903% | 6,073 |
Noncurrent loans to loans | 0.0893% | 5,948 |
Net loans and leases to total assets | 52.7689% | 4,752 |
Net loans and leases to deposits | 62.8352% | 4,635 |
Net loans and leases to core deposits | 72.4374% | 4,013 |
Total domestic deposits to total assets | 83.9799% | 4,176 |
Equity capital to assets | 8.7672% | 5,292 |
Core capital (leverage) ratio | 8.9341% | 5,103 |
Tier 1 risk-based capital ratio | 14.7704% | 3,805 |
Total risk-based capital ratio | 15.6711% | 3,950 |
Memoranda: | ||
Average total assets | $144,728,600 | 3,791 |
Average earning assets | $136,148,400 | 3,719 |
Average equity | $12,452,200 | 4,366 |
Average total loans | $76,138,600 | 4,053 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8768% | 4,589 |
Cost of funding earning assets | 0.6315% | 2,532 |
Net interest margin | 3.2453% | 4,846 |
Noninterest income to average assets | 0.6373% | 2,938 |
Noninterest expense to average assets | 2.2895% | 5,376 |
Loan and lease loss provision to assets | 0.0395% | 4,217 |
Net operating income to assets | 1.3619% | 1,202 |
Return on assets (ROA) | 1.3619% | 1,245 |
Pretax return on assets | 1.3619% | 2,068 |
Return on Equity (ROE) | 15.9035% | 661 |
Retained earnings to average equity (ytd only) | 1.2118% | 5,497 |
Net charge-offs to loans | -0.0350% | 6,202 |
Credit loss provision to net charge-offs | -215.0000% | 5,914 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.0304% | 5,135 |
Assets per employee ($millions) | 4.4542% | 2,949 |
Cash dividends to net income (ytd only)* | 92.3804% | 526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9855% | 5,788 |
Loan loss allowance to noncurrent loans | 168.7361% | 2,310 |
Noncurrent assets plus other real estate owned to assets | 0.3669% | 5,306 |
Noncurrent loans to loans | 0.5841% | 4,742 |
Net loans and leases to total assets | 53.6409% | 4,673 |
Net loans and leases to deposits | 63.7165% | 4,549 |
Net loans and leases to core deposits | 72.1018% | 4,077 |
Total domestic deposits to total assets | 84.1868% | 4,117 |
Equity capital to assets | 8.7615% | 5,455 |
Core capital (leverage) ratio | 8.6681% | 5,578 |
Tier 1 risk-based capital ratio | 14.6678% | 3,970 |
Total risk-based capital ratio | 15.5616% | 4,153 |
Memoranda: | ||
Average total assets | $145,183,750 | 3,823 |
Average earning assets | $136,605,000 | 3,752 |
Average equity | $12,433,000 | 4,409 |
Average total loans | $76,129,500 | 4,083 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8363% | 4,709 |
Cost of funding earning assets | 0.6290% | 2,690 |
Net interest margin | 3.2074% | 4,924 |
Noninterest income to average assets | 0.6025% | 3,176 |
Noninterest expense to average assets | 2.2688% | 5,451 |
Loan and lease loss provision to assets | 0.0342% | 4,259 |
Net operating income to assets | 1.3158% | 1,284 |
Return on assets (ROA) | 1.3158% | 1,366 |
Pretax return on assets | 1.3158% | 2,247 |
Return on Equity (ROE) | 15.4817% | 739 |
Retained earnings to average equity (ytd only) | 1.5949% | 5,231 |
Net charge-offs to loans | -0.0766% | 6,417 |
Credit loss provision to net charge-offs | -86.2069% | 5,600 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.6939% | 5,066 |
Assets per employee ($millions) | 4.6722% | 2,555 |
Cash dividends to net income (ytd only)* | 89.6982% | 681 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9635% | 5,951 |
Loan loss allowance to noncurrent loans | 402.6738% | 1,056 |
Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,963 |
Noncurrent loans to loans | 0.2393% | 5,706 |
Net loans and leases to total assets | 53.4383% | 4,663 |
Net loans and leases to deposits | 64.8858% | 4,388 |
Net loans and leases to core deposits | 75.8226% | 3,564 |
Total domestic deposits to total assets | 82.3575% | 4,925 |
Equity capital to assets | 8.6124% | 5,657 |
Core capital (leverage) ratio | 8.6940% | 5,433 |
Tier 1 risk-based capital ratio | 14.2620% | 4,253 |
Total risk-based capital ratio | 15.1230% | 4,481 |
Memoranda: | ||
Average total assets | $146,067,330 | 3,838 |
Average earning assets | $137,371,670 | 3,769 |
Average equity | $12,414,670 | 4,439 |
Average total loans | $75,767,000 | 4,112 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7595% | 4,961 |
Cost of funding earning assets | 0.6392% | 2,750 |
Net interest margin | 3.1203% | 5,192 |
Noninterest income to average assets | 0.6245% | 3,010 |
Noninterest expense to average assets | 2.2934% | 5,444 |
Loan and lease loss provision to assets | 0.0218% | 4,193 |
Net operating income to assets | 1.2381% | 1,417 |
Return on assets (ROA) | 1.2381% | 1,524 |
Pretax return on assets | 1.2381% | 2,442 |
Return on Equity (ROE) | 14.6629% | 830 |
Retained earnings to average equity (ytd only) | 0.6459% | 5,571 |
Net charge-offs to loans | 0.0322% | 3,580 |
Credit loss provision to net charge-offs | 133.3333% | 1,484 |
Earnings coverage of net charge-offs (x) | 77.0000% | 483 |
Efficiency ratio | 64.5434% | 4,913 |
Assets per employee ($millions) | 4.5200% | 2,932 |
Cash dividends to net income (ytd only)* | 95.5947% | 690 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9299% | 6,185 |
Loan loss allowance to noncurrent loans | 1,794.8718% | 290 |
Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,304 |
Noncurrent loans to loans | 0.0518% | 6,320 |
Net loans and leases to total assets | 51.5587% | 4,762 |
Net loans and leases to deposits | 62.0879% | 4,534 |
Net loans and leases to core deposits | 72.4613% | 3,765 |
Total domestic deposits to total assets | 83.0415% | 4,841 |
Equity capital to assets | 8.5695% | 5,943 |
Core capital (leverage) ratio | 8.5493% | 5,509 |
Tier 1 risk-based capital ratio | 14.4656% | 4,202 |
Total risk-based capital ratio | 15.2825% | 4,443 |
Memoranda: | ||
Average total assets | $146,682,000 | 3,866 |
Average earning assets | $137,677,500 | 3,799 |
Average equity | $12,385,000 | 4,496 |
Average total loans | $74,574,500 | 4,182 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8015% | 5,817 |
Cost of funding earning assets | 0.7399% | 3,161 |
Net interest margin | 3.0616% | 5,903 |
Noninterest income to average assets | 0.6323% | 3,094 |
Noninterest expense to average assets | 2.1809% | 5,960 |
Loan and lease loss provision to assets | 0.0055% | 5,858 |
Net operating income to assets | 1.2885% | 1,337 |
Return on assets (ROA) | 1.2885% | 1,488 |
Pretax return on assets | 1.2885% | 2,457 |
Return on Equity (ROE) | 16.0396% | 654 |
Retained earnings to average equity (ytd only) | 10.1831% | 562 |
Net charge-offs to loans | 0.1000% | 4,666 |
Credit loss provision to net charge-offs | 11.2676% | 5,384 |
Earnings coverage of net charge-offs (x) | 26.6901% | 1,090 |
Efficiency ratio | 62.7628% | 5,123 |
Assets per employee ($millions) | 4.6476% | 2,707 |
Cash dividends to net income (ytd only)* | 36.5130% | 3,055 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9449% | 6,145 |
Loan loss allowance to noncurrent loans | 307.4890% | 1,261 |
Noncurrent assets plus other real estate owned to assets | 0.2205% | 6,007 |
Noncurrent loans to loans | 0.3073% | 5,712 |
Net loans and leases to total assets | 49.2029% | 5,282 |
Net loans and leases to deposits | 59.1025% | 5,120 |
Net loans and leases to core deposits | 69.3434% | 4,392 |
Total domestic deposits to total assets | 83.2501% | 4,624 |
Equity capital to assets | 8.3208% | 6,182 |
Core capital (leverage) ratio | 8.4374% | 5,708 |
Tier 1 risk-based capital ratio | 14.6497% | 3,933 |
Total risk-based capital ratio | 15.4760% | 4,178 |
Memoranda: | ||
Average total assets | $146,453,400 | 3,836 |
Average earning assets | $135,972,800 | 3,792 |
Average equity | $11,764,600 | 4,619 |
Average total loans | $71,022,000 | 4,325 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8158% | 5,989 |
Cost of funding earning assets | 0.7626% | 3,250 |
Net interest margin | 3.0532% | 6,058 |
Noninterest income to average assets | 0.6087% | 3,219 |
Noninterest expense to average assets | 2.1843% | 5,985 |
Loan and lease loss provision to assets | 0.0064% | 5,729 |
Net operating income to assets | 1.2503% | 1,578 |
Return on assets (ROA) | 1.2503% | 1,741 |
Pretax return on assets | 1.2503% | 2,788 |
Return on Equity (ROE) | 15.7075% | 782 |
Retained earnings to average equity (ytd only) | 10.6554% | 750 |
Net charge-offs to loans | 0.0266% | 5,293 |
Credit loss provision to net charge-offs | 50.0000% | 4,399 |
Earnings coverage of net charge-offs (x) | 98.1944% | 432 |
Efficiency ratio | 63.4794% | 4,894 |
Assets per employee ($millions) | 4.7399% | 2,545 |
Cash dividends to net income (ytd only)* | 32.1637% | 2,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0606% | 5,853 |
Loan loss allowance to noncurrent loans | 785.4167% | 530 |
Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,378 |
Noncurrent loans to loans | 0.1350% | 6,259 |
Net loans and leases to total assets | 47.8709% | 5,559 |
Net loans and leases to deposits | 57.5628% | 5,471 |
Net loans and leases to core deposits | 66.8123% | 4,864 |
Total domestic deposits to total assets | 83.1629% | 4,574 |
Equity capital to assets | 8.2382% | 6,464 |
Core capital (leverage) ratio | 8.1966% | 6,148 |
Tier 1 risk-based capital ratio | 15.1833% | 3,717 |
Total risk-based capital ratio | 16.1290% | 3,892 |
Memoranda: | ||
Average total assets | $145,886,000 | 3,881 |
Average earning assets | $135,329,000 | 3,845 |
Average equity | $11,612,000 | 4,692 |
Average total loans | $70,309,000 | 4,390 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8377% | 6,056 |
Cost of funding earning assets | 0.7865% | 3,308 |
Net interest margin | 3.0511% | 6,122 |
Noninterest income to average assets | 0.5909% | 3,312 |
Noninterest expense to average assets | 2.1974% | 6,017 |
Loan and lease loss provision to assets | 0.0069% | 5,570 |
Net operating income to assets | 1.2121% | 1,676 |
Return on assets (ROA) | 1.2121% | 1,869 |
Pretax return on assets | 1.2121% | 2,870 |
Return on Equity (ROE) | 15.4092% | 867 |
Retained earnings to average equity (ytd only) | 7.7221% | 1,756 |
Net charge-offs to loans | 0.0314% | 4,939 |
Credit loss provision to net charge-offs | 45.4545% | 4,137 |
Earnings coverage of net charge-offs (x) | 80.6364% | 503 |
Efficiency ratio | 64.3202% | 4,832 |
Assets per employee ($millions) | 4.8283% | 2,387 |
Cash dividends to net income (ytd only)* | 49.8866% | 1,744 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0672% | 5,903 |
Loan loss allowance to noncurrent loans | 1,110.2941% | 373 |
Noncurrent assets plus other real estate owned to assets | 0.1129% | 6,511 |
Noncurrent loans to loans | 0.0961% | 6,423 |
Net loans and leases to total assets | 46.7597% | 5,749 |
Net loans and leases to deposits | 55.4316% | 5,713 |
Net loans and leases to core deposits | 65.2061% | 5,088 |
Total domestic deposits to total assets | 84.3558% | 4,163 |
Equity capital to assets | 7.7620% | 6,689 |
Core capital (leverage) ratio | 7.9991% | 6,279 |
Tier 1 risk-based capital ratio | 14.4727% | 4,121 |
Total risk-based capital ratio | 15.4133% | 4,296 |
Memoranda: | ||
Average total assets | $145,535,670 | 3,911 |
Average earning assets | $134,769,670 | 3,872 |
Average equity | $11,447,670 | 4,726 |
Average total loans | $70,047,330 | 4,417 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9235% | 5,963 |
Cost of funding earning assets | 0.8310% | 3,216 |
Net interest margin | 3.0925% | 6,070 |
Noninterest income to average assets | 0.5465% | 3,589 |
Noninterest expense to average assets | 2.2472% | 5,907 |
Loan and lease loss provision to assets | 0.0084% | 5,180 |
Net operating income to assets | 1.1236% | 1,972 |
Return on assets (ROA) | 1.1236% | 2,158 |
Pretax return on assets | 1.1236% | 3,225 |
Return on Equity (ROE) | 14.1870% | 1,152 |
Retained earnings to average equity (ytd only) | 13.0957% | 672 |
Net charge-offs to loans | 0.0918% | 3,603 |
Credit loss provision to net charge-offs | 18.7500% | 3,794 |
Earnings coverage of net charge-offs (x) | 25.3750% | 1,031 |
Efficiency ratio | 66.5017% | 4,465 |
Assets per employee ($millions) | 4.7084% | 2,649 |
Cash dividends to net income (ytd only)* | 7.6923% | 2,609 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0491% | 6,080 |
Loan loss allowance to noncurrent loans | 2,200.0000% | 206 |
Noncurrent assets plus other real estate owned to assets | 0.1891% | 6,406 |
Noncurrent loans to loans | 0.0477% | 6,632 |
Net loans and leases to total assets | 48.3341% | 5,509 |
Net loans and leases to deposits | 57.3714% | 5,454 |
Net loans and leases to core deposits | 68.6742% | 4,602 |
Total domestic deposits to total assets | 84.2478% | 4,378 |
Equity capital to assets | 7.9117% | 6,579 |
Core capital (leverage) ratio | 7.8977% | 6,335 |
Tier 1 risk-based capital ratio | 14.4968% | 4,111 |
Total risk-based capital ratio | 15.4358% | 4,304 |
Memoranda: | ||
Average total assets | $143,464,500 | 3,984 |
Average earning assets | $131,414,500 | 3,956 |
Average equity | $11,362,500 | 4,754 |
Average total loans | $69,699,000 | 4,458 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3756% | 5,518 |
Cost of funding earning assets | 1.0030% | 3,356 |
Net interest margin | 3.3726% | 5,568 |
Noninterest income to average assets | 0.6321% | 2,995 |
Noninterest expense to average assets | 2.4878% | 5,512 |
Loan and lease loss provision to assets | 0.0763% | 5,657 |
Net operating income to assets | 1.1252% | 1,738 |
Return on assets (ROA) | 1.1252% | 1,858 |
Pretax return on assets | 1.1252% | 2,744 |
Return on Equity (ROE) | 13.7349% | 1,006 |
Retained earnings to average equity (ytd only) | -0.0932% | 5,862 |
Net charge-offs to loans | 0.0159% | 6,214 |
Credit loss provision to net charge-offs | 909.0909% | 249 |
Earnings coverage of net charge-offs (x) | 143.0909% | 234 |
Efficiency ratio | 67.4322% | 4,482 |
Assets per employee ($millions) | 4.5474% | 2,831 |
Cash dividends to net income (ytd only)* | 100.6784% | 312 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1175% | 5,754 |
Loan loss allowance to noncurrent loans | 5,853.8462% | 109 |
Noncurrent assets plus other real estate owned to assets | 0.1809% | 6,498 |
Noncurrent loans to loans | 0.0191% | 6,782 |
Net loans and leases to total assets | 47.7697% | 5,848 |
Net loans and leases to deposits | 56.4313% | 5,847 |
Net loans and leases to core deposits | 67.7213% | 5,063 |
Total domestic deposits to total assets | 84.6511% | 4,018 |
Equity capital to assets | 7.9287% | 6,618 |
Core capital (leverage) ratio | 8.2070% | 5,985 |
Tier 1 risk-based capital ratio | 14.6254% | 3,882 |
Total risk-based capital ratio | 15.6212% | 4,033 |
Memoranda: | ||
Average total assets | $130,997,200 | 4,147 |
Average earning assets | $118,749,600 | 4,165 |
Average equity | $10,731,800 | 4,849 |
Average total loans | $69,072,800 | 4,531 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4628% | 5,375 |
Cost of funding earning assets | 1.0400% | 3,389 |
Net interest margin | 3.4228% | 5,500 |
Noninterest income to average assets | 0.6422% | 2,930 |
Noninterest expense to average assets | 2.5420% | 5,310 |
Loan and lease loss provision to assets | 0.1006% | 5,191 |
Net operating income to assets | 1.1206% | 1,904 |
Return on assets (ROA) | 1.1206% | 2,038 |
Pretax return on assets | 1.1206% | 2,924 |
Return on Equity (ROE) | 13.5583% | 1,147 |
Retained earnings to average equity (ytd only) | 2.8121% | 4,674 |
Net charge-offs to loans | 0.0231% | 5,827 |
Credit loss provision to net charge-offs | 808.3333% | 330 |
Earnings coverage of net charge-offs (x) | 98.0806% | 370 |
Efficiency ratio | 67.5489% | 4,409 |
Assets per employee ($millions) | 4.5070% | 2,903 |
Cash dividends to net income (ytd only)* | 79.2591% | 629 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1169% | 5,823 |
Loan loss allowance to noncurrent loans | 996.0526% | 364 |
Noncurrent assets plus other real estate owned to assets | 0.2352% | 6,472 |
Noncurrent loans to loans | 0.1121% | 6,651 |
Net loans and leases to total assets | 49.5666% | 5,764 |
Net loans and leases to deposits | 58.5933% | 5,789 |
Net loans and leases to core deposits | 71.1100% | 4,829 |
Total domestic deposits to total assets | 84.5943% | 3,965 |
Equity capital to assets | 7.9950% | 6,695 |
Core capital (leverage) ratio | 8.1818% | 6,156 |
Tier 1 risk-based capital ratio | 14.4681% | 3,998 |
Total risk-based capital ratio | 15.4813% | 4,139 |
Memoranda: | ||
Average total assets | $128,504,500 | 4,226 |
Average earning assets | $117,172,000 | 4,218 |
Average equity | $10,620,500 | 4,889 |
Average total loans | $69,315,750 | 4,557 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5568% | 5,150 |
Cost of funding earning assets | 1.0812% | 3,382 |
Net interest margin | 3.4757% | 5,272 |
Noninterest income to average assets | 0.6526% | 2,816 |
Noninterest expense to average assets | 2.5850% | 5,242 |
Loan and lease loss provision to assets | 0.1014% | 5,046 |
Net operating income to assets | 1.1436% | 1,746 |
Return on assets (ROA) | 1.1436% | 1,820 |
Pretax return on assets | 1.1436% | 2,688 |
Return on Equity (ROE) | 13.6777% | 1,053 |
Retained earnings to average equity (ytd only) | -1.0230% | 6,056 |
Net charge-offs to loans | 0.0200% | 5,560 |
Credit loss provision to net charge-offs | 914.2857% | 353 |
Earnings coverage of net charge-offs (x) | 112.2857% | 321 |
Efficiency ratio | 67.4938% | 4,607 |
Assets per employee ($millions) | 4.5334% | 2,776 |
Cash dividends to net income (ytd only)* | 107.4792% | 385 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0722% | 6,058 |
Loan loss allowance to noncurrent loans | 1,137.5000% | 338 |
Noncurrent assets plus other real estate owned to assets | 0.2335% | 6,544 |
Noncurrent loans to loans | 0.0943% | 6,742 |
Net loans and leases to total assets | 51.0892% | 5,685 |
Net loans and leases to deposits | 60.5774% | 5,662 |
Net loans and leases to core deposits | 72.9363% | 4,715 |
Total domestic deposits to total assets | 84.3371% | 4,200 |
Equity capital to assets | 8.0117% | 6,675 |
Core capital (leverage) ratio | 8.4613% | 5,612 |
Tier 1 risk-based capital ratio | 14.2776% | 3,956 |
Total risk-based capital ratio | 15.2644% | 4,139 |
Memoranda: | ||
Average total assets | $126,269,330 | 4,297 |
Average earning assets | $115,430,670 | 4,294 |
Average equity | $10,557,330 | 4,910 |
Average total loans | $69,829,000 | 4,582 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6663% | 4,661 |
Cost of funding earning assets | 1.1639% | 3,062 |
Net interest margin | 3.5023% | 5,004 |
Noninterest income to average assets | 0.6534% | 2,822 |
Noninterest expense to average assets | 2.6070% | 5,198 |
Loan and lease loss provision to assets | 0.1035% | 4,717 |
Net operating income to assets | 1.1838% | 1,563 |
Return on assets (ROA) | 1.1838% | 1,611 |
Pretax return on assets | 1.1838% | 2,436 |
Return on Equity (ROE) | 13.8512% | 1,019 |
Retained earnings to average equity (ytd only) | -1.2867% | 6,043 |
Net charge-offs to loans | 0.0226% | 4,767 |
Credit loss provision to net charge-offs | 800.0000% | 474 |
Earnings coverage of net charge-offs (x) | 99.5000% | 319 |
Efficiency ratio | 66.9435% | 4,861 |
Assets per employee ($millions) | 4.2426% | 3,362 |
Cash dividends to net income (ytd only)* | 109.2896% | 532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9921% | 6,426 |
Loan loss allowance to noncurrent loans | 7,777.7778% | 73 |
Noncurrent assets plus other real estate owned to assets | 0.2048% | 6,648 |
Noncurrent loans to loans | 0.0128% | 7,039 |
Net loans and leases to total assets | 56.7773% | 4,853 |
Net loans and leases to deposits | 68.6768% | 4,582 |
Net loans and leases to core deposits | 84.5223% | 3,099 |
Total domestic deposits to total assets | 82.6732% | 5,034 |
Equity capital to assets | 8.5764% | 5,803 |
Core capital (leverage) ratio | 8.5240% | 5,407 |
Tier 1 risk-based capital ratio | 14.2099% | 3,932 |
Total risk-based capital ratio | 15.1526% | 4,116 |
Memoranda: | ||
Average total assets | $123,669,000 | 4,380 |
Average earning assets | $114,438,500 | 4,341 |
Average equity | $10,569,500 | 4,901 |
Average total loans | $70,796,000 | 4,592 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7666% | 5,552 |
Cost of funding earning assets | 1.3448% | 3,612 |
Net interest margin | 3.4219% | 5,538 |
Noninterest income to average assets | 0.6869% | 2,922 |
Noninterest expense to average assets | 2.5753% | 5,523 |
Loan and lease loss provision to assets | 0.1045% | 6,098 |
Net operating income to assets | 1.2284% | 1,347 |
Return on assets (ROA) | 1.2284% | 1,421 |
Pretax return on assets | 1.2284% | 2,146 |
Return on Equity (ROE) | 14.2511% | 846 |
Retained earnings to average equity (ytd only) | 0.5401% | 5,307 |
Net charge-offs to loans | 0.0589% | 6,203 |
Credit loss provision to net charge-offs | 320.0000% | 811 |
Earnings coverage of net charge-offs (x) | 40.8000% | 575 |
Efficiency ratio | 65.8934% | 4,989 |
Assets per employee ($millions) | 4.2863% | 3,239 |
Cash dividends to net income (ytd only)* | 96.2101% | 453 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9460% | 6,589 |
Loan loss allowance to noncurrent loans | 988.2353% | 373 |
Noncurrent assets plus other real estate owned to assets | 0.4272% | 6,206 |
Noncurrent loans to loans | 0.0957% | 6,894 |
Net loans and leases to total assets | 56.6068% | 5,241 |
Net loans and leases to deposits | 69.3617% | 4,899 |
Net loans and leases to core deposits | 75.2951% | 4,816 |
Total domestic deposits to total assets | 81.6111% | 5,320 |
Equity capital to assets | 8.5171% | 5,831 |
Core capital (leverage) ratio | 8.4755% | 5,409 |
Tier 1 risk-based capital ratio | 14.1134% | 3,795 |
Total risk-based capital ratio | 15.0092% | 3,995 |
Memoranda: | ||
Average total assets | $122,433,600 | 4,435 |
Average earning assets | $115,259,200 | 4,337 |
Average equity | $10,553,600 | 4,973 |
Average total loans | $67,915,000 | 4,753 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7137% | 5,968 |
Cost of funding earning assets | 1.3775% | 3,726 |
Net interest margin | 3.3362% | 5,900 |
Noninterest income to average assets | 0.6996% | 2,814 |
Noninterest expense to average assets | 2.5394% | 5,562 |
Loan and lease loss provision to assets | 0.1060% | 5,977 |
Net operating income to assets | 1.2047% | 1,580 |
Return on assets (ROA) | 1.2047% | 1,664 |
Pretax return on assets | 1.2047% | 2,468 |
Return on Equity (ROE) | 13.9333% | 1,049 |
Retained earnings to average equity (ytd only) | 0.3288% | 5,656 |
Net charge-offs to loans | 0.0258% | 6,311 |
Credit loss provision to net charge-offs | 746.1538% | 399 |
Earnings coverage of net charge-offs (x) | 92.2464% | 336 |
Efficiency ratio | 65.9568% | 4,868 |
Assets per employee ($millions) | 4.2928% | 3,277 |
Cash dividends to net income (ytd only)* | 97.6404% | 373 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9785% | 6,485 |
Loan loss allowance to noncurrent loans | 271.5447% | 1,082 |
Noncurrent assets plus other real estate owned to assets | 0.3920% | 6,439 |
Noncurrent loans to loans | 0.3603% | 6,472 |
Net loans and leases to total assets | 54.3023% | 5,801 |
Net loans and leases to deposits | 66.6811% | 5,582 |
Net loans and leases to core deposits | 82.0263% | 4,245 |
Total domestic deposits to total assets | 81.4358% | 5,226 |
Equity capital to assets | 8.4785% | 6,303 |
Core capital (leverage) ratio | 8.6339% | 5,291 |
Tier 1 risk-based capital ratio | 14.4210% | 3,557 |
Total risk-based capital ratio | 15.3336% | 3,745 |
Memoranda: | ||
Average total assets | $121,966,250 | 4,506 |
Average earning assets | $115,179,750 | 4,400 |
Average equity | $10,545,250 | 5,040 |
Average total loans | $67,134,750 | 4,853 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7050% | 6,127 |
Cost of funding earning assets | 1.4061% | 3,838 |
Net interest margin | 3.2989% | 6,022 |
Noninterest income to average assets | 0.7001% | 2,703 |
Noninterest expense to average assets | 2.5115% | 5,680 |
Loan and lease loss provision to assets | 0.1106% | 5,797 |
Net operating income to assets | 1.2004% | 1,561 |
Return on assets (ROA) | 1.2004% | 1,631 |
Pretax return on assets | 1.2004% | 2,414 |
Return on Equity (ROE) | 13.7924% | 1,078 |
Retained earnings to average equity (ytd only) | 1.9541% | 4,888 |
Net charge-offs to loans | 0.0060% | 6,285 |
Credit loss provision to net charge-offs | 3,350.0000% | 121 |
Earnings coverage of net charge-offs (x) | 397.0000% | 87 |
Efficiency ratio | 65.7019% | 5,037 |
Assets per employee ($millions) | 4.1899% | 3,403 |
Cash dividends to net income (ytd only)* | 85.8322% | 642 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9611% | 6,564 |
Loan loss allowance to noncurrent loans | 226.9231% | 1,237 |
Noncurrent assets plus other real estate owned to assets | 0.4345% | 6,368 |
Noncurrent loans to loans | 0.4236% | 6,394 |
Net loans and leases to total assets | 55.0380% | 5,840 |
Net loans and leases to deposits | 68.0863% | 5,551 |
Net loans and leases to core deposits | 84.3604% | 4,092 |
Total domestic deposits to total assets | 80.8357% | 5,459 |
Equity capital to assets | 8.7501% | 5,814 |
Core capital (leverage) ratio | 8.8685% | 4,806 |
Tier 1 risk-based capital ratio | 14.7716% | 3,272 |
Total risk-based capital ratio | 15.6733% | 3,452 |
Memoranda: | ||
Average total assets | $121,124,330 | 4,544 |
Average earning assets | $114,643,000 | 4,442 |
Average equity | $10,542,000 | 5,051 |
Average total loans | $66,756,330 | 4,911 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6526% | 6,402 |
Cost of funding earning assets | 1.4633% | 3,786 |
Net interest margin | 3.1892% | 6,322 |
Noninterest income to average assets | 0.6119% | 3,194 |
Noninterest expense to average assets | 2.5832% | 5,424 |
Loan and lease loss provision to assets | 0.1158% | 5,447 |
Net operating income to assets | 0.9261% | 2,449 |
Return on assets (ROA) | 0.9261% | 2,511 |
Pretax return on assets | 0.9261% | 3,363 |
Return on Equity (ROE) | 10.6697% | 1,882 |
Retained earnings to average equity (ytd only) | -2.4388% | 6,280 |
Net charge-offs to loans | -0.0362% | 7,251 |
Credit loss provision to net charge-offs | -583.3333% | 6,296 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.2591% | 4,075 |
Assets per employee ($millions) | 3.8748% | 4,154 |
Cash dividends to net income (ytd only)* | 122.8571% | 419 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9317% | 6,736 |
Loan loss allowance to noncurrent loans | 256.1475% | 1,153 |
Noncurrent assets plus other real estate owned to assets | 0.4046% | 6,461 |
Noncurrent loans to loans | 0.3637% | 6,573 |
Net loans and leases to total assets | 55.3247% | 5,841 |
Net loans and leases to deposits | 68.4218% | 5,540 |
Net loans and leases to core deposits | 85.9704% | 3,901 |
Total domestic deposits to total assets | 80.8583% | 5,507 |
Equity capital to assets | 8.7121% | 5,712 |
Core capital (leverage) ratio | 8.6655% | 5,083 |
Tier 1 risk-based capital ratio | 14.6947% | 3,261 |
Total risk-based capital ratio | 15.5723% | 3,446 |
Memoranda: | ||
Average total assets | $120,933,000 | 4,606 |
Average earning assets | $114,259,000 | 4,509 |
Average equity | $10,497,000 | 5,101 |
Average total loans | $66,372,500 | 4,990 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9898% | 6,466 |
Cost of funding earning assets | 1.5334% | 5,364 |
Net interest margin | 3.4564% | 5,143 |
Noninterest income to average assets | 0.7001% | 2,981 |
Noninterest expense to average assets | 2.4429% | 6,328 |
Loan and lease loss provision to assets | 0.3509% | 4,701 |
Net operating income to assets | 1.1726% | 1,320 |
Return on assets (ROA) | 1.1776% | 1,350 |
Pretax return on assets | 1.1776% | 2,013 |
Return on Equity (ROE) | 13.5089% | 868 |
Retained earnings to average equity (ytd only) | -0.7120% | 5,178 |
Net charge-offs to loans | 0.3612% | 4,422 |
Credit loss provision to net charge-offs | 186.7841% | 2,168 |
Earnings coverage of net charge-offs (x) | 8.1101% | 2,001 |
Efficiency ratio | 61.5898% | 6,225 |
Assets per employee ($millions) | 3.9273% | 3,961 |
Cash dividends to net income (ytd only)* | 105.2706% | 552 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8894% | 6,865 |
Loan loss allowance to noncurrent loans | 133.0296% | 2,137 |
Noncurrent assets plus other real estate owned to assets | 0.4444% | 6,346 |
Noncurrent loans to loans | 0.6686% | 5,899 |
Net loans and leases to total assets | 53.4556% | 6,253 |
Net loans and leases to deposits | 66.3587% | 6,012 |
Net loans and leases to core deposits | 82.6623% | 5,853 |
Total domestic deposits to total assets | 80.5554% | 5,488 |
Equity capital to assets | 8.6483% | 5,666 |
Core capital (leverage) ratio | 8.6383% | 5,036 |
Tier 1 risk-based capital ratio | 14.9375% | 2,974 |
Total risk-based capital ratio | 15.7660% | 3,153 |
Memoranda: | ||
Average total assets | $120,841,200 | 4,540 |
Average earning assets | $114,193,200 | 4,445 |
Average equity | $10,533,800 | 5,149 |
Average total loans | $62,839,000 | 5,139 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0117% | 6,569 |
Cost of funding earning assets | 1.5598% | 5,590 |
Net interest margin | 3.4519% | 5,068 |
Noninterest income to average assets | 0.6898% | 3,092 |
Noninterest expense to average assets | 2.4275% | 6,325 |
Loan and lease loss provision to assets | 0.4223% | 3,794 |
Net operating income to assets | 1.1010% | 1,729 |
Return on assets (ROA) | 1.1010% | 1,784 |
Pretax return on assets | 1.1010% | 2,565 |
Return on Equity (ROE) | 12.6053% | 1,202 |
Retained earnings to average equity (ytd only) | -1.3415% | 5,570 |
Net charge-offs to loans | 0.3970% | 3,676 |
Credit loss provision to net charge-offs | 206.4865% | 2,145 |
Earnings coverage of net charge-offs (x) | 7.4487% | 2,404 |
Efficiency ratio | 61.4438% | 6,206 |
Assets per employee ($millions) | 4.3867% | 3,061 |
Cash dividends to net income (ytd only)* | 110.6426% | 466 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9053% | 6,737 |
Loan loss allowance to noncurrent loans | 369.6203% | 842 |
Noncurrent assets plus other real estate owned to assets | 0.2117% | 6,991 |
Noncurrent loans to loans | 0.2449% | 6,892 |
Net loans and leases to total assets | 52.0443% | 6,593 |
Net loans and leases to deposits | 64.4867% | 6,454 |
Net loans and leases to core deposits | 79.1817% | 6,406 |
Total domestic deposits to total assets | 80.7055% | 5,189 |
Equity capital to assets | 8.5477% | 6,187 |
Core capital (leverage) ratio | 8.8102% | 4,957 |
Tier 1 risk-based capital ratio | 15.1838% | 2,961 |
Total risk-based capital ratio | 16.0284% | 3,095 |
Memoranda: | ||
Average total assets | $120,615,000 | 4,578 |
Average earning assets | $113,944,750 | 4,482 |
Average equity | $10,535,000 | 5,184 |
Average total loans | $62,132,750 | 5,206 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0828% | 6,499 |
Cost of funding earning assets | 1.5989% | 5,748 |
Net interest margin | 3.4839% | 4,870 |
Noninterest income to average assets | 0.6807% | 3,112 |
Noninterest expense to average assets | 2.4091% | 6,429 |
Loan and lease loss provision to assets | 0.4254% | 3,417 |
Net operating income to assets | 1.1362% | 1,647 |
Return on assets (ROA) | 1.1362% | 1,727 |
Pretax return on assets | 1.1362% | 2,514 |
Return on Equity (ROE) | 12.9136% | 1,197 |
Retained earnings to average equity (ytd only) | -1.0430% | 5,497 |
Net charge-offs to loans | 0.4467% | 3,031 |
Credit loss provision to net charge-offs | 186.1314% | 2,461 |
Earnings coverage of net charge-offs (x) | 6.8321% | 2,539 |
Efficiency ratio | 60.6723% | 6,449 |
Assets per employee ($millions) | 4.2455% | 3,211 |
Cash dividends to net income (ytd only)* | 108.0764% | 624 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8083% | 7,126 |
Loan loss allowance to noncurrent loans | 721.4286% | 474 |
Noncurrent assets plus other real estate owned to assets | 0.1447% | 7,204 |
Noncurrent loans to loans | 0.1120% | 7,242 |
Net loans and leases to total assets | 52.1317% | 6,669 |
Net loans and leases to deposits | 65.1045% | 6,469 |
Net loans and leases to core deposits | 79.3422% | 6,457 |
Total domestic deposits to total assets | 80.0739% | 5,446 |
Equity capital to assets | 8.8741% | 5,487 |
Core capital (leverage) ratio | 8.9880% | 4,649 |
Tier 1 risk-based capital ratio | 15.7180% | 2,721 |
Total risk-based capital ratio | 16.4705% | 2,861 |
Memoranda: | ||
Average total assets | $119,877,330 | 4,638 |
Average earning assets | $113,206,330 | 4,534 |
Average equity | $10,547,000 | 5,201 |
Average total loans | $61,340,670 | 5,276 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9035% | 7,167 |
Cost of funding earning assets | 1.6778% | 5,706 |
Net interest margin | 3.2257% | 5,776 |
Noninterest income to average assets | 0.6347% | 3,315 |
Noninterest expense to average assets | 2.1399% | 7,035 |
Loan and lease loss provision to assets | 0.5150% | 2,407 |
Net operating income to assets | 1.0334% | 2,181 |
Return on assets (ROA) | 1.0334% | 2,319 |
Pretax return on assets | 1.0334% | 3,233 |
Return on Equity (ROE) | 11.7959% | 1,729 |
Retained earnings to average equity (ytd only) | -4.3998% | 6,473 |
Net charge-offs to loans | 0.8622% | 1,513 |
Credit loss provision to net charge-offs | 118.3206% | 3,312 |
Earnings coverage of net charge-offs (x) | 3.5573% | 3,141 |
Efficiency ratio | 58.0180% | 6,700 |
Assets per employee ($millions) | 4.1705% | 3,318 |
Cash dividends to net income (ytd only)* | 137.2990% | 505 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6745% | 7,515 |
Loan loss allowance to noncurrent loans | 978.5714% | 408 |
Noncurrent assets plus other real estate owned to assets | 0.1225% | 7,218 |
Noncurrent loans to loans | 0.0689% | 7,329 |
Net loans and leases to total assets | 51.8266% | 6,705 |
Net loans and leases to deposits | 67.4897% | 6,227 |
Net loans and leases to core deposits | 83.3781% | 6,104 |
Total domestic deposits to total assets | 76.7919% | 6,337 |
Equity capital to assets | 8.9815% | 5,381 |
Core capital (leverage) ratio | 8.9154% | 4,842 |
Tier 1 risk-based capital ratio | 16.0360% | 2,681 |
Total risk-based capital ratio | 16.6644% | 2,820 |
Memoranda: | ||
Average total assets | $120,379,000 | 4,642 |
Average earning assets | $113,960,000 | 4,533 |
Average equity | $10,546,000 | 5,227 |
Average total loans | $60,773,000 | 5,331 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7461% | 6,614 |
Cost of funding earning assets | 2.1394% | 5,879 |
Net interest margin | 3.6067% | 4,858 |
Noninterest income to average assets | 0.6934% | 3,158 |
Noninterest expense to average assets | 2.2890% | 6,737 |
Loan and lease loss provision to assets | 0.0347% | 6,972 |
Net operating income to assets | 1.7655% | 589 |
Return on assets (ROA) | 1.7655% | 565 |
Pretax return on assets | 1.7655% | 1,009 |
Return on Equity (ROE) | 22.5063% | 235 |
Retained earnings to average equity (ytd only) | 9.6566% | 502 |
Net charge-offs to loans | 0.0599% | 5,925 |
Credit loss provision to net charge-offs | 117.6471% | 4,575 |
Earnings coverage of net charge-offs (x) | 61.0882% | 656 |
Efficiency ratio | 55.9771% | 7,016 |
Assets per employee ($millions) | 4.4280% | 2,731 |
Cash dividends to net income (ytd only)* | 57.0938% | 2,796 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6385% | 7,584 |
Loan loss allowance to noncurrent loans | 154.8000% | 2,398 |
Noncurrent assets plus other real estate owned to assets | 0.2662% | 6,513 |
Noncurrent loans to loans | 0.4124% | 6,107 |
Net loans and leases to total assets | 48.5772% | 7,142 |
Net loans and leases to deposits | 60.8573% | 7,024 |
Net loans and leases to core deposits | 72.4635% | 7,048 |
Total domestic deposits to total assets | 79.8216% | 5,091 |
Equity capital to assets | 8.5527% | 6,010 |
Core capital (leverage) ratio | 8.4495% | 5,656 |
Tier 1 risk-based capital ratio | 15.8384% | 2,729 |
Total risk-based capital ratio | 16.4165% | 2,892 |
Memoranda: | ||
Average total assets | $115,376,600 | 4,625 |
Average earning assets | $108,630,600 | 4,543 |
Average equity | $9,050,800 | 5,728 |
Average total loans | $56,769,600 | 5,418 |