Home > First State Bank of Colfax > Performance and Condition Ratios
First State Bank of Colfax, Performance and Condition Ratios
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8067% | 4,673 |
Cost of funding earning assets | 0.5027% | 4,131 |
Net interest margin | 3.3040% | 4,086 |
Noninterest income to average assets | 0.1250% | 4,901 |
Noninterest expense to average assets | 1.1685% | 5,176 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.9780% | 414 |
Return on assets (ROA) | 1.9741% | 437 |
Pretax return on assets | 2.0787% | 579 |
Return on Equity (ROE) | 8.5064% | 3,108 |
Retained earnings to average equity (ytd only) | 8.5064% | 1,200 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.9395% | 5,176 |
Assets per employee ($millions) | 7.9421% | 705 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7517% | 742 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 34.1628% | 4,988 |
Net loans and leases to deposits | 45.4300% | 4,884 |
Net loans and leases to core deposits | 46.8498% | 4,902 |
Total domestic deposits to total assets | 75.1987% | 4,729 |
Equity capital to assets | 24.5920% | 134 |
Core capital (leverage) ratio | 24.3785% | 131 |
Tier 1 risk-based capital ratio | 48.9279% | 141 |
Total risk-based capital ratio | 50.1500% | 140 |
Memoranda: | ||
Average total assets | $65,039,500 | 4,573 |
Average earning assets | $61,539,750 | 4,541 |
Average equity | $15,094,250 | 3,663 |
Average total loans | $22,396,000 | 4,888 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7821% | 4,734 |
Cost of funding earning assets | 0.4865% | 4,178 |
Net interest margin | 3.2957% | 4,157 |
Noninterest income to average assets | 0.1190% | 4,969 |
Noninterest expense to average assets | 1.1871% | 5,227 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.9498% | 425 |
Return on assets (ROA) | 1.9469% | 447 |
Pretax return on assets | 2.0506% | 618 |
Return on Equity (ROE) | 8.5538% | 3,045 |
Retained earnings to average equity (ytd only) | 8.5538% | 1,181 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.6290% | 5,210 |
Assets per employee ($millions) | 8.0344% | 662 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7314% | 771 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 34.1735% | 5,027 |
Net loans and leases to deposits | 44.9439% | 4,929 |
Net loans and leases to core deposits | 46.3094% | 4,950 |
Total domestic deposits to total assets | 76.0358% | 4,660 |
Equity capital to assets | 23.7931% | 141 |
Core capital (leverage) ratio | 23.5701% | 141 |
Tier 1 risk-based capital ratio | 47.3854% | 155 |
Total risk-based capital ratio | 48.5943% | 150 |
Memoranda: | ||
Average total assets | $65,540,330 | 4,598 |
Average earning assets | $62,081,330 | 4,565 |
Average equity | $14,917,330 | 3,687 |
Average total loans | $22,497,000 | 4,930 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7114% | 4,830 |
Cost of funding earning assets | 0.4855% | 4,128 |
Net interest margin | 3.2259% | 4,330 |
Noninterest income to average assets | 0.1088% | 5,046 |
Noninterest expense to average assets | 1.1848% | 5,286 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.8793% | 473 |
Return on assets (ROA) | 1.8678% | 505 |
Pretax return on assets | 1.9645% | 679 |
Return on Equity (ROE) | 8.3913% | 3,082 |
Retained earnings to average equity (ytd only) | 8.3913% | 1,523 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.4761% | 5,245 |
Assets per employee ($millions) | 8.1239% | 645 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7332% | 803 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 33.7601% | 5,076 |
Net loans and leases to deposits | 43.9347% | 4,986 |
Net loans and leases to core deposits | 45.2401% | 5,013 |
Total domestic deposits to total assets | 76.8414% | 4,670 |
Equity capital to assets | 22.9386% | 150 |
Core capital (leverage) ratio | 22.6714% | 159 |
Tier 1 risk-based capital ratio | 45.6643% | 164 |
Total risk-based capital ratio | 46.8552% | 164 |
Memoranda: | ||
Average total assets | $66,173,000 | 4,637 |
Average earning assets | $62,617,500 | 4,602 |
Average equity | $14,729,500 | 3,718 |
Average total loans | $22,569,500 | 4,981 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7920% | 4,501 |
Cost of funding earning assets | 0.5198% | 3,228 |
Net interest margin | 3.2722% | 4,331 |
Noninterest income to average assets | 0.3196% | 3,970 |
Noninterest expense to average assets | 1.2229% | 5,316 |
Loan and lease loss provision to assets | -0.2919% | 5,361 |
Net operating income to assets | 2.3568% | 195 |
Return on assets (ROA) | 2.3568% | 189 |
Pretax return on assets | 2.4750% | 215 |
Return on Equity (ROE) | 11.6620% | 1,838 |
Retained earnings to average equity (ytd only) | 10.9399% | 450 |
Net charge-offs to loans | -0.0940% | 5,136 |
Credit loss provision to net charge-offs | 869.5652% | 410 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.9040% | 5,326 |
Assets per employee ($millions) | 8.4194% | 577 |
Cash dividends to net income (ytd only)* | 6.1920% | 3,918 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6965% | 839 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 33.2923% | 5,137 |
Net loans and leases to deposits | 44.3855% | 5,020 |
Net loans and leases to core deposits | 44.9163% | 5,063 |
Total domestic deposits to total assets | 75.0071% | 4,870 |
Equity capital to assets | 21.6034% | 177 |
Core capital (leverage) ratio | 21.8321% | 169 |
Tier 1 risk-based capital ratio | 43.0663% | 193 |
Total risk-based capital ratio | 44.2133% | 192 |
Memoranda: | ||
Average total assets | $68,525,200 | 4,607 |
Average earning assets | $64,636,200 | 4,579 |
Average equity | $13,848,400 | 3,768 |
Average total loans | $24,479,600 | 4,957 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7915% | 4,458 |
Cost of funding earning assets | 0.5102% | 3,127 |
Net interest margin | 3.2813% | 4,335 |
Noninterest income to average assets | 0.3759% | 3,628 |
Noninterest expense to average assets | 1.1334% | 5,404 |
Loan and lease loss provision to assets | -0.3875% | 5,444 |
Net operating income to assets | 2.5923% | 136 |
Return on assets (ROA) | 2.5923% | 135 |
Pretax return on assets | 2.7202% | 161 |
Return on Equity (ROE) | 13.0476% | 1,417 |
Retained earnings to average equity (ytd only) | 12.0724% | 471 |
Net charge-offs to loans | -0.1178% | 5,206 |
Credit loss provision to net charge-offs | 909.0909% | 437 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.6998% | 5,417 |
Assets per employee ($millions) | 8.1458% | 618 |
Cash dividends to net income (ytd only)* | 7.4738% | 3,464 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5939% | 1,095 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 36.5697% | 5,123 |
Net loans and leases to deposits | 50.3954% | 4,942 |
Net loans and leases to core deposits | 51.0398% | 4,994 |
Total domestic deposits to total assets | 72.5654% | 5,091 |
Equity capital to assets | 21.9317% | 166 |
Core capital (leverage) ratio | 21.3064% | 186 |
Tier 1 risk-based capital ratio | 41.2502% | 214 |
Total risk-based capital ratio | 42.3672% | 216 |
Memoranda: | ||
Average total assets | $68,817,750 | 4,646 |
Average earning assets | $64,810,500 | 4,627 |
Average equity | $13,672,750 | 3,822 |
Average total loans | $24,896,750 | 4,998 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7685% | 4,423 |
Cost of funding earning assets | 0.5033% | 2,987 |
Net interest margin | 3.2652% | 4,340 |
Noninterest income to average assets | 0.4512% | 3,141 |
Noninterest expense to average assets | 1.1109% | 5,473 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 2.3074% | 204 |
Return on assets (ROA) | 2.3074% | 198 |
Pretax return on assets | 2.4159% | 263 |
Return on Equity (ROE) | 12.0003% | 1,722 |
Retained earnings to average equity (ytd only) | 10.5151% | 788 |
Net charge-offs to loans | -0.1751% | 5,302 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.4980% | 5,488 |
Assets per employee ($millions) | 7.6158% | 736 |
Cash dividends to net income (ytd only)* | 12.3762% | 3,241 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2895% | 321 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 36.4871% | 5,163 |
Net loans and leases to deposits | 48.9212% | 5,003 |
Net loans and leases to core deposits | 51.0138% | 5,020 |
Total domestic deposits to total assets | 74.5835% | 4,992 |
Equity capital to assets | 20.1395% | 221 |
Core capital (leverage) ratio | 19.6442% | 240 |
Tier 1 risk-based capital ratio | 37.7593% | 270 |
Total risk-based capital ratio | 39.0112% | 266 |
Memoranda: | ||
Average total assets | $70,035,000 | 4,682 |
Average earning assets | $65,968,670 | 4,657 |
Average equity | $13,466,330 | 3,873 |
Average total loans | $25,123,330 | 5,051 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6612% | 4,568 |
Cost of funding earning assets | 0.4914% | 2,861 |
Net interest margin | 3.1698% | 4,555 |
Noninterest income to average assets | 0.2656% | 4,403 |
Noninterest expense to average assets | 1.1415% | 5,536 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 2.0118% | 366 |
Return on assets (ROA) | 2.0118% | 366 |
Pretax return on assets | 2.1135% | 447 |
Return on Equity (ROE) | 10.7088% | 2,080 |
Retained earnings to average equity (ytd only) | 10.7088% | 961 |
Net charge-offs to loans | -0.3054% | 5,447 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.0694% | 5,524 |
Assets per employee ($millions) | 7.8209% | 670 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2771% | 336 |
Loan loss allowance to noncurrent loans | 1,619.4444% | 403 |
Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,844 |
Noncurrent loans to loans | 0.1406% | 4,335 |
Net loans and leases to total assets | 35.5458% | 5,219 |
Net loans and leases to deposits | 46.9656% | 5,076 |
Net loans and leases to core deposits | 48.8901% | 5,072 |
Total domestic deposits to total assets | 75.6848% | 5,001 |
Equity capital to assets | 19.1183% | 248 |
Core capital (leverage) ratio | 19.2713% | 243 |
Tier 1 risk-based capital ratio | 35.8547% | 312 |
Total risk-based capital ratio | 37.1069% | 306 |
Memoranda: | ||
Average total assets | $70,781,500 | 4,727 |
Average earning assets | $66,754,000 | 4,699 |
Average equity | $13,297,500 | 3,931 |
Average total loans | $24,887,500 | 5,112 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6911% | 4,358 |
Cost of funding earning assets | 0.4536% | 2,742 |
Net interest margin | 3.2376% | 4,337 |
Noninterest income to average assets | 0.1419% | 5,238 |
Noninterest expense to average assets | 1.1397% | 5,593 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.9368% | 320 |
Return on assets (ROA) | 1.9368% | 325 |
Pretax return on assets | 2.0414% | 445 |
Return on Equity (ROE) | 10.4437% | 1,697 |
Retained earnings to average equity (ytd only) | 4.6459% | 2,360 |
Net charge-offs to loans | -0.2008% | 5,522 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.8269% | 5,584 |
Assets per employee ($millions) | 7.9083% | 656 |
Cash dividends to net income (ytd only)* | 55.5144% | 1,996 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3333% | 301 |
Loan loss allowance to noncurrent loans | 1,446.1538% | 462 |
Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,860 |
Noncurrent loans to loans | 0.1613% | 4,282 |
Net loans and leases to total assets | 33.1689% | 5,365 |
Net loans and leases to deposits | 43.4346% | 5,262 |
Net loans and leases to core deposits | 45.3939% | 5,251 |
Total domestic deposits to total assets | 76.3653% | 4,936 |
Equity capital to assets | 18.4587% | 278 |
Core capital (leverage) ratio | 18.9459% | 238 |
Tier 1 risk-based capital ratio | 36.3433% | 290 |
Total risk-based capital ratio | 37.5970% | 284 |
Memoranda: | ||
Average total assets | $69,754,800 | 4,780 |
Average earning assets | $65,481,000 | 4,756 |
Average equity | $12,936,000 | 3,989 |
Average total loans | $25,891,000 | 5,132 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7179% | 4,273 |
Cost of funding earning assets | 0.4624% | 2,596 |
Net interest margin | 3.2555% | 4,308 |
Noninterest income to average assets | 0.1422% | 5,296 |
Noninterest expense to average assets | 1.1066% | 5,664 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.9846% | 326 |
Return on assets (ROA) | 1.9846% | 331 |
Pretax return on assets | 2.0922% | 454 |
Return on Equity (ROE) | 10.6888% | 1,829 |
Retained earnings to average equity (ytd only) | 6.5498% | 1,939 |
Net charge-offs to loans | -0.2634% | 5,589 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 34.5946% | 5,658 |
Assets per employee ($millions) | 7.3609% | 807 |
Cash dividends to net income (ytd only)* | 38.7221% | 2,346 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2871% | 351 |
Loan loss allowance to noncurrent loans | 1,005.3571% | 595 |
Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,817 |
Noncurrent loans to loans | 0.2275% | 4,155 |
Net loans and leases to total assets | 36.3075% | 5,332 |
Net loans and leases to deposits | 48.7673% | 5,166 |
Net loans and leases to core deposits | 51.2027% | 5,162 |
Total domestic deposits to total assets | 74.4505% | 5,191 |
Equity capital to assets | 19.9508% | 229 |
Core capital (leverage) ratio | 19.3671% | 231 |
Tier 1 risk-based capital ratio | 36.7435% | 285 |
Total risk-based capital ratio | 37.9967% | 281 |
Memoranda: | ||
Average total assets | $69,399,750 | 4,835 |
Average earning assets | $65,160,500 | 4,808 |
Average equity | $12,885,500 | 4,039 |
Average total loans | $26,320,750 | 5,168 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6809% | 4,282 |
Cost of funding earning assets | 0.4499% | 2,602 |
Net interest margin | 3.2311% | 4,324 |
Noninterest income to average assets | 0.0766% | 5,580 |
Noninterest expense to average assets | 1.1157% | 5,717 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.8765% | 390 |
Return on assets (ROA) | 1.8765% | 403 |
Pretax return on assets | 1.9787% | 549 |
Return on Equity (ROE) | 10.3483% | 1,893 |
Retained earnings to average equity (ytd only) | 4.0861% | 3,279 |
Net charge-offs to loans | -0.2008% | 5,574 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.0550% | 5,695 |
Assets per employee ($millions) | 6.9009% | 973 |
Cash dividends to net income (ytd only)* | 60.5144% | 1,468 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9508% | 653 |
Loan loss allowance to noncurrent loans | 1,225.0000% | 500 |
Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,950 |
Noncurrent loans to loans | 0.1593% | 4,483 |
Net loans and leases to total assets | 39.2557% | 5,248 |
Net loans and leases to deposits | 51.6837% | 5,072 |
Net loans and leases to core deposits | 55.1013% | 5,045 |
Total domestic deposits to total assets | 75.9539% | 5,101 |
Equity capital to assets | 18.6439% | 282 |
Core capital (leverage) ratio | 18.4252% | 278 |
Tier 1 risk-based capital ratio | 33.2485% | 352 |
Total risk-based capital ratio | 34.4997% | 349 |
Memoranda: | ||
Average total assets | $70,450,330 | 4,855 |
Average earning assets | $65,798,330 | 4,832 |
Average equity | $12,775,000 | 4,070 |
Average total loans | $26,889,000 | 5,193 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5649% | 4,510 |
Cost of funding earning assets | 0.4555% | 2,477 |
Net interest margin | 3.1094% | 4,627 |
Noninterest income to average assets | 0.0281% | 5,766 |
Noninterest expense to average assets | 1.3151% | 5,731 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.5006% | 808 |
Return on assets (ROA) | 1.5006% | 835 |
Pretax return on assets | 1.5905% | 1,264 |
Return on Equity (ROE) | 8.3900% | 2,723 |
Retained earnings to average equity (ytd only) | 8.3900% | 1,313 |
Net charge-offs to loans | -0.0151% | 4,597 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.2611% | 5,556 |
Assets per employee ($millions) | 7.8050% | 668 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9632% | 718 |
Loan loss allowance to noncurrent loans | 255.2239% | 1,861 |
Noncurrent assets plus other real estate owned to assets | 0.2861% | 4,064 |
Noncurrent loans to loans | 0.7692% | 2,551 |
Net loans and leases to total assets | 36.4695% | 5,385 |
Net loans and leases to deposits | 47.8099% | 5,230 |
Net loans and leases to core deposits | 50.8980% | 5,192 |
Total domestic deposits to total assets | 76.2802% | 5,203 |
Equity capital to assets | 18.3187% | 286 |
Core capital (leverage) ratio | 17.9096% | 291 |
Tier 1 risk-based capital ratio | 33.8097% | 358 |
Total risk-based capital ratio | 35.0600% | 352 |
Memoranda: | ||
Average total assets | $71,171,000 | 4,895 |
Average earning assets | $65,865,000 | 4,882 |
Average equity | $12,729,500 | 4,105 |
Average total loans | $26,519,000 | 5,259 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9330% | 3,448 |
Cost of funding earning assets | 0.4816% | 2,241 |
Net interest margin | 3.4514% | 3,623 |
Noninterest income to average assets | 0.3555% | 4,193 |
Noninterest expense to average assets | 1.4293% | 5,758 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 2.0133% | 308 |
Return on assets (ROA) | 2.0133% | 323 |
Pretax return on assets | 2.1190% | 383 |
Return on Equity (ROE) | 11.3807% | 1,438 |
Retained earnings to average equity (ytd only) | 7.5468% | 1,023 |
Net charge-offs to loans | -0.3586% | 5,807 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.2817% | 5,778 |
Assets per employee ($millions) | 8.0108% | 608 |
Cash dividends to net income (ytd only)* | 33.6879% | 3,174 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9029% | 799 |
Loan loss allowance to noncurrent loans | 341.3333% | 1,466 |
Noncurrent assets plus other real estate owned to assets | 0.4633% | 3,405 |
Noncurrent loans to loans | 0.5575% | 3,173 |
Net loans and leases to total assets | 36.6104% | 5,465 |
Net loans and leases to deposits | 47.4261% | 5,319 |
Net loans and leases to core deposits | 50.8525% | 5,274 |
Total domestic deposits to total assets | 77.1946% | 5,091 |
Equity capital to assets | 17.4640% | 340 |
Core capital (leverage) ratio | 17.4014% | 325 |
Tier 1 risk-based capital ratio | 32.7460% | 385 |
Total risk-based capital ratio | 33.9963% | 376 |
Memoranda: | ||
Average total assets | $70,033,600 | 4,932 |
Average earning assets | $64,785,000 | 4,924 |
Average equity | $12,389,400 | 4,192 |
Average total loans | $29,284,000 | 5,218 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0119% | 3,185 |
Cost of funding earning assets | 0.4897% | 2,173 |
Net interest margin | 3.5223% | 3,383 |
Noninterest income to average assets | 0.2915% | 4,682 |
Noninterest expense to average assets | 1.4576% | 5,788 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 2.0119% | 337 |
Return on assets (ROA) | 2.0119% | 348 |
Pretax return on assets | 2.1174% | 449 |
Return on Equity (ROE) | 11.3350% | 1,544 |
Retained earnings to average equity (ytd only) | 10.5246% | 485 |
Net charge-offs to loans | -0.0089% | 4,743 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.7725% | 5,815 |
Assets per employee ($millions) | 6.2702% | 1,251 |
Cash dividends to net income (ytd only)* | 7.1499% | 3,630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3827% | 2,275 |
Loan loss allowance to noncurrent loans | 79.5720% | 4,062 |
Noncurrent assets plus other real estate owned to assets | 1.0251% | 2,012 |
Noncurrent loans to loans | 1.7377% | 1,199 |
Net loans and leases to total assets | 42.2925% | 5,280 |
Net loans and leases to deposits | 55.6956% | 5,015 |
Net loans and leases to core deposits | 60.2997% | 4,920 |
Total domestic deposits to total assets | 75.9352% | 5,241 |
Equity capital to assets | 18.4785% | 306 |
Core capital (leverage) ratio | 17.9807% | 307 |
Tier 1 risk-based capital ratio | 31.8492% | 415 |
Total risk-based capital ratio | 32.8952% | 416 |
Memoranda: | ||
Average total assets | $69,517,750 | 4,984 |
Average earning assets | $64,805,000 | 4,965 |
Average equity | $12,339,000 | 4,241 |
Average total loans | $29,878,250 | 5,239 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0814% | 2,937 |
Cost of funding earning assets | 0.4939% | 2,157 |
Net interest margin | 3.5875% | 3,146 |
Noninterest income to average assets | 0.3329% | 4,402 |
Noninterest expense to average assets | 1.4146% | 5,895 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 2.1234% | 260 |
Return on assets (ROA) | 2.1234% | 275 |
Pretax return on assets | 2.2324% | 353 |
Return on Equity (ROE) | 12.1275% | 1,268 |
Retained earnings to average equity (ytd only) | 12.1275% | 307 |
Net charge-offs to loans | -0.0067% | 4,595 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 38.7884% | 5,930 |
Assets per employee ($millions) | 7.0505% | 855 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4048% | 2,277 |
Loan loss allowance to noncurrent loans | 79.2233% | 4,138 |
Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,912 |
Noncurrent loans to loans | 1.7732% | 1,176 |
Net loans and leases to total assets | 40.6156% | 5,390 |
Net loans and leases to deposits | 52.9424% | 5,205 |
Net loans and leases to core deposits | 57.1691% | 5,118 |
Total domestic deposits to total assets | 76.7165% | 5,193 |
Equity capital to assets | 17.8186% | 356 |
Core capital (leverage) ratio | 17.2067% | 349 |
Tier 1 risk-based capital ratio | 30.4802% | 476 |
Total risk-based capital ratio | 31.5083% | 480 |
Memoranda: | ||
Average total assets | $69,699,670 | 5,028 |
Average earning assets | $64,390,000 | 5,020 |
Average equity | $12,203,670 | 4,282 |
Average total loans | $29,978,000 | 5,298 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8580% | 3,744 |
Cost of funding earning assets | 0.5140% | 1,994 |
Net interest margin | 3.3440% | 4,067 |
Noninterest income to average assets | 0.5022% | 3,097 |
Noninterest expense to average assets | 1.5239% | 5,895 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 2.0030% | 330 |
Return on assets (ROA) | 2.0030% | 344 |
Pretax return on assets | 2.0953% | 469 |
Return on Equity (ROE) | 11.5436% | 1,446 |
Retained earnings to average equity (ytd only) | 11.5436% | 571 |
Net charge-offs to loans | -0.0131% | 4,650 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.1053% | 5,918 |
Assets per employee ($millions) | 6.9563% | 911 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3081% | 2,863 |
Loan loss allowance to noncurrent loans | 82.2581% | 4,039 |
Noncurrent assets plus other real estate owned to assets | 1.0954% | 2,015 |
Noncurrent loans to loans | 1.5902% | 1,462 |
Net loans and leases to total assets | 44.2520% | 5,229 |
Net loans and leases to deposits | 57.4953% | 4,887 |
Net loans and leases to core deposits | 62.1364% | 4,815 |
Total domestic deposits to total assets | 76.9662% | 5,292 |
Equity capital to assets | 17.5366% | 373 |
Core capital (leverage) ratio | 17.2117% | 354 |
Tier 1 risk-based capital ratio | 29.0711% | 547 |
Total risk-based capital ratio | 30.0740% | 543 |
Memoranda: | ||
Average total assets | $69,297,000 | 5,086 |
Average earning assets | $64,592,500 | 5,059 |
Average equity | $12,024,000 | 4,332 |
Average total loans | $30,445,000 | 5,322 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9626% | 3,458 |
Cost of funding earning assets | 0.5007% | 2,147 |
Net interest margin | 3.4618% | 3,670 |
Noninterest income to average assets | 0.3591% | 4,331 |
Noninterest expense to average assets | 1.7146% | 5,830 |
Loan and lease loss provision to assets | 0.1448% | 1,638 |
Net operating income to assets | 1.6465% | 638 |
Return on assets (ROA) | 1.6465% | 658 |
Pretax return on assets | 1.7435% | 910 |
Return on Equity (ROE) | 9.8923% | 2,050 |
Retained earnings to average equity (ytd only) | 8.1522% | 865 |
Net charge-offs to loans | 3.2594% | 28 |
Credit loss provision to net charge-offs | 9.5694% | 3,824 |
Earnings coverage of net charge-offs (x) | 1.2478% | 4,121 |
Efficiency ratio | 47.5884% | 5,856 |
Assets per employee ($millions) | 6.2755% | 1,216 |
Cash dividends to net income (ytd only)* | 17.5901% | 3,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3704% | 2,555 |
Loan loss allowance to noncurrent loans | 86.7804% | 3,978 |
Noncurrent assets plus other real estate owned to assets | 1.3545% | 1,552 |
Noncurrent loans to loans | 1.5792% | 1,455 |
Net loans and leases to total assets | 42.4331% | 5,380 |
Net loans and leases to deposits | 55.6702% | 5,068 |
Net loans and leases to core deposits | 59.3352% | 5,028 |
Total domestic deposits to total assets | 76.2223% | 5,418 |
Equity capital to assets | 17.1648% | 391 |
Core capital (leverage) ratio | 16.8171% | 386 |
Tier 1 risk-based capital ratio | 26.4748% | 708 |
Total risk-based capital ratio | 27.4134% | 709 |
Memoranda: | ||
Average total assets | $69,056,000 | 5,110 |
Average earning assets | $64,705,600 | 5,068 |
Average equity | $11,493,800 | 4,394 |
Average total loans | $32,060,800 | 5,294 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9737% | 3,449 |
Cost of funding earning assets | 0.5093% | 2,127 |
Net interest margin | 3.4644% | 3,697 |
Noninterest income to average assets | 0.3707% | 4,279 |
Noninterest expense to average assets | 1.6989% | 5,901 |
Loan and lease loss provision to assets | 0.1931% | 1,047 |
Net operating income to assets | 1.6371% | 708 |
Return on assets (ROA) | 1.6371% | 732 |
Pretax return on assets | 1.7356% | 1,015 |
Return on Equity (ROE) | 9.9135% | 2,139 |
Retained earnings to average equity (ytd only) | 9.9135% | 646 |
Net charge-offs to loans | 4.2713% | 14 |
Credit loss provision to net charge-offs | 9.5602% | 3,456 |
Earnings coverage of net charge-offs (x) | 0.9551% | 3,894 |
Efficiency ratio | 46.8334% | 5,929 |
Assets per employee ($millions) | 6.0753% | 1,317 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3278% | 2,961 |
Loan loss allowance to noncurrent loans | 72.7599% | 4,343 |
Noncurrent assets plus other real estate owned to assets | 1.8301% | 1,161 |
Noncurrent loans to loans | 1.8248% | 1,292 |
Net loans and leases to total assets | 45.1487% | 5,281 |
Net loans and leases to deposits | 59.8793% | 4,869 |
Net loans and leases to core deposits | 63.6715% | 4,836 |
Total domestic deposits to total assets | 75.3995% | 5,586 |
Equity capital to assets | 17.6229% | 375 |
Core capital (leverage) ratio | 17.2385% | 358 |
Tier 1 risk-based capital ratio | 29.0305% | 567 |
Total risk-based capital ratio | 30.0652% | 573 |
Memoranda: | ||
Average total assets | $69,062,250 | 5,173 |
Average earning assets | $64,924,750 | 5,121 |
Average equity | $11,405,000 | 4,457 |
Average total loans | $32,651,250 | 5,336 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0100% | 3,247 |
Cost of funding earning assets | 0.5257% | 2,022 |
Net interest margin | 3.4843% | 3,562 |
Noninterest income to average assets | 0.3524% | 4,443 |
Noninterest expense to average assets | 1.6359% | 6,030 |
Loan and lease loss provision to assets | 0.2865% | 559 |
Net operating income to assets | 1.5987% | 744 |
Return on assets (ROA) | 1.5987% | 770 |
Pretax return on assets | 1.6961% | 1,091 |
Return on Equity (ROE) | 9.8927% | 2,122 |
Retained earnings to average equity (ytd only) | 9.8927% | 687 |
Net charge-offs to loans | 6.2743% | 5 |
Credit loss provision to net charge-offs | 9.5602% | 3,100 |
Earnings coverage of net charge-offs (x) | 0.6616% | 3,634 |
Efficiency ratio | 45.2098% | 6,067 |
Assets per employee ($millions) | 6.0993% | 1,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3181% | 3,146 |
Loan loss allowance to noncurrent loans | 87.3118% | 4,022 |
Noncurrent assets plus other real estate owned to assets | 1.8676% | 1,222 |
Noncurrent loans to loans | 1.5096% | 1,764 |
Net loans and leases to total assets | 45.3064% | 5,299 |
Net loans and leases to deposits | 59.4237% | 4,899 |
Net loans and leases to core deposits | 62.4104% | 4,912 |
Total domestic deposits to total assets | 76.2431% | 5,568 |
Equity capital to assets | 17.1153% | 406 |
Core capital (leverage) ratio | 16.2838% | 431 |
Tier 1 risk-based capital ratio | 27.9622% | 641 |
Total risk-based capital ratio | 28.9849% | 652 |
Memoranda: | ||
Average total assets | $69,807,000 | 5,219 |
Average earning assets | $65,436,000 | 5,165 |
Average equity | $11,281,000 | 4,514 |
Average total loans | $33,342,330 | 5,352 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0944% | 2,854 |
Cost of funding earning assets | 0.5523% | 1,819 |
Net interest margin | 3.5421% | 3,254 |
Noninterest income to average assets | 0.2810% | 4,929 |
Noninterest expense to average assets | 1.5457% | 6,147 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.9335% | 384 |
Return on assets (ROA) | 1.9335% | 403 |
Pretax return on assets | 2.0516% | 535 |
Return on Equity (ROE) | 12.3077% | 1,268 |
Retained earnings to average equity (ytd only) | 12.3077% | 530 |
Net charge-offs to loans | -0.0116% | 4,778 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.9688% | 6,209 |
Assets per employee ($millions) | 6.4595% | 1,098 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9528% | 134 |
Loan loss allowance to noncurrent loans | 153.5755% | 2,746 |
Noncurrent assets plus other real estate owned to assets | 2.5178% | 855 |
Noncurrent loans to loans | 2.5738% | 933 |
Net loans and leases to total assets | 46.2684% | 5,183 |
Net loans and leases to deposits | 59.5407% | 4,777 |
Net loans and leases to core deposits | 66.0572% | 4,514 |
Total domestic deposits to total assets | 77.7088% | 5,504 |
Equity capital to assets | 15.9778% | 547 |
Core capital (leverage) ratio | 15.4898% | 535 |
Tier 1 risk-based capital ratio | 26.0168% | 783 |
Total risk-based capital ratio | 27.2905% | 764 |
Memoranda: | ||
Average total assets | $71,164,500 | 5,231 |
Average earning assets | $66,627,000 | 5,177 |
Average equity | $11,180,000 | 4,566 |
Average total loans | $34,612,000 | 5,341 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0195% | 3,655 |
Cost of funding earning assets | 0.7549% | 827 |
Net interest margin | 3.2645% | 4,706 |
Noninterest income to average assets | 0.2224% | 5,535 |
Noninterest expense to average assets | 1.4922% | 6,299 |
Loan and lease loss provision to assets | 0.1049% | 2,402 |
Net operating income to assets | 1.6264% | 673 |
Return on assets (ROA) | 1.6264% | 703 |
Pretax return on assets | 1.7215% | 939 |
Return on Equity (ROE) | 11.0306% | 1,719 |
Retained earnings to average equity (ytd only) | 9.8924% | 536 |
Net charge-offs to loans | 0.8944% | 362 |
Credit loss provision to net charge-offs | 24.6711% | 3,917 |
Earnings coverage of net charge-offs (x) | 4.2961% | 3,690 |
Efficiency ratio | 44.9642% | 6,300 |
Assets per employee ($millions) | 7.1274% | 792 |
Cash dividends to net income (ytd only)* | 10.3181% | 4,108 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8634% | 145 |
Loan loss allowance to noncurrent loans | 143.6769% | 2,903 |
Noncurrent assets plus other real estate owned to assets | 2.6349% | 855 |
Noncurrent loans to loans | 2.6890% | 904 |
Net loans and leases to total assets | 47.2023% | 5,230 |
Net loans and leases to deposits | 60.3516% | 4,875 |
Net loans and leases to core deposits | 66.1002% | 4,662 |
Total domestic deposits to total assets | 78.2123% | 5,393 |
Equity capital to assets | 15.4432% | 620 |
Core capital (leverage) ratio | 14.9068% | 625 |
Tier 1 risk-based capital ratio | 18.0648% | 2,112 |
Total risk-based capital ratio | 19.3276% | 2,076 |
Memoranda: | ||
Average total assets | $71,507,000 | 5,245 |
Average earning assets | $67,819,600 | 5,179 |
Average equity | $10,543,400 | 4,645 |
Average total loans | $33,990,200 | 5,400 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2304% | 2,886 |
Cost of funding earning assets | 0.7656% | 817 |
Net interest margin | 3.4648% | 3,964 |
Noninterest income to average assets | 0.1844% | 5,814 |
Noninterest expense to average assets | 1.3060% | 6,454 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 2.0438% | 319 |
Return on assets (ROA) | 2.0438% | 333 |
Pretax return on assets | 2.1667% | 395 |
Return on Equity (ROE) | 14.0267% | 976 |
Retained earnings to average equity (ytd only) | 13.1316% | 319 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.6073% | 6,490 |
Assets per employee ($millions) | 7.0285% | 797 |
Cash dividends to net income (ytd only)* | 6.3810% | 3,667 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4514% | 109 |
Loan loss allowance to noncurrent loans | 69.1299% | 4,510 |
Noncurrent assets plus other real estate owned to assets | 3.5527% | 597 |
Noncurrent loans to loans | 6.4392% | 198 |
Net loans and leases to total assets | 48.2834% | 5,181 |
Net loans and leases to deposits | 67.0486% | 4,233 |
Net loans and leases to core deposits | 69.7310% | 4,347 |
Total domestic deposits to total assets | 72.0125% | 6,170 |
Equity capital to assets | 15.6861% | 607 |
Core capital (leverage) ratio | 15.1492% | 596 |
Tier 1 risk-based capital ratio | 18.2185% | 2,144 |
Total risk-based capital ratio | 19.4870% | 2,102 |
Memoranda: | ||
Average total assets | $71,565,250 | 5,296 |
Average earning assets | $67,919,000 | 5,228 |
Average equity | $10,427,500 | 4,702 |
Average total loans | $33,739,000 | 5,462 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2321% | 2,836 |
Cost of funding earning assets | 0.7641% | 860 |
Net interest margin | 3.4680% | 3,904 |
Noninterest income to average assets | 0.1472% | 6,078 |
Noninterest expense to average assets | 1.2946% | 6,527 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 2.0224% | 322 |
Return on assets (ROA) | 2.0224% | 338 |
Pretax return on assets | 2.1308% | 420 |
Return on Equity (ROE) | 14.2350% | 911 |
Retained earnings to average equity (ytd only) | 13.2573% | 316 |
Net charge-offs to loans | 0.0060% | 4,170 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 767.0000% | 87 |
Efficiency ratio | 37.7940% | 6,556 |
Assets per employee ($millions) | 7.0355% | 788 |
Cash dividends to net income (ytd only)* | 6.8681% | 3,524 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6326% | 104 |
Loan loss allowance to noncurrent loans | 70.7568% | 4,479 |
Noncurrent assets plus other real estate owned to assets | 3.4724% | 679 |
Noncurrent loans to loans | 6.5472% | 208 |
Net loans and leases to total assets | 46.2313% | 5,341 |
Net loans and leases to deposits | 59.0770% | 4,942 |
Net loans and leases to core deposits | 62.1211% | 4,960 |
Total domestic deposits to total assets | 78.2560% | 5,586 |
Equity capital to assets | 15.1247% | 674 |
Core capital (leverage) ratio | 14.4379% | 718 |
Tier 1 risk-based capital ratio | 17.8324% | 2,297 |
Total risk-based capital ratio | 19.1008% | 2,263 |
Memoranda: | ||
Average total assets | $71,992,000 | 5,333 |
Average earning assets | $68,051,000 | 5,267 |
Average equity | $10,228,330 | 4,757 |
Average total loans | $33,146,330 | 5,528 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0440% | 3,507 |
Cost of funding earning assets | 0.7725% | 870 |
Net interest margin | 3.2714% | 4,663 |
Noninterest income to average assets | 0.1593% | 6,016 |
Noninterest expense to average assets | 1.2416% | 6,616 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.8898% | 400 |
Return on assets (ROA) | 1.8898% | 422 |
Pretax return on assets | 1.9887% | 544 |
Return on Equity (ROE) | 13.7298% | 995 |
Retained earnings to average equity (ytd only) | 13.7298% | 418 |
Net charge-offs to loans | 0.0122% | 3,362 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 362.0000% | 130 |
Efficiency ratio | 38.4354% | 6,613 |
Assets per employee ($millions) | 7.3565% | 677 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6551% | 116 |
Loan loss allowance to noncurrent loans | 68.1034% | 4,554 |
Noncurrent assets plus other real estate owned to assets | 3.4391% | 763 |
Noncurrent loans to loans | 6.8354% | 233 |
Net loans and leases to total assets | 43.9897% | 5,518 |
Net loans and leases to deposits | 55.0722% | 5,191 |
Net loans and leases to core deposits | 60.2457% | 5,016 |
Total domestic deposits to total assets | 79.8763% | 5,509 |
Equity capital to assets | 13.9183% | 944 |
Core capital (leverage) ratio | 13.5986% | 947 |
Tier 1 risk-based capital ratio | 16.8645% | 2,748 |
Total risk-based capital ratio | 18.1323% | 2,700 |
Memoranda: | ||
Average total assets | $72,810,500 | 5,370 |
Average earning assets | $68,349,000 | 5,307 |
Average equity | $10,022,000 | 4,814 |
Average total loans | $32,666,500 | 5,599 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1535% | 3,526 |
Cost of funding earning assets | 0.8383% | 1,005 |
Net interest margin | 3.3152% | 4,605 |
Noninterest income to average assets | 0.3478% | 4,833 |
Noninterest expense to average assets | 1.3703% | 6,644 |
Loan and lease loss provision to assets | 0.2782% | 1,246 |
Net operating income to assets | 1.7556% | 526 |
Return on assets (ROA) | 1.7556% | 539 |
Pretax return on assets | 1.8460% | 686 |
Return on Equity (ROE) | 13.3300% | 1,105 |
Retained earnings to average equity (ytd only) | 11.2174% | 394 |
Net charge-offs to loans | 0.1603% | 3,203 |
Credit loss provision to net charge-offs | 400.0000% | 566 |
Earnings coverage of net charge-offs (x) | 30.5400% | 1,171 |
Efficiency ratio | 39.2118% | 6,702 |
Assets per employee ($millions) | 7.2056% | 688 |
Cash dividends to net income (ytd only)* | 15.8479% | 3,857 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.0363% | 91 |
Loan loss allowance to noncurrent loans | 68.1466% | 4,539 |
Noncurrent assets plus other real estate owned to assets | 3.5972% | 793 |
Noncurrent loans to loans | 7.3904% | 219 |
Net loans and leases to total assets | 41.3720% | 5,864 |
Net loans and leases to deposits | 51.6870% | 5,648 |
Net loans and leases to core deposits | 56.8587% | 5,476 |
Total domestic deposits to total assets | 80.0433% | 5,436 |
Equity capital to assets | 13.6075% | 1,032 |
Core capital (leverage) ratio | 13.3009% | 1,022 |
Tier 1 risk-based capital ratio | 16.7693% | 2,733 |
Total risk-based capital ratio | 18.0385% | 2,671 |
Memoranda: | ||
Average total assets | $71,884,200 | 5,419 |
Average earning assets | $68,232,000 | 5,344 |
Average equity | $9,467,400 | 4,989 |
Average total loans | $31,187,400 | 5,701 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1500% | 3,565 |
Cost of funding earning assets | 0.8503% | 1,043 |
Net interest margin | 3.2996% | 4,638 |
Noninterest income to average assets | 0.4102% | 4,451 |
Noninterest expense to average assets | 1.3418% | 6,721 |
Loan and lease loss provision to assets | 0.3712% | 843 |
Net operating income to assets | 1.7408% | 593 |
Return on assets (ROA) | 1.7408% | 614 |
Pretax return on assets | 1.8299% | 839 |
Return on Equity (ROE) | 13.3288% | 1,160 |
Retained earnings to average equity (ytd only) | 11.6236% | 482 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.8732% | 6,781 |
Assets per employee ($millions) | 7.0045% | 749 |
Cash dividends to net income (ytd only)* | 12.7934% | 3,367 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.3010% | 88 |
Loan loss allowance to noncurrent loans | 68.2712% | 4,482 |
Noncurrent assets plus other real estate owned to assets | 3.9003% | 811 |
Noncurrent loans to loans | 7.7646% | 238 |
Net loans and leases to total assets | 41.5975% | 5,925 |
Net loans and leases to deposits | 54.6394% | 5,481 |
Net loans and leases to core deposits | 58.0199% | 5,449 |
Total domestic deposits to total assets | 76.1311% | 6,155 |
Equity capital to assets | 13.7326% | 1,041 |
Core capital (leverage) ratio | 13.3404% | 1,082 |
Tier 1 risk-based capital ratio | 16.4189% | 2,978 |
Total risk-based capital ratio | 17.6890% | 2,935 |
Memoranda: | ||
Average total assets | $71,841,250 | 5,477 |
Average earning assets | $68,208,000 | 5,401 |
Average equity | $9,383,000 | 5,060 |
Average total loans | $31,136,250 | 5,759 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1850% | 3,431 |
Cost of funding earning assets | 0.8603% | 1,082 |
Net interest margin | 3.3247% | 4,471 |
Noninterest income to average assets | 0.1795% | 6,136 |
Noninterest expense to average assets | 1.3473% | 6,757 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.8719% | 451 |
Return on assets (ROA) | 1.8609% | 489 |
Pretax return on assets | 1.9685% | 642 |
Return on Equity (ROE) | 14.4879% | 910 |
Retained earnings to average equity (ytd only) | 12.7682% | 410 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.4979% | 6,786 |
Assets per employee ($millions) | 7.1246% | 684 |
Cash dividends to net income (ytd only)* | 11.8694% | 3,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6889% | 149 |
Loan loss allowance to noncurrent loans | 76.5241% | 4,159 |
Noncurrent assets plus other real estate owned to assets | 3.6395% | 1,026 |
Noncurrent loans to loans | 6.1273% | 445 |
Net loans and leases to total assets | 40.8276% | 5,985 |
Net loans and leases to deposits | 50.7910% | 5,784 |
Net loans and leases to core deposits | 54.8024% | 5,687 |
Total domestic deposits to total assets | 80.3835% | 5,513 |
Equity capital to assets | 13.1474% | 1,284 |
Core capital (leverage) ratio | 12.5976% | 1,320 |
Tier 1 risk-based capital ratio | 15.8298% | 3,299 |
Total risk-based capital ratio | 17.0952% | 3,241 |
Memoranda: | ||
Average total assets | $72,440,000 | 5,499 |
Average earning assets | $68,577,670 | 5,433 |
Average equity | $9,304,330 | 5,107 |
Average total loans | $31,259,000 | 5,792 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1264% | 3,618 |
Cost of funding earning assets | 0.8623% | 1,193 |
Net interest margin | 3.2641% | 4,662 |
Noninterest income to average assets | 0.1862% | 6,141 |
Noninterest expense to average assets | 1.6320% | 6,641 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.5444% | 776 |
Return on assets (ROA) | 1.5170% | 908 |
Pretax return on assets | 1.6156% | 1,268 |
Return on Equity (ROE) | 11.9487% | 1,437 |
Retained earnings to average equity (ytd only) | 10.2232% | 1,052 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.8328% | 6,513 |
Assets per employee ($millions) | 7.3969% | 633 |
Cash dividends to net income (ytd only)* | 14.4404% | 2,398 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6762% | 173 |
Loan loss allowance to noncurrent loans | 77.6873% | 4,032 |
Noncurrent assets plus other real estate owned to assets | 3.4663% | 1,228 |
Noncurrent loans to loans | 6.0192% | 550 |
Net loans and leases to total assets | 39.4368% | 6,041 |
Net loans and leases to deposits | 48.6500% | 5,872 |
Net loans and leases to core deposits | 54.8008% | 5,618 |
Total domestic deposits to total assets | 81.0623% | 5,478 |
Equity capital to assets | 12.6634% | 1,609 |
Core capital (leverage) ratio | 12.1054% | 1,509 |
Tier 1 risk-based capital ratio | 14.7084% | 4,033 |
Total risk-based capital ratio | 15.9732% | 3,990 |
Memoranda: | ||
Average total assets | $73,037,000 | 5,534 |
Average earning assets | $69,116,000 | 5,459 |
Average equity | $9,273,000 | 5,162 |
Average total loans | $31,629,000 | 5,812 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8174% | 2,130 |
Cost of funding earning assets | 1.0140% | 1,282 |
Net interest margin | 3.8033% | 3,211 |
Noninterest income to average assets | 0.2267% | 5,820 |
Noninterest expense to average assets | 1.4228% | 6,904 |
Loan and lease loss provision to assets | 1.5177% | 210 |
Net operating income to assets | 0.7950% | 3,311 |
Return on assets (ROA) | 0.4067% | 5,328 |
Pretax return on assets | 0.4591% | 5,402 |
Return on Equity (ROE) | 3.1053% | 5,513 |
Retained earnings to average equity (ytd only) | -1.7312% | 6,124 |
Net charge-offs to loans | 1.2422% | 799 |
Credit loss provision to net charge-offs | 248.4919% | 989 |
Earnings coverage of net charge-offs (x) | 3.8724% | 3,563 |
Efficiency ratio | 37.5608% | 6,978 |
Assets per employee ($millions) | 6.5550% | 980 |
Cash dividends to net income (ytd only)* | 155.7491% | 196 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3820% | 211 |
Loan loss allowance to noncurrent loans | 72.7134% | 4,164 |
Noncurrent assets plus other real estate owned to assets | 3.3978% | 1,349 |
Noncurrent loans to loans | 6.0265% | 595 |
Net loans and leases to total assets | 43.3049% | 5,881 |
Net loans and leases to deposits | 55.5210% | 5,491 |
Net loans and leases to core deposits | 59.1405% | 5,440 |
Total domestic deposits to total assets | 77.9974% | 6,081 |
Equity capital to assets | 12.7300% | 1,578 |
Core capital (leverage) ratio | 11.8765% | 1,631 |
Tier 1 risk-based capital ratio | 14.8470% | 3,805 |
Total risk-based capital ratio | 16.1121% | 3,748 |
Memoranda: | ||
Average total assets | $70,565,400 | 5,614 |
Average earning assets | $66,073,600 | 5,548 |
Average equity | $9,242,200 | 5,158 |
Average total loans | $34,695,200 | 5,728 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8629% | 2,145 |
Cost of funding earning assets | 1.0445% | 1,309 |
Net interest margin | 3.8184% | 3,252 |
Noninterest income to average assets | 0.1995% | 6,102 |
Noninterest expense to average assets | 1.3755% | 7,002 |
Loan and lease loss provision to assets | 2.0347% | 112 |
Net operating income to assets | 0.2603% | 5,748 |
Return on assets (ROA) | 0.2603% | 5,938 |
Pretax return on assets | 0.3591% | 5,816 |
Return on Equity (ROE) | 1.9730% | 6,027 |
Retained earnings to average equity (ytd only) | -4.4645% | 6,585 |
Net charge-offs to loans | 1.6323% | 512 |
Credit loss provision to net charge-offs | 248.4919% | 1,115 |
Earnings coverage of net charge-offs (x) | 2.9234% | 3,859 |
Efficiency ratio | 36.4919% | 7,066 |
Assets per employee ($millions) | 6.2645% | 1,089 |
Cash dividends to net income (ytd only)* | 326.2838% | 27 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2732% | 250 |
Loan loss allowance to noncurrent loans | 94.8939% | 3,382 |
Noncurrent assets plus other real estate owned to assets | 2.9445% | 1,778 |
Noncurrent loans to loans | 4.5031% | 1,044 |
Net loans and leases to total assets | 46.5208% | 5,709 |
Net loans and leases to deposits | 58.1427% | 5,419 |
Net loans and leases to core deposits | 61.4825% | 5,409 |
Total domestic deposits to total assets | 80.0113% | 5,652 |
Equity capital to assets | 13.0520% | 1,573 |
Core capital (leverage) ratio | 11.8437% | 1,751 |
Tier 1 risk-based capital ratio | 22.1096% | 1,313 |
Total risk-based capital ratio | 23.3821% | 1,287 |
Memoranda: | ||
Average total assets | $70,180,500 | 5,690 |
Average earning assets | $65,610,750 | 5,626 |
Average equity | $9,258,000 | 5,207 |
Average total loans | $35,205,000 | 5,783 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2992% | 1,061 |
Cost of funding earning assets | 1.0586% | 1,419 |
Net interest margin | 4.2406% | 1,636 |
Noninterest income to average assets | 0.1870% | 6,231 |
Noninterest expense to average assets | 1.3824% | 7,063 |
Loan and lease loss provision to assets | 0.9206% | 501 |
Net operating income to assets | 1.7534% | 612 |
Return on assets (ROA) | 1.7534% | 686 |
Pretax return on assets | 1.8554% | 927 |
Return on Equity (ROE) | 13.2463% | 1,296 |
Retained earnings to average equity (ytd only) | 5.6067% | 2,929 |
Net charge-offs to loans | 2.2752% | 328 |
Credit loss provision to net charge-offs | 79.8526% | 3,324 |
Earnings coverage of net charge-offs (x) | 2.4079% | 3,792 |
Efficiency ratio | 33.2425% | 7,149 |
Assets per employee ($millions) | 5.9573% | 1,266 |
Cash dividends to net income (ytd only)* | 57.6737% | 1,454 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9925% | 2,253 |
Loan loss allowance to noncurrent loans | 25.5772% | 6,337 |
Noncurrent assets plus other real estate owned to assets | 5.0135% | 948 |
Noncurrent loans to loans | 7.7900% | 452 |
Net loans and leases to total assets | 48.7851% | 5,524 |
Net loans and leases to deposits | 60.9415% | 5,147 |
Net loans and leases to core deposits | 65.4524% | 5,060 |
Total domestic deposits to total assets | 80.0523% | 5,727 |
Equity capital to assets | 13.2500% | 1,412 |
Core capital (leverage) ratio | 12.5072% | 1,347 |
Tier 1 risk-based capital ratio | 21.1148% | 1,459 |
Total risk-based capital ratio | 22.3708% | 1,432 |
Memoranda: | ||
Average total assets | $70,604,330 | 5,719 |
Average earning assets | $66,123,000 | 5,642 |
Average equity | $9,346,000 | 5,198 |
Average total loans | $35,777,330 | 5,797 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3432% | 1,022 |
Cost of funding earning assets | 1.0979% | 1,417 |
Net interest margin | 4.2453% | 1,623 |
Noninterest income to average assets | 0.1824% | 6,286 |
Noninterest expense to average assets | 1.4994% | 7,064 |
Loan and lease loss provision to assets | 0.8323% | 570 |
Net operating income to assets | 1.7160% | 698 |
Return on assets (ROA) | 1.7160% | 779 |
Pretax return on assets | 1.8186% | 1,039 |
Return on Equity (ROE) | 12.9699% | 1,412 |
Retained earnings to average equity (ytd only) | 12.9699% | 686 |
Net charge-offs to loans | 1.6279% | 602 |
Credit loss provision to net charge-offs | 100.0000% | 2,289 |
Earnings coverage of net charge-offs (x) | 3.1849% | 2,929 |
Efficiency ratio | 36.1264% | 7,180 |
Assets per employee ($millions) | 6.5445% | 948 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2177% | 1,849 |
Loan loss allowance to noncurrent loans | 46.7494% | 5,264 |
Noncurrent assets plus other real estate owned to assets | 3.8617% | 1,444 |
Noncurrent loans to loans | 4.7437% | 1,202 |
Net loans and leases to total assets | 48.4477% | 5,502 |
Net loans and leases to deposits | 60.3993% | 5,104 |
Net loans and leases to core deposits | 64.8271% | 5,031 |
Total domestic deposits to total assets | 80.2123% | 5,803 |
Equity capital to assets | 13.1353% | 1,384 |
Core capital (leverage) ratio | 12.7032% | 1,240 |
Tier 1 risk-based capital ratio | 20.9418% | 1,504 |
Total risk-based capital ratio | 22.2220% | 1,471 |
Memoranda: | ||
Average total assets | $70,163,000 | 5,767 |
Average earning assets | $65,578,500 | 5,699 |
Average equity | $9,283,000 | 5,218 |
Average total loans | $35,874,000 | 5,831 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4994% | 1,175 |
Cost of funding earning assets | 1.2962% | 1,500 |
Net interest margin | 4.2032% | 2,044 |
Noninterest income to average assets | 0.2096% | 6,019 |
Noninterest expense to average assets | 1.3393% | 7,230 |
Loan and lease loss provision to assets | 0.5351% | 1,962 |
Net operating income to assets | 2.1711% | 237 |
Return on assets (ROA) | 2.1867% | 243 |
Pretax return on assets | 2.3041% | 295 |
Return on Equity (ROE) | 16.9822% | 475 |
Retained earnings to average equity (ytd only) | 4.8603% | 2,740 |
Net charge-offs to loans | 0.0159% | 6,213 |
Credit loss provision to net charge-offs | 6,000.0000% | 38 |
Earnings coverage of net charge-offs (x) | 316.5000% | 114 |
Efficiency ratio | 32.1786% | 7,282 |
Assets per employee ($millions) | 6.2125% | 1,096 |
Cash dividends to net income (ytd only)* | 71.3800% | 1,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1924% | 1,809 |
Loan loss allowance to noncurrent loans | 33.2493% | 5,987 |
Noncurrent assets plus other real estate owned to assets | 4.1705% | 1,361 |
Noncurrent loans to loans | 6.5937% | 701 |
Net loans and leases to total assets | 51.6397% | 5,369 |
Net loans and leases to deposits | 64.8838% | 4,893 |
Net loans and leases to core deposits | 69.5254% | 4,847 |
Total domestic deposits to total assets | 79.5879% | 5,847 |
Equity capital to assets | 13.3310% | 1,347 |
Core capital (leverage) ratio | 12.3529% | 1,411 |
Tier 1 risk-based capital ratio | 21.0030% | 1,408 |
Total risk-based capital ratio | 21.8677% | 1,461 |
Memoranda: | ||
Average total assets | $67,271,800 | 5,827 |
Average earning assets | $63,261,800 | 5,760 |
Average equity | $8,662,000 | 5,369 |
Average total loans | $37,638,200 | 5,803 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5288% | 1,187 |
Cost of funding earning assets | 1.3366% | 1,520 |
Net interest margin | 4.1922% | 2,134 |
Noninterest income to average assets | 0.1950% | 6,204 |
Noninterest expense to average assets | 1.3292% | 7,303 |
Loan and lease loss provision to assets | 0.7163% | 1,337 |
Net operating income to assets | 1.9436% | 386 |
Return on assets (ROA) | 1.9640% | 403 |
Pretax return on assets | 2.1033% | 518 |
Return on Equity (ROE) | 15.3915% | 766 |
Retained earnings to average equity (ytd only) | 2.1364% | 5,067 |
Net charge-offs to loans | 0.0175% | 5,909 |
Credit loss provision to net charge-offs | 7,200.0000% | 39 |
Earnings coverage of net charge-offs (x) | 281.0525% | 133 |
Efficiency ratio | 32.2083% | 7,346 |
Assets per employee ($millions) | 5.6852% | 1,433 |
Cash dividends to net income (ytd only)* | 86.1197% | 500 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1197% | 2,024 |
Loan loss allowance to noncurrent loans | 29.3333% | 6,291 |
Noncurrent assets plus other real estate owned to assets | 3.9577% | 1,548 |
Noncurrent loans to loans | 7.2264% | 669 |
Net loans and leases to total assets | 53.6059% | 5,228 |
Net loans and leases to deposits | 67.0781% | 4,751 |
Net loans and leases to core deposits | 72.4322% | 4,658 |
Total domestic deposits to total assets | 79.9156% | 5,760 |
Equity capital to assets | 12.9489% | 1,639 |
Core capital (leverage) ratio | 12.3254% | 1,526 |
Tier 1 risk-based capital ratio | 20.1640% | 1,648 |
Total risk-based capital ratio | 21.4447% | 1,609 |
Memoranda: | ||
Average total assets | $67,005,500 | 5,875 |
Average earning assets | $62,845,500 | 5,814 |
Average equity | $8,550,000 | 5,423 |
Average total loans | $38,027,750 | 5,835 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6652% | 934 |
Cost of funding earning assets | 1.2915% | 1,997 |
Net interest margin | 4.3738% | 1,456 |
Noninterest income to average assets | 0.1772% | 6,388 |
Noninterest expense to average assets | 1.2132% | 7,421 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 2.9347% | 106 |
Return on assets (ROA) | 2.9489% | 108 |
Pretax return on assets | 3.1081% | 133 |
Return on Equity (ROE) | 23.2280% | 190 |
Retained earnings to average equity (ytd only) | 4.3050% | 3,454 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 28.1729% | 7,448 |
Assets per employee ($millions) | 6.1039% | 1,135 |
Cash dividends to net income (ytd only)* | 81.4664% | 761 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1245% | 5,851 |
Loan loss allowance to noncurrent loans | 24.0771% | 6,572 |
Noncurrent assets plus other real estate owned to assets | 2.7032% | 2,477 |
Noncurrent loans to loans | 4.6703% | 1,411 |
Net loans and leases to total assets | 57.2301% | 4,781 |
Net loans and leases to deposits | 71.9548% | 4,121 |
Net loans and leases to core deposits | 75.4709% | 4,378 |
Total domestic deposits to total assets | 79.5362% | 5,947 |
Equity capital to assets | 12.9500% | 1,540 |
Core capital (leverage) ratio | 12.4196% | 1,400 |
Tier 1 risk-based capital ratio | 17.6754% | 2,275 |
Total risk-based capital ratio | 18.5996% | 2,370 |
Memoranda: | ||
Average total assets | $66,600,000 | 5,937 |
Average earning assets | $62,874,670 | 5,859 |
Average equity | $8,455,330 | 5,471 |
Average total loans | $38,249,330 | 5,876 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7132% | 858 |
Cost of funding earning assets | 1.2582% | 2,447 |
Net interest margin | 4.4550% | 1,163 |
Noninterest income to average assets | 0.1266% | 6,785 |
Noninterest expense to average assets | 1.1579% | 7,496 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 2.9972% | 110 |
Return on assets (ROA) | 2.9972% | 113 |
Pretax return on assets | 3.1540% | 138 |
Return on Equity (ROE) | 23.8498% | 191 |
Retained earnings to average equity (ytd only) | 23.8498% | 115 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 26.8531% | 7,506 |
Assets per employee ($millions) | 6.7192% | 840 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1430% | 5,878 |
Loan loss allowance to noncurrent loans | 26.9420% | 6,472 |
Noncurrent assets plus other real estate owned to assets | 2.8426% | 2,426 |
Noncurrent loans to loans | 4.2423% | 1,680 |
Net loans and leases to total assets | 56.2522% | 4,955 |
Net loans and leases to deposits | 70.7451% | 4,232 |
Net loans and leases to core deposits | 72.5554% | 4,718 |
Total domestic deposits to total assets | 79.5139% | 6,055 |
Equity capital to assets | 13.1042% | 1,340 |
Core capital (leverage) ratio | 12.9608% | 1,131 |
Tier 1 risk-based capital ratio | 18.5202% | 1,956 |
Total risk-based capital ratio | 19.4533% | 2,016 |
Memoranda: | ||
Average total assets | $66,328,500 | 5,983 |
Average earning assets | $62,311,500 | 5,925 |
Average equity | $8,335,500 | 5,506 |
Average total loans | $37,942,500 | 5,944 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8640% | 1,122 |
Cost of funding earning assets | 1.6456% | 1,847 |
Net interest margin | 4.2184% | 2,109 |
Noninterest income to average assets | 0.2227% | 6,213 |
Noninterest expense to average assets | 1.3511% | 7,504 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 2.6446% | 102 |
Return on assets (ROA) | 2.6446% | 104 |
Pretax return on assets | 2.7855% | 139 |
Return on Equity (ROE) | 18.9186% | 319 |
Retained earnings to average equity (ytd only) | -12.9375% | 6,792 |
Net charge-offs to loans | 0.0075% | 6,765 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 613.0000% | 35 |
Efficiency ratio | 32.6620% | 7,569 |
Assets per employee ($millions) | 7.2739% | 654 |
Cash dividends to net income (ytd only)* | 168.3849% | 142 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1607% | 5,687 |
Loan loss allowance to noncurrent loans | 28.9788% | 6,348 |
Noncurrent assets plus other real estate owned to assets | 2.7435% | 2,545 |
Noncurrent loans to loans | 4.0052% | 1,811 |
Net loans and leases to total assets | 56.8456% | 5,209 |
Net loans and leases to deposits | 70.5198% | 4,752 |
Net loans and leases to core deposits | 72.6822% | 5,142 |
Total domestic deposits to total assets | 80.6095% | 5,657 |
Equity capital to assets | 12.0156% | 1,905 |
Core capital (leverage) ratio | 12.0360% | 1,520 |
Tier 1 risk-based capital ratio | 18.0086% | 1,995 |
Total risk-based capital ratio | 18.9711% | 2,057 |
Memoranda: | ||
Average total assets | $66,021,600 | 6,000 |
Average earning assets | $61,255,000 | 5,950 |
Average equity | $9,229,000 | 5,347 |
Average total loans | $40,109,200 | 5,918 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8878% | 1,162 |
Cost of funding earning assets | 1.6490% | 2,112 |
Net interest margin | 4.2388% | 2,070 |
Noninterest income to average assets | 0.2116% | 6,399 |
Noninterest expense to average assets | 1.3845% | 7,599 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 2.6198% | 120 |
Return on assets (ROA) | 2.6198% | 127 |
Pretax return on assets | 2.7589% | 164 |
Return on Equity (ROE) | 18.1122% | 474 |
Retained earnings to average equity (ytd only) | -1.9505% | 6,195 |
Net charge-offs to loans | 0.0098% | 6,530 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 456.3225% | 72 |
Efficiency ratio | 33.4144% | 7,655 |
Assets per employee ($millions) | 5.3518% | 1,764 |
Cash dividends to net income (ytd only)* | 110.7691% | 273 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1232% | 5,841 |
Loan loss allowance to noncurrent loans | 39.4761% | 5,671 |
Noncurrent assets plus other real estate owned to assets | 2.1722% | 3,247 |
Noncurrent loans to loans | 2.8452% | 2,807 |
Net loans and leases to total assets | 59.9031% | 4,932 |
Net loans and leases to deposits | 75.9231% | 4,193 |
Net loans and leases to core deposits | 79.7574% | 4,555 |
Total domestic deposits to total assets | 78.8998% | 6,046 |
Equity capital to assets | 14.9933% | 895 |
Core capital (leverage) ratio | 14.4977% | 816 |
Tier 1 risk-based capital ratio | 23.0481% | 1,060 |
Total risk-based capital ratio | 24.1392% | 1,059 |
Memoranda: | ||
Average total assets | $66,160,750 | 6,061 |
Average earning assets | $61,367,750 | 6,012 |
Average equity | $9,569,750 | 5,324 |
Average total loans | $40,723,750 | 5,972 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9143% | 1,149 |
Cost of funding earning assets | 1.7717% | 1,760 |
Net interest margin | 4.1426% | 2,365 |
Noninterest income to average assets | 0.1886% | 6,553 |
Noninterest expense to average assets | 1.3352% | 7,695 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 2.5267% | 131 |
Return on assets (ROA) | 2.5267% | 134 |
Pretax return on assets | 2.6614% | 184 |
Return on Equity (ROE) | 17.6754% | 501 |
Retained earnings to average equity (ytd only) | -7.2461% | 6,761 |
Net charge-offs to loans | 0.0145% | 6,137 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 296.3333% | 114 |
Efficiency ratio | 33.4082% | 7,723 |
Assets per employee ($millions) | 5.3637% | 1,739 |
Cash dividends to net income (ytd only)* | 140.9953% | 200 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0802% | 6,038 |
Loan loss allowance to noncurrent loans | 54.1512% | 4,694 |
Noncurrent assets plus other real estate owned to assets | 1.7013% | 3,891 |
Noncurrent loans to loans | 1.9948% | 3,724 |
Net loans and leases to total assets | 62.1761% | 4,648 |
Net loans and leases to deposits | 77.9050% | 3,983 |
Net loans and leases to core deposits | 81.6165% | 4,478 |
Total domestic deposits to total assets | 79.8101% | 5,785 |
Equity capital to assets | 14.2984% | 1,068 |
Core capital (leverage) ratio | 13.5386% | 1,043 |
Tier 1 risk-based capital ratio | 22.1736% | 1,172 |
Total risk-based capital ratio | 23.2474% | 1,178 |
Memoranda: | ||
Average total assets | $66,807,000 | 6,070 |
Average earning assets | $61,410,330 | 6,047 |
Average equity | $9,550,000 | 5,329 |
Average total loans | $41,329,000 | 5,992 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8884% | 1,224 |
Cost of funding earning assets | 1.8486% | 1,663 |
Net interest margin | 4.0398% | 2,700 |
Noninterest income to average assets | 0.2058% | 6,491 |
Noninterest expense to average assets | 1.3524% | 7,780 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 2.3981% | 174 |
Return on assets (ROA) | 2.3814% | 197 |
Pretax return on assets | 2.5107% | 247 |
Return on Equity (ROE) | 16.6607% | 637 |
Retained earnings to average equity (ytd only) | 16.6607% | 298 |
Net charge-offs to loans | 0.0287% | 5,169 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 143.3333% | 232 |
Efficiency ratio | 34.8485% | 7,805 |
Assets per employee ($millions) | 5.7511% | 1,451 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0597% | 6,188 |
Loan loss allowance to noncurrent loans | 89.5492% | 3,082 |
Noncurrent assets plus other real estate owned to assets | 1.1882% | 4,798 |
Noncurrent loans to loans | 1.1834% | 4,997 |
Net loans and leases to total assets | 59.1207% | 5,268 |
Net loans and leases to deposits | 73.8587% | 4,761 |
Net loans and leases to core deposits | 81.6543% | 4,540 |
Total domestic deposits to total assets | 80.0458% | 5,765 |
Equity capital to assets | 14.3915% | 1,039 |
Core capital (leverage) ratio | 14.5648% | 841 |
Tier 1 risk-based capital ratio | 23.0146% | 1,079 |
Total risk-based capital ratio | 24.0435% | 1,079 |
Memoranda: | ||
Average total assets | $68,028,500 | 6,106 |
Average earning assets | $61,884,000 | 6,094 |
Average equity | $9,723,500 | 5,316 |
Average total loans | $41,765,500 | 6,036 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0473% | 1,682 |
Cost of funding earning assets | 2.1433% | 2,260 |
Net interest margin | 3.9040% | 3,254 |
Noninterest income to average assets | 0.2590% | 6,260 |
Noninterest expense to average assets | 1.4542% | 7,823 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 2.3958% | 104 |
Return on assets (ROA) | 2.3506% | 119 |
Pretax return on assets | 2.4778% | 164 |
Return on Equity (ROE) | 17.5688% | 403 |
Retained earnings to average equity (ytd only) | 6.8030% | 1,033 |
Net charge-offs to loans | 0.1402% | 5,820 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 26.5806% | 848 |
Efficiency ratio | 36.5422% | 7,896 |
Assets per employee ($millions) | 5.5870% | 1,574 |
Cash dividends to net income (ytd only)* | 61.2777% | 1,944 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0404% | 6,173 |
Loan loss allowance to noncurrent loans | 83.1758% | 3,328 |
Noncurrent assets plus other real estate owned to assets | 1.2842% | 4,518 |
Noncurrent loans to loans | 1.2508% | 4,857 |
Net loans and leases to total assets | 62.4262% | 4,906 |
Net loans and leases to deposits | 77.7836% | 4,423 |
Net loans and leases to core deposits | 88.7713% | 5,246 |
Total domestic deposits to total assets | 80.2562% | 5,598 |
Equity capital to assets | 14.1922% | 1,107 |
Core capital (leverage) ratio | 14.5130% | 878 |
Tier 1 risk-based capital ratio | 21.8680% | 1,168 |
Total risk-based capital ratio | 22.8949% | 1,173 |
Memoranda: | ||
Average total assets | $65,259,200 | 6,158 |
Average earning assets | $62,193,400 | 6,056 |
Average equity | $8,731,400 | 5,686 |
Average total loans | $44,237,200 | 5,923 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9857% | 2,097 |
Cost of funding earning assets | 2.2202% | 2,312 |
Net interest margin | 3.7655% | 3,797 |
Noninterest income to average assets | 0.2283% | 6,591 |
Noninterest expense to average assets | 1.5223% | 7,880 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 2.1929% | 183 |
Return on assets (ROA) | 2.1929% | 205 |
Pretax return on assets | 2.3102% | 282 |
Return on Equity (ROE) | 16.6516% | 583 |
Retained earnings to average equity (ytd only) | 4.3113% | 2,860 |
Net charge-offs to loans | 0.1342% | 5,358 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 24.9550% | 1,070 |
Efficiency ratio | 39.7209% | 7,930 |
Assets per employee ($millions) | 5.3761% | 1,728 |
Cash dividends to net income (ytd only)* | 74.1089% | 1,133 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0422% | 6,053 |
Loan loss allowance to noncurrent loans | 80.8850% | 3,380 |
Noncurrent assets plus other real estate owned to assets | 1.4276% | 4,248 |
Noncurrent loans to loans | 1.2885% | 4,785 |
Net loans and leases to total assets | 67.2640% | 4,124 |
Net loans and leases to deposits | 83.9521% | 3,655 |
Net loans and leases to core deposits | 96.7450% | 4,734 |
Total domestic deposits to total assets | 80.1218% | 5,391 |
Equity capital to assets | 14.0824% | 1,278 |
Core capital (leverage) ratio | 14.0202% | 1,084 |
Tier 1 risk-based capital ratio | 20.7815% | 1,399 |
Total risk-based capital ratio | 21.8307% | 1,397 |
Memoranda: | ||
Average total assets | $64,813,000 | 6,212 |
Average earning assets | $62,034,750 | 6,104 |
Average equity | $8,535,500 | 5,812 |
Average total loans | $44,723,250 | 5,936 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1317% | 1,683 |
Cost of funding earning assets | 2.2905% | 2,390 |
Net interest margin | 3.8411% | 3,366 |
Noninterest income to average assets | 0.2064% | 6,813 |
Noninterest expense to average assets | 1.4450% | 7,993 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 2.3169% | 155 |
Return on assets (ROA) | 2.3169% | 170 |
Pretax return on assets | 2.4402% | 237 |
Return on Equity (ROE) | 18.0070% | 494 |
Retained earnings to average equity (ytd only) | 1.4846% | 4,498 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.1927% | 8,055 |
Assets per employee ($millions) | 5.4359% | 1,639 |
Cash dividends to net income (ytd only)* | 91.7553% | 859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1315% | 5,380 |
Loan loss allowance to noncurrent loans | 239.0476% | 1,283 |
Noncurrent assets plus other real estate owned to assets | 0.9367% | 5,103 |
Noncurrent loans to loans | 0.4733% | 6,338 |
Net loans and leases to total assets | 67.2456% | 4,304 |
Net loans and leases to deposits | 82.9598% | 4,049 |
Net loans and leases to core deposits | 94.3293% | 5,078 |
Total domestic deposits to total assets | 81.0581% | 5,066 |
Equity capital to assets | 13.2176% | 1,596 |
Core capital (leverage) ratio | 13.3623% | 1,310 |
Tier 1 risk-based capital ratio | 19.2872% | 1,723 |
Total risk-based capital ratio | 20.3828% | 1,707 |
Memoranda: | ||
Average total assets | $64,913,000 | 6,265 |
Average earning assets | $62,169,000 | 6,140 |
Average equity | $8,352,330 | 5,900 |
Average total loans | $45,014,000 | 5,979 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0842% | 1,999 |
Cost of funding earning assets | 2.3589% | 2,470 |
Net interest margin | 3.7253% | 3,780 |
Noninterest income to average assets | 0.1853% | 6,966 |
Noninterest expense to average assets | 1.3652% | 8,050 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 2.2670% | 213 |
Return on assets (ROA) | 2.2670% | 243 |
Pretax return on assets | 2.3906% | 306 |
Return on Equity (ROE) | 17.8643% | 600 |
Retained earnings to average equity (ytd only) | -6.4740% | 6,739 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.3487% | 8,105 |
Assets per employee ($millions) | 5.4410% | 1,616 |
Cash dividends to net income (ytd only)* | 136.2398% | 509 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1115% | 5,388 |
Loan loss allowance to noncurrent loans | 1,934.6154% | 240 |
Noncurrent assets plus other real estate owned to assets | 0.6540% | 5,530 |
Noncurrent loans to loans | 0.0575% | 7,370 |
Net loans and leases to total assets | 68.5413% | 4,009 |
Net loans and leases to deposits | 83.9027% | 3,999 |
Net loans and leases to core deposits | 95.1745% | 5,048 |
Total domestic deposits to total assets | 81.6915% | 4,683 |
Equity capital to assets | 12.5636% | 1,941 |
Core capital (leverage) ratio | 13.1528% | 1,437 |
Tier 1 risk-based capital ratio | 19.3257% | 1,750 |
Total risk-based capital ratio | 20.4503% | 1,739 |
Memoranda: | ||
Average total assets | $64,754,000 | 6,302 |
Average earning assets | $62,062,500 | 6,172 |
Average equity | $8,217,500 | 5,982 |
Average total loans | $45,337,500 | 5,995 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0736% | 5,184 |
Cost of funding earning assets | 2.8713% | 2,386 |
Net interest margin | 3.2023% | 6,360 |
Noninterest income to average assets | 0.2752% | 6,492 |
Noninterest expense to average assets | 1.3945% | 8,078 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.8432% | 505 |
Return on assets (ROA) | 1.8461% | 483 |
Pretax return on assets | 1.9434% | 704 |
Return on Equity (ROE) | 15.0303% | 919 |
Retained earnings to average equity (ytd only) | 10.5980% | 376 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.8149% | 8,075 |
Assets per employee ($millions) | 5.3513% | 1,579 |
Cash dividends to net income (ytd only)* | 29.4893% | 4,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1052% | 5,234 |
Loan loss allowance to noncurrent loans | 113.0631% | 3,112 |
Noncurrent assets plus other real estate owned to assets | 0.6914% | 5,152 |
Noncurrent loans to loans | 0.9775% | 4,642 |
Net loans and leases to total assets | 69.9483% | 4,031 |
Net loans and leases to deposits | 85.9922% | 4,122 |
Net loans and leases to core deposits | 96.5480% | 5,200 |
Total domestic deposits to total assets | 81.3427% | 4,488 |
Equity capital to assets | 12.8192% | 1,865 |
Core capital (leverage) ratio | 13.0956% | 1,520 |
Tier 1 risk-based capital ratio | 20.6441% | 1,514 |
Total risk-based capital ratio | 20.6441% | 1,694 |
Memoranda: | ||
Average total assets | $65,759,800 | 6,169 |
Average earning assets | $62,829,200 | 6,059 |
Average equity | $8,077,000 | 6,058 |
Average total loans | $46,363,600 | 5,859 |