Home > First United Bank and Trust Company > Performance and Condition Ratios
First United Bank and Trust Company, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2500% | 1,574 |
Cost of funding earning assets | 2.1656% | 685 |
Net interest margin | 3.0845% | 3,126 |
Noninterest income to average assets | 0.5900% | 1,571 |
Noninterest expense to average assets | 2.5867% | 2,049 |
Loan and lease loss provision to assets | 0.0500% | 2,105 |
Net operating income to assets | 0.8629% | 2,659 |
Return on assets (ROA) | 0.8414% | 2,716 |
Pretax return on assets | 0.8414% | 3,111 |
Return on Equity (ROE) | 19.7900% | 631 |
Retained earnings to average equity (ytd only) | 7.2198% | 1,822 |
Net charge-offs to loans | -0.0057% | 3,857 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 72.7471% | 1,581 |
Assets per employee ($millions) | 5.5225% | 3,231 |
Cash dividends to net income (ytd only)* | 63.5135% | 1,064 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1256% | 2,690 |
Loan loss allowance to noncurrent loans | 974.8815% | 916 |
Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,043 |
Noncurrent loans to loans | 0.1155% | 2,947 |
Net loans and leases to total assets | 64.7900% | 2,389 |
Net loans and leases to deposits | 71.7552% | 2,761 |
Net loans and leases to core deposits | 75.1393% | 3,021 |
Total domestic deposits to total assets | 90.3000% | 678 |
Equity capital to assets | 4.3898% | 4,479 |
Core capital (leverage) ratio | 9.0653% | 3,690 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $536,466,400 | 1,653 |
Average earning assets | $505,274,200 | 1,618 |
Average equity | $22,812,400 | 2,643 |
Average total loans | $353,530,600 | 1,602 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1784% | 1,498 |
Cost of funding earning assets | 2.0953% | 597 |
Net interest margin | 3.0831% | 3,169 |
Noninterest income to average assets | 0.5800% | 1,600 |
Noninterest expense to average assets | 2.5698% | 2,030 |
Loan and lease loss provision to assets | 0.0500% | 1,947 |
Net operating income to assets | 0.8608% | 2,827 |
Return on assets (ROA) | 0.8608% | 2,807 |
Pretax return on assets | 0.8608% | 3,193 |
Return on Equity (ROE) | 20.4200% | 686 |
Retained earnings to average equity (ytd only) | 8.2460% | 1,873 |
Net charge-offs to loans | -0.0080% | 3,870 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 72.6446% | 1,494 |
Assets per employee ($millions) | 5.5514% | 3,143 |
Cash dividends to net income (ytd only)* | 59.6092% | 950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1370% | 2,689 |
Loan loss allowance to noncurrent loans | 1,144.6328% | 797 |
Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,155 |
Noncurrent loans to loans | 0.0993% | 3,081 |
Net loans and leases to total assets | 67.5200% | 2,108 |
Net loans and leases to deposits | 72.1209% | 2,702 |
Net loans and leases to core deposits | 74.6265% | 2,954 |
Total domestic deposits to total assets | 93.6200% | 223 |
Equity capital to assets | 3.5027% | 4,455 |
Core capital (leverage) ratio | 9.0691% | 3,712 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $531,139,250 | 1,663 |
Average earning assets | $499,910,250 | 1,635 |
Average equity | $22,394,250 | 2,657 |
Average total loans | $350,537,250 | 1,611 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9770% | 1,601 |
Cost of funding earning assets | 1.9622% | 539 |
Net interest margin | 3.0147% | 3,392 |
Noninterest income to average assets | 0.5600% | 1,626 |
Noninterest expense to average assets | 2.5408% | 2,095 |
Loan and lease loss provision to assets | 0.0500% | 1,895 |
Net operating income to assets | 0.8131% | 3,041 |
Return on assets (ROA) | 0.8131% | 3,051 |
Pretax return on assets | 0.8131% | 3,377 |
Return on Equity (ROE) | 18.2800% | 917 |
Retained earnings to average equity (ytd only) | 9.8374% | 1,453 |
Net charge-offs to loans | -0.0040% | 3,661 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 73.4420% | 1,408 |
Assets per employee ($millions) | 5.6122% | 3,051 |
Cash dividends to net income (ytd only)* | 46.1786% | 1,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1249% | 2,820 |
Loan loss allowance to noncurrent loans | 1,006.5823% | 954 |
Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,046 |
Noncurrent loans to loans | 0.1118% | 2,924 |
Net loans and leases to total assets | 64.2000% | 2,359 |
Net loans and leases to deposits | 69.1401% | 2,845 |
Net loans and leases to core deposits | 71.2279% | 3,052 |
Total domestic deposits to total assets | 92.8500% | 274 |
Equity capital to assets | 4.1769% | 4,489 |
Core capital (leverage) ratio | 8.9457% | 3,816 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $534,243,333 | 1,653 |
Average earning assets | $502,995,333 | 1,624 |
Average equity | $23,766,333 | 2,579 |
Average total loans | $348,586,333 | 1,606 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7838% | 1,663 |
Cost of funding earning assets | 1.8514% | 406 |
Net interest margin | 2.9325% | 3,733 |
Noninterest income to average assets | 0.5500% | 1,626 |
Noninterest expense to average assets | 2.5209% | 2,193 |
Loan and lease loss provision to assets | 0.0500% | 1,764 |
Net operating income to assets | 0.7393% | 3,373 |
Return on assets (ROA) | 0.7393% | 3,331 |
Pretax return on assets | 0.7393% | 3,589 |
Return on Equity (ROE) | 16.1100% | 1,336 |
Retained earnings to average equity (ytd only) | 10.8070% | 1,511 |
Net charge-offs to loans | -0.0058% | 3,685 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 74.9200% | 1,254 |
Assets per employee ($millions) | 5.5463% | 3,173 |
Cash dividends to net income (ytd only)* | 32.9243% | 1,653 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1312% | 2,898 |
Loan loss allowance to noncurrent loans | 1,063.0435% | 943 |
Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,123 |
Noncurrent loans to loans | 0.1064% | 3,000 |
Net loans and leases to total assets | 62.9000% | 2,369 |
Net loans and leases to deposits | 69.1963% | 2,680 |
Net loans and leases to core deposits | 71.5264% | 2,852 |
Total domestic deposits to total assets | 90.9100% | 827 |
Equity capital to assets | 4.6423% | 4,472 |
Core capital (leverage) ratio | 9.0498% | 3,695 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $529,175,500 | 1,686 |
Average earning assets | $498,012,500 | 1,658 |
Average equity | $24,280,500 | 2,581 |
Average total loans | $346,146,000 | 1,629 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0708% | 1,540 |
Cost of funding earning assets | 0.7114% | 559 |
Net interest margin | 3.3594% | 2,384 |
Noninterest income to average assets | 0.6000% | 1,644 |
Noninterest expense to average assets | 2.6280% | 1,743 |
Loan and lease loss provision to assets | 0.0500% | 1,921 |
Net operating income to assets | 1.0910% | 2,219 |
Return on assets (ROA) | 1.0926% | 2,150 |
Pretax return on assets | 1.0926% | 2,795 |
Return on Equity (ROE) | 17.5100% | 782 |
Retained earnings to average equity (ytd only) | 6.7964% | 2,322 |
Net charge-offs to loans | 0.0082% | 2,081 |
Credit loss provision to net charge-offs | 953.8462% | 448 |
Earnings coverage of net charge-offs (x) | 217.8462% | 613 |
Efficiency ratio | 68.4768% | 1,904 |
Assets per employee ($millions) | 5.3073% | 3,412 |
Cash dividends to net income (ytd only)* | 61.1910% | 915 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1101% | 2,849 |
Loan loss allowance to noncurrent loans | 1,053.6986% | 957 |
Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,081 |
Noncurrent loans to loans | 0.1053% | 3,014 |
Net loans and leases to total assets | 66.5500% | 1,972 |
Net loans and leases to deposits | 70.3683% | 2,550 |
Net loans and leases to core deposits | 72.0198% | 2,724 |
Total domestic deposits to total assets | 94.5800% | 189 |
Equity capital to assets | 4.5314% | 4,458 |
Core capital (leverage) ratio | 9.1258% | 3,562 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $496,427,600 | 1,728 |
Average earning assets | $467,823,400 | 1,706 |
Average equity | $30,972,200 | 2,296 |
Average total loans | $317,091,400 | 1,650 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8693% | 1,552 |
Cost of funding earning assets | 0.4475% | 989 |
Net interest margin | 3.4218% | 1,910 |
Noninterest income to average assets | 0.6200% | 1,634 |
Noninterest expense to average assets | 2.6149% | 1,682 |
Loan and lease loss provision to assets | 0.0500% | 1,750 |
Net operating income to assets | 1.1857% | 1,752 |
Return on assets (ROA) | 1.1879% | 1,720 |
Pretax return on assets | 1.1879% | 2,414 |
Return on Equity (ROE) | 17.7700% | 674 |
Retained earnings to average equity (ytd only) | 8.8229% | 1,718 |
Net charge-offs to loans | -0.0099% | 3,712 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 66.6737% | 2,196 |
Assets per employee ($millions) | 5.0590% | 3,624 |
Cash dividends to net income (ytd only)* | 50.3423% | 1,184 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1326% | 2,868 |
Loan loss allowance to noncurrent loans | 517.1390% | 1,555 |
Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,564 |
Noncurrent loans to loans | 0.2190% | 2,518 |
Net loans and leases to total assets | 67.4700% | 1,734 |
Net loans and leases to deposits | 72.8068% | 2,144 |
Net loans and leases to core deposits | 74.2800% | 2,328 |
Total domestic deposits to total assets | 92.6700% | 667 |
Equity capital to assets | 4.7503% | 4,338 |
Core capital (leverage) ratio | 9.5190% | 3,051 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $491,832,250 | 1,747 |
Average earning assets | $463,878,250 | 1,730 |
Average equity | $32,883,250 | 2,237 |
Average total loans | $309,748,000 | 1,673 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6619% | 1,647 |
Cost of funding earning assets | 0.2662% | 2,069 |
Net interest margin | 3.3957% | 1,620 |
Noninterest income to average assets | 0.6161% | 1,673 |
Noninterest expense to average assets | 2.5867% | 1,679 |
Loan and lease loss provision to assets | 0.0502% | 1,683 |
Net operating income to assets | 1.1832% | 1,488 |
Return on assets (ROA) | 1.1865% | 1,451 |
Pretax return on assets | 1.1865% | 2,122 |
Return on Equity (ROE) | 16.1694% | 675 |
Retained earnings to average equity (ytd only) | 7.1845% | 1,926 |
Net charge-offs to loans | -0.0120% | 3,654 |
Credit loss provision to net charge-offs | -683.3333% | 3,449 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.4639% | 2,448 |
Assets per employee ($millions) | 5.2563% | 3,468 |
Cash dividends to net income (ytd only)* | 55.5670% | 1,186 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1914% | 2,731 |
Loan loss allowance to noncurrent loans | 567.0181% | 1,415 |
Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,762 |
Noncurrent loans to loans | 0.2101% | 2,664 |
Net loans and leases to total assets | 63.8783% | 1,926 |
Net loans and leases to deposits | 68.3149% | 2,362 |
Net loans and leases to core deposits | 69.1321% | 2,555 |
Total domestic deposits to total assets | 93.5056% | 390 |
Equity capital to assets | 5.5952% | 4,333 |
Core capital (leverage) ratio | 9.4143% | 2,999 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $490,515,333 | 1,760 |
Average earning assets | $462,821,667 | 1,742 |
Average equity | $35,994,000 | 2,156 |
Average total loans | $300,220,000 | 1,700 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4532% | 1,941 |
Cost of funding earning assets | 0.2123% | 2,636 |
Net interest margin | 3.2409% | 1,749 |
Noninterest income to average assets | 0.5869% | 1,751 |
Noninterest expense to average assets | 2.5570% | 1,728 |
Loan and lease loss provision to assets | 0.0497% | 1,481 |
Net operating income to assets | 1.0379% | 1,732 |
Return on assets (ROA) | 1.0379% | 1,729 |
Pretax return on assets | 1.0379% | 2,330 |
Return on Equity (ROE) | 12.6502% | 1,119 |
Retained earnings to average equity (ytd only) | 9.0189% | 1,268 |
Net charge-offs to loans | -0.0096% | 3,569 |
Credit loss provision to net charge-offs | -871.4286% | 3,246 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8631% | 2,388 |
Assets per employee ($millions) | 5.4090% | 3,384 |
Cash dividends to net income (ytd only)* | 28.7059% | 1,786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2708% | 2,496 |
Loan loss allowance to noncurrent loans | 523.6879% | 1,449 |
Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,790 |
Noncurrent loans to loans | 0.2427% | 2,624 |
Net loans and leases to total assets | 58.2745% | 2,268 |
Net loans and leases to deposits | 65.0503% | 2,426 |
Net loans and leases to core deposits | 65.9178% | 2,634 |
Total domestic deposits to total assets | 89.5837% | 1,775 |
Equity capital to assets | 7.3900% | 3,995 |
Core capital (leverage) ratio | 9.2222% | 3,114 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $491,356,500 | 1,758 |
Average earning assets | $463,570,500 | 1,748 |
Average equity | $40,315,500 | 2,042 |
Average total loans | $292,318,500 | 1,727 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3396% | 796 |
Cost of funding earning assets | 0.2807% | 2,595 |
Net interest margin | 4.0589% | 634 |
Noninterest income to average assets | 0.6964% | 1,780 |
Noninterest expense to average assets | 2.7689% | 1,435 |
Loan and lease loss provision to assets | 0.1112% | 1,135 |
Net operating income to assets | 1.6290% | 741 |
Return on assets (ROA) | 1.6290% | 782 |
Pretax return on assets | 1.6290% | 1,344 |
Return on Equity (ROE) | 16.3529% | 700 |
Retained earnings to average equity (ytd only) | 6.6142% | 2,072 |
Net charge-offs to loans | 0.0162% | 1,978 |
Credit loss provision to net charge-offs | 1,037.5000% | 520 |
Earnings coverage of net charge-offs (x) | 162.3750% | 621 |
Efficiency ratio | 60.2476% | 3,111 |
Assets per employee ($millions) | 5.3900% | 3,365 |
Cash dividends to net income (ytd only)* | 59.5532% | 1,109 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2322% | 2,724 |
Loan loss allowance to noncurrent loans | 481.2749% | 1,475 |
Noncurrent assets plus other real estate owned to assets | 0.1535% | 2,866 |
Noncurrent loans to loans | 0.2560% | 2,698 |
Net loans and leases to total assets | 59.2225% | 2,241 |
Net loans and leases to deposits | 67.2400% | 2,384 |
Net loans and leases to core deposits | 68.7710% | 2,576 |
Total domestic deposits to total assets | 88.0763% | 2,008 |
Equity capital to assets | 9.0227% | 3,598 |
Core capital (leverage) ratio | 9.3094% | 3,057 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $447,868,400 | 1,845 |
Average earning assets | $420,709,000 | 1,835 |
Average equity | $44,616,000 | 1,934 |
Average total loans | $295,503,200 | 1,721 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6016% | 569 |
Cost of funding earning assets | 0.3029% | 2,567 |
Net interest margin | 4.2987% | 454 |
Noninterest income to average assets | 0.7112% | 1,789 |
Noninterest expense to average assets | 2.8004% | 1,339 |
Loan and lease loss provision to assets | 0.0869% | 1,366 |
Net operating income to assets | 1.8569% | 604 |
Return on assets (ROA) | 1.8569% | 626 |
Pretax return on assets | 1.8569% | 1,033 |
Return on Equity (ROE) | 18.1597% | 611 |
Retained earnings to average equity (ytd only) | 9.4332% | 1,522 |
Net charge-offs to loans | 0.0005% | 2,441 |
Credit loss provision to net charge-offs | 28,500.0000% | 24 |
Earnings coverage of net charge-offs (x) | 6,374.0000% | 17 |
Efficiency ratio | 57.9032% | 3,273 |
Assets per employee ($millions) | 4.9037% | 3,793 |
Cash dividends to net income (ytd only)* | 48.0539% | 1,277 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2125% | 2,936 |
Loan loss allowance to noncurrent loans | 726.4706% | 1,019 |
Noncurrent assets plus other real estate owned to assets | 0.1022% | 3,422 |
Noncurrent loans to loans | 0.1669% | 3,286 |
Net loans and leases to total assets | 60.4772% | 2,198 |
Net loans and leases to deposits | 69.4599% | 2,289 |
Net loans and leases to core deposits | 71.0497% | 2,508 |
Total domestic deposits to total assets | 87.0679% | 2,332 |
Equity capital to assets | 9.8884% | 3,010 |
Core capital (leverage) ratio | 9.7927% | 2,724 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $437,212,000 | 1,897 |
Average earning assets | $410,192,750 | 1,885 |
Average equity | $44,706,000 | 1,958 |
Average total loans | $295,852,250 | 1,757 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3511% | 922 |
Cost of funding earning assets | 0.3432% | 2,374 |
Net interest margin | 4.0080% | 807 |
Noninterest income to average assets | 0.7015% | 1,804 |
Noninterest expense to average assets | 2.8031% | 1,350 |
Loan and lease loss provision to assets | 0.1043% | 1,208 |
Net operating income to assets | 1.5517% | 1,166 |
Return on assets (ROA) | 1.5517% | 1,221 |
Pretax return on assets | 1.5517% | 1,865 |
Return on Equity (ROE) | 14.9956% | 1,158 |
Retained earnings to average equity (ytd only) | 7.6650% | 2,202 |
Net charge-offs to loans | 0.0027% | 2,100 |
Credit loss provision to net charge-offs | 5,575.0000% | 119 |
Earnings coverage of net charge-offs (x) | 885.2500% | 153 |
Efficiency ratio | 61.6361% | 2,777 |
Assets per employee ($millions) | 4.6690% | 3,959 |
Cash dividends to net income (ytd only)* | 48.8849% | 1,277 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1408% | 3,243 |
Loan loss allowance to noncurrent loans | 413.2765% | 1,469 |
Noncurrent assets plus other real estate owned to assets | 0.1832% | 3,044 |
Noncurrent loans to loans | 0.2760% | 2,948 |
Net loans and leases to total assets | 65.5979% | 1,746 |
Net loans and leases to deposits | 75.6119% | 1,857 |
Net loans and leases to core deposits | 77.3661% | 2,106 |
Total domestic deposits to total assets | 86.7561% | 2,443 |
Equity capital to assets | 9.9777% | 2,870 |
Core capital (leverage) ratio | 9.6977% | 2,699 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $427,666,667 | 1,918 |
Average earning assets | $400,952,333 | 1,908 |
Average equity | $44,253,000 | 1,961 |
Average total loans | $299,406,333 | 1,750 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2956% | 1,047 |
Cost of funding earning assets | 0.3546% | 2,489 |
Net interest margin | 3.9409% | 924 |
Noninterest income to average assets | 0.6613% | 1,992 |
Noninterest expense to average assets | 2.7773% | 1,413 |
Loan and lease loss provision to assets | 0.1543% | 834 |
Net operating income to assets | 1.4250% | 1,511 |
Return on assets (ROA) | 1.4250% | 1,582 |
Pretax return on assets | 1.4250% | 2,210 |
Return on Equity (ROE) | 13.5125% | 1,537 |
Retained earnings to average equity (ytd only) | 10.6773% | 1,475 |
Net charge-offs to loans | 0.0053% | 1,714 |
Credit loss provision to net charge-offs | 4,025.0000% | 138 |
Earnings coverage of net charge-offs (x) | 412.0000% | 225 |
Efficiency ratio | 62.4725% | 2,677 |
Assets per employee ($millions) | 4.7542% | 3,880 |
Cash dividends to net income (ytd only)* | 20.9818% | 1,981 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1095% | 3,385 |
Loan loss allowance to noncurrent loans | 407.7111% | 1,373 |
Noncurrent assets plus other real estate owned to assets | 0.1868% | 3,229 |
Noncurrent loans to loans | 0.2721% | 3,132 |
Net loans and leases to total assets | 67.8812% | 1,547 |
Net loans and leases to deposits | 78.1294% | 1,706 |
Net loans and leases to core deposits | 80.0443% | 1,999 |
Total domestic deposits to total assets | 86.8831% | 2,355 |
Equity capital to assets | 10.0878% | 2,626 |
Core capital (leverage) ratio | 10.2767% | 2,267 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $417,390,000 | 1,940 |
Average earning assets | $391,381,500 | 1,933 |
Average equity | $44,018,500 | 1,950 |
Average total loans | $300,401,500 | 1,748 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6986% | 895 |
Cost of funding earning assets | 0.4930% | 2,994 |
Net interest margin | 4.2056% | 628 |
Noninterest income to average assets | 0.7254% | 1,765 |
Noninterest expense to average assets | 3.0903% | 1,252 |
Loan and lease loss provision to assets | 0.1275% | 2,766 |
Net operating income to assets | 1.4194% | 981 |
Return on assets (ROA) | 1.4055% | 1,092 |
Pretax return on assets | 1.4055% | 1,642 |
Return on Equity (ROE) | 11.9870% | 1,323 |
Retained earnings to average equity (ytd only) | 3.9087% | 2,869 |
Net charge-offs to loans | -0.0292% | 4,526 |
Credit loss provision to net charge-offs | -562.6506% | 3,944 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2630% | 2,640 |
Assets per employee ($millions) | 4.5677% | 3,847 |
Cash dividends to net income (ytd only)* | 67.3921% | 1,062 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0560% | 3,655 |
Loan loss allowance to noncurrent loans | 514.4246% | 1,103 |
Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,501 |
Noncurrent loans to loans | 0.2053% | 3,472 |
Net loans and leases to total assets | 74.8364% | 921 |
Net loans and leases to deposits | 87.8447% | 1,102 |
Net loans and leases to core deposits | 90.4078% | 1,495 |
Total domestic deposits to total assets | 85.1917% | 2,688 |
Equity capital to assets | 11.0506% | 2,210 |
Core capital (leverage) ratio | 10.7258% | 1,987 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $366,143,400 | 1,980 |
Average earning assets | $340,567,000 | 1,980 |
Average equity | $42,930,000 | 1,910 |
Average total loans | $284,238,000 | 1,747 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7618% | 944 |
Cost of funding earning assets | 0.5410% | 2,985 |
Net interest margin | 4.2208% | 701 |
Noninterest income to average assets | 0.7289% | 1,708 |
Noninterest expense to average assets | 3.1043% | 1,231 |
Loan and lease loss provision to assets | 0.1183% | 2,843 |
Net operating income to assets | 1.4251% | 1,045 |
Return on assets (ROA) | 1.4061% | 1,180 |
Pretax return on assets | 1.4061% | 1,712 |
Return on Equity (ROE) | 11.8043% | 1,430 |
Retained earnings to average equity (ytd only) | 4.6168% | 2,735 |
Net charge-offs to loans | -0.0071% | 4,145 |
Credit loss provision to net charge-offs | -2,120.0000% | 4,089 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.3911% | 2,536 |
Assets per employee ($millions) | 4.7022% | 3,594 |
Cash dividends to net income (ytd only)* | 60.8891% | 1,104 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9776% | 3,791 |
Loan loss allowance to noncurrent loans | 240.2112% | 1,914 |
Noncurrent assets plus other real estate owned to assets | 0.3232% | 2,851 |
Noncurrent loans to loans | 0.4070% | 2,835 |
Net loans and leases to total assets | 78.6364% | 755 |
Net loans and leases to deposits | 97.4073% | 667 |
Net loans and leases to core deposits | 100.5388% | 1,123 |
Total domestic deposits to total assets | 80.7295% | 3,715 |
Equity capital to assets | 11.5028% | 2,002 |
Core capital (leverage) ratio | 11.2774% | 1,716 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $358,331,500 | 1,984 |
Average earning assets | $332,695,250 | 1,992 |
Average equity | $42,684,000 | 1,904 |
Average total loans | $280,155,750 | 1,762 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8106% | 1,145 |
Cost of funding earning assets | 0.6194% | 2,867 |
Net interest margin | 4.1912% | 940 |
Noninterest income to average assets | 0.7149% | 1,688 |
Noninterest expense to average assets | 3.1635% | 1,219 |
Loan and lease loss provision to assets | 0.1112% | 2,900 |
Net operating income to assets | 1.3249% | 1,294 |
Return on assets (ROA) | 1.3255% | 1,390 |
Pretax return on assets | 1.3255% | 1,946 |
Return on Equity (ROE) | 10.9908% | 1,635 |
Retained earnings to average equity (ytd only) | 6.2872% | 1,945 |
Net charge-offs to loans | 0.0007% | 3,014 |
Credit loss provision to net charge-offs | 19,500.0000% | 60 |
Earnings coverage of net charge-offs (x) | 2,519.0000% | 31 |
Efficiency ratio | 67.3277% | 2,330 |
Assets per employee ($millions) | 4.4881% | 3,800 |
Cash dividends to net income (ytd only)* | 42.7957% | 1,835 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9463% | 3,813 |
Loan loss allowance to noncurrent loans | 224.7209% | 1,965 |
Noncurrent assets plus other real estate owned to assets | 0.3487% | 2,896 |
Noncurrent loans to loans | 0.4211% | 2,899 |
Net loans and leases to total assets | 79.1818% | 697 |
Net loans and leases to deposits | 98.2813% | 638 |
Net loans and leases to core deposits | 101.3678% | 1,158 |
Total domestic deposits to total assets | 80.5665% | 3,712 |
Equity capital to assets | 11.7366% | 1,814 |
Core capital (leverage) ratio | 11.3057% | 1,761 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $350,814,667 | 1,995 |
Average earning assets | $325,153,667 | 1,999 |
Average equity | $42,308,000 | 1,910 |
Average total loans | $272,718,000 | 1,778 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9080% | 1,175 |
Cost of funding earning assets | 0.7846% | 2,479 |
Net interest margin | 4.1235% | 1,088 |
Noninterest income to average assets | 0.7436% | 1,481 |
Noninterest expense to average assets | 3.2015% | 1,420 |
Loan and lease loss provision to assets | 0.0977% | 2,460 |
Net operating income to assets | 1.2660% | 1,341 |
Return on assets (ROA) | 1.2660% | 1,434 |
Pretax return on assets | 1.2660% | 1,976 |
Return on Equity (ROE) | 10.3457% | 1,628 |
Retained earnings to average equity (ytd only) | 10.1534% | 717 |
Net charge-offs to loans | -0.0046% | 3,845 |
Credit loss provision to net charge-offs | -2,766.6667% | 3,770 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6340% | 2,569 |
Assets per employee ($millions) | 4.0512% | 3,854 |
Cash dividends to net income (ytd only)* | 1.8587% | 2,567 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0156% | 3,624 |
Loan loss allowance to noncurrent loans | 195.8092% | 2,099 |
Noncurrent assets plus other real estate owned to assets | 0.4199% | 2,785 |
Noncurrent loans to loans | 0.5186% | 2,710 |
Net loans and leases to total assets | 77.6180% | 1,037 |
Net loans and leases to deposits | 98.2590% | 683 |
Net loans and leases to core deposits | 101.6819% | 1,349 |
Total domestic deposits to total assets | 78.9932% | 4,054 |
Equity capital to assets | 12.2802% | 1,864 |
Core capital (leverage) ratio | 12.3317% | 1,546 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $339,966,500 | 1,998 |
Average earning assets | $315,074,500 | 2,000 |
Average equity | $41,602,000 | 1,925 |
Average total loans | $260,187,500 | 1,807 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8984% | 1,749 |
Cost of funding earning assets | 0.9482% | 1,969 |
Net interest margin | 3.9501% | 1,997 |
Noninterest income to average assets | 0.7908% | 1,475 |
Noninterest expense to average assets | 3.0831% | 1,801 |
Loan and lease loss provision to assets | 0.1079% | 1,926 |
Net operating income to assets | 1.2571% | 1,842 |
Return on assets (ROA) | 1.2670% | 1,898 |
Pretax return on assets | 1.2670% | 2,622 |
Return on Equity (ROE) | 10.3849% | 2,125 |
Retained earnings to average equity (ytd only) | 2.7024% | 3,687 |
Net charge-offs to loans | 0.1119% | 1,612 |
Credit loss provision to net charge-offs | 131.1355% | 1,945 |
Earnings coverage of net charge-offs (x) | 16.5897% | 2,155 |
Efficiency ratio | 67.7282% | 2,498 |
Assets per employee ($millions) | 4.2454% | 3,586 |
Cash dividends to net income (ytd only)* | 73.9772% | 993 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0350% | 3,298 |
Loan loss allowance to noncurrent loans | 296.4972% | 1,534 |
Noncurrent assets plus other real estate owned to assets | 0.2738% | 3,334 |
Noncurrent loans to loans | 0.3491% | 3,196 |
Net loans and leases to total assets | 73.8759% | 1,775 |
Net loans and leases to deposits | 94.6861% | 1,090 |
Net loans and leases to core deposits | 97.9462% | 1,733 |
Total domestic deposits to total assets | 78.0219% | 4,355 |
Equity capital to assets | 12.1939% | 2,019 |
Core capital (leverage) ratio | 12.3597% | 1,561 |
Tier 1 risk-based capital ratio | 15.5270% | 2,574 |
Total risk-based capital ratio | 16.5571% | 2,582 |
Memoranda: | ||
Average total assets | $331,807,600 | 1,973 |
Average earning assets | $307,204,600 | 1,985 |
Average equity | $40,482,000 | 1,912 |
Average total loans | $243,993,400 | 1,862 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9261% | 1,742 |
Cost of funding earning assets | 0.9746% | 1,871 |
Net interest margin | 3.9515% | 2,099 |
Noninterest income to average assets | 0.7910% | 1,447 |
Noninterest expense to average assets | 3.0870% | 1,740 |
Loan and lease loss provision to assets | 0.1184% | 1,647 |
Net operating income to assets | 1.2405% | 2,049 |
Return on assets (ROA) | 1.2571% | 2,076 |
Pretax return on assets | 1.2571% | 2,791 |
Return on Equity (ROE) | 10.3023% | 2,302 |
Retained earnings to average equity (ytd only) | 4.0050% | 3,394 |
Net charge-offs to loans | -0.0116% | 4,423 |
Credit loss provision to net charge-offs | -1,395.2381% | 4,474 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.8425% | 2,445 |
Assets per employee ($millions) | 4.0949% | 3,767 |
Cash dividends to net income (ytd only)* | 61.1254% | 1,239 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1462% | 2,791 |
Loan loss allowance to noncurrent loans | 230.2663% | 1,879 |
Noncurrent assets plus other real estate owned to assets | 0.3985% | 2,916 |
Noncurrent loans to loans | 0.4978% | 2,801 |
Net loans and leases to total assets | 76.0618% | 1,469 |
Net loans and leases to deposits | 96.7711% | 920 |
Net loans and leases to core deposits | 100.2383% | 1,642 |
Total domestic deposits to total assets | 78.5997% | 4,250 |
Equity capital to assets | 12.8654% | 1,702 |
Core capital (leverage) ratio | 12.3860% | 1,632 |
Tier 1 risk-based capital ratio | 16.1105% | 2,385 |
Total risk-based capital ratio | 17.2709% | 2,361 |
Memoranda: | ||
Average total assets | $329,852,250 | 1,995 |
Average earning assets | $305,089,750 | 2,001 |
Average equity | $40,249,000 | 1,926 |
Average total loans | $241,609,750 | 1,884 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8384% | 1,941 |
Cost of funding earning assets | 0.9660% | 1,838 |
Net interest margin | 3.8724% | 2,335 |
Noninterest income to average assets | 0.7820% | 1,404 |
Noninterest expense to average assets | 3.0635% | 1,828 |
Loan and lease loss provision to assets | 0.1374% | 1,348 |
Net operating income to assets | 1.1700% | 2,259 |
Return on assets (ROA) | 1.1893% | 2,250 |
Pretax return on assets | 1.1893% | 2,942 |
Return on Equity (ROE) | 9.9215% | 2,429 |
Retained earnings to average equity (ytd only) | 2.3723% | 3,995 |
Net charge-offs to loans | -0.0125% | 4,394 |
Credit loss provision to net charge-offs | -1,520.0000% | 4,341 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.4769% | 2,451 |
Assets per employee ($millions) | 4.3360% | 3,389 |
Cash dividends to net income (ytd only)* | 76.0892% | 920 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1346% | 2,878 |
Loan loss allowance to noncurrent loans | 166.0896% | 2,463 |
Noncurrent assets plus other real estate owned to assets | 0.5167% | 2,489 |
Noncurrent loans to loans | 0.6831% | 2,269 |
Net loans and leases to total assets | 72.6048% | 2,133 |
Net loans and leases to deposits | 93.5017% | 1,309 |
Net loans and leases to core deposits | 96.8741% | 1,993 |
Total domestic deposits to total assets | 77.6507% | 4,459 |
Equity capital to assets | 12.2424% | 2,027 |
Core capital (leverage) ratio | 12.1049% | 1,754 |
Tier 1 risk-based capital ratio | 15.5172% | 2,623 |
Total risk-based capital ratio | 16.6294% | 2,600 |
Memoranda: | ||
Average total assets | $331,971,330 | 1,997 |
Average earning assets | $307,665,000 | 1,996 |
Average equity | $39,792,330 | 1,946 |
Average total loans | $239,176,670 | 1,905 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7888% | 1,934 |
Cost of funding earning assets | 0.9625% | 1,735 |
Net interest margin | 3.8264% | 2,430 |
Noninterest income to average assets | 0.7589% | 1,404 |
Noninterest expense to average assets | 3.0463% | 1,858 |
Loan and lease loss provision to assets | 0.1378% | 1,256 |
Net operating income to assets | 1.1153% | 2,410 |
Return on assets (ROA) | 1.1407% | 2,358 |
Pretax return on assets | 1.1407% | 3,007 |
Return on Equity (ROE) | 9.6200% | 2,536 |
Retained earnings to average equity (ytd only) | 2.5477% | 3,909 |
Net charge-offs to loans | -0.0068% | 4,100 |
Credit loss provision to net charge-offs | -2,850.0000% | 4,124 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.2243% | 2,469 |
Assets per employee ($millions) | 4.0886% | 3,796 |
Cash dividends to net income (ytd only)* | 73.5169% | 1,045 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1168% | 3,033 |
Loan loss allowance to noncurrent loans | 165.9588% | 2,493 |
Noncurrent assets plus other real estate owned to assets | 0.5111% | 2,582 |
Noncurrent loans to loans | 0.6729% | 2,333 |
Net loans and leases to total assets | 72.8343% | 2,017 |
Net loans and leases to deposits | 89.2250% | 1,725 |
Net loans and leases to core deposits | 94.7917% | 2,049 |
Total domestic deposits to total assets | 81.6299% | 3,821 |
Equity capital to assets | 12.2788% | 1,855 |
Core capital (leverage) ratio | 11.7667% | 1,929 |
Tier 1 risk-based capital ratio | 15.8816% | 2,495 |
Total risk-based capital ratio | 16.9768% | 2,478 |
Memoranda: | ||
Average total assets | $331,021,000 | 2,018 |
Average earning assets | $306,295,500 | 2,018 |
Average equity | $39,251,500 | 1,954 |
Average total loans | $236,170,500 | 1,949 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7165% | 1,767 |
Cost of funding earning assets | 0.5944% | 2,769 |
Net interest margin | 4.1221% | 1,609 |
Noninterest income to average assets | 0.8665% | 1,275 |
Noninterest expense to average assets | 3.1700% | 1,630 |
Loan and lease loss provision to assets | 0.0880% | 2,385 |
Net operating income to assets | 1.4218% | 1,357 |
Return on assets (ROA) | 1.4273% | 1,337 |
Pretax return on assets | 1.4273% | 2,050 |
Return on Equity (ROE) | 11.0851% | 2,052 |
Retained earnings to average equity (ytd only) | -1.0776% | 5,088 |
Net charge-offs to loans | 0.0804% | 1,986 |
Credit loss provision to net charge-offs | 160.0000% | 1,736 |
Earnings coverage of net charge-offs (x) | 27.4588% | 1,688 |
Efficiency ratio | 66.1207% | 2,858 |
Assets per employee ($millions) | 4.2916% | 3,473 |
Cash dividends to net income (ytd only)* | 109.7213% | 193 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0831% | 3,207 |
Loan loss allowance to noncurrent loans | 42,316.6667% | 24 |
Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,783 |
Noncurrent loans to loans | 0.0026% | 4,817 |
Net loans and leases to total assets | 68.3957% | 2,822 |
Net loans and leases to deposits | 91.2629% | 1,636 |
Net loans and leases to core deposits | 96.7220% | 1,992 |
Total domestic deposits to total assets | 74.9436% | 4,876 |
Equity capital to assets | 11.4565% | 2,284 |
Core capital (leverage) ratio | 11.9489% | 1,772 |
Tier 1 risk-based capital ratio | 15.6541% | 2,550 |
Total risk-based capital ratio | 16.6939% | 2,564 |
Memoranda: | ||
Average total assets | $309,175,600 | 2,095 |
Average earning assets | $286,019,600 | 2,096 |
Average equity | $39,810,200 | 1,875 |
Average total loans | $211,538,800 | 2,085 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6967% | 1,686 |
Cost of funding earning assets | 0.5315% | 2,984 |
Net interest margin | 4.1652% | 1,453 |
Noninterest income to average assets | 0.9139% | 1,159 |
Noninterest expense to average assets | 3.1787% | 1,578 |
Loan and lease loss provision to assets | 0.0402% | 3,201 |
Net operating income to assets | 1.5463% | 1,072 |
Return on assets (ROA) | 1.5454% | 1,078 |
Pretax return on assets | 1.5454% | 1,747 |
Return on Equity (ROE) | 11.6412% | 1,934 |
Retained earnings to average equity (ytd only) | 4.8136% | 3,338 |
Net charge-offs to loans | 0.0810% | 1,711 |
Credit loss provision to net charge-offs | 72.8000% | 2,605 |
Earnings coverage of net charge-offs (x) | 28.7204% | 1,654 |
Efficiency ratio | 65.0839% | 3,022 |
Assets per employee ($millions) | 3.9904% | 3,907 |
Cash dividends to net income (ytd only)* | 58.6503% | 1,251 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0916% | 3,239 |
Loan loss allowance to noncurrent loans | 798.6711% | 727 |
Noncurrent assets plus other real estate owned to assets | 0.0999% | 4,473 |
Noncurrent loans to loans | 0.1367% | 4,269 |
Net loans and leases to total assets | 69.9800% | 2,650 |
Net loans and leases to deposits | 93.2156% | 1,475 |
Net loans and leases to core deposits | 99.2070% | 1,854 |
Total domestic deposits to total assets | 75.0733% | 4,874 |
Equity capital to assets | 12.8404% | 1,398 |
Core capital (leverage) ratio | 13.1057% | 1,235 |
Tier 1 risk-based capital ratio | 17.4829% | 1,938 |
Total risk-based capital ratio | 18.5326% | 1,949 |
Memoranda: | ||
Average total assets | $301,709,750 | 2,155 |
Average earning assets | $278,970,500 | 2,152 |
Average equity | $40,052,250 | 1,856 |
Average total loans | $205,816,750 | 2,141 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6054% | 1,767 |
Cost of funding earning assets | 0.4601% | 3,283 |
Net interest margin | 4.1453% | 1,423 |
Noninterest income to average assets | 0.8917% | 1,202 |
Noninterest expense to average assets | 3.1374% | 1,698 |
Loan and lease loss provision to assets | 0.0409% | 3,092 |
Net operating income to assets | 1.5462% | 1,042 |
Return on assets (ROA) | 1.5436% | 1,050 |
Pretax return on assets | 1.5436% | 1,672 |
Return on Equity (ROE) | 11.4967% | 1,911 |
Retained earnings to average equity (ytd only) | 4.2015% | 3,508 |
Net charge-offs to loans | 0.0507% | 1,877 |
Credit loss provision to net charge-offs | 119.6078% | 1,805 |
Earnings coverage of net charge-offs (x) | 46.4510% | 1,185 |
Efficiency ratio | 64.7476% | 3,199 |
Assets per employee ($millions) | 4.0183% | 3,865 |
Cash dividends to net income (ytd only)* | 63.4549% | 1,202 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1696% | 2,883 |
Loan loss allowance to noncurrent loans | 858.9474% | 682 |
Noncurrent assets plus other real estate owned to assets | 0.0966% | 4,526 |
Noncurrent loans to loans | 0.1362% | 4,295 |
Net loans and leases to total assets | 67.7328% | 2,908 |
Net loans and leases to deposits | 88.0052% | 2,113 |
Net loans and leases to core deposits | 89.7716% | 2,592 |
Total domestic deposits to total assets | 76.9646% | 4,741 |
Equity capital to assets | 13.0727% | 1,265 |
Core capital (leverage) ratio | 13.3377% | 1,122 |
Tier 1 risk-based capital ratio | 17.4786% | 1,946 |
Total risk-based capital ratio | 18.5651% | 1,947 |
Memoranda: | ||
Average total assets | $298,529,000 | 2,182 |
Average earning assets | $276,024,670 | 2,185 |
Average equity | $40,081,000 | 1,858 |
Average total loans | $201,016,330 | 2,177 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5169% | 1,811 |
Cost of funding earning assets | 0.4014% | 3,571 |
Net interest margin | 4.1155% | 1,401 |
Noninterest income to average assets | 0.8621% | 1,259 |
Noninterest expense to average assets | 3.0986% | 1,828 |
Loan and lease loss provision to assets | 0.0407% | 2,944 |
Net operating income to assets | 1.5303% | 1,009 |
Return on assets (ROA) | 1.5263% | 1,023 |
Pretax return on assets | 1.5263% | 1,609 |
Return on Equity (ROE) | 11.2151% | 1,878 |
Retained earnings to average equity (ytd only) | 7.4701% | 2,068 |
Net charge-offs to loans | 0.0081% | 2,447 |
Credit loss provision to net charge-offs | 750.0000% | 436 |
Earnings coverage of net charge-offs (x) | 289.7500% | 236 |
Efficiency ratio | 64.6734% | 3,377 |
Assets per employee ($millions) | 3.8927% | 4,162 |
Cash dividends to net income (ytd only)* | 33.3925% | 2,053 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2553% | 2,488 |
Loan loss allowance to noncurrent loans | 485.9961% | 1,131 |
Noncurrent assets plus other real estate owned to assets | 0.1691% | 4,241 |
Noncurrent loans to loans | 0.2583% | 3,832 |
Net loans and leases to total assets | 64.6631% | 3,220 |
Net loans and leases to deposits | 79.6767% | 2,846 |
Net loans and leases to core deposits | 81.2608% | 3,214 |
Total domestic deposits to total assets | 81.1569% | 4,162 |
Equity capital to assets | 13.3730% | 1,082 |
Core capital (leverage) ratio | 13.6341% | 967 |
Tier 1 risk-based capital ratio | 18.5018% | 1,692 |
Total risk-based capital ratio | 19.6640% | 1,683 |
Memoranda: | ||
Average total assets | $295,098,000 | 2,220 |
Average earning assets | $273,017,500 | 2,215 |
Average equity | $40,160,000 | 1,861 |
Average total loans | $196,875,500 | 2,218 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4749% | 1,799 |
Cost of funding earning assets | 0.2999% | 4,144 |
Net interest margin | 4.1750% | 1,240 |
Noninterest income to average assets | 0.9498% | 1,142 |
Noninterest expense to average assets | 3.2142% | 1,576 |
Loan and lease loss provision to assets | 0.0278% | 3,722 |
Net operating income to assets | 1.5515% | 720 |
Return on assets (ROA) | 1.5775% | 693 |
Pretax return on assets | 1.5775% | 1,357 |
Return on Equity (ROE) | 11.0834% | 1,444 |
Retained earnings to average equity (ytd only) | 4.6782% | 2,335 |
Net charge-offs to loans | 0.0269% | 3,274 |
Credit loss provision to net charge-offs | 159.1837% | 1,679 |
Earnings coverage of net charge-offs (x) | 90.4694% | 694 |
Efficiency ratio | 65.3140% | 3,383 |
Assets per employee ($millions) | 4.0910% | 3,825 |
Cash dividends to net income (ytd only)* | 57.7913% | 1,862 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2346% | 2,569 |
Loan loss allowance to noncurrent loans | 889.7810% | 688 |
Noncurrent assets plus other real estate owned to assets | 0.0943% | 4,652 |
Noncurrent loans to loans | 0.1388% | 4,370 |
Net loans and leases to total assets | 67.1453% | 2,943 |
Net loans and leases to deposits | 83.5314% | 2,546 |
Net loans and leases to core deposits | 84.9622% | 2,987 |
Total domestic deposits to total assets | 80.3834% | 4,267 |
Equity capital to assets | 13.8526% | 948 |
Core capital (leverage) ratio | 13.6267% | 931 |
Tier 1 risk-based capital ratio | 18.3644% | 1,691 |
Total risk-based capital ratio | 19.5298% | 1,666 |
Memoranda: | ||
Average total assets | $280,693,000 | 2,286 |
Average earning assets | $258,418,400 | 2,287 |
Average equity | $39,951,600 | 1,862 |
Average total loans | $182,179,400 | 2,303 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4378% | 1,834 |
Cost of funding earning assets | 0.2850% | 4,269 |
Net interest margin | 4.1529% | 1,272 |
Noninterest income to average assets | 0.9718% | 1,089 |
Noninterest expense to average assets | 3.1769% | 1,614 |
Loan and lease loss provision to assets | 0.0273% | 3,585 |
Net operating income to assets | 1.5870% | 748 |
Return on assets (ROA) | 1.6220% | 701 |
Pretax return on assets | 1.6220% | 1,346 |
Return on Equity (ROE) | 11.3169% | 1,561 |
Retained earnings to average equity (ytd only) | 5.1753% | 2,764 |
Net charge-offs to loans | 0.0374% | 2,692 |
Credit loss provision to net charge-offs | 114.0000% | 2,088 |
Earnings coverage of net charge-offs (x) | 67.3750% | 921 |
Efficiency ratio | 64.5565% | 3,443 |
Assets per employee ($millions) | 4.1360% | 3,765 |
Cash dividends to net income (ytd only)* | 54.2688% | 1,575 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2937% | 2,384 |
Loan loss allowance to noncurrent loans | 1,372.7273% | 474 |
Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,920 |
Noncurrent loans to loans | 0.0942% | 4,691 |
Net loans and leases to total assets | 65.5423% | 3,171 |
Net loans and leases to deposits | 86.5154% | 2,239 |
Net loans and leases to core deposits | 88.2737% | 2,744 |
Total domestic deposits to total assets | 75.7579% | 5,048 |
Equity capital to assets | 14.4496% | 869 |
Core capital (leverage) ratio | 13.8278% | 932 |
Tier 1 risk-based capital ratio | 19.0445% | 1,571 |
Total risk-based capital ratio | 20.2540% | 1,546 |
Memoranda: | ||
Average total assets | $278,251,750 | 2,313 |
Average earning assets | $255,914,000 | 2,322 |
Average equity | $39,880,500 | 1,878 |
Average total loans | $178,357,500 | 2,355 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3919% | 1,841 |
Cost of funding earning assets | 0.2630% | 4,436 |
Net interest margin | 4.1289% | 1,251 |
Noninterest income to average assets | 0.9890% | 1,042 |
Noninterest expense to average assets | 3.1985% | 1,585 |
Loan and lease loss provision to assets | 0.0310% | 3,382 |
Net operating income to assets | 1.5538% | 785 |
Return on assets (ROA) | 1.5733% | 766 |
Pretax return on assets | 1.5733% | 1,424 |
Return on Equity (ROE) | 11.0075% | 1,647 |
Retained earnings to average equity (ytd only) | 6.0362% | 2,092 |
Net charge-offs to loans | 0.0308% | 2,591 |
Credit loss provision to net charge-offs | 159.2593% | 1,470 |
Earnings coverage of net charge-offs (x) | 81.3704% | 756 |
Efficiency ratio | 65.1033% | 3,493 |
Assets per employee ($millions) | 4.1457% | 3,720 |
Cash dividends to net income (ytd only)* | 45.1628% | 2,072 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3494% | 2,177 |
Loan loss allowance to noncurrent loans | 1,165.3846% | 515 |
Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,829 |
Noncurrent loans to loans | 0.1158% | 4,657 |
Net loans and leases to total assets | 63.7992% | 3,415 |
Net loans and leases to deposits | 82.1139% | 2,687 |
Net loans and leases to core deposits | 83.3663% | 3,140 |
Total domestic deposits to total assets | 77.6960% | 4,864 |
Equity capital to assets | 14.6093% | 798 |
Core capital (leverage) ratio | 13.6912% | 942 |
Tier 1 risk-based capital ratio | 19.5891% | 1,453 |
Total risk-based capital ratio | 20.8390% | 1,410 |
Memoranda: | ||
Average total assets | $277,253,670 | 2,327 |
Average earning assets | $254,789,330 | 2,337 |
Average equity | $39,627,670 | 1,885 |
Average total loans | $175,559,670 | 2,390 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3163% | 1,914 |
Cost of funding earning assets | 0.2421% | 4,608 |
Net interest margin | 4.0742% | 1,288 |
Noninterest income to average assets | 0.9459% | 1,116 |
Noninterest expense to average assets | 3.1899% | 1,642 |
Loan and lease loss provision to assets | 0.0303% | 3,172 |
Net operating income to assets | 1.4686% | 863 |
Return on assets (ROA) | 1.4672% | 889 |
Pretax return on assets | 1.4672% | 1,642 |
Return on Equity (ROE) | 10.3801% | 1,786 |
Retained earnings to average equity (ytd only) | 8.4389% | 1,297 |
Net charge-offs to loans | -0.0046% | 4,159 |
Credit loss provision to net charge-offs | -1,050.0000% | 4,435 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.2458% | 3,458 |
Assets per employee ($millions) | 4.1670% | 3,726 |
Cash dividends to net income (ytd only)* | 18.7008% | 2,559 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3741% | 2,191 |
Loan loss allowance to noncurrent loans | 924.7148% | 637 |
Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,895 |
Noncurrent loans to loans | 0.1486% | 4,592 |
Net loans and leases to total assets | 62.5231% | 3,466 |
Net loans and leases to deposits | 77.0964% | 3,065 |
Net loans and leases to core deposits | 78.2174% | 3,446 |
Total domestic deposits to total assets | 81.0973% | 4,394 |
Equity capital to assets | 14.2470% | 835 |
Core capital (leverage) ratio | 13.7190% | 911 |
Tier 1 risk-based capital ratio | 19.6981% | 1,451 |
Total risk-based capital ratio | 20.9482% | 1,424 |
Memoranda: | ||
Average total assets | $276,999,500 | 2,352 |
Average earning assets | $254,479,000 | 2,363 |
Average equity | $39,152,000 | 1,907 |
Average total loans | $173,522,500 | 2,422 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4080% | 1,796 |
Cost of funding earning assets | 0.2496% | 4,569 |
Net interest margin | 4.1585% | 1,219 |
Noninterest income to average assets | 1.0302% | 1,062 |
Noninterest expense to average assets | 3.3584% | 1,444 |
Loan and lease loss provision to assets | 0.0557% | 3,268 |
Net operating income to assets | 1.4588% | 901 |
Return on assets (ROA) | 1.4645% | 918 |
Pretax return on assets | 1.4670% | 1,693 |
Return on Equity (ROE) | 10.2425% | 1,865 |
Retained earnings to average equity (ytd only) | -4.3158% | 5,649 |
Net charge-offs to loans | -0.0053% | 4,819 |
Credit loss provision to net charge-offs | -1,712.5000% | 5,366 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.4277% | 3,360 |
Assets per employee ($millions) | 4.0426% | 3,887 |
Cash dividends to net income (ytd only)* | 142.1359% | 168 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4166% | 2,011 |
Loan loss allowance to noncurrent loans | 892.2222% | 664 |
Noncurrent assets plus other real estate owned to assets | 0.0982% | 4,928 |
Noncurrent loans to loans | 0.1588% | 4,603 |
Net loans and leases to total assets | 60.9852% | 3,732 |
Net loans and leases to deposits | 73.6098% | 3,552 |
Net loans and leases to core deposits | 74.7753% | 3,857 |
Total domestic deposits to total assets | 82.8493% | 3,817 |
Equity capital to assets | 14.0470% | 875 |
Core capital (leverage) ratio | 13.2795% | 1,036 |
Tier 1 risk-based capital ratio | 20.0059% | 1,370 |
Total risk-based capital ratio | 21.2564% | 1,339 |
Memoranda: | ||
Average total assets | $246,156,200 | 2,540 |
Average earning assets | $227,608,600 | 2,534 |
Average equity | $35,196,400 | 2,063 |
Average total loans | $152,146,000 | 2,616 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4330% | 1,751 |
Cost of funding earning assets | 0.2517% | 4,588 |
Net interest margin | 4.1813% | 1,174 |
Noninterest income to average assets | 1.0511% | 1,027 |
Noninterest expense to average assets | 3.3560% | 1,438 |
Loan and lease loss provision to assets | 0.0541% | 3,180 |
Net operating income to assets | 1.5126% | 857 |
Return on assets (ROA) | 1.5204% | 897 |
Pretax return on assets | 1.5232% | 1,638 |
Return on Equity (ROE) | 10.5797% | 1,841 |
Retained earnings to average equity (ytd only) | -6.9418% | 5,791 |
Net charge-offs to loans | -0.0163% | 4,942 |
Credit loss provision to net charge-offs | -538.8889% | 5,091 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.8101% | 3,455 |
Assets per employee ($millions) | 3.8822% | 4,158 |
Cash dividends to net income (ytd only)* | 165.6147% | 119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4378% | 2,031 |
Loan loss allowance to noncurrent loans | 831.4685% | 690 |
Noncurrent assets plus other real estate owned to assets | 0.1052% | 5,010 |
Noncurrent loans to loans | 0.1729% | 4,662 |
Net loans and leases to total assets | 59.9847% | 3,881 |
Net loans and leases to deposits | 76.8762% | 3,299 |
Net loans and leases to core deposits | 78.3475% | 3,628 |
Total domestic deposits to total assets | 78.0277% | 4,908 |
Equity capital to assets | 14.8964% | 761 |
Core capital (leverage) ratio | 13.4391% | 1,023 |
Tier 1 risk-based capital ratio | 20.5509% | 1,347 |
Total risk-based capital ratio | 21.8020% | 1,315 |
Memoranda: | ||
Average total assets | $238,970,750 | 2,597 |
Average earning assets | $221,425,500 | 2,593 |
Average equity | $34,341,750 | 2,130 |
Average total loans | $147,668,500 | 2,678 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4370% | 1,718 |
Cost of funding earning assets | 0.2493% | 4,668 |
Net interest margin | 4.1877% | 1,144 |
Noninterest income to average assets | 1.0402% | 1,034 |
Noninterest expense to average assets | 3.3713% | 1,433 |
Loan and lease loss provision to assets | 0.0509% | 3,128 |
Net operating income to assets | 1.5050% | 886 |
Return on assets (ROA) | 1.5129% | 915 |
Pretax return on assets | 1.5155% | 1,621 |
Return on Equity (ROE) | 10.6827% | 1,773 |
Retained earnings to average equity (ytd only) | -15.6679% | 5,941 |
Net charge-offs to loans | -0.0198% | 4,941 |
Credit loss provision to net charge-offs | -414.2857% | 4,889 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3864% | 3,261 |
Assets per employee ($millions) | 3.9134% | 4,073 |
Cash dividends to net income (ytd only)* | 246.6667% | 73 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4269% | 2,174 |
Loan loss allowance to noncurrent loans | 431.6081% | 1,196 |
Noncurrent assets plus other real estate owned to assets | 0.2114% | 4,650 |
Noncurrent loans to loans | 0.3306% | 4,182 |
Net loans and leases to total assets | 58.8863% | 4,024 |
Net loans and leases to deposits | 75.1746% | 3,465 |
Net loans and leases to core deposits | 76.5946% | 3,773 |
Total domestic deposits to total assets | 78.3327% | 4,932 |
Equity capital to assets | 14.5807% | 850 |
Core capital (leverage) ratio | 12.9229% | 1,182 |
Tier 1 risk-based capital ratio | 20.3830% | 1,367 |
Total risk-based capital ratio | 21.6341% | 1,349 |
Memoranda: | ||
Average total assets | $228,044,000 | 2,697 |
Average earning assets | $211,808,670 | 2,699 |
Average equity | $32,295,330 | 2,231 |
Average total loans | $141,762,330 | 2,754 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2297% | 2,375 |
Cost of funding earning assets | 0.2066% | 5,141 |
Net interest margin | 4.0231% | 1,549 |
Noninterest income to average assets | 1.1234% | 864 |
Noninterest expense to average assets | 3.2219% | 1,789 |
Loan and lease loss provision to assets | 0.0351% | 3,194 |
Net operating income to assets | 1.6226% | 672 |
Return on assets (ROA) | 1.6226% | 713 |
Pretax return on assets | 1.6265% | 1,232 |
Return on Equity (ROE) | 11.6887% | 1,404 |
Retained earnings to average equity (ytd only) | -40.2922% | 6,060 |
Net charge-offs to loans | -0.0122% | 4,618 |
Credit loss provision to net charge-offs | -450.0000% | 4,527 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.9744% | 3,809 |
Assets per employee ($millions) | 3.8323% | 4,244 |
Cash dividends to net income (ytd only)* | 444.7115% | 55 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7580% | 1,228 |
Loan loss allowance to noncurrent loans | 1,011.0619% | 580 |
Noncurrent assets plus other real estate owned to assets | 0.1113% | 5,130 |
Noncurrent loans to loans | 0.1739% | 4,790 |
Net loans and leases to total assets | 62.8678% | 3,402 |
Net loans and leases to deposits | 84.6096% | 2,234 |
Net loans and leases to core deposits | 85.4104% | 2,798 |
Total domestic deposits to total assets | 74.3033% | 5,590 |
Equity capital to assets | 13.3621% | 1,238 |
Core capital (leverage) ratio | 12.1905% | 1,500 |
Tier 1 risk-based capital ratio | 18.6875% | 1,806 |
Total risk-based capital ratio | 19.9425% | 1,765 |
Memoranda: | ||
Average total assets | $205,097,000 | 2,935 |
Average earning assets | $191,693,500 | 2,914 |
Average equity | $28,472,000 | 2,484 |
Average total loans | $130,820,000 | 2,921 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4636% | 1,709 |
Cost of funding earning assets | 0.2083% | 5,212 |
Net interest margin | 4.2552% | 1,056 |
Noninterest income to average assets | 0.9663% | 1,275 |
Noninterest expense to average assets | 3.0343% | 2,433 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.8813% | 418 |
Return on assets (ROA) | 1.7194% | 579 |
Pretax return on assets | 1.7238% | 946 |
Return on Equity (ROE) | 11.9785% | 1,306 |
Retained earnings to average equity (ytd only) | 7.2277% | 1,188 |
Net charge-offs to loans | 0.0530% | 3,140 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 56.1618% | 920 |
Efficiency ratio | 61.6720% | 4,662 |
Assets per employee ($millions) | 3.9072% | 4,108 |
Cash dividends to net income (ytd only)* | 39.6611% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7188% | 1,314 |
Loan loss allowance to noncurrent loans | 1,178.6458% | 520 |
Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,245 |
Noncurrent loans to loans | 0.1458% | 4,909 |
Net loans and leases to total assets | 62.4873% | 3,491 |
Net loans and leases to deposits | 80.9170% | 2,719 |
Net loans and leases to core deposits | 81.6424% | 3,188 |
Total domestic deposits to total assets | 77.2240% | 5,280 |
Equity capital to assets | 14.3924% | 802 |
Core capital (leverage) ratio | 13.7159% | 901 |
Tier 1 risk-based capital ratio | 20.6787% | 1,354 |
Total risk-based capital ratio | 21.9338% | 1,326 |
Memoranda: | ||
Average total assets | $202,516,200 | 2,921 |
Average earning assets | $188,167,600 | 2,911 |
Average equity | $29,068,800 | 2,389 |
Average total loans | $128,237,600 | 2,914 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4841% | 1,642 |
Cost of funding earning assets | 0.2170% | 5,216 |
Net interest margin | 4.2672% | 1,026 |
Noninterest income to average assets | 0.9700% | 1,261 |
Noninterest expense to average assets | 3.0331% | 2,422 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.8910% | 435 |
Return on assets (ROA) | 1.7201% | 623 |
Pretax return on assets | 1.7248% | 1,042 |
Return on Equity (ROE) | 11.9921% | 1,377 |
Retained earnings to average equity (ytd only) | 8.3686% | 1,104 |
Net charge-offs to loans | 0.0691% | 2,576 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 43.3777% | 1,158 |
Efficiency ratio | 61.5395% | 4,640 |
Assets per employee ($millions) | 3.7969% | 4,270 |
Cash dividends to net income (ytd only)* | 30.2156% | 2,803 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7442% | 1,374 |
Loan loss allowance to noncurrent loans | 432.2519% | 1,168 |
Noncurrent assets plus other real estate owned to assets | 0.2664% | 4,701 |
Noncurrent loans to loans | 0.4035% | 4,164 |
Net loans and leases to total assets | 63.4030% | 3,394 |
Net loans and leases to deposits | 87.9592% | 1,908 |
Net loans and leases to core deposits | 89.0737% | 2,551 |
Total domestic deposits to total assets | 72.0823% | 5,854 |
Equity capital to assets | 14.7581% | 795 |
Core capital (leverage) ratio | 13.7075% | 943 |
Tier 1 risk-based capital ratio | 20.9596% | 1,344 |
Total risk-based capital ratio | 22.2147% | 1,321 |
Memoranda: | ||
Average total assets | $201,374,750 | 2,955 |
Average earning assets | $186,817,000 | 2,945 |
Average equity | $28,885,000 | 2,415 |
Average total loans | $127,381,250 | 2,951 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4604% | 1,657 |
Cost of funding earning assets | 0.2232% | 5,219 |
Net interest margin | 4.2372% | 1,027 |
Noninterest income to average assets | 0.9423% | 1,327 |
Noninterest expense to average assets | 3.0255% | 2,479 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.8320% | 482 |
Return on assets (ROA) | 1.6622% | 698 |
Pretax return on assets | 1.6672% | 1,151 |
Return on Equity (ROE) | 11.7007% | 1,473 |
Retained earnings to average equity (ytd only) | 8.2408% | 1,170 |
Net charge-offs to loans | 0.0569% | 2,590 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 51.3889% | 942 |
Efficiency ratio | 62.2218% | 4,645 |
Assets per employee ($millions) | 3.8424% | 4,185 |
Cash dividends to net income (ytd only)* | 29.5699% | 2,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7887% | 1,391 |
Loan loss allowance to noncurrent loans | 673.0205% | 793 |
Noncurrent assets plus other real estate owned to assets | 0.1768% | 5,160 |
Noncurrent loans to loans | 0.2658% | 4,715 |
Net loans and leases to total assets | 61.8758% | 3,566 |
Net loans and leases to deposits | 81.8669% | 2,573 |
Net loans and leases to core deposits | 84.6747% | 2,914 |
Total domestic deposits to total assets | 75.5810% | 5,648 |
Equity capital to assets | 14.1737% | 924 |
Core capital (leverage) ratio | 13.4914% | 989 |
Tier 1 risk-based capital ratio | 20.4491% | 1,461 |
Total risk-based capital ratio | 21.7047% | 1,434 |
Memoranda: | ||
Average total assets | $201,420,330 | 2,977 |
Average earning assets | $186,349,000 | 2,971 |
Average equity | $28,613,670 | 2,444 |
Average total loans | $126,556,330 | 2,971 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4206% | 1,691 |
Cost of funding earning assets | 0.2234% | 5,283 |
Net interest margin | 4.1972% | 1,065 |
Noninterest income to average assets | 0.9126% | 1,347 |
Noninterest expense to average assets | 3.0154% | 2,538 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.7952% | 486 |
Return on assets (ROA) | 1.6295% | 709 |
Pretax return on assets | 1.6335% | 1,184 |
Return on Equity (ROE) | 11.4573% | 1,497 |
Retained earnings to average equity (ytd only) | 11.0641% | 709 |
Net charge-offs to loans | 0.0605% | 2,146 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 47.4211% | 869 |
Efficiency ratio | 62.6296% | 4,685 |
Assets per employee ($millions) | 3.5973% | 4,731 |
Cash dividends to net income (ytd only)* | 3.4314% | 2,816 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8508% | 1,393 |
Loan loss allowance to noncurrent loans | 666.2824% | 777 |
Noncurrent assets plus other real estate owned to assets | 0.2461% | 4,957 |
Noncurrent loans to loans | 0.2778% | 4,788 |
Net loans and leases to total assets | 61.9694% | 3,371 |
Net loans and leases to deposits | 81.1744% | 2,425 |
Net loans and leases to core deposits | 84.2216% | 2,743 |
Total domestic deposits to total assets | 76.3411% | 5,698 |
Equity capital to assets | 14.6750% | 785 |
Core capital (leverage) ratio | 13.1887% | 1,095 |
Tier 1 risk-based capital ratio | 21.0424% | 1,415 |
Total risk-based capital ratio | 22.2988% | 1,391 |
Memoranda: | ||
Average total assets | $200,308,000 | 3,011 |
Average earning assets | $186,220,000 | 2,985 |
Average equity | $28,488,500 | 2,464 |
Average total loans | $125,683,500 | 2,991 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5469% | 1,705 |
Cost of funding earning assets | 0.2489% | 5,333 |
Net interest margin | 4.2980% | 1,062 |
Noninterest income to average assets | 0.9630% | 1,310 |
Noninterest expense to average assets | 3.0639% | 2,643 |
Loan and lease loss provision to assets | 0.0114% | 4,396 |
Net operating income to assets | 1.8453% | 431 |
Return on assets (ROA) | 1.7170% | 580 |
Pretax return on assets | 1.7204% | 943 |
Return on Equity (ROE) | 13.0080% | 1,134 |
Retained earnings to average equity (ytd only) | 5.6783% | 2,149 |
Net charge-offs to loans | 0.0711% | 3,459 |
Credit loss provision to net charge-offs | 26.4368% | 3,896 |
Earnings coverage of net charge-offs (x) | 43.1609% | 1,021 |
Efficiency ratio | 62.2233% | 4,876 |
Assets per employee ($millions) | 3.6866% | 4,554 |
Cash dividends to net income (ytd only)* | 56.3474% | 1,935 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8435% | 1,441 |
Loan loss allowance to noncurrent loans | 594.6429% | 930 |
Noncurrent assets plus other real estate owned to assets | 0.2515% | 5,019 |
Noncurrent loans to loans | 0.3100% | 4,728 |
Net loans and leases to total assets | 61.2122% | 3,612 |
Net loans and leases to deposits | 80.6906% | 2,643 |
Net loans and leases to core deposits | 83.6732% | 2,931 |
Total domestic deposits to total assets | 75.8604% | 5,750 |
Equity capital to assets | 13.7807% | 1,037 |
Core capital (leverage) ratio | 12.6477% | 1,282 |
Tier 1 risk-based capital ratio | 21.1494% | 1,374 |
Total risk-based capital ratio | 22.4082% | 1,344 |
Memoranda: | ||
Average total assets | $201,868,400 | 2,964 |
Average earning assets | $186,040,000 | 2,959 |
Average equity | $26,645,200 | 2,517 |
Average total loans | $122,305,000 | 2,994 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5431% | 1,724 |
Cost of funding earning assets | 0.2564% | 5,340 |
Net interest margin | 4.2867% | 1,076 |
Noninterest income to average assets | 0.9574% | 1,345 |
Noninterest expense to average assets | 3.0409% | 2,672 |
Loan and lease loss provision to assets | 0.0152% | 4,109 |
Net operating income to assets | 1.8160% | 501 |
Return on assets (ROA) | 1.7026% | 634 |
Pretax return on assets | 1.7324% | 1,013 |
Return on Equity (ROE) | 13.0438% | 1,213 |
Retained earnings to average equity (ytd only) | 6.1952% | 2,276 |
Net charge-offs to loans | 0.0418% | 3,662 |
Credit loss provision to net charge-offs | 60.5263% | 2,926 |
Earnings coverage of net charge-offs (x) | 74.1512% | 745 |
Efficiency ratio | 62.0062% | 4,881 |
Assets per employee ($millions) | 3.6846% | 4,518 |
Cash dividends to net income (ytd only)* | 52.5048% | 1,715 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9115% | 1,428 |
Loan loss allowance to noncurrent loans | 437.5000% | 1,092 |
Noncurrent assets plus other real estate owned to assets | 0.2980% | 5,074 |
Noncurrent loans to loans | 0.4369% | 4,590 |
Net loans and leases to total assets | 60.2647% | 3,742 |
Net loans and leases to deposits | 81.9309% | 2,433 |
Net loans and leases to core deposits | 85.0721% | 2,766 |
Total domestic deposits to total assets | 73.5555% | 6,051 |
Equity capital to assets | 13.5361% | 1,166 |
Core capital (leverage) ratio | 12.5133% | 1,396 |
Tier 1 risk-based capital ratio | 21.0863% | 1,436 |
Total risk-based capital ratio | 22.3457% | 1,410 |
Memoranda: | ||
Average total assets | $201,645,000 | 2,995 |
Average earning assets | $185,653,750 | 2,989 |
Average equity | $26,321,000 | 2,548 |
Average total loans | $121,269,750 | 3,030 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5032% | 1,817 |
Cost of funding earning assets | 0.2638% | 5,348 |
Net interest margin | 4.2395% | 1,152 |
Noninterest income to average assets | 0.9249% | 1,411 |
Noninterest expense to average assets | 2.9984% | 2,833 |
Loan and lease loss provision to assets | 0.0229% | 3,822 |
Net operating income to assets | 1.7686% | 516 |
Return on assets (ROA) | 1.6820% | 634 |
Pretax return on assets | 1.7118% | 995 |
Return on Equity (ROE) | 13.0477% | 1,161 |
Retained earnings to average equity (ytd only) | 4.5933% | 3,236 |
Net charge-offs to loans | 0.0599% | 3,118 |
Credit loss provision to net charge-offs | 63.8889% | 2,580 |
Earnings coverage of net charge-offs (x) | 50.9722% | 900 |
Efficiency ratio | 62.1883% | 4,982 |
Assets per employee ($millions) | 3.7151% | 4,428 |
Cash dividends to net income (ytd only)* | 64.7962% | 1,331 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9259% | 1,519 |
Loan loss allowance to noncurrent loans | 477.3547% | 974 |
Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,252 |
Noncurrent loans to loans | 0.4035% | 4,778 |
Net loans and leases to total assets | 59.3629% | 3,808 |
Net loans and leases to deposits | 81.2004% | 2,357 |
Net loans and leases to core deposits | 84.5259% | 2,682 |
Total domestic deposits to total assets | 73.1066% | 6,181 |
Equity capital to assets | 13.1907% | 1,271 |
Core capital (leverage) ratio | 12.3803% | 1,454 |
Tier 1 risk-based capital ratio | 20.6141% | 1,537 |
Total risk-based capital ratio | 21.8737% | 1,508 |
Memoranda: | ||
Average total assets | $201,309,670 | 3,019 |
Average earning assets | $185,022,000 | 3,012 |
Average equity | $25,951,000 | 2,569 |
Average total loans | $120,190,670 | 3,057 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5201% | 1,746 |
Cost of funding earning assets | 0.2824% | 5,253 |
Net interest margin | 4.2378% | 1,122 |
Noninterest income to average assets | 0.8348% | 1,619 |
Noninterest expense to average assets | 2.9930% | 2,878 |
Loan and lease loss provision to assets | 0.0460% | 3,176 |
Net operating income to assets | 1.6410% | 628 |
Return on assets (ROA) | 1.6076% | 688 |
Pretax return on assets | 1.6377% | 1,090 |
Return on Equity (ROE) | 12.6208% | 1,254 |
Retained earnings to average equity (ytd only) | 2.7033% | 4,463 |
Net charge-offs to loans | -0.0709% | 5,962 |
Credit loss provision to net charge-offs | -109.5238% | 4,851 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.5359% | 4,932 |
Assets per employee ($millions) | 3.6366% | 4,654 |
Cash dividends to net income (ytd only)* | 78.5803% | 997 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0778% | 1,374 |
Loan loss allowance to noncurrent loans | 349.9283% | 1,293 |
Noncurrent assets plus other real estate owned to assets | 0.3710% | 5,043 |
Noncurrent loans to loans | 0.5938% | 4,381 |
Net loans and leases to total assets | 57.4673% | 3,928 |
Net loans and leases to deposits | 73.2390% | 3,161 |
Net loans and leases to core deposits | 76.0913% | 3,401 |
Total domestic deposits to total assets | 78.4654% | 5,761 |
Equity capital to assets | 12.8917% | 1,358 |
Core capital (leverage) ratio | 12.2617% | 1,500 |
Tier 1 risk-based capital ratio | 20.9116% | 1,485 |
Total risk-based capital ratio | 22.1723% | 1,465 |
Memoranda: | ||
Average total assets | $199,798,000 | 3,051 |
Average earning assets | $182,737,500 | 3,068 |
Average equity | $25,450,000 | 2,601 |
Average total loans | $118,446,000 | 3,103 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6644% | 1,673 |
Cost of funding earning assets | 0.3936% | 4,724 |
Net interest margin | 4.2708% | 1,170 |
Noninterest income to average assets | 0.9962% | 1,405 |
Noninterest expense to average assets | 3.0896% | 2,767 |
Loan and lease loss provision to assets | 0.0454% | 4,210 |
Net operating income to assets | 1.7277% | 558 |
Return on assets (ROA) | 1.5502% | 783 |
Pretax return on assets | 1.5774% | 1,230 |
Return on Equity (ROE) | 12.2771% | 1,334 |
Retained earnings to average equity (ytd only) | 7.9399% | 1,075 |
Net charge-offs to loans | 0.1734% | 3,092 |
Credit loss provision to net charge-offs | 44.8780% | 3,942 |
Earnings coverage of net charge-offs (x) | 17.8341% | 1,694 |
Efficiency ratio | 63.1377% | 5,034 |
Assets per employee ($millions) | 3.6960% | 4,487 |
Cash dividends to net income (ytd only)* | 35.3278% | 3,034 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0040% | 1,541 |
Loan loss allowance to noncurrent loans | 305.4847% | 1,464 |
Noncurrent assets plus other real estate owned to assets | 0.4089% | 5,031 |
Noncurrent loans to loans | 0.6560% | 4,330 |
Net loans and leases to total assets | 58.6803% | 3,921 |
Net loans and leases to deposits | 74.6794% | 3,160 |
Net loans and leases to core deposits | 77.4664% | 3,428 |
Total domestic deposits to total assets | 78.5763% | 5,727 |
Equity capital to assets | 12.5837% | 1,473 |
Core capital (leverage) ratio | 11.9606% | 1,637 |
Tier 1 risk-based capital ratio | 20.8078% | 1,463 |
Total risk-based capital ratio | 22.0369% | 1,446 |
Memoranda: | ||
Average total assets | $202,679,600 | 3,005 |
Average earning assets | $184,953,200 | 3,023 |
Average equity | $25,592,400 | 2,577 |
Average total loans | $118,223,800 | 3,071 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6568% | 1,733 |
Cost of funding earning assets | 0.4258% | 4,546 |
Net interest margin | 4.2310% | 1,243 |
Noninterest income to average assets | 1.0177% | 1,404 |
Noninterest expense to average assets | 3.0866% | 2,704 |
Loan and lease loss provision to assets | 0.0446% | 4,126 |
Net operating income to assets | 1.7111% | 620 |
Return on assets (ROA) | 1.5184% | 916 |
Pretax return on assets | 1.5446% | 1,482 |
Return on Equity (ROE) | 12.0150% | 1,469 |
Retained earnings to average equity (ytd only) | 8.6288% | 1,184 |
Net charge-offs to loans | 0.2047% | 2,598 |
Credit loss provision to net charge-offs | 37.5691% | 3,756 |
Earnings coverage of net charge-offs (x) | 15.0551% | 1,895 |
Efficiency ratio | 63.3490% | 4,912 |
Assets per employee ($millions) | 3.8686% | 4,096 |
Cash dividends to net income (ytd only)* | 28.1828% | 2,752 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9833% | 1,763 |
Loan loss allowance to noncurrent loans | 336.5169% | 1,252 |
Noncurrent assets plus other real estate owned to assets | 0.3931% | 5,238 |
Noncurrent loans to loans | 0.5894% | 4,727 |
Net loans and leases to total assets | 57.7513% | 4,052 |
Net loans and leases to deposits | 80.3059% | 2,365 |
Net loans and leases to core deposits | 83.5133% | 2,709 |
Total domestic deposits to total assets | 71.9142% | 6,500 |
Equity capital to assets | 12.3720% | 1,652 |
Core capital (leverage) ratio | 11.9085% | 1,729 |
Tier 1 risk-based capital ratio | 20.0861% | 1,715 |
Total risk-based capital ratio | 21.3536% | 1,684 |
Memoranda: | ||
Average total assets | $203,453,750 | 3,018 |
Average earning assets | $185,357,500 | 3,040 |
Average equity | $25,711,750 | 2,602 |
Average total loans | $117,902,000 | 3,100 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6344% | 1,741 |
Cost of funding earning assets | 0.4547% | 4,381 |
Net interest margin | 4.1797% | 1,333 |
Noninterest income to average assets | 1.0240% | 1,453 |
Noninterest expense to average assets | 3.0415% | 2,869 |
Loan and lease loss provision to assets | 0.0444% | 4,080 |
Net operating income to assets | 1.7236% | 599 |
Return on assets (ROA) | 1.5237% | 932 |
Pretax return on assets | 1.5483% | 1,489 |
Return on Equity (ROE) | 11.9721% | 1,504 |
Retained earnings to average equity (ytd only) | 8.9442% | 1,145 |
Net charge-offs to loans | 0.2446% | 2,258 |
Credit loss provision to net charge-offs | 31.4685% | 3,564 |
Earnings coverage of net charge-offs (x) | 12.7483% | 1,956 |
Efficiency ratio | 62.8641% | 5,039 |
Assets per employee ($millions) | 3.5807% | 4,668 |
Cash dividends to net income (ytd only)* | 25.2911% | 2,804 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0025% | 1,842 |
Loan loss allowance to noncurrent loans | 307.0064% | 1,377 |
Noncurrent assets plus other real estate owned to assets | 0.4384% | 5,177 |
Noncurrent loans to loans | 0.6523% | 4,637 |
Net loans and leases to total assets | 58.8159% | 3,854 |
Net loans and leases to deposits | 76.4802% | 2,805 |
Net loans and leases to core deposits | 79.3953% | 3,107 |
Total domestic deposits to total assets | 76.9034% | 6,139 |
Equity capital to assets | 12.4422% | 1,615 |
Core capital (leverage) ratio | 11.6989% | 1,799 |
Tier 1 risk-based capital ratio | 19.8102% | 1,763 |
Total risk-based capital ratio | 21.0782% | 1,736 |
Memoranda: | ||
Average total assets | $202,926,330 | 3,039 |
Average earning assets | $185,181,330 | 3,049 |
Average equity | $25,826,670 | 2,597 |
Average total loans | $116,933,670 | 3,130 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6774% | 1,600 |
Cost of funding earning assets | 0.4744% | 4,332 |
Net interest margin | 4.2030% | 1,174 |
Noninterest income to average assets | 0.9974% | 1,467 |
Noninterest expense to average assets | 3.0236% | 2,908 |
Loan and lease loss provision to assets | 0.0451% | 3,855 |
Net operating income to assets | 1.7262% | 546 |
Return on assets (ROA) | 1.5206% | 900 |
Pretax return on assets | 1.5402% | 1,454 |
Return on Equity (ROE) | 11.8178% | 1,470 |
Retained earnings to average equity (ytd only) | 11.4371% | 795 |
Net charge-offs to loans | 0.3576% | 1,572 |
Credit loss provision to net charge-offs | 22.3301% | 3,003 |
Earnings coverage of net charge-offs (x) | 8.8835% | 1,905 |
Efficiency ratio | 62.7746% | 5,185 |
Assets per employee ($millions) | 3.6797% | 4,603 |
Cash dividends to net income (ytd only)* | 3.2216% | 2,620 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0932% | 1,814 |
Loan loss allowance to noncurrent loans | 333.9752% | 1,196 |
Noncurrent assets plus other real estate owned to assets | 0.4610% | 5,230 |
Noncurrent loans to loans | 0.6267% | 4,877 |
Net loans and leases to total assets | 56.1164% | 4,061 |
Net loans and leases to deposits | 70.0036% | 3,481 |
Net loans and leases to core deposits | 72.6553% | 3,743 |
Total domestic deposits to total assets | 80.1622% | 5,719 |
Equity capital to assets | 13.0437% | 1,408 |
Core capital (leverage) ratio | 11.3419% | 1,982 |
Tier 1 risk-based capital ratio | 19.5084% | 1,903 |
Total risk-based capital ratio | 20.7763% | 1,871 |
Memoranda: | ||
Average total assets | $204,130,000 | 3,049 |
Average earning assets | $185,487,000 | 3,076 |
Average equity | $26,265,500 | 2,587 |
Average total loans | $115,227,000 | 3,176 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8920% | 1,866 |
Cost of funding earning assets | 0.5969% | 4,390 |
Net interest margin | 4.2951% | 1,408 |
Noninterest income to average assets | 1.0833% | 1,321 |
Noninterest expense to average assets | 3.1267% | 2,852 |
Loan and lease loss provision to assets | 0.1789% | 3,391 |
Net operating income to assets | 1.6538% | 680 |
Return on assets (ROA) | 1.4935% | 1,024 |
Pretax return on assets | 1.4935% | 1,692 |
Return on Equity (ROE) | 12.0712% | 1,489 |
Retained earnings to average equity (ytd only) | 7.9737% | 1,132 |
Net charge-offs to loans | -0.0044% | 6,373 |
Credit loss provision to net charge-offs | -7,320.0000% | 6,692 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.0458% | 5,070 |
Assets per employee ($millions) | 3.6764% | 4,612 |
Cash dividends to net income (ytd only)* | 33.9444% | 3,199 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1912% | 1,569 |
Loan loss allowance to noncurrent loans | 284.3537% | 1,359 |
Noncurrent assets plus other real estate owned to assets | 0.5333% | 5,145 |
Noncurrent loans to loans | 0.7706% | 4,643 |
Net loans and leases to total assets | 54.3761% | 4,572 |
Net loans and leases to deposits | 67.8405% | 4,010 |
Net loans and leases to core deposits | 70.5013% | 4,233 |
Total domestic deposits to total assets | 80.1529% | 5,619 |
Equity capital to assets | 12.6934% | 1,593 |
Core capital (leverage) ratio | 10.8262% | 2,410 |
Tier 1 risk-based capital ratio | 19.3395% | 1,859 |
Total risk-based capital ratio | 20.6093% | 1,822 |
Memoranda: | ||
Average total assets | $204,558,200 | 2,988 |
Average earning assets | $184,606,000 | 3,035 |
Average equity | $25,308,200 | 2,628 |
Average total loans | $114,089,000 | 3,206 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9375% | 1,872 |
Cost of funding earning assets | 0.6223% | 4,431 |
Net interest margin | 4.3151% | 1,426 |
Noninterest income to average assets | 1.0648% | 1,333 |
Noninterest expense to average assets | 3.0919% | 2,915 |
Loan and lease loss provision to assets | 0.1789% | 3,348 |
Net operating income to assets | 1.6824% | 711 |
Return on assets (ROA) | 1.5251% | 1,085 |
Pretax return on assets | 1.5251% | 1,789 |
Return on Equity (ROE) | 12.4077% | 1,493 |
Retained earnings to average equity (ytd only) | 8.9977% | 1,232 |
Net charge-offs to loans | -0.0059% | 6,289 |
Credit loss provision to net charge-offs | -5,480.0000% | 6,676 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.4226% | 5,079 |
Assets per employee ($millions) | 3.7412% | 4,446 |
Cash dividends to net income (ytd only)* | 27.4829% | 2,750 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1500% | 1,807 |
Loan loss allowance to noncurrent loans | 273.6127% | 1,343 |
Noncurrent assets plus other real estate owned to assets | 0.5331% | 5,347 |
Noncurrent loans to loans | 0.7858% | 4,836 |
Net loans and leases to total assets | 54.4276% | 4,685 |
Net loans and leases to deposits | 70.2284% | 3,864 |
Net loans and leases to core deposits | 73.1415% | 4,094 |
Total domestic deposits to total assets | 77.5009% | 6,164 |
Equity capital to assets | 12.9632% | 1,607 |
Core capital (leverage) ratio | 10.9312% | 2,458 |
Tier 1 risk-based capital ratio | 19.4909% | 1,882 |
Total risk-based capital ratio | 20.7521% | 1,856 |
Memoranda: | ||
Average total assets | $204,228,000 | 3,028 |
Average earning assets | $184,030,250 | 3,067 |
Average equity | $25,102,000 | 2,676 |
Average total loans | $113,997,000 | 3,236 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9708% | 1,869 |
Cost of funding earning assets | 0.6476% | 4,461 |
Net interest margin | 4.3233% | 1,412 |
Noninterest income to average assets | 1.0002% | 1,464 |
Noninterest expense to average assets | 3.0484% | 3,094 |
Loan and lease loss provision to assets | 0.1776% | 3,319 |
Net operating income to assets | 1.6764% | 708 |
Return on assets (ROA) | 1.5281% | 1,066 |
Pretax return on assets | 1.5281% | 1,783 |
Return on Equity (ROE) | 12.6598% | 1,455 |
Retained earnings to average equity (ytd only) | 9.3291% | 1,165 |
Net charge-offs to loans | -0.0227% | 6,455 |
Credit loss provision to net charge-offs | -1,400.0000% | 6,449 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.1815% | 5,217 |
Assets per employee ($millions) | 3.5778% | 4,794 |
Cash dividends to net income (ytd only)* | 26.3091% | 2,761 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0860% | 2,024 |
Loan loss allowance to noncurrent loans | 311.7647% | 1,151 |
Noncurrent assets plus other real estate owned to assets | 0.4582% | 5,634 |
Noncurrent loans to loans | 0.6691% | 5,165 |
Net loans and leases to total assets | 54.6333% | 4,686 |
Net loans and leases to deposits | 74.1790% | 3,263 |
Net loans and leases to core deposits | 76.3650% | 3,730 |
Total domestic deposits to total assets | 73.6506% | 6,701 |
Equity capital to assets | 12.6646% | 1,709 |
Core capital (leverage) ratio | 10.5372% | 2,768 |
Tier 1 risk-based capital ratio | 18.8363% | 2,013 |
Total risk-based capital ratio | 20.0615% | 2,002 |
Memoranda: | ||
Average total assets | $204,962,000 | 3,031 |
Average earning assets | $184,999,330 | 3,059 |
Average equity | $24,739,670 | 2,695 |
Average total loans | $114,538,000 | 3,241 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9664% | 2,015 |
Cost of funding earning assets | 0.6830% | 4,428 |
Net interest margin | 4.2835% | 1,523 |
Noninterest income to average assets | 0.9572% | 1,542 |
Noninterest expense to average assets | 2.9759% | 3,353 |
Loan and lease loss provision to assets | 0.1756% | 3,209 |
Net operating income to assets | 1.6790% | 751 |
Return on assets (ROA) | 1.5208% | 1,109 |
Pretax return on assets | 1.5208% | 1,821 |
Return on Equity (ROE) | 12.9061% | 1,431 |
Retained earnings to average equity (ytd only) | 12.9061% | 697 |
Net charge-offs to loans | -0.0138% | 6,055 |
Credit loss provision to net charge-offs | -2,275.0000% | 6,081 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6061% | 5,351 |
Assets per employee ($millions) | 4.0168% | 3,966 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9513% | 2,521 |
Loan loss allowance to noncurrent loans | 307.8621% | 1,078 |
Noncurrent assets plus other real estate owned to assets | 0.4418% | 5,762 |
Noncurrent loans to loans | 0.6338% | 5,375 |
Net loans and leases to total assets | 54.7477% | 4,595 |
Net loans and leases to deposits | 75.0345% | 2,970 |
Net loans and leases to core deposits | 76.6912% | 3,526 |
Total domestic deposits to total assets | 72.9634% | 6,833 |
Equity capital to assets | 12.0699% | 1,993 |
Core capital (leverage) ratio | 10.2984% | 2,996 |
Tier 1 risk-based capital ratio | 18.4272% | 2,166 |
Total risk-based capital ratio | 19.6856% | 2,133 |
Memoranda: | ||
Average total assets | $207,266,000 | 3,022 |
Average earning assets | $187,418,500 | 3,046 |
Average equity | $24,422,500 | 2,725 |
Average total loans | $115,911,000 | 3,233 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0636% | 2,589 |
Cost of funding earning assets | 0.9385% | 3,801 |
Net interest margin | 4.1251% | 2,329 |
Noninterest income to average assets | 0.8935% | 1,692 |
Noninterest expense to average assets | 2.8657% | 4,104 |
Loan and lease loss provision to assets | 0.2666% | 3,552 |
Net operating income to assets | 0.9906% | 2,233 |
Return on assets (ROA) | 0.9265% | 2,621 |
Pretax return on assets | 1.4041% | 1,779 |
Return on Equity (ROE) | 9.0059% | 2,442 |
Retained earnings to average equity (ytd only) | 7.6243% | 1,218 |
Net charge-offs to loans | 0.1723% | 4,770 |
Credit loss provision to net charge-offs | 279.8995% | 846 |
Earnings coverage of net charge-offs (x) | 18.5628% | 1,214 |
Efficiency ratio | 61.8467% | 5,483 |
Assets per employee ($millions) | 3.6151% | 4,733 |
Cash dividends to net income (ytd only)* | 15.3409% | 3,710 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8197% | 2,805 |
Loan loss allowance to noncurrent loans | 311.9708% | 1,068 |
Noncurrent assets plus other real estate owned to assets | 0.4183% | 5,927 |
Noncurrent loans to loans | 0.5833% | 5,541 |
Net loans and leases to total assets | 54.9891% | 4,882 |
Net loans and leases to deposits | 78.9195% | 2,691 |
Net loans and leases to core deposits | 81.2783% | 3,289 |
Total domestic deposits to total assets | 69.6775% | 7,003 |
Equity capital to assets | 11.5030% | 2,502 |
Core capital (leverage) ratio | 9.7999% | 3,606 |
Tier 1 risk-based capital ratio | 17.4701% | 2,393 |
Total risk-based capital ratio | 18.7290% | 2,356 |
Memoranda: | ||
Average total assets | $208,956,600 | 2,955 |
Average earning assets | $189,451,600 | 2,970 |
Average equity | $21,497,000 | 2,951 |
Average total loans | $115,492,000 | 3,264 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0870% | 2,671 |
Cost of funding earning assets | 0.9996% | 3,677 |
Net interest margin | 4.0874% | 2,522 |
Noninterest income to average assets | 0.8851% | 1,704 |
Noninterest expense to average assets | 2.9070% | 3,904 |
Loan and lease loss provision to assets | 0.2107% | 3,919 |
Net operating income to assets | 1.0194% | 2,253 |
Return on assets (ROA) | 0.9586% | 2,659 |
Pretax return on assets | 1.3820% | 1,994 |
Return on Equity (ROE) | 9.6024% | 2,345 |
Retained earnings to average equity (ytd only) | 8.7835% | 1,221 |
Net charge-offs to loans | 0.1507% | 4,560 |
Credit loss provision to net charge-offs | 253.8462% | 1,128 |
Earnings coverage of net charge-offs (x) | 20.2461% | 1,229 |
Efficiency ratio | 63.3630% | 5,167 |
Assets per employee ($millions) | 3.9526% | 3,953 |
Cash dividends to net income (ytd only)* | 8.5275% | 3,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7293% | 3,173 |
Loan loss allowance to noncurrent loans | 199.5964% | 1,559 |
Noncurrent assets plus other real estate owned to assets | 0.7454% | 5,294 |
Noncurrent loans to loans | 0.8664% | 5,131 |
Net loans and leases to total assets | 54.6892% | 5,058 |
Net loans and leases to deposits | 77.3890% | 3,103 |
Net loans and leases to core deposits | 79.8996% | 3,652 |
Total domestic deposits to total assets | 70.6679% | 7,004 |
Equity capital to assets | 10.9270% | 3,212 |
Core capital (leverage) ratio | 9.8504% | 3,648 |
Tier 1 risk-based capital ratio | 17.2123% | 2,558 |
Total risk-based capital ratio | 18.4529% | 2,528 |
Memoranda: | ||
Average total assets | $208,776,750 | 2,972 |
Average earning assets | $189,131,000 | 2,987 |
Average equity | $20,841,500 | 3,032 |
Average total loans | $115,006,000 | 3,298 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0467% | 2,943 |
Cost of funding earning assets | 1.0748% | 3,428 |
Net interest margin | 3.9719% | 2,982 |
Noninterest income to average assets | 0.8987% | 1,652 |
Noninterest expense to average assets | 2.9277% | 3,912 |
Loan and lease loss provision to assets | 0.1887% | 4,031 |
Net operating income to assets | 0.9335% | 2,501 |
Return on assets (ROA) | 0.8758% | 2,842 |
Pretax return on assets | 1.2933% | 2,155 |
Return on Equity (ROE) | 9.0531% | 2,487 |
Retained earnings to average equity (ytd only) | 8.2848% | 1,348 |
Net charge-offs to loans | 0.1701% | 4,158 |
Credit loss provision to net charge-offs | 202.0408% | 1,495 |
Earnings coverage of net charge-offs (x) | 16.7755% | 1,323 |
Efficiency ratio | 65.1399% | 5,037 |
Assets per employee ($millions) | 3.9416% | 3,888 |
Cash dividends to net income (ytd only)* | 8.4875% | 3,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6623% | 3,444 |
Loan loss allowance to noncurrent loans | 168.2184% | 1,785 |
Noncurrent assets plus other real estate owned to assets | 0.9421% | 4,982 |
Noncurrent loans to loans | 0.9882% | 5,012 |
Net loans and leases to total assets | 53.2101% | 5,398 |
Net loans and leases to deposits | 78.5874% | 3,026 |
Net loans and leases to core deposits | 81.3522% | 3,600 |
Total domestic deposits to total assets | 67.7081% | 7,204 |
Equity capital to assets | 10.0999% | 4,019 |
Core capital (leverage) ratio | 9.1360% | 4,510 |
Tier 1 risk-based capital ratio | 16.9935% | 2,525 |
Total risk-based capital ratio | 18.2407% | 2,497 |
Memoranda: | ||
Average total assets | $209,857,000 | 2,975 |
Average earning assets | $189,984,000 | 2,997 |
Average equity | $20,302,330 | 3,085 |
Average total loans | $115,213,330 | 3,336 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0497% | 2,856 |
Cost of funding earning assets | 1.1343% | 3,272 |
Net interest margin | 3.9154% | 3,067 |
Noninterest income to average assets | 0.8520% | 1,844 |
Noninterest expense to average assets | 2.8906% | 4,098 |
Loan and lease loss provision to assets | 0.2035% | 3,602 |
Net operating income to assets | 0.8798% | 2,665 |
Return on assets (ROA) | 0.8177% | 2,993 |
Pretax return on assets | 1.2114% | 2,330 |
Return on Equity (ROE) | 8.6415% | 2,636 |
Retained earnings to average equity (ytd only) | 8.0788% | 1,704 |
Net charge-offs to loans | 0.1066% | 3,890 |
Credit loss provision to net charge-offs | 345.1613% | 949 |
Earnings coverage of net charge-offs (x) | 25.5484% | 960 |
Efficiency ratio | 65.7439% | 5,075 |
Assets per employee ($millions) | 4.0764% | 3,684 |
Cash dividends to net income (ytd only)* | 6.5116% | 2,434 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6142% | 3,674 |
Loan loss allowance to noncurrent loans | 176.5714% | 1,670 |
Noncurrent assets plus other real estate owned to assets | 1.0383% | 4,835 |
Noncurrent loans to loans | 0.9142% | 5,211 |
Net loans and leases to total assets | 53.3096% | 5,409 |
Net loans and leases to deposits | 76.4059% | 3,355 |
Net loans and leases to core deposits | 78.9699% | 3,895 |
Total domestic deposits to total assets | 69.7716% | 7,192 |
Equity capital to assets | 9.5036% | 4,429 |
Core capital (leverage) ratio | 9.1956% | 4,294 |
Tier 1 risk-based capital ratio | 16.2384% | 2,791 |
Total risk-based capital ratio | 17.4983% | 2,749 |
Memoranda: | ||
Average total assets | $210,333,500 | 2,984 |
Average earning assets | $190,427,500 | 3,005 |
Average equity | $19,904,000 | 3,129 |
Average total loans | $116,301,500 | 3,333 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3493% | 2,899 |
Cost of funding earning assets | 1.4009% | 3,259 |
Net interest margin | 3.9483% | 3,263 |
Noninterest income to average assets | 0.8678% | 1,985 |
Noninterest expense to average assets | 2.8941% | 4,251 |
Loan and lease loss provision to assets | 0.2231% | 5,046 |
Net operating income to assets | 1.0022% | 2,038 |
Return on assets (ROA) | 0.9837% | 2,207 |
Pretax return on assets | 1.3198% | 1,887 |
Return on Equity (ROE) | 10.7322% | 1,674 |
Retained earnings to average equity (ytd only) | 9.4269% | 615 |
Net charge-offs to loans | 0.2534% | 4,768 |
Credit loss provision to net charge-offs | 154.0984% | 2,303 |
Earnings coverage of net charge-offs (x) | 10.8262% | 1,667 |
Efficiency ratio | 64.8649% | 5,189 |
Assets per employee ($millions) | 3.7267% | 4,408 |
Cash dividends to net income (ytd only)* | 12.1622% | 3,689 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5100% | 3,954 |
Loan loss allowance to noncurrent loans | 163.4191% | 1,836 |
Noncurrent assets plus other real estate owned to assets | 0.8136% | 5,371 |
Noncurrent loans to loans | 0.9240% | 5,207 |
Net loans and leases to total assets | 55.5689% | 5,404 |
Net loans and leases to deposits | 78.5267% | 3,425 |
Net loans and leases to core deposits | 82.0352% | 3,905 |
Total domestic deposits to total assets | 70.7644% | 7,190 |
Equity capital to assets | 9.4219% | 4,515 |
Core capital (leverage) ratio | 8.7823% | 4,882 |
Tier 1 risk-based capital ratio | 15.5826% | 2,962 |
Total risk-based capital ratio | 16.8207% | 2,930 |
Memoranda: | ||
Average total assets | $210,638,000 | 2,974 |
Average earning assets | $191,727,800 | 2,978 |
Average equity | $19,306,400 | 3,240 |
Average total loans | $120,364,800 | 3,307 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3736% | 3,008 |
Cost of funding earning assets | 1.4272% | 3,411 |
Net interest margin | 3.9464% | 3,337 |
Noninterest income to average assets | 0.8582% | 1,964 |
Noninterest expense to average assets | 2.8286% | 4,357 |
Loan and lease loss provision to assets | 0.2008% | 5,044 |
Net operating income to assets | 0.9532% | 2,405 |
Return on assets (ROA) | 0.9549% | 2,523 |
Pretax return on assets | 1.4285% | 1,798 |
Return on Equity (ROE) | 10.4903% | 1,941 |
Retained earnings to average equity (ytd only) | 9.6300% | 887 |
Net charge-offs to loans | 0.1201% | 5,347 |
Credit loss provision to net charge-offs | 291.7431% | 1,098 |
Earnings coverage of net charge-offs (x) | 23.6330% | 1,054 |
Efficiency ratio | 63.4869% | 5,343 |
Assets per employee ($millions) | 3.7811% | 4,314 |
Cash dividends to net income (ytd only)* | 8.2011% | 3,374 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5298% | 3,828 |
Loan loss allowance to noncurrent loans | 125.8287% | 2,256 |
Noncurrent assets plus other real estate owned to assets | 0.8766% | 5,343 |
Noncurrent loans to loans | 1.2158% | 4,814 |
Net loans and leases to total assets | 56.3951% | 5,493 |
Net loans and leases to deposits | 79.2348% | 3,592 |
Net loans and leases to core deposits | 82.9973% | 4,088 |
Total domestic deposits to total assets | 71.1747% | 7,201 |
Equity capital to assets | 9.8551% | 4,344 |
Core capital (leverage) ratio | 8.7982% | 5,013 |
Tier 1 risk-based capital ratio | 15.2524% | 3,127 |
Total risk-based capital ratio | 16.4902% | 3,100 |
Memoranda: | ||
Average total assets | $211,124,000 | 3,023 |
Average earning assets | $192,441,500 | 3,003 |
Average equity | $19,217,250 | 3,290 |
Average total loans | $121,019,250 | 3,349 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4582% | 2,711 |
Cost of funding earning assets | 1.4518% | 3,546 |
Net interest margin | 4.0064% | 2,985 |
Noninterest income to average assets | 0.8361% | 1,939 |
Noninterest expense to average assets | 2.8372% | 4,325 |
Loan and lease loss provision to assets | 0.2130% | 4,757 |
Net operating income to assets | 0.9509% | 2,362 |
Return on assets (ROA) | 0.9652% | 2,399 |
Pretax return on assets | 1.4648% | 1,656 |
Return on Equity (ROE) | 10.8986% | 1,784 |
Retained earnings to average equity (ytd only) | 10.4197% | 762 |
Net charge-offs to loans | 0.1151% | 5,026 |
Credit loss provision to net charge-offs | 322.8571% | 1,135 |
Earnings coverage of net charge-offs (x) | 25.1000% | 1,045 |
Efficiency ratio | 63.1424% | 5,492 |
Assets per employee ($millions) | 3.8961% | 3,989 |
Cash dividends to net income (ytd only)* | 4.3945% | 3,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4675% | 4,079 |
Loan loss allowance to noncurrent loans | 141.0686% | 1,967 |
Noncurrent assets plus other real estate owned to assets | 0.7529% | 5,621 |
Noncurrent loans to loans | 1.0403% | 5,226 |
Net loans and leases to total assets | 56.4537% | 5,635 |
Net loans and leases to deposits | 80.5738% | 3,507 |
Net loans and leases to core deposits | 83.7846% | 4,161 |
Total domestic deposits to total assets | 70.0646% | 7,325 |
Equity capital to assets | 9.3693% | 4,898 |
Core capital (leverage) ratio | 8.3370% | 5,694 |
Tier 1 risk-based capital ratio | 14.6681% | 3,343 |
Total risk-based capital ratio | 15.9052% | 3,330 |
Memoranda: | ||
Average total assets | $212,177,670 | 3,030 |
Average earning assets | $193,689,670 | 3,025 |
Average equity | $18,791,330 | 3,334 |
Average total loans | $121,658,000 | 3,375 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4435% | 2,848 |
Cost of funding earning assets | 1.4698% | 3,738 |
Net interest margin | 3.9737% | 2,981 |
Noninterest income to average assets | 0.8016% | 2,014 |
Noninterest expense to average assets | 2.7690% | 4,612 |
Loan and lease loss provision to assets | 0.2534% | 4,018 |
Net operating income to assets | 0.9264% | 2,448 |
Return on assets (ROA) | 0.9499% | 2,428 |
Pretax return on assets | 1.4436% | 1,653 |
Return on Equity (ROE) | 11.0414% | 1,781 |
Retained earnings to average equity (ytd only) | 10.4959% | 1,045 |
Net charge-offs to loans | -0.0884% | 7,498 |
Credit loss provision to net charge-offs | -500.0000% | 6,266 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5000% | 5,732 |
Assets per employee ($millions) | 3.9097% | 4,072 |
Cash dividends to net income (ytd only)* | 4.9407% | 2,477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4663% | 4,095 |
Loan loss allowance to noncurrent loans | 143.8412% | 1,942 |
Noncurrent assets plus other real estate owned to assets | 0.9138% | 5,328 |
Noncurrent loans to loans | 1.0194% | 5,292 |
Net loans and leases to total assets | 55.4706% | 5,820 |
Net loans and leases to deposits | 79.8643% | 3,678 |
Net loans and leases to core deposits | 83.0524% | 4,333 |
Total domestic deposits to total assets | 69.4560% | 7,443 |
Equity capital to assets | 8.6950% | 5,740 |
Core capital (leverage) ratio | 8.2656% | 5,811 |
Tier 1 risk-based capital ratio | 14.0370% | 3,631 |
Total risk-based capital ratio | 15.2754% | 3,604 |
Memoranda: | ||
Average total assets | $213,071,500 | 3,068 |
Average earning assets | $194,580,000 | 3,067 |
Average equity | $18,331,000 | 3,431 |
Average total loans | $122,216,000 | 3,427 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9331% | 2,116 |
Cost of funding earning assets | 1.7404% | 4,303 |
Net interest margin | 4.1927% | 2,093 |
Noninterest income to average assets | 0.5949% | 3,673 |
Noninterest expense to average assets | 2.9636% | 4,290 |
Loan and lease loss provision to assets | 0.3608% | 4,639 |
Net operating income to assets | 0.7914% | 2,564 |
Return on assets (ROA) | 0.5045% | 3,805 |
Pretax return on assets | 0.7687% | 3,348 |
Return on Equity (ROE) | 5.9906% | 3,212 |
Retained earnings to average equity (ytd only) | 5.1488% | 1,740 |
Net charge-offs to loans | 0.8674% | 2,664 |
Credit loss provision to net charge-offs | 67.9159% | 6,532 |
Earnings coverage of net charge-offs (x) | 2.9442% | 3,610 |
Efficiency ratio | 65.4547% | 5,499 |
Assets per employee ($millions) | 3.7699% | 4,357 |
Cash dividends to net income (ytd only)* | 14.0520% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3074% | 4,708 |
Loan loss allowance to noncurrent loans | 475.8112% | 697 |
Noncurrent assets plus other real estate owned to assets | 0.5746% | 6,028 |
Noncurrent loans to loans | 0.2748% | 6,742 |
Net loans and leases to total assets | 57.6779% | 5,713 |
Net loans and leases to deposits | 80.8962% | 3,824 |
Net loans and leases to core deposits | 97.9787% | 4,221 |
Total domestic deposits to total assets | 71.2986% | 7,303 |
Equity capital to assets | 8.5097% | 5,864 |
Core capital (leverage) ratio | 8.1473% | 5,915 |
Tier 1 risk-based capital ratio | 13.6066% | 3,754 |
Total risk-based capital ratio | 14.8443% | 3,703 |
Memoranda: | ||
Average total assets | $205,933,600 | 3,107 |
Average earning assets | $193,171,000 | 3,060 |
Average equity | $17,343,800 | 3,605 |
Average total loans | $126,127,800 | 3,349 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9780% | 2,119 |
Cost of funding earning assets | 1.7968% | 4,398 |
Net interest margin | 4.1812% | 2,121 |
Noninterest income to average assets | 0.5030% | 4,458 |
Noninterest expense to average assets | 3.0003% | 4,044 |
Loan and lease loss provision to assets | 0.1942% | 5,441 |
Net operating income to assets | 0.6990% | 3,214 |
Return on assets (ROA) | 0.3271% | 4,795 |
Pretax return on assets | 0.6724% | 3,953 |
Return on Equity (ROE) | 3.8940% | 4,421 |
Retained earnings to average equity (ytd only) | 3.3510% | 3,430 |
Net charge-offs to loans | 0.6540% | 2,724 |
Credit loss provision to net charge-offs | 47.9100% | 6,342 |
Earnings coverage of net charge-offs (x) | 3.5724% | 3,474 |
Efficiency ratio | 67.4528% | 5,082 |
Assets per employee ($millions) | 3.6951% | 4,437 |
Cash dividends to net income (ytd only)* | 13.9440% | 3,414 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3097% | 4,443 |
Loan loss allowance to noncurrent loans | 86.2178% | 3,171 |
Noncurrent assets plus other real estate owned to assets | 1.1801% | 4,717 |
Noncurrent loans to loans | 1.5191% | 4,377 |
Net loans and leases to total assets | 59.6857% | 5,629 |
Net loans and leases to deposits | 88.0561% | 2,944 |
Net loans and leases to core deposits | 107.9703% | 3,478 |
Total domestic deposits to total assets | 67.7814% | 7,597 |
Equity capital to assets | 8.7713% | 5,845 |
Core capital (leverage) ratio | 7.8769% | 6,535 |
Tier 1 risk-based capital ratio | 13.3981% | 3,923 |
Total risk-based capital ratio | 14.6354% | 3,877 |
Memoranda: | ||
Average total assets | $204,639,000 | 3,151 |
Average earning assets | $193,080,000 | 3,078 |
Average equity | $17,188,500 | 3,667 |
Average total loans | $126,815,250 | 3,365 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0676% | 1,909 |
Cost of funding earning assets | 1.8579% | 4,475 |
Net interest margin | 4.2097% | 1,960 |
Noninterest income to average assets | 0.2531% | 6,469 |
Noninterest expense to average assets | 3.0067% | 4,058 |
Loan and lease loss provision to assets | 0.1776% | 5,274 |
Net operating income to assets | 0.6832% | 3,326 |
Return on assets (ROA) | 0.6936% | 3,396 |
Pretax return on assets | 1.0565% | 2,790 |
Return on Equity (ROE) | 8.3827% | 2,618 |
Retained earnings to average equity (ytd only) | 7.5528% | 1,375 |
Net charge-offs to loans | 0.1005% | 5,158 |
Credit loss provision to net charge-offs | 282.8125% | 1,658 |
Earnings coverage of net charge-offs (x) | 19.4063% | 1,367 |
Efficiency ratio | 71.1632% | 4,567 |
Assets per employee ($millions) | 3.7391% | 4,233 |
Cash dividends to net income (ytd only)* | 9.9010% | 3,400 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6370% | 2,585 |
Loan loss allowance to noncurrent loans | 122.7729% | 2,407 |
Noncurrent assets plus other real estate owned to assets | 0.8931% | 5,197 |
Noncurrent loans to loans | 1.3334% | 4,547 |
Net loans and leases to total assets | 59.7167% | 5,729 |
Net loans and leases to deposits | 86.3815% | 3,482 |
Net loans and leases to core deposits | 109.1329% | 3,477 |
Total domestic deposits to total assets | 69.1313% | 7,544 |
Equity capital to assets | 7.8887% | 6,876 |
Core capital (leverage) ratio | 7.8682% | 6,533 |
Tier 1 risk-based capital ratio | 13.3339% | 3,912 |
Total risk-based capital ratio | 14.5135% | 3,880 |
Memoranda: | ||
Average total assets | $203,877,330 | 3,181 |
Average earning assets | $192,365,000 | 3,114 |
Average equity | $16,868,000 | 3,739 |
Average total loans | $127,372,670 | 3,392 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1431% | 1,788 |
Cost of funding earning assets | 1.9056% | 4,599 |
Net interest margin | 4.2375% | 1,784 |
Noninterest income to average assets | 0.7398% | 2,655 |
Noninterest expense to average assets | 2.9793% | 3,852 |
Loan and lease loss provision to assets | 0.1790% | 4,665 |
Net operating income to assets | 1.0245% | 2,212 |
Return on assets (ROA) | 1.0362% | 2,308 |
Pretax return on assets | 1.5931% | 1,422 |
Return on Equity (ROE) | 12.2279% | 1,591 |
Retained earnings to average equity (ytd only) | 11.4064% | 902 |
Net charge-offs to loans | 0.0847% | 4,321 |
Credit loss provision to net charge-offs | 333.3333% | 1,485 |
Earnings coverage of net charge-offs (x) | 32.6667% | 997 |
Efficiency ratio | 62.9412% | 5,880 |
Assets per employee ($millions) | 3.7775% | 4,152 |
Cash dividends to net income (ytd only)* | 6.7179% | 2,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5873% | 2,571 |
Loan loss allowance to noncurrent loans | 104.3232% | 2,938 |
Noncurrent assets plus other real estate owned to assets | 1.1535% | 4,364 |
Noncurrent loans to loans | 1.5216% | 4,004 |
Net loans and leases to total assets | 61.6083% | 5,400 |
Net loans and leases to deposits | 79.8611% | 4,635 |
Net loans and leases to core deposits | 98.6986% | 4,679 |
Total domestic deposits to total assets | 77.1443% | 6,240 |
Equity capital to assets | 8.3717% | 6,279 |
Core capital (leverage) ratio | 8.1196% | 6,257 |
Tier 1 risk-based capital ratio | 13.5565% | 3,827 |
Total risk-based capital ratio | 14.7987% | 3,761 |
Memoranda: | ||
Average total assets | $201,122,500 | 3,224 |
Average earning assets | $189,547,000 | 3,160 |
Average equity | $17,043,000 | 3,723 |
Average total loans | $127,499,000 | 3,418 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5393% | 2,765 |
Cost of funding earning assets | 2.4484% | 4,478 |
Net interest margin | 4.0909% | 2,754 |
Noninterest income to average assets | 0.8172% | 2,418 |
Noninterest expense to average assets | 3.0036% | 4,067 |
Loan and lease loss provision to assets | 0.1689% | 5,217 |
Net operating income to assets | 1.0284% | 2,436 |
Return on assets (ROA) | 1.1206% | 1,981 |
Pretax return on assets | 1.6584% | 1,244 |
Return on Equity (ROE) | 13.9499% | 1,119 |
Retained earnings to average equity (ytd only) | 12.8798% | 170 |
Net charge-offs to loans | 0.4431% | 2,609 |
Credit loss provision to net charge-offs | 58.9286% | 6,242 |
Earnings coverage of net charge-offs (x) | 5.9036% | 3,492 |
Efficiency ratio | 63.9712% | 5,568 |
Assets per employee ($millions) | 3.7408% | 4,075 |
Cash dividends to net income (ytd only)* | 7.6712% | 4,734 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5436% | 2,479 |
Loan loss allowance to noncurrent loans | 124.2099% | 2,902 |
Noncurrent assets plus other real estate owned to assets | 1.0320% | 4,243 |
Noncurrent loans to loans | 1.2427% | 4,032 |
Net loans and leases to total assets | 63.2172% | 5,416 |
Net loans and leases to deposits | 86.1296% | 4,103 |
Net loans and leases to core deposits | 106.7544% | 4,108 |
Total domestic deposits to total assets | 73.3977% | 6,752 |
Equity capital to assets | 8.5791% | 5,966 |
Core capital (leverage) ratio | 8.1626% | 6,236 |
Tier 1 risk-based capital ratio | 13.2827% | 3,945 |
Total risk-based capital ratio | 14.5150% | 3,866 |
Memoranda: | ||
Average total assets | $195,433,200 | 3,197 |
Average earning assets | $185,265,600 | 3,109 |
Average equity | $15,699,000 | 3,990 |
Average total loans | $126,376,400 | 3,327 |