Home > Fortis Bank > Performance and Condition Ratios
Fortis Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8034% | 3,451 |
Cost of funding earning assets | 1.6862% | 2,757 |
Net interest margin | 3.1172% | 3,186 |
Noninterest income to average assets | 0.2800% | 3,001 |
Noninterest expense to average assets | 2.7182% | 1,709 |
Loan and lease loss provision to assets | -0.0100% | 4,145 |
Net operating income to assets | 0.4317% | 3,678 |
Return on assets (ROA) | 0.4317% | 3,703 |
Pretax return on assets | 0.5728% | 3,618 |
Return on Equity (ROE) | 5.4800% | 3,450 |
Retained earnings to average equity (ytd only) | 5.4758% | 2,436 |
Net charge-offs to loans | 0.0160% | 1,691 |
Credit loss provision to net charge-offs | 373.8095% | 627 |
Earnings coverage of net charge-offs (x) | 43.4286% | 1,056 |
Efficiency ratio | 82.9660% | 774 |
Assets per employee ($millions) | 15.0987% | 222 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9064% | 3,591 |
Loan loss allowance to noncurrent loans | 260.6110% | 1,805 |
Noncurrent assets plus other real estate owned to assets | 0.2816% | 2,144 |
Noncurrent loans to loans | 0.3478% | 2,260 |
Net loans and leases to total assets | 80.2300% | 573 |
Net loans and leases to deposits | 88.0309% | 1,301 |
Net loans and leases to core deposits | 98.0767% | 1,500 |
Total domestic deposits to total assets | 91.1400% | 483 |
Equity capital to assets | 7.9430% | 3,624 |
Core capital (leverage) ratio | 8.5377% | 4,065 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3665% | 2,399 |
Memoranda: | ||
Average total assets | $1,307,321,500 | 825 |
Average earning assets | $1,255,354,500 | 799 |
Average equity | $103,072,500 | 1,019 |
Average total loans | $1,046,809,000 | 743 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 2 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7936% | 3,437 |
Cost of funding earning assets | 2.4060% | 1,343 |
Net interest margin | 2.3876% | 4,010 |
Noninterest income to average assets | 0.2700% | 3,250 |
Noninterest expense to average assets | 2.5547% | 2,149 |
Loan and lease loss provision to assets | 0.0900% | 1,528 |
Net operating income to assets | -0.0628% | 4,230 |
Return on assets (ROA) | -0.0628% | 4,244 |
Pretax return on assets | -0.0833% | 4,234 |
Return on Equity (ROE) | -0.8100% | 4,238 |
Retained earnings to average equity (ytd only) | -0.8105% | 4,076 |
Net charge-offs to loans | 0.0684% | 1,446 |
Credit loss provision to net charge-offs | 231.7716% | 1,048 |
Earnings coverage of net charge-offs (x) | 0.2182% | 2,986 |
Efficiency ratio | 99.5546% | 288 |
Assets per employee ($millions) | 15.8666% | 184 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9246% | 3,555 |
Loan loss allowance to noncurrent loans | 227.0560% | 2,018 |
Noncurrent assets plus other real estate owned to assets | 0.3224% | 1,956 |
Noncurrent loans to loans | 0.4072% | 2,063 |
Net loans and leases to total assets | 78.4400% | 845 |
Net loans and leases to deposits | 87.4623% | 1,453 |
Net loans and leases to core deposits | 100.7557% | 1,404 |
Total domestic deposits to total assets | 89.6900% | 916 |
Equity capital to assets | 7.8249% | 3,610 |
Core capital (leverage) ratio | 8.5111% | 4,068 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6248% | 2,346 |
Memoranda: | ||
Average total assets | $1,303,550,200 | 820 |
Average earning assets | $1,252,224,800 | 791 |
Average equity | $101,053,400 | 1,009 |
Average total loans | $997,963,400 | 757 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7825% | 3,415 |
Cost of funding earning assets | 2.5793% | 1,021 |
Net interest margin | 2.2032% | 4,165 |
Noninterest income to average assets | 0.2700% | 3,229 |
Noninterest expense to average assets | 2.5192% | 2,188 |
Loan and lease loss provision to assets | 0.0900% | 1,382 |
Net operating income to assets | -0.1711% | 4,313 |
Return on assets (ROA) | -0.1711% | 4,335 |
Pretax return on assets | -0.2271% | 4,337 |
Return on Equity (ROE) | -2.2100% | 4,326 |
Retained earnings to average equity (ytd only) | -2.2128% | 4,214 |
Net charge-offs to loans | 0.0842% | 1,090 |
Credit loss provision to net charge-offs | 185.9200% | 1,138 |
Earnings coverage of net charge-offs (x) | -2.0880% | 4,473 |
Efficiency ratio | 105.5920% | 212 |
Assets per employee ($millions) | 17.1426% | 148 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9018% | 3,652 |
Loan loss allowance to noncurrent loans | 179.5063% | 2,375 |
Noncurrent assets plus other real estate owned to assets | 0.3817% | 1,734 |
Noncurrent loans to loans | 0.5024% | 1,821 |
Net loans and leases to total assets | 75.3000% | 1,212 |
Net loans and leases to deposits | 85.6839% | 1,669 |
Net loans and leases to core deposits | 104.5810% | 1,211 |
Total domestic deposits to total assets | 87.8800% | 1,278 |
Equity capital to assets | 7.6114% | 3,918 |
Core capital (leverage) ratio | 8.4218% | 4,148 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8919% | 2,281 |
Memoranda: | ||
Average total assets | $1,304,173,000 | 813 |
Average earning assets | $1,253,276,750 | 786 |
Average equity | $100,865,000 | 1,002 |
Average total loans | $989,922,250 | 758 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 2 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7576% | 3,354 |
Cost of funding earning assets | 2.5924% | 937 |
Net interest margin | 2.1652% | 4,192 |
Noninterest income to average assets | 0.1900% | 3,743 |
Noninterest expense to average assets | 2.5571% | 2,074 |
Loan and lease loss provision to assets | -0.0500% | 4,317 |
Net operating income to assets | -0.1783% | 4,341 |
Return on assets (ROA) | -0.1783% | 4,361 |
Pretax return on assets | -0.2365% | 4,358 |
Return on Equity (ROE) | -2.2900% | 4,354 |
Retained earnings to average equity (ytd only) | -2.2931% | 4,161 |
Net charge-offs to loans | 0.0387% | 1,417 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | -9.7000% | 4,524 |
Efficiency ratio | 112.5451% | 167 |
Assets per employee ($millions) | 16.8141% | 146 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8702% | 3,781 |
Loan loss allowance to noncurrent loans | 193.7299% | 2,341 |
Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,759 |
Noncurrent loans to loans | 0.4492% | 1,874 |
Net loans and leases to total assets | 77.2300% | 1,007 |
Net loans and leases to deposits | 94.9645% | 870 |
Net loans and leases to core deposits | 118.4392% | 679 |
Total domestic deposits to total assets | 81.3200% | 3,219 |
Equity capital to assets | 8.1075% | 3,364 |
Core capital (leverage) ratio | 8.8669% | 3,841 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6635% | 2,004 |
Memoranda: | ||
Average total assets | $1,293,190,333 | 821 |
Average earning assets | $1,243,232,667 | 792 |
Average equity | $100,562,000 | 996 |
Average total loans | $981,240,667 | 763 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7121% | 3,302 |
Cost of funding earning assets | 2.6443% | 776 |
Net interest margin | 2.0678% | 4,279 |
Noninterest income to average assets | 0.1700% | 3,835 |
Noninterest expense to average assets | 2.4583% | 2,360 |
Loan and lease loss provision to assets | -0.0500% | 4,346 |
Net operating income to assets | -0.1982% | 4,380 |
Return on assets (ROA) | -0.1982% | 4,366 |
Pretax return on assets | -0.2547% | 4,367 |
Return on Equity (ROE) | -2.6000% | 4,368 |
Retained earnings to average equity (ytd only) | -2.6015% | 3,981 |
Net charge-offs to loans | 0.0474% | 1,057 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | -8.5983% | 4,542 |
Efficiency ratio | 114.1850% | 151 |
Assets per employee ($millions) | 16.9427% | 152 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8781% | 3,765 |
Loan loss allowance to noncurrent loans | 207.5122% | 2,358 |
Noncurrent assets plus other real estate owned to assets | 0.3063% | 1,888 |
Noncurrent loans to loans | 0.4232% | 1,867 |
Net loans and leases to total assets | 71.7500% | 1,590 |
Net loans and leases to deposits | 86.0541% | 1,524 |
Net loans and leases to core deposits | 109.5644% | 955 |
Total domestic deposits to total assets | 83.3800% | 2,890 |
Equity capital to assets | 7.5106% | 3,670 |
Core capital (leverage) ratio | 8.6155% | 4,006 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7579% | 1,966 |
Memoranda: | ||
Average total assets | $1,317,663,500 | 816 |
Average earning assets | $1,265,685,000 | 784 |
Average equity | $100,404,500 | 993 |
Average total loans | $987,206,000 | 759 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7160% | 2,644 |
Cost of funding earning assets | 2.3875% | 474 |
Net interest margin | 2.3285% | 4,240 |
Noninterest income to average assets | 0.2500% | 3,442 |
Noninterest expense to average assets | 2.3190% | 2,801 |
Loan and lease loss provision to assets | 0.1400% | 913 |
Net operating income to assets | -0.0420% | 4,405 |
Return on assets (ROA) | -0.0551% | 4,398 |
Pretax return on assets | -0.0031% | 4,356 |
Return on Equity (ROE) | -0.7700% | 4,379 |
Retained earnings to average equity (ytd only) | -0.7670% | 4,169 |
Net charge-offs to loans | 0.0124% | 2,186 |
Credit loss provision to net charge-offs | 996.7480% | 412 |
Earnings coverage of net charge-offs (x) | 16.2602% | 2,017 |
Efficiency ratio | 93.9694% | 301 |
Assets per employee ($millions) | 16.4289% | 161 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8578% | 3,832 |
Loan loss allowance to noncurrent loans | 159.1035% | 2,783 |
Noncurrent assets plus other real estate owned to assets | 0.4177% | 1,329 |
Noncurrent loans to loans | 0.5391% | 1,445 |
Net loans and leases to total assets | 76.8100% | 1,000 |
Net loans and leases to deposits | 99.4940% | 563 |
Net loans and leases to core deposits | 127.8281% | 442 |
Total domestic deposits to total assets | 77.2000% | 3,825 |
Equity capital to assets | 7.8057% | 3,540 |
Core capital (leverage) ratio | 8.6078% | 4,033 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2832% | 2,142 |
Memoranda: | ||
Average total assets | $1,343,869,200 | 778 |
Average earning assets | $1,280,571,000 | 749 |
Average equity | $96,482,000 | 971 |
Average total loans | $992,256,600 | 733 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6027% | 2,672 |
Cost of funding earning assets | 2.2846% | 421 |
Net interest margin | 2.3182% | 4,294 |
Noninterest income to average assets | 0.2800% | 3,257 |
Noninterest expense to average assets | 2.2557% | 2,935 |
Loan and lease loss provision to assets | 0.1900% | 580 |
Net operating income to assets | -0.0503% | 4,458 |
Return on assets (ROA) | -0.0639% | 4,448 |
Pretax return on assets | 0.0286% | 4,373 |
Return on Equity (ROE) | -0.9100% | 4,424 |
Retained earnings to average equity (ytd only) | -0.9096% | 4,243 |
Net charge-offs to loans | 0.0062% | 2,218 |
Credit loss provision to net charge-offs | 2,217.3913% | 222 |
Earnings coverage of net charge-offs (x) | 52.4348% | 1,284 |
Efficiency ratio | 90.4822% | 358 |
Assets per employee ($millions) | 15.4837% | 178 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8430% | 3,892 |
Loan loss allowance to noncurrent loans | 167.7528% | 2,708 |
Noncurrent assets plus other real estate owned to assets | 0.3848% | 1,496 |
Noncurrent loans to loans | 0.5025% | 1,559 |
Net loans and leases to total assets | 75.9200% | 1,133 |
Net loans and leases to deposits | 93.2992% | 946 |
Net loans and leases to core deposits | 116.0299% | 659 |
Total domestic deposits to total assets | 81.3800% | 3,326 |
Equity capital to assets | 7.5736% | 3,312 |
Core capital (leverage) ratio | 8.2135% | 4,301 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0460% | 2,257 |
Memoranda: | ||
Average total assets | $1,355,366,500 | 774 |
Average earning assets | $1,292,356,250 | 745 |
Average equity | $95,275,250 | 975 |
Average total loans | $988,940,000 | 736 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5805% | 2,457 |
Cost of funding earning assets | 2.1419% | 381 |
Net interest margin | 2.4386% | 4,273 |
Noninterest income to average assets | 0.2200% | 3,636 |
Noninterest expense to average assets | 2.1971% | 3,088 |
Loan and lease loss provision to assets | 0.2900% | 317 |
Net operating income to assets | 0.0502% | 4,393 |
Return on assets (ROA) | 0.0300% | 4,433 |
Pretax return on assets | 0.0387% | 4,427 |
Return on Equity (ROE) | 0.4400% | 4,407 |
Retained earnings to average equity (ytd only) | 0.4371% | 3,998 |
Net charge-offs to loans | 0.0047% | 2,109 |
Credit loss provision to net charge-offs | 5,539.1304% | 105 |
Earnings coverage of net charge-offs (x) | 104.4783% | 912 |
Efficiency ratio | 86.2182% | 487 |
Assets per employee ($millions) | 16.0559% | 160 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9933% | 3,456 |
Loan loss allowance to noncurrent loans | 178.5905% | 2,727 |
Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,295 |
Noncurrent loans to loans | 0.5562% | 1,347 |
Net loans and leases to total assets | 73.2900% | 1,369 |
Net loans and leases to deposits | 89.7803% | 1,204 |
Net loans and leases to core deposits | 121.1978% | 486 |
Total domestic deposits to total assets | 81.6300% | 3,308 |
Equity capital to assets | 6.8526% | 3,872 |
Core capital (leverage) ratio | 7.7276% | 4,480 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.9971% | 2,627 |
Memoranda: | ||
Average total assets | $1,368,449,333 | 754 |
Average earning assets | $1,309,110,000 | 733 |
Average equity | $93,807,667 | 985 |
Average total loans | $982,674,667 | 723 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3786% | 2,617 |
Cost of funding earning assets | 2.0173% | 289 |
Net interest margin | 2.3613% | 4,415 |
Noninterest income to average assets | 0.1200% | 4,272 |
Noninterest expense to average assets | 2.0594% | 3,476 |
Loan and lease loss provision to assets | 0.5100% | 146 |
Net operating income to assets | -0.1477% | 4,540 |
Return on assets (ROA) | -0.1477% | 4,526 |
Pretax return on assets | -0.1903% | 4,523 |
Return on Equity (ROE) | -2.1500% | 4,510 |
Retained earnings to average equity (ytd only) | -2.1543% | 4,215 |
Net charge-offs to loans | 0.0008% | 2,032 |
Credit loss provision to net charge-offs | 52,800.0000% | 4 |
Earnings coverage of net charge-offs (x) | 541.0000% | 214 |
Efficiency ratio | 86.7027% | 479 |
Assets per employee ($millions) | 16.4136% | 156 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9844% | 3,576 |
Loan loss allowance to noncurrent loans | 150.4358% | 2,966 |
Noncurrent assets plus other real estate owned to assets | 0.4527% | 1,128 |
Noncurrent loans to loans | 0.6544% | 1,149 |
Net loans and leases to total assets | 68.5000% | 1,783 |
Net loans and leases to deposits | 79.9822% | 1,818 |
Net loans and leases to core deposits | 107.6026% | 775 |
Total domestic deposits to total assets | 85.6500% | 2,690 |
Equity capital to assets | 6.4408% | 4,051 |
Core capital (leverage) ratio | 7.7290% | 4,522 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4017% | 2,605 |
Memoranda: | ||
Average total assets | $1,370,296,500 | 769 |
Average earning assets | $1,309,455,500 | 747 |
Average equity | $93,951,000 | 995 |
Average total loans | $968,893,000 | 748 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5651% | 2,899 |
Cost of funding earning assets | 0.6441% | 741 |
Net interest margin | 2.9210% | 3,633 |
Noninterest income to average assets | 0.1900% | 4,004 |
Noninterest expense to average assets | 1.7992% | 4,032 |
Loan and lease loss provision to assets | 0.1700% | 670 |
Net operating income to assets | 0.7738% | 3,414 |
Return on assets (ROA) | 0.7716% | 3,363 |
Pretax return on assets | 0.9955% | 3,086 |
Return on Equity (ROE) | 9.6400% | 2,926 |
Retained earnings to average equity (ytd only) | 9.6404% | 1,263 |
Net charge-offs to loans | 0.0014% | 2,508 |
Credit loss provision to net charge-offs | 16,458.3333% | 47 |
Earnings coverage of net charge-offs (x) | 1,153.5000% | 156 |
Efficiency ratio | 60.7074% | 2,959 |
Assets per employee ($millions) | 16.0206% | 165 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8952% | 3,784 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 71.6700% | 1,454 |
Net loans and leases to deposits | 82.5403% | 1,577 |
Net loans and leases to core deposits | 107.0548% | 708 |
Total domestic deposits to total assets | 86.8400% | 2,445 |
Equity capital to assets | 7.3971% | 3,439 |
Core capital (leverage) ratio | 8.2899% | 4,264 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3101% | 2,644 |
Memoranda: | ||
Average total assets | $1,188,615,800 | 862 |
Average earning assets | $1,129,014,000 | 837 |
Average equity | $95,130,600 | 975 |
Average total loans | $844,233,800 | 790 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3626% | 3,005 |
Cost of funding earning assets | 0.2832% | 2,352 |
Net interest margin | 3.0794% | 2,991 |
Noninterest income to average assets | 0.1200% | 4,379 |
Noninterest expense to average assets | 1.7937% | 3,999 |
Loan and lease loss provision to assets | 0.1700% | 564 |
Net operating income to assets | 0.8496% | 3,069 |
Return on assets (ROA) | 0.8472% | 3,053 |
Pretax return on assets | 1.0794% | 2,783 |
Return on Equity (ROE) | 10.3700% | 2,619 |
Retained earnings to average equity (ytd only) | 10.3654% | 1,238 |
Net charge-offs to loans | 0.0015% | 2,258 |
Credit loss provision to net charge-offs | 16,055.5556% | 36 |
Earnings coverage of net charge-offs (x) | 1,208.2222% | 120 |
Efficiency ratio | 58.9629% | 3,254 |
Assets per employee ($millions) | 15.7581% | 174 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8894% | 3,888 |
Loan loss allowance to noncurrent loans | 126.0243% | 3,190 |
Noncurrent assets plus other real estate owned to assets | 0.5149% | 1,062 |
Noncurrent loans to loans | 0.7058% | 1,160 |
Net loans and leases to total assets | 72.3100% | 1,256 |
Net loans and leases to deposits | 84.5294% | 1,266 |
Net loans and leases to core deposits | 98.0217% | 897 |
Total domestic deposits to total assets | 85.5500% | 3,159 |
Equity capital to assets | 7.8243% | 3,008 |
Core capital (leverage) ratio | 8.8571% | 3,747 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6503% | 2,601 |
Memoranda: | ||
Average total assets | $1,161,353,500 | 877 |
Average earning assets | $1,101,257,250 | 859 |
Average equity | $94,916,000 | 991 |
Average total loans | $820,668,250 | 805 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1781% | 3,117 |
Cost of funding earning assets | 0.1038% | 4,154 |
Net interest margin | 3.0743% | 2,632 |
Noninterest income to average assets | 0.1047% | 4,466 |
Noninterest expense to average assets | 1.7613% | 4,033 |
Loan and lease loss provision to assets | 0.1530% | 620 |
Net operating income to assets | 0.8726% | 2,692 |
Return on assets (ROA) | 0.8689% | 2,676 |
Pretax return on assets | 1.1056% | 2,389 |
Return on Equity (ROE) | 10.4732% | 2,173 |
Retained earnings to average equity (ytd only) | 10.4732% | 909 |
Net charge-offs to loans | 0.0018% | 2,051 |
Credit loss provision to net charge-offs | 12,500.0000% | 42 |
Earnings coverage of net charge-offs (x) | 1,032.2857% | 126 |
Efficiency ratio | 58.2336% | 3,529 |
Assets per employee ($millions) | 16.4325% | 151 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8651% | 4,049 |
Loan loss allowance to noncurrent loans | 123.9145% | 3,198 |
Noncurrent assets plus other real estate owned to assets | 0.4983% | 1,147 |
Noncurrent loans to loans | 0.6981% | 1,236 |
Net loans and leases to total assets | 70.7658% | 1,227 |
Net loans and leases to deposits | 80.4036% | 1,353 |
Net loans and leases to core deposits | 80.6605% | 1,679 |
Total domestic deposits to total assets | 88.0133% | 2,569 |
Equity capital to assets | 7.8833% | 3,215 |
Core capital (leverage) ratio | 8.9004% | 3,562 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6844% | 2,620 |
Memoranda: | ||
Average total assets | $1,144,012,667 | 883 |
Average earning assets | $1,086,570,333 | 870 |
Average equity | $94,908,667 | 998 |
Average total loans | $799,128,333 | 806 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0238% | 3,179 |
Cost of funding earning assets | 0.0822% | 4,332 |
Net interest margin | 2.9415% | 2,704 |
Noninterest income to average assets | 0.1032% | 4,493 |
Noninterest expense to average assets | 1.6979% | 4,135 |
Loan and lease loss provision to assets | 0.1245% | 667 |
Net operating income to assets | 0.8488% | 2,489 |
Return on assets (ROA) | 0.8488% | 2,480 |
Pretax return on assets | 1.0800% | 2,205 |
Return on Equity (ROE) | 9.9700% | 1,977 |
Retained earnings to average equity (ytd only) | 9.9700% | 1,029 |
Net charge-offs to loans | 0.0010% | 1,806 |
Credit loss provision to net charge-offs | 17,500.0000% | 21 |
Earnings coverage of net charge-offs (x) | 1,693.0000% | 36 |
Efficiency ratio | 58.4998% | 3,633 |
Assets per employee ($millions) | 15.6542% | 181 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8565% | 4,136 |
Loan loss allowance to noncurrent loans | 106.7149% | 3,322 |
Noncurrent assets plus other real estate owned to assets | 0.5642% | 1,064 |
Noncurrent loans to loans | 0.8026% | 1,182 |
Net loans and leases to total assets | 69.6903% | 1,046 |
Net loans and leases to deposits | 78.3478% | 1,261 |
Net loans and leases to core deposits | 78.5763% | 1,570 |
Total domestic deposits to total assets | 88.9499% | 2,110 |
Equity capital to assets | 8.3327% | 3,298 |
Core capital (leverage) ratio | 8.9382% | 3,426 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7339% | 2,703 |
Memoranda: | ||
Average total assets | $1,124,447,500 | 897 |
Average earning assets | $1,070,055,000 | 879 |
Average equity | $95,727,500 | 1,016 |
Average total loans | $776,409,000 | 815 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9290% | 4,007 |
Cost of funding earning assets | 0.1363% | 4,103 |
Net interest margin | 2.7927% | 3,682 |
Noninterest income to average assets | 0.1235% | 4,519 |
Noninterest expense to average assets | 1.6499% | 4,362 |
Loan and lease loss provision to assets | 0.1170% | 1,073 |
Net operating income to assets | 0.8143% | 3,288 |
Return on assets (ROA) | 0.8252% | 3,328 |
Pretax return on assets | 1.0345% | 3,169 |
Return on Equity (ROE) | 9.4928% | 2,722 |
Retained earnings to average equity (ytd only) | 9.4928% | 1,047 |
Net charge-offs to loans | -0.0004% | 3,224 |
Credit loss provision to net charge-offs | -42,000.0000% | 4,288 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.1837% | 3,272 |
Assets per employee ($millions) | 16.2579% | 169 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8465% | 4,187 |
Loan loss allowance to noncurrent loans | 92.5931% | 3,476 |
Noncurrent assets plus other real estate owned to assets | 0.6198% | 1,055 |
Noncurrent loans to loans | 0.9142% | 1,107 |
Net loans and leases to total assets | 67.2239% | 1,344 |
Net loans and leases to deposits | 76.6552% | 1,515 |
Net loans and leases to core deposits | 76.8828% | 1,849 |
Total domestic deposits to total assets | 87.6965% | 2,198 |
Equity capital to assets | 8.6947% | 3,889 |
Core capital (leverage) ratio | 8.4778% | 3,947 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0315% | 2,622 |
Memoranda: | ||
Average total assets | $1,076,649,800 | 909 |
Average earning assets | $1,027,129,400 | 884 |
Average equity | $93,597,600 | 1,067 |
Average total loans | $721,489,800 | 856 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9465% | 4,089 |
Cost of funding earning assets | 0.1537% | 4,079 |
Net interest margin | 2.7928% | 3,800 |
Noninterest income to average assets | 0.1272% | 4,556 |
Noninterest expense to average assets | 1.6661% | 4,380 |
Loan and lease loss provision to assets | 0.1007% | 1,194 |
Net operating income to assets | 0.8128% | 3,488 |
Return on assets (ROA) | 0.8255% | 3,526 |
Pretax return on assets | 1.0420% | 3,342 |
Return on Equity (ROE) | 9.4959% | 2,931 |
Retained earnings to average equity (ytd only) | 9.4959% | 1,489 |
Net charge-offs to loans | 0.0015% | 2,362 |
Credit loss provision to net charge-offs | 10,062.5000% | 74 |
Earnings coverage of net charge-offs (x) | 1,125.3750% | 145 |
Efficiency ratio | 59.6567% | 3,033 |
Assets per employee ($millions) | 15.6580% | 186 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8279% | 4,309 |
Loan loss allowance to noncurrent loans | 83.7705% | 3,580 |
Noncurrent assets plus other real estate owned to assets | 0.6324% | 1,200 |
Noncurrent loans to loans | 0.9883% | 1,164 |
Net loans and leases to total assets | 63.4537% | 1,842 |
Net loans and leases to deposits | 72.0718% | 2,045 |
Net loans and leases to core deposits | 72.2835% | 2,405 |
Total domestic deposits to total assets | 88.0424% | 1,820 |
Equity capital to assets | 8.5246% | 4,193 |
Core capital (leverage) ratio | 8.3789% | 4,146 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5768% | 2,518 |
Memoranda: | ||
Average total assets | $1,065,364,000 | 924 |
Average earning assets | $1,016,862,750 | 901 |
Average equity | $92,612,750 | 1,087 |
Average total loans | $711,724,500 | 882 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9602% | 4,115 |
Cost of funding earning assets | 0.1800% | 3,946 |
Net interest margin | 2.7801% | 3,830 |
Noninterest income to average assets | 0.1346% | 4,530 |
Noninterest expense to average assets | 1.6882% | 4,375 |
Loan and lease loss provision to assets | 0.0814% | 1,494 |
Net operating income to assets | 0.8092% | 3,480 |
Return on assets (ROA) | 0.8288% | 3,500 |
Pretax return on assets | 1.0413% | 3,351 |
Return on Equity (ROE) | 9.4676% | 2,959 |
Retained earnings to average equity (ytd only) | 9.4676% | 1,564 |
Net charge-offs to loans | 0.0017% | 2,154 |
Credit loss provision to net charge-offs | 7,083.3333% | 91 |
Earnings coverage of net charge-offs (x) | 956.0000% | 135 |
Efficiency ratio | 60.5882% | 2,930 |
Assets per employee ($millions) | 16.5892% | 157 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7867% | 4,382 |
Loan loss allowance to noncurrent loans | 80.0172% | 3,588 |
Noncurrent assets plus other real estate owned to assets | 0.6108% | 1,369 |
Noncurrent loans to loans | 0.9831% | 1,255 |
Net loans and leases to total assets | 61.6343% | 2,218 |
Net loans and leases to deposits | 69.7491% | 2,438 |
Net loans and leases to core deposits | 70.0143% | 2,782 |
Total domestic deposits to total assets | 88.3657% | 1,638 |
Equity capital to assets | 8.2363% | 4,407 |
Core capital (leverage) ratio | 8.7735% | 3,719 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6442% | 2,496 |
Memoranda: | ||
Average total assets | $1,044,693,333 | 935 |
Average earning assets | $996,427,000 | 911 |
Average equity | $91,449,000 | 1,094 |
Average total loans | $708,521,333 | 889 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0977% | 3,887 |
Cost of funding earning assets | 0.2045% | 3,868 |
Net interest margin | 2.8933% | 3,545 |
Noninterest income to average assets | 0.1512% | 4,443 |
Noninterest expense to average assets | 1.7637% | 4,269 |
Loan and lease loss provision to assets | 0.0704% | 1,751 |
Net operating income to assets | 0.8497% | 3,269 |
Return on assets (ROA) | 0.8770% | 3,271 |
Pretax return on assets | 1.0998% | 3,111 |
Return on Equity (ROE) | 9.6896% | 2,792 |
Retained earnings to average equity (ytd only) | 9.6896% | 1,744 |
Net charge-offs to loans | 0.0006% | 1,922 |
Credit loss provision to net charge-offs | 17,500.0000% | 35 |
Earnings coverage of net charge-offs (x) | 2,825.0000% | 18 |
Efficiency ratio | 60.8237% | 2,935 |
Assets per employee ($millions) | 17.4444% | 136 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7577% | 4,476 |
Loan loss allowance to noncurrent loans | 64.0829% | 3,791 |
Noncurrent assets plus other real estate owned to assets | 0.7975% | 1,126 |
Noncurrent loans to loans | 1.1824% | 1,124 |
Net loans and leases to total assets | 66.9366% | 1,672 |
Net loans and leases to deposits | 76.5266% | 1,847 |
Net loans and leases to core deposits | 77.7723% | 2,207 |
Total domestic deposits to total assets | 87.4684% | 2,108 |
Equity capital to assets | 8.6935% | 3,969 |
Core capital (leverage) ratio | 9.1184% | 3,481 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3621% | 2,135 |
Memoranda: | ||
Average total assets | $994,712,500 | 958 |
Average earning assets | $944,948,000 | 941 |
Average equity | $90,035,000 | 1,097 |
Average total loans | $707,235,000 | 892 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4097% | 4,180 |
Cost of funding earning assets | 0.5277% | 2,766 |
Net interest margin | 2.8819% | 4,140 |
Noninterest income to average assets | 0.1688% | 4,446 |
Noninterest expense to average assets | 1.8160% | 4,444 |
Loan and lease loss provision to assets | 0.1974% | 1,977 |
Net operating income to assets | 0.7153% | 3,382 |
Return on assets (ROA) | 0.7243% | 3,483 |
Pretax return on assets | 0.8982% | 3,369 |
Return on Equity (ROE) | 8.4333% | 2,633 |
Retained earnings to average equity (ytd only) | 8.4333% | 929 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5939% | 3,036 |
Assets per employee ($millions) | 14.9644% | 180 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7304% | 4,540 |
Loan loss allowance to noncurrent loans | 66.4655% | 3,792 |
Noncurrent assets plus other real estate owned to assets | 0.8259% | 1,235 |
Noncurrent loans to loans | 1.0989% | 1,294 |
Net loans and leases to total assets | 74.6048% | 951 |
Net loans and leases to deposits | 86.6508% | 1,202 |
Net loans and leases to core deposits | 89.4454% | 1,572 |
Total domestic deposits to total assets | 86.0981% | 2,324 |
Equity capital to assets | 9.4487% | 3,662 |
Core capital (leverage) ratio | 8.7781% | 3,922 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6854% | 2,373 |
Memoranda: | ||
Average total assets | $950,320,800 | 924 |
Average earning assets | $900,817,200 | 900 |
Average equity | $81,617,400 | 1,134 |
Average total loans | $691,666,600 | 875 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4382% | 4,299 |
Cost of funding earning assets | 0.6022% | 2,601 |
Net interest margin | 2.8360% | 4,281 |
Noninterest income to average assets | 0.1624% | 4,486 |
Noninterest expense to average assets | 1.8242% | 4,450 |
Loan and lease loss provision to assets | 0.2437% | 1,668 |
Net operating income to assets | 0.6410% | 3,662 |
Return on assets (ROA) | 0.6531% | 3,718 |
Pretax return on assets | 0.7987% | 3,651 |
Return on Equity (ROE) | 7.7973% | 2,883 |
Retained earnings to average equity (ytd only) | 7.7973% | 1,372 |
Net charge-offs to loans | -0.0010% | 3,813 |
Credit loss provision to net charge-offs | -34,820.0000% | 4,442 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9484% | 2,745 |
Assets per employee ($millions) | 16.8208% | 123 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7065% | 4,571 |
Loan loss allowance to noncurrent loans | 73.6281% | 3,673 |
Noncurrent assets plus other real estate owned to assets | 0.6570% | 1,764 |
Noncurrent loans to loans | 0.9596% | 1,569 |
Net loans and leases to total assets | 67.9869% | 2,246 |
Net loans and leases to deposits | 81.3586% | 2,164 |
Net loans and leases to core deposits | 85.0434% | 2,379 |
Total domestic deposits to total assets | 83.5645% | 2,967 |
Equity capital to assets | 8.2417% | 4,612 |
Core capital (leverage) ratio | 9.1725% | 3,577 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0080% | 2,196 |
Memoranda: | ||
Average total assets | $952,211,250 | 911 |
Average earning assets | $903,040,750 | 887 |
Average equity | $79,752,250 | 1,154 |
Average total loans | $687,453,750 | 873 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5582% | 4,337 |
Cost of funding earning assets | 0.7472% | 2,142 |
Net interest margin | 2.8110% | 4,432 |
Noninterest income to average assets | 0.1646% | 4,469 |
Noninterest expense to average assets | 1.9389% | 4,349 |
Loan and lease loss provision to assets | 0.3614% | 1,166 |
Net operating income to assets | 0.4524% | 4,127 |
Return on assets (ROA) | 0.4508% | 4,189 |
Pretax return on assets | 0.5252% | 4,209 |
Return on Equity (ROE) | 5.3498% | 3,733 |
Retained earnings to average equity (ytd only) | 5.3498% | 2,330 |
Net charge-offs to loans | 0.0015% | 2,970 |
Credit loss provision to net charge-offs | 33,320.0000% | 34 |
Earnings coverage of net charge-offs (x) | 819.2000% | 115 |
Efficiency ratio | 68.5592% | 2,160 |
Assets per employee ($millions) | 16.8113% | 121 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6813% | 4,603 |
Loan loss allowance to noncurrent loans | 72.7806% | 3,667 |
Noncurrent assets plus other real estate owned to assets | 0.6871% | 1,785 |
Noncurrent loans to loans | 0.9361% | 1,652 |
Net loans and leases to total assets | 72.8973% | 1,570 |
Net loans and leases to deposits | 88.8750% | 1,465 |
Net loans and leases to core deposits | 96.8659% | 1,514 |
Total domestic deposits to total assets | 82.0223% | 3,365 |
Equity capital to assets | 8.2912% | 4,593 |
Core capital (leverage) ratio | 9.1309% | 3,764 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4484% | 2,422 |
Memoranda: | ||
Average total assets | $921,984,333 | 924 |
Average earning assets | $873,358,333 | 893 |
Average equity | $77,685,667 | 1,167 |
Average total loans | $678,580,000 | 873 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6929% | 4,408 |
Cost of funding earning assets | 0.9747% | 1,542 |
Net interest margin | 2.7182% | 4,654 |
Noninterest income to average assets | 0.2516% | 4,042 |
Noninterest expense to average assets | 2.0373% | 4,330 |
Loan and lease loss provision to assets | 0.4920% | 599 |
Net operating income to assets | 0.2548% | 4,442 |
Return on assets (ROA) | 0.2602% | 4,454 |
Pretax return on assets | 0.3017% | 4,454 |
Return on Equity (ROE) | 3.0606% | 4,198 |
Retained earnings to average equity (ytd only) | 3.0606% | 3,053 |
Net charge-offs to loans | 0.0012% | 2,554 |
Credit loss provision to net charge-offs | 54,550.0000% | 8 |
Earnings coverage of net charge-offs (x) | 873.0000% | 62 |
Efficiency ratio | 72.1105% | 2,062 |
Assets per employee ($millions) | 14.2643% | 148 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6491% | 4,689 |
Loan loss allowance to noncurrent loans | 47.2432% | 4,129 |
Noncurrent assets plus other real estate owned to assets | 1.0333% | 1,276 |
Noncurrent loans to loans | 1.3739% | 1,171 |
Net loans and leases to total assets | 74.7230% | 1,503 |
Net loans and leases to deposits | 89.5089% | 1,572 |
Net loans and leases to core deposits | 99.6076% | 1,506 |
Total domestic deposits to total assets | 83.4811% | 2,953 |
Equity capital to assets | 8.7171% | 4,726 |
Core capital (leverage) ratio | 9.2815% | 4,197 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0315% | 2,679 |
Memoranda: | ||
Average total assets | $887,042,500 | 921 |
Average earning assets | $839,667,000 | 904 |
Average equity | $75,409,500 | 1,195 |
Average total loans | $653,867,500 | 881 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0010% | 4,253 |
Cost of funding earning assets | 1.2719% | 836 |
Net interest margin | 2.7291% | 4,818 |
Noninterest income to average assets | 0.2709% | 4,055 |
Noninterest expense to average assets | 2.2480% | 4,066 |
Loan and lease loss provision to assets | 0.1474% | 1,452 |
Net operating income to assets | 0.4296% | 4,544 |
Return on assets (ROA) | 0.4386% | 4,556 |
Pretax return on assets | 0.4780% | 4,611 |
Return on Equity (ROE) | 5.0064% | 4,202 |
Retained earnings to average equity (ytd only) | 5.0064% | 2,409 |
Net charge-offs to loans | 0.0016% | 3,660 |
Credit loss provision to net charge-offs | 13,000.0000% | 32 |
Earnings coverage of net charge-offs (x) | 542.8889% | 176 |
Efficiency ratio | 78.4677% | 1,098 |
Assets per employee ($millions) | 13.6787% | 159 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5221% | 4,865 |
Loan loss allowance to noncurrent loans | 33.7735% | 4,370 |
Noncurrent assets plus other real estate owned to assets | 1.1158% | 1,087 |
Noncurrent loans to loans | 1.5459% | 925 |
Net loans and leases to total assets | 71.7987% | 2,121 |
Net loans and leases to deposits | 82.3674% | 2,515 |
Net loans and leases to core deposits | 92.9758% | 2,164 |
Total domestic deposits to total assets | 87.1688% | 1,534 |
Equity capital to assets | 8.2796% | 4,984 |
Core capital (leverage) ratio | 8.7675% | 4,688 |
Tier 1 risk-based capital ratio | 11.8030% | 4,472 |
Total risk-based capital ratio | 12.3466% | 4,710 |
Memoranda: | ||
Average total assets | $793,517,800 | 980 |
Average earning assets | $753,883,800 | 956 |
Average equity | $69,510,800 | 1,227 |
Average total loans | $577,975,600 | 941 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0693% | 4,223 |
Cost of funding earning assets | 1.3226% | 737 |
Net interest margin | 2.7467% | 4,899 |
Noninterest income to average assets | 0.2796% | 4,073 |
Noninterest expense to average assets | 2.3013% | 3,946 |
Loan and lease loss provision to assets | 0.1633% | 1,141 |
Net operating income to assets | 0.3800% | 4,755 |
Return on assets (ROA) | 0.3986% | 4,751 |
Pretax return on assets | 0.4481% | 4,755 |
Return on Equity (ROE) | 4.4807% | 4,481 |
Retained earnings to average equity (ytd only) | 4.4807% | 3,155 |
Net charge-offs to loans | 0.0052% | 3,206 |
Credit loss provision to net charge-offs | 4,304.5455% | 96 |
Earnings coverage of net charge-offs (x) | 155.6502% | 527 |
Efficiency ratio | 79.5491% | 962 |
Assets per employee ($millions) | 12.3802% | 195 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5220% | 4,941 |
Loan loss allowance to noncurrent loans | 35.5997% | 4,417 |
Noncurrent assets plus other real estate owned to assets | 1.0692% | 1,232 |
Noncurrent loans to loans | 1.4664% | 1,039 |
Net loans and leases to total assets | 72.5342% | 2,077 |
Net loans and leases to deposits | 81.2839% | 2,767 |
Net loans and leases to core deposits | 94.1349% | 2,167 |
Total domestic deposits to total assets | 89.2356% | 541 |
Equity capital to assets | 8.8724% | 4,840 |
Core capital (leverage) ratio | 9.0397% | 4,606 |
Tier 1 risk-based capital ratio | 12.2453% | 4,286 |
Total risk-based capital ratio | 12.7765% | 4,555 |
Memoranda: | ||
Average total assets | $773,038,000 | 1,002 |
Average earning assets | $735,213,000 | 974 |
Average equity | $68,767,750 | 1,235 |
Average total loans | $564,506,750 | 956 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0799% | 4,213 |
Cost of funding earning assets | 1.3587% | 616 |
Net interest margin | 2.7212% | 4,988 |
Noninterest income to average assets | 0.1999% | 4,554 |
Noninterest expense to average assets | 2.3264% | 3,939 |
Loan and lease loss provision to assets | 0.1233% | 1,515 |
Net operating income to assets | 0.3122% | 4,860 |
Return on assets (ROA) | 0.3373% | 4,835 |
Pretax return on assets | 0.3664% | 4,867 |
Return on Equity (ROE) | 3.7884% | 4,631 |
Retained earnings to average equity (ytd only) | 3.7884% | 3,357 |
Net charge-offs to loans | 0.0050% | 2,977 |
Credit loss provision to net charge-offs | 3,357.1429% | 111 |
Earnings coverage of net charge-offs (x) | 125.9286% | 580 |
Efficiency ratio | 83.3898% | 701 |
Assets per employee ($millions) | 11.5735% | 235 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4451% | 5,071 |
Loan loss allowance to noncurrent loans | 23.7546% | 4,637 |
Noncurrent assets plus other real estate owned to assets | 1.3876% | 870 |
Noncurrent loans to loans | 1.8737% | 800 |
Net loans and leases to total assets | 73.7230% | 1,933 |
Net loans and leases to deposits | 84.1834% | 2,473 |
Net loans and leases to core deposits | 99.5846% | 1,760 |
Total domestic deposits to total assets | 87.5743% | 1,302 |
Equity capital to assets | 8.9152% | 4,843 |
Core capital (leverage) ratio | 9.1629% | 4,497 |
Tier 1 risk-based capital ratio | 12.3907% | 4,189 |
Total risk-based capital ratio | 12.8540% | 4,526 |
Memoranda: | ||
Average total assets | $762,480,670 | 1,016 |
Average earning assets | $725,410,670 | 992 |
Average equity | $67,891,330 | 1,240 |
Average total loans | $557,091,330 | 967 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1116% | 4,092 |
Cost of funding earning assets | 1.3739% | 505 |
Net interest margin | 2.7377% | 5,039 |
Noninterest income to average assets | 0.1717% | 4,710 |
Noninterest expense to average assets | 2.3188% | 3,970 |
Loan and lease loss provision to assets | 0.1306% | 1,334 |
Net operating income to assets | 0.2951% | 4,905 |
Return on assets (ROA) | 0.3135% | 4,885 |
Pretax return on assets | 0.3455% | 4,909 |
Return on Equity (ROE) | 3.5233% | 4,674 |
Retained earnings to average equity (ytd only) | 3.5233% | 3,503 |
Net charge-offs to loans | 0.0044% | 2,553 |
Credit loss provision to net charge-offs | 4,083.3333% | 100 |
Earnings coverage of net charge-offs (x) | 142.5000% | 524 |
Efficiency ratio | 83.5319% | 747 |
Assets per employee ($millions) | 11.8025% | 216 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4200% | 5,155 |
Loan loss allowance to noncurrent loans | 16.9002% | 4,754 |
Noncurrent assets plus other real estate owned to assets | 1.8326% | 569 |
Noncurrent loans to loans | 2.4852% | 531 |
Net loans and leases to total assets | 73.4294% | 1,909 |
Net loans and leases to deposits | 84.4651% | 2,331 |
Net loans and leases to core deposits | 100.7757% | 1,549 |
Total domestic deposits to total assets | 86.9347% | 1,849 |
Equity capital to assets | 8.8529% | 4,779 |
Core capital (leverage) ratio | 9.0818% | 4,594 |
Tier 1 risk-based capital ratio | 12.8839% | 3,938 |
Total risk-based capital ratio | 13.3332% | 4,305 |
Memoranda: | ||
Average total assets | $750,223,000 | 1,029 |
Average earning assets | $713,294,000 | 1,004 |
Average equity | $66,756,000 | 1,248 |
Average total loans | $544,241,500 | 996 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8396% | 4,406 |
Cost of funding earning assets | 1.0543% | 595 |
Net interest margin | 2.7853% | 5,032 |
Noninterest income to average assets | 0.2091% | 4,663 |
Noninterest expense to average assets | 2.4941% | 3,633 |
Loan and lease loss provision to assets | 0.1380% | 1,562 |
Net operating income to assets | 0.2061% | 5,105 |
Return on assets (ROA) | 0.2046% | 5,102 |
Pretax return on assets | 0.2046% | 5,112 |
Return on Equity (ROE) | 2.4570% | 4,982 |
Retained earnings to average equity (ytd only) | 2.4570% | 4,160 |
Net charge-offs to loans | 0.0061% | 3,482 |
Credit loss provision to net charge-offs | 3,384.6154% | 150 |
Earnings coverage of net charge-offs (x) | 84.3846% | 835 |
Efficiency ratio | 87.8130% | 440 |
Assets per employee ($millions) | 10.9446% | 265 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4090% | 5,204 |
Loan loss allowance to noncurrent loans | 11.6335% | 4,800 |
Noncurrent assets plus other real estate owned to assets | 2.5063% | 303 |
Noncurrent loans to loans | 3.5154% | 252 |
Net loans and leases to total assets | 71.0020% | 2,419 |
Net loans and leases to deposits | 88.5715% | 1,981 |
Net loans and leases to core deposits | 116.1249% | 680 |
Total domestic deposits to total assets | 80.1635% | 4,068 |
Equity capital to assets | 8.9455% | 4,618 |
Core capital (leverage) ratio | 9.4285% | 4,198 |
Tier 1 risk-based capital ratio | 13.9420% | 3,318 |
Total risk-based capital ratio | 14.3847% | 3,655 |
Memoranda: | ||
Average total assets | $637,466,600 | 1,145 |
Average earning assets | $601,736,400 | 1,111 |
Average equity | $53,073,200 | 1,440 |
Average total loans | $425,196,800 | 1,193 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7647% | 4,514 |
Cost of funding earning assets | 0.9627% | 709 |
Net interest margin | 2.8019% | 5,082 |
Noninterest income to average assets | 0.2278% | 4,606 |
Noninterest expense to average assets | 2.5531% | 3,431 |
Loan and lease loss provision to assets | 0.1619% | 1,187 |
Net operating income to assets | 0.1473% | 5,233 |
Return on assets (ROA) | 0.1445% | 5,226 |
Pretax return on assets | 0.1493% | 5,231 |
Return on Equity (ROE) | 1.7753% | 5,156 |
Retained earnings to average equity (ytd only) | 1.7753% | 4,647 |
Net charge-offs to loans | 0.0043% | 3,300 |
Credit loss provision to net charge-offs | 5,730.7692% | 69 |
Earnings coverage of net charge-offs (x) | 111.1725% | 697 |
Efficiency ratio | 88.9866% | 364 |
Assets per employee ($millions) | 10.2849% | 300 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4140% | 5,271 |
Loan loss allowance to noncurrent loans | 9.2707% | 4,928 |
Noncurrent assets plus other real estate owned to assets | 3.1094% | 223 |
Noncurrent loans to loans | 4.4657% | 166 |
Net loans and leases to total assets | 69.3395% | 2,748 |
Net loans and leases to deposits | 84.2479% | 2,572 |
Net loans and leases to core deposits | 113.6252% | 836 |
Total domestic deposits to total assets | 82.3041% | 3,518 |
Equity capital to assets | 8.0095% | 5,177 |
Core capital (leverage) ratio | 8.7962% | 4,890 |
Tier 1 risk-based capital ratio | 11.6411% | 4,714 |
Total risk-based capital ratio | 12.0407% | 5,035 |
Memoranda: | ||
Average total assets | $613,512,000 | 1,185 |
Average earning assets | $577,921,500 | 1,166 |
Average equity | $49,942,500 | 1,528 |
Average total loans | $400,799,750 | 1,256 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6769% | 4,636 |
Cost of funding earning assets | 0.8971% | 743 |
Net interest margin | 2.7798% | 5,143 |
Noninterest income to average assets | 0.2602% | 4,446 |
Noninterest expense to average assets | 2.6254% | 3,241 |
Loan and lease loss provision to assets | 0.2113% | 793 |
Net operating income to assets | 0.0417% | 5,322 |
Return on assets (ROA) | 0.0352% | 5,319 |
Pretax return on assets | 0.0352% | 5,321 |
Return on Equity (ROE) | 0.4299% | 5,310 |
Retained earnings to average equity (ytd only) | 0.4299% | 4,882 |
Net charge-offs to loans | 0.0011% | 3,180 |
Credit loss provision to net charge-offs | 30,900.0000% | 13 |
Earnings coverage of net charge-offs (x) | 370.0000% | 248 |
Efficiency ratio | 91.1380% | 331 |
Assets per employee ($millions) | 9.4582% | 379 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4521% | 5,317 |
Loan loss allowance to noncurrent loans | 8.3583% | 4,953 |
Noncurrent assets plus other real estate owned to assets | 3.5872% | 174 |
Noncurrent loans to loans | 5.4095% | 114 |
Net loans and leases to total assets | 66.0133% | 3,151 |
Net loans and leases to deposits | 88.6233% | 2,029 |
Net loans and leases to core deposits | 105.0284% | 1,311 |
Total domestic deposits to total assets | 74.4875% | 5,002 |
Equity capital to assets | 8.8334% | 4,694 |
Core capital (leverage) ratio | 9.6842% | 3,905 |
Tier 1 risk-based capital ratio | 13.3817% | 3,683 |
Total risk-based capital ratio | 13.8202% | 4,042 |
Memoranda: | ||
Average total assets | $584,891,670 | 1,236 |
Average earning assets | $550,905,330 | 1,219 |
Average equity | $47,918,000 | 1,573 |
Average total loans | $372,080,330 | 1,331 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6053% | 4,695 |
Cost of funding earning assets | 0.8782% | 668 |
Net interest margin | 2.7271% | 5,234 |
Noninterest income to average assets | 0.3468% | 3,821 |
Noninterest expense to average assets | 2.5092% | 3,613 |
Loan and lease loss provision to assets | 0.2569% | 570 |
Net operating income to assets | 0.1427% | 5,293 |
Return on assets (ROA) | 0.1470% | 5,286 |
Pretax return on assets | 0.1470% | 5,304 |
Return on Equity (ROE) | 1.8775% | 5,200 |
Retained earnings to average equity (ytd only) | 1.8775% | 4,390 |
Net charge-offs to loans | 0.0046% | 2,573 |
Credit loss provision to net charge-offs | 9,000.0000% | 31 |
Earnings coverage of net charge-offs (x) | 140.0000% | 462 |
Efficiency ratio | 86.1874% | 632 |
Assets per employee ($millions) | 8.7193% | 486 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4356% | 5,402 |
Loan loss allowance to noncurrent loans | 6.0804% | 5,016 |
Noncurrent assets plus other real estate owned to assets | 4.6858% | 105 |
Noncurrent loans to loans | 7.1645% | 67 |
Net loans and leases to total assets | 64.1618% | 3,282 |
Net loans and leases to deposits | 85.0907% | 2,284 |
Net loans and leases to core deposits | 114.6793% | 771 |
Total domestic deposits to total assets | 75.4040% | 5,028 |
Equity capital to assets | 7.3805% | 5,454 |
Core capital (leverage) ratio | 8.1105% | 5,358 |
Tier 1 risk-based capital ratio | 11.8178% | 4,670 |
Total risk-based capital ratio | 12.2480% | 5,035 |
Memoranda: | ||
Average total assets | $560,488,500 | 1,279 |
Average earning assets | $526,559,000 | 1,275 |
Average equity | $43,888,500 | 1,713 |
Average total loans | $348,008,000 | 1,406 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5186% | 4,759 |
Cost of funding earning assets | 0.5631% | 1,868 |
Net interest margin | 2.9555% | 4,966 |
Noninterest income to average assets | 0.2024% | 4,931 |
Noninterest expense to average assets | 2.8824% | 2,514 |
Loan and lease loss provision to assets | 0.1821% | 1,177 |
Net operating income to assets | -0.1389% | 5,430 |
Return on assets (ROA) | -0.0848% | 5,414 |
Pretax return on assets | -0.0387% | 5,453 |
Return on Equity (ROE) | -0.9886% | 5,428 |
Retained earnings to average equity (ytd only) | -0.9886% | 5,183 |
Net charge-offs to loans | 0.1787% | 1,397 |
Credit loss provision to net charge-offs | 165.2977% | 1,623 |
Earnings coverage of net charge-offs (x) | 0.8111% | 3,960 |
Efficiency ratio | 96.8645% | 235 |
Assets per employee ($millions) | 8.9464% | 458 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4015% | 5,484 |
Loan loss allowance to noncurrent loans | 4.9771% | 5,060 |
Noncurrent assets plus other real estate owned to assets | 4.8772% | 100 |
Noncurrent loans to loans | 8.0670% | 46 |
Net loans and leases to total assets | 59.2910% | 3,900 |
Net loans and leases to deposits | 84.4224% | 2,446 |
Net loans and leases to core deposits | 112.8631% | 846 |
Total domestic deposits to total assets | 70.2313% | 5,400 |
Equity capital to assets | 8.3201% | 5,248 |
Core capital (leverage) ratio | 8.8946% | 4,763 |
Tier 1 risk-based capital ratio | 14.3483% | 3,173 |
Total risk-based capital ratio | 14.7587% | 3,533 |
Memoranda: | ||
Average total assets | $442,161,400 | 1,572 |
Average earning assets | $414,307,800 | 1,551 |
Average equity | $37,933,400 | 1,932 |
Average total loans | $272,577,000 | 1,699 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4930% | 4,828 |
Cost of funding earning assets | 0.4987% | 2,277 |
Net interest margin | 2.9943% | 4,934 |
Noninterest income to average assets | 0.1921% | 5,054 |
Noninterest expense to average assets | 2.9549% | 2,235 |
Loan and lease loss provision to assets | 0.2246% | 823 |
Net operating income to assets | -0.1810% | 5,571 |
Return on assets (ROA) | -0.1077% | 5,557 |
Pretax return on assets | -0.1077% | 5,547 |
Return on Equity (ROE) | -1.2431% | 5,566 |
Retained earnings to average equity (ytd only) | -1.2431% | 5,371 |
Net charge-offs to loans | 0.2367% | 901 |
Credit loss provision to net charge-offs | 152.2678% | 1,670 |
Earnings coverage of net charge-offs (x) | 0.2959% | 3,675 |
Efficiency ratio | 98.4063% | 197 |
Assets per employee ($millions) | 7.3052% | 824 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4505% | 5,518 |
Loan loss allowance to noncurrent loans | 3.4784% | 5,159 |
Noncurrent assets plus other real estate owned to assets | 7.6271% | 42 |
Noncurrent loans to loans | 12.9516% | 11 |
Net loans and leases to total assets | 57.9527% | 4,063 |
Net loans and leases to deposits | 78.0692% | 3,153 |
Net loans and leases to core deposits | 88.7547% | 2,707 |
Total domestic deposits to total assets | 74.2325% | 5,217 |
Equity capital to assets | 9.8638% | 4,069 |
Core capital (leverage) ratio | 9.9793% | 3,592 |
Tier 1 risk-based capital ratio | 17.0354% | 2,146 |
Total risk-based capital ratio | 17.4976% | 2,352 |
Memoranda: | ||
Average total assets | $418,505,500 | 1,653 |
Average earning assets | $392,240,750 | 1,633 |
Average equity | $36,251,500 | 2,021 |
Average total loans | $260,834,250 | 1,768 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4674% | 4,840 |
Cost of funding earning assets | 0.4400% | 2,692 |
Net interest margin | 3.0274% | 4,850 |
Noninterest income to average assets | 0.2338% | 4,835 |
Noninterest expense to average assets | 2.8552% | 2,563 |
Loan and lease loss provision to assets | 0.3485% | 412 |
Net operating income to assets | -0.1300% | 5,593 |
Return on assets (ROA) | -0.0336% | 5,568 |
Pretax return on assets | -0.0336% | 5,562 |
Return on Equity (ROE) | -0.4096% | 5,573 |
Retained earnings to average equity (ytd only) | -0.4096% | 5,149 |
Net charge-offs to loans | 0.3459% | 582 |
Credit loss provision to net charge-offs | 157.7181% | 1,480 |
Earnings coverage of net charge-offs (x) | 0.9888% | 3,333 |
Efficiency ratio | 92.7469% | 337 |
Assets per employee ($millions) | 7.8532% | 660 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4650% | 5,551 |
Loan loss allowance to noncurrent loans | 2.8099% | 5,192 |
Noncurrent assets plus other real estate owned to assets | 10.1870% | 28 |
Noncurrent loans to loans | 16.5480% | 7 |
Net loans and leases to total assets | 60.6124% | 3,778 |
Net loans and leases to deposits | 77.7434% | 3,144 |
Net loans and leases to core deposits | 79.4496% | 3,461 |
Total domestic deposits to total assets | 77.9647% | 4,820 |
Equity capital to assets | 9.2030% | 4,715 |
Core capital (leverage) ratio | 9.6740% | 3,931 |
Tier 1 risk-based capital ratio | 16.6089% | 2,276 |
Total risk-based capital ratio | 17.1330% | 2,491 |
Memoranda: | ||
Average total assets | $404,598,330 | 1,700 |
Average earning assets | $379,534,000 | 1,685 |
Average equity | $33,203,330 | 2,178 |
Average total loans | $258,472,000 | 1,774 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4515% | 4,825 |
Cost of funding earning assets | 0.4287% | 2,728 |
Net interest margin | 3.0228% | 4,846 |
Noninterest income to average assets | 0.2783% | 4,559 |
Noninterest expense to average assets | 3.0020% | 2,158 |
Loan and lease loss provision to assets | 0.1074% | 1,780 |
Net operating income to assets | -0.0031% | 5,606 |
Return on assets (ROA) | 0.0317% | 5,593 |
Pretax return on assets | 0.0317% | 5,587 |
Return on Equity (ROE) | 0.4143% | 5,579 |
Retained earnings to average equity (ytd only) | 0.4143% | 4,828 |
Net charge-offs to loans | 0.3372% | 545 |
Credit loss provision to net charge-offs | 48.6111% | 1,996 |
Earnings coverage of net charge-offs (x) | 0.4722% | 2,816 |
Efficiency ratio | 96.5086% | 304 |
Assets per employee ($millions) | 7.7225% | 694 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3340% | 5,726 |
Loan loss allowance to noncurrent loans | 1.5490% | 5,270 |
Noncurrent assets plus other real estate owned to assets | 14.1191% | 18 |
Noncurrent loans to loans | 21.5613% | 4 |
Net loans and leases to total assets | 64.7071% | 3,167 |
Net loans and leases to deposits | 81.5519% | 2,565 |
Net loans and leases to core deposits | 82.9184% | 3,000 |
Total domestic deposits to total assets | 79.3447% | 4,761 |
Equity capital to assets | 7.6031% | 5,658 |
Core capital (leverage) ratio | 7.5166% | 5,702 |
Tier 1 risk-based capital ratio | 14.3492% | 3,282 |
Total risk-based capital ratio | 14.7689% | 3,680 |
Memoranda: | ||
Average total assets | $390,935,000 | 1,769 |
Average earning assets | $365,757,500 | 1,750 |
Average equity | $29,930,000 | 2,381 |
Average total loans | $256,196,500 | 1,794 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3082% | 5,145 |
Cost of funding earning assets | 0.3553% | 3,461 |
Net interest margin | 2.9529% | 5,047 |
Noninterest income to average assets | 0.6367% | 2,474 |
Noninterest expense to average assets | 3.1887% | 1,815 |
Loan and lease loss provision to assets | 0.0527% | 3,333 |
Net operating income to assets | 0.1572% | 5,485 |
Return on assets (ROA) | 0.4485% | 4,883 |
Pretax return on assets | 0.4485% | 5,123 |
Return on Equity (ROE) | 5.6816% | 4,126 |
Retained earnings to average equity (ytd only) | 4.8505% | 2,445 |
Net charge-offs to loans | 0.1230% | 2,032 |
Credit loss provision to net charge-offs | 62.7389% | 3,209 |
Earnings coverage of net charge-offs (x) | 2.4968% | 3,820 |
Efficiency ratio | 93.6028% | 395 |
Assets per employee ($millions) | 9.2390% | 397 |
Cash dividends to net income (ytd only)* | 14.6269% | 3,899 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3763% | 5,751 |
Loan loss allowance to noncurrent loans | 1.7268% | 5,313 |
Noncurrent assets plus other real estate owned to assets | 14.5387% | 17 |
Noncurrent loans to loans | 21.7932% | 4 |
Net loans and leases to total assets | 65.9016% | 3,085 |
Net loans and leases to deposits | 82.7808% | 2,576 |
Net loans and leases to core deposits | 84.3542% | 2,991 |
Total domestic deposits to total assets | 79.6098% | 4,654 |
Equity capital to assets | 7.7142% | 5,660 |
Core capital (leverage) ratio | 7.2109% | 5,787 |
Tier 1 risk-based capital ratio | 14.7564% | 3,069 |
Total risk-based capital ratio | 15.2448% | 3,375 |
Memoranda: | ||
Average total assets | $373,479,800 | 1,793 |
Average earning assets | $349,312,400 | 1,781 |
Average equity | $29,481,200 | 2,398 |
Average total loans | $255,292,800 | 1,766 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2228% | 5,330 |
Cost of funding earning assets | 0.3336% | 3,737 |
Net interest margin | 2.8892% | 5,206 |
Noninterest income to average assets | 0.5847% | 2,732 |
Noninterest expense to average assets | 3.1397% | 1,931 |
Loan and lease loss provision to assets | 0.0368% | 3,515 |
Net operating income to assets | 0.1092% | 5,614 |
Return on assets (ROA) | 0.5062% | 4,776 |
Pretax return on assets | 0.5062% | 5,111 |
Return on Equity (ROE) | 6.3741% | 3,893 |
Retained earnings to average equity (ytd only) | 5.2618% | 2,654 |
Net charge-offs to loans | 0.0533% | 2,600 |
Credit loss provision to net charge-offs | 100.0000% | 2,352 |
Earnings coverage of net charge-offs (x) | 3.9705% | 3,331 |
Efficiency ratio | 95.3259% | 336 |
Assets per employee ($millions) | 8.5667% | 473 |
Cash dividends to net income (ytd only)* | 17.4503% | 3,330 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3652% | 5,820 |
Loan loss allowance to noncurrent loans | 2.2043% | 5,415 |
Noncurrent assets plus other real estate owned to assets | 12.3092% | 27 |
Noncurrent loans to loans | 16.5684% | 14 |
Net loans and leases to total assets | 73.3122% | 1,981 |
Net loans and leases to deposits | 89.3164% | 1,839 |
Net loans and leases to core deposits | 91.6677% | 2,425 |
Total domestic deposits to total assets | 82.0815% | 3,914 |
Equity capital to assets | 7.4730% | 5,845 |
Core capital (leverage) ratio | 7.2872% | 5,853 |
Tier 1 risk-based capital ratio | 14.2280% | 3,444 |
Total risk-based capital ratio | 14.7635% | 3,760 |
Memoranda: | ||
Average total assets | $369,840,000 | 1,813 |
Average earning assets | $345,734,500 | 1,799 |
Average equity | $29,368,000 | 2,417 |
Average total loans | $254,943,500 | 1,769 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1919% | 5,441 |
Cost of funding earning assets | 0.3190% | 3,908 |
Net interest margin | 2.8730% | 5,310 |
Noninterest income to average assets | 0.6018% | 2,609 |
Noninterest expense to average assets | 3.2142% | 1,778 |
Loan and lease loss provision to assets | 0.0568% | 3,001 |
Net operating income to assets | 0.0111% | 5,757 |
Return on assets (ROA) | 0.4324% | 5,018 |
Pretax return on assets | 0.4324% | 5,277 |
Return on Equity (ROE) | 5.3283% | 4,366 |
Retained earnings to average equity (ytd only) | 3.8863% | 3,430 |
Net charge-offs to loans | 0.0771% | 2,091 |
Credit loss provision to net charge-offs | 109.6774% | 1,964 |
Earnings coverage of net charge-offs (x) | 1.3118% | 3,428 |
Efficiency ratio | 97.6910% | 290 |
Assets per employee ($millions) | 7.9488% | 576 |
Cash dividends to net income (ytd only)* | 27.0619% | 2,952 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4015% | 5,880 |
Loan loss allowance to noncurrent loans | 2.9812% | 5,507 |
Noncurrent assets plus other real estate owned to assets | 9.7250% | 49 |
Noncurrent loans to loans | 13.4663% | 18 |
Net loans and leases to total assets | 71.0067% | 2,326 |
Net loans and leases to deposits | 85.7006% | 2,285 |
Net loans and leases to core deposits | 90.2171% | 2,515 |
Total domestic deposits to total assets | 82.8544% | 3,704 |
Equity capital to assets | 7.7548% | 5,870 |
Core capital (leverage) ratio | 7.7737% | 5,829 |
Tier 1 risk-based capital ratio | 14.3258% | 3,421 |
Total risk-based capital ratio | 14.8804% | 3,739 |
Memoranda: | ||
Average total assets | $358,908,670 | 1,866 |
Average earning assets | $334,846,330 | 1,855 |
Average equity | $29,127,670 | 2,438 |
Average total loans | $241,170,670 | 1,852 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1993% | 5,482 |
Cost of funding earning assets | 0.3074% | 4,086 |
Net interest margin | 2.8919% | 5,336 |
Noninterest income to average assets | 0.7066% | 2,013 |
Noninterest expense to average assets | 3.3741% | 1,437 |
Loan and lease loss provision to assets | 0.0990% | 2,044 |
Net operating income to assets | -0.0921% | 5,842 |
Return on assets (ROA) | 0.6352% | 4,156 |
Pretax return on assets | 0.6352% | 4,715 |
Return on Equity (ROE) | 7.6408% | 3,112 |
Retained earnings to average equity (ytd only) | 7.2255% | 1,782 |
Net charge-offs to loans | 0.1333% | 1,306 |
Credit loss provision to net charge-offs | 114.6667% | 1,478 |
Earnings coverage of net charge-offs (x) | 0.0800% | 2,971 |
Efficiency ratio | 99.5575% | 302 |
Assets per employee ($millions) | 8.0728% | 552 |
Cash dividends to net income (ytd only)* | 5.4348% | 2,794 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4327% | 5,925 |
Loan loss allowance to noncurrent loans | 4.6050% | 5,530 |
Noncurrent assets plus other real estate owned to assets | 6.6704% | 98 |
Noncurrent loans to loans | 9.3956% | 47 |
Net loans and leases to total assets | 69.3026% | 2,457 |
Net loans and leases to deposits | 95.1747% | 1,028 |
Net loans and leases to core deposits | 98.2773% | 1,615 |
Total domestic deposits to total assets | 72.8162% | 5,721 |
Equity capital to assets | 8.0534% | 5,802 |
Core capital (leverage) ratio | 8.1121% | 5,714 |
Tier 1 risk-based capital ratio | 14.0943% | 3,623 |
Total risk-based capital ratio | 14.6508% | 3,962 |
Memoranda: | ||
Average total assets | $347,591,500 | 1,929 |
Average earning assets | $321,449,000 | 1,928 |
Average equity | $28,897,500 | 2,440 |
Average total loans | $225,078,000 | 1,948 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5189% | 4,869 |
Cost of funding earning assets | 0.2324% | 4,984 |
Net interest margin | 3.2865% | 4,344 |
Noninterest income to average assets | 0.4197% | 3,898 |
Noninterest expense to average assets | 3.1837% | 2,002 |
Loan and lease loss provision to assets | 0.0004% | 4,377 |
Net operating income to assets | 0.3022% | 5,358 |
Return on assets (ROA) | 0.3722% | 5,219 |
Pretax return on assets | 0.3672% | 5,387 |
Return on Equity (ROE) | 3.6749% | 5,075 |
Retained earnings to average equity (ytd only) | 3.1459% | 3,812 |
Net charge-offs to loans | 0.0112% | 4,081 |
Credit loss provision to net charge-offs | 5.8824% | 3,852 |
Earnings coverage of net charge-offs (x) | 49.0000% | 1,019 |
Efficiency ratio | 90.9912% | 633 |
Assets per employee ($millions) | 8.2977% | 497 |
Cash dividends to net income (ytd only)* | 14.3954% | 3,969 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5489% | 5,873 |
Loan loss allowance to noncurrent loans | 12.6607% | 5,539 |
Noncurrent assets plus other real estate owned to assets | 2.7426% | 526 |
Noncurrent loans to loans | 4.3355% | 255 |
Net loans and leases to total assets | 59.1188% | 3,955 |
Net loans and leases to deposits | 81.1165% | 2,695 |
Net loans and leases to core deposits | 84.4825% | 2,932 |
Total domestic deposits to total assets | 72.8813% | 5,741 |
Equity capital to assets | 8.5985% | 5,470 |
Core capital (leverage) ratio | 8.6140% | 5,318 |
Tier 1 risk-based capital ratio | 14.0693% | 3,676 |
Total risk-based capital ratio | 14.6299% | 4,007 |
Memoranda: | ||
Average total assets | $279,959,200 | 2,274 |
Average earning assets | $260,794,200 | 2,260 |
Average equity | $28,354,200 | 2,432 |
Average total loans | $151,211,000 | 2,582 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5296% | 4,916 |
Cost of funding earning assets | 0.2307% | 5,084 |
Net interest margin | 3.2989% | 4,344 |
Noninterest income to average assets | 0.3316% | 4,571 |
Noninterest expense to average assets | 3.1109% | 2,194 |
Loan and lease loss provision to assets | -0.0330% | 5,879 |
Net operating income to assets | 0.3516% | 5,309 |
Return on assets (ROA) | 0.4470% | 5,070 |
Pretax return on assets | 0.4415% | 5,369 |
Return on Equity (ROE) | 4.2154% | 4,951 |
Retained earnings to average equity (ytd only) | 4.2154% | 3,468 |
Net charge-offs to loans | 0.0067% | 3,936 |
Credit loss provision to net charge-offs | -942.8571% | 5,488 |
Earnings coverage of net charge-offs (x) | 89.6013% | 687 |
Efficiency ratio | 90.3588% | 677 |
Assets per employee ($millions) | 7.2649% | 771 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6708% | 5,790 |
Loan loss allowance to noncurrent loans | 14.9215% | 5,628 |
Noncurrent assets plus other real estate owned to assets | 3.1846% | 446 |
Noncurrent loans to loans | 4.4954% | 243 |
Net loans and leases to total assets | 53.6230% | 4,604 |
Net loans and leases to deposits | 66.7068% | 4,308 |
Net loans and leases to core deposits | 69.8840% | 4,379 |
Total domestic deposits to total assets | 80.3861% | 4,640 |
Equity capital to assets | 10.0896% | 4,062 |
Core capital (leverage) ratio | 9.8856% | 3,786 |
Tier 1 risk-based capital ratio | 14.8397% | 3,375 |
Total risk-based capital ratio | 15.3997% | 3,696 |
Memoranda: | ||
Average total assets | $266,972,000 | 2,384 |
Average earning assets | $250,261,500 | 2,358 |
Average equity | $28,308,000 | 2,450 |
Average total loans | $139,688,000 | 2,746 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5601% | 4,834 |
Cost of funding earning assets | 0.2400% | 5,053 |
Net interest margin | 3.3200% | 4,211 |
Noninterest income to average assets | 0.3227% | 4,639 |
Noninterest expense to average assets | 3.1049% | 2,231 |
Loan and lease loss provision to assets | -0.1124% | 6,098 |
Net operating income to assets | 0.4527% | 4,964 |
Return on assets (ROA) | 0.5713% | 4,569 |
Pretax return on assets | 0.5690% | 5,051 |
Return on Equity (ROE) | 5.2951% | 4,491 |
Retained earnings to average equity (ytd only) | 5.2951% | 2,677 |
Net charge-offs to loans | -0.0015% | 4,564 |
Credit loss provision to net charge-offs | 14,700.0000% | 33 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6935% | 778 |
Assets per employee ($millions) | 6.5474% | 1,033 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6591% | 5,885 |
Loan loss allowance to noncurrent loans | 12.5181% | 5,738 |
Noncurrent assets plus other real estate owned to assets | 2.9896% | 563 |
Noncurrent loans to loans | 5.2653% | 205 |
Net loans and leases to total assets | 52.1785% | 4,739 |
Net loans and leases to deposits | 72.6974% | 3,653 |
Net loans and leases to core deposits | 77.7494% | 3,606 |
Total domestic deposits to total assets | 71.7749% | 5,945 |
Equity capital to assets | 10.1477% | 3,871 |
Core capital (leverage) ratio | 9.1548% | 4,745 |
Tier 1 risk-based capital ratio | 15.3239% | 3,185 |
Total risk-based capital ratio | 15.8655% | 3,500 |
Memoranda: | ||
Average total assets | $261,519,330 | 2,445 |
Average earning assets | $245,782,670 | 2,412 |
Average equity | $28,215,000 | 2,467 |
Average total loans | $135,265,330 | 2,822 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5057% | 4,944 |
Cost of funding earning assets | 0.2309% | 5,203 |
Net interest margin | 3.2747% | 4,324 |
Noninterest income to average assets | 0.2119% | 5,434 |
Noninterest expense to average assets | 2.7600% | 3,385 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.4758% | 4,777 |
Return on assets (ROA) | 0.6343% | 4,242 |
Pretax return on assets | 0.7285% | 4,508 |
Return on Equity (ROE) | 5.6962% | 4,184 |
Retained earnings to average equity (ytd only) | 5.6962% | 2,658 |
Net charge-offs to loans | -0.0643% | 5,652 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.9535% | 1,503 |
Assets per employee ($millions) | 6.9380% | 879 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8046% | 5,684 |
Loan loss allowance to noncurrent loans | 22.3913% | 5,686 |
Noncurrent assets plus other real estate owned to assets | 2.0729% | 1,125 |
Noncurrent loans to loans | 3.5934% | 519 |
Net loans and leases to total assets | 50.9387% | 4,751 |
Net loans and leases to deposits | 71.5711% | 3,582 |
Net loans and leases to core deposits | 76.3560% | 3,553 |
Total domestic deposits to total assets | 71.1721% | 6,081 |
Equity capital to assets | 10.6541% | 3,370 |
Core capital (leverage) ratio | 10.9036% | 2,512 |
Tier 1 risk-based capital ratio | 16.8912% | 2,525 |
Total risk-based capital ratio | 17.5800% | 2,708 |
Memoranda: | ||
Average total assets | $254,784,500 | 2,514 |
Average earning assets | $240,754,000 | 2,462 |
Average equity | $28,370,000 | 2,478 |
Average total loans | $130,679,500 | 2,905 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6904% | 4,808 |
Cost of funding earning assets | 0.2312% | 5,510 |
Net interest margin | 3.4592% | 3,944 |
Noninterest income to average assets | 0.1810% | 5,770 |
Noninterest expense to average assets | 3.0316% | 2,751 |
Loan and lease loss provision to assets | 0.0396% | 3,783 |
Net operating income to assets | 0.5912% | 4,411 |
Return on assets (ROA) | 0.6516% | 4,239 |
Pretax return on assets | 0.4649% | 5,342 |
Return on Equity (ROE) | 7.2261% | 3,502 |
Retained earnings to average equity (ytd only) | 6.0548% | 1,894 |
Net charge-offs to loans | -0.0055% | 5,473 |
Credit loss provision to net charge-offs | -1,400.0000% | 5,947 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.2453% | 1,145 |
Assets per employee ($millions) | 6.6385% | 986 |
Cash dividends to net income (ytd only)* | 16.2084% | 3,939 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8970% | 5,485 |
Loan loss allowance to noncurrent loans | 31.2642% | 5,623 |
Noncurrent assets plus other real estate owned to assets | 1.7273% | 1,540 |
Noncurrent loans to loans | 2.8690% | 803 |
Net loans and leases to total assets | 50.7609% | 4,890 |
Net loans and leases to deposits | 72.9709% | 3,556 |
Net loans and leases to core deposits | 74.9506% | 3,825 |
Total domestic deposits to total assets | 69.5632% | 6,213 |
Equity capital to assets | 11.6793% | 2,273 |
Core capital (leverage) ratio | 12.2193% | 1,490 |
Tier 1 risk-based capital ratio | 18.2433% | 2,068 |
Total risk-based capital ratio | 19.0015% | 2,185 |
Memoranda: | ||
Average total assets | $212,102,400 | 2,858 |
Average earning assets | $202,013,000 | 2,787 |
Average equity | $19,125,200 | 3,270 |
Average total loans | $109,065,800 | 3,242 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8149% | 4,489 |
Cost of funding earning assets | 0.2382% | 5,530 |
Net interest margin | 3.5767% | 3,522 |
Noninterest income to average assets | 0.1876% | 5,790 |
Noninterest expense to average assets | 2.8486% | 3,291 |
Loan and lease loss provision to assets | 0.0545% | 3,283 |
Net operating income to assets | 0.8745% | 3,050 |
Return on assets (ROA) | 0.9309% | 2,861 |
Pretax return on assets | 0.7433% | 4,546 |
Return on Equity (ROE) | 11.2943% | 1,688 |
Retained earnings to average equity (ytd only) | 9.5300% | 825 |
Net charge-offs to loans | -0.0404% | 5,834 |
Credit loss provision to net charge-offs | -262.5000% | 5,617 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.3725% | 2,125 |
Assets per employee ($millions) | 5.6253% | 1,617 |
Cash dividends to net income (ytd only)* | 15.6207% | 3,367 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0263% | 5,097 |
Loan loss allowance to noncurrent loans | 29.9652% | 5,729 |
Noncurrent assets plus other real estate owned to assets | 2.0933% | 1,341 |
Noncurrent loans to loans | 3.4251% | 708 |
Net loans and leases to total assets | 51.9379% | 4,814 |
Net loans and leases to deposits | 66.0641% | 4,322 |
Net loans and leases to core deposits | 69.7630% | 4,344 |
Total domestic deposits to total assets | 78.6174% | 5,413 |
Equity capital to assets | 8.6717% | 5,664 |
Core capital (leverage) ratio | 8.5391% | 5,611 |
Tier 1 risk-based capital ratio | 13.8368% | 4,330 |
Total risk-based capital ratio | 14.7248% | 4,501 |
Memoranda: | ||
Average total assets | $205,381,250 | 2,954 |
Average earning assets | $195,371,000 | 2,880 |
Average equity | $16,928,500 | 3,550 |
Average total loans | $105,729,750 | 3,341 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8614% | 4,294 |
Cost of funding earning assets | 0.2378% | 5,605 |
Net interest margin | 3.6236% | 3,264 |
Noninterest income to average assets | 0.1849% | 5,845 |
Noninterest expense to average assets | 2.7731% | 3,599 |
Loan and lease loss provision to assets | 0.0822% | 2,660 |
Net operating income to assets | 1.0965% | 1,960 |
Return on assets (ROA) | 1.1797% | 1,728 |
Pretax return on assets | 0.8559% | 4,054 |
Return on Equity (ROE) | 14.5696% | 864 |
Retained earnings to average equity (ytd only) | 11.8635% | 438 |
Net charge-offs to loans | -0.0803% | 6,078 |
Credit loss provision to net charge-offs | -200.0000% | 5,389 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4651% | 2,731 |
Assets per employee ($millions) | 6.9575% | 815 |
Cash dividends to net income (ytd only)* | 18.5738% | 3,232 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9959% | 5,369 |
Loan loss allowance to noncurrent loans | 26.6667% | 5,859 |
Noncurrent assets plus other real estate owned to assets | 2.3289% | 1,268 |
Noncurrent loans to loans | 3.7347% | 673 |
Net loans and leases to total assets | 53.9142% | 4,554 |
Net loans and leases to deposits | 74.7603% | 3,233 |
Net loans and leases to core deposits | 79.3744% | 3,276 |
Total domestic deposits to total assets | 72.1161% | 6,243 |
Equity capital to assets | 8.5605% | 5,752 |
Core capital (leverage) ratio | 8.5056% | 5,634 |
Tier 1 risk-based capital ratio | 14.1908% | 4,132 |
Total risk-based capital ratio | 15.1135% | 4,296 |
Memoranda: | ||
Average total assets | $204,462,670 | 2,976 |
Average earning assets | $194,284,330 | 2,904 |
Average equity | $16,555,000 | 3,605 |
Average total loans | $104,565,330 | 3,365 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7053% | 4,829 |
Cost of funding earning assets | 0.2333% | 5,727 |
Net interest margin | 3.4720% | 3,817 |
Noninterest income to average assets | 0.1918% | 5,812 |
Noninterest expense to average assets | 2.7440% | 3,784 |
Loan and lease loss provision to assets | 0.0771% | 2,600 |
Net operating income to assets | 1.6547% | 615 |
Return on assets (ROA) | 1.6547% | 644 |
Pretax return on assets | 0.6662% | 4,614 |
Return on Equity (ROE) | 21.0586% | 240 |
Retained earnings to average equity (ytd only) | 20.1528% | 115 |
Net charge-offs to loans | -0.0800% | 6,032 |
Credit loss provision to net charge-offs | -195.0000% | 4,960 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.6644% | 2,523 |
Assets per employee ($millions) | 7.1495% | 743 |
Cash dividends to net income (ytd only)* | 4.3011% | 2,781 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0402% | 5,350 |
Loan loss allowance to noncurrent loans | 36.6047% | 5,673 |
Noncurrent assets plus other real estate owned to assets | 1.7011% | 2,076 |
Noncurrent loans to loans | 2.8416% | 1,155 |
Net loans and leases to total assets | 48.7776% | 5,026 |
Net loans and leases to deposits | 63.4437% | 4,380 |
Net loans and leases to core deposits | 66.4147% | 4,457 |
Total domestic deposits to total assets | 76.8833% | 5,980 |
Equity capital to assets | 8.1781% | 5,924 |
Core capital (leverage) ratio | 8.5096% | 5,627 |
Tier 1 risk-based capital ratio | 14.6838% | 3,901 |
Total risk-based capital ratio | 15.6006% | 4,053 |
Memoranda: | ||
Average total assets | $202,331,000 | 3,022 |
Average earning assets | $192,050,500 | 2,949 |
Average equity | $15,898,500 | 3,719 |
Average total loans | $100,015,500 | 3,473 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8870% | 4,506 |
Cost of funding earning assets | 0.2621% | 5,895 |
Net interest margin | 3.6249% | 3,354 |
Noninterest income to average assets | 0.1600% | 6,129 |
Noninterest expense to average assets | 2.7885% | 3,767 |
Loan and lease loss provision to assets | 0.1312% | 2,668 |
Net operating income to assets | 0.9483% | 2,574 |
Return on assets (ROA) | 1.1089% | 1,976 |
Pretax return on assets | 0.8304% | 4,031 |
Return on Equity (ROE) | 12.9194% | 1,179 |
Retained earnings to average equity (ytd only) | 11.6294% | 355 |
Net charge-offs to loans | 0.1857% | 2,977 |
Credit loss provision to net charge-offs | 134.6591% | 1,744 |
Earnings coverage of net charge-offs (x) | 8.2216% | 2,705 |
Efficiency ratio | 75.9099% | 2,789 |
Assets per employee ($millions) | 6.8044% | 848 |
Cash dividends to net income (ytd only)* | 9.9850% | 4,038 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0272% | 5,433 |
Loan loss allowance to noncurrent loans | 32.1703% | 5,888 |
Noncurrent assets plus other real estate owned to assets | 1.8989% | 1,908 |
Noncurrent loans to loans | 3.1931% | 1,058 |
Net loans and leases to total assets | 49.0708% | 5,186 |
Net loans and leases to deposits | 62.7568% | 4,641 |
Net loans and leases to core deposits | 67.2557% | 4,586 |
Total domestic deposits to total assets | 78.1920% | 5,801 |
Equity capital to assets | 7.5210% | 6,274 |
Core capital (leverage) ratio | 8.7006% | 5,416 |
Tier 1 risk-based capital ratio | 15.6512% | 3,276 |
Total risk-based capital ratio | 16.6000% | 3,405 |
Memoranda: | ||
Average total assets | $180,631,800 | 3,268 |
Average earning assets | $170,901,800 | 3,208 |
Average equity | $15,503,800 | 3,786 |
Average total loans | $94,752,200 | 3,582 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9157% | 4,446 |
Cost of funding earning assets | 0.2702% | 5,962 |
Net interest margin | 3.6455% | 3,255 |
Noninterest income to average assets | 0.2025% | 5,969 |
Noninterest expense to average assets | 2.8456% | 3,505 |
Loan and lease loss provision to assets | 0.1738% | 2,091 |
Net operating income to assets | 1.0072% | 2,349 |
Return on assets (ROA) | 1.2135% | 1,661 |
Pretax return on assets | 0.8349% | 4,165 |
Return on Equity (ROE) | 13.6653% | 1,079 |
Retained earnings to average equity (ytd only) | 12.3038% | 388 |
Net charge-offs to loans | 0.1674% | 2,884 |
Credit loss provision to net charge-offs | 194.9153% | 1,243 |
Earnings coverage of net charge-offs (x) | 8.9999% | 2,542 |
Efficiency ratio | 76.2220% | 2,696 |
Assets per employee ($millions) | 6.1482% | 1,137 |
Cash dividends to net income (ytd only)* | 9.9627% | 3,476 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1011% | 5,330 |
Loan loss allowance to noncurrent loans | 28.1716% | 6,045 |
Noncurrent assets plus other real estate owned to assets | 2.3212% | 1,700 |
Noncurrent loans to loans | 3.9087% | 912 |
Net loans and leases to total assets | 49.8095% | 5,163 |
Net loans and leases to deposits | 60.8645% | 4,885 |
Net loans and leases to core deposits | 64.0196% | 4,901 |
Total domestic deposits to total assets | 81.8368% | 4,986 |
Equity capital to assets | 8.0753% | 6,099 |
Core capital (leverage) ratio | 8.6769% | 5,567 |
Tier 1 risk-based capital ratio | 16.8459% | 2,772 |
Total risk-based capital ratio | 17.9456% | 2,817 |
Memoranda: | ||
Average total assets | $176,458,000 | 3,342 |
Average earning assets | $166,779,000 | 3,289 |
Average equity | $15,669,500 | 3,799 |
Average total loans | $93,981,500 | 3,624 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8656% | 4,601 |
Cost of funding earning assets | 0.2762% | 6,011 |
Net interest margin | 3.5894% | 3,403 |
Noninterest income to average assets | 0.2224% | 5,854 |
Noninterest expense to average assets | 2.8822% | 3,394 |
Loan and lease loss provision to assets | 0.1770% | 2,142 |
Net operating income to assets | 1.1179% | 1,872 |
Return on assets (ROA) | 1.3846% | 1,199 |
Pretax return on assets | 0.8198% | 4,236 |
Return on Equity (ROE) | 15.0866% | 796 |
Retained earnings to average equity (ytd only) | 15.0866% | 232 |
Net charge-offs to loans | 0.3001% | 1,986 |
Credit loss provision to net charge-offs | 108.5714% | 2,046 |
Earnings coverage of net charge-offs (x) | 4.4786% | 3,118 |
Efficiency ratio | 77.9175% | 2,471 |
Assets per employee ($millions) | 6.1242% | 1,117 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9920% | 5,856 |
Loan loss allowance to noncurrent loans | 13.8897% | 6,392 |
Noncurrent assets plus other real estate owned to assets | 4.2578% | 789 |
Noncurrent loans to loans | 7.1421% | 328 |
Net loans and leases to total assets | 53.7789% | 4,622 |
Net loans and leases to deposits | 73.8596% | 3,177 |
Net loans and leases to core deposits | 75.1042% | 3,660 |
Total domestic deposits to total assets | 72.8124% | 6,514 |
Equity capital to assets | 8.2499% | 6,022 |
Core capital (leverage) ratio | 9.1050% | 4,820 |
Tier 1 risk-based capital ratio | 16.6018% | 2,889 |
Total risk-based capital ratio | 17.6006% | 2,971 |
Memoranda: | ||
Average total assets | $171,746,000 | 3,434 |
Average earning assets | $162,198,670 | 3,354 |
Average equity | $15,762,330 | 3,809 |
Average total loans | $93,311,670 | 3,649 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8638% | 4,602 |
Cost of funding earning assets | 0.2885% | 6,055 |
Net interest margin | 3.5753% | 3,364 |
Noninterest income to average assets | 0.2772% | 5,472 |
Noninterest expense to average assets | 2.9618% | 3,110 |
Loan and lease loss provision to assets | 0.1824% | 2,029 |
Net operating income to assets | 0.5094% | 4,610 |
Return on assets (ROA) | 1.0023% | 2,331 |
Pretax return on assets | 1.0023% | 3,340 |
Return on Equity (ROE) | 10.3692% | 1,924 |
Retained earnings to average equity (ytd only) | 10.3692% | 1,017 |
Net charge-offs to loans | 0.5015% | 1,202 |
Credit loss provision to net charge-offs | 66.9565% | 2,334 |
Earnings coverage of net charge-offs (x) | 2.5391% | 3,008 |
Efficiency ratio | 79.1829% | 2,443 |
Assets per employee ($millions) | 6.0902% | 1,194 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9817% | 6,047 |
Loan loss allowance to noncurrent loans | 13.1526% | 6,468 |
Noncurrent assets plus other real estate owned to assets | 4.4380% | 841 |
Noncurrent loans to loans | 7.4641% | 370 |
Net loans and leases to total assets | 53.6470% | 4,471 |
Net loans and leases to deposits | 71.5100% | 3,252 |
Net loans and leases to core deposits | 72.2846% | 3,784 |
Total domestic deposits to total assets | 75.0202% | 6,455 |
Equity capital to assets | 9.5112% | 4,836 |
Core capital (leverage) ratio | 9.1825% | 4,593 |
Tier 1 risk-based capital ratio | 16.5645% | 2,972 |
Total risk-based capital ratio | 17.5587% | 3,054 |
Memoranda: | ||
Average total assets | $168,817,500 | 3,522 |
Average earning assets | $159,426,500 | 3,440 |
Average equity | $16,317,500 | 3,770 |
Average total loans | $91,732,500 | 3,700 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3424% | 4,047 |
Cost of funding earning assets | 0.4257% | 5,745 |
Net interest margin | 3.9167% | 2,758 |
Noninterest income to average assets | 0.1916% | 6,035 |
Noninterest expense to average assets | 3.2911% | 2,366 |
Loan and lease loss provision to assets | 0.3532% | 1,892 |
Net operating income to assets | 0.2140% | 5,750 |
Return on assets (ROA) | 0.3621% | 5,472 |
Pretax return on assets | 0.3621% | 5,675 |
Return on Equity (ROE) | 3.6494% | 5,293 |
Retained earnings to average equity (ytd only) | 3.6494% | 3,647 |
Net charge-offs to loans | 0.7562% | 1,551 |
Credit loss provision to net charge-offs | 86.8132% | 3,599 |
Earnings coverage of net charge-offs (x) | 1.3940% | 4,759 |
Efficiency ratio | 82.2380% | 1,833 |
Assets per employee ($millions) | 5.7624% | 1,459 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0376% | 5,819 |
Loan loss allowance to noncurrent loans | 126.5060% | 2,721 |
Noncurrent assets plus other real estate owned to assets | 0.8491% | 4,350 |
Noncurrent loans to loans | 0.8202% | 4,544 |
Net loans and leases to total assets | 53.9355% | 4,628 |
Net loans and leases to deposits | 72.3438% | 3,355 |
Net loans and leases to core deposits | 73.1250% | 3,905 |
Total domestic deposits to total assets | 74.5543% | 6,484 |
Equity capital to assets | 9.8235% | 4,417 |
Core capital (leverage) ratio | 9.2186% | 4,547 |
Tier 1 risk-based capital ratio | 16.9705% | 2,669 |
Total risk-based capital ratio | 18.0644% | 2,703 |
Memoranda: | ||
Average total assets | $156,575,200 | 3,672 |
Average earning assets | $146,577,800 | 3,615 |
Average equity | $15,536,800 | 3,850 |
Average total loans | $84,232,600 | 3,901 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2730% | 4,566 |
Cost of funding earning assets | 0.4664% | 5,669 |
Net interest margin | 3.8066% | 3,313 |
Noninterest income to average assets | 0.1862% | 6,184 |
Noninterest expense to average assets | 3.2730% | 2,351 |
Loan and lease loss provision to assets | 0.4521% | 1,382 |
Net operating income to assets | 0.0165% | 6,255 |
Return on assets (ROA) | 0.1750% | 6,131 |
Pretax return on assets | 0.1750% | 6,163 |
Return on Equity (ROE) | 1.7584% | 6,088 |
Retained earnings to average equity (ytd only) | 1.7584% | 5,448 |
Net charge-offs to loans | 0.9807% | 1,088 |
Credit loss provision to net charge-offs | 85.9967% | 3,430 |
Earnings coverage of net charge-offs (x) | 0.8913% | 4,884 |
Efficiency ratio | 84.2593% | 1,562 |
Assets per employee ($millions) | 5.4078% | 1,723 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1371% | 5,572 |
Loan loss allowance to noncurrent loans | 32.2272% | 6,030 |
Noncurrent assets plus other real estate owned to assets | 2.3185% | 2,292 |
Noncurrent loans to loans | 3.5284% | 1,537 |
Net loans and leases to total assets | 52.2232% | 5,013 |
Net loans and leases to deposits | 69.2299% | 3,997 |
Net loans and leases to core deposits | 70.1671% | 4,485 |
Total domestic deposits to total assets | 75.4344% | 6,464 |
Equity capital to assets | 10.3912% | 3,966 |
Core capital (leverage) ratio | 9.3255% | 4,538 |
Tier 1 risk-based capital ratio | 17.0522% | 2,714 |
Total risk-based capital ratio | 18.1793% | 2,731 |
Memoranda: | ||
Average total assets | $153,941,750 | 3,754 |
Average earning assets | $143,783,500 | 3,696 |
Average equity | $15,317,000 | 3,932 |
Average total loans | $82,521,750 | 4,007 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3106% | 4,524 |
Cost of funding earning assets | 0.5025% | 5,601 |
Net interest margin | 3.8081% | 3,320 |
Noninterest income to average assets | 0.1922% | 6,179 |
Noninterest expense to average assets | 3.2122% | 2,549 |
Loan and lease loss provision to assets | 0.6824% | 823 |
Net operating income to assets | -0.1556% | 6,497 |
Return on assets (ROA) | 0.0824% | 6,342 |
Pretax return on assets | 0.0824% | 6,352 |
Return on Equity (ROE) | 0.8405% | 6,325 |
Retained earnings to average equity (ytd only) | 0.8405% | 5,727 |
Net charge-offs to loans | 1.4221% | 713 |
Credit loss provision to net charge-offs | 89.0785% | 3,073 |
Earnings coverage of net charge-offs (x) | 0.6877% | 4,714 |
Efficiency ratio | 82.6573% | 1,792 |
Assets per employee ($millions) | 5.8449% | 1,335 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1395% | 5,605 |
Loan loss allowance to noncurrent loans | 29.8544% | 6,165 |
Noncurrent assets plus other real estate owned to assets | 2.5106% | 2,226 |
Noncurrent loans to loans | 3.8169% | 1,469 |
Net loans and leases to total assets | 52.9960% | 4,960 |
Net loans and leases to deposits | 72.0399% | 3,602 |
Net loans and leases to core deposits | 73.0313% | 4,162 |
Total domestic deposits to total assets | 73.5647% | 6,705 |
Equity capital to assets | 9.6780% | 4,784 |
Core capital (leverage) ratio | 9.3629% | 4,352 |
Tier 1 risk-based capital ratio | 15.8429% | 3,251 |
Total risk-based capital ratio | 16.9287% | 3,311 |
Memoranda: | ||
Average total assets | $152,980,670 | 3,787 |
Average earning assets | $142,484,330 | 3,745 |
Average equity | $14,990,670 | 3,990 |
Average total loans | $82,415,330 | 4,029 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4596% | 4,072 |
Cost of funding earning assets | 0.5370% | 5,571 |
Net interest margin | 3.9226% | 2,833 |
Noninterest income to average assets | 0.3693% | 4,919 |
Noninterest expense to average assets | 3.4112% | 1,981 |
Loan and lease loss provision to assets | 1.1875% | 325 |
Net operating income to assets | -0.6004% | 6,872 |
Return on assets (ROA) | -0.6004% | 6,898 |
Pretax return on assets | -0.6004% | 6,863 |
Return on Equity (ROE) | -6.0877% | 6,891 |
Retained earnings to average equity (ytd only) | -6.0877% | 6,667 |
Net charge-offs to loans | 0.8608% | 1,192 |
Credit loss provision to net charge-offs | 255.4286% | 1,121 |
Earnings coverage of net charge-offs (x) | 1.2629% | 3,701 |
Efficiency ratio | 82.2591% | 1,904 |
Assets per employee ($millions) | 5.3555% | 1,829 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6676% | 3,477 |
Loan loss allowance to noncurrent loans | 48.5618% | 5,153 |
Noncurrent assets plus other real estate owned to assets | 3.5998% | 1,581 |
Noncurrent loans to loans | 3.4339% | 1,822 |
Net loans and leases to total assets | 51.1210% | 5,130 |
Net loans and leases to deposits | 64.0996% | 4,621 |
Net loans and leases to core deposits | 65.0951% | 5,006 |
Total domestic deposits to total assets | 79.7525% | 5,910 |
Equity capital to assets | 9.8824% | 4,277 |
Core capital (leverage) ratio | 9.3524% | 4,276 |
Tier 1 risk-based capital ratio | 16.1079% | 3,121 |
Total risk-based capital ratio | 17.3608% | 3,084 |
Memoranda: | ||
Average total assets | $150,565,000 | 3,862 |
Average earning assets | $139,296,000 | 3,829 |
Average equity | $14,849,500 | 4,025 |
Average total loans | $81,324,000 | 4,083 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8633% | 562 |
Cost of funding earning assets | 0.7911% | 4,930 |
Net interest margin | 5.0722% | 354 |
Noninterest income to average assets | 0.0652% | 6,770 |
Noninterest expense to average assets | 4.5849% | 540 |
Loan and lease loss provision to assets | 1.1459% | 785 |
Net operating income to assets | -1.0856% | 6,779 |
Return on assets (ROA) | -0.5938% | 6,592 |
Pretax return on assets | -0.5938% | 6,548 |
Return on Equity (ROE) | -5.8842% | 6,573 |
Retained earnings to average equity (ytd only) | -5.8842% | 6,498 |
Net charge-offs to loans | 0.8643% | 2,004 |
Credit loss provision to net charge-offs | 274.0678% | 872 |
Earnings coverage of net charge-offs (x) | 0.1441% | 5,727 |
Efficiency ratio | 94.1876% | 909 |
Assets per employee ($millions) | 4.7243% | 2,553 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2138% | 5,326 |
Loan loss allowance to noncurrent loans | 47.1993% | 5,172 |
Noncurrent assets plus other real estate owned to assets | 3.4860% | 1,701 |
Noncurrent loans to loans | 2.5717% | 2,553 |
Net loans and leases to total assets | 55.3408% | 4,828 |
Net loans and leases to deposits | 71.3681% | 3,891 |
Net loans and leases to core deposits | 72.5200% | 4,442 |
Total domestic deposits to total assets | 77.5427% | 6,270 |
Equity capital to assets | 9.8428% | 4,380 |
Core capital (leverage) ratio | 9.6361% | 3,819 |
Tier 1 risk-based capital ratio | 15.8324% | 3,145 |
Total risk-based capital ratio | 17.0024% | 3,152 |
Memoranda: | ||
Average total assets | $141,116,400 | 3,957 |
Average earning assets | $127,420,000 | 3,986 |
Average equity | $14,241,600 | 4,061 |
Average total loans | $68,260,200 | 4,550 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8848% | 579 |
Cost of funding earning assets | 0.8523% | 4,755 |
Net interest margin | 5.0325% | 387 |
Noninterest income to average assets | 0.0308% | 7,015 |
Noninterest expense to average assets | 4.3760% | 654 |
Loan and lease loss provision to assets | 1.0293% | 824 |
Net operating income to assets | -0.8590% | 6,826 |
Return on assets (ROA) | -0.2213% | 6,484 |
Pretax return on assets | -0.2213% | 6,430 |
Return on Equity (ROE) | -2.1777% | 6,495 |
Retained earnings to average equity (ytd only) | -2.1777% | 6,318 |
Net charge-offs to loans | 1.1742% | 1,341 |
Credit loss provision to net charge-offs | 189.3805% | 1,538 |
Earnings coverage of net charge-offs (x) | 0.3133% | 5,371 |
Efficiency ratio | 91.5573% | 1,064 |
Assets per employee ($millions) | 4.2914% | 3,289 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6998% | 6,961 |
Loan loss allowance to noncurrent loans | 19.0727% | 6,708 |
Noncurrent assets plus other real estate owned to assets | 3.7853% | 1,638 |
Noncurrent loans to loans | 3.6689% | 1,867 |
Net loans and leases to total assets | 49.2125% | 5,807 |
Net loans and leases to deposits | 65.3108% | 5,010 |
Net loans and leases to core deposits | 66.4329% | 5,372 |
Total domestic deposits to total assets | 75.3513% | 6,598 |
Equity capital to assets | 10.0188% | 4,319 |
Core capital (leverage) ratio | 9.6210% | 3,966 |
Tier 1 risk-based capital ratio | 16.6611% | 2,777 |
Total risk-based capital ratio | 17.2882% | 3,060 |
Memoranda: | ||
Average total assets | $138,601,500 | 4,027 |
Average earning assets | $124,362,250 | 4,075 |
Average equity | $14,082,000 | 4,108 |
Average total loans | $64,152,750 | 4,743 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8836% | 602 |
Cost of funding earning assets | 0.9158% | 4,543 |
Net interest margin | 4.9678% | 416 |
Noninterest income to average assets | -0.0264% | 7,231 |
Noninterest expense to average assets | 4.6091% | 531 |
Loan and lease loss provision to assets | 0.9812% | 894 |
Net operating income to assets | -1.1868% | 7,001 |
Return on assets (ROA) | -1.1119% | 6,987 |
Pretax return on assets | -1.1119% | 6,931 |
Return on Equity (ROE) | -10.8895% | 6,964 |
Retained earnings to average equity (ytd only) | -10.8895% | 6,911 |
Net charge-offs to loans | 0.8041% | 1,897 |
Credit loss provision to net charge-offs | 270.4453% | 1,123 |
Earnings coverage of net charge-offs (x) | -0.5668% | 5,544 |
Efficiency ratio | 99.7332% | 731 |
Assets per employee ($millions) | 4.3646% | 3,053 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6350% | 7,100 |
Loan loss allowance to noncurrent loans | 21.0080% | 6,688 |
Noncurrent assets plus other real estate owned to assets | 3.5005% | 1,882 |
Noncurrent loans to loans | 3.0226% | 2,399 |
Net loans and leases to total assets | 47.1686% | 6,137 |
Net loans and leases to deposits | 62.2875% | 5,463 |
Net loans and leases to core deposits | 64.8045% | 5,629 |
Total domestic deposits to total assets | 75.7273% | 6,639 |
Equity capital to assets | 10.2437% | 3,825 |
Core capital (leverage) ratio | 9.3995% | 4,113 |
Tier 1 risk-based capital ratio | 18.0572% | 2,157 |
Total risk-based capital ratio | 18.6492% | 2,348 |
Memoranda: | ||
Average total assets | $136,166,670 | 4,106 |
Average earning assets | $121,422,000 | 4,159 |
Average equity | $13,903,330 | 4,139 |
Average total loans | $61,433,670 | 4,894 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7601% | 789 |
Cost of funding earning assets | 0.9808% | 4,345 |
Net interest margin | 4.7793% | 592 |
Noninterest income to average assets | 0.3065% | 5,477 |
Noninterest expense to average assets | 3.8477% | 1,251 |
Loan and lease loss provision to assets | 0.8927% | 902 |
Net operating income to assets | -0.2143% | 6,575 |
Return on assets (ROA) | -0.2083% | 6,581 |
Pretax return on assets | -0.2083% | 6,541 |
Return on Equity (ROE) | -2.0436% | 6,588 |
Retained earnings to average equity (ytd only) | -2.0436% | 6,154 |
Net charge-offs to loans | 0.1356% | 3,705 |
Credit loss provision to net charge-offs | 1,500.0000% | 253 |
Earnings coverage of net charge-offs (x) | 11.4000% | 1,555 |
Efficiency ratio | 80.1446% | 2,503 |
Assets per employee ($millions) | 4.2975% | 3,253 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5046% | 7,274 |
Loan loss allowance to noncurrent loans | 11.4754% | 6,989 |
Noncurrent assets plus other real estate owned to assets | 6.4501% | 866 |
Noncurrent loans to loans | 4.3977% | 1,603 |
Net loans and leases to total assets | 41.4373% | 6,679 |
Net loans and leases to deposits | 51.3597% | 6,523 |
Net loans and leases to core deposits | 54.3143% | 6,532 |
Total domestic deposits to total assets | 80.6805% | 5,758 |
Equity capital to assets | 10.6438% | 3,046 |
Core capital (leverage) ratio | 10.0537% | 3,085 |
Tier 1 risk-based capital ratio | 19.1842% | 1,755 |
Total risk-based capital ratio | 19.5834% | 1,964 |
Memoranda: | ||
Average total assets | $134,416,500 | 4,164 |
Average earning assets | $118,678,500 | 4,246 |
Average equity | $13,701,500 | 4,169 |
Average total loans | $59,000,500 | 5,052 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0000% | 7,656 |
Cost of funding earning assets | 0.0000% | 7,641 |
Net interest margin | 0.0000% | 7,648 |
Noninterest income to average assets | 0.0000% | 7,282 |
Noninterest expense to average assets | 0.0000% | 7,654 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.0000% | 5,831 |
Return on assets (ROA) | 0.0000% | 5,960 |
Pretax return on assets | 0.0000% | 5,897 |
Return on Equity (ROE) | 0.0000% | 5,961 |
Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | NA | NA |
Assets per employee ($millions) | 5.0226% | 2,127 |
Cash dividends to net income (ytd only)* | NA | NA |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,582 |
Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
Noncurrent assets plus other real estate owned to assets | 5.7562% | 1,054 |
Noncurrent loans to loans | 7.4124% | 735 |
Net loans and leases to total assets | 46.1006% | 6,550 |
Net loans and leases to deposits | 59.5826% | 6,104 |
Net loans and leases to core deposits | 64.2294% | 6,033 |
Total domestic deposits to total assets | 77.3726% | 6,424 |
Equity capital to assets | 9.7508% | 4,053 |
Core capital (leverage) ratio | 9.3519% | 3,923 |
Tier 1 risk-based capital ratio | 16.8950% | 2,386 |
Total risk-based capital ratio | 16.8950% | 2,886 |
Memoranda: | ||
Average total assets | $133,009,000 | 4,201 |
Average earning assets | $118,205,800 | 4,272 |
Average equity | $11,142,400 | 4,830 |
Average total loans | $74,316,000 | 4,514 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2074% | 3,790 |
Cost of funding earning assets | 1.2866% | 4,315 |
Net interest margin | 3.9209% | 3,444 |
Noninterest income to average assets | -0.0453% | 7,496 |
Noninterest expense to average assets | 4.0283% | 1,022 |
Loan and lease loss provision to assets | 1.4828% | 904 |
Net operating income to assets | -2.0721% | 7,254 |
Return on assets (ROA) | -2.0167% | 7,259 |
Pretax return on assets | -2.0167% | 7,203 |
Return on Equity (ROE) | -25.1290% | 7,320 |
Retained earnings to average equity (ytd only) | -25.1290% | 7,310 |
Net charge-offs to loans | 1.7964% | 1,080 |
Credit loss provision to net charge-offs | 141.4025% | 2,800 |
Earnings coverage of net charge-offs (x) | -0.5620% | 6,348 |
Efficiency ratio | 114.5284% | 458 |
Assets per employee ($millions) | 4.7795% | 2,477 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4875% | 252 |
Loan loss allowance to noncurrent loans | 53.0726% | 4,757 |
Noncurrent assets plus other real estate owned to assets | 5.6260% | 1,089 |
Noncurrent loans to loans | 8.4555% | 589 |
Net loans and leases to total assets | 49.8595% | 6,340 |
Net loans and leases to deposits | 62.4164% | 6,073 |
Net loans and leases to core deposits | 68.5667% | 5,885 |
Total domestic deposits to total assets | 79.8821% | 5,744 |
Equity capital to assets | 7.5942% | 7,067 |
Core capital (leverage) ratio | 6.8944% | 7,213 |
Tier 1 risk-based capital ratio | 12.0316% | 5,430 |
Total risk-based capital ratio | 13.3164% | 5,375 |
Memoranda: | ||
Average total assets | $132,358,750 | 4,270 |
Average earning assets | $117,623,750 | 4,341 |
Average equity | $10,622,250 | 5,017 |
Average total loans | $77,265,750 | 4,489 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2589% | 3,659 |
Cost of funding earning assets | 1.3036% | 4,511 |
Net interest margin | 3.9553% | 3,224 |
Noninterest income to average assets | 0.1881% | 6,556 |
Noninterest expense to average assets | 3.8098% | 1,347 |
Loan and lease loss provision to assets | 1.7502% | 713 |
Net operating income to assets | -1.8746% | 7,274 |
Return on assets (ROA) | -1.7912% | 7,259 |
Pretax return on assets | -1.7912% | 7,172 |
Return on Equity (ROE) | -21.9204% | 7,317 |
Retained earnings to average equity (ytd only) | -21.9204% | 7,302 |
Net charge-offs to loans | 1.9791% | 927 |
Credit loss provision to net charge-offs | 146.2611% | 2,704 |
Earnings coverage of net charge-offs (x) | -0.1039% | 5,803 |
Efficiency ratio | 100.7407% | 780 |
Assets per employee ($millions) | 4.5793% | 2,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0151% | 372 |
Loan loss allowance to noncurrent loans | 47.9600% | 5,096 |
Noncurrent assets plus other real estate owned to assets | 7.3968% | 687 |
Noncurrent loans to loans | 8.3717% | 602 |
Net loans and leases to total assets | 55.2289% | 5,815 |
Net loans and leases to deposits | 70.9275% | 5,147 |
Net loans and leases to core deposits | 79.8719% | 4,708 |
Total domestic deposits to total assets | 77.8667% | 6,300 |
Equity capital to assets | 7.8750% | 6,868 |
Core capital (leverage) ratio | 7.6154% | 6,714 |
Tier 1 risk-based capital ratio | 12.4429% | 4,913 |
Total risk-based capital ratio | 13.7236% | 4,862 |
Memoranda: | ||
Average total assets | $131,869,670 | 4,298 |
Average earning assets | $116,602,670 | 4,403 |
Average equity | $10,775,330 | 4,979 |
Average total loans | $79,734,330 | 4,449 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2551% | 3,756 |
Cost of funding earning assets | 1.3215% | 4,677 |
Net interest margin | 3.9336% | 3,181 |
Noninterest income to average assets | 0.1461% | 6,930 |
Noninterest expense to average assets | 3.4306% | 2,157 |
Loan and lease loss provision to assets | 2.1917% | 490 |
Net operating income to assets | -2.0060% | 7,465 |
Return on assets (ROA) | -2.0060% | 7,467 |
Pretax return on assets | -2.0060% | 7,416 |
Return on Equity (ROE) | -24.1083% | 7,488 |
Retained earnings to average equity (ytd only) | -24.1083% | 7,445 |
Net charge-offs to loans | 2.7569% | 582 |
Credit loss provision to net charge-offs | 128.3422% | 2,745 |
Earnings coverage of net charge-offs (x) | 0.1087% | 4,936 |
Efficiency ratio | 91.8350% | 1,287 |
Assets per employee ($millions) | 4.5549% | 2,868 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5739% | 513 |
Loan loss allowance to noncurrent loans | 37.8054% | 5,835 |
Noncurrent assets plus other real estate owned to assets | 8.2875% | 587 |
Noncurrent loans to loans | 9.4534% | 470 |
Net loans and leases to total assets | 58.4794% | 5,355 |
Net loans and leases to deposits | 79.6145% | 3,725 |
Net loans and leases to core deposits | 92.5656% | 3,035 |
Total domestic deposits to total assets | 73.4531% | 7,112 |
Equity capital to assets | 8.2193% | 6,408 |
Core capital (leverage) ratio | 8.0023% | 6,237 |
Tier 1 risk-based capital ratio | 12.5533% | 4,691 |
Total risk-based capital ratio | 13.8289% | 4,630 |
Memoranda: | ||
Average total assets | $131,404,500 | 4,373 |
Average earning assets | $115,925,000 | 4,475 |
Average equity | $10,934,000 | 4,997 |
Average total loans | $81,395,500 | 4,462 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0377% | 1,721 |
Cost of funding earning assets | 1.8835% | 3,543 |
Net interest margin | 4.1542% | 2,234 |
Noninterest income to average assets | 0.2067% | 6,629 |
Noninterest expense to average assets | 3.7891% | 1,719 |
Loan and lease loss provision to assets | 3.2995% | 484 |
Net operating income to assets | -3.2147% | 7,447 |
Return on assets (ROA) | -2.7102% | 7,331 |
Pretax return on assets | -2.7102% | 7,213 |
Return on Equity (ROE) | -30.5356% | 7,414 |
Retained earnings to average equity (ytd only) | -30.5356% | 7,399 |
Net charge-offs to loans | 3.7471% | 491 |
Credit loss provision to net charge-offs | 131.5476% | 3,844 |
Earnings coverage of net charge-offs (x) | 0.0338% | 6,150 |
Efficiency ratio | 94.5436% | 1,377 |
Assets per employee ($millions) | 4.2167% | 3,405 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2704% | 620 |
Loan loss allowance to noncurrent loans | 36.7541% | 5,984 |
Noncurrent assets plus other real estate owned to assets | 8.6025% | 482 |
Noncurrent loans to loans | 8.8979% | 518 |
Net loans and leases to total assets | 61.1836% | 5,162 |
Net loans and leases to deposits | 80.8210% | 3,833 |
Net loans and leases to core deposits | 98.0627% | 4,216 |
Total domestic deposits to total assets | 75.7027% | 6,738 |
Equity capital to assets | 8.4235% | 6,024 |
Core capital (leverage) ratio | 8.6035% | 5,096 |
Tier 1 risk-based capital ratio | 12.6181% | 4,426 |
Total risk-based capital ratio | 13.8898% | 4,346 |
Memoranda: | ||
Average total assets | $127,260,400 | 4,396 |
Average earning assets | $112,344,800 | 4,500 |
Average equity | $11,295,000 | 4,944 |
Average total loans | $85,187,000 | 4,352 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1406% | 1,524 |
Cost of funding earning assets | 2.0031% | 3,343 |
Net interest margin | 4.1375% | 2,261 |
Noninterest income to average assets | 0.2416% | 6,507 |
Noninterest expense to average assets | 3.6372% | 1,945 |
Loan and lease loss provision to assets | 1.8987% | 967 |
Net operating income to assets | -1.6361% | 7,170 |
Return on assets (ROA) | -1.1994% | 6,965 |
Pretax return on assets | -1.1994% | 6,814 |
Return on Equity (ROE) | -13.3377% | 7,098 |
Retained earnings to average equity (ytd only) | -13.3377% | 7,033 |
Net charge-offs to loans | 1.9903% | 990 |
Credit loss provision to net charge-offs | 140.5152% | 3,496 |
Earnings coverage of net charge-offs (x) | 0.1944% | 5,829 |
Efficiency ratio | 89.8837% | 1,697 |
Assets per employee ($millions) | 4.1740% | 3,416 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5498% | 1,016 |
Loan loss allowance to noncurrent loans | 43.2982% | 5,427 |
Noncurrent assets plus other real estate owned to assets | 7.1118% | 667 |
Noncurrent loans to loans | 5.8889% | 1,019 |
Net loans and leases to total assets | 63.4086% | 4,990 |
Net loans and leases to deposits | 89.1965% | 2,745 |
Net loans and leases to core deposits | 108.2090% | 3,442 |
Total domestic deposits to total assets | 71.0887% | 7,326 |
Equity capital to assets | 9.5937% | 4,628 |
Core capital (leverage) ratio | 9.0536% | 4,572 |
Tier 1 risk-based capital ratio | 13.3807% | 3,942 |
Total risk-based capital ratio | 14.6441% | 3,865 |
Memoranda: | ||
Average total assets | $126,396,000 | 4,437 |
Average earning assets | $111,756,500 | 4,544 |
Average equity | $11,366,000 | 4,956 |
Average total loans | $85,813,250 | 4,373 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0588% | 1,949 |
Cost of funding earning assets | 2.1572% | 3,002 |
Net interest margin | 3.9016% | 3,107 |
Noninterest income to average assets | 0.2468% | 6,517 |
Noninterest expense to average assets | 3.5982% | 2,075 |
Loan and lease loss provision to assets | 0.9677% | 1,743 |
Net operating income to assets | -0.8596% | 6,871 |
Return on assets (ROA) | -0.6371% | 6,697 |
Pretax return on assets | -0.6371% | 6,556 |
Return on Equity (ROE) | -7.2588% | 6,827 |
Retained earnings to average equity (ytd only) | -7.2588% | 6,592 |
Net charge-offs to loans | 1.0111% | 1,751 |
Credit loss provision to net charge-offs | 138.8889% | 3,360 |
Earnings coverage of net charge-offs (x) | 0.1551% | 5,513 |
Efficiency ratio | 93.1680% | 1,554 |
Assets per employee ($millions) | 4.2272% | 3,241 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1159% | 1,363 |
Loan loss allowance to noncurrent loans | 23.5420% | 6,936 |
Noncurrent assets plus other real estate owned to assets | 7.3749% | 550 |
Noncurrent loans to loans | 8.9878% | 440 |
Net loans and leases to total assets | 63.7813% | 5,028 |
Net loans and leases to deposits | 79.5722% | 4,606 |
Net loans and leases to core deposits | 93.9080% | 5,128 |
Total domestic deposits to total assets | 80.1552% | 5,414 |
Equity capital to assets | 9.2881% | 4,899 |
Core capital (leverage) ratio | 9.6748% | 3,664 |
Tier 1 risk-based capital ratio | 12.8868% | 4,222 |
Total risk-based capital ratio | 14.1331% | 4,141 |
Memoranda: | ||
Average total assets | $124,005,670 | 4,530 |
Average earning assets | $109,955,670 | 4,623 |
Average equity | $10,883,330 | 5,119 |
Average total loans | $85,448,000 | 4,416 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3952% | 1,073 |
Cost of funding earning assets | 2.3704% | 2,413 |
Net interest margin | 4.0248% | 2,557 |
Noninterest income to average assets | 0.2332% | 6,601 |
Noninterest expense to average assets | 3.4636% | 2,191 |
Loan and lease loss provision to assets | 0.2534% | 3,941 |
Net operating income to assets | 0.0676% | 6,075 |
Return on assets (ROA) | 0.0608% | 6,250 |
Pretax return on assets | 0.0608% | 6,252 |
Return on Equity (ROE) | 0.7169% | 6,218 |
Retained earnings to average equity (ytd only) | 0.7169% | 5,375 |
Net charge-offs to loans | 1.4459% | 993 |
Credit loss provision to net charge-offs | 24.6711% | 5,015 |
Earnings coverage of net charge-offs (x) | 0.3125% | 4,728 |
Efficiency ratio | 86.9643% | 1,972 |
Assets per employee ($millions) | 3.7050% | 4,329 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7636% | 1,946 |
Loan loss allowance to noncurrent loans | 48.7052% | 5,265 |
Noncurrent assets plus other real estate owned to assets | 3.1680% | 1,762 |
Noncurrent loans to loans | 3.6210% | 1,736 |
Net loans and leases to total assets | 68.9226% | 3,934 |
Net loans and leases to deposits | 83.8299% | 4,013 |
Net loans and leases to core deposits | 100.4610% | 4,495 |
Total domestic deposits to total assets | 82.2173% | 4,465 |
Equity capital to assets | 8.0087% | 6,794 |
Core capital (leverage) ratio | 8.9740% | 4,748 |
Tier 1 risk-based capital ratio | 11.3028% | 5,597 |
Total risk-based capital ratio | 12.5570% | 5,503 |
Memoranda: | ||
Average total assets | $118,373,500 | 4,695 |
Average earning assets | $104,453,500 | 4,792 |
Average equity | $10,043,000 | 5,371 |
Average total loans | $84,101,000 | 4,492 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8736% | 1,483 |
Cost of funding earning assets | 2.7199% | 3,066 |
Net interest margin | 4.1537% | 2,485 |
Noninterest income to average assets | 0.2857% | 6,422 |
Noninterest expense to average assets | 12.7943% | 97 |
Loan and lease loss provision to assets | 1.2541% | 1,141 |
Net operating income to assets | -9.4887% | 8,254 |
Return on assets (ROA) | -9.6988% | 8,252 |
Pretax return on assets | -10.5121% | 8,249 |
Return on Equity (ROE) | -59.0348% | 8,197 |
Retained earnings to average equity (ytd only) | -59.0348% | 8,183 |
Net charge-offs to loans | 0.9500% | 1,303 |
Credit loss provision to net charge-offs | 198.6649% | 2,460 |
Earnings coverage of net charge-offs (x) | -14.3044% | 6,923 |
Efficiency ratio | 109.9172% | 706 |
Assets per employee ($millions) | 3.5815% | 4,468 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9960% | 1,232 |
Loan loss allowance to noncurrent loans | 249.9264% | 1,590 |
Noncurrent assets plus other real estate owned to assets | 1.2006% | 3,842 |
Noncurrent loans to loans | 0.7986% | 5,045 |
Net loans and leases to total assets | 70.5012% | 3,906 |
Net loans and leases to deposits | 94.6874% | 2,663 |
Net loans and leases to core deposits | 113.5792% | 3,386 |
Total domestic deposits to total assets | 74.4568% | 6,568 |
Equity capital to assets | 8.9611% | 5,419 |
Core capital (leverage) ratio | 8.5935% | 5,390 |
Tier 1 risk-based capital ratio | 11.1265% | 5,619 |
Total risk-based capital ratio | 12.3832% | 5,492 |
Memoranda: | ||
Average total assets | $118,654,000 | 4,557 |
Average earning assets | $99,380,400 | 4,821 |
Average equity | $19,493,600 | 3,308 |
Average total loans | $78,842,400 | 4,560 |