Home > Four Corners Community Bank > Performance and Condition Ratios
Four Corners Community Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3864% | 1,336 |
Cost of funding earning assets | 0.8383% | 3,636 |
Net interest margin | 4.5481% | 566 |
Noninterest income to average assets | 0.5000% | 1,995 |
Noninterest expense to average assets | 2.4721% | 2,373 |
Loan and lease loss provision to assets | 0.3900% | 250 |
Net operating income to assets | 1.9821% | 480 |
Return on assets (ROA) | 1.9427% | 481 |
Pretax return on assets | 1.9427% | 729 |
Return on Equity (ROE) | 22.5800% | 422 |
Retained earnings to average equity (ytd only) | 2.2767% | 3,511 |
Net charge-offs to loans | 0.5169% | 196 |
Credit loss provision to net charge-offs | 118.1429% | 1,692 |
Earnings coverage of net charge-offs (x) | 7.1142% | 2,428 |
Efficiency ratio | 50.9617% | 3,913 |
Assets per employee ($millions) | 5.8857% | 2,916 |
Cash dividends to net income (ytd only)* | 89.9149% | 383 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1267% | 311 |
Loan loss allowance to noncurrent loans | 361.6770% | 1,801 |
Noncurrent assets plus other real estate owned to assets | 1.0631% | 447 |
Noncurrent loans to loans | 0.5880% | 1,339 |
Net loans and leases to total assets | 65.4500% | 2,317 |
Net loans and leases to deposits | 77.2042% | 2,337 |
Net loans and leases to core deposits | 86.1252% | 2,303 |
Total domestic deposits to total assets | 84.7700% | 2,388 |
Equity capital to assets | 9.1319% | 2,588 |
Core capital (leverage) ratio | 11.2692% | 1,785 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $489,978,400 | 1,748 |
Average earning assets | $468,327,400 | 1,713 |
Average equity | $42,165,600 | 1,807 |
Average total loans | $316,704,200 | 1,738 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2529% | 1,356 |
Cost of funding earning assets | 0.7145% | 3,731 |
Net interest margin | 4.5383% | 586 |
Noninterest income to average assets | 0.5300% | 1,815 |
Noninterest expense to average assets | 2.4098% | 2,492 |
Loan and lease loss provision to assets | 0.4000% | 207 |
Net operating income to assets | 2.0528% | 470 |
Return on assets (ROA) | 2.0528% | 462 |
Pretax return on assets | 2.0528% | 708 |
Return on Equity (ROE) | 24.2300% | 420 |
Retained earnings to average equity (ytd only) | 3.9819% | 3,263 |
Net charge-offs to loans | 0.4542% | 185 |
Credit loss provision to net charge-offs | 136.3636% | 1,377 |
Earnings coverage of net charge-offs (x) | 8.4180% | 2,195 |
Efficiency ratio | 49.5679% | 3,945 |
Assets per employee ($millions) | 5.9817% | 2,777 |
Cash dividends to net income (ytd only)* | 83.5658% | 414 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1967% | 295 |
Loan loss allowance to noncurrent loans | 347.7539% | 1,830 |
Noncurrent assets plus other real estate owned to assets | 1.1259% | 415 |
Noncurrent loans to loans | 0.6317% | 1,293 |
Net loans and leases to total assets | 63.8700% | 2,465 |
Net loans and leases to deposits | 74.1466% | 2,550 |
Net loans and leases to core deposits | 81.8540% | 2,480 |
Total domestic deposits to total assets | 86.1400% | 2,149 |
Equity capital to assets | 7.9017% | 3,116 |
Core capital (leverage) ratio | 11.2443% | 1,831 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $488,873,250 | 1,749 |
Average earning assets | $466,857,000 | 1,720 |
Average equity | $41,420,000 | 1,818 |
Average total loans | $313,230,500 | 1,750 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0486% | 1,468 |
Cost of funding earning assets | 0.5813% | 3,802 |
Net interest margin | 4.4673% | 636 |
Noninterest income to average assets | 0.5600% | 1,626 |
Noninterest expense to average assets | 2.4260% | 2,417 |
Loan and lease loss provision to assets | 0.3900% | 217 |
Net operating income to assets | 2.0070% | 461 |
Return on assets (ROA) | 2.0070% | 456 |
Pretax return on assets | 2.0070% | 737 |
Return on Equity (ROE) | 23.1200% | 482 |
Retained earnings to average equity (ytd only) | 3.4017% | 3,375 |
Net charge-offs to loans | 0.3495% | 244 |
Credit loss provision to net charge-offs | 175.4159% | 1,106 |
Earnings coverage of net charge-offs (x) | 10.7763% | 1,985 |
Efficiency ratio | 50.2813% | 3,903 |
Assets per employee ($millions) | 6.1853% | 2,558 |
Cash dividends to net income (ytd only)* | 85.2899% | 476 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2419% | 288 |
Loan loss allowance to noncurrent loans | 374.7114% | 1,884 |
Noncurrent assets plus other real estate owned to assets | 1.1400% | 373 |
Noncurrent loans to loans | 0.5983% | 1,245 |
Net loans and leases to total assets | 62.9400% | 2,487 |
Net loans and leases to deposits | 74.0909% | 2,481 |
Net loans and leases to core deposits | 81.3464% | 2,384 |
Total domestic deposits to total assets | 84.9500% | 2,551 |
Equity capital to assets | 8.6128% | 2,768 |
Core capital (leverage) ratio | 11.3514% | 1,705 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $486,403,000 | 1,757 |
Average earning assets | $464,485,333 | 1,726 |
Average equity | $42,214,333 | 1,807 |
Average total loans | $309,569,667 | 1,746 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9287% | 1,364 |
Cost of funding earning assets | 0.4595% | 3,808 |
Net interest margin | 4.4691% | 609 |
Noninterest income to average assets | 0.5800% | 1,496 |
Noninterest expense to average assets | 2.4737% | 2,308 |
Loan and lease loss provision to assets | 0.5800% | 122 |
Net operating income to assets | 1.7819% | 696 |
Return on assets (ROA) | 1.7819% | 690 |
Pretax return on assets | 1.7819% | 1,101 |
Return on Equity (ROE) | 20.4500% | 711 |
Retained earnings to average equity (ytd only) | -4.8747% | 4,323 |
Net charge-offs to loans | 0.5940% | 138 |
Credit loss provision to net charge-offs | 154.5254% | 937 |
Earnings coverage of net charge-offs (x) | 6.2870% | 1,786 |
Efficiency ratio | 51.1321% | 3,843 |
Assets per employee ($millions) | 6.0130% | 2,751 |
Cash dividends to net income (ytd only)* | 123.8361% | 310 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2076% | 315 |
Loan loss allowance to noncurrent loans | 279.0884% | 2,289 |
Noncurrent assets plus other real estate owned to assets | 1.3081% | 272 |
Noncurrent loans to loans | 0.7910% | 973 |
Net loans and leases to total assets | 63.4900% | 2,297 |
Net loans and leases to deposits | 74.7416% | 2,236 |
Net loans and leases to core deposits | 81.9262% | 2,120 |
Total domestic deposits to total assets | 84.9400% | 2,875 |
Equity capital to assets | 8.7516% | 2,696 |
Core capital (leverage) ratio | 11.2966% | 1,667 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $482,194,500 | 1,785 |
Average earning assets | $459,596,500 | 1,748 |
Average equity | $42,012,500 | 1,834 |
Average total loans | $305,067,000 | 1,774 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2790% | 1,090 |
Cost of funding earning assets | 0.1751% | 3,955 |
Net interest margin | 4.1039% | 651 |
Noninterest income to average assets | 0.5400% | 1,892 |
Noninterest expense to average assets | 2.3016% | 2,730 |
Loan and lease loss provision to assets | 0.1100% | 1,145 |
Net operating income to assets | 2.0399% | 276 |
Return on assets (ROA) | 1.9788% | 298 |
Pretax return on assets | 1.9788% | 500 |
Return on Equity (ROE) | 21.8300% | 346 |
Retained earnings to average equity (ytd only) | 7.1465% | 2,180 |
Net charge-offs to loans | 0.0927% | 763 |
Credit loss provision to net charge-offs | 186.7159% | 1,163 |
Earnings coverage of net charge-offs (x) | 38.1070% | 1,539 |
Efficiency ratio | 51.7143% | 4,010 |
Assets per employee ($millions) | 5.8212% | 2,930 |
Cash dividends to net income (ytd only)* | 67.2615% | 746 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3024% | 264 |
Loan loss allowance to noncurrent loans | 245.4842% | 2,428 |
Noncurrent assets plus other real estate owned to assets | 1.5214% | 205 |
Noncurrent loans to loans | 0.9379% | 791 |
Net loans and leases to total assets | 60.1600% | 2,617 |
Net loans and leases to deposits | 71.8602% | 2,418 |
Net loans and leases to core deposits | 77.8734% | 2,287 |
Total domestic deposits to total assets | 83.7200% | 3,269 |
Equity capital to assets | 8.6731% | 2,580 |
Core capital (leverage) ratio | 11.3923% | 1,571 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $481,450,200 | 1,766 |
Average earning assets | $458,022,600 | 1,732 |
Average equity | $43,643,800 | 1,798 |
Average total loans | $292,407,200 | 1,755 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0876% | 1,089 |
Cost of funding earning assets | 0.1329% | 4,009 |
Net interest margin | 3.9547% | 704 |
Noninterest income to average assets | 0.5400% | 1,952 |
Noninterest expense to average assets | 2.1969% | 2,942 |
Loan and lease loss provision to assets | 0.1900% | 485 |
Net operating income to assets | 1.9170% | 332 |
Return on assets (ROA) | 1.9170% | 330 |
Pretax return on assets | 1.9170% | 558 |
Return on Equity (ROE) | 20.9200% | 368 |
Retained earnings to average equity (ytd only) | 7.1816% | 2,306 |
Net charge-offs to loans | 0.1671% | 393 |
Credit loss provision to net charge-offs | 186.3388% | 1,016 |
Earnings coverage of net charge-offs (x) | 20.8169% | 1,698 |
Efficiency ratio | 51.0116% | 4,088 |
Assets per employee ($millions) | 5.9680% | 2,793 |
Cash dividends to net income (ytd only)* | 65.6768% | 719 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3248% | 277 |
Loan loss allowance to noncurrent loans | 180.1420% | 2,813 |
Noncurrent assets plus other real estate owned to assets | 1.5592% | 211 |
Noncurrent loans to loans | 1.2905% | 566 |
Net loans and leases to total assets | 59.5300% | 2,558 |
Net loans and leases to deposits | 70.4917% | 2,321 |
Net loans and leases to core deposits | 76.2860% | 2,174 |
Total domestic deposits to total assets | 84.4500% | 3,396 |
Equity capital to assets | 8.1410% | 2,808 |
Core capital (leverage) ratio | 11.0588% | 1,689 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $482,478,750 | 1,777 |
Average earning assets | $459,524,500 | 1,740 |
Average equity | $44,204,750 | 1,803 |
Average total loans | $292,022,000 | 1,754 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8052% | 1,303 |
Cost of funding earning assets | 0.1212% | 3,947 |
Net interest margin | 3.6840% | 939 |
Noninterest income to average assets | 0.5239% | 2,069 |
Noninterest expense to average assets | 2.1494% | 3,002 |
Loan and lease loss provision to assets | 0.1016% | 982 |
Net operating income to assets | 1.7778% | 356 |
Return on assets (ROA) | 1.7778% | 350 |
Pretax return on assets | 1.7778% | 631 |
Return on Equity (ROE) | 18.7073% | 405 |
Retained earnings to average equity (ytd only) | 5.9099% | 2,360 |
Net charge-offs to loans | 0.1394% | 469 |
Credit loss provision to net charge-offs | 120.6897% | 1,180 |
Earnings coverage of net charge-offs (x) | 22.3202% | 1,507 |
Efficiency ratio | 53.2997% | 4,024 |
Assets per employee ($millions) | 6.1126% | 2,642 |
Cash dividends to net income (ytd only)* | 68.4088% | 866 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1602% | 406 |
Loan loss allowance to noncurrent loans | 127.7249% | 3,171 |
Noncurrent assets plus other real estate owned to assets | 1.8393% | 171 |
Noncurrent loans to loans | 1.6913% | 417 |
Net loans and leases to total assets | 61.6582% | 2,159 |
Net loans and leases to deposits | 73.1543% | 1,947 |
Net loans and leases to core deposits | 78.1531% | 1,847 |
Total domestic deposits to total assets | 84.2851% | 3,629 |
Equity capital to assets | 8.5485% | 2,726 |
Core capital (leverage) ratio | 10.9999% | 1,611 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $482,170,333 | 1,785 |
Average earning assets | $458,735,333 | 1,753 |
Average equity | $45,821,667 | 1,807 |
Average total loans | $291,159,667 | 1,752 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6641% | 1,356 |
Cost of funding earning assets | 0.1286% | 3,792 |
Net interest margin | 3.5355% | 1,019 |
Noninterest income to average assets | 0.5014% | 2,132 |
Noninterest expense to average assets | 2.1336% | 3,034 |
Loan and lease loss provision to assets | 0.0880% | 941 |
Net operating income to assets | 1.6338% | 472 |
Return on assets (ROA) | 1.6338% | 471 |
Pretax return on assets | 1.6338% | 784 |
Return on Equity (ROE) | 16.3685% | 496 |
Retained earnings to average equity (ytd only) | 3.4517% | 3,136 |
Net charge-offs to loans | 0.1223% | 451 |
Credit loss provision to net charge-offs | 121.8391% | 930 |
Earnings coverage of net charge-offs (x) | 23.8391% | 1,223 |
Efficiency ratio | 55.2756% | 3,939 |
Assets per employee ($millions) | 5.9481% | 2,854 |
Cash dividends to net income (ytd only)* | 78.9126% | 719 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2624% | 398 |
Loan loss allowance to noncurrent loans | 113.5552% | 3,255 |
Noncurrent assets plus other real estate owned to assets | 1.9486% | 153 |
Noncurrent loans to loans | 1.9923% | 372 |
Net loans and leases to total assets | 58.0234% | 2,294 |
Net loans and leases to deposits | 70.5890% | 1,906 |
Net loans and leases to core deposits | 76.1539% | 1,773 |
Total domestic deposits to total assets | 82.1989% | 4,051 |
Equity capital to assets | 9.2331% | 2,501 |
Core capital (leverage) ratio | 10.8190% | 1,617 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $481,809,000 | 1,791 |
Average earning assets | $457,077,500 | 1,763 |
Average equity | $48,092,500 | 1,789 |
Average total loans | $284,581,000 | 1,770 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8368% | 1,779 |
Cost of funding earning assets | 0.2166% | 3,297 |
Net interest margin | 3.6202% | 1,406 |
Noninterest income to average assets | 0.6113% | 2,110 |
Noninterest expense to average assets | 2.1628% | 3,195 |
Loan and lease loss provision to assets | 0.2042% | 514 |
Net operating income to assets | 1.6752% | 671 |
Return on assets (ROA) | 1.6731% | 703 |
Pretax return on assets | 1.6731% | 1,207 |
Return on Equity (ROE) | 15.5963% | 823 |
Retained earnings to average equity (ytd only) | 6.1187% | 2,308 |
Net charge-offs to loans | 0.1631% | 590 |
Credit loss provision to net charge-offs | 204.0948% | 1,294 |
Earnings coverage of net charge-offs (x) | 18.7845% | 1,901 |
Efficiency ratio | 53.4194% | 3,990 |
Assets per employee ($millions) | 5.5985% | 3,163 |
Cash dividends to net income (ytd only)* | 60.7681% | 1,061 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3362% | 363 |
Loan loss allowance to noncurrent loans | 126.5156% | 3,156 |
Noncurrent assets plus other real estate owned to assets | 1.8698% | 183 |
Noncurrent loans to loans | 1.8465% | 446 |
Net loans and leases to total assets | 57.3835% | 2,438 |
Net loans and leases to deposits | 71.5198% | 1,959 |
Net loans and leases to core deposits | 77.3533% | 1,816 |
Total domestic deposits to total assets | 80.2344% | 4,200 |
Equity capital to assets | 10.7489% | 1,977 |
Core capital (leverage) ratio | 10.7345% | 1,732 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $463,753,000 | 1,800 |
Average earning assets | $439,506,800 | 1,768 |
Average equity | $49,749,000 | 1,775 |
Average total loans | $284,402,400 | 1,768 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7216% | 2,216 |
Cost of funding earning assets | 0.2408% | 3,203 |
Net interest margin | 3.4807% | 1,924 |
Noninterest income to average assets | 0.6378% | 2,059 |
Noninterest expense to average assets | 2.1103% | 3,332 |
Loan and lease loss provision to assets | 0.2246% | 437 |
Net operating income to assets | 1.5989% | 1,036 |
Return on assets (ROA) | 1.6038% | 1,065 |
Pretax return on assets | 1.6038% | 1,692 |
Return on Equity (ROE) | 14.9582% | 1,148 |
Retained earnings to average equity (ytd only) | 6.9852% | 2,425 |
Net charge-offs to loans | 0.0803% | 867 |
Credit loss provision to net charge-offs | 451.1628% | 809 |
Earnings coverage of net charge-offs (x) | 36.6337% | 1,423 |
Efficiency ratio | 53.5570% | 3,862 |
Assets per employee ($millions) | 5.8882% | 2,800 |
Cash dividends to net income (ytd only)* | 53.3021% | 1,069 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4022% | 333 |
Loan loss allowance to noncurrent loans | 126.8739% | 3,125 |
Noncurrent assets plus other real estate owned to assets | 1.8824% | 214 |
Noncurrent loans to loans | 1.8933% | 481 |
Net loans and leases to total assets | 56.6663% | 2,654 |
Net loans and leases to deposits | 70.2954% | 2,206 |
Net loans and leases to core deposits | 76.2490% | 2,025 |
Total domestic deposits to total assets | 80.6117% | 4,146 |
Equity capital to assets | 10.7371% | 2,229 |
Core capital (leverage) ratio | 10.7174% | 1,875 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $460,723,250 | 1,822 |
Average earning assets | $436,255,500 | 1,800 |
Average equity | $49,398,500 | 1,804 |
Average total loans | $285,602,000 | 1,793 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5996% | 2,621 |
Cost of funding earning assets | 0.2678% | 3,105 |
Net interest margin | 3.3317% | 2,347 |
Noninterest income to average assets | 0.5614% | 2,369 |
Noninterest expense to average assets | 2.1133% | 3,347 |
Loan and lease loss provision to assets | 0.2855% | 313 |
Net operating income to assets | 1.3208% | 1,801 |
Return on assets (ROA) | 1.3279% | 1,846 |
Pretax return on assets | 1.3279% | 2,557 |
Return on Equity (ROE) | 12.3907% | 1,915 |
Retained earnings to average equity (ytd only) | 4.8735% | 3,233 |
Net charge-offs to loans | 0.1144% | 676 |
Credit loss provision to net charge-offs | 393.9394% | 765 |
Earnings coverage of net charge-offs (x) | 22.1636% | 1,495 |
Efficiency ratio | 56.7194% | 3,445 |
Assets per employee ($millions) | 6.1501% | 2,481 |
Cash dividends to net income (ytd only)* | 60.6682% | 911 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3412% | 335 |
Loan loss allowance to noncurrent loans | 111.8070% | 3,228 |
Noncurrent assets plus other real estate owned to assets | 2.3079% | 163 |
Noncurrent loans to loans | 2.0940% | 449 |
Net loans and leases to total assets | 57.5548% | 2,722 |
Net loans and leases to deposits | 71.3857% | 2,266 |
Net loans and leases to core deposits | 78.5004% | 2,005 |
Total domestic deposits to total assets | 80.6251% | 4,140 |
Equity capital to assets | 10.4163% | 2,472 |
Core capital (leverage) ratio | 10.4707% | 1,983 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $455,316,667 | 1,834 |
Average earning assets | $431,606,333 | 1,811 |
Average equity | $48,794,667 | 1,809 |
Average total loans | $288,496,667 | 1,792 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7087% | 2,338 |
Cost of funding earning assets | 0.3084% | 2,904 |
Net interest margin | 3.4002% | 2,109 |
Noninterest income to average assets | 0.5253% | 2,501 |
Noninterest expense to average assets | 2.0386% | 3,591 |
Loan and lease loss provision to assets | 0.4482% | 158 |
Net operating income to assets | 1.2703% | 1,920 |
Return on assets (ROA) | 1.2775% | 1,974 |
Pretax return on assets | 1.2775% | 2,634 |
Return on Equity (ROE) | 11.7457% | 2,113 |
Retained earnings to average equity (ytd only) | 4.3191% | 3,410 |
Net charge-offs to loans | 0.2306% | 369 |
Credit loss provision to net charge-offs | 295.8580% | 766 |
Earnings coverage of net charge-offs (x) | 11.3432% | 1,458 |
Efficiency ratio | 54.1637% | 3,766 |
Assets per employee ($millions) | 5.5574% | 3,061 |
Cash dividends to net income (ytd only)* | 63.2281% | 828 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1255% | 477 |
Loan loss allowance to noncurrent loans | 55.2477% | 3,915 |
Noncurrent assets plus other real estate owned to assets | 2.5747% | 149 |
Noncurrent loans to loans | 3.8473% | 149 |
Net loans and leases to total assets | 64.4668% | 1,985 |
Net loans and leases to deposits | 79.7368% | 1,546 |
Net loans and leases to core deposits | 89.8289% | 1,241 |
Total domestic deposits to total assets | 80.8495% | 4,088 |
Equity capital to assets | 10.5465% | 2,219 |
Core capital (leverage) ratio | 10.6853% | 1,940 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $446,196,500 | 1,855 |
Average earning assets | $424,089,500 | 1,828 |
Average equity | $48,528,500 | 1,801 |
Average total loans | $293,200,500 | 1,777 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4528% | 1,431 |
Cost of funding earning assets | 0.4425% | 3,331 |
Net interest margin | 4.0103% | 955 |
Noninterest income to average assets | 0.6035% | 2,207 |
Noninterest expense to average assets | 2.2466% | 3,551 |
Loan and lease loss provision to assets | 0.7123% | 221 |
Net operating income to assets | 1.4380% | 937 |
Return on assets (ROA) | 1.4380% | 1,024 |
Pretax return on assets | 1.4380% | 1,546 |
Return on Equity (ROE) | 12.4612% | 1,189 |
Retained earnings to average equity (ytd only) | 5.4964% | 2,043 |
Net charge-offs to loans | 0.3518% | 497 |
Credit loss provision to net charge-offs | 288.1306% | 1,781 |
Earnings coverage of net charge-offs (x) | 8.6983% | 2,578 |
Efficiency ratio | 50.7897% | 4,482 |
Assets per employee ($millions) | 5.0778% | 3,307 |
Cash dividends to net income (ytd only)* | 55.8919% | 1,545 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1136% | 482 |
Loan loss allowance to noncurrent loans | 49.3595% | 4,031 |
Noncurrent assets plus other real estate owned to assets | 2.8068% | 143 |
Noncurrent loans to loans | 4.2820% | 122 |
Net loans and leases to total assets | 64.1631% | 2,333 |
Net loans and leases to deposits | 81.0431% | 1,761 |
Net loans and leases to core deposits | 93.1381% | 1,295 |
Total domestic deposits to total assets | 79.1716% | 4,183 |
Equity capital to assets | 11.2199% | 2,084 |
Core capital (leverage) ratio | 10.8388% | 1,901 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $408,968,200 | 1,833 |
Average earning assets | $386,856,400 | 1,806 |
Average equity | $47,194,600 | 1,785 |
Average total loans | $287,412,600 | 1,735 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6085% | 1,279 |
Cost of funding earning assets | 0.4683% | 3,429 |
Net interest margin | 4.1402% | 826 |
Noninterest income to average assets | 0.5333% | 2,459 |
Noninterest expense to average assets | 2.2084% | 3,661 |
Loan and lease loss provision to assets | 0.7422% | 268 |
Net operating income to assets | 1.4914% | 928 |
Return on assets (ROA) | 1.4914% | 1,009 |
Pretax return on assets | 1.4914% | 1,466 |
Return on Equity (ROE) | 12.8269% | 1,162 |
Retained earnings to average equity (ytd only) | 5.4850% | 2,331 |
Net charge-offs to loans | 0.3383% | 459 |
Credit loss provision to net charge-offs | 306.5753% | 1,741 |
Earnings coverage of net charge-offs (x) | 9.2260% | 2,442 |
Efficiency ratio | 49.3505% | 4,536 |
Assets per employee ($millions) | 5.0293% | 3,214 |
Cash dividends to net income (ytd only)* | 57.2382% | 1,212 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8477% | 656 |
Loan loss allowance to noncurrent loans | 44.8774% | 4,106 |
Noncurrent assets plus other real estate owned to assets | 3.0447% | 145 |
Noncurrent loans to loans | 4.1173% | 156 |
Net loans and leases to total assets | 68.6539% | 2,156 |
Net loans and leases to deposits | 86.3190% | 1,659 |
Net loans and leases to core deposits | 97.8766% | 1,315 |
Total domestic deposits to total assets | 79.5352% | 3,955 |
Equity capital to assets | 10.9955% | 2,400 |
Core capital (leverage) ratio | 10.6488% | 2,144 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $402,038,500 | 1,836 |
Average earning assets | $379,554,000 | 1,813 |
Average equity | $46,744,250 | 1,785 |
Average total loans | $287,705,250 | 1,733 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9582% | 888 |
Cost of funding earning assets | 0.4977% | 3,546 |
Net interest margin | 4.4605% | 545 |
Noninterest income to average assets | 0.4864% | 2,625 |
Noninterest expense to average assets | 2.2004% | 3,785 |
Loan and lease loss provision to assets | 0.8011% | 306 |
Net operating income to assets | 1.6976% | 625 |
Return on assets (ROA) | 1.6976% | 679 |
Pretax return on assets | 1.6976% | 1,005 |
Return on Equity (ROE) | 14.3102% | 826 |
Retained earnings to average equity (ytd only) | 7.0773% | 1,624 |
Net charge-offs to loans | 0.5313% | 299 |
Credit loss provision to net charge-offs | 208.9572% | 1,879 |
Earnings coverage of net charge-offs (x) | 6.5174% | 2,431 |
Efficiency ratio | 46.4660% | 4,703 |
Assets per employee ($millions) | 5.1044% | 3,064 |
Cash dividends to net income (ytd only)* | 50.5435% | 1,540 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5942% | 1,022 |
Loan loss allowance to noncurrent loans | 38.5955% | 4,252 |
Noncurrent assets plus other real estate owned to assets | 3.0936% | 149 |
Noncurrent loans to loans | 4.1305% | 160 |
Net loans and leases to total assets | 69.7879% | 2,060 |
Net loans and leases to deposits | 88.1452% | 1,542 |
Net loans and leases to core deposits | 99.7863% | 1,270 |
Total domestic deposits to total assets | 79.1739% | 4,011 |
Equity capital to assets | 10.8787% | 2,441 |
Core capital (leverage) ratio | 10.8066% | 2,117 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $390,201,000 | 1,846 |
Average earning assets | $368,523,667 | 1,823 |
Average equity | $46,288,667 | 1,787 |
Average total loans | $281,590,000 | 1,742 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8263% | 1,355 |
Cost of funding earning assets | 0.5550% | 3,669 |
Net interest margin | 4.2713% | 805 |
Noninterest income to average assets | 0.5424% | 2,320 |
Noninterest expense to average assets | 2.2580% | 3,868 |
Loan and lease loss provision to assets | 0.3149% | 983 |
Net operating income to assets | 1.9923% | 272 |
Return on assets (ROA) | 1.9923% | 300 |
Pretax return on assets | 1.9923% | 452 |
Return on Equity (ROE) | 15.9981% | 426 |
Retained earnings to average equity (ytd only) | 10.8966% | 579 |
Net charge-offs to loans | 0.0225% | 1,915 |
Credit loss provision to net charge-offs | 1,920.0000% | 352 |
Earnings coverage of net charge-offs (x) | 140.6667% | 451 |
Efficiency ratio | 49.0778% | 4,709 |
Assets per employee ($millions) | 4.4706% | 3,305 |
Cash dividends to net income (ytd only)* | 31.8880% | 2,094 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6629% | 929 |
Loan loss allowance to noncurrent loans | 27.1816% | 4,437 |
Noncurrent assets plus other real estate owned to assets | 4.6142% | 81 |
Noncurrent loans to loans | 6.1177% | 79 |
Net loans and leases to total assets | 71.3022% | 2,037 |
Net loans and leases to deposits | 91.9030% | 1,292 |
Net loans and leases to core deposits | 107.0601% | 993 |
Total domestic deposits to total assets | 77.5843% | 4,285 |
Equity capital to assets | 12.5665% | 1,696 |
Core capital (leverage) ratio | 12.3804% | 1,518 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $365,813,000 | 1,903 |
Average earning assets | $344,529,500 | 1,874 |
Average equity | $45,555,500 | 1,802 |
Average total loans | $266,727,000 | 1,774 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8613% | 1,868 |
Cost of funding earning assets | 0.5071% | 4,058 |
Net interest margin | 4.3542% | 977 |
Noninterest income to average assets | 0.5694% | 2,373 |
Noninterest expense to average assets | 2.8610% | 2,406 |
Loan and lease loss provision to assets | 0.5244% | 242 |
Net operating income to assets | 1.2766% | 1,782 |
Return on assets (ROA) | 1.2766% | 1,859 |
Pretax return on assets | 1.2766% | 2,587 |
Return on Equity (ROE) | 10.6738% | 2,016 |
Retained earnings to average equity (ytd only) | 3.0070% | 3,524 |
Net charge-offs to loans | 0.7327% | 226 |
Credit loss provision to net charge-offs | 99.8954% | 2,506 |
Earnings coverage of net charge-offs (x) | 3.4310% | 3,325 |
Efficiency ratio | 60.7561% | 3,575 |
Assets per employee ($millions) | 4.3981% | 3,373 |
Cash dividends to net income (ytd only)* | 71.8280% | 1,062 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5494% | 1,087 |
Loan loss allowance to noncurrent loans | 26.1657% | 4,484 |
Noncurrent assets plus other real estate owned to assets | 4.5414% | 74 |
Noncurrent loans to loans | 5.9215% | 69 |
Net loans and leases to total assets | 72.1847% | 2,065 |
Net loans and leases to deposits | 91.5994% | 1,419 |
Net loans and leases to core deposits | 104.8288% | 1,176 |
Total domestic deposits to total assets | 78.8048% | 4,218 |
Equity capital to assets | 12.3395% | 1,928 |
Core capital (leverage) ratio | 11.9842% | 1,792 |
Tier 1 risk-based capital ratio | 15.0491% | 2,766 |
Total risk-based capital ratio | 16.3008% | 2,697 |
Memoranda: | ||
Average total assets | $364,239,400 | 1,864 |
Average earning assets | $342,360,000 | 1,839 |
Average equity | $43,564,600 | 1,802 |
Average total loans | $260,968,400 | 1,772 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8105% | 2,086 |
Cost of funding earning assets | 0.4929% | 4,170 |
Net interest margin | 4.3176% | 1,128 |
Noninterest income to average assets | 0.5787% | 2,315 |
Noninterest expense to average assets | 2.7707% | 2,649 |
Loan and lease loss provision to assets | 0.5164% | 231 |
Net operating income to assets | 1.3496% | 1,646 |
Return on assets (ROA) | 1.3496% | 1,716 |
Pretax return on assets | 1.3496% | 2,498 |
Return on Equity (ROE) | 11.3746% | 1,854 |
Retained earnings to average equity (ytd only) | 2.2348% | 4,189 |
Net charge-offs to loans | 0.7224% | 220 |
Credit loss provision to net charge-offs | 100.3559% | 2,240 |
Earnings coverage of net charge-offs (x) | 3.6263% | 3,084 |
Efficiency ratio | 59.1311% | 3,787 |
Assets per employee ($millions) | 4.4685% | 3,260 |
Cash dividends to net income (ytd only)* | 80.3528% | 651 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5391% | 1,141 |
Loan loss allowance to noncurrent loans | 24.4366% | 4,577 |
Noncurrent assets plus other real estate owned to assets | 4.7788% | 81 |
Noncurrent loans to loans | 6.2985% | 67 |
Net loans and leases to total assets | 71.6319% | 2,234 |
Net loans and leases to deposits | 90.8958% | 1,578 |
Net loans and leases to core deposits | 104.4070% | 1,302 |
Total domestic deposits to total assets | 78.8065% | 4,217 |
Equity capital to assets | 11.9478% | 2,300 |
Core capital (leverage) ratio | 12.0595% | 1,810 |
Tier 1 risk-based capital ratio | 14.8449% | 2,927 |
Total risk-based capital ratio | 16.0968% | 2,848 |
Memoranda: | ||
Average total assets | $364,039,250 | 1,884 |
Average earning assets | $342,157,500 | 1,857 |
Average equity | $43,194,750 | 1,821 |
Average total loans | $259,298,000 | 1,795 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7590% | 2,190 |
Cost of funding earning assets | 0.4780% | 4,214 |
Net interest margin | 4.2810% | 1,184 |
Noninterest income to average assets | 0.5523% | 2,377 |
Noninterest expense to average assets | 2.6554% | 3,041 |
Loan and lease loss provision to assets | 0.2350% | 684 |
Net operating income to assets | 1.6929% | 733 |
Return on assets (ROA) | 1.6929% | 760 |
Pretax return on assets | 1.6929% | 1,282 |
Return on Equity (ROE) | 14.3011% | 919 |
Retained earnings to average equity (ytd only) | 4.6938% | 2,924 |
Net charge-offs to loans | 1.0907% | 124 |
Credit loss provision to net charge-offs | 30.4659% | 2,598 |
Earnings coverage of net charge-offs (x) | 2.4996% | 2,937 |
Efficiency ratio | 57.3100% | 4,091 |
Assets per employee ($millions) | 4.3821% | 3,311 |
Cash dividends to net income (ytd only)* | 67.1783% | 1,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2254% | 2,383 |
Loan loss allowance to noncurrent loans | 27.7909% | 4,584 |
Noncurrent assets plus other real estate owned to assets | 3.1657% | 175 |
Noncurrent loans to loans | 4.4095% | 141 |
Net loans and leases to total assets | 70.4505% | 2,464 |
Net loans and leases to deposits | 89.5634% | 1,788 |
Net loans and leases to core deposits | 102.8147% | 1,485 |
Total domestic deposits to total assets | 78.6599% | 4,284 |
Equity capital to assets | 12.1843% | 2,059 |
Core capital (leverage) ratio | 12.2149% | 1,691 |
Tier 1 risk-based capital ratio | 15.6840% | 2,553 |
Total risk-based capital ratio | 16.8206% | 2,526 |
Memoranda: | ||
Average total assets | $361,756,330 | 1,898 |
Average earning assets | $340,621,330 | 1,865 |
Average equity | $42,822,000 | 1,838 |
Average total loans | $255,788,330 | 1,819 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7344% | 2,097 |
Cost of funding earning assets | 0.4493% | 4,289 |
Net interest margin | 4.2851% | 1,123 |
Noninterest income to average assets | 0.5100% | 2,492 |
Noninterest expense to average assets | 2.5922% | 3,237 |
Loan and lease loss provision to assets | 0.2217% | 701 |
Net operating income to assets | 1.7351% | 684 |
Return on assets (ROA) | 1.7351% | 704 |
Pretax return on assets | 1.7351% | 1,125 |
Return on Equity (ROE) | 14.8782% | 773 |
Retained earnings to average equity (ytd only) | 4.2971% | 3,205 |
Net charge-offs to loans | 2.1120% | 52 |
Credit loss provision to net charge-offs | 14.9142% | 2,164 |
Earnings coverage of net charge-offs (x) | 1.3162% | 2,608 |
Efficiency ratio | 56.3490% | 4,284 |
Assets per employee ($millions) | 4.4607% | 3,243 |
Cash dividends to net income (ytd only)* | 71.1182% | 1,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1967% | 2,600 |
Loan loss allowance to noncurrent loans | 26.2689% | 4,671 |
Noncurrent assets plus other real estate owned to assets | 3.1120% | 198 |
Noncurrent loans to loans | 4.5557% | 145 |
Net loans and leases to total assets | 67.0538% | 2,889 |
Net loans and leases to deposits | 86.3904% | 2,086 |
Net loans and leases to core deposits | 96.0372% | 1,924 |
Total domestic deposits to total assets | 77.6172% | 4,576 |
Equity capital to assets | 11.5163% | 2,382 |
Core capital (leverage) ratio | 12.0776% | 1,729 |
Tier 1 risk-based capital ratio | 15.7791% | 2,537 |
Total risk-based capital ratio | 16.8751% | 2,521 |
Memoranda: | ||
Average total assets | $360,777,000 | 1,914 |
Average earning assets | $340,064,000 | 1,881 |
Average equity | $42,075,000 | 1,853 |
Average total loans | $253,973,500 | 1,837 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8583% | 1,398 |
Cost of funding earning assets | 0.3730% | 4,140 |
Net interest margin | 4.4854% | 783 |
Noninterest income to average assets | 0.5527% | 2,534 |
Noninterest expense to average assets | 2.5136% | 3,573 |
Loan and lease loss provision to assets | 0.1331% | 1,639 |
Net operating income to assets | 2.1330% | 284 |
Return on assets (ROA) | 2.1111% | 287 |
Pretax return on assets | 2.1111% | 429 |
Return on Equity (ROE) | 18.7366% | 323 |
Retained earnings to average equity (ytd only) | 5.7961% | 2,294 |
Net charge-offs to loans | -0.0315% | 4,826 |
Credit loss provision to net charge-offs | -586.4198% | 4,662 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.6859% | 4,821 |
Assets per employee ($millions) | 4.2327% | 3,567 |
Cash dividends to net income (ytd only)* | 69.0653% | 1,120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6160% | 993 |
Loan loss allowance to noncurrent loans | 30.8539% | 4,629 |
Noncurrent assets plus other real estate owned to assets | 3.9150% | 124 |
Noncurrent loans to loans | 5.2376% | 101 |
Net loans and leases to total assets | 71.8821% | 2,276 |
Net loans and leases to deposits | 91.7041% | 1,587 |
Net loans and leases to core deposits | 102.4184% | 1,549 |
Total domestic deposits to total assets | 78.3849% | 4,426 |
Equity capital to assets | 11.8162% | 2,017 |
Core capital (leverage) ratio | 12.0275% | 1,719 |
Tier 1 risk-based capital ratio | 15.3918% | 2,665 |
Total risk-based capital ratio | 16.6448% | 2,586 |
Memoranda: | ||
Average total assets | $356,778,400 | 1,890 |
Average earning assets | $336,225,600 | 1,864 |
Average equity | $40,199,400 | 1,849 |
Average total loans | $257,139,400 | 1,792 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7500% | 1,546 |
Cost of funding earning assets | 0.3545% | 4,154 |
Net interest margin | 4.3955% | 906 |
Noninterest income to average assets | 0.5834% | 2,398 |
Noninterest expense to average assets | 2.4932% | 3,618 |
Loan and lease loss provision to assets | 0.1210% | 1,671 |
Net operating income to assets | 2.1145% | 301 |
Return on assets (ROA) | 2.1145% | 297 |
Pretax return on assets | 2.1145% | 470 |
Return on Equity (ROE) | 18.9940% | 338 |
Retained earnings to average equity (ytd only) | 5.3738% | 3,019 |
Net charge-offs to loans | 0.0658% | 1,887 |
Credit loss provision to net charge-offs | 255.9055% | 1,157 |
Earnings coverage of net charge-offs (x) | 47.2832% | 1,213 |
Efficiency ratio | 51.8186% | 4,826 |
Assets per employee ($millions) | 4.3295% | 3,386 |
Cash dividends to net income (ytd only)* | 71.7078% | 802 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4680% | 1,458 |
Loan loss allowance to noncurrent loans | 30.6709% | 4,734 |
Noncurrent assets plus other real estate owned to assets | 3.7008% | 147 |
Noncurrent loans to loans | 4.7863% | 134 |
Net loans and leases to total assets | 70.7893% | 2,532 |
Net loans and leases to deposits | 88.9488% | 2,026 |
Net loans and leases to core deposits | 98.8698% | 1,878 |
Total domestic deposits to total assets | 79.5843% | 4,202 |
Equity capital to assets | 11.0535% | 2,610 |
Core capital (leverage) ratio | 11.7851% | 1,925 |
Tier 1 risk-based capital ratio | 15.0526% | 2,861 |
Total risk-based capital ratio | 16.3038% | 2,783 |
Memoranda: | ||
Average total assets | $358,144,500 | 1,889 |
Average earning assets | $337,758,500 | 1,870 |
Average equity | $39,871,250 | 1,864 |
Average total loans | $257,254,250 | 1,803 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7627% | 1,346 |
Cost of funding earning assets | 0.3385% | 4,142 |
Net interest margin | 4.4243% | 806 |
Noninterest income to average assets | 0.5641% | 2,502 |
Noninterest expense to average assets | 2.4761% | 3,695 |
Loan and lease loss provision to assets | 0.0559% | 2,789 |
Net operating income to assets | 2.2049% | 256 |
Return on assets (ROA) | 2.2049% | 246 |
Pretax return on assets | 2.2049% | 386 |
Return on Equity (ROE) | 19.7589% | 282 |
Retained earnings to average equity (ytd only) | 5.7413% | 2,700 |
Net charge-offs to loans | 0.0942% | 1,408 |
Credit loss provision to net charge-offs | 82.6446% | 2,233 |
Earnings coverage of net charge-offs (x) | 33.4215% | 1,416 |
Efficiency ratio | 51.3514% | 4,945 |
Assets per employee ($millions) | 4.5704% | 3,011 |
Cash dividends to net income (ytd only)* | 70.9432% | 970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4002% | 1,740 |
Loan loss allowance to noncurrent loans | 42.8897% | 4,544 |
Noncurrent assets plus other real estate owned to assets | 2.6443% | 314 |
Noncurrent loans to loans | 3.2647% | 319 |
Net loans and leases to total assets | 71.4538% | 2,375 |
Net loans and leases to deposits | 90.0748% | 1,832 |
Net loans and leases to core deposits | 99.9622% | 1,742 |
Total domestic deposits to total assets | 79.3272% | 4,371 |
Equity capital to assets | 11.3358% | 2,324 |
Core capital (leverage) ratio | 11.7827% | 1,849 |
Tier 1 risk-based capital ratio | 15.1141% | 2,820 |
Total risk-based capital ratio | 16.3645% | 2,745 |
Memoranda: | ||
Average total assets | $357,742,330 | 1,902 |
Average earning assets | $337,412,330 | 1,881 |
Average equity | $39,921,330 | 1,862 |
Average total loans | $256,948,330 | 1,810 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6984% | 1,309 |
Cost of funding earning assets | 0.3347% | 4,107 |
Net interest margin | 4.3637% | 828 |
Noninterest income to average assets | 0.5179% | 2,698 |
Noninterest expense to average assets | 2.4311% | 3,860 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 2.2082% | 244 |
Return on assets (ROA) | 2.2082% | 243 |
Pretax return on assets | 2.2082% | 375 |
Return on Equity (ROE) | 19.9422% | 251 |
Retained earnings to average equity (ytd only) | 6.9412% | 2,304 |
Net charge-offs to loans | -0.1442% | 5,308 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.4702% | 4,999 |
Assets per employee ($millions) | 4.7032% | 2,849 |
Cash dividends to net income (ytd only)* | 65.1934% | 1,120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4224% | 1,754 |
Loan loss allowance to noncurrent loans | 50.2180% | 4,450 |
Noncurrent assets plus other real estate owned to assets | 2.3319% | 426 |
Noncurrent loans to loans | 2.8324% | 439 |
Net loans and leases to total assets | 70.5393% | 2,387 |
Net loans and leases to deposits | 89.3031% | 1,780 |
Net loans and leases to core deposits | 99.8304% | 1,703 |
Total domestic deposits to total assets | 78.9886% | 4,583 |
Equity capital to assets | 10.9442% | 2,639 |
Core capital (leverage) ratio | 11.4512% | 2,051 |
Tier 1 risk-based capital ratio | 14.6416% | 3,055 |
Total risk-based capital ratio | 15.8922% | 2,961 |
Memoranda: | ||
Average total assets | $360,653,000 | 1,894 |
Average earning assets | $340,624,500 | 1,868 |
Average equity | $39,935,500 | 1,872 |
Average total loans | $257,906,500 | 1,806 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7234% | 1,145 |
Cost of funding earning assets | 0.3446% | 3,761 |
Net interest margin | 4.3788% | 813 |
Noninterest income to average assets | 0.5164% | 2,901 |
Noninterest expense to average assets | 2.4614% | 3,908 |
Loan and lease loss provision to assets | 0.0575% | 3,080 |
Net operating income to assets | 2.1261% | 221 |
Return on assets (ROA) | 2.0594% | 257 |
Pretax return on assets | 2.0594% | 429 |
Return on Equity (ROE) | 18.7274% | 258 |
Retained earnings to average equity (ytd only) | 8.1243% | 721 |
Net charge-offs to loans | 0.2863% | 922 |
Credit loss provision to net charge-offs | 27.2851% | 3,557 |
Earnings coverage of net charge-offs (x) | 10.3602% | 2,685 |
Efficiency ratio | 51.8076% | 5,116 |
Assets per employee ($millions) | 4.6644% | 2,927 |
Cash dividends to net income (ytd only)* | 56.6183% | 1,931 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3998% | 1,770 |
Loan loss allowance to noncurrent loans | 82.4461% | 3,870 |
Noncurrent assets plus other real estate owned to assets | 1.5405% | 876 |
Noncurrent loans to loans | 1.6979% | 965 |
Net loans and leases to total assets | 70.4641% | 2,450 |
Net loans and leases to deposits | 89.5861% | 1,824 |
Net loans and leases to core deposits | 100.4760% | 1,676 |
Total domestic deposits to total assets | 78.6551% | 4,615 |
Equity capital to assets | 11.2031% | 2,426 |
Core capital (leverage) ratio | 11.3841% | 2,029 |
Tier 1 risk-based capital ratio | 14.9098% | 2,887 |
Total risk-based capital ratio | 16.1607% | 2,821 |
Memoranda: | ||
Average total assets | $347,768,000 | 1,929 |
Average earning assets | $327,897,800 | 1,899 |
Average equity | $38,243,400 | 1,920 |
Average total loans | $256,030,600 | 1,778 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7012% | 1,130 |
Cost of funding earning assets | 0.3445% | 3,726 |
Net interest margin | 4.3568% | 810 |
Noninterest income to average assets | 0.5184% | 2,909 |
Noninterest expense to average assets | 2.4453% | 3,900 |
Loan and lease loss provision to assets | 0.0773% | 2,530 |
Net operating income to assets | 2.1025% | 260 |
Return on assets (ROA) | 2.1025% | 268 |
Pretax return on assets | 2.1025% | 445 |
Return on Equity (ROE) | 19.2127% | 264 |
Retained earnings to average equity (ytd only) | 8.3294% | 1,082 |
Net charge-offs to loans | 0.0901% | 1,895 |
Credit loss provision to net charge-offs | 115.6069% | 2,069 |
Earnings coverage of net charge-offs (x) | 32.5955% | 1,477 |
Efficiency ratio | 51.7008% | 5,126 |
Assets per employee ($millions) | 4.2661% | 3,529 |
Cash dividends to net income (ytd only)* | 56.6465% | 1,479 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6183% | 1,196 |
Loan loss allowance to noncurrent loans | 83.2765% | 3,846 |
Noncurrent assets plus other real estate owned to assets | 1.7049% | 845 |
Noncurrent loans to loans | 1.9432% | 887 |
Net loans and leases to total assets | 71.3051% | 2,360 |
Net loans and leases to deposits | 88.6172% | 1,973 |
Net loans and leases to core deposits | 99.6519% | 1,732 |
Total domestic deposits to total assets | 80.4641% | 4,218 |
Equity capital to assets | 11.1179% | 2,747 |
Core capital (leverage) ratio | 11.1808% | 2,294 |
Tier 1 risk-based capital ratio | 14.5857% | 3,139 |
Total risk-based capital ratio | 15.8394% | 3,055 |
Memoranda: | ||
Average total assets | $344,920,250 | 1,949 |
Average earning assets | $325,125,750 | 1,929 |
Average equity | $37,745,000 | 1,955 |
Average total loans | $255,870,500 | 1,793 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6424% | 1,171 |
Cost of funding earning assets | 0.3401% | 3,688 |
Net interest margin | 4.3023% | 853 |
Noninterest income to average assets | 0.5283% | 2,840 |
Noninterest expense to average assets | 2.4261% | 3,976 |
Loan and lease loss provision to assets | 0.1170% | 1,759 |
Net operating income to assets | 2.0476% | 280 |
Return on assets (ROA) | 2.0476% | 289 |
Pretax return on assets | 2.0476% | 495 |
Return on Equity (ROE) | 18.8150% | 276 |
Retained earnings to average equity (ytd only) | 7.4346% | 1,382 |
Net charge-offs to loans | 0.1314% | 1,371 |
Credit loss provision to net charge-offs | 119.0476% | 1,791 |
Earnings coverage of net charge-offs (x) | 22.0238% | 1,726 |
Efficiency ratio | 51.7140% | 5,201 |
Assets per employee ($millions) | 4.6144% | 2,920 |
Cash dividends to net income (ytd only)* | 60.4857% | 1,472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6163% | 1,227 |
Loan loss allowance to noncurrent loans | 81.9921% | 3,909 |
Noncurrent assets plus other real estate owned to assets | 1.7208% | 821 |
Noncurrent loans to loans | 1.9713% | 857 |
Net loans and leases to total assets | 71.2139% | 2,332 |
Net loans and leases to deposits | 87.6170% | 2,034 |
Net loans and leases to core deposits | 99.6876% | 1,669 |
Total domestic deposits to total assets | 81.2786% | 4,111 |
Equity capital to assets | 10.8356% | 2,991 |
Core capital (leverage) ratio | 11.1194% | 2,298 |
Tier 1 risk-based capital ratio | 14.0315% | 3,417 |
Total risk-based capital ratio | 15.2849% | 3,325 |
Memoranda: | ||
Average total assets | $341,864,670 | 1,970 |
Average earning assets | $322,807,000 | 1,943 |
Average equity | $37,204,330 | 1,972 |
Average total loans | $255,615,670 | 1,788 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4756% | 1,436 |
Cost of funding earning assets | 0.3433% | 3,593 |
Net interest margin | 4.1323% | 1,142 |
Noninterest income to average assets | 0.5287% | 2,773 |
Noninterest expense to average assets | 2.4288% | 4,034 |
Loan and lease loss provision to assets | 0.1194% | 1,601 |
Net operating income to assets | 1.8882% | 374 |
Return on assets (ROA) | 1.8882% | 388 |
Pretax return on assets | 1.8882% | 655 |
Return on Equity (ROE) | 17.3102% | 389 |
Retained earnings to average equity (ytd only) | 2.8011% | 4,007 |
Net charge-offs to loans | 0.2370% | 759 |
Credit loss provision to net charge-offs | 66.2252% | 1,866 |
Earnings coverage of net charge-offs (x) | 11.1391% | 1,905 |
Efficiency ratio | 53.6454% | 5,164 |
Assets per employee ($millions) | 4.5574% | 3,084 |
Cash dividends to net income (ytd only)* | 83.8180% | 913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6021% | 1,377 |
Loan loss allowance to noncurrent loans | 62.7889% | 4,361 |
Noncurrent assets plus other real estate owned to assets | 2.0196% | 651 |
Noncurrent loans to loans | 2.5516% | 609 |
Net loans and leases to total assets | 74.2113% | 1,700 |
Net loans and leases to deposits | 91.7165% | 1,354 |
Net loans and leases to core deposits | 105.1090% | 1,157 |
Total domestic deposits to total assets | 80.9137% | 4,433 |
Equity capital to assets | 10.8792% | 2,766 |
Core capital (leverage) ratio | 11.1839% | 2,203 |
Tier 1 risk-based capital ratio | 13.8895% | 3,549 |
Total risk-based capital ratio | 15.1427% | 3,459 |
Memoranda: | ||
Average total assets | $335,142,000 | 2,018 |
Average earning assets | $316,919,500 | 1,985 |
Average equity | $36,556,500 | 2,004 |
Average total loans | $254,830,000 | 1,807 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7255% | 1,014 |
Cost of funding earning assets | 0.3354% | 3,689 |
Net interest margin | 4.3901% | 788 |
Noninterest income to average assets | 0.4999% | 3,237 |
Noninterest expense to average assets | 2.5089% | 3,979 |
Loan and lease loss provision to assets | 0.1895% | 1,239 |
Net operating income to assets | 1.9348% | 363 |
Return on assets (ROA) | 2.0974% | 273 |
Pretax return on assets | 2.0974% | 400 |
Return on Equity (ROE) | 18.7183% | 278 |
Retained earnings to average equity (ytd only) | 8.9928% | 595 |
Net charge-offs to loans | 0.2650% | 1,044 |
Credit loss provision to net charge-offs | 95.2381% | 2,692 |
Earnings coverage of net charge-offs (x) | 10.6778% | 2,620 |
Efficiency ratio | 52.7195% | 5,331 |
Assets per employee ($millions) | 4.5005% | 3,119 |
Cash dividends to net income (ytd only)* | 51.9572% | 2,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6161% | 1,333 |
Loan loss allowance to noncurrent loans | 68.6865% | 4,261 |
Noncurrent assets plus other real estate owned to assets | 2.0412% | 663 |
Noncurrent loans to loans | 2.3528% | 695 |
Net loans and leases to total assets | 75.4222% | 1,613 |
Net loans and leases to deposits | 94.6047% | 1,131 |
Net loans and leases to core deposits | 108.9084% | 966 |
Total domestic deposits to total assets | 79.7235% | 4,626 |
Equity capital to assets | 10.9367% | 2,677 |
Core capital (leverage) ratio | 11.2649% | 2,112 |
Tier 1 risk-based capital ratio | 13.6963% | 3,651 |
Total risk-based capital ratio | 14.9498% | 3,558 |
Memoranda: | ||
Average total assets | $316,674,800 | 2,078 |
Average earning assets | $298,150,800 | 2,055 |
Average equity | $35,484,000 | 2,053 |
Average total loans | $237,757,200 | 1,860 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7348% | 1,002 |
Cost of funding earning assets | 0.3270% | 3,807 |
Net interest margin | 4.4078% | 765 |
Noninterest income to average assets | 0.5055% | 3,216 |
Noninterest expense to average assets | 2.5076% | 3,966 |
Loan and lease loss provision to assets | 0.2559% | 729 |
Net operating income to assets | 1.8874% | 410 |
Return on assets (ROA) | 1.8917% | 428 |
Pretax return on assets | 1.8917% | 717 |
Return on Equity (ROE) | 16.7754% | 465 |
Retained earnings to average equity (ytd only) | 7.1981% | 1,531 |
Net charge-offs to loans | 0.2302% | 1,022 |
Credit loss provision to net charge-offs | 148.8834% | 1,785 |
Earnings coverage of net charge-offs (x) | 12.4690% | 2,386 |
Efficiency ratio | 52.4762% | 5,349 |
Assets per employee ($millions) | 4.3589% | 3,314 |
Cash dividends to net income (ytd only)* | 57.0914% | 1,550 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7350% | 1,136 |
Loan loss allowance to noncurrent loans | 67.3839% | 4,339 |
Noncurrent assets plus other real estate owned to assets | 2.0524% | 757 |
Noncurrent loans to loans | 2.5748% | 668 |
Net loans and leases to total assets | 76.4325% | 1,453 |
Net loans and leases to deposits | 96.9698% | 955 |
Net loans and leases to core deposits | 112.3667% | 790 |
Total domestic deposits to total assets | 78.8210% | 4,764 |
Equity capital to assets | 11.4036% | 2,598 |
Core capital (leverage) ratio | 11.1804% | 2,286 |
Tier 1 risk-based capital ratio | 13.3669% | 3,941 |
Total risk-based capital ratio | 14.6216% | 3,853 |
Memoranda: | ||
Average total assets | $312,584,500 | 2,104 |
Average earning assets | $293,986,500 | 2,087 |
Average equity | $35,249,250 | 2,076 |
Average total loans | $233,369,250 | 1,883 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6059% | 1,258 |
Cost of funding earning assets | 0.3075% | 4,045 |
Net interest margin | 4.2984% | 927 |
Noninterest income to average assets | 0.5225% | 3,051 |
Noninterest expense to average assets | 2.4969% | 4,038 |
Loan and lease loss provision to assets | 0.3880% | 398 |
Net operating income to assets | 1.6788% | 603 |
Return on assets (ROA) | 1.6853% | 632 |
Pretax return on assets | 1.6853% | 1,132 |
Return on Equity (ROE) | 15.0037% | 666 |
Retained earnings to average equity (ytd only) | 4.0762% | 3,310 |
Net charge-offs to loans | 0.3498% | 672 |
Credit loss provision to net charge-offs | 150.7538% | 1,581 |
Earnings coverage of net charge-offs (x) | 8.0302% | 2,558 |
Efficiency ratio | 53.2237% | 5,369 |
Assets per employee ($millions) | 4.2141% | 3,535 |
Cash dividends to net income (ytd only)* | 72.8319% | 1,092 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8548% | 973 |
Loan loss allowance to noncurrent loans | 82.4910% | 4,068 |
Noncurrent assets plus other real estate owned to assets | 1.7618% | 992 |
Noncurrent loans to loans | 2.2485% | 824 |
Net loans and leases to total assets | 73.9476% | 1,852 |
Net loans and leases to deposits | 95.4984% | 1,132 |
Net loans and leases to core deposits | 108.8870% | 989 |
Total domestic deposits to total assets | 77.4333% | 5,091 |
Equity capital to assets | 11.4682% | 2,577 |
Core capital (leverage) ratio | 11.1352% | 2,294 |
Tier 1 risk-based capital ratio | 13.8427% | 3,700 |
Total risk-based capital ratio | 15.0990% | 3,610 |
Memoranda: | ||
Average total assets | $309,261,000 | 2,127 |
Average earning assets | $290,759,330 | 2,108 |
Average equity | $34,738,000 | 2,103 |
Average total loans | $227,529,000 | 1,934 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6073% | 1,243 |
Cost of funding earning assets | 0.2858% | 4,319 |
Net interest margin | 4.3215% | 893 |
Noninterest income to average assets | 0.4910% | 3,188 |
Noninterest expense to average assets | 2.4470% | 4,233 |
Loan and lease loss provision to assets | 0.3896% | 362 |
Net operating income to assets | 1.7197% | 549 |
Return on assets (ROA) | 1.7326% | 566 |
Pretax return on assets | 1.7326% | 982 |
Return on Equity (ROE) | 15.5907% | 587 |
Retained earnings to average equity (ytd only) | 1.2038% | 4,768 |
Net charge-offs to loans | 0.0161% | 2,617 |
Credit loss provision to net charge-offs | 3,333.3333% | 125 |
Earnings coverage of net charge-offs (x) | 180.4444% | 337 |
Efficiency ratio | 52.2235% | 5,502 |
Assets per employee ($millions) | 4.3546% | 3,313 |
Cash dividends to net income (ytd only)* | 92.2789% | 804 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9470% | 900 |
Loan loss allowance to noncurrent loans | 54.3112% | 4,727 |
Noncurrent assets plus other real estate owned to assets | 2.7839% | 485 |
Noncurrent loans to loans | 3.5849% | 376 |
Net loans and leases to total assets | 72.4371% | 1,961 |
Net loans and leases to deposits | 95.5652% | 983 |
Net loans and leases to core deposits | 106.0367% | 1,074 |
Total domestic deposits to total assets | 75.7986% | 5,427 |
Equity capital to assets | 11.1451% | 2,778 |
Core capital (leverage) ratio | 10.9932% | 2,409 |
Tier 1 risk-based capital ratio | 14.0590% | 3,650 |
Total risk-based capital ratio | 15.3165% | 3,578 |
Memoranda: | ||
Average total assets | $307,969,000 | 2,143 |
Average earning assets | $289,714,000 | 2,130 |
Average equity | $34,225,500 | 2,129 |
Average total loans | $223,813,500 | 1,959 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3615% | 2,020 |
Cost of funding earning assets | 0.3566% | 3,631 |
Net interest margin | 4.0049% | 1,701 |
Noninterest income to average assets | 0.5522% | 2,998 |
Noninterest expense to average assets | 2.2081% | 5,035 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 2.1216% | 283 |
Return on assets (ROA) | 2.1216% | 288 |
Pretax return on assets | 2.1216% | 405 |
Return on Equity (ROE) | 20.4476% | 225 |
Retained earnings to average equity (ytd only) | 9.2118% | 604 |
Net charge-offs to loans | 0.0014% | 4,429 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 2,199.0000% | 16 |
Efficiency ratio | 49.1124% | 5,796 |
Assets per employee ($millions) | 4.2022% | 3,562 |
Cash dividends to net income (ytd only)* | 54.9492% | 2,017 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8958% | 966 |
Loan loss allowance to noncurrent loans | 71.4580% | 4,348 |
Noncurrent assets plus other real estate owned to assets | 1.9647% | 908 |
Noncurrent loans to loans | 2.6530% | 672 |
Net loans and leases to total assets | 70.1084% | 2,349 |
Net loans and leases to deposits | 92.3839% | 1,358 |
Net loans and leases to core deposits | 102.8020% | 1,311 |
Total domestic deposits to total assets | 75.8881% | 5,456 |
Equity capital to assets | 11.0812% | 2,741 |
Core capital (leverage) ratio | 10.8086% | 2,596 |
Tier 1 risk-based capital ratio | 14.3552% | 3,518 |
Total risk-based capital ratio | 15.6116% | 3,429 |
Memoranda: | ||
Average total assets | $310,944,000 | 2,088 |
Average earning assets | $293,294,200 | 2,057 |
Average equity | $32,263,000 | 2,185 |
Average total loans | $211,637,000 | 1,984 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3290% | 2,141 |
Cost of funding earning assets | 0.3694% | 3,550 |
Net interest margin | 3.9596% | 1,844 |
Noninterest income to average assets | 0.5560% | 3,016 |
Noninterest expense to average assets | 2.1680% | 5,131 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 2.1214% | 296 |
Return on assets (ROA) | 2.1214% | 312 |
Pretax return on assets | 2.1214% | 480 |
Return on Equity (ROE) | 20.7930% | 230 |
Retained earnings to average equity (ytd only) | 9.0519% | 880 |
Net charge-offs to loans | -0.0044% | 4,815 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.6500% | 5,841 |
Assets per employee ($millions) | 4.3909% | 3,176 |
Cash dividends to net income (ytd only)* | 56.4666% | 1,580 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8850% | 1,104 |
Loan loss allowance to noncurrent loans | 87.2095% | 3,985 |
Noncurrent assets plus other real estate owned to assets | 1.6394% | 1,343 |
Noncurrent loans to loans | 2.1615% | 1,032 |
Net loans and leases to total assets | 68.5878% | 2,593 |
Net loans and leases to deposits | 88.1556% | 1,881 |
Net loans and leases to core deposits | 99.9175% | 1,524 |
Total domestic deposits to total assets | 77.8031% | 5,220 |
Equity capital to assets | 10.5185% | 3,584 |
Core capital (leverage) ratio | 10.6277% | 2,897 |
Tier 1 risk-based capital ratio | 14.0238% | 3,831 |
Total risk-based capital ratio | 15.2802% | 3,773 |
Memoranda: | ||
Average total assets | $311,989,500 | 2,094 |
Average earning assets | $294,162,000 | 2,060 |
Average equity | $31,830,500 | 2,224 |
Average total loans | $209,740,750 | 2,007 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3222% | 2,105 |
Cost of funding earning assets | 0.3711% | 3,587 |
Net interest margin | 3.9511% | 1,802 |
Noninterest income to average assets | 0.5628% | 2,956 |
Noninterest expense to average assets | 2.1423% | 5,246 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 2.1429% | 285 |
Return on assets (ROA) | 2.1429% | 298 |
Pretax return on assets | 2.1429% | 458 |
Return on Equity (ROE) | 21.2272% | 225 |
Retained earnings to average equity (ytd only) | 8.5853% | 1,048 |
Net charge-offs to loans | -0.0126% | 5,000 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.0841% | 5,955 |
Assets per employee ($millions) | 4.8798% | 2,423 |
Cash dividends to net income (ytd only)* | 59.5553% | 1,547 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9785% | 1,018 |
Loan loss allowance to noncurrent loans | 95.5566% | 3,809 |
Noncurrent assets plus other real estate owned to assets | 1.6049% | 1,502 |
Noncurrent loans to loans | 2.0705% | 1,165 |
Net loans and leases to total assets | 67.2349% | 2,764 |
Net loans and leases to deposits | 86.5055% | 2,005 |
Net loans and leases to core deposits | 98.3513% | 1,624 |
Total domestic deposits to total assets | 77.7233% | 5,328 |
Equity capital to assets | 10.2646% | 3,730 |
Core capital (leverage) ratio | 10.3445% | 3,153 |
Tier 1 risk-based capital ratio | 14.0025% | 3,920 |
Total risk-based capital ratio | 15.2597% | 3,853 |
Memoranda: | ||
Average total assets | $310,603,330 | 2,119 |
Average earning assets | $292,628,000 | 2,089 |
Average equity | $31,356,000 | 2,257 |
Average total loans | $205,986,000 | 2,041 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2637% | 2,219 |
Cost of funding earning assets | 0.3561% | 3,792 |
Net interest margin | 3.9076% | 1,867 |
Noninterest income to average assets | 0.5830% | 2,749 |
Noninterest expense to average assets | 2.1051% | 5,370 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 2.1615% | 247 |
Return on assets (ROA) | 2.1615% | 264 |
Pretax return on assets | 2.1615% | 421 |
Return on Equity (ROE) | 21.5895% | 200 |
Retained earnings to average equity (ytd only) | 6.5267% | 2,224 |
Net charge-offs to loans | 0.0059% | 3,125 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 562.3333% | 95 |
Efficiency ratio | 47.4174% | 6,044 |
Assets per employee ($millions) | 4.9280% | 2,449 |
Cash dividends to net income (ytd only)* | 69.7688% | 1,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0611% | 976 |
Loan loss allowance to noncurrent loans | 111.1527% | 3,439 |
Noncurrent assets plus other real estate owned to assets | 1.3716% | 1,929 |
Noncurrent loans to loans | 1.8543% | 1,449 |
Net loans and leases to total assets | 62.6158% | 3,275 |
Net loans and leases to deposits | 81.3605% | 2,400 |
Net loans and leases to core deposits | 92.4027% | 1,913 |
Total domestic deposits to total assets | 76.9609% | 5,617 |
Equity capital to assets | 10.0815% | 4,046 |
Core capital (leverage) ratio | 9.9268% | 3,704 |
Tier 1 risk-based capital ratio | 14.0395% | 3,975 |
Total risk-based capital ratio | 15.2971% | 3,899 |
Memoranda: | ||
Average total assets | $312,192,500 | 2,124 |
Average earning assets | $294,301,000 | 2,089 |
Average equity | $31,256,000 | 2,275 |
Average total loans | $203,544,500 | 2,062 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2555% | 2,758 |
Cost of funding earning assets | 0.3412% | 4,353 |
Net interest margin | 3.9143% | 2,182 |
Noninterest income to average assets | 0.4951% | 3,550 |
Noninterest expense to average assets | 2.2565% | 5,222 |
Loan and lease loss provision to assets | 0.2878% | 724 |
Net operating income to assets | 1.6227% | 677 |
Return on assets (ROA) | 1.6289% | 697 |
Pretax return on assets | 1.6289% | 1,152 |
Return on Equity (ROE) | 17.8544% | 411 |
Retained earnings to average equity (ytd only) | 8.5522% | 813 |
Net charge-offs to loans | 0.0582% | 3,675 |
Credit loss provision to net charge-offs | 810.1852% | 337 |
Earnings coverage of net charge-offs (x) | 53.7778% | 873 |
Efficiency ratio | 54.1522% | 5,828 |
Assets per employee ($millions) | 4.8280% | 2,562 |
Cash dividends to net income (ytd only)* | 52.1002% | 2,157 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0243% | 1,061 |
Loan loss allowance to noncurrent loans | 110.4355% | 3,496 |
Noncurrent assets plus other real estate owned to assets | 1.4382% | 1,916 |
Noncurrent loans to loans | 1.8331% | 1,557 |
Net loans and leases to total assets | 65.1434% | 3,028 |
Net loans and leases to deposits | 84.1334% | 2,197 |
Net loans and leases to core deposits | 95.9492% | 1,728 |
Total domestic deposits to total assets | 77.4288% | 5,533 |
Equity capital to assets | 9.9406% | 4,189 |
Core capital (leverage) ratio | 9.7752% | 3,867 |
Tier 1 risk-based capital ratio | 14.2227% | 3,949 |
Total risk-based capital ratio | 15.4817% | 3,878 |
Memoranda: | ||
Average total assets | $304,005,600 | 2,140 |
Average earning assets | $285,187,000 | 2,091 |
Average equity | $27,735,400 | 2,425 |
Average total loans | $185,438,800 | 2,168 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1993% | 2,995 |
Cost of funding earning assets | 0.3448% | 4,395 |
Net interest margin | 3.8545% | 2,418 |
Noninterest income to average assets | 0.5214% | 3,398 |
Noninterest expense to average assets | 2.2649% | 5,193 |
Loan and lease loss provision to assets | 0.3193% | 587 |
Net operating income to assets | 1.5510% | 842 |
Return on assets (ROA) | 1.5594% | 863 |
Pretax return on assets | 1.5594% | 1,453 |
Return on Equity (ROE) | 17.4923% | 492 |
Retained earnings to average equity (ytd only) | 8.2003% | 1,266 |
Net charge-offs to loans | -0.0015% | 5,173 |
Credit loss provision to net charge-offs | -36,250.0000% | 6,094 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.7710% | 5,754 |
Assets per employee ($millions) | 5.0085% | 2,231 |
Cash dividends to net income (ytd only)* | 53.1206% | 1,689 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2057% | 937 |
Loan loss allowance to noncurrent loans | 105.5883% | 3,535 |
Noncurrent assets plus other real estate owned to assets | 1.4012% | 2,205 |
Noncurrent loans to loans | 2.0890% | 1,501 |
Net loans and leases to total assets | 58.8113% | 3,962 |
Net loans and leases to deposits | 77.4882% | 3,007 |
Net loans and leases to core deposits | 89.0828% | 2,315 |
Total domestic deposits to total assets | 75.8971% | 5,830 |
Equity capital to assets | 9.3702% | 4,955 |
Core capital (leverage) ratio | 9.5942% | 4,254 |
Tier 1 risk-based capital ratio | 15.0272% | 3,566 |
Total risk-based capital ratio | 16.2876% | 3,500 |
Memoranda: | ||
Average total assets | $302,758,250 | 2,155 |
Average earning assets | $283,851,000 | 2,114 |
Average equity | $26,990,250 | 2,491 |
Average total loans | $180,436,250 | 2,238 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2054% | 2,932 |
Cost of funding earning assets | 0.3446% | 4,487 |
Net interest margin | 3.8609% | 2,325 |
Noninterest income to average assets | 0.4904% | 3,549 |
Noninterest expense to average assets | 2.3034% | 5,138 |
Loan and lease loss provision to assets | 0.3831% | 448 |
Net operating income to assets | 1.4172% | 1,027 |
Return on assets (ROA) | 1.4299% | 1,040 |
Pretax return on assets | 1.4299% | 1,785 |
Return on Equity (ROE) | 16.3268% | 620 |
Retained earnings to average equity (ytd only) | 6.5125% | 2,027 |
Net charge-offs to loans | 0.0045% | 4,228 |
Credit loss provision to net charge-offs | 14,375.0000% | 26 |
Earnings coverage of net charge-offs (x) | 675.5000% | 103 |
Efficiency ratio | 56.1292% | 5,736 |
Assets per employee ($millions) | 4.6426% | 2,711 |
Cash dividends to net income (ytd only)* | 60.1118% | 1,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1000% | 1,174 |
Loan loss allowance to noncurrent loans | 100.7116% | 3,630 |
Noncurrent assets plus other real estate owned to assets | 1.4793% | 2,207 |
Noncurrent loans to loans | 2.0852% | 1,604 |
Net loans and leases to total assets | 61.2224% | 3,537 |
Net loans and leases to deposits | 76.7973% | 2,953 |
Net loans and leases to core deposits | 89.5861% | 2,163 |
Total domestic deposits to total assets | 79.7195% | 5,302 |
Equity capital to assets | 9.3572% | 4,906 |
Core capital (leverage) ratio | 9.5578% | 4,243 |
Tier 1 risk-based capital ratio | 14.3434% | 4,030 |
Total risk-based capital ratio | 15.6027% | 3,961 |
Memoranda: | ||
Average total assets | $300,168,670 | 2,174 |
Average earning assets | $280,922,000 | 2,135 |
Average equity | $26,288,000 | 2,544 |
Average total loans | $178,333,670 | 2,254 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0679% | 3,407 |
Cost of funding earning assets | 0.3466% | 4,570 |
Net interest margin | 3.7213% | 2,780 |
Noninterest income to average assets | 0.4703% | 3,627 |
Noninterest expense to average assets | 2.2915% | 5,213 |
Loan and lease loss provision to assets | 0.3674% | 464 |
Net operating income to assets | 1.2974% | 1,223 |
Return on assets (ROA) | 1.2974% | 1,267 |
Pretax return on assets | 1.2974% | 2,104 |
Return on Equity (ROE) | 15.3436% | 726 |
Retained earnings to average equity (ytd only) | 2.7179% | 4,456 |
Net charge-offs to loans | 0.0485% | 2,705 |
Credit loss provision to net charge-offs | 1,309.5238% | 250 |
Earnings coverage of net charge-offs (x) | 59.3333% | 662 |
Efficiency ratio | 57.9196% | 5,654 |
Assets per employee ($millions) | 4.6229% | 2,769 |
Cash dividends to net income (ytd only)* | 82.2863% | 924 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1116% | 1,301 |
Loan loss allowance to noncurrent loans | 93.7034% | 3,771 |
Noncurrent assets plus other real estate owned to assets | 1.5605% | 2,260 |
Noncurrent loans to loans | 2.2535% | 1,602 |
Net loans and leases to total assets | 56.2473% | 4,119 |
Net loans and leases to deposits | 69.7066% | 3,641 |
Net loans and leases to core deposits | 81.3838% | 2,808 |
Total domestic deposits to total assets | 80.6915% | 5,317 |
Equity capital to assets | 8.6762% | 5,459 |
Core capital (leverage) ratio | 9.3500% | 4,502 |
Tier 1 risk-based capital ratio | 14.9426% | 3,743 |
Total risk-based capital ratio | 16.2015% | 3,690 |
Memoranda: | ||
Average total assets | $299,369,500 | 2,182 |
Average earning assets | $280,437,500 | 2,143 |
Average equity | $25,313,500 | 2,623 |
Average total loans | $173,144,500 | 2,309 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1591% | 3,503 |
Cost of funding earning assets | 0.4563% | 4,056 |
Net interest margin | 3.7027% | 3,042 |
Noninterest income to average assets | 0.5783% | 3,221 |
Noninterest expense to average assets | 2.2626% | 5,473 |
Loan and lease loss provision to assets | 0.3766% | 818 |
Net operating income to assets | 1.4228% | 979 |
Return on assets (ROA) | 1.3366% | 1,206 |
Pretax return on assets | 1.3366% | 2,025 |
Return on Equity (ROE) | 13.6148% | 1,038 |
Retained earnings to average equity (ytd only) | 6.9481% | 1,455 |
Net charge-offs to loans | 0.4120% | 1,630 |
Credit loss provision to net charge-offs | 165.7459% | 1,376 |
Earnings coverage of net charge-offs (x) | 7.9190% | 2,762 |
Efficiency ratio | 54.9088% | 6,061 |
Assets per employee ($millions) | 4.7341% | 2,532 |
Cash dividends to net income (ytd only)* | 48.9668% | 2,323 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9536% | 1,665 |
Loan loss allowance to noncurrent loans | 100.2068% | 3,601 |
Noncurrent assets plus other real estate owned to assets | 1.4277% | 2,605 |
Noncurrent loans to loans | 1.9496% | 2,045 |
Net loans and leases to total assets | 57.0776% | 4,185 |
Net loans and leases to deposits | 70.8954% | 3,665 |
Net loans and leases to core deposits | 84.7315% | 2,585 |
Total domestic deposits to total assets | 80.5096% | 5,318 |
Equity capital to assets | 8.2334% | 5,839 |
Core capital (leverage) ratio | 9.3520% | 4,473 |
Tier 1 risk-based capital ratio | 14.9732% | 3,685 |
Total risk-based capital ratio | 16.2307% | 3,621 |
Memoranda: | ||
Average total assets | $238,972,600 | 2,628 |
Average earning assets | $224,833,200 | 2,570 |
Average equity | $23,459,800 | 2,777 |
Average total loans | $131,783,600 | 2,829 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0588% | 3,900 |
Cost of funding earning assets | 0.4853% | 3,909 |
Net interest margin | 3.5735% | 3,559 |
Noninterest income to average assets | 0.4009% | 4,531 |
Noninterest expense to average assets | 1.9849% | 6,040 |
Loan and lease loss provision to assets | 0.4015% | 749 |
Net operating income to assets | 1.3782% | 1,154 |
Return on assets (ROA) | 1.3782% | 1,196 |
Pretax return on assets | 1.3782% | 2,002 |
Return on Equity (ROE) | 13.3240% | 1,162 |
Retained earnings to average equity (ytd only) | 6.7108% | 2,024 |
Net charge-offs to loans | 0.6242% | 990 |
Credit loss provision to net charge-offs | 118.8380% | 1,980 |
Earnings coverage of net charge-offs (x) | 5.2676% | 3,237 |
Efficiency ratio | 52.7255% | 6,203 |
Assets per employee ($millions) | 5.5269% | 1,596 |
Cash dividends to net income (ytd only)* | 49.6332% | 1,881 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4540% | 983 |
Loan loss allowance to noncurrent loans | 137.3415% | 2,717 |
Noncurrent assets plus other real estate owned to assets | 1.1860% | 3,284 |
Noncurrent loans to loans | 1.7868% | 2,515 |
Net loans and leases to total assets | 53.7858% | 4,646 |
Net loans and leases to deposits | 74.4631% | 3,162 |
Net loans and leases to core deposits | 90.8009% | 1,889 |
Total domestic deposits to total assets | 72.2315% | 6,477 |
Equity capital to assets | 10.5562% | 3,208 |
Core capital (leverage) ratio | 12.5048% | 1,422 |
Tier 1 risk-based capital ratio | 19.1625% | 1,935 |
Total risk-based capital ratio | 20.4235% | 1,904 |
Memoranda: | ||
Average total assets | $224,153,250 | 2,795 |
Average earning assets | $210,995,250 | 2,725 |
Average equity | $23,185,750 | 2,824 |
Average total loans | $121,323,000 | 3,031 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0044% | 4,088 |
Cost of funding earning assets | 0.4964% | 3,934 |
Net interest margin | 3.5080% | 3,748 |
Noninterest income to average assets | 0.3964% | 4,552 |
Noninterest expense to average assets | 1.9703% | 6,094 |
Loan and lease loss provision to assets | 0.4063% | 760 |
Net operating income to assets | 1.3508% | 1,191 |
Return on assets (ROA) | 1.3508% | 1,277 |
Pretax return on assets | 1.3508% | 2,118 |
Return on Equity (ROE) | 13.1538% | 1,209 |
Retained earnings to average equity (ytd only) | 6.3043% | 2,259 |
Net charge-offs to loans | 0.9572% | 643 |
Credit loss provision to net charge-offs | 78.9474% | 2,651 |
Earnings coverage of net charge-offs (x) | 3.4140% | 3,392 |
Efficiency ratio | 52.8585% | 6,228 |
Assets per employee ($millions) | 4.9308% | 2,186 |
Cash dividends to net income (ytd only)* | 52.0722% | 1,777 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4223% | 1,068 |
Loan loss allowance to noncurrent loans | 127.4596% | 2,877 |
Noncurrent assets plus other real estate owned to assets | 1.1979% | 3,349 |
Noncurrent loans to loans | 1.9004% | 2,507 |
Net loans and leases to total assets | 52.9217% | 4,749 |
Net loans and leases to deposits | 69.7024% | 3,760 |
Net loans and leases to core deposits | 85.5034% | 2,384 |
Total domestic deposits to total assets | 75.9252% | 6,256 |
Equity capital to assets | 9.6346% | 4,407 |
Core capital (leverage) ratio | 10.5095% | 2,868 |
Tier 1 risk-based capital ratio | 18.0465% | 2,302 |
Total risk-based capital ratio | 19.3090% | 2,261 |
Memoranda: | ||
Average total assets | $221,494,330 | 2,821 |
Average earning assets | $210,316,330 | 2,739 |
Average equity | $22,746,330 | 2,895 |
Average total loans | $119,099,330 | 3,089 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9976% | 4,122 |
Cost of funding earning assets | 0.5002% | 4,084 |
Net interest margin | 3.4974% | 3,710 |
Noninterest income to average assets | 0.3832% | 4,595 |
Noninterest expense to average assets | 1.9214% | 6,247 |
Loan and lease loss provision to assets | 0.4067% | 753 |
Net operating income to assets | 1.3791% | 1,075 |
Return on assets (ROA) | 1.3791% | 1,164 |
Pretax return on assets | 1.3791% | 1,923 |
Return on Equity (ROE) | 13.0258% | 1,161 |
Retained earnings to average equity (ytd only) | 6.2653% | 2,531 |
Net charge-offs to loans | 0.2971% | 1,777 |
Credit loss provision to net charge-offs | 255.6818% | 910 |
Earnings coverage of net charge-offs (x) | 11.2273% | 1,674 |
Efficiency ratio | 51.8284% | 6,392 |
Assets per employee ($millions) | 5.2727% | 1,898 |
Cash dividends to net income (ytd only)* | 51.9004% | 1,520 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6706% | 944 |
Loan loss allowance to noncurrent loans | 99.7798% | 3,365 |
Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,108 |
Noncurrent loans to loans | 2.6765% | 1,914 |
Net loans and leases to total assets | 52.2018% | 4,679 |
Net loans and leases to deposits | 68.1130% | 3,764 |
Net loans and leases to core deposits | 83.1813% | 2,437 |
Total domestic deposits to total assets | 76.6401% | 6,294 |
Equity capital to assets | 10.5788% | 3,452 |
Core capital (leverage) ratio | 10.5748% | 2,680 |
Tier 1 risk-based capital ratio | 18.1918% | 2,287 |
Total risk-based capital ratio | 19.4574% | 2,251 |
Memoranda: | ||
Average total assets | $221,297,500 | 2,856 |
Average earning assets | $210,327,500 | 2,769 |
Average equity | $23,430,500 | 2,863 |
Average total loans | $118,478,000 | 3,114 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4933% | 3,416 |
Cost of funding earning assets | 0.5900% | 4,441 |
Net interest margin | 3.9033% | 2,812 |
Noninterest income to average assets | 0.3483% | 4,978 |
Noninterest expense to average assets | 2.0457% | 6,243 |
Loan and lease loss provision to assets | 0.5544% | 1,028 |
Net operating income to assets | 1.4345% | 1,037 |
Return on assets (ROA) | 1.4742% | 1,076 |
Pretax return on assets | 1.4742% | 1,764 |
Return on Equity (ROE) | 14.1260% | 972 |
Retained earnings to average equity (ytd only) | 5.7283% | 2,232 |
Net charge-offs to loans | 0.2552% | 3,412 |
Credit loss provision to net charge-offs | 400.0000% | 597 |
Earnings coverage of net charge-offs (x) | 14.3500% | 1,740 |
Efficiency ratio | 50.7042% | 6,542 |
Assets per employee ($millions) | 4.8075% | 2,481 |
Cash dividends to net income (ytd only)* | 59.4484% | 1,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5681% | 1,048 |
Loan loss allowance to noncurrent loans | 98.6350% | 3,358 |
Noncurrent assets plus other real estate owned to assets | 1.3914% | 3,313 |
Noncurrent loans to loans | 2.6036% | 2,033 |
Net loans and leases to total assets | 52.0690% | 4,917 |
Net loans and leases to deposits | 68.4437% | 3,909 |
Net loans and leases to core deposits | 83.5701% | 2,595 |
Total domestic deposits to total assets | 76.0757% | 6,344 |
Equity capital to assets | 10.5968% | 3,400 |
Core capital (leverage) ratio | 10.5470% | 2,710 |
Tier 1 risk-based capital ratio | 18.1414% | 2,207 |
Total risk-based capital ratio | 19.4055% | 2,170 |
Memoranda: | ||
Average total assets | $216,454,400 | 2,872 |
Average earning assets | $204,416,000 | 2,810 |
Average equity | $22,589,600 | 2,903 |
Average total loans | $117,551,000 | 3,134 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5906% | 3,244 |
Cost of funding earning assets | 0.6114% | 4,525 |
Net interest margin | 3.9792% | 2,580 |
Noninterest income to average assets | 0.3128% | 5,281 |
Noninterest expense to average assets | 2.0723% | 6,219 |
Loan and lease loss provision to assets | 0.5574% | 1,032 |
Net operating income to assets | 1.4356% | 1,152 |
Return on assets (ROA) | 1.4889% | 1,155 |
Pretax return on assets | 1.4889% | 1,924 |
Return on Equity (ROE) | 14.3229% | 1,043 |
Retained earnings to average equity (ytd only) | 5.1060% | 3,291 |
Net charge-offs to loans | 0.3419% | 2,742 |
Credit loss provision to net charge-offs | 299.0033% | 907 |
Earnings coverage of net charge-offs (x) | 10.6911% | 2,157 |
Efficiency ratio | 50.9750% | 6,521 |
Assets per employee ($millions) | 4.4938% | 2,922 |
Cash dividends to net income (ytd only)* | 64.3513% | 1,116 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4358% | 1,294 |
Loan loss allowance to noncurrent loans | 87.3203% | 3,613 |
Noncurrent assets plus other real estate owned to assets | 1.5285% | 3,285 |
Noncurrent loans to loans | 2.7895% | 2,018 |
Net loans and leases to total assets | 50.7694% | 5,217 |
Net loans and leases to deposits | 66.9303% | 4,352 |
Net loans and leases to core deposits | 83.2896% | 2,778 |
Total domestic deposits to total assets | 75.8541% | 6,399 |
Equity capital to assets | 10.6198% | 3,705 |
Core capital (leverage) ratio | 10.4303% | 2,997 |
Tier 1 risk-based capital ratio | 18.3883% | 2,201 |
Total risk-based capital ratio | 19.6503% | 2,175 |
Memoranda: | ||
Average total assets | $215,282,250 | 2,915 |
Average earning assets | $203,018,250 | 2,840 |
Average equity | $22,378,500 | 2,959 |
Average total loans | $117,393,250 | 3,172 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7459% | 2,734 |
Cost of funding earning assets | 0.6356% | 4,564 |
Net interest margin | 4.1103% | 2,046 |
Noninterest income to average assets | 0.2965% | 5,433 |
Noninterest expense to average assets | 2.0991% | 6,232 |
Loan and lease loss provision to assets | 0.5578% | 1,097 |
Net operating income to assets | 1.5050% | 983 |
Return on assets (ROA) | 1.5850% | 963 |
Pretax return on assets | 1.5850% | 1,585 |
Return on Equity (ROE) | 15.3587% | 873 |
Retained earnings to average equity (ytd only) | 5.1796% | 3,168 |
Net charge-offs to loans | 0.1007% | 4,159 |
Credit loss provision to net charge-offs | 1,000.0000% | 319 |
Earnings coverage of net charge-offs (x) | 36.9833% | 930 |
Efficiency ratio | 50.4356% | 6,612 |
Assets per employee ($millions) | 4.6538% | 2,632 |
Cash dividends to net income (ytd only)* | 66.2757% | 1,188 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2529% | 1,670 |
Loan loss allowance to noncurrent loans | 92.1778% | 3,419 |
Noncurrent assets plus other real estate owned to assets | 1.7970% | 3,043 |
Noncurrent loans to loans | 2.4441% | 2,455 |
Net loans and leases to total assets | 54.2144% | 4,761 |
Net loans and leases to deposits | 71.9104% | 3,626 |
Net loans and leases to core deposits | 88.8837% | 2,112 |
Total domestic deposits to total assets | 75.3917% | 6,544 |
Equity capital to assets | 10.7047% | 3,450 |
Core capital (leverage) ratio | 10.3215% | 3,021 |
Tier 1 risk-based capital ratio | 18.0478% | 2,274 |
Total risk-based capital ratio | 19.3095% | 2,243 |
Memoranda: | ||
Average total assets | $215,142,670 | 2,927 |
Average earning assets | $202,320,000 | 2,852 |
Average equity | $22,202,330 | 2,964 |
Average total loans | $119,109,670 | 3,154 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8134% | 2,577 |
Cost of funding earning assets | 0.6599% | 4,637 |
Net interest margin | 4.1535% | 1,924 |
Noninterest income to average assets | 0.3839% | 4,796 |
Noninterest expense to average assets | 2.0772% | 6,317 |
Loan and lease loss provision to assets | 0.5564% | 1,044 |
Net operating income to assets | 1.6376% | 812 |
Return on assets (ROA) | 1.6376% | 907 |
Pretax return on assets | 1.6376% | 1,460 |
Return on Equity (ROE) | 16.1681% | 780 |
Retained earnings to average equity (ytd only) | 3.5888% | 4,422 |
Net charge-offs to loans | 0.1945% | 2,953 |
Credit loss provision to net charge-offs | 517.2414% | 635 |
Earnings coverage of net charge-offs (x) | 20.3966% | 1,191 |
Efficiency ratio | 48.6322% | 6,761 |
Assets per employee ($millions) | 4.4285% | 3,133 |
Cash dividends to net income (ytd only)* | 77.8029% | 839 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9969% | 2,365 |
Loan loss allowance to noncurrent loans | 179.6674% | 1,831 |
Noncurrent assets plus other real estate owned to assets | 1.0922% | 4,308 |
Noncurrent loans to loans | 1.1115% | 4,472 |
Net loans and leases to total assets | 53.7586% | 4,761 |
Net loans and leases to deposits | 70.2860% | 3,694 |
Net loans and leases to core deposits | 87.8645% | 2,068 |
Total domestic deposits to total assets | 76.4855% | 6,490 |
Equity capital to assets | 9.9383% | 4,205 |
Core capital (leverage) ratio | 10.1343% | 3,196 |
Tier 1 risk-based capital ratio | 17.1649% | 2,616 |
Total risk-based capital ratio | 18.4227% | 2,576 |
Memoranda: | ||
Average total assets | $215,677,000 | 2,937 |
Average earning assets | $201,852,000 | 2,876 |
Average equity | $21,845,500 | 2,994 |
Average total loans | $119,297,500 | 3,168 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0339% | 2,740 |
Cost of funding earning assets | 0.7863% | 4,965 |
Net interest margin | 4.2476% | 1,895 |
Noninterest income to average assets | 0.3621% | 4,920 |
Noninterest expense to average assets | 2.0838% | 6,522 |
Loan and lease loss provision to assets | 0.4765% | 2,219 |
Net operating income to assets | 1.7840% | 472 |
Return on assets (ROA) | 2.0137% | 324 |
Pretax return on assets | 2.0137% | 520 |
Return on Equity (ROE) | 20.7619% | 234 |
Retained earnings to average equity (ytd only) | 12.0612% | 299 |
Net charge-offs to loans | 0.9016% | 1,925 |
Credit loss provision to net charge-offs | 91.0747% | 3,963 |
Earnings coverage of net charge-offs (x) | 4.3206% | 3,166 |
Efficiency ratio | 47.9653% | 6,950 |
Assets per employee ($millions) | 4.3746% | 3,107 |
Cash dividends to net income (ytd only)* | 41.9072% | 2,471 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7857% | 2,913 |
Loan loss allowance to noncurrent loans | 163.2263% | 1,968 |
Noncurrent assets plus other real estate owned to assets | 1.0986% | 4,422 |
Noncurrent loans to loans | 1.0940% | 4,525 |
Net loans and leases to total assets | 54.7818% | 4,913 |
Net loans and leases to deposits | 70.8580% | 3,973 |
Net loans and leases to core deposits | 89.8530% | 2,148 |
Total domestic deposits to total assets | 77.3120% | 6,296 |
Equity capital to assets | 10.3216% | 3,754 |
Core capital (leverage) ratio | 10.1942% | 3,089 |
Tier 1 risk-based capital ratio | 17.1737% | 2,524 |
Total risk-based capital ratio | 18.4292% | 2,482 |
Memoranda: | ||
Average total assets | $209,861,600 | 2,946 |
Average earning assets | $196,748,000 | 2,894 |
Average equity | $20,354,600 | 3,087 |
Average total loans | $121,785,200 | 3,142 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0654% | 2,776 |
Cost of funding earning assets | 0.8252% | 4,976 |
Net interest margin | 4.2402% | 1,946 |
Noninterest income to average assets | 0.4005% | 4,664 |
Noninterest expense to average assets | 2.1117% | 6,485 |
Loan and lease loss provision to assets | 0.4471% | 2,236 |
Net operating income to assets | 1.8262% | 494 |
Return on assets (ROA) | 1.8262% | 536 |
Pretax return on assets | 1.8262% | 908 |
Return on Equity (ROE) | 19.1437% | 373 |
Retained earnings to average equity (ytd only) | 10.5127% | 726 |
Net charge-offs to loans | 0.0349% | 5,660 |
Credit loss provision to net charge-offs | 2,187.5000% | 125 |
Earnings coverage of net charge-offs (x) | 111.2072% | 323 |
Efficiency ratio | 48.1573% | 6,954 |
Assets per employee ($millions) | 4.3393% | 3,197 |
Cash dividends to net income (ytd only)* | 45.0857% | 1,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3947% | 1,540 |
Loan loss allowance to noncurrent loans | 122.5084% | 2,456 |
Noncurrent assets plus other real estate owned to assets | 2.1959% | 2,897 |
Noncurrent loans to loans | 1.9548% | 3,420 |
Net loans and leases to total assets | 55.6089% | 4,901 |
Net loans and leases to deposits | 71.2850% | 4,097 |
Net loans and leases to core deposits | 90.8343% | 2,144 |
Total domestic deposits to total assets | 78.0093% | 6,192 |
Equity capital to assets | 10.1935% | 4,093 |
Core capital (leverage) ratio | 10.0067% | 3,434 |
Tier 1 risk-based capital ratio | 16.3960% | 2,915 |
Total risk-based capital ratio | 17.6585% | 2,876 |
Memoranda: | ||
Average total assets | $208,738,000 | 2,974 |
Average earning assets | $196,149,500 | 2,914 |
Average equity | $19,912,000 | 3,157 |
Average total loans | $122,340,750 | 3,158 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1292% | 2,549 |
Cost of funding earning assets | 0.8867% | 4,780 |
Net interest margin | 4.2425% | 1,871 |
Noninterest income to average assets | 0.3972% | 4,703 |
Noninterest expense to average assets | 2.1654% | 6,472 |
Loan and lease loss provision to assets | 0.3856% | 2,485 |
Net operating income to assets | 1.8318% | 470 |
Return on assets (ROA) | 1.8318% | 502 |
Pretax return on assets | 1.8318% | 825 |
Return on Equity (ROE) | 19.6640% | 334 |
Retained earnings to average equity (ytd only) | 10.9808% | 669 |
Net charge-offs to loans | 0.0554% | 5,095 |
Credit loss provision to net charge-offs | 1,176.4706% | 291 |
Earnings coverage of net charge-offs (x) | 67.6471% | 489 |
Efficiency ratio | 49.4061% | 6,978 |
Assets per employee ($millions) | 4.4385% | 2,947 |
Cash dividends to net income (ytd only)* | 44.1579% | 1,902 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1186% | 2,078 |
Loan loss allowance to noncurrent loans | 118.1901% | 2,472 |
Noncurrent assets plus other real estate owned to assets | 2.4479% | 2,718 |
Noncurrent loans to loans | 1.7925% | 3,766 |
Net loans and leases to total assets | 58.8130% | 4,496 |
Net loans and leases to deposits | 75.6456% | 3,537 |
Net loans and leases to core deposits | 96.9098% | 1,592 |
Total domestic deposits to total assets | 77.7481% | 6,337 |
Equity capital to assets | 10.1675% | 3,921 |
Core capital (leverage) ratio | 9.8847% | 3,404 |
Tier 1 risk-based capital ratio | 15.7910% | 3,084 |
Total risk-based capital ratio | 17.0508% | 3,060 |
Memoranda: | ||
Average total assets | $207,442,000 | 3,002 |
Average earning assets | $194,884,330 | 2,940 |
Average equity | $19,324,670 | 3,227 |
Average total loans | $122,741,000 | 3,177 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1513% | 2,431 |
Cost of funding earning assets | 0.9013% | 4,913 |
Net interest margin | 4.2500% | 1,743 |
Noninterest income to average assets | 0.4228% | 4,514 |
Noninterest expense to average assets | 2.2135% | 6,391 |
Loan and lease loss provision to assets | 0.2870% | 2,852 |
Net operating income to assets | 1.9189% | 392 |
Return on assets (ROA) | 1.9189% | 414 |
Pretax return on assets | 1.9189% | 652 |
Return on Equity (ROE) | 21.5612% | 265 |
Retained earnings to average equity (ytd only) | 14.3168% | 449 |
Net charge-offs to loans | 0.0749% | 4,190 |
Credit loss provision to net charge-offs | 652.1739% | 577 |
Earnings coverage of net charge-offs (x) | 50.1304% | 574 |
Efficiency ratio | 50.0866% | 6,978 |
Assets per employee ($millions) | 4.3478% | 3,136 |
Cash dividends to net income (ytd only)* | 33.5992% | 1,905 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9490% | 2,546 |
Loan loss allowance to noncurrent loans | 104.1961% | 2,761 |
Noncurrent assets plus other real estate owned to assets | 2.4529% | 2,774 |
Noncurrent loans to loans | 1.8705% | 3,731 |
Net loans and leases to total assets | 56.8680% | 4,830 |
Net loans and leases to deposits | 72.2599% | 4,032 |
Net loans and leases to core deposits | 95.3643% | 1,733 |
Total domestic deposits to total assets | 78.6992% | 6,259 |
Equity capital to assets | 8.9826% | 5,225 |
Core capital (leverage) ratio | 9.5210% | 3,775 |
Tier 1 risk-based capital ratio | 15.5154% | 3,159 |
Total risk-based capital ratio | 16.7730% | 3,101 |
Memoranda: | ||
Average total assets | $209,077,500 | 2,997 |
Average earning assets | $196,611,000 | 2,925 |
Average equity | $18,607,500 | 3,307 |
Average total loans | $122,772,500 | 3,199 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2990% | 3,133 |
Cost of funding earning assets | 1.0084% | 5,650 |
Net interest margin | 4.2906% | 1,852 |
Noninterest income to average assets | 0.3900% | 4,979 |
Noninterest expense to average assets | 2.2456% | 6,492 |
Loan and lease loss provision to assets | 0.5213% | 3,068 |
Net operating income to assets | 1.6741% | 545 |
Return on assets (ROA) | 1.6741% | 587 |
Pretax return on assets | 1.6741% | 989 |
Return on Equity (ROE) | 18.2822% | 359 |
Retained earnings to average equity (ytd only) | 8.0616% | 964 |
Net charge-offs to loans | 0.3618% | 4,209 |
Credit loss provision to net charge-offs | 232.9670% | 1,261 |
Earnings coverage of net charge-offs (x) | 9.8110% | 1,778 |
Efficiency ratio | 50.5648% | 7,083 |
Assets per employee ($millions) | 4.5535% | 2,779 |
Cash dividends to net income (ytd only)* | 55.9048% | 1,810 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7927% | 2,884 |
Loan loss allowance to noncurrent loans | 59.6632% | 4,450 |
Noncurrent assets plus other real estate owned to assets | 2.8640% | 2,443 |
Noncurrent loans to loans | 3.0047% | 2,547 |
Net loans and leases to total assets | 58.3755% | 4,970 |
Net loans and leases to deposits | 75.3500% | 3,950 |
Net loans and leases to core deposits | 101.0612% | 1,532 |
Total domestic deposits to total assets | 77.4724% | 6,405 |
Equity capital to assets | 8.8173% | 5,405 |
Core capital (leverage) ratio | 9.1030% | 4,355 |
Tier 1 risk-based capital ratio | 14.7178% | 3,415 |
Total risk-based capital ratio | 15.9738% | 3,373 |
Memoranda: | ||
Average total assets | $203,329,200 | 3,063 |
Average earning assets | $191,978,600 | 2,974 |
Average equity | $18,619,200 | 3,330 |
Average total loans | $125,746,000 | 3,203 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3693% | 3,034 |
Cost of funding earning assets | 1.0357% | 5,772 |
Net interest margin | 4.3336% | 1,736 |
Noninterest income to average assets | 0.3839% | 5,084 |
Noninterest expense to average assets | 2.2385% | 6,498 |
Loan and lease loss provision to assets | 0.4361% | 3,293 |
Net operating income to assets | 1.8038% | 498 |
Return on assets (ROA) | 1.8038% | 543 |
Pretax return on assets | 1.8038% | 918 |
Return on Equity (ROE) | 19.5099% | 342 |
Retained earnings to average equity (ytd only) | 8.8831% | 1,090 |
Net charge-offs to loans | 0.0476% | 6,049 |
Credit loss provision to net charge-offs | 1,466.6667% | 209 |
Earnings coverage of net charge-offs (x) | 75.3315% | 402 |
Efficiency ratio | 49.9852% | 7,154 |
Assets per employee ($millions) | 4.7763% | 2,483 |
Cash dividends to net income (ytd only)* | 54.4689% | 1,452 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8240% | 2,707 |
Loan loss allowance to noncurrent loans | 43.6102% | 5,367 |
Noncurrent assets plus other real estate owned to assets | 3.0377% | 2,390 |
Noncurrent loans to loans | 4.1825% | 1,751 |
Net loans and leases to total assets | 57.4203% | 5,347 |
Net loans and leases to deposits | 73.4760% | 4,595 |
Net loans and leases to core deposits | 97.3162% | 2,112 |
Total domestic deposits to total assets | 78.1484% | 6,231 |
Equity capital to assets | 9.4885% | 4,862 |
Core capital (leverage) ratio | 9.2674% | 4,253 |
Tier 1 risk-based capital ratio | 14.9896% | 3,257 |
Total risk-based capital ratio | 16.2458% | 3,240 |
Memoranda: | ||
Average total assets | $201,795,750 | 3,115 |
Average earning assets | $190,660,500 | 3,031 |
Average equity | $18,656,750 | 3,367 |
Average total loans | $126,055,750 | 3,248 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5556% | 2,312 |
Cost of funding earning assets | 1.0915% | 5,721 |
Net interest margin | 4.4641% | 1,280 |
Noninterest income to average assets | 0.4090% | 4,832 |
Noninterest expense to average assets | 2.2713% | 6,433 |
Loan and lease loss provision to assets | 0.4422% | 3,111 |
Net operating income to assets | 1.9125% | 386 |
Return on assets (ROA) | 1.9125% | 427 |
Pretax return on assets | 1.9125% | 721 |
Return on Equity (ROE) | 20.8792% | 265 |
Retained earnings to average equity (ytd only) | 9.7868% | 895 |
Net charge-offs to loans | 0.0016% | 6,364 |
Credit loss provision to net charge-offs | 44,000.0000% | 5 |
Earnings coverage of net charge-offs (x) | 2,343.0000% | 2 |
Efficiency ratio | 49.0984% | 7,279 |
Assets per employee ($millions) | 4.4122% | 3,034 |
Cash dividends to net income (ytd only)* | 53.1266% | 1,556 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6657% | 3,206 |
Loan loss allowance to noncurrent loans | 55.0640% | 4,636 |
Noncurrent assets plus other real estate owned to assets | 2.3655% | 3,047 |
Noncurrent loans to loans | 3.0251% | 2,661 |
Net loans and leases to total assets | 60.0920% | 5,041 |
Net loans and leases to deposits | 77.9996% | 3,963 |
Net loans and leases to core deposits | 103.4821% | 1,685 |
Total domestic deposits to total assets | 77.0415% | 6,499 |
Equity capital to assets | 9.4328% | 4,814 |
Core capital (leverage) ratio | 9.1590% | 4,362 |
Tier 1 risk-based capital ratio | 14.8280% | 3,250 |
Total risk-based capital ratio | 16.0831% | 3,222 |
Memoranda: | ||
Average total assets | $199,008,000 | 3,179 |
Average earning assets | $187,990,330 | 3,094 |
Average equity | $18,228,670 | 3,429 |
Average total loans | $127,102,330 | 3,257 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7974% | 1,469 |
Cost of funding earning assets | 1.1041% | 5,889 |
Net interest margin | 4.6933% | 790 |
Noninterest income to average assets | 0.3999% | 4,919 |
Noninterest expense to average assets | 2.2738% | 6,469 |
Loan and lease loss provision to assets | 0.6090% | 2,090 |
Net operating income to assets | 1.9530% | 377 |
Return on assets (ROA) | 1.9530% | 408 |
Pretax return on assets | 1.9530% | 665 |
Return on Equity (ROE) | 21.6539% | 289 |
Retained earnings to average equity (ytd only) | 9.7690% | 1,191 |
Net charge-offs to loans | -0.0218% | 7,094 |
Credit loss provision to net charge-offs | -4,285.7143% | 6,628 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.0193% | 7,499 |
Assets per employee ($millions) | 4.2418% | 3,391 |
Cash dividends to net income (ytd only)* | 54.8857% | 1,365 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5146% | 3,834 |
Loan loss allowance to noncurrent loans | 49.0241% | 5,062 |
Noncurrent assets plus other real estate owned to assets | 2.2246% | 3,243 |
Noncurrent loans to loans | 3.0896% | 2,591 |
Net loans and leases to total assets | 63.0773% | 4,520 |
Net loans and leases to deposits | 81.8599% | 3,304 |
Net loans and leases to core deposits | 109.6335% | 1,306 |
Total domestic deposits to total assets | 77.0552% | 6,550 |
Equity capital to assets | 9.1024% | 5,129 |
Core capital (leverage) ratio | 9.2572% | 4,122 |
Tier 1 risk-based capital ratio | 14.2134% | 3,528 |
Total risk-based capital ratio | 15.4665% | 3,499 |
Memoranda: | ||
Average total assets | $197,031,000 | 3,256 |
Average earning assets | $186,221,500 | 3,173 |
Average equity | $17,770,500 | 3,527 |
Average total loans | $128,638,500 | 3,283 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7897% | 2,700 |
Cost of funding earning assets | 1.4407% | 5,764 |
Net interest margin | 4.3490% | 1,577 |
Noninterest income to average assets | 0.4387% | 4,893 |
Noninterest expense to average assets | 2.3687% | 6,554 |
Loan and lease loss provision to assets | 0.6085% | 3,364 |
Net operating income to assets | 1.5685% | 586 |
Return on assets (ROA) | 1.6360% | 531 |
Pretax return on assets | 1.6360% | 891 |
Return on Equity (ROE) | 22.6173% | 144 |
Retained earnings to average equity (ytd only) | 2.9236% | 3,123 |
Net charge-offs to loans | 0.4047% | 4,203 |
Credit loss provision to net charge-offs | 230.7692% | 1,588 |
Earnings coverage of net charge-offs (x) | 8.2558% | 1,969 |
Efficiency ratio | 52.1084% | 7,374 |
Assets per employee ($millions) | 4.2325% | 3,373 |
Cash dividends to net income (ytd only)* | 87.0738% | 940 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2555% | 5,018 |
Loan loss allowance to noncurrent loans | 56.0069% | 4,636 |
Noncurrent assets plus other real estate owned to assets | 1.7437% | 3,753 |
Noncurrent loans to loans | 2.2417% | 3,349 |
Net loans and leases to total assets | 65.7237% | 4,229 |
Net loans and leases to deposits | 85.7890% | 2,949 |
Net loans and leases to core deposits | 134.4534% | 1,028 |
Total domestic deposits to total assets | 76.6108% | 6,565 |
Equity capital to assets | 8.9339% | 5,242 |
Core capital (leverage) ratio | 8.6321% | 5,047 |
Tier 1 risk-based capital ratio | 13.3227% | 3,932 |
Total risk-based capital ratio | 14.5503% | 3,887 |
Memoranda: | ||
Average total assets | $197,193,800 | 3,213 |
Average earning assets | $186,226,600 | 3,142 |
Average equity | $14,263,400 | 4,197 |
Average total loans | $128,491,400 | 3,297 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7119% | 3,285 |
Cost of funding earning assets | 1.4919% | 5,856 |
Net interest margin | 4.2201% | 1,973 |
Noninterest income to average assets | 0.4388% | 4,968 |
Noninterest expense to average assets | 2.3732% | 6,498 |
Loan and lease loss provision to assets | 0.6066% | 2,964 |
Net operating income to assets | 1.4437% | 934 |
Return on assets (ROA) | 1.4558% | 963 |
Pretax return on assets | 1.4558% | 1,536 |
Return on Equity (ROE) | 21.3633% | 236 |
Retained earnings to average equity (ytd only) | 4.2232% | 2,912 |
Net charge-offs to loans | 0.4357% | 3,499 |
Credit loss provision to net charge-offs | 214.7971% | 2,043 |
Earnings coverage of net charge-offs (x) | 7.2602% | 2,439 |
Efficiency ratio | 53.6492% | 7,273 |
Assets per employee ($millions) | 4.5430% | 2,790 |
Cash dividends to net income (ytd only)* | 80.2315% | 941 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0809% | 5,837 |
Loan loss allowance to noncurrent loans | 80.7692% | 3,388 |
Noncurrent assets plus other real estate owned to assets | 0.9345% | 5,202 |
Noncurrent loans to loans | 1.3382% | 4,698 |
Net loans and leases to total assets | 62.5356% | 5,155 |
Net loans and leases to deposits | 79.1894% | 4,536 |
Net loans and leases to core deposits | 124.8837% | 1,826 |
Total domestic deposits to total assets | 78.9698% | 5,816 |
Equity capital to assets | 6.8298% | 7,669 |
Core capital (leverage) ratio | 6.7903% | 7,547 |
Tier 1 risk-based capital ratio | 10.2141% | 6,769 |
Total risk-based capital ratio | 11.2619% | 6,920 |
Memoranda: | ||
Average total assets | $197,818,000 | 3,223 |
Average earning assets | $186,785,250 | 3,153 |
Average equity | $13,480,750 | 4,417 |
Average total loans | $128,217,000 | 3,335 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6818% | 3,649 |
Cost of funding earning assets | 1.5287% | 6,021 |
Net interest margin | 4.1531% | 2,150 |
Noninterest income to average assets | 0.4297% | 5,035 |
Noninterest expense to average assets | 2.4647% | 6,242 |
Loan and lease loss provision to assets | 0.6182% | 2,577 |
Net operating income to assets | 1.2602% | 1,329 |
Return on assets (ROA) | 1.2602% | 1,404 |
Pretax return on assets | 1.2602% | 2,128 |
Return on Equity (ROE) | 18.5069% | 446 |
Retained earnings to average equity (ytd only) | -7.7327% | 6,639 |
Net charge-offs to loans | 0.2836% | 3,774 |
Credit loss provision to net charge-offs | 333.3333% | 1,387 |
Earnings coverage of net charge-offs (x) | 10.1278% | 2,031 |
Efficiency ratio | 56.7497% | 7,021 |
Assets per employee ($millions) | 4.3122% | 3,096 |
Cash dividends to net income (ytd only)* | 141.7825% | 390 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0700% | 5,784 |
Loan loss allowance to noncurrent loans | 110.5093% | 2,657 |
Noncurrent assets plus other real estate owned to assets | 0.6870% | 5,693 |
Noncurrent loans to loans | 0.9682% | 5,284 |
Net loans and leases to total assets | 61.0628% | 5,508 |
Net loans and leases to deposits | 76.5799% | 5,086 |
Net loans and leases to core deposits | 123.9708% | 2,029 |
Total domestic deposits to total assets | 79.7374% | 5,552 |
Equity capital to assets | 6.0859% | 7,912 |
Core capital (leverage) ratio | 6.7162% | 7,695 |
Tier 1 risk-based capital ratio | 9.6379% | 7,285 |
Total risk-based capital ratio | 10.6527% | 7,440 |
Memoranda: | ||
Average total assets | $194,097,330 | 3,290 |
Average earning assets | $182,900,330 | 3,230 |
Average equity | $13,216,670 | 4,488 |
Average total loans | $126,917,670 | 3,403 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8010% | 3,299 |
Cost of funding earning assets | 1.6135% | 5,973 |
Net interest margin | 4.1875% | 1,944 |
Noninterest income to average assets | 0.4306% | 4,956 |
Noninterest expense to average assets | 2.4897% | 5,877 |
Loan and lease loss provision to assets | 0.6395% | 1,974 |
Net operating income to assets | 1.2235% | 1,585 |
Return on assets (ROA) | 1.2235% | 1,690 |
Pretax return on assets | 1.2235% | 2,540 |
Return on Equity (ROE) | 16.9741% | 688 |
Retained earnings to average equity (ytd only) | -34.3030% | 7,907 |
Net charge-offs to loans | 0.0095% | 5,520 |
Credit loss provision to net charge-offs | 10,000.0000% | 59 |
Earnings coverage of net charge-offs (x) | 291.3333% | 140 |
Efficiency ratio | 57.1988% | 6,804 |
Assets per employee ($millions) | 4.2037% | 3,260 |
Cash dividends to net income (ytd only)* | 302.0906% | 153 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9772% | 6,336 |
Loan loss allowance to noncurrent loans | 155.5000% | 2,090 |
Noncurrent assets plus other real estate owned to assets | 0.5094% | 5,941 |
Noncurrent loans to loans | 0.6284% | 5,830 |
Net loans and leases to total assets | 65.1901% | 4,770 |
Net loans and leases to deposits | 84.6197% | 3,877 |
Net loans and leases to core deposits | 124.4415% | 2,046 |
Total domestic deposits to total assets | 77.0388% | 6,268 |
Equity capital to assets | 6.7223% | 7,797 |
Core capital (leverage) ratio | 6.7111% | 7,794 |
Tier 1 risk-based capital ratio | 9.3610% | 7,541 |
Total risk-based capital ratio | 10.3052% | 7,778 |
Memoranda: | ||
Average total assets | $187,652,500 | 3,386 |
Average earning assets | $175,762,000 | 3,344 |
Average equity | $13,526,500 | 4,436 |
Average total loans | $126,497,000 | 3,437 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5264% | 2,833 |
Cost of funding earning assets | 2.0033% | 6,407 |
Net interest margin | 4.5231% | 1,367 |
Noninterest income to average assets | 0.4649% | 4,919 |
Noninterest expense to average assets | 2.5521% | 5,820 |
Loan and lease loss provision to assets | 0.3774% | 3,424 |
Net operating income to assets | 1.7425% | 619 |
Return on assets (ROA) | 1.7869% | 544 |
Pretax return on assets | 1.7869% | 971 |
Return on Equity (ROE) | 23.6136% | 188 |
Retained earnings to average equity (ytd only) | 13.7787% | 129 |
Net charge-offs to loans | 0.1745% | 4,452 |
Credit loss provision to net charge-offs | 320.4188% | 1,410 |
Earnings coverage of net charge-offs (x) | 18.0000% | 1,730 |
Efficiency ratio | 54.6258% | 7,196 |
Assets per employee ($millions) | 3.7903% | 3,978 |
Cash dividends to net income (ytd only)* | 41.6494% | 3,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7526% | 7,275 |
Loan loss allowance to noncurrent loans | 108.9862% | 3,193 |
Noncurrent assets plus other real estate owned to assets | 0.5788% | 5,444 |
Noncurrent loans to loans | 0.6906% | 5,313 |
Net loans and leases to total assets | 68.5662% | 4,350 |
Net loans and leases to deposits | 89.2816% | 3,581 |
Net loans and leases to core deposits | 130.6104% | 1,812 |
Total domestic deposits to total assets | 76.7978% | 6,035 |
Equity capital to assets | 7.7247% | 7,176 |
Core capital (leverage) ratio | 7.7254% | 6,891 |
Tier 1 risk-based capital ratio | 9.9023% | 6,846 |
Total risk-based capital ratio | 10.5972% | 7,395 |
Memoranda: | ||
Average total assets | $162,179,000 | 3,682 |
Average earning assets | $150,848,800 | 3,637 |
Average equity | $12,272,600 | 4,759 |
Average total loans | $109,431,400 | 3,690 |