Home > Frederick Community Bank, The > Performance and Condition Ratios
Frederick Community Bank, The, 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 | 4.6483% | 2,788 |
Cost of funding earning assets | 0.6116% | 4,051 |
Net interest margin | 4.0367% | 1,148 |
Noninterest income to average assets | 0.3900% | 2,564 |
Noninterest expense to average assets | 2.0947% | 3,419 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 2.1506% | 369 |
Return on assets (ROA) | 1.6362% | 785 |
Pretax return on assets | 1.6388% | 1,168 |
Return on Equity (ROE) | 19.6500% | 644 |
Retained earnings to average equity (ytd only) | 8.0407% | 1,527 |
Net charge-offs to loans | 0.0039% | 2,605 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 1,336.6667% | 116 |
Efficiency ratio | 49.3111% | 4,023 |
Assets per employee ($millions) | 6.5277% | 2,400 |
Cash dividends to net income (ytd only)* | 59.0745% | 1,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0036% | 3,287 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 42.4200% | 3,952 |
Net loans and leases to deposits | 46.7944% | 4,025 |
Net loans and leases to core deposits | 49.2481% | 4,098 |
Total domestic deposits to total assets | 90.6400% | 595 |
Equity capital to assets | 9.1531% | 2,576 |
Core capital (leverage) ratio | 9.5333% | 3,229 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.1003% | 778 |
Memoranda: | ||
Average total assets | $186,229,400 | 3,082 |
Average earning assets | $178,065,000 | 3,027 |
Average equity | $15,508,600 | 3,219 |
Average total loans | $77,743,400 | 3,443 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5362% | 2,830 |
Cost of funding earning assets | 0.5525% | 4,056 |
Net interest margin | 3.9837% | 1,250 |
Noninterest income to average assets | 0.3800% | 2,609 |
Noninterest expense to average assets | 2.0058% | 3,582 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 2.1876% | 381 |
Return on assets (ROA) | 1.7239% | 752 |
Pretax return on assets | 1.7290% | 1,118 |
Return on Equity (ROE) | 21.2400% | 617 |
Retained earnings to average equity (ytd only) | 9.7247% | 1,485 |
Net charge-offs to loans | 0.0035% | 2,383 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 1,525.0000% | 95 |
Efficiency ratio | 47.7740% | 4,061 |
Assets per employee ($millions) | 6.7784% | 2,118 |
Cash dividends to net income (ytd only)* | 54.2118% | 1,110 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0339% | 3,190 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 44.2700% | 3,904 |
Net loans and leases to deposits | 48.7089% | 3,982 |
Net loans and leases to core deposits | 51.2182% | 4,002 |
Total domestic deposits to total assets | 90.8800% | 701 |
Equity capital to assets | 8.8403% | 2,513 |
Core capital (leverage) ratio | 9.6720% | 3,128 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.4983% | 761 |
Memoranda: | ||
Average total assets | $185,461,000 | 3,089 |
Average earning assets | $177,618,500 | 3,036 |
Average equity | $15,054,000 | 3,251 |
Average total loans | $76,901,750 | 3,461 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4202% | 2,840 |
Cost of funding earning assets | 0.4740% | 4,029 |
Net interest margin | 3.9462% | 1,337 |
Noninterest income to average assets | 0.3700% | 2,628 |
Noninterest expense to average assets | 1.9487% | 3,714 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 2.1948% | 355 |
Return on assets (ROA) | 1.8564% | 598 |
Pretax return on assets | 1.8617% | 915 |
Return on Equity (ROE) | 23.5200% | 458 |
Retained earnings to average equity (ytd only) | 12.0979% | 967 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 46.9701% | 4,117 |
Assets per employee ($millions) | 6.9024% | 2,002 |
Cash dividends to net income (ytd only)* | 48.5714% | 1,349 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0761% | 3,065 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 40.3000% | 4,026 |
Net loans and leases to deposits | 43.9883% | 4,095 |
Net loans and leases to core deposits | 46.2477% | 4,122 |
Total domestic deposits to total assets | 91.6100% | 482 |
Equity capital to assets | 8.1851% | 3,094 |
Core capital (leverage) ratio | 9.2732% | 3,482 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.2511% | 789 |
Memoranda: | ||
Average total assets | $188,535,000 | 3,074 |
Average earning assets | $180,579,667 | 3,024 |
Average equity | $14,878,667 | 3,282 |
Average total loans | $76,258,667 | 3,474 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3210% | 2,747 |
Cost of funding earning assets | 0.3772% | 4,017 |
Net interest margin | 3.9438% | 1,378 |
Noninterest income to average assets | 0.3400% | 2,789 |
Noninterest expense to average assets | 1.9892% | 3,655 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 2.1179% | 419 |
Return on assets (ROA) | 1.7804% | 693 |
Pretax return on assets | 1.7867% | 1,089 |
Return on Equity (ROE) | 22.9800% | 509 |
Retained earnings to average equity (ytd only) | 12.0890% | 1,251 |
Net charge-offs to loans | 0.0052% | 1,779 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 1,007.0000% | 102 |
Efficiency ratio | 48.3590% | 4,063 |
Assets per employee ($millions) | 7.1918% | 1,827 |
Cash dividends to net income (ytd only)* | 47.3934% | 1,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1021% | 3,043 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 37.7100% | 4,124 |
Net loans and leases to deposits | 41.0017% | 4,197 |
Net loans and leases to core deposits | 42.8868% | 4,203 |
Total domestic deposits to total assets | 91.9700% | 523 |
Equity capital to assets | 7.8577% | 3,342 |
Core capital (leverage) ratio | 8.5819% | 4,086 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.0242% | 842 |
Memoranda: | ||
Average total assets | $189,620,500 | 3,108 |
Average earning assets | $181,347,000 | 3,057 |
Average equity | $14,691,000 | 3,334 |
Average total loans | $76,428,000 | 3,509 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0869% | 4,014 |
Cost of funding earning assets | 0.2081% | 3,696 |
Net interest margin | 2.8788% | 3,731 |
Noninterest income to average assets | 0.4200% | 2,575 |
Noninterest expense to average assets | 1.9177% | 3,794 |
Loan and lease loss provision to assets | 0.0100% | 2,705 |
Net operating income to assets | 1.2370% | 1,638 |
Return on assets (ROA) | 1.1296% | 2,000 |
Pretax return on assets | 1.1312% | 2,668 |
Return on Equity (ROE) | 14.1600% | 1,497 |
Retained earnings to average equity (ytd only) | 6.4302% | 2,481 |
Net charge-offs to loans | 0.0013% | 2,519 |
Credit loss provision to net charge-offs | 2,500.0000% | 214 |
Earnings coverage of net charge-offs (x) | 2,285.0000% | 72 |
Efficiency ratio | 60.4945% | 2,986 |
Assets per employee ($millions) | 7.4025% | 1,684 |
Cash dividends to net income (ytd only)* | 54.5852% | 1,188 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9326% | 3,660 |
Loan loss allowance to noncurrent loans | 18,375.0000% | 101 |
Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,928 |
Noncurrent loans to loans | 0.0051% | 3,840 |
Net loans and leases to total assets | 42.1900% | 3,967 |
Net loans and leases to deposits | 45.7670% | 4,064 |
Net loans and leases to core deposits | 47.6396% | 4,070 |
Total domestic deposits to total assets | 92.1800% | 593 |
Equity capital to assets | 7.6320% | 3,302 |
Core capital (leverage) ratio | 8.9158% | 3,766 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.7990% | 1,014 |
Memoranda: | ||
Average total assets | $182,458,200 | 3,164 |
Average earning assets | $174,449,400 | 3,107 |
Average equity | $14,556,400 | 3,409 |
Average total loans | $75,322,600 | 3,484 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7667% | 4,226 |
Cost of funding earning assets | 0.1747% | 3,570 |
Net interest margin | 2.5919% | 4,113 |
Noninterest income to average assets | 0.4200% | 2,617 |
Noninterest expense to average assets | 1.9089% | 3,733 |
Loan and lease loss provision to assets | 0.0200% | 2,326 |
Net operating income to assets | 0.9746% | 2,568 |
Return on assets (ROA) | 0.8844% | 2,914 |
Pretax return on assets | 0.8866% | 3,354 |
Return on Equity (ROE) | 10.9600% | 2,392 |
Retained earnings to average equity (ytd only) | 4.1460% | 3,392 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 65.7323% | 2,315 |
Assets per employee ($millions) | 6.5407% | 2,287 |
Cash dividends to net income (ytd only)* | 62.1891% | 811 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8989% | 3,857 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 45.9500% | 3,764 |
Net loans and leases to deposits | 49.8271% | 3,866 |
Net loans and leases to core deposits | 51.8644% | 3,860 |
Total domestic deposits to total assets | 92.2200% | 812 |
Equity capital to assets | 7.4932% | 3,221 |
Core capital (leverage) ratio | 8.9720% | 3,636 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.3103% | 1,123 |
Memoranda: | ||
Average total assets | $181,807,000 | 3,191 |
Average earning assets | $173,971,250 | 3,140 |
Average equity | $14,664,500 | 3,448 |
Average total loans | $74,450,000 | 3,511 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4074% | 4,453 |
Cost of funding earning assets | 0.1628% | 3,409 |
Net interest margin | 2.2446% | 4,387 |
Noninterest income to average assets | 0.4228% | 2,612 |
Noninterest expense to average assets | 1.8731% | 3,773 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.6943% | 3,325 |
Return on assets (ROA) | 0.6048% | 3,563 |
Pretax return on assets | 0.6080% | 3,800 |
Return on Equity (ROE) | 7.3308% | 3,207 |
Retained earnings to average equity (ytd only) | 2.0473% | 3,736 |
Net charge-offs to loans | 0.0028% | 1,981 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 641.0000% | 215 |
Efficiency ratio | 72.8390% | 1,646 |
Assets per employee ($millions) | 6.4970% | 2,320 |
Cash dividends to net income (ytd only)* | 72.0721% | 774 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9323% | 3,860 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 41.4719% | 4,005 |
Net loans and leases to deposits | 45.1387% | 4,062 |
Net loans and leases to core deposits | 46.7177% | 4,094 |
Total domestic deposits to total assets | 91.8765% | 889 |
Equity capital to assets | 7.8668% | 3,226 |
Core capital (leverage) ratio | 8.6379% | 3,818 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.7923% | 1,024 |
Memoranda: | ||
Average total assets | $183,543,000 | 3,213 |
Average earning assets | $175,711,000 | 3,164 |
Average equity | $15,141,667 | 3,477 |
Average total loans | $71,973,333 | 3,584 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2257% | 4,515 |
Cost of funding earning assets | 0.1658% | 3,285 |
Net interest margin | 2.0599% | 4,476 |
Noninterest income to average assets | 0.3732% | 2,855 |
Noninterest expense to average assets | 1.8074% | 3,924 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.5272% | 3,634 |
Return on assets (ROA) | 0.5272% | 3,603 |
Pretax return on assets | 0.5337% | 3,806 |
Return on Equity (ROE) | 6.2480% | 3,270 |
Retained earnings to average equity (ytd only) | -0.1800% | 4,038 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.2011% | 1,384 |
Assets per employee ($millions) | 6.9504% | 2,026 |
Cash dividends to net income (ytd only)* | 102.8807% | 499 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0439% | 3,554 |
Loan loss allowance to noncurrent loans | 71,100.0000% | 25 |
Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,125 |
Noncurrent loans to loans | 0.0015% | 4,046 |
Net loans and leases to total assets | 35.9144% | 4,213 |
Net loans and leases to deposits | 39.0802% | 4,284 |
Net loans and leases to core deposits | 40.5676% | 4,295 |
Total domestic deposits to total assets | 91.8992% | 617 |
Equity capital to assets | 7.9138% | 3,633 |
Core capital (leverage) ratio | 8.3285% | 4,045 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.6100% | 810 |
Memoranda: | ||
Average total assets | $184,356,500 | 3,209 |
Average earning assets | $176,127,000 | 3,174 |
Average equity | $15,557,000 | 3,510 |
Average total loans | $69,883,000 | 3,623 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7398% | 4,272 |
Cost of funding earning assets | 0.1973% | 3,493 |
Net interest margin | 2.5425% | 4,132 |
Noninterest income to average assets | 0.6838% | 1,819 |
Noninterest expense to average assets | 1.9851% | 3,724 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.1186% | 2,215 |
Return on assets (ROA) | 1.0925% | 2,392 |
Pretax return on assets | 1.1097% | 2,936 |
Return on Equity (ROE) | 11.2739% | 2,062 |
Retained earnings to average equity (ytd only) | 3.9293% | 3,244 |
Net charge-offs to loans | 0.0074% | 2,304 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 383.2000% | 341 |
Efficiency ratio | 63.5949% | 2,627 |
Assets per employee ($millions) | 6.7057% | 2,153 |
Cash dividends to net income (ytd only)* | 65.1466% | 898 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9922% | 3,781 |
Loan loss allowance to noncurrent loans | 35,550.0000% | 51 |
Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,198 |
Noncurrent loans to loans | 0.0028% | 4,105 |
Net loans and leases to total assets | 39.1858% | 4,138 |
Net loans and leases to deposits | 43.1562% | 4,218 |
Net loans and leases to core deposits | 44.6927% | 4,239 |
Total domestic deposits to total assets | 90.7999% | 582 |
Equity capital to assets | 8.9825% | 3,637 |
Core capital (leverage) ratio | 8.8148% | 3,603 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.0295% | 889 |
Memoranda: | ||
Average total assets | $168,606,800 | 3,315 |
Average earning assets | $161,651,400 | 3,260 |
Average equity | $16,338,600 | 3,514 |
Average total loans | $67,774,000 | 3,691 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6845% | 4,422 |
Cost of funding earning assets | 0.2044% | 3,563 |
Net interest margin | 2.4801% | 4,313 |
Noninterest income to average assets | 0.7662% | 1,632 |
Noninterest expense to average assets | 1.9497% | 3,814 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.1819% | 2,225 |
Return on assets (ROA) | 1.1819% | 2,284 |
Pretax return on assets | 1.2012% | 2,930 |
Return on Equity (ROE) | 11.9575% | 2,060 |
Retained earnings to average equity (ytd only) | 5.0292% | 3,208 |
Net charge-offs to loans | 0.0040% | 2,199 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 745.5000% | 215 |
Efficiency ratio | 61.8768% | 2,719 |
Assets per employee ($millions) | 6.3383% | 2,386 |
Cash dividends to net income (ytd only)* | 57.9414% | 909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0448% | 3,692 |
Loan loss allowance to noncurrent loans | 1,347.1698% | 635 |
Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,957 |
Noncurrent loans to loans | 0.0776% | 3,704 |
Net loans and leases to total assets | 39.5170% | 4,233 |
Net loans and leases to deposits | 43.8345% | 4,319 |
Net loans and leases to core deposits | 45.3784% | 4,340 |
Total domestic deposits to total assets | 90.1504% | 706 |
Equity capital to assets | 9.5785% | 3,308 |
Core capital (leverage) ratio | 9.3546% | 3,170 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $165,495,250 | 3,375 |
Average earning assets | $159,130,250 | 3,315 |
Average equity | $16,357,500 | 3,562 |
Average total loans | $66,803,000 | 3,761 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4886% | 4,622 |
Cost of funding earning assets | 0.2136% | 3,617 |
Net interest margin | 2.2750% | 4,540 |
Noninterest income to average assets | 0.8275% | 1,459 |
Noninterest expense to average assets | 2.0353% | 3,590 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.9559% | 3,042 |
Return on assets (ROA) | 0.9559% | 3,129 |
Pretax return on assets | 0.9791% | 3,487 |
Return on Equity (ROE) | 9.5681% | 2,926 |
Retained earnings to average equity (ytd only) | 5.2857% | 3,079 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5182% | 1,938 |
Assets per employee ($millions) | 6.5432% | 2,129 |
Cash dividends to net income (ytd only)* | 44.7570% | 1,403 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0723% | 3,534 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 40.3821% | 4,275 |
Net loans and leases to deposits | 45.0087% | 4,350 |
Net loans and leases to core deposits | 46.6521% | 4,375 |
Total domestic deposits to total assets | 89.7206% | 908 |
Equity capital to assets | 10.0245% | 2,828 |
Core capital (leverage) ratio | 9.3506% | 3,071 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $163,615,667 | 3,400 |
Average earning assets | $157,277,000 | 3,337 |
Average equity | $16,346,000 | 3,574 |
Average total loans | $66,290,333 | 3,791 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4812% | 4,654 |
Cost of funding earning assets | 0.2267% | 3,666 |
Net interest margin | 2.2545% | 4,563 |
Noninterest income to average assets | 1.1562% | 915 |
Noninterest expense to average assets | 2.0240% | 3,643 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.2614% | 1,941 |
Return on assets (ROA) | 1.2614% | 2,019 |
Pretax return on assets | 1.2956% | 2,584 |
Return on Equity (ROE) | 12.6471% | 1,769 |
Retained earnings to average equity (ytd only) | 4.0686% | 3,479 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.9720% | 2,912 |
Assets per employee ($millions) | 6.6574% | 2,048 |
Cash dividends to net income (ytd only)* | 67.8295% | 750 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1231% | 3,324 |
Loan loss allowance to noncurrent loans | 1,193.3333% | 572 |
Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,112 |
Noncurrent loans to loans | 0.0941% | 3,836 |
Net loans and leases to total assets | 37.8742% | 4,426 |
Net loans and leases to deposits | 42.0453% | 4,498 |
Net loans and leases to core deposits | 43.4186% | 4,517 |
Total domestic deposits to total assets | 90.0796% | 784 |
Equity capital to assets | 9.7329% | 2,963 |
Core capital (leverage) ratio | 9.1738% | 3,423 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $163,633,500 | 3,396 |
Average earning assets | $157,021,500 | 3,341 |
Average equity | $16,320,000 | 3,579 |
Average total loans | $66,049,000 | 3,812 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2066% | 4,445 |
Cost of funding earning assets | 0.3324% | 3,965 |
Net interest margin | 2.8741% | 4,156 |
Noninterest income to average assets | 0.9859% | 1,070 |
Noninterest expense to average assets | 2.2645% | 3,503 |
Loan and lease loss provision to assets | 0.0363% | 3,959 |
Net operating income to assets | 1.4200% | 978 |
Return on assets (ROA) | 1.4577% | 984 |
Pretax return on assets | 1.4649% | 1,451 |
Return on Equity (ROE) | 13.6655% | 892 |
Retained earnings to average equity (ytd only) | 3.7540% | 2,950 |
Net charge-offs to loans | 0.0057% | 3,143 |
Credit loss provision to net charge-offs | 1,375.0000% | 608 |
Earnings coverage of net charge-offs (x) | 553.7500% | 213 |
Efficiency ratio | 60.7409% | 3,356 |
Assets per employee ($millions) | 6.4333% | 1,967 |
Cash dividends to net income (ytd only)* | 72.5295% | 869 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0476% | 3,697 |
Loan loss allowance to noncurrent loans | 1,193.3333% | 574 |
Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,171 |
Noncurrent loans to loans | 0.0878% | 3,935 |
Net loans and leases to total assets | 42.0501% | 4,349 |
Net loans and leases to deposits | 46.9715% | 4,430 |
Net loans and leases to core deposits | 48.4563% | 4,474 |
Total domestic deposits to total assets | 89.5226% | 760 |
Equity capital to assets | 10.2225% | 2,912 |
Core capital (leverage) ratio | 9.5576% | 3,053 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $151,338,000 | 3,393 |
Average earning assets | $144,391,600 | 3,329 |
Average equity | $16,142,800 | 3,537 |
Average total loans | $69,647,600 | 3,748 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2395% | 4,544 |
Cost of funding earning assets | 0.3574% | 4,018 |
Net interest margin | 2.8821% | 4,206 |
Noninterest income to average assets | 1.0409% | 960 |
Noninterest expense to average assets | 2.1857% | 3,713 |
Loan and lease loss provision to assets | 0.0269% | 3,996 |
Net operating income to assets | 1.5708% | 777 |
Return on assets (ROA) | 1.6218% | 758 |
Pretax return on assets | 1.6290% | 1,107 |
Return on Equity (ROE) | 15.0355% | 684 |
Retained earnings to average equity (ytd only) | 4.8708% | 2,624 |
Net charge-offs to loans | 0.0076% | 2,848 |
Credit loss provision to net charge-offs | 750.0000% | 1,025 |
Earnings coverage of net charge-offs (x) | 448.2500% | 254 |
Efficiency ratio | 57.6623% | 3,715 |
Assets per employee ($millions) | 6.3018% | 1,994 |
Cash dividends to net income (ytd only)* | 67.6049% | 888 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9374% | 3,943 |
Loan loss allowance to noncurrent loans | 1,151.6667% | 525 |
Noncurrent assets plus other real estate owned to assets | 0.0381% | 4,263 |
Noncurrent loans to loans | 0.0814% | 4,042 |
Net loans and leases to total assets | 46.3506% | 4,295 |
Net loans and leases to deposits | 51.9563% | 4,411 |
Net loans and leases to core deposits | 53.5402% | 4,469 |
Total domestic deposits to total assets | 89.2107% | 683 |
Equity capital to assets | 10.5119% | 2,782 |
Core capital (leverage) ratio | 10.0528% | 2,674 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $148,964,500 | 3,405 |
Average earning assets | $142,115,250 | 3,345 |
Average equity | $16,068,250 | 3,541 |
Average total loans | $69,973,000 | 3,752 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3450% | 4,596 |
Cost of funding earning assets | 0.3904% | 4,072 |
Net interest margin | 2.9546% | 4,219 |
Noninterest income to average assets | 0.9555% | 1,062 |
Noninterest expense to average assets | 2.2066% | 3,763 |
Loan and lease loss provision to assets | 0.0411% | 3,764 |
Net operating income to assets | 1.5085% | 911 |
Return on assets (ROA) | 1.5865% | 854 |
Pretax return on assets | 1.5934% | 1,243 |
Return on Equity (ROE) | 14.5749% | 779 |
Retained earnings to average equity (ytd only) | 5.1434% | 2,403 |
Net charge-offs to loans | 0.0146% | 2,457 |
Credit loss provision to net charge-offs | 600.0000% | 1,104 |
Earnings coverage of net charge-offs (x) | 227.4000% | 400 |
Efficiency ratio | 58.6395% | 3,601 |
Assets per employee ($millions) | 5.9373% | 2,240 |
Cash dividends to net income (ytd only)* | 64.7110% | 1,096 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9930% | 3,612 |
Loan loss allowance to noncurrent loans | 1,150.0000% | 499 |
Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,336 |
Noncurrent loans to loans | 0.0863% | 4,115 |
Net loans and leases to total assets | 46.3492% | 4,346 |
Net loans and leases to deposits | 52.3028% | 4,433 |
Net loans and leases to core deposits | 54.0160% | 4,497 |
Total domestic deposits to total assets | 88.6170% | 901 |
Equity capital to assets | 11.1209% | 2,237 |
Core capital (leverage) ratio | 10.2739% | 2,562 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $146,104,333 | 3,417 |
Average earning assets | $138,832,333 | 3,362 |
Average equity | $15,904,000 | 3,559 |
Average total loans | $68,726,000 | 3,782 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5161% | 4,613 |
Cost of funding earning assets | 0.4337% | 4,222 |
Net interest margin | 3.0824% | 4,130 |
Noninterest income to average assets | 0.7396% | 1,498 |
Noninterest expense to average assets | 2.1112% | 4,192 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.5455% | 705 |
Return on assets (ROA) | 1.5455% | 774 |
Pretax return on assets | 1.5510% | 1,177 |
Return on Equity (ROE) | 14.3567% | 637 |
Retained earnings to average equity (ytd only) | 4.7428% | 2,395 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.6488% | 4,048 |
Assets per employee ($millions) | 5.7158% | 1,914 |
Cash dividends to net income (ytd only)* | 66.9643% | 1,253 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0395% | 3,493 |
Loan loss allowance to noncurrent loans | 2,660.0000% | 234 |
Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,546 |
Noncurrent loans to loans | 0.0391% | 4,402 |
Net loans and leases to total assets | 44.3049% | 4,494 |
Net loans and leases to deposits | 50.0621% | 4,587 |
Net loans and leases to core deposits | 51.7700% | 4,636 |
Total domestic deposits to total assets | 88.5000% | 879 |
Equity capital to assets | 11.2823% | 2,604 |
Core capital (leverage) ratio | 10.1987% | 3,248 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $144,940,500 | 3,399 |
Average earning assets | $137,425,000 | 3,348 |
Average equity | $15,602,500 | 3,604 |
Average total loans | $68,345,500 | 3,796 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7107% | 4,667 |
Cost of funding earning assets | 0.4169% | 4,387 |
Net interest margin | 3.2938% | 4,003 |
Noninterest income to average assets | 0.6282% | 2,101 |
Noninterest expense to average assets | 2.2897% | 3,967 |
Loan and lease loss provision to assets | 0.0492% | 3,035 |
Net operating income to assets | 1.4238% | 1,266 |
Return on assets (ROA) | 1.4385% | 1,288 |
Pretax return on assets | 1.4385% | 2,019 |
Return on Equity (ROE) | 13.9438% | 904 |
Retained earnings to average equity (ytd only) | 3.7161% | 3,132 |
Net charge-offs to loans | 0.0279% | 2,837 |
Credit loss provision to net charge-offs | 368.4211% | 755 |
Earnings coverage of net charge-offs (x) | 110.2105% | 630 |
Efficiency ratio | 60.8525% | 3,559 |
Assets per employee ($millions) | 5.2495% | 2,285 |
Cash dividends to net income (ytd only)* | 73.3496% | 1,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9145% | 3,900 |
Loan loss allowance to noncurrent loans | 1,705.1282% | 368 |
Noncurrent assets plus other real estate owned to assets | 0.0551% | 4,353 |
Noncurrent loans to loans | 0.0536% | 4,333 |
Net loans and leases to total assets | 49.0193% | 4,371 |
Net loans and leases to deposits | 54.7837% | 4,505 |
Net loans and leases to core deposits | 56.5603% | 4,563 |
Total domestic deposits to total assets | 89.4778% | 498 |
Equity capital to assets | 10.2616% | 3,663 |
Core capital (leverage) ratio | 10.1396% | 3,365 |
Tier 1 risk-based capital ratio | 17.0649% | 2,032 |
Total risk-based capital ratio | 17.8437% | 2,123 |
Memoranda: | ||
Average total assets | $142,159,000 | 3,408 |
Average earning assets | $135,283,800 | 3,347 |
Average equity | $14,666,000 | 3,666 |
Average total loans | $68,019,400 | 3,811 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6892% | 4,793 |
Cost of funding earning assets | 0.4137% | 4,450 |
Net interest margin | 3.2755% | 4,135 |
Noninterest income to average assets | 0.6442% | 2,013 |
Noninterest expense to average assets | 2.1662% | 4,241 |
Loan and lease loss provision to assets | 0.0426% | 3,048 |
Net operating income to assets | 1.5589% | 1,036 |
Return on assets (ROA) | 1.5797% | 1,028 |
Pretax return on assets | 1.5797% | 1,703 |
Return on Equity (ROE) | 15.2908% | 718 |
Retained earnings to average equity (ytd only) | 5.9057% | 2,416 |
Net charge-offs to loans | 0.0040% | 3,267 |
Credit loss provision to net charge-offs | 2,250.0000% | 180 |
Earnings coverage of net charge-offs (x) | 845.4232% | 113 |
Efficiency ratio | 57.4944% | 4,002 |
Assets per employee ($millions) | 5.0164% | 2,544 |
Cash dividends to net income (ytd only)* | 61.3772% | 1,230 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9355% | 3,897 |
Loan loss allowance to noncurrent loans | 1,113.5593% | 538 |
Noncurrent assets plus other real estate owned to assets | 0.0420% | 4,502 |
Noncurrent loans to loans | 0.0840% | 4,264 |
Net loans and leases to total assets | 49.5337% | 4,453 |
Net loans and leases to deposits | 55.7247% | 4,562 |
Net loans and leases to core deposits | 57.5025% | 4,638 |
Total domestic deposits to total assets | 88.8899% | 654 |
Equity capital to assets | 10.8623% | 3,238 |
Core capital (leverage) ratio | 10.3431% | 3,268 |
Tier 1 risk-based capital ratio | 17.3324% | 1,987 |
Total risk-based capital ratio | 18.1086% | 2,077 |
Memoranda: | ||
Average total assets | $140,952,500 | 3,455 |
Average earning assets | $134,407,000 | 3,392 |
Average equity | $14,561,750 | 3,714 |
Average total loans | $66,845,250 | 3,881 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6309% | 4,908 |
Cost of funding earning assets | 0.4107% | 4,470 |
Net interest margin | 3.2202% | 4,317 |
Noninterest income to average assets | 0.5797% | 2,246 |
Noninterest expense to average assets | 2.1826% | 4,261 |
Loan and lease loss provision to assets | 0.0283% | 3,256 |
Net operating income to assets | 1.4357% | 1,332 |
Return on assets (ROA) | 1.4669% | 1,299 |
Pretax return on assets | 1.4669% | 1,967 |
Return on Equity (ROE) | 14.4452% | 885 |
Retained earnings to average equity (ytd only) | 5.0244% | 2,761 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.8523% | 3,749 |
Assets per employee ($millions) | 4.9062% | 2,597 |
Cash dividends to net income (ytd only)* | 65.2174% | 1,245 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9656% | 3,801 |
Loan loss allowance to noncurrent loans | 1,074.5763% | 557 |
Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,552 |
Noncurrent loans to loans | 0.0899% | 4,283 |
Net loans and leases to total assets | 47.3336% | 4,592 |
Net loans and leases to deposits | 53.2508% | 4,709 |
Net loans and leases to core deposits | 54.9273% | 4,752 |
Total domestic deposits to total assets | 88.8880% | 710 |
Equity capital to assets | 10.8907% | 3,186 |
Core capital (leverage) ratio | 10.4100% | 3,185 |
Tier 1 risk-based capital ratio | 17.1708% | 2,036 |
Total risk-based capital ratio | 17.9275% | 2,134 |
Memoranda: | ||
Average total assets | $141,117,330 | 3,481 |
Average earning assets | $134,401,000 | 3,416 |
Average equity | $14,330,000 | 3,744 |
Average total loans | $65,716,670 | 3,931 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5392% | 5,011 |
Cost of funding earning assets | 0.3832% | 4,559 |
Net interest margin | 3.1560% | 4,485 |
Noninterest income to average assets | 0.5007% | 2,550 |
Noninterest expense to average assets | 2.1176% | 4,432 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.4015% | 1,372 |
Return on assets (ROA) | 1.4630% | 1,228 |
Pretax return on assets | 1.4630% | 1,881 |
Return on Equity (ROE) | 14.9274% | 759 |
Retained earnings to average equity (ytd only) | 5.6513% | 2,613 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.1749% | 3,782 |
Assets per employee ($millions) | 5.0396% | 2,471 |
Cash dividends to net income (ytd only)* | 62.1415% | 1,295 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9679% | 3,885 |
Loan loss allowance to noncurrent loans | 601.9608% | 893 |
Noncurrent assets plus other real estate owned to assets | 0.0723% | 4,454 |
Noncurrent loans to loans | 0.1608% | 4,022 |
Net loans and leases to total assets | 44.5202% | 4,723 |
Net loans and leases to deposits | 49.6181% | 4,826 |
Net loans and leases to core deposits | 51.5167% | 4,850 |
Total domestic deposits to total assets | 89.7257% | 553 |
Equity capital to assets | 10.1305% | 3,691 |
Core capital (leverage) ratio | 9.8761% | 3,733 |
Tier 1 risk-based capital ratio | 17.7780% | 1,861 |
Total risk-based capital ratio | 18.5454% | 1,957 |
Memoranda: | ||
Average total assets | $142,989,000 | 3,486 |
Average earning assets | $136,754,000 | 3,419 |
Average equity | $14,014,500 | 3,800 |
Average total loans | $65,746,000 | 3,970 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2365% | 5,123 |
Cost of funding earning assets | 0.2758% | 4,676 |
Net interest margin | 2.9607% | 4,837 |
Noninterest income to average assets | 0.5105% | 2,775 |
Noninterest expense to average assets | 2.2288% | 4,279 |
Loan and lease loss provision to assets | 0.0139% | 3,867 |
Net operating income to assets | 1.1006% | 2,593 |
Return on assets (ROA) | 1.0479% | 2,796 |
Pretax return on assets | 1.0479% | 3,448 |
Return on Equity (ROE) | 11.3659% | 1,951 |
Retained earnings to average equity (ytd only) | 3.7035% | 3,541 |
Net charge-offs to loans | 0.0064% | 3,465 |
Credit loss provision to net charge-offs | 500.0000% | 689 |
Earnings coverage of net charge-offs (x) | 402.2500% | 255 |
Efficiency ratio | 66.6667% | 2,755 |
Assets per employee ($millions) | 5.1739% | 2,301 |
Cash dividends to net income (ytd only)* | 67.4157% | 1,188 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9022% | 4,150 |
Loan loss allowance to noncurrent loans | 632.9897% | 893 |
Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,496 |
Noncurrent loans to loans | 0.1425% | 4,103 |
Net loans and leases to total assets | 46.5538% | 4,714 |
Net loans and leases to deposits | 51.5387% | 4,835 |
Net loans and leases to core deposits | 53.4418% | 4,863 |
Total domestic deposits to total assets | 90.3278% | 370 |
Equity capital to assets | 9.4803% | 4,148 |
Core capital (leverage) ratio | 9.5648% | 4,046 |
Tier 1 risk-based capital ratio | 16.6736% | 2,179 |
Total risk-based capital ratio | 17.4035% | 2,301 |
Memoranda: | ||
Average total assets | $144,379,400 | 3,452 |
Average earning assets | $138,143,800 | 3,384 |
Average equity | $13,311,800 | 3,841 |
Average total loans | $62,377,400 | 4,038 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1240% | 5,237 |
Cost of funding earning assets | 0.2555% | 4,755 |
Net interest margin | 2.8685% | 5,015 |
Noninterest income to average assets | 0.4991% | 2,875 |
Noninterest expense to average assets | 2.1738% | 4,381 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.0749% | 2,766 |
Return on assets (ROA) | 1.0315% | 2,965 |
Pretax return on assets | 1.0315% | 3,632 |
Return on Equity (ROE) | 11.2671% | 2,063 |
Retained earnings to average equity (ytd only) | 3.9980% | 3,770 |
Net charge-offs to loans | 0.0044% | 3,297 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | 580.7603% | 151 |
Efficiency ratio | 66.9132% | 2,728 |
Assets per employee ($millions) | 5.3078% | 2,113 |
Cash dividends to net income (ytd only)* | 64.5165% | 1,032 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9456% | 4,062 |
Loan loss allowance to noncurrent loans | 1,419.0476% | 445 |
Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,845 |
Noncurrent loans to loans | 0.0666% | 4,584 |
Net loans and leases to total assets | 42.0077% | 4,962 |
Net loans and leases to deposits | 46.1713% | 5,049 |
Net loans and leases to core deposits | 47.8652% | 5,068 |
Total domestic deposits to total assets | 90.9822% | 226 |
Equity capital to assets | 8.8206% | 4,703 |
Core capital (leverage) ratio | 9.8559% | 3,792 |
Tier 1 risk-based capital ratio | 17.5113% | 1,926 |
Total risk-based capital ratio | 18.2606% | 2,050 |
Memoranda: | ||
Average total assets | $144,257,000 | 3,490 |
Average earning assets | $138,279,000 | 3,416 |
Average equity | $13,206,250 | 3,885 |
Average total loans | $60,957,750 | 4,113 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0585% | 5,305 |
Cost of funding earning assets | 0.2769% | 4,580 |
Net interest margin | 2.7817% | 5,141 |
Noninterest income to average assets | 0.2801% | 4,311 |
Noninterest expense to average assets | 1.9063% | 4,947 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.0598% | 2,754 |
Return on assets (ROA) | 1.0598% | 2,756 |
Pretax return on assets | 1.0598% | 3,477 |
Return on Equity (ROE) | 12.0820% | 1,696 |
Retained earnings to average equity (ytd only) | 6.2768% | 2,431 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.2704% | 3,281 |
Assets per employee ($millions) | 4.9700% | 2,461 |
Cash dividends to net income (ytd only)* | 48.0480% | 1,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9577% | 4,076 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 46.1234% | 4,821 |
Net loans and leases to deposits | 50.8767% | 4,950 |
Net loans and leases to core deposits | 51.8032% | 4,999 |
Total domestic deposits to total assets | 90.6573% | 346 |
Equity capital to assets | 9.1834% | 4,398 |
Core capital (leverage) ratio | 9.3202% | 4,338 |
Tier 1 risk-based capital ratio | 16.1905% | 2,373 |
Total risk-based capital ratio | 16.9348% | 2,500 |
Memoranda: | ||
Average total assets | $62,844,670 | 4,806 |
Average earning assets | $60,682,670 | 4,758 |
Average equity | $5,512,330 | 5,080 |
Average total loans | $27,515,000 | 4,979 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8907% | 5,418 |
Cost of funding earning assets | 0.2634% | 4,629 |
Net interest margin | 2.6273% | 5,307 |
Noninterest income to average assets | 0.2793% | 4,304 |
Noninterest expense to average assets | 1.8310% | 5,122 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.9869% | 2,905 |
Return on assets (ROA) | 0.9869% | 2,937 |
Pretax return on assets | 0.9869% | 3,584 |
Return on Equity (ROE) | 11.5009% | 1,767 |
Retained earnings to average equity (ytd only) | 6.0759% | 2,673 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9780% | 3,321 |
Assets per employee ($millions) | 5.3981% | 2,035 |
Cash dividends to net income (ytd only)* | 47.1698% | 1,591 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0032% | 3,935 |
Loan loss allowance to noncurrent loans | 443.3333% | 1,224 |
Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,629 |
Noncurrent loans to loans | 0.2263% | 3,963 |
Net loans and leases to total assets | 40.5236% | 5,047 |
Net loans and leases to deposits | 44.3113% | 5,147 |
Net loans and leases to core deposits | 45.0443% | 5,187 |
Total domestic deposits to total assets | 91.4522% | 194 |
Equity capital to assets | 8.4320% | 5,028 |
Core capital (leverage) ratio | 8.8656% | 4,830 |
Tier 1 risk-based capital ratio | 16.3429% | 2,339 |
Total risk-based capital ratio | 17.1061% | 2,474 |
Memoranda: | ||
Average total assets | $64,447,000 | 4,842 |
Average earning assets | $62,269,000 | 4,783 |
Average equity | $5,530,000 | 5,130 |
Average total loans | $27,385,500 | 5,033 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8853% | 5,422 |
Cost of funding earning assets | 0.2325% | 4,711 |
Net interest margin | 2.6527% | 5,315 |
Noninterest income to average assets | 0.3747% | 3,792 |
Noninterest expense to average assets | 1.9164% | 5,093 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.0199% | 2,155 |
Return on assets (ROA) | 1.0199% | 2,190 |
Pretax return on assets | 1.0199% | 3,495 |
Return on Equity (ROE) | 11.5845% | 1,317 |
Retained earnings to average equity (ytd only) | 6.1963% | 1,440 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2666% | 3,390 |
Assets per employee ($millions) | 5.3431% | 2,110 |
Cash dividends to net income (ytd only)* | 46.5116% | 2,503 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9414% | 4,266 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 43.6530% | 4,993 |
Net loans and leases to deposits | 47.9141% | 5,129 |
Net loans and leases to core deposits | 48.7163% | 5,170 |
Total domestic deposits to total assets | 91.1069% | 218 |
Equity capital to assets | 8.7309% | 4,947 |
Core capital (leverage) ratio | 8.7855% | 4,875 |
Tier 1 risk-based capital ratio | 15.0824% | 2,810 |
Total risk-based capital ratio | 15.7973% | 2,988 |
Memoranda: | ||
Average total assets | $63,244,000 | 4,894 |
Average earning assets | $61,068,800 | 4,838 |
Average equity | $5,567,800 | 5,172 |
Average total loans | $27,287,000 | 5,085 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8494% | 5,503 |
Cost of funding earning assets | 0.2256% | 4,773 |
Net interest margin | 2.6239% | 5,388 |
Noninterest income to average assets | 0.3956% | 3,717 |
Noninterest expense to average assets | 1.8489% | 5,205 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.0810% | 2,173 |
Return on assets (ROA) | 1.0810% | 2,229 |
Pretax return on assets | 1.0810% | 3,379 |
Return on Equity (ROE) | 12.2534% | 1,256 |
Retained earnings to average equity (ytd only) | 6.2585% | 2,082 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.1047% | 3,691 |
Assets per employee ($millions) | 5.1937% | 2,231 |
Cash dividends to net income (ytd only)* | 48.9241% | 1,817 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9160% | 4,485 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 46.1684% | 4,929 |
Net loans and leases to deposits | 50.9040% | 5,093 |
Net loans and leases to core deposits | 51.7825% | 5,146 |
Total domestic deposits to total assets | 90.6970% | 261 |
Equity capital to assets | 9.1329% | 4,797 |
Core capital (leverage) ratio | 8.9111% | 4,849 |
Tier 1 risk-based capital ratio | 15.0022% | 2,916 |
Total risk-based capital ratio | 15.7241% | 3,110 |
Memoranda: | ||
Average total assets | $63,025,750 | 4,956 |
Average earning assets | $60,875,750 | 4,893 |
Average equity | $5,560,250 | 5,231 |
Average total loans | $27,045,000 | 5,151 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7887% | 5,561 |
Cost of funding earning assets | 0.2258% | 4,752 |
Net interest margin | 2.5628% | 5,462 |
Noninterest income to average assets | 0.4426% | 3,403 |
Noninterest expense to average assets | 1.8558% | 5,248 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.0623% | 2,158 |
Return on assets (ROA) | 1.0623% | 2,201 |
Pretax return on assets | 1.0623% | 3,330 |
Return on Equity (ROE) | 12.1820% | 1,243 |
Retained earnings to average equity (ytd only) | 7.6500% | 1,296 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.5970% | 3,743 |
Assets per employee ($millions) | 5.1199% | 2,248 |
Cash dividends to net income (ytd only)* | 37.2024% | 2,458 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0234% | 4,007 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 41.8741% | 5,148 |
Net loans and leases to deposits | 46.2051% | 5,277 |
Net loans and leases to core deposits | 46.6737% | 5,325 |
Total domestic deposits to total assets | 90.6265% | 316 |
Equity capital to assets | 9.2384% | 4,684 |
Core capital (leverage) ratio | 8.8055% | 4,943 |
Tier 1 risk-based capital ratio | 16.0579% | 2,480 |
Total risk-based capital ratio | 16.8377% | 2,600 |
Memoranda: | ||
Average total assets | $63,259,670 | 4,989 |
Average earning assets | $61,104,000 | 4,920 |
Average equity | $5,516,330 | 5,270 |
Average total loans | $26,380,000 | 5,207 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7159% | 5,639 |
Cost of funding earning assets | 0.2263% | 4,741 |
Net interest margin | 2.4896% | 5,556 |
Noninterest income to average assets | 0.2992% | 4,419 |
Noninterest expense to average assets | 1.7828% | 5,402 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.9163% | 2,680 |
Return on assets (ROA) | 0.9163% | 2,733 |
Pretax return on assets | 0.9163% | 3,705 |
Return on Equity (ROE) | 10.8158% | 1,633 |
Retained earnings to average equity (ytd only) | 10.8158% | 640 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0508% | 3,490 |
Assets per employee ($millions) | 5.4607% | 1,929 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0569% | 3,946 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 38.0005% | 5,322 |
Net loans and leases to deposits | 41.5397% | 5,427 |
Net loans and leases to core deposits | 42.1080% | 5,464 |
Total domestic deposits to total assets | 91.4800% | 177 |
Equity capital to assets | 8.4193% | 5,295 |
Core capital (leverage) ratio | 8.1318% | 5,490 |
Tier 1 risk-based capital ratio | 16.7621% | 2,259 |
Total risk-based capital ratio | 17.5857% | 2,364 |
Memoranda: | ||
Average total assets | $64,170,000 | 5,031 |
Average earning assets | $61,857,000 | 4,953 |
Average equity | $5,436,500 | 5,333 |
Average total loans | $26,573,500 | 5,257 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8962% | 5,583 |
Cost of funding earning assets | 0.2342% | 4,704 |
Net interest margin | 2.6620% | 5,461 |
Noninterest income to average assets | 0.3400% | 4,310 |
Noninterest expense to average assets | 1.9944% | 5,205 |
Loan and lease loss provision to assets | 0.0325% | 3,702 |
Net operating income to assets | 0.8833% | 2,912 |
Return on assets (ROA) | 0.8833% | 3,029 |
Pretax return on assets | 0.8833% | 3,900 |
Return on Equity (ROE) | 9.9768% | 1,965 |
Retained earnings to average equity (ytd only) | 2.9949% | 3,768 |
Net charge-offs to loans | 0.0176% | 3,720 |
Credit loss provision to net charge-offs | 400.0000% | 792 |
Earnings coverage of net charge-offs (x) | 112.6000% | 541 |
Efficiency ratio | 68.5299% | 3,156 |
Assets per employee ($millions) | 5.2343% | 2,131 |
Cash dividends to net income (ytd only)* | 69.9816% | 1,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9507% | 4,577 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,343 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 44.1221% | 5,109 |
Net loans and leases to deposits | 48.3226% | 5,281 |
Net loans and leases to core deposits | 49.0132% | 5,331 |
Total domestic deposits to total assets | 91.3074% | 208 |
Equity capital to assets | 8.5270% | 5,251 |
Core capital (leverage) ratio | 8.2459% | 5,478 |
Tier 1 risk-based capital ratio | 14.9541% | 2,985 |
Total risk-based capital ratio | 15.7094% | 3,142 |
Memoranda: | ||
Average total assets | $61,471,200 | 5,105 |
Average earning assets | $59,353,200 | 5,035 |
Average equity | $5,442,600 | 5,383 |
Average total loans | $28,409,200 | 5,253 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8821% | 5,664 |
Cost of funding earning assets | 0.2340% | 4,760 |
Net interest margin | 2.6481% | 5,550 |
Noninterest income to average assets | 0.3511% | 4,278 |
Noninterest expense to average assets | 1.9933% | 5,220 |
Loan and lease loss provision to assets | 0.0218% | 3,808 |
Net operating income to assets | 0.9029% | 2,891 |
Return on assets (ROA) | 0.9029% | 3,033 |
Pretax return on assets | 0.9029% | 3,968 |
Return on Equity (ROE) | 10.1018% | 2,010 |
Retained earnings to average equity (ytd only) | 1.8056% | 4,781 |
Net charge-offs to loans | 0.0234% | 3,210 |
Credit loss provision to net charge-offs | 200.0000% | 1,437 |
Earnings coverage of net charge-offs (x) | 84.7556% | 740 |
Efficiency ratio | 68.3109% | 3,172 |
Assets per employee ($millions) | 5.1348% | 2,212 |
Cash dividends to net income (ytd only)* | 82.1247% | 680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8683% | 4,973 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,464 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 47.4342% | 5,000 |
Net loans and leases to deposits | 52.2376% | 5,193 |
Net loans and leases to core deposits | 53.0030% | 5,267 |
Total domestic deposits to total assets | 90.8046% | 239 |
Equity capital to assets | 8.9974% | 5,179 |
Core capital (leverage) ratio | 8.5266% | 5,342 |
Tier 1 risk-based capital ratio | 14.6229% | 3,224 |
Total risk-based capital ratio | 15.3457% | 3,432 |
Memoranda: | ||
Average total assets | $61,136,000 | 5,164 |
Average earning assets | $59,260,250 | 5,084 |
Average equity | $5,464,250 | 5,433 |
Average total loans | $28,516,500 | 5,292 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8740% | 5,754 |
Cost of funding earning assets | 0.2330% | 4,820 |
Net interest margin | 2.6410% | 5,629 |
Noninterest income to average assets | 0.3149% | 4,526 |
Noninterest expense to average assets | 1.9942% | 5,279 |
Loan and lease loss provision to assets | 0.0328% | 3,490 |
Net operating income to assets | 0.8528% | 3,086 |
Return on assets (ROA) | 0.8528% | 3,203 |
Pretax return on assets | 0.8528% | 4,110 |
Return on Equity (ROE) | 9.5629% | 2,248 |
Retained earnings to average equity (ytd only) | 1.4712% | 4,790 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.2483% | 3,106 |
Assets per employee ($millions) | 4.9416% | 2,367 |
Cash dividends to net income (ytd only)* | 84.6154% | 798 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9791% | 4,618 |
Loan loss allowance to noncurrent loans | 1,864.2857% | 344 |
Noncurrent assets plus other real estate owned to assets | 0.0236% | 5,499 |
Noncurrent loans to loans | 0.0525% | 5,251 |
Net loans and leases to total assets | 44.5134% | 5,200 |
Net loans and leases to deposits | 49.1921% | 5,374 |
Net loans and leases to core deposits | 49.9442% | 5,435 |
Total domestic deposits to total assets | 90.4889% | 319 |
Equity capital to assets | 9.3408% | 4,929 |
Core capital (leverage) ratio | 8.4685% | 5,390 |
Tier 1 risk-based capital ratio | 15.5667% | 2,831 |
Total risk-based capital ratio | 16.3565% | 2,960 |
Memoranda: | ||
Average total assets | $60,975,330 | 5,224 |
Average earning assets | $59,220,330 | 5,134 |
Average equity | $5,437,670 | 5,486 |
Average total loans | $28,194,000 | 5,360 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8600% | 5,819 |
Cost of funding earning assets | 0.2267% | 4,936 |
Net interest margin | 2.6333% | 5,688 |
Noninterest income to average assets | 0.3041% | 4,546 |
Noninterest expense to average assets | 1.8831% | 5,547 |
Loan and lease loss provision to assets | 0.0647% | 2,665 |
Net operating income to assets | 0.9124% | 2,688 |
Return on assets (ROA) | 0.9124% | 2,806 |
Pretax return on assets | 0.9124% | 3,792 |
Return on Equity (ROE) | 10.4696% | 1,790 |
Retained earnings to average equity (ytd only) | 2.3018% | 4,333 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8371% | 3,831 |
Assets per employee ($millions) | 5.0538% | 2,284 |
Cash dividends to net income (ytd only)* | 78.0142% | 1,027 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9458% | 4,873 |
Loan loss allowance to noncurrent loans | 318.2927% | 1,533 |
Noncurrent assets plus other real estate owned to assets | 0.1352% | 5,033 |
Noncurrent loans to loans | 0.2971% | 4,367 |
Net loans and leases to total assets | 45.0738% | 5,178 |
Net loans and leases to deposits | 49.6062% | 5,363 |
Net loans and leases to core deposits | 50.1127% | 5,435 |
Total domestic deposits to total assets | 90.8632% | 308 |
Equity capital to assets | 8.9950% | 5,174 |
Core capital (leverage) ratio | 8.3643% | 5,502 |
Tier 1 risk-based capital ratio | 15.4202% | 2,962 |
Total risk-based capital ratio | 16.2038% | 3,117 |
Memoranda: | ||
Average total assets | $61,813,500 | 5,246 |
Average earning assets | $60,000,500 | 5,159 |
Average equity | $5,387,000 | 5,533 |
Average total loans | $28,962,500 | 5,376 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8783% | 5,830 |
Cost of funding earning assets | 0.2300% | 5,010 |
Net interest margin | 2.6483% | 5,708 |
Noninterest income to average assets | 0.3595% | 4,328 |
Noninterest expense to average assets | 1.9061% | 5,610 |
Loan and lease loss provision to assets | 0.0164% | 4,081 |
Net operating income to assets | 1.0080% | 2,322 |
Return on assets (ROA) | 1.0080% | 2,409 |
Pretax return on assets | 1.0080% | 3,440 |
Return on Equity (ROE) | 11.5770% | 1,417 |
Retained earnings to average equity (ytd only) | 2.8094% | 4,070 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.0420% | 4,073 |
Assets per employee ($millions) | 5.2485% | 2,060 |
Cash dividends to net income (ytd only)* | 75.7329% | 1,016 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8276% | 5,332 |
Loan loss allowance to noncurrent loans | 1,673.3333% | 383 |
Noncurrent assets plus other real estate owned to assets | 0.0238% | 5,597 |
Noncurrent loans to loans | 0.0495% | 5,317 |
Net loans and leases to total assets | 47.7565% | 5,033 |
Net loans and leases to deposits | 52.2687% | 5,273 |
Net loans and leases to core deposits | 52.7786% | 5,383 |
Total domestic deposits to total assets | 91.3674% | 201 |
Equity capital to assets | 8.4453% | 5,608 |
Core capital (leverage) ratio | 8.3982% | 5,527 |
Tier 1 risk-based capital ratio | 14.4026% | 3,493 |
Total risk-based capital ratio | 15.1107% | 3,727 |
Memoranda: | ||
Average total assets | $60,911,200 | 5,301 |
Average earning assets | $59,131,600 | 5,213 |
Average equity | $5,303,600 | 5,582 |
Average total loans | $28,686,400 | 5,416 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8720% | 5,918 |
Cost of funding earning assets | 0.2297% | 5,095 |
Net interest margin | 2.6423% | 5,794 |
Noninterest income to average assets | 0.3819% | 4,202 |
Noninterest expense to average assets | 1.8854% | 5,661 |
Loan and lease loss provision to assets | 0.0221% | 3,834 |
Net operating income to assets | 1.0398% | 2,275 |
Return on assets (ROA) | 1.0398% | 2,369 |
Pretax return on assets | 1.0398% | 3,463 |
Return on Equity (ROE) | 11.8492% | 1,415 |
Retained earnings to average equity (ytd only) | 3.2956% | 4,124 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9700% | 4,254 |
Assets per employee ($millions) | 5.0001% | 2,296 |
Cash dividends to net income (ytd only)* | 72.1870% | 951 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8522% | 5,364 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 48.6709% | 5,036 |
Net loans and leases to deposits | 54.9032% | 5,192 |
Net loans and leases to core deposits | 55.4831% | 5,333 |
Total domestic deposits to total assets | 88.6485% | 1,208 |
Equity capital to assets | 8.9649% | 5,339 |
Core capital (leverage) ratio | 8.4453% | 5,592 |
Tier 1 risk-based capital ratio | 14.6735% | 3,456 |
Total risk-based capital ratio | 15.3975% | 3,699 |
Memoranda: | ||
Average total assets | $60,393,500 | 5,380 |
Average earning assets | $58,634,000 | 5,285 |
Average equity | $5,299,750 | 5,651 |
Average total loans | $28,275,750 | 5,496 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8103% | 6,009 |
Cost of funding earning assets | 0.2280% | 5,165 |
Net interest margin | 2.5824% | 5,898 |
Noninterest income to average assets | 0.3767% | 4,255 |
Noninterest expense to average assets | 1.8571% | 5,773 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.0277% | 2,245 |
Return on assets (ROA) | 1.0277% | 2,362 |
Pretax return on assets | 1.0277% | 3,467 |
Return on Equity (ROE) | 11.7952% | 1,433 |
Retained earnings to average equity (ytd only) | 3.8306% | 3,567 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.3757% | 4,295 |
Assets per employee ($millions) | 4.9218% | 2,371 |
Cash dividends to net income (ytd only)* | 67.5241% | 1,282 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8771% | 5,382 |
Loan loss allowance to noncurrent loans | 2,008.3333% | 291 |
Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,813 |
Noncurrent loans to loans | 0.0437% | 5,574 |
Net loans and leases to total assets | 46.1126% | 5,235 |
Net loans and leases to deposits | 50.7680% | 5,462 |
Net loans and leases to core deposits | 51.2987% | 5,563 |
Total domestic deposits to total assets | 90.8300% | 345 |
Equity capital to assets | 8.9668% | 5,270 |
Core capital (leverage) ratio | 8.2583% | 5,744 |
Tier 1 risk-based capital ratio | 15.4266% | 3,145 |
Total risk-based capital ratio | 16.1618% | 3,339 |
Memoranda: | ||
Average total assets | $60,524,330 | 5,436 |
Average earning assets | $58,783,330 | 5,336 |
Average equity | $5,273,330 | 5,714 |
Average total loans | $27,883,000 | 5,560 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7182% | 6,122 |
Cost of funding earning assets | 0.2288% | 5,233 |
Net interest margin | 2.4895% | 6,028 |
Noninterest income to average assets | 0.4440% | 3,673 |
Noninterest expense to average assets | 1.8088% | 5,886 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.0513% | 2,029 |
Return on assets (ROA) | 1.0513% | 2,172 |
Pretax return on assets | 1.0513% | 3,295 |
Return on Equity (ROE) | 12.2387% | 1,284 |
Retained earnings to average equity (ytd only) | 4.6370% | 3,247 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.2420% | 4,594 |
Assets per employee ($millions) | 5.5892% | 1,720 |
Cash dividends to net income (ytd only)* | 62.1118% | 1,373 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9062% | 5,426 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 42.8636% | 5,431 |
Net loans and leases to deposits | 46.9993% | 5,620 |
Net loans and leases to core deposits | 47.4692% | 5,690 |
Total domestic deposits to total assets | 91.2005% | 294 |
Equity capital to assets | 8.6466% | 5,615 |
Core capital (leverage) ratio | 7.9316% | 5,980 |
Tier 1 risk-based capital ratio | 16.1365% | 2,858 |
Total risk-based capital ratio | 16.9116% | 3,017 |
Memoranda: | ||
Average total assets | $61,255,500 | 5,471 |
Average earning assets | $59,450,500 | 5,372 |
Average equity | $5,262,000 | 5,767 |
Average total loans | $28,086,500 | 5,594 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6539% | 6,280 |
Cost of funding earning assets | 0.2345% | 5,471 |
Net interest margin | 2.4194% | 6,214 |
Noninterest income to average assets | 0.3821% | 4,325 |
Noninterest expense to average assets | 1.8552% | 6,000 |
Loan and lease loss provision to assets | 0.0518% | 3,521 |
Net operating income to assets | 0.8305% | 3,222 |
Return on assets (ROA) | 0.8499% | 3,218 |
Pretax return on assets | 0.8499% | 4,076 |
Return on Equity (ROE) | 10.3139% | 1,980 |
Retained earnings to average equity (ytd only) | 2.2592% | 4,633 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.7705% | 3,933 |
Assets per employee ($millions) | 5.5482% | 1,733 |
Cash dividends to net income (ytd only)* | 78.0952% | 971 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8148% | 5,739 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 48.0714% | 5,148 |
Net loans and leases to deposits | 52.6790% | 5,433 |
Net loans and leases to core deposits | 53.2093% | 5,550 |
Total domestic deposits to total assets | 91.2535% | 282 |
Equity capital to assets | 8.5335% | 5,717 |
Core capital (leverage) ratio | 8.0520% | 5,963 |
Tier 1 risk-based capital ratio | 14.4849% | 3,785 |
Total risk-based capital ratio | 15.1892% | 4,069 |
Memoranda: | ||
Average total assets | $61,771,800 | 5,506 |
Average earning assets | $60,138,400 | 5,389 |
Average equity | $5,090,200 | 5,832 |
Average total loans | $26,316,600 | 5,729 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5868% | 6,382 |
Cost of funding earning assets | 0.2340% | 5,562 |
Net interest margin | 2.3528% | 6,318 |
Noninterest income to average assets | 0.3379% | 4,731 |
Noninterest expense to average assets | 1.8055% | 6,080 |
Loan and lease loss provision to assets | 0.0430% | 3,537 |
Net operating income to assets | 0.7833% | 3,496 |
Return on assets (ROA) | 0.7941% | 3,555 |
Pretax return on assets | 0.7941% | 4,385 |
Return on Equity (ROE) | 9.7217% | 2,342 |
Retained earnings to average equity (ytd only) | 1.6861% | 5,205 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6018% | 3,748 |
Assets per employee ($millions) | 5.4914% | 1,732 |
Cash dividends to net income (ytd only)* | 82.6562% | 677 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8300% | 5,794 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 45.2959% | 5,430 |
Net loans and leases to deposits | 49.6804% | 5,671 |
Net loans and leases to core deposits | 50.1853% | 5,779 |
Total domestic deposits to total assets | 91.1746% | 312 |
Equity capital to assets | 8.4678% | 5,821 |
Core capital (leverage) ratio | 8.0386% | 6,045 |
Tier 1 risk-based capital ratio | 15.1064% | 3,530 |
Total risk-based capital ratio | 15.8118% | 3,791 |
Memoranda: | ||
Average total assets | $61,957,250 | 5,565 |
Average earning assets | $60,409,000 | 5,443 |
Average equity | $5,060,750 | 5,902 |
Average total loans | $25,501,000 | 5,818 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4964% | 6,478 |
Cost of funding earning assets | 0.2329% | 5,644 |
Net interest margin | 2.2635% | 6,428 |
Noninterest income to average assets | 0.3361% | 4,738 |
Noninterest expense to average assets | 1.7991% | 6,148 |
Loan and lease loss provision to assets | 0.0320% | 3,644 |
Net operating income to assets | 0.7139% | 3,765 |
Return on assets (ROA) | 0.7299% | 3,773 |
Pretax return on assets | 0.7299% | 4,535 |
Return on Equity (ROE) | 9.0428% | 2,572 |
Retained earnings to average equity (ytd only) | 1.7054% | 5,051 |
Net charge-offs to loans | 0.0081% | 4,122 |
Credit loss provision to net charge-offs | 1,000.0000% | 322 |
Earnings coverage of net charge-offs (x) | 233.0000% | 292 |
Efficiency ratio | 70.6918% | 3,536 |
Assets per employee ($millions) | 5.6407% | 1,572 |
Cash dividends to net income (ytd only)* | 81.1404% | 867 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8733% | 5,800 |
Loan loss allowance to noncurrent loans | 1,816.6667% | 304 |
Noncurrent assets plus other real estate owned to assets | 0.0193% | 6,173 |
Noncurrent loans to loans | 0.0481% | 5,907 |
Net loans and leases to total assets | 39.8804% | 5,824 |
Net loans and leases to deposits | 43.7817% | 5,996 |
Net loans and leases to core deposits | 44.2151% | 6,056 |
Total domestic deposits to total assets | 91.0892% | 385 |
Equity capital to assets | 8.2468% | 5,994 |
Core capital (leverage) ratio | 7.9145% | 6,151 |
Tier 1 risk-based capital ratio | 16.2545% | 2,956 |
Total risk-based capital ratio | 16.9801% | 3,172 |
Memoranda: | ||
Average total assets | $62,474,670 | 5,599 |
Average earning assets | $60,968,330 | 5,480 |
Average equity | $5,042,670 | 5,947 |
Average total loans | $24,804,670 | 5,894 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4243% | 6,566 |
Cost of funding earning assets | 0.2222% | 5,831 |
Net interest margin | 2.2021% | 6,523 |
Noninterest income to average assets | 0.2744% | 5,178 |
Noninterest expense to average assets | 1.8568% | 6,134 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.5679% | 4,362 |
Return on assets (ROA) | 0.5998% | 4,281 |
Pretax return on assets | 0.5998% | 4,830 |
Return on Equity (ROE) | 7.5117% | 3,194 |
Retained earnings to average equity (ytd only) | 1.5183% | 5,001 |
Net charge-offs to loans | 0.0162% | 3,266 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 89.0000% | 501 |
Efficiency ratio | 76.5789% | 2,717 |
Assets per employee ($millions) | 5.7253% | 1,514 |
Cash dividends to net income (ytd only)* | 79.7872% | 967 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9069% | 5,850 |
Loan loss allowance to noncurrent loans | 1,733.3333% | 327 |
Noncurrent assets plus other real estate owned to assets | 0.0191% | 6,252 |
Noncurrent loans to loans | 0.0523% | 5,993 |
Net loans and leases to total assets | 36.0872% | 6,068 |
Net loans and leases to deposits | 39.3024% | 6,193 |
Net loans and leases to core deposits | 39.6819% | 6,250 |
Total domestic deposits to total assets | 91.8194% | 293 |
Equity capital to assets | 8.0218% | 6,044 |
Core capital (leverage) ratio | 7.6868% | 6,271 |
Tier 1 risk-based capital ratio | 17.0205% | 2,679 |
Total risk-based capital ratio | 17.7491% | 2,868 |
Memoranda: | ||
Average total assets | $62,688,000 | 5,651 |
Average earning assets | $61,213,500 | 5,534 |
Average equity | $5,005,500 | 5,994 |
Average total loans | $24,725,500 | 5,949 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4322% | 6,634 |
Cost of funding earning assets | 0.2799% | 5,762 |
Net interest margin | 2.1523% | 6,597 |
Noninterest income to average assets | 0.3156% | 5,083 |
Noninterest expense to average assets | 1.8221% | 6,285 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.5824% | 4,346 |
Return on assets (ROA) | 0.5824% | 4,459 |
Pretax return on assets | 0.5824% | 4,923 |
Return on Equity (ROE) | 7.1715% | 3,476 |
Retained earnings to average equity (ytd only) | 0.9615% | 5,408 |
Net charge-offs to loans | -0.0168% | 6,110 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.7781% | 2,810 |
Assets per employee ($millions) | 5.1998% | 1,963 |
Cash dividends to net income (ytd only)* | 86.5922% | 727 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7882% | 6,196 |
Loan loss allowance to noncurrent loans | 1,492.8571% | 377 |
Noncurrent assets plus other real estate owned to assets | 0.0224% | 6,334 |
Noncurrent loans to loans | 0.0528% | 6,074 |
Net loans and leases to total assets | 42.1600% | 5,815 |
Net loans and leases to deposits | 45.9086% | 6,019 |
Net loans and leases to core deposits | 46.3559% | 6,120 |
Total domestic deposits to total assets | 91.8347% | 318 |
Equity capital to assets | 7.9474% | 6,059 |
Core capital (leverage) ratio | 7.9717% | 6,154 |
Tier 1 risk-based capital ratio | 15.2436% | 3,524 |
Total risk-based capital ratio | 15.9019% | 3,811 |
Memoranda: | ||
Average total assets | $61,468,000 | 5,717 |
Average earning assets | $59,658,000 | 5,602 |
Average equity | $4,992,000 | 6,070 |
Average total loans | $23,773,600 | 6,045 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3499% | 6,738 |
Cost of funding earning assets | 0.2853% | 5,848 |
Net interest margin | 2.0646% | 6,708 |
Noninterest income to average assets | 0.3375% | 4,990 |
Noninterest expense to average assets | 1.7593% | 6,400 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.5792% | 4,433 |
Return on assets (ROA) | 0.5792% | 4,566 |
Pretax return on assets | 0.5792% | 5,102 |
Return on Equity (ROE) | 7.0928% | 3,592 |
Retained earnings to average equity (ytd only) | 1.7599% | 5,258 |
Net charge-offs to loans | -0.0231% | 6,091 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.2328% | 2,861 |
Assets per employee ($millions) | 5.0142% | 2,147 |
Cash dividends to net income (ytd only)* | 75.1875% | 914 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8165% | 6,246 |
Loan loss allowance to noncurrent loans | 1,741.6667% | 298 |
Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,432 |
Noncurrent loans to loans | 0.0469% | 6,205 |
Net loans and leases to total assets | 42.1921% | 5,890 |
Net loans and leases to deposits | 46.1129% | 6,091 |
Net loans and leases to core deposits | 46.5799% | 6,188 |
Total domestic deposits to total assets | 91.4974% | 371 |
Equity capital to assets | 8.2982% | 5,918 |
Core capital (leverage) ratio | 8.2250% | 6,039 |
Tier 1 risk-based capital ratio | 15.7850% | 3,308 |
Total risk-based capital ratio | 16.4641% | 3,577 |
Memoranda: | ||
Average total assets | $61,235,500 | 5,788 |
Average earning assets | $59,348,000 | 5,669 |
Average equity | $5,000,250 | 6,137 |
Average total loans | $23,088,000 | 6,136 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2455% | 6,809 |
Cost of funding earning assets | 0.2874% | 5,924 |
Net interest margin | 1.9581% | 6,780 |
Noninterest income to average assets | 0.3345% | 5,014 |
Noninterest expense to average assets | 1.7503% | 6,449 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.4871% | 4,854 |
Return on assets (ROA) | 0.4871% | 5,030 |
Pretax return on assets | 0.4871% | 5,416 |
Return on Equity (ROE) | 5.9968% | 4,178 |
Retained earnings to average equity (ytd only) | 1.1994% | 5,423 |
Net charge-offs to loans | -0.0360% | 6,142 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.2293% | 2,422 |
Assets per employee ($millions) | 4.7916% | 2,393 |
Cash dividends to net income (ytd only)* | 80.0000% | 906 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9216% | 6,073 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 39.0789% | 6,104 |
Net loans and leases to deposits | 42.8702% | 6,289 |
Net loans and leases to core deposits | 43.0773% | 6,366 |
Total domestic deposits to total assets | 91.1564% | 491 |
Equity capital to assets | 8.6402% | 5,626 |
Core capital (leverage) ratio | 8.0941% | 6,114 |
Tier 1 risk-based capital ratio | 17.2918% | 2,592 |
Total risk-based capital ratio | 18.0413% | 2,764 |
Memoranda: | ||
Average total assets | $61,590,670 | 5,820 |
Average earning assets | $59,854,000 | 5,698 |
Average equity | $5,002,670 | 6,182 |
Average total loans | $22,252,000 | 6,208 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1199% | 6,913 |
Cost of funding earning assets | 0.2908% | 6,037 |
Net interest margin | 1.8290% | 6,884 |
Noninterest income to average assets | 0.2954% | 5,344 |
Noninterest expense to average assets | 1.6909% | 6,566 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3834% | 5,193 |
Return on assets (ROA) | 0.3834% | 5,338 |
Pretax return on assets | 0.3834% | 5,616 |
Return on Equity (ROE) | 4.8606% | 4,657 |
Retained earnings to average equity (ytd only) | 4.8606% | 3,323 |
Net charge-offs to loans | -0.0545% | 6,168 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.5152% | 2,112 |
Assets per employee ($millions) | 5.2768% | 1,891 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9762% | 6,063 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 33.3223% | 6,449 |
Net loans and leases to deposits | 36.2668% | 6,564 |
Net loans and leases to core deposits | 36.9023% | 6,597 |
Total domestic deposits to total assets | 91.8811% | 268 |
Equity capital to assets | 7.9658% | 6,396 |
Core capital (leverage) ratio | 7.5092% | 6,467 |
Tier 1 risk-based capital ratio | 18.5031% | 2,194 |
Total risk-based capital ratio | 19.2962% | 2,307 |
Memoranda: | ||
Average total assets | $63,636,500 | 5,814 |
Average earning assets | $61,890,500 | 5,682 |
Average equity | $5,020,000 | 6,237 |
Average total loans | $22,038,500 | 6,275 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5913% | 6,907 |
Cost of funding earning assets | 0.4457% | 5,614 |
Net interest margin | 2.1456% | 6,891 |
Noninterest income to average assets | 0.4453% | 4,280 |
Noninterest expense to average assets | 1.9694% | 6,386 |
Loan and lease loss provision to assets | -0.4110% | 7,032 |
Net operating income to assets | 0.9642% | 2,483 |
Return on assets (ROA) | 0.9642% | 2,720 |
Pretax return on assets | 0.9642% | 3,686 |
Return on Equity (ROE) | 10.8253% | 1,864 |
Retained earnings to average equity (ytd only) | -2.8265% | 6,251 |
Net charge-offs to loans | -1.4209% | 7,033 |
Credit loss provision to net charge-offs | 78.4314% | 3,875 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.0720% | 2,436 |
Assets per employee ($millions) | 5.3293% | 1,862 |
Cash dividends to net income (ytd only)* | 126.1101% | 299 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9003% | 6,262 |
Loan loss allowance to noncurrent loans | 1,576.9231% | 327 |
Noncurrent assets plus other real estate owned to assets | 0.0203% | 6,621 |
Noncurrent loans to loans | 0.0571% | 6,350 |
Net loans and leases to total assets | 35.2827% | 6,479 |
Net loans and leases to deposits | 38.3604% | 6,624 |
Net loans and leases to core deposits | 38.5255% | 6,655 |
Total domestic deposits to total assets | 91.9768% | 247 |
Equity capital to assets | 7.8121% | 6,493 |
Core capital (leverage) ratio | 8.1009% | 6,088 |
Tier 1 risk-based capital ratio | 17.2753% | 2,535 |
Total risk-based capital ratio | 18.0143% | 2,730 |
Memoranda: | ||
Average total assets | $58,392,000 | 5,962 |
Average earning assets | $56,535,200 | 5,848 |
Average equity | $5,200,800 | 6,246 |
Average total loans | $21,536,000 | 6,359 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6506% | 7,015 |
Cost of funding earning assets | 0.4712% | 5,627 |
Net interest margin | 2.1794% | 6,996 |
Noninterest income to average assets | 0.4538% | 4,265 |
Noninterest expense to average assets | 1.8946% | 6,533 |
Loan and lease loss provision to assets | -0.5614% | 7,148 |
Net operating income to assets | 1.2303% | 1,628 |
Return on assets (ROA) | 1.2303% | 1,802 |
Pretax return on assets | 1.2303% | 2,869 |
Return on Equity (ROE) | 13.3534% | 1,255 |
Retained earnings to average equity (ytd only) | 1.0409% | 5,751 |
Net charge-offs to loans | -1.9471% | 7,132 |
Credit loss provision to net charge-offs | 77.4194% | 3,695 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9051% | 3,001 |
Assets per employee ($millions) | 4.7820% | 2,486 |
Cash dividends to net income (ytd only)* | 92.2047% | 425 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9328% | 6,290 |
Loan loss allowance to noncurrent loans | 20,900.0000% | 23 |
Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,816 |
Noncurrent loans to loans | 0.0045% | 6,679 |
Net loans and leases to total assets | 38.6815% | 6,378 |
Net loans and leases to deposits | 43.4894% | 6,529 |
Net loans and leases to core deposits | 43.7052% | 6,611 |
Total domestic deposits to total assets | 88.9447% | 1,465 |
Equity capital to assets | 9.0809% | 5,738 |
Core capital (leverage) ratio | 8.5586% | 5,679 |
Tier 1 risk-based capital ratio | 18.5484% | 2,145 |
Total risk-based capital ratio | 19.3267% | 2,281 |
Memoranda: | ||
Average total assets | $57,002,000 | 6,068 |
Average earning assets | $55,181,750 | 5,957 |
Average equity | $5,252,000 | 6,289 |
Average total loans | $21,227,750 | 6,453 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6089% | 7,099 |
Cost of funding earning assets | 0.4826% | 5,738 |
Net interest margin | 2.1263% | 7,071 |
Noninterest income to average assets | 0.4501% | 4,284 |
Noninterest expense to average assets | 1.8743% | 6,652 |
Loan and lease loss provision to assets | -0.8440% | 7,221 |
Net operating income to assets | 1.4804% | 1,026 |
Return on assets (ROA) | 1.4804% | 1,151 |
Pretax return on assets | 1.4804% | 1,920 |
Return on Equity (ROE) | 15.9904% | 770 |
Retained earnings to average equity (ytd only) | 1.3673% | 5,509 |
Net charge-offs to loans | -2.9758% | 7,195 |
Credit loss provision to net charge-offs | 77.4194% | 3,389 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.6499% | 2,959 |
Assets per employee ($millions) | 5.0908% | 2,044 |
Cash dividends to net income (ytd only)* | 91.4489% | 570 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0193% | 6,077 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 33.2220% | 6,761 |
Net loans and leases to deposits | 37.0509% | 6,839 |
Net loans and leases to core deposits | 37.2215% | 6,885 |
Total domestic deposits to total assets | 89.6659% | 1,117 |
Equity capital to assets | 8.5171% | 6,196 |
Core capital (leverage) ratio | 8.2681% | 5,966 |
Tier 1 risk-based capital ratio | 20.1956% | 1,664 |
Total risk-based capital ratio | 21.0439% | 1,728 |
Memoranda: | ||
Average total assets | $56,874,670 | 6,112 |
Average earning assets | $55,119,000 | 5,992 |
Average equity | $5,265,670 | 6,313 |
Average total loans | $20,835,000 | 6,520 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7602% | 7,123 |
Cost of funding earning assets | 0.5128% | 5,733 |
Net interest margin | 2.2474% | 7,078 |
Noninterest income to average assets | 0.4674% | 4,164 |
Noninterest expense to average assets | 1.9208% | 6,607 |
Loan and lease loss provision to assets | -1.7529% | 7,296 |
Net operating income to assets | 2.4759% | 187 |
Return on assets (ROA) | 2.4759% | 226 |
Pretax return on assets | 2.4759% | 342 |
Return on Equity (ROE) | 25.5994% | 170 |
Retained earnings to average equity (ytd only) | 21.0685% | 158 |
Net charge-offs to loans | -5.9046% | 7,259 |
Credit loss provision to net charge-offs | 77.4194% | 2,776 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.6519% | 3,318 |
Assets per employee ($millions) | 4.6978% | 2,664 |
Cash dividends to net income (ytd only)* | 17.6991% | 2,393 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1732% | 5,624 |
Loan loss allowance to noncurrent loans | 20,900.0000% | 28 |
Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,959 |
Noncurrent loans to loans | 0.0056% | 6,789 |
Net loans and leases to total assets | 31.2307% | 6,865 |
Net loans and leases to deposits | 35.2988% | 6,911 |
Net loans and leases to core deposits | 35.4774% | 6,957 |
Total domestic deposits to total assets | 88.4752% | 2,024 |
Equity capital to assets | 9.5700% | 4,693 |
Core capital (leverage) ratio | 8.5673% | 5,482 |
Tier 1 risk-based capital ratio | 23.3994% | 1,082 |
Total risk-based capital ratio | 24.3364% | 1,105 |
Memoranda: | ||
Average total assets | $54,767,500 | 6,209 |
Average earning assets | $53,039,500 | 6,097 |
Average equity | $5,297,000 | 6,337 |
Average total loans | $21,000,500 | 6,564 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3270% | 7,087 |
Cost of funding earning assets | 0.6530% | 5,809 |
Net interest margin | 2.6740% | 6,946 |
Noninterest income to average assets | 0.4450% | 4,263 |
Noninterest expense to average assets | 2.1087% | 6,478 |
Loan and lease loss provision to assets | 0.4813% | 2,196 |
Net operating income to assets | 0.4049% | 4,838 |
Return on assets (ROA) | 0.5940% | 4,207 |
Pretax return on assets | 0.5940% | 4,715 |
Return on Equity (ROE) | 6.1829% | 3,781 |
Retained earnings to average equity (ytd only) | 0.8151% | 5,478 |
Net charge-offs to loans | 2.1264% | 621 |
Credit loss provision to net charge-offs | 52.9412% | 5,352 |
Earnings coverage of net charge-offs (x) | 0.9748% | 5,066 |
Efficiency ratio | 70.4082% | 3,865 |
Assets per employee ($millions) | 4.4301% | 3,019 |
Cash dividends to net income (ytd only)* | 86.8167% | 592 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5747% | 7,033 |
Loan loss allowance to noncurrent loans | 79.8851% | 3,660 |
Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,155 |
Noncurrent loans to loans | 0.7194% | 5,260 |
Net loans and leases to total assets | 45.2343% | 6,085 |
Net loans and leases to deposits | 51.3561% | 6,264 |
Net loans and leases to core deposits | 51.6329% | 6,445 |
Total domestic deposits to total assets | 88.0796% | 2,102 |
Equity capital to assets | 9.7797% | 4,467 |
Core capital (leverage) ratio | 8.7442% | 5,185 |
Tier 1 risk-based capital ratio | 17.2451% | 2,491 |
Total risk-based capital ratio | 17.7304% | 2,796 |
Memoranda: | ||
Average total assets | $52,354,600 | 6,293 |
Average earning assets | $49,925,200 | 6,193 |
Average equity | $5,030,000 | 6,436 |
Average total loans | $22,384,800 | 6,536 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3019% | 7,177 |
Cost of funding earning assets | 0.6835% | 5,861 |
Net interest margin | 2.6184% | 7,059 |
Noninterest income to average assets | 0.3784% | 4,834 |
Noninterest expense to average assets | 2.0554% | 6,583 |
Loan and lease loss provision to assets | 0.5803% | 1,694 |
Net operating income to assets | 0.2301% | 5,618 |
Return on assets (ROA) | 0.4832% | 4,811 |
Pretax return on assets | 0.4832% | 5,216 |
Return on Equity (ROE) | 5.0522% | 4,511 |
Retained earnings to average equity (ytd only) | 0.7753% | 5,703 |
Net charge-offs to loans | 2.8934% | 336 |
Credit loss provision to net charge-offs | 47.6891% | 5,083 |
Earnings coverage of net charge-offs (x) | 0.6660% | 5,125 |
Efficiency ratio | 71.7217% | 3,610 |
Assets per employee ($millions) | 4.3158% | 3,248 |
Cash dividends to net income (ytd only)* | 84.6581% | 527 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5082% | 7,163 |
Loan loss allowance to noncurrent loans | 61.2903% | 4,397 |
Noncurrent assets plus other real estate owned to assets | 0.3591% | 6,182 |
Noncurrent loans to loans | 0.8292% | 5,212 |
Net loans and leases to total assets | 43.0894% | 6,424 |
Net loans and leases to deposits | 49.0764% | 6,563 |
Net loans and leases to core deposits | 49.0764% | 6,711 |
Total domestic deposits to total assets | 87.8007% | 2,166 |
Equity capital to assets | 10.0270% | 4,305 |
Core capital (leverage) ratio | 9.4907% | 4,162 |
Tier 1 risk-based capital ratio | 18.2164% | 2,180 |
Total risk-based capital ratio | 18.6379% | 2,460 |
Memoranda: | ||
Average total assets | $52,153,000 | 6,353 |
Average earning assets | $49,545,500 | 6,263 |
Average equity | $4,987,750 | 6,504 |
Average total loans | $21,934,500 | 6,620 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2052% | 7,281 |
Cost of funding earning assets | 0.7096% | 5,907 |
Net interest margin | 2.4956% | 7,189 |
Noninterest income to average assets | 0.3711% | 4,897 |
Noninterest expense to average assets | 2.1043% | 6,583 |
Loan and lease loss provision to assets | 0.8685% | 1,035 |
Net operating income to assets | -0.2334% | 6,499 |
Return on assets (ROA) | 0.1454% | 5,991 |
Pretax return on assets | 0.1454% | 6,029 |
Return on Equity (ROE) | 1.5449% | 5,922 |
Retained earnings to average equity (ytd only) | -0.4879% | 5,962 |
Net charge-offs to loans | 4.3731% | 169 |
Credit loss provision to net charge-offs | 47.6891% | 4,643 |
Earnings coverage of net charge-offs (x) | 0.3487% | 5,045 |
Efficiency ratio | 76.8156% | 2,885 |
Assets per employee ($millions) | 4.3366% | 3,105 |
Cash dividends to net income (ytd only)* | 131.5789% | 248 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5587% | 7,188 |
Loan loss allowance to noncurrent loans | 66.6667% | 4,106 |
Noncurrent assets plus other real estate owned to assets | 1.0627% | 4,762 |
Noncurrent loans to loans | 0.8380% | 5,256 |
Net loans and leases to total assets | 38.9919% | 6,802 |
Net loans and leases to deposits | 44.2552% | 6,914 |
Net loans and leases to core deposits | 44.2552% | 6,997 |
Total domestic deposits to total assets | 88.1070% | 2,073 |
Equity capital to assets | 9.7446% | 4,470 |
Core capital (leverage) ratio | 9.0515% | 4,644 |
Tier 1 risk-based capital ratio | 19.2256% | 1,778 |
Total risk-based capital ratio | 19.6742% | 1,985 |
Memoranda: | ||
Average total assets | $52,274,000 | 6,401 |
Average earning assets | $49,606,670 | 6,313 |
Average equity | $4,919,330 | 6,562 |
Average total loans | $21,769,330 | 6,698 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1002% | 7,374 |
Cost of funding earning assets | 0.7351% | 5,950 |
Net interest margin | 2.3651% | 7,272 |
Noninterest income to average assets | 0.3817% | 4,858 |
Noninterest expense to average assets | 2.0996% | 6,635 |
Loan and lease loss provision to assets | 1.7331% | 339 |
Net operating income to assets | -1.1910% | 7,094 |
Return on assets (ROA) | -1.1834% | 7,095 |
Pretax return on assets | -1.1834% | 7,052 |
Return on Equity (ROE) | -12.8007% | 7,092 |
Retained earnings to average equity (ytd only) | -16.9299% | 7,092 |
Net charge-offs to loans | 8.4805% | 50 |
Credit loss provision to net charge-offs | 47.6891% | 3,806 |
Earnings coverage of net charge-offs (x) | 0.1492% | 4,491 |
Efficiency ratio | 79.4798% | 2,622 |
Assets per employee ($millions) | 4.4934% | 2,902 |
Cash dividends to net income (ytd only)* | -32.2581% | 7,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5906% | 7,214 |
Loan loss allowance to noncurrent loans | 55.3398% | 4,687 |
Noncurrent assets plus other real estate owned to assets | 1.0256% | 4,855 |
Noncurrent loans to loans | 1.0673% | 4,916 |
Net loans and leases to total assets | 35.5835% | 7,019 |
Net loans and leases to deposits | 39.9679% | 7,102 |
Net loans and leases to core deposits | 39.9679% | 7,166 |
Total domestic deposits to total assets | 89.0302% | 1,755 |
Equity capital to assets | 8.9093% | 5,332 |
Core capital (leverage) ratio | 8.6536% | 5,165 |
Tier 1 risk-based capital ratio | 19.1036% | 1,775 |
Total risk-based capital ratio | 19.5677% | 1,969 |
Memoranda: | ||
Average total assets | $52,391,500 | 6,441 |
Average earning assets | $50,061,000 | 6,342 |
Average equity | $4,843,500 | 6,606 |
Average total loans | $22,451,500 | 6,714 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8029% | 7,251 |
Cost of funding earning assets | 0.9502% | 5,935 |
Net interest margin | 2.8527% | 6,970 |
Noninterest income to average assets | 0.4201% | 4,743 |
Noninterest expense to average assets | 2.1218% | 6,793 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.9944% | 2,060 |
Return on assets (ROA) | 0.9963% | 2,154 |
Pretax return on assets | 0.9963% | 2,941 |
Return on Equity (ROE) | 10.4083% | 1,788 |
Retained earnings to average equity (ytd only) | -0.2617% | 5,661 |
Net charge-offs to loans | 0.0669% | 6,127 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 32.2500% | 691 |
Efficiency ratio | 68.0891% | 4,546 |
Assets per employee ($millions) | 4.2385% | 3,311 |
Cash dividends to net income (ytd only)* | 102.5145% | 354 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4179% | 4,435 |
Loan loss allowance to noncurrent loans | 31.9542% | 6,176 |
Noncurrent assets plus other real estate owned to assets | 2.2335% | 3,051 |
Noncurrent loans to loans | 4.4372% | 1,604 |
Net loans and leases to total assets | 49.6225% | 6,197 |
Net loans and leases to deposits | 56.2994% | 6,416 |
Net loans and leases to core deposits | 57.2053% | 6,622 |
Total domestic deposits to total assets | 88.1405% | 2,159 |
Equity capital to assets | 9.6005% | 4,270 |
Core capital (leverage) ratio | 9.2084% | 4,156 |
Tier 1 risk-based capital ratio | 15.9949% | 2,754 |
Total risk-based capital ratio | 17.2091% | 2,726 |
Memoranda: | ||
Average total assets | $51,889,600 | 6,468 |
Average earning assets | $49,041,400 | 6,405 |
Average equity | $4,967,200 | 6,672 |
Average total loans | $23,915,600 | 6,733 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8036% | 7,398 |
Cost of funding earning assets | 0.9815% | 6,029 |
Net interest margin | 2.8221% | 7,105 |
Noninterest income to average assets | 0.3810% | 5,108 |
Noninterest expense to average assets | 2.0685% | 6,922 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.9665% | 2,350 |
Return on assets (ROA) | 0.9690% | 2,459 |
Pretax return on assets | 0.9690% | 3,296 |
Return on Equity (ROE) | 10.1302% | 2,077 |
Retained earnings to average equity (ytd only) | -0.2941% | 5,856 |
Net charge-offs to loans | 0.0908% | 5,614 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | 23.6282% | 1,055 |
Efficiency ratio | 68.1550% | 4,440 |
Assets per employee ($millions) | 4.3487% | 3,174 |
Cash dividends to net income (ytd only)* | 102.9031% | 331 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5255% | 3,847 |
Loan loss allowance to noncurrent loans | 31.9542% | 6,215 |
Noncurrent assets plus other real estate owned to assets | 2.1769% | 3,238 |
Noncurrent loans to loans | 4.7741% | 1,473 |
Net loans and leases to total assets | 44.9027% | 6,779 |
Net loans and leases to deposits | 50.9968% | 6,948 |
Net loans and leases to core deposits | 51.7949% | 7,056 |
Total domestic deposits to total assets | 88.0500% | 1,929 |
Equity capital to assets | 9.7348% | 4,494 |
Core capital (leverage) ratio | 9.6084% | 3,754 |
Tier 1 risk-based capital ratio | 17.0814% | 2,312 |
Total risk-based capital ratio | 18.3311% | 2,275 |
Memoranda: | ||
Average total assets | $52,146,500 | 6,532 |
Average earning assets | $49,039,750 | 6,471 |
Average equity | $4,988,250 | 6,753 |
Average total loans | $23,494,000 | 6,841 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8675% | 7,450 |
Cost of funding earning assets | 1.0162% | 6,070 |
Net interest margin | 2.8512% | 7,079 |
Noninterest income to average assets | 0.3798% | 5,085 |
Noninterest expense to average assets | 2.0793% | 6,962 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.9591% | 2,335 |
Return on assets (ROA) | 0.9629% | 2,406 |
Pretax return on assets | 0.9629% | 3,265 |
Return on Equity (ROE) | 10.1257% | 2,062 |
Retained earnings to average equity (ytd only) | -0.7665% | 5,920 |
Net charge-offs to loans | 0.1197% | 4,981 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | 17.8571% | 1,315 |
Efficiency ratio | 68.4343% | 4,493 |
Assets per employee ($millions) | 4.1342% | 3,519 |
Cash dividends to net income (ytd only)* | 107.5697% | 382 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6386% | 3,291 |
Loan loss allowance to noncurrent loans | 30.9584% | 6,299 |
Noncurrent assets plus other real estate owned to assets | 2.3765% | 3,035 |
Noncurrent loans to loans | 5.2929% | 1,272 |
Net loans and leases to total assets | 44.1645% | 6,907 |
Net loans and leases to deposits | 50.3724% | 7,053 |
Net loans and leases to core deposits | 51.2036% | 7,165 |
Total domestic deposits to total assets | 87.6759% | 2,171 |
Equity capital to assets | 10.0181% | 4,006 |
Core capital (leverage) ratio | 9.3837% | 3,986 |
Tier 1 risk-based capital ratio | 17.7118% | 2,028 |
Total risk-based capital ratio | 18.9616% | 2,002 |
Memoranda: | ||
Average total assets | $52,134,000 | 6,581 |
Average earning assets | $48,610,670 | 6,522 |
Average equity | $4,957,670 | 6,790 |
Average total loans | $23,393,670 | 6,893 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8591% | 7,549 |
Cost of funding earning assets | 1.0443% | 6,157 |
Net interest margin | 2.8148% | 7,161 |
Noninterest income to average assets | 0.3821% | 5,078 |
Noninterest expense to average assets | 2.0151% | 7,134 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.9514% | 2,355 |
Return on assets (ROA) | 0.9514% | 2,423 |
Pretax return on assets | 0.9514% | 3,262 |
Return on Equity (ROE) | 10.2595% | 2,017 |
Retained earnings to average equity (ytd only) | -1.0502% | 6,059 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.9293% | 4,738 |
Assets per employee ($millions) | 4.3759% | 3,168 |
Cash dividends to net income (ytd only)* | 110.2362% | 497 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8122% | 2,698 |
Loan loss allowance to noncurrent loans | 31.7687% | 6,299 |
Noncurrent assets plus other real estate owned to assets | 2.2719% | 3,187 |
Noncurrent loans to loans | 5.7043% | 1,192 |
Net loans and leases to total assets | 39.1061% | 7,302 |
Net loans and leases to deposits | 44.2174% | 7,396 |
Net loans and leases to core deposits | 44.8980% | 7,456 |
Total domestic deposits to total assets | 88.4405% | 1,826 |
Equity capital to assets | 9.3923% | 4,683 |
Core capital (leverage) ratio | 9.0301% | 4,510 |
Tier 1 risk-based capital ratio | 17.1515% | 2,217 |
Total risk-based capital ratio | 18.4032% | 2,168 |
Memoranda: | ||
Average total assets | $53,396,000 | 6,624 |
Average earning assets | $49,027,000 | 6,588 |
Average equity | $4,951,500 | 6,860 |
Average total loans | $23,953,000 | 6,948 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8143% | 6,919 |
Cost of funding earning assets | 1.3260% | 6,216 |
Net interest margin | 3.4883% | 5,009 |
Noninterest income to average assets | 0.4508% | 4,802 |
Noninterest expense to average assets | 2.3925% | 6,489 |
Loan and lease loss provision to assets | 0.0827% | 6,781 |
Net operating income to assets | 1.1580% | 1,366 |
Return on assets (ROA) | 1.1601% | 1,384 |
Pretax return on assets | 1.1601% | 2,064 |
Return on Equity (ROE) | 11.3009% | 1,355 |
Retained earnings to average equity (ytd only) | 0.8259% | 4,440 |
Net charge-offs to loans | 0.0039% | 7,191 |
Credit loss provision to net charge-offs | 4,000.0000% | 87 |
Earnings coverage of net charge-offs (x) | 600.0000% | 44 |
Efficiency ratio | 65.8509% | 5,422 |
Assets per employee ($millions) | 4.5234% | 2,881 |
Cash dividends to net income (ytd only)* | 92.6916% | 786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4041% | 4,217 |
Loan loss allowance to noncurrent loans | 31.7687% | 6,340 |
Noncurrent assets plus other real estate owned to assets | 2.1978% | 3,128 |
Noncurrent loans to loans | 4.4198% | 1,618 |
Net loans and leases to total assets | 49.0282% | 6,728 |
Net loans and leases to deposits | 55.2974% | 6,965 |
Net loans and leases to core deposits | 63.8324% | 7,096 |
Total domestic deposits to total assets | 88.6627% | 1,649 |
Equity capital to assets | 9.1579% | 4,906 |
Core capital (leverage) ratio | 9.2352% | 4,074 |
Tier 1 risk-based capital ratio | 14.0860% | 3,449 |
Total risk-based capital ratio | 15.1993% | 3,485 |
Memoranda: | ||
Average total assets | $48,359,800 | 6,775 |
Average earning assets | $44,119,000 | 6,760 |
Average equity | $4,964,200 | 6,953 |
Average total loans | $25,622,600 | 6,876 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8457% | 7,023 |
Cost of funding earning assets | 1.3783% | 6,308 |
Net interest margin | 3.4674% | 5,003 |
Noninterest income to average assets | 0.4977% | 4,502 |
Noninterest expense to average assets | 2.3606% | 6,526 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.3424% | 1,137 |
Return on assets (ROA) | 1.3424% | 1,199 |
Pretax return on assets | 1.3424% | 1,842 |
Return on Equity (ROE) | 12.6815% | 1,182 |
Retained earnings to average equity (ytd only) | 1.6657% | 4,379 |
Net charge-offs to loans | 0.0053% | 6,891 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 473.1729% | 72 |
Efficiency ratio | 63.7481% | 5,802 |
Assets per employee ($millions) | 4.0442% | 3,646 |
Cash dividends to net income (ytd only)* | 86.8636% | 795 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3084% | 4,448 |
Loan loss allowance to noncurrent loans | 27.5834% | 6,621 |
Noncurrent assets plus other real estate owned to assets | 2.5325% | 2,740 |
Noncurrent loans to loans | 4.7433% | 1,441 |
Net loans and leases to total assets | 52.6911% | 6,539 |
Net loans and leases to deposits | 60.4073% | 6,798 |
Net loans and leases to core deposits | 70.7339% | 6,923 |
Total domestic deposits to total assets | 87.2265% | 2,064 |
Equity capital to assets | 10.3173% | 3,709 |
Core capital (leverage) ratio | 9.9644% | 3,323 |
Tier 1 risk-based capital ratio | 15.0618% | 3,010 |
Total risk-based capital ratio | 16.1220% | 3,044 |
Memoranda: | ||
Average total assets | $46,879,500 | 6,881 |
Average earning assets | $43,336,500 | 6,846 |
Average equity | $4,962,500 | 7,011 |
Average total loans | $25,280,250 | 6,954 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8613% | 7,114 |
Cost of funding earning assets | 1.4392% | 6,354 |
Net interest margin | 3.4221% | 5,090 |
Noninterest income to average assets | 0.5137% | 4,320 |
Noninterest expense to average assets | 2.3570% | 6,604 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.3080% | 1,212 |
Return on assets (ROA) | 1.3080% | 1,288 |
Pretax return on assets | 1.3080% | 2,001 |
Return on Equity (ROE) | 12.2482% | 1,349 |
Retained earnings to average equity (ytd only) | -0.2830% | 5,295 |
Net charge-offs to loans | 0.0080% | 6,471 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 303.0000% | 128 |
Efficiency ratio | 64.3110% | 5,850 |
Assets per employee ($millions) | 3.8160% | 4,058 |
Cash dividends to net income (ytd only)* | 102.3102% | 690 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4020% | 3,709 |
Loan loss allowance to noncurrent loans | 28.8511% | 6,576 |
Noncurrent assets plus other real estate owned to assets | 2.5660% | 2,514 |
Noncurrent loans to loans | 4.8594% | 1,284 |
Net loans and leases to total assets | 52.0637% | 6,684 |
Net loans and leases to deposits | 60.0665% | 6,882 |
Net loans and leases to core deposits | 67.9211% | 7,127 |
Total domestic deposits to total assets | 86.6767% | 2,417 |
Equity capital to assets | 10.7377% | 3,171 |
Core capital (leverage) ratio | 10.0583% | 3,232 |
Tier 1 risk-based capital ratio | 15.9988% | 2,627 |
Total risk-based capital ratio | 17.1413% | 2,606 |
Memoranda: | ||
Average total assets | $46,329,330 | 6,969 |
Average earning assets | $42,663,670 | 6,940 |
Average equity | $4,947,670 | 7,085 |
Average total loans | $25,070,330 | 7,024 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9064% | 7,162 |
Cost of funding earning assets | 1.5220% | 6,335 |
Net interest margin | 3.3843% | 5,195 |
Noninterest income to average assets | 0.4550% | 4,721 |
Noninterest expense to average assets | 2.1975% | 6,872 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.3305% | 1,312 |
Return on assets (ROA) | 1.3305% | 1,411 |
Pretax return on assets | 1.3305% | 2,174 |
Return on Equity (ROE) | 12.4924% | 1,518 |
Retained earnings to average equity (ytd only) | -0.4030% | 5,744 |
Net charge-offs to loans | 0.0157% | 5,359 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | 155.0000% | 282 |
Efficiency ratio | 62.2871% | 6,000 |
Assets per employee ($millions) | 3.8608% | 3,959 |
Cash dividends to net income (ytd only)* | 103.2258% | 733 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4330% | 3,327 |
Loan loss allowance to noncurrent loans | 70.9205% | 4,050 |
Noncurrent assets plus other real estate owned to assets | 1.0317% | 4,631 |
Noncurrent loans to loans | 2.0206% | 3,235 |
Net loans and leases to total assets | 50.3281% | 6,833 |
Net loans and leases to deposits | 57.9982% | 7,038 |
Net loans and leases to core deposits | 65.8840% | 7,245 |
Total domestic deposits to total assets | 86.7753% | 2,323 |
Equity capital to assets | 10.6713% | 3,312 |
Core capital (leverage) ratio | 9.9717% | 3,435 |
Tier 1 risk-based capital ratio | 12.7830% | 4,334 |
Total risk-based capital ratio | 13.6955% | 4,502 |
Memoranda: | ||
Average total assets | $46,598,000 | 7,005 |
Average earning assets | $42,312,500 | 7,007 |
Average equity | $4,963,000 | 7,122 |
Average total loans | $25,515,500 | 7,026 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7217% | 6,703 |
Cost of funding earning assets | 1.9573% | 6,545 |
Net interest margin | 3.7644% | 4,164 |
Noninterest income to average assets | 0.4803% | 4,794 |
Noninterest expense to average assets | 2.3602% | 6,531 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.6222% | 805 |
Return on assets (ROA) | 1.6331% | 743 |
Pretax return on assets | 1.6331% | 1,303 |
Return on Equity (ROE) | 14.9834% | 929 |
Retained earnings to average equity (ytd only) | -3.0447% | 6,121 |
Net charge-offs to loans | -0.0113% | 7,866 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.2654% | 6,482 |
Assets per employee ($millions) | 3.9055% | 3,716 |
Cash dividends to net income (ytd only)* | 120.3209% | 675 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2420% | 4,221 |
Loan loss allowance to noncurrent loans | 618.1818% | 732 |
Noncurrent assets plus other real estate owned to assets | 0.1174% | 7,109 |
Noncurrent loans to loans | 0.2009% | 6,784 |
Net loans and leases to total assets | 57.6857% | 6,249 |
Net loans and leases to deposits | 64.8741% | 6,727 |
Net loans and leases to core deposits | 73.3252% | 7,006 |
Total domestic deposits to total assets | 88.9195% | 1,078 |
Equity capital to assets | 10.6303% | 3,363 |
Core capital (leverage) ratio | 10.2433% | 3,219 |
Tier 1 risk-based capital ratio | 14.3145% | 3,387 |
Total risk-based capital ratio | 15.3383% | 3,416 |
Memoranda: | ||
Average total assets | $45,801,800 | 6,945 |
Average earning assets | $42,609,400 | 6,922 |
Average equity | $4,992,200 | 7,146 |
Average total loans | $26,652,400 | 6,924 |