Home > Great Oaks Bank > Performance and Condition Ratios
Great Oaks Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8590% | 764 |
Cost of funding earning assets | 1.3352% | 2,407 |
Net interest margin | 4.5237% | 592 |
Noninterest income to average assets | 0.4600% | 2,177 |
Noninterest expense to average assets | 3.1549% | 868 |
Loan and lease loss provision to assets | 0.1400% | 913 |
Net operating income to assets | 1.4314% | 1,155 |
Return on assets (ROA) | 1.3355% | 1,328 |
Pretax return on assets | 1.3355% | 1,776 |
Return on Equity (ROE) | 17.7100% | 863 |
Retained earnings to average equity (ytd only) | 8.0961% | 1,508 |
Net charge-offs to loans | -0.1401% | 4,529 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 66.7549% | 2,253 |
Assets per employee ($millions) | 5.5919% | 3,168 |
Cash dividends to net income (ytd only)* | 54.2857% | 1,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6847% | 688 |
Loan loss allowance to noncurrent loans | 3,964.4444% | 291 |
Noncurrent assets plus other real estate owned to assets | 0.0255% | 3,529 |
Noncurrent loans to loans | 0.0425% | 3,420 |
Net loans and leases to total assets | 59.1000% | 2,935 |
Net loans and leases to deposits | 64.8034% | 3,245 |
Net loans and leases to core deposits | 69.9836% | 3,307 |
Total domestic deposits to total assets | 91.2000% | 453 |
Equity capital to assets | 7.6082% | 3,655 |
Core capital (leverage) ratio | 9.8218% | 2,954 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0289% | 2,573 |
Memoranda: | ||
Average total assets | $327,581,000 | 2,279 |
Average earning assets | $309,014,000 | 2,250 |
Average equity | $24,703,400 | 2,537 |
Average total loans | $192,674,000 | 2,341 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7687% | 717 |
Cost of funding earning assets | 1.1967% | 2,439 |
Net interest margin | 4.5720% | 555 |
Noninterest income to average assets | 0.4800% | 2,060 |
Noninterest expense to average assets | 3.2403% | 776 |
Loan and lease loss provision to assets | 0.1500% | 774 |
Net operating income to assets | 1.3922% | 1,341 |
Return on assets (ROA) | 1.2619% | 1,617 |
Pretax return on assets | 1.2619% | 2,139 |
Return on Equity (ROE) | 16.7700% | 1,117 |
Retained earnings to average equity (ytd only) | 11.9497% | 977 |
Net charge-offs to loans | 0.0149% | 1,864 |
Credit loss provision to net charge-offs | 1,833.3333% | 261 |
Earnings coverage of net charge-offs (x) | 176.9524% | 652 |
Efficiency ratio | 67.7626% | 2,038 |
Assets per employee ($millions) | 5.1805% | 3,454 |
Cash dividends to net income (ytd only)* | 28.7640% | 2,108 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5126% | 1,076 |
Loan loss allowance to noncurrent loans | 7,018.6047% | 179 |
Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,707 |
Noncurrent loans to loans | 0.0216% | 3,610 |
Net loans and leases to total assets | 61.1800% | 2,733 |
Net loans and leases to deposits | 67.3548% | 3,022 |
Net loans and leases to core deposits | 68.2539% | 3,307 |
Total domestic deposits to total assets | 90.8300% | 712 |
Equity capital to assets | 7.8241% | 3,168 |
Core capital (leverage) ratio | 10.1049% | 2,723 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8425% | 2,325 |
Memoranda: | ||
Average total assets | $321,403,750 | 2,312 |
Average earning assets | $302,704,750 | 2,290 |
Average equity | $24,178,500 | 2,555 |
Average total loans | $187,896,500 | 2,381 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5790% | 752 |
Cost of funding earning assets | 1.0395% | 2,482 |
Net interest margin | 4.5395% | 583 |
Noninterest income to average assets | 0.4600% | 2,088 |
Noninterest expense to average assets | 3.1959% | 796 |
Loan and lease loss provision to assets | 0.1300% | 871 |
Net operating income to assets | 1.4073% | 1,311 |
Return on assets (ROA) | 1.2113% | 1,788 |
Pretax return on assets | 1.2113% | 2,328 |
Return on Equity (ROE) | 16.3200% | 1,213 |
Retained earnings to average equity (ytd only) | 12.1284% | 958 |
Net charge-offs to loans | 0.0065% | 2,001 |
Credit loss provision to net charge-offs | 3,933.3333% | 138 |
Earnings coverage of net charge-offs (x) | 412.1667% | 349 |
Efficiency ratio | 67.5033% | 2,046 |
Assets per employee ($millions) | 4.8613% | 3,706 |
Cash dividends to net income (ytd only)* | 25.6805% | 2,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5027% | 1,171 |
Loan loss allowance to noncurrent loans | 10,681.4815% | 138 |
Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,773 |
Noncurrent loans to loans | 0.0141% | 3,677 |
Net loans and leases to total assets | 57.1800% | 3,030 |
Net loans and leases to deposits | 62.5960% | 3,270 |
Net loans and leases to core deposits | 63.4737% | 3,474 |
Total domestic deposits to total assets | 91.3500% | 540 |
Equity capital to assets | 7.4472% | 3,553 |
Core capital (leverage) ratio | 9.5483% | 3,196 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4108% | 2,500 |
Memoranda: | ||
Average total assets | $321,475,667 | 2,320 |
Average earning assets | $302,635,667 | 2,296 |
Average equity | $23,861,333 | 2,577 |
Average total loans | $184,020,333 | 2,399 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3514% | 779 |
Cost of funding earning assets | 0.8270% | 2,618 |
Net interest margin | 4.5244% | 566 |
Noninterest income to average assets | 0.4600% | 2,027 |
Noninterest expense to average assets | 3.2070% | 787 |
Loan and lease loss provision to assets | 0.0800% | 1,320 |
Net operating income to assets | 1.4237% | 1,341 |
Return on assets (ROA) | 1.0261% | 2,416 |
Pretax return on assets | 1.0261% | 2,915 |
Return on Equity (ROE) | 13.8500% | 1,807 |
Retained earnings to average equity (ytd only) | 5.3315% | 2,946 |
Net charge-offs to loans | 0.0067% | 1,703 |
Credit loss provision to net charge-offs | 2,200.0000% | 181 |
Earnings coverage of net charge-offs (x) | 398.0000% | 278 |
Efficiency ratio | 68.0321% | 1,968 |
Assets per employee ($millions) | 5.1545% | 3,527 |
Cash dividends to net income (ytd only)* | 61.5006% | 930 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4774% | 1,351 |
Loan loss allowance to noncurrent loans | 16,981.2500% | 113 |
Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,853 |
Noncurrent loans to loans | 0.0087% | 3,767 |
Net loans and leases to total assets | 55.8000% | 3,049 |
Net loans and leases to deposits | 63.1859% | 3,153 |
Net loans and leases to core deposits | 63.9583% | 3,346 |
Total domestic deposits to total assets | 88.3000% | 1,817 |
Equity capital to assets | 7.4189% | 3,606 |
Core capital (leverage) ratio | 9.3405% | 3,368 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.1848% | 2,666 |
Memoranda: | ||
Average total assets | $316,930,000 | 2,378 |
Average earning assets | $297,938,000 | 2,358 |
Average equity | $23,483,000 | 2,625 |
Average total loans | $180,072,000 | 2,449 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0009% | 1,263 |
Cost of funding earning assets | 0.1778% | 3,539 |
Net interest margin | 3.8232% | 915 |
Noninterest income to average assets | 0.5800% | 1,791 |
Noninterest expense to average assets | 3.0163% | 883 |
Loan and lease loss provision to assets | 0.2000% | 448 |
Net operating income to assets | 0.9587% | 2,631 |
Return on assets (ROA) | 0.9619% | 2,591 |
Pretax return on assets | 0.9619% | 3,134 |
Return on Equity (ROE) | 11.1400% | 2,324 |
Retained earnings to average equity (ytd only) | 8.2625% | 1,905 |
Net charge-offs to loans | 0.0390% | 1,106 |
Credit loss provision to net charge-offs | 922.9167% | 426 |
Earnings coverage of net charge-offs (x) | 53.3958% | 1,246 |
Efficiency ratio | 72.2409% | 1,481 |
Assets per employee ($millions) | 5.1449% | 3,551 |
Cash dividends to net income (ytd only)* | 25.8580% | 2,217 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3343% | 1,868 |
Loan loss allowance to noncurrent loans | 9,700.0000% | 150 |
Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,871 |
Noncurrent loans to loans | 0.0138% | 3,836 |
Net loans and leases to total assets | 57.6900% | 2,733 |
Net loans and leases to deposits | 62.6433% | 2,974 |
Net loans and leases to core deposits | 63.6535% | 3,145 |
Total domestic deposits to total assets | 92.0900% | 852 |
Equity capital to assets | 7.4627% | 3,239 |
Core capital (leverage) ratio | 10.2006% | 2,359 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0692% | 2,450 |
Memoranda: | ||
Average total assets | $294,831,000 | 2,496 |
Average earning assets | $277,494,250 | 2,472 |
Average equity | $25,447,750 | 2,599 |
Average total loans | $164,115,750 | 2,505 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8700% | 1,171 |
Cost of funding earning assets | 0.1449% | 3,635 |
Net interest margin | 3.7252% | 872 |
Noninterest income to average assets | 0.5544% | 1,924 |
Noninterest expense to average assets | 2.9683% | 882 |
Loan and lease loss provision to assets | 0.2261% | 348 |
Net operating income to assets | 0.8630% | 2,724 |
Return on assets (ROA) | 0.8677% | 2,678 |
Pretax return on assets | 0.8677% | 3,154 |
Return on Equity (ROE) | 9.6124% | 2,482 |
Retained earnings to average equity (ytd only) | 8.1034% | 1,578 |
Net charge-offs to loans | 0.0535% | 856 |
Credit loss provision to net charge-offs | 772.0930% | 481 |
Earnings coverage of net charge-offs (x) | 37.1860% | 1,296 |
Efficiency ratio | 73.1576% | 1,599 |
Assets per employee ($millions) | 4.7900% | 3,853 |
Cash dividends to net income (ytd only)* | 15.6986% | 2,624 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3014% | 2,186 |
Loan loss allowance to noncurrent loans | 1,532.4138% | 676 |
Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,647 |
Noncurrent loans to loans | 0.0849% | 3,356 |
Net loans and leases to total assets | 57.6760% | 2,565 |
Net loans and leases to deposits | 63.0844% | 2,798 |
Net loans and leases to core deposits | 64.1264% | 2,960 |
Total domestic deposits to total assets | 91.4268% | 1,049 |
Equity capital to assets | 8.2043% | 2,970 |
Core capital (leverage) ratio | 9.7232% | 2,694 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9240% | 2,092 |
Memoranda: | ||
Average total assets | $293,639,333 | 2,516 |
Average earning assets | $276,121,000 | 2,502 |
Average equity | $26,507,333 | 2,607 |
Average total loans | $160,662,667 | 2,543 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7366% | 1,202 |
Cost of funding earning assets | 0.1601% | 3,370 |
Net interest margin | 3.5765% | 935 |
Noninterest income to average assets | 0.4783% | 2,253 |
Noninterest expense to average assets | 2.8821% | 990 |
Loan and lease loss provision to assets | 0.2364% | 285 |
Net operating income to assets | 0.7297% | 2,936 |
Return on assets (ROA) | 0.7297% | 2,927 |
Pretax return on assets | 0.7297% | 3,307 |
Return on Equity (ROE) | 7.7336% | 2,784 |
Retained earnings to average equity (ytd only) | 4.8533% | 2,647 |
Net charge-offs to loans | 0.0951% | 541 |
Credit loss provision to net charge-offs | 470.2703% | 535 |
Earnings coverage of net charge-offs (x) | 19.2162% | 1,291 |
Efficiency ratio | 74.8941% | 1,646 |
Assets per employee ($millions) | 4.9741% | 3,776 |
Cash dividends to net income (ytd only)* | 37.2439% | 1,576 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2932% | 2,402 |
Loan loss allowance to noncurrent loans | 1,352.9412% | 718 |
Noncurrent assets plus other real estate owned to assets | 0.1521% | 2,727 |
Noncurrent loans to loans | 0.0956% | 3,365 |
Net loans and leases to total assets | 52.9401% | 2,889 |
Net loans and leases to deposits | 58.2250% | 3,054 |
Net loans and leases to core deposits | 59.1745% | 3,218 |
Total domestic deposits to total assets | 90.9233% | 1,072 |
Equity capital to assets | 8.6723% | 3,004 |
Core capital (leverage) ratio | 9.4738% | 2,830 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8594% | 1,852 |
Memoranda: | ||
Average total assets | $294,364,500 | 2,521 |
Average earning assets | $277,362,500 | 2,512 |
Average equity | $27,775,000 | 2,621 |
Average total loans | $155,621,500 | 2,587 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8564% | 1,733 |
Cost of funding earning assets | 0.2713% | 2,692 |
Net interest margin | 3.5851% | 1,511 |
Noninterest income to average assets | 0.6221% | 2,068 |
Noninterest expense to average assets | 2.9775% | 1,021 |
Loan and lease loss provision to assets | 0.0794% | 1,544 |
Net operating income to assets | 0.9353% | 2,920 |
Return on assets (ROA) | 0.9356% | 2,983 |
Pretax return on assets | 0.9356% | 3,405 |
Return on Equity (ROE) | 10.6473% | 2,293 |
Retained earnings to average equity (ytd only) | 5.2415% | 2,696 |
Net charge-offs to loans | 0.0089% | 2,242 |
Credit loss provision to net charge-offs | 1,607.6923% | 364 |
Earnings coverage of net charge-offs (x) | 205.3846% | 530 |
Efficiency ratio | 74.5835% | 1,244 |
Assets per employee ($millions) | 5.0927% | 3,653 |
Cash dividends to net income (ytd only)* | 50.7717% | 1,474 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2786% | 2,460 |
Loan loss allowance to noncurrent loans | 1,085.9551% | 831 |
Noncurrent assets plus other real estate owned to assets | 0.1650% | 2,785 |
Noncurrent loans to loans | 0.1177% | 3,344 |
Net loans and leases to total assets | 51.4128% | 3,129 |
Net loans and leases to deposits | 57.5634% | 3,291 |
Net loans and leases to core deposits | 58.5565% | 3,428 |
Total domestic deposits to total assets | 89.3149% | 1,348 |
Equity capital to assets | 10.2203% | 2,450 |
Core capital (leverage) ratio | 9.5218% | 2,837 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0928% | 1,814 |
Memoranda: | ||
Average total assets | $263,137,800 | 2,645 |
Average earning assets | $247,354,000 | 2,635 |
Average equity | $23,123,200 | 2,970 |
Average total loans | $145,474,200 | 2,669 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9466% | 1,647 |
Cost of funding earning assets | 0.2841% | 2,758 |
Net interest margin | 3.6625% | 1,424 |
Noninterest income to average assets | 0.6366% | 2,066 |
Noninterest expense to average assets | 3.0291% | 920 |
Loan and lease loss provision to assets | 0.0160% | 2,686 |
Net operating income to assets | 1.0314% | 2,799 |
Return on assets (ROA) | 1.0319% | 2,861 |
Pretax return on assets | 1.0319% | 3,370 |
Return on Equity (ROE) | 12.3110% | 1,933 |
Retained earnings to average equity (ytd only) | 10.7597% | 1,111 |
Net charge-offs to loans | 0.0111% | 1,916 |
Credit loss provision to net charge-offs | 258.3333% | 1,078 |
Earnings coverage of net charge-offs (x) | 167.8333% | 627 |
Efficiency ratio | 74.3047% | 1,192 |
Assets per employee ($millions) | 4.9487% | 3,744 |
Cash dividends to net income (ytd only)* | 12.6008% | 2,865 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2545% | 2,709 |
Loan loss allowance to noncurrent loans | 6,753.8462% | 184 |
Noncurrent assets plus other real estate owned to assets | 0.1575% | 3,068 |
Noncurrent loans to loans | 0.0186% | 4,062 |
Net loans and leases to total assets | 48.1559% | 3,615 |
Net loans and leases to deposits | 54.2446% | 3,720 |
Net loans and leases to core deposits | 55.1293% | 3,849 |
Total domestic deposits to total assets | 88.7754% | 1,415 |
Equity capital to assets | 10.6612% | 2,305 |
Core capital (leverage) ratio | 10.2011% | 2,309 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.2105% | 925 |
Memoranda: | ||
Average total assets | $256,351,250 | 2,704 |
Average earning assets | $240,775,750 | 2,698 |
Average equity | $21,487,000 | 3,129 |
Average total loans | $144,048,750 | 2,726 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9033% | 1,806 |
Cost of funding earning assets | 0.2967% | 2,804 |
Net interest margin | 3.6067% | 1,577 |
Noninterest income to average assets | 0.6200% | 2,130 |
Noninterest expense to average assets | 3.1163% | 820 |
Loan and lease loss provision to assets | 0.0252% | 2,469 |
Net operating income to assets | 0.8573% | 3,345 |
Return on assets (ROA) | 0.8581% | 3,420 |
Pretax return on assets | 0.8581% | 3,752 |
Return on Equity (ROE) | 11.4476% | 2,255 |
Retained earnings to average equity (ytd only) | 8.7374% | 1,807 |
Net charge-offs to loans | 0.0124% | 1,711 |
Credit loss provision to net charge-offs | 344.4444% | 832 |
Earnings coverage of net charge-offs (x) | 120.6667% | 667 |
Efficiency ratio | 77.9313% | 914 |
Assets per employee ($millions) | 4.3258% | 4,239 |
Cash dividends to net income (ytd only)* | 23.6742% | 2,359 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2422% | 2,718 |
Loan loss allowance to noncurrent loans | 5,863.3333% | 180 |
Noncurrent assets plus other real estate owned to assets | 0.1728% | 3,110 |
Noncurrent loans to loans | 0.0212% | 4,117 |
Net loans and leases to total assets | 52.9950% | 3,253 |
Net loans and leases to deposits | 57.5125% | 3,594 |
Net loans and leases to core deposits | 58.2484% | 3,746 |
Total domestic deposits to total assets | 92.1452% | 101 |
Equity capital to assets | 7.1818% | 4,807 |
Core capital (leverage) ratio | 6.8007% | 4,879 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9427% | 2,385 |
Memoranda: | ||
Average total assets | $246,127,667 | 2,764 |
Average earning assets | $230,572,667 | 2,760 |
Average equity | $18,449,333 | 3,387 |
Average total loans | $145,407,000 | 2,731 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8365% | 1,990 |
Cost of funding earning assets | 0.3048% | 2,938 |
Net interest margin | 3.5316% | 1,743 |
Noninterest income to average assets | 0.6558% | 2,005 |
Noninterest expense to average assets | 3.2118% | 706 |
Loan and lease loss provision to assets | 0.0523% | 2,060 |
Net operating income to assets | 0.6929% | 3,725 |
Return on assets (ROA) | 0.6946% | 3,785 |
Pretax return on assets | 0.6946% | 4,030 |
Return on Equity (ROE) | 9.0557% | 3,017 |
Retained earnings to average equity (ytd only) | 6.8577% | 2,625 |
Net charge-offs to loans | 0.0163% | 1,418 |
Credit loss provision to net charge-offs | 516.6667% | 585 |
Earnings coverage of net charge-offs (x) | 73.6667% | 738 |
Efficiency ratio | 81.1674% | 746 |
Assets per employee ($millions) | 4.2581% | 4,304 |
Cash dividends to net income (ytd only)* | 24.2718% | 1,880 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1997% | 2,935 |
Loan loss allowance to noncurrent loans | 5,339.3939% | 182 |
Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,255 |
Noncurrent loans to loans | 0.0225% | 4,174 |
Net loans and leases to total assets | 57.7611% | 2,820 |
Net loans and leases to deposits | 62.7452% | 3,250 |
Net loans and leases to core deposits | 63.5873% | 3,451 |
Total domestic deposits to total assets | 92.0566% | 131 |
Equity capital to assets | 7.2695% | 4,783 |
Core capital (leverage) ratio | 7.2314% | 4,849 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3578% | 2,544 |
Memoranda: | ||
Average total assets | $237,253,500 | 2,817 |
Average earning assets | $221,767,000 | 2,804 |
Average equity | $18,198,500 | 3,404 |
Average total loans | $147,310,500 | 2,724 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6714% | 946 |
Cost of funding earning assets | 0.4229% | 3,442 |
Net interest margin | 4.2486% | 566 |
Noninterest income to average assets | 0.7028% | 1,857 |
Noninterest expense to average assets | 3.4730% | 721 |
Loan and lease loss provision to assets | 0.1735% | 2,220 |
Net operating income to assets | 0.9859% | 2,346 |
Return on assets (ROA) | 0.9859% | 2,485 |
Pretax return on assets | 0.9859% | 3,086 |
Return on Equity (ROE) | 11.1122% | 1,590 |
Retained earnings to average equity (ytd only) | 6.5748% | 1,561 |
Net charge-offs to loans | 0.0059% | 3,132 |
Credit loss provision to net charge-offs | 4,175.0000% | 251 |
Earnings coverage of net charge-offs (x) | 279.0000% | 364 |
Efficiency ratio | 74.9720% | 1,337 |
Assets per employee ($millions) | 3.7844% | 4,519 |
Cash dividends to net income (ytd only)* | 40.8325% | 2,324 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1757% | 3,078 |
Loan loss allowance to noncurrent loans | 4,236.5854% | 234 |
Noncurrent assets plus other real estate owned to assets | 0.2092% | 3,242 |
Noncurrent loans to loans | 0.0278% | 4,208 |
Net loans and leases to total assets | 65.3935% | 2,171 |
Net loans and leases to deposits | 71.7363% | 2,712 |
Net loans and leases to core deposits | 72.8371% | 3,010 |
Total domestic deposits to total assets | 91.1581% | 188 |
Equity capital to assets | 8.1217% | 4,654 |
Core capital (leverage) ratio | 8.0192% | 4,618 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9355% | 2,261 |
Memoranda: | ||
Average total assets | $192,515,400 | 3,009 |
Average earning assets | $178,060,600 | 3,015 |
Average equity | $17,080,400 | 3,447 |
Average total loans | $134,587,400 | 2,807 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6735% | 1,127 |
Cost of funding earning assets | 0.4516% | 3,523 |
Net interest margin | 4.2220% | 699 |
Noninterest income to average assets | 0.6038% | 2,163 |
Noninterest expense to average assets | 3.4562% | 749 |
Loan and lease loss provision to assets | 0.1769% | 2,216 |
Net operating income to assets | 0.8693% | 2,827 |
Return on assets (ROA) | 0.8693% | 2,960 |
Pretax return on assets | 0.8693% | 3,468 |
Return on Equity (ROE) | 9.5536% | 2,186 |
Retained earnings to average equity (ytd only) | 5.5894% | 2,291 |
Net charge-offs to loans | 0.0081% | 2,822 |
Credit loss provision to net charge-offs | 3,062.5000% | 343 |
Earnings coverage of net charge-offs (x) | 181.2500% | 518 |
Efficiency ratio | 76.7665% | 1,135 |
Assets per employee ($millions) | 3.4704% | 4,678 |
Cash dividends to net income (ytd only)* | 41.4938% | 1,869 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0990% | 3,219 |
Loan loss allowance to noncurrent loans | 1,267.6923% | 488 |
Noncurrent assets plus other real estate owned to assets | 0.3382% | 2,787 |
Noncurrent loans to loans | 0.0867% | 4,021 |
Net loans and leases to total assets | 74.9770% | 1,237 |
Net loans and leases to deposits | 83.2068% | 1,995 |
Net loans and leases to core deposits | 84.7875% | 2,402 |
Total domestic deposits to total assets | 90.1092% | 392 |
Equity capital to assets | 8.8540% | 4,215 |
Core capital (leverage) ratio | 8.1291% | 4,582 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2334% | 2,089 |
Memoranda: | ||
Average total assets | $184,824,500 | 3,053 |
Average earning assets | $170,658,500 | 3,057 |
Average equity | $16,817,000 | 3,470 |
Average total loans | $131,297,500 | 2,856 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6666% | 1,484 |
Cost of funding earning assets | 0.5032% | 3,512 |
Net interest margin | 4.1635% | 993 |
Noninterest income to average assets | 0.6615% | 1,897 |
Noninterest expense to average assets | 3.3607% | 908 |
Loan and lease loss provision to assets | 0.1385% | 2,629 |
Net operating income to assets | 1.0039% | 2,311 |
Return on assets (ROA) | 1.0039% | 2,435 |
Pretax return on assets | 1.0039% | 3,018 |
Return on Equity (ROE) | 10.9258% | 1,654 |
Retained earnings to average equity (ytd only) | 7.9109% | 1,334 |
Net charge-offs to loans | 0.0208% | 2,307 |
Credit loss provision to net charge-offs | 961.5385% | 816 |
Earnings coverage of net charge-offs (x) | 79.3077% | 811 |
Efficiency ratio | 74.6309% | 1,404 |
Assets per employee ($millions) | 3.7413% | 4,516 |
Cash dividends to net income (ytd only)* | 27.5938% | 2,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0467% | 3,335 |
Loan loss allowance to noncurrent loans | 2,719.6429% | 230 |
Noncurrent assets plus other real estate owned to assets | 0.6103% | 1,976 |
Noncurrent loans to loans | 0.0385% | 4,326 |
Net loans and leases to total assets | 71.2681% | 1,834 |
Net loans and leases to deposits | 78.9662% | 2,547 |
Net loans and leases to core deposits | 80.9202% | 2,876 |
Total domestic deposits to total assets | 90.2514% | 333 |
Equity capital to assets | 8.6334% | 4,399 |
Core capital (leverage) ratio | 8.2897% | 4,564 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3229% | 1,687 |
Memoranda: | ||
Average total assets | $180,496,000 | 3,072 |
Average earning assets | $166,544,000 | 3,079 |
Average equity | $16,584,667 | 3,493 |
Average total loans | $125,076,667 | 2,917 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8543% | 1,302 |
Cost of funding earning assets | 0.6278% | 3,288 |
Net interest margin | 4.2265% | 870 |
Noninterest income to average assets | 0.7164% | 1,583 |
Noninterest expense to average assets | 3.6387% | 770 |
Loan and lease loss provision to assets | 0.1485% | 1,909 |
Net operating income to assets | 0.8319% | 2,791 |
Return on assets (ROA) | 0.8319% | 2,873 |
Pretax return on assets | 0.8319% | 3,325 |
Return on Equity (ROE) | 8.7398% | 2,212 |
Retained earnings to average equity (ytd only) | 2.5501% | 3,249 |
Net charge-offs to loans | 0.0453% | 1,572 |
Credit loss provision to net charge-offs | 484.6154% | 902 |
Earnings coverage of net charge-offs (x) | 32.0000% | 1,137 |
Efficiency ratio | 78.7755% | 1,258 |
Assets per employee ($millions) | 3.4984% | 4,482 |
Cash dividends to net income (ytd only)* | 70.8215% | 1,180 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2577% | 2,352 |
Loan loss allowance to noncurrent loans | 2,001.3699% | 294 |
Noncurrent assets plus other real estate owned to assets | 0.7518% | 1,797 |
Noncurrent loans to loans | 0.0628% | 4,287 |
Net loans and leases to total assets | 65.5730% | 2,867 |
Net loans and leases to deposits | 72.7941% | 3,373 |
Net loans and leases to core deposits | 74.8809% | 3,576 |
Total domestic deposits to total assets | 90.0801% | 299 |
Equity capital to assets | 9.3185% | 4,375 |
Core capital (leverage) ratio | 9.1693% | 4,304 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2570% | 1,822 |
Memoranda: | ||
Average total assets | $169,729,000 | 3,141 |
Average earning assets | $156,727,000 | 3,136 |
Average equity | $16,156,000 | 3,548 |
Average total loans | $114,862,000 | 3,014 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1133% | 1,188 |
Cost of funding earning assets | 0.5485% | 3,883 |
Net interest margin | 4.5648% | 616 |
Noninterest income to average assets | 0.7548% | 1,610 |
Noninterest expense to average assets | 3.7932% | 677 |
Loan and lease loss provision to assets | 0.2142% | 930 |
Net operating income to assets | 0.9259% | 3,108 |
Return on assets (ROA) | 0.9677% | 3,047 |
Pretax return on assets | 0.9677% | 3,548 |
Return on Equity (ROE) | 9.3782% | 2,576 |
Retained earnings to average equity (ytd only) | 5.0394% | 2,392 |
Net charge-offs to loans | -0.0210% | 4,636 |
Credit loss provision to net charge-offs | -1,538.0952% | 4,583 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8889% | 1,276 |
Assets per employee ($millions) | 3.4279% | 4,541 |
Cash dividends to net income (ytd only)* | 46.2646% | 2,266 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2425% | 2,213 |
Loan loss allowance to noncurrent loans | 1,832.4675% | 344 |
Noncurrent assets plus other real estate owned to assets | 0.9967% | 1,248 |
Noncurrent loans to loans | 0.0678% | 4,268 |
Net loans and leases to total assets | 68.1616% | 2,657 |
Net loans and leases to deposits | 76.0924% | 3,169 |
Net loans and leases to core deposits | 78.4251% | 3,423 |
Total domestic deposits to total assets | 89.5774% | 465 |
Equity capital to assets | 9.7315% | 4,167 |
Core capital (leverage) ratio | 9.7477% | 3,793 |
Tier 1 risk-based capital ratio | 14.5043% | 3,014 |
Total risk-based capital ratio | 15.7545% | 2,918 |
Memoranda: | ||
Average total assets | $150,771,600 | 3,290 |
Average earning assets | $138,012,600 | 3,310 |
Average equity | $15,557,400 | 3,585 |
Average total loans | $99,972,800 | 3,226 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1451% | 1,168 |
Cost of funding earning assets | 0.5193% | 4,065 |
Net interest margin | 4.6258% | 584 |
Noninterest income to average assets | 0.8842% | 1,173 |
Noninterest expense to average assets | 3.8099% | 650 |
Loan and lease loss provision to assets | 0.2308% | 733 |
Net operating income to assets | 1.0679% | 2,700 |
Return on assets (ROA) | 1.1249% | 2,566 |
Pretax return on assets | 1.1249% | 3,221 |
Return on Equity (ROE) | 10.7311% | 2,128 |
Retained earnings to average equity (ytd only) | 6.4145% | 2,165 |
Net charge-offs to loans | -0.0221% | 4,605 |
Credit loss provision to net charge-offs | -1,593.7500% | 4,503 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5793% | 1,482 |
Assets per employee ($millions) | 3.2399% | 4,718 |
Cash dividends to net income (ytd only)* | 40.2253% | 2,147 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2434% | 2,273 |
Loan loss allowance to noncurrent loans | 1,299.0291% | 472 |
Noncurrent assets plus other real estate owned to assets | 1.4050% | 825 |
Noncurrent loans to loans | 0.0957% | 4,220 |
Net loans and leases to total assets | 68.3338% | 2,741 |
Net loans and leases to deposits | 76.8038% | 3,220 |
Net loans and leases to core deposits | 78.8982% | 3,478 |
Total domestic deposits to total assets | 88.9720% | 618 |
Equity capital to assets | 10.3059% | 3,722 |
Core capital (leverage) ratio | 10.3537% | 3,246 |
Tier 1 risk-based capital ratio | 15.2624% | 2,732 |
Total risk-based capital ratio | 16.5130% | 2,664 |
Memoranda: | ||
Average total assets | $147,330,250 | 3,373 |
Average earning assets | $134,546,500 | 3,388 |
Average equity | $15,443,750 | 3,634 |
Average total loans | $96,575,500 | 3,313 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1192% | 1,176 |
Cost of funding earning assets | 0.4757% | 4,227 |
Net interest margin | 4.6435% | 560 |
Noninterest income to average assets | 0.8824% | 1,112 |
Noninterest expense to average assets | 3.7938% | 666 |
Loan and lease loss provision to assets | 0.2365% | 670 |
Net operating income to assets | 1.0913% | 2,560 |
Return on assets (ROA) | 1.1784% | 2,303 |
Pretax return on assets | 1.1784% | 2,983 |
Return on Equity (ROE) | 11.1743% | 1,911 |
Retained earnings to average equity (ytd only) | 4.6166% | 2,970 |
Net charge-offs to loans | -0.0689% | 4,916 |
Credit loss provision to net charge-offs | -534.3750% | 4,148 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0751% | 1,635 |
Assets per employee ($millions) | 3.1297% | 4,821 |
Cash dividends to net income (ytd only)* | 58.6854% | 1,444 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2306% | 2,358 |
Loan loss allowance to noncurrent loans | 365.9942% | 1,316 |
Noncurrent assets plus other real estate owned to assets | 1.5208% | 735 |
Noncurrent loans to loans | 0.3362% | 3,337 |
Net loans and leases to total assets | 69.2956% | 2,631 |
Net loans and leases to deposits | 78.1560% | 3,140 |
Net loans and leases to core deposits | 79.9133% | 3,430 |
Total domestic deposits to total assets | 88.6632% | 800 |
Equity capital to assets | 10.6087% | 3,430 |
Core capital (leverage) ratio | 10.3408% | 3,250 |
Tier 1 risk-based capital ratio | 14.6894% | 2,972 |
Total risk-based capital ratio | 15.9153% | 2,913 |
Memoranda: | ||
Average total assets | $144,602,670 | 3,418 |
Average earning assets | $132,013,670 | 3,444 |
Average equity | $15,249,330 | 3,659 |
Average total loans | $92,898,670 | 3,395 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8869% | 1,627 |
Cost of funding earning assets | 0.4332% | 4,355 |
Net interest margin | 4.4537% | 810 |
Noninterest income to average assets | 0.8789% | 1,085 |
Noninterest expense to average assets | 3.7501% | 698 |
Loan and lease loss provision to assets | 0.1674% | 1,004 |
Net operating income to assets | 1.0352% | 2,724 |
Return on assets (ROA) | 1.0352% | 2,762 |
Pretax return on assets | 1.0352% | 3,328 |
Return on Equity (ROE) | 9.8464% | 2,432 |
Retained earnings to average equity (ytd only) | 3.2114% | 3,643 |
Net charge-offs to loans | -0.1185% | 5,067 |
Credit loss provision to net charge-offs | -230.7692% | 3,670 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.7183% | 1,527 |
Assets per employee ($millions) | 3.2282% | 4,810 |
Cash dividends to net income (ytd only)* | 67.3854% | 1,171 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2281% | 2,437 |
Loan loss allowance to noncurrent loans | 945.0820% | 625 |
Noncurrent assets plus other real estate owned to assets | 1.4324% | 858 |
Noncurrent loans to loans | 0.1299% | 4,155 |
Net loans and leases to total assets | 62.4475% | 3,460 |
Net loans and leases to deposits | 70.0769% | 3,760 |
Net loans and leases to core deposits | 71.7662% | 3,961 |
Total domestic deposits to total assets | 89.1128% | 811 |
Equity capital to assets | 10.2663% | 3,558 |
Core capital (leverage) ratio | 10.5031% | 3,048 |
Tier 1 risk-based capital ratio | 15.7159% | 2,563 |
Total risk-based capital ratio | 16.9250% | 2,500 |
Memoranda: | ||
Average total assets | $143,356,000 | 3,476 |
Average earning assets | $131,125,500 | 3,500 |
Average equity | $15,071,500 | 3,693 |
Average total loans | $87,747,500 | 3,545 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5257% | 2,383 |
Cost of funding earning assets | 0.3319% | 4,398 |
Net interest margin | 4.1939% | 1,406 |
Noninterest income to average assets | 0.8061% | 1,428 |
Noninterest expense to average assets | 3.4536% | 1,063 |
Loan and lease loss provision to assets | 0.0558% | 3,052 |
Net operating income to assets | 1.0932% | 2,631 |
Return on assets (ROA) | 1.0932% | 2,625 |
Pretax return on assets | 1.0932% | 3,295 |
Return on Equity (ROE) | 12.6582% | 1,482 |
Retained earnings to average equity (ytd only) | 12.6582% | 267 |
Net charge-offs to loans | -0.0845% | 5,111 |
Credit loss provision to net charge-offs | -111.9403% | 4,406 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.0364% | 1,491 |
Assets per employee ($millions) | 3.0764% | 4,945 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3074% | 2,001 |
Loan loss allowance to noncurrent loans | 1,035.9223% | 596 |
Noncurrent assets plus other real estate owned to assets | 1.7235% | 619 |
Noncurrent loans to loans | 0.1262% | 4,164 |
Net loans and leases to total assets | 58.1803% | 3,944 |
Net loans and leases to deposits | 65.8709% | 4,130 |
Net loans and leases to core deposits | 67.5980% | 4,260 |
Total domestic deposits to total assets | 88.3247% | 1,151 |
Equity capital to assets | 10.9212% | 2,769 |
Core capital (leverage) ratio | 11.5386% | 2,074 |
Tier 1 risk-based capital ratio | 17.9658% | 1,761 |
Total risk-based capital ratio | 19.2148% | 1,724 |
Memoranda: | ||
Average total assets | $134,467,800 | 3,587 |
Average earning assets | $121,725,800 | 3,617 |
Average equity | $11,613,000 | 4,077 |
Average total loans | $79,318,600 | 3,680 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5348% | 2,172 |
Cost of funding earning assets | 0.3161% | 4,404 |
Net interest margin | 4.2187% | 1,306 |
Noninterest income to average assets | 0.7931% | 1,498 |
Noninterest expense to average assets | 3.4063% | 1,108 |
Loan and lease loss provision to assets | 0.0559% | 2,854 |
Net operating income to assets | 1.1438% | 2,463 |
Return on assets (ROA) | 1.1438% | 2,478 |
Pretax return on assets | 1.1438% | 3,222 |
Return on Equity (ROE) | 14.2191% | 1,060 |
Retained earnings to average equity (ytd only) | 14.2191% | 231 |
Net charge-offs to loans | -0.0152% | 4,532 |
Credit loss provision to net charge-offs | -622.2222% | 4,541 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9536% | 1,604 |
Assets per employee ($millions) | 3.3134% | 4,761 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2466% | 2,380 |
Loan loss allowance to noncurrent loans | 733.3333% | 775 |
Noncurrent assets plus other real estate owned to assets | 1.8518% | 612 |
Noncurrent loans to loans | 0.1700% | 4,127 |
Net loans and leases to total assets | 60.6904% | 3,778 |
Net loans and leases to deposits | 67.0319% | 4,125 |
Net loans and leases to core deposits | 68.7019% | 4,266 |
Total domestic deposits to total assets | 90.5396% | 327 |
Equity capital to assets | 8.6494% | 4,833 |
Core capital (leverage) ratio | 8.6591% | 4,995 |
Tier 1 risk-based capital ratio | 13.6035% | 3,573 |
Total risk-based capital ratio | 14.7992% | 3,512 |
Memoranda: | ||
Average total assets | $133,475,500 | 3,631 |
Average earning assets | $120,634,500 | 3,670 |
Average equity | $10,736,500 | 4,238 |
Average total loans | $78,745,750 | 3,721 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4417% | 2,284 |
Cost of funding earning assets | 0.2931% | 4,462 |
Net interest margin | 4.1486% | 1,417 |
Noninterest income to average assets | 0.8273% | 1,400 |
Noninterest expense to average assets | 3.3686% | 1,184 |
Loan and lease loss provision to assets | 0.0563% | 2,783 |
Net operating income to assets | 1.1594% | 2,352 |
Return on assets (ROA) | 1.1594% | 2,353 |
Pretax return on assets | 1.1594% | 3,099 |
Return on Equity (ROE) | 14.7691% | 899 |
Retained earnings to average equity (ytd only) | 14.7691% | 215 |
Net charge-offs to loans | -0.0637% | 5,000 |
Credit loss provision to net charge-offs | -152.0000% | 4,141 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.4799% | 1,786 |
Assets per employee ($millions) | 3.4942% | 4,605 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2115% | 2,652 |
Loan loss allowance to noncurrent loans | 803.2520% | 736 |
Noncurrent assets plus other real estate owned to assets | 1.8000% | 648 |
Noncurrent loans to loans | 0.1508% | 4,225 |
Net loans and leases to total assets | 60.6735% | 3,744 |
Net loans and leases to deposits | 66.6769% | 4,127 |
Net loans and leases to core deposits | 68.2888% | 4,238 |
Total domestic deposits to total assets | 90.9962% | 249 |
Equity capital to assets | 8.2235% | 5,118 |
Core capital (leverage) ratio | 8.1092% | 5,308 |
Tier 1 risk-based capital ratio | 12.6620% | 4,090 |
Total risk-based capital ratio | 13.8085% | 4,047 |
Memoranda: | ||
Average total assets | $134,893,000 | 3,633 |
Average earning assets | $122,161,330 | 3,664 |
Average equity | $10,589,670 | 4,296 |
Average total loans | $78,522,330 | 3,737 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2963% | 2,532 |
Cost of funding earning assets | 0.2866% | 4,444 |
Net interest margin | 4.0097% | 1,696 |
Noninterest income to average assets | 0.7620% | 1,584 |
Noninterest expense to average assets | 3.3542% | 1,243 |
Loan and lease loss provision to assets | 0.0559% | 2,650 |
Net operating income to assets | 0.9739% | 2,970 |
Return on assets (ROA) | 0.9739% | 2,999 |
Pretax return on assets | 0.9739% | 3,623 |
Return on Equity (ROE) | 12.7002% | 1,352 |
Retained earnings to average equity (ytd only) | 12.7002% | 567 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.5101% | 1,518 |
Assets per employee ($millions) | 3.3278% | 4,871 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2160% | 2,715 |
Loan loss allowance to noncurrent loans | 337.1429% | 1,521 |
Noncurrent assets plus other real estate owned to assets | 1.9276% | 609 |
Noncurrent loans to loans | 0.3607% | 3,477 |
Net loans and leases to total assets | 56.2072% | 4,104 |
Net loans and leases to deposits | 61.3499% | 4,377 |
Net loans and leases to core deposits | 62.3287% | 4,536 |
Total domestic deposits to total assets | 91.6174% | 169 |
Equity capital to assets | 7.6687% | 5,378 |
Core capital (leverage) ratio | 7.7853% | 5,451 |
Tier 1 risk-based capital ratio | 12.6030% | 4,174 |
Total risk-based capital ratio | 13.7416% | 4,151 |
Memoranda: | ||
Average total assets | $135,950,500 | 3,660 |
Average earning assets | $122,803,000 | 3,699 |
Average equity | $10,425,000 | 4,363 |
Average total loans | $77,009,000 | 3,806 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2491% | 2,501 |
Cost of funding earning assets | 0.3050% | 4,087 |
Net interest margin | 3.9441% | 1,939 |
Noninterest income to average assets | -0.4228% | 5,659 |
Noninterest expense to average assets | 3.3960% | 1,204 |
Loan and lease loss provision to assets | -0.1510% | 5,537 |
Net operating income to assets | -0.1631% | 5,440 |
Return on assets (ROA) | -0.1631% | 5,441 |
Pretax return on assets | -0.1631% | 5,489 |
Return on Equity (ROE) | -2.1522% | 5,465 |
Retained earnings to average equity (ytd only) | -2.1522% | 5,294 |
Net charge-offs to loans | 0.0543% | 2,720 |
Credit loss provision to net charge-offs | -500.0000% | 4,946 |
Earnings coverage of net charge-offs (x) | -10.4000% | 4,087 |
Efficiency ratio | 110.1911% | 105 |
Assets per employee ($millions) | 3.1503% | 5,080 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2110% | 2,706 |
Loan loss allowance to noncurrent loans | 311.4478% | 1,622 |
Noncurrent assets plus other real estate owned to assets | 2.2737% | 440 |
Noncurrent loans to loans | 0.3888% | 3,368 |
Net loans and leases to total assets | 55.7060% | 4,219 |
Net loans and leases to deposits | 60.8223% | 4,513 |
Net loans and leases to core deposits | 61.9259% | 4,659 |
Total domestic deposits to total assets | 91.5881% | 126 |
Equity capital to assets | 7.6678% | 5,498 |
Core capital (leverage) ratio | 7.8098% | 5,494 |
Tier 1 risk-based capital ratio | 12.8069% | 4,032 |
Total risk-based capital ratio | 14.0676% | 3,922 |
Memoranda: | ||
Average total assets | $132,450,000 | 3,709 |
Average earning assets | $117,695,600 | 3,794 |
Average equity | $10,036,200 | 4,439 |
Average total loans | $73,605,800 | 3,883 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2521% | 2,427 |
Cost of funding earning assets | 0.3080% | 4,052 |
Net interest margin | 3.9441% | 1,877 |
Noninterest income to average assets | 0.6054% | 2,449 |
Noninterest expense to average assets | 3.3662% | 1,210 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.7269% | 3,834 |
Return on assets (ROA) | 0.7269% | 3,905 |
Pretax return on assets | 0.7269% | 4,536 |
Return on Equity (ROE) | 9.6227% | 2,294 |
Retained earnings to average equity (ytd only) | 9.6227% | 672 |
Net charge-offs to loans | 0.0640% | 2,200 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | 20.5123% | 1,949 |
Efficiency ratio | 82.2409% | 895 |
Assets per employee ($millions) | 3.0883% | 5,191 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5215% | 1,460 |
Loan loss allowance to noncurrent loans | 221.1350% | 2,061 |
Noncurrent assets plus other real estate owned to assets | 3.5064% | 219 |
Noncurrent loans to loans | 0.6881% | 2,643 |
Net loans and leases to total assets | 56.3863% | 4,200 |
Net loans and leases to deposits | 61.8725% | 4,516 |
Net loans and leases to core deposits | 62.9363% | 4,656 |
Total domestic deposits to total assets | 91.1331% | 156 |
Equity capital to assets | 8.1021% | 5,480 |
Core capital (leverage) ratio | 7.7108% | 5,592 |
Tier 1 risk-based capital ratio | 12.6120% | 4,256 |
Total risk-based capital ratio | 13.8641% | 4,156 |
Memoranda: | ||
Average total assets | $131,696,750 | 3,759 |
Average earning assets | $116,458,250 | 3,852 |
Average equity | $9,948,500 | 4,506 |
Average total loans | $72,910,750 | 3,928 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2200% | 2,402 |
Cost of funding earning assets | 0.3042% | 4,041 |
Net interest margin | 3.9158% | 1,875 |
Noninterest income to average assets | 0.5289% | 2,836 |
Noninterest expense to average assets | 3.4164% | 1,134 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.5742% | 4,412 |
Return on assets (ROA) | 0.5742% | 4,469 |
Pretax return on assets | 0.5742% | 4,853 |
Return on Equity (ROE) | 7.7856% | 3,151 |
Retained earnings to average equity (ytd only) | 7.7856% | 1,242 |
Net charge-offs to loans | 0.0304% | 2,599 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 34.5455% | 1,364 |
Efficiency ratio | 85.6115% | 724 |
Assets per employee ($millions) | 3.1804% | 5,118 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5653% | 1,348 |
Loan loss allowance to noncurrent loans | 304.4855% | 1,557 |
Noncurrent assets plus other real estate owned to assets | 3.3060% | 254 |
Noncurrent loans to loans | 0.5141% | 3,214 |
Net loans and leases to total assets | 54.3271% | 4,365 |
Net loans and leases to deposits | 59.2658% | 4,682 |
Net loans and leases to core deposits | 60.2474% | 4,810 |
Total domestic deposits to total assets | 91.6669% | 110 |
Equity capital to assets | 7.6077% | 5,637 |
Core capital (leverage) ratio | 7.3344% | 5,676 |
Tier 1 risk-based capital ratio | 12.2600% | 4,452 |
Total risk-based capital ratio | 13.5120% | 4,336 |
Memoranda: | ||
Average total assets | $132,360,000 | 3,774 |
Average earning assets | $117,013,670 | 3,855 |
Average equity | $9,761,670 | 4,546 |
Average total loans | $72,458,670 | 3,961 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1181% | 2,584 |
Cost of funding earning assets | 0.3033% | 4,010 |
Net interest margin | 3.8149% | 2,068 |
Noninterest income to average assets | 0.5252% | 2,795 |
Noninterest expense to average assets | 3.4732% | 1,081 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.4129% | 4,913 |
Return on assets (ROA) | 0.4129% | 4,936 |
Pretax return on assets | 0.4129% | 5,142 |
Return on Equity (ROE) | 5.6895% | 4,046 |
Retained earnings to average equity (ytd only) | 5.6895% | 2,497 |
Net charge-offs to loans | -0.0947% | 5,435 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.3750% | 586 |
Assets per employee ($millions) | 3.1481% | 5,224 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6535% | 1,242 |
Loan loss allowance to noncurrent loans | 332.9577% | 1,486 |
Noncurrent assets plus other real estate owned to assets | 3.3375% | 267 |
Noncurrent loans to loans | 0.4966% | 3,315 |
Net loans and leases to total assets | 51.9347% | 4,523 |
Net loans and leases to deposits | 56.3320% | 4,796 |
Net loans and leases to core deposits | 57.2462% | 4,914 |
Total domestic deposits to total assets | 92.1940% | 86 |
Equity capital to assets | 7.1404% | 5,739 |
Core capital (leverage) ratio | 7.1744% | 5,751 |
Tier 1 risk-based capital ratio | 12.0176% | 4,704 |
Total risk-based capital ratio | 13.2701% | 4,597 |
Memoranda: | ||
Average total assets | $131,752,000 | 3,817 |
Average earning assets | $116,072,000 | 3,918 |
Average equity | $9,561,500 | 4,610 |
Average total loans | $71,827,000 | 4,008 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2743% | 2,235 |
Cost of funding earning assets | 0.3204% | 3,844 |
Net interest margin | 3.9539% | 1,777 |
Noninterest income to average assets | 0.6745% | 2,295 |
Noninterest expense to average assets | 3.7269% | 852 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.3894% | 4,980 |
Return on assets (ROA) | 0.4164% | 4,969 |
Pretax return on assets | 0.4164% | 5,191 |
Return on Equity (ROE) | 6.0753% | 3,943 |
Retained earnings to average equity (ytd only) | 6.0753% | 1,669 |
Net charge-offs to loans | -0.0195% | 5,122 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.5405% | 525 |
Assets per employee ($millions) | 2.7263% | 5,546 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6143% | 1,337 |
Loan loss allowance to noncurrent loans | 266.5904% | 1,801 |
Noncurrent assets plus other real estate owned to assets | 3.6946% | 223 |
Noncurrent loans to loans | 0.6055% | 3,033 |
Net loans and leases to total assets | 55.4131% | 4,315 |
Net loans and leases to deposits | 60.2972% | 4,651 |
Net loans and leases to core deposits | 61.2026% | 4,794 |
Total domestic deposits to total assets | 91.8999% | 115 |
Equity capital to assets | 7.3806% | 5,740 |
Core capital (leverage) ratio | 7.4670% | 5,760 |
Tier 1 risk-based capital ratio | 12.2543% | 4,532 |
Total risk-based capital ratio | 13.5068% | 4,413 |
Memoranda: | ||
Average total assets | $129,436,400 | 3,840 |
Average earning assets | $112,672,600 | 3,955 |
Average equity | $8,872,000 | 4,782 |
Average total loans | $71,827,400 | 4,000 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2707% | 2,258 |
Cost of funding earning assets | 0.3206% | 3,862 |
Net interest margin | 3.9501% | 1,816 |
Noninterest income to average assets | 0.7141% | 2,113 |
Noninterest expense to average assets | 3.7175% | 827 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.4274% | 4,940 |
Return on assets (ROA) | 0.4634% | 4,901 |
Pretax return on assets | 0.4634% | 5,202 |
Return on Equity (ROE) | 6.8913% | 3,615 |
Retained earnings to average equity (ytd only) | 6.8913% | 1,678 |
Net charge-offs to loans | -0.0186% | 4,980 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6877% | 577 |
Assets per employee ($millions) | 2.6128% | 5,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6102% | 1,439 |
Loan loss allowance to noncurrent loans | 318.9560% | 1,544 |
Noncurrent assets plus other real estate owned to assets | 3.7141% | 247 |
Noncurrent loans to loans | 0.5048% | 3,483 |
Net loans and leases to total assets | 56.5678% | 4,243 |
Net loans and leases to deposits | 61.8847% | 4,633 |
Net loans and leases to core deposits | 62.8379% | 4,785 |
Total domestic deposits to total assets | 91.4085% | 125 |
Equity capital to assets | 7.8149% | 5,791 |
Core capital (leverage) ratio | 7.2415% | 5,858 |
Tier 1 risk-based capital ratio | 11.9731% | 4,808 |
Total risk-based capital ratio | 13.2254% | 4,704 |
Memoranda: | ||
Average total assets | $129,762,000 | 3,857 |
Average earning assets | $112,702,500 | 3,980 |
Average equity | $8,725,750 | 4,850 |
Average total loans | $71,742,250 | 4,025 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1869% | 2,553 |
Cost of funding earning assets | 0.3179% | 3,921 |
Net interest margin | 3.8690% | 2,088 |
Noninterest income to average assets | 0.6996% | 2,145 |
Noninterest expense to average assets | 3.6186% | 983 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4390% | 4,908 |
Return on assets (ROA) | 0.4923% | 4,808 |
Pretax return on assets | 0.4923% | 5,146 |
Return on Equity (ROE) | 7.7205% | 3,130 |
Retained earnings to average equity (ytd only) | 7.7205% | 1,280 |
Net charge-offs to loans | -0.0084% | 4,647 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.1811% | 644 |
Assets per employee ($millions) | 2.5747% | 5,749 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5800% | 1,586 |
Loan loss allowance to noncurrent loans | 472.9508% | 1,118 |
Noncurrent assets plus other real estate owned to assets | 3.4589% | 313 |
Noncurrent loans to loans | 0.3341% | 4,168 |
Net loans and leases to total assets | 53.6901% | 4,537 |
Net loans and leases to deposits | 58.3869% | 4,880 |
Net loans and leases to core deposits | 59.2219% | 5,011 |
Total domestic deposits to total assets | 91.9558% | 90 |
Equity capital to assets | 6.5541% | 5,987 |
Core capital (leverage) ratio | 7.0684% | 5,943 |
Tier 1 risk-based capital ratio | 11.8947% | 4,898 |
Total risk-based capital ratio | 13.1470% | 4,796 |
Memoranda: | ||
Average total assets | $131,211,330 | 3,856 |
Average earning assets | $113,879,670 | 3,979 |
Average equity | $8,367,330 | 4,954 |
Average total loans | $71,621,330 | 4,053 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2023% | 2,464 |
Cost of funding earning assets | 0.3200% | 3,947 |
Net interest margin | 3.8824% | 1,987 |
Noninterest income to average assets | 0.6653% | 2,190 |
Noninterest expense to average assets | 3.6004% | 1,018 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.4281% | 4,910 |
Return on assets (ROA) | 0.5359% | 4,591 |
Pretax return on assets | 0.5359% | 4,994 |
Return on Equity (ROE) | 8.5258% | 2,651 |
Retained earnings to average equity (ytd only) | 8.5258% | 1,254 |
Net charge-offs to loans | -0.0282% | 5,035 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.3731% | 713 |
Assets per employee ($millions) | 2.7037% | 5,728 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6206% | 1,548 |
Loan loss allowance to noncurrent loans | 460.5578% | 1,111 |
Noncurrent assets plus other real estate owned to assets | 3.7017% | 287 |
Noncurrent loans to loans | 0.3519% | 4,169 |
Net loans and leases to total assets | 54.0743% | 4,444 |
Net loans and leases to deposits | 58.7419% | 4,800 |
Net loans and leases to core deposits | 59.4808% | 4,970 |
Total domestic deposits to total assets | 92.0541% | 105 |
Equity capital to assets | 6.3902% | 6,051 |
Core capital (leverage) ratio | 6.9509% | 6,003 |
Tier 1 risk-based capital ratio | 11.8514% | 5,009 |
Total risk-based capital ratio | 13.1040% | 4,912 |
Memoranda: | ||
Average total assets | $129,874,500 | 3,913 |
Average earning assets | $112,509,000 | 4,033 |
Average equity | $8,163,500 | 5,025 |
Average total loans | $70,913,500 | 4,093 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1535% | 2,727 |
Cost of funding earning assets | 0.3491% | 3,707 |
Net interest margin | 3.8044% | 2,359 |
Noninterest income to average assets | 0.6329% | 2,548 |
Noninterest expense to average assets | 3.6921% | 988 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.1991% | 5,578 |
Return on assets (ROA) | 0.2580% | 5,538 |
Pretax return on assets | 0.2580% | 5,603 |
Return on Equity (ROE) | 4.1371% | 4,882 |
Retained earnings to average equity (ytd only) | 4.1371% | 3,056 |
Net charge-offs to loans | 0.0258% | 3,719 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 15.1176% | 2,228 |
Efficiency ratio | 94.8835% | 442 |
Assets per employee ($millions) | 2.4069% | 5,934 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6327% | 1,520 |
Loan loss allowance to noncurrent loans | 423.1618% | 1,215 |
Noncurrent assets plus other real estate owned to assets | 4.8526% | 182 |
Noncurrent loans to loans | 0.3858% | 4,070 |
Net loans and leases to total assets | 53.3530% | 4,555 |
Net loans and leases to deposits | 57.8059% | 4,926 |
Net loans and leases to core deposits | 58.5290% | 5,077 |
Total domestic deposits to total assets | 92.2968% | 83 |
Equity capital to assets | 6.1813% | 6,109 |
Core capital (leverage) ratio | 6.8486% | 6,064 |
Tier 1 risk-based capital ratio | 11.0736% | 5,484 |
Total risk-based capital ratio | 12.3265% | 5,385 |
Memoranda: | ||
Average total assets | $129,085,600 | 3,903 |
Average earning assets | $110,557,000 | 4,059 |
Average equity | $8,049,200 | 5,052 |
Average total loans | $65,987,600 | 4,198 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1218% | 2,846 |
Cost of funding earning assets | 0.3553% | 3,692 |
Net interest margin | 3.7665% | 2,504 |
Noninterest income to average assets | 0.7957% | 1,818 |
Noninterest expense to average assets | 3.6979% | 979 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.3114% | 5,422 |
Return on assets (ROA) | 0.3901% | 5,287 |
Pretax return on assets | 0.3901% | 5,479 |
Return on Equity (ROE) | 6.2418% | 4,032 |
Retained earnings to average equity (ytd only) | 6.2418% | 2,095 |
Net charge-offs to loans | 0.0288% | 3,364 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 21.4954% | 1,823 |
Efficiency ratio | 92.2323% | 557 |
Assets per employee ($millions) | 2.6166% | 5,895 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6964% | 1,475 |
Loan loss allowance to noncurrent loans | 469.1057% | 1,084 |
Noncurrent assets plus other real estate owned to assets | 5.4175% | 167 |
Noncurrent loans to loans | 0.3616% | 4,319 |
Net loans and leases to total assets | 52.1581% | 4,741 |
Net loans and leases to deposits | 58.4200% | 4,959 |
Net loans and leases to core deposits | 59.1858% | 5,120 |
Total domestic deposits to total assets | 89.2812% | 882 |
Equity capital to assets | 6.4229% | 6,183 |
Core capital (leverage) ratio | 6.9051% | 6,143 |
Tier 1 risk-based capital ratio | 11.2691% | 5,511 |
Total risk-based capital ratio | 12.5214% | 5,405 |
Memoranda: | ||
Average total assets | $128,864,000 | 3,949 |
Average earning assets | $109,948,250 | 4,117 |
Average equity | $8,053,000 | 5,117 |
Average total loans | $64,860,750 | 4,282 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0740% | 2,998 |
Cost of funding earning assets | 0.3611% | 3,685 |
Net interest margin | 3.7129% | 2,655 |
Noninterest income to average assets | 0.7763% | 1,893 |
Noninterest expense to average assets | 3.6132% | 1,102 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.3331% | 5,349 |
Return on assets (ROA) | 0.4292% | 5,144 |
Pretax return on assets | 0.4292% | 5,404 |
Return on Equity (ROE) | 6.9316% | 3,652 |
Retained earnings to average equity (ytd only) | 6.9316% | 1,728 |
Net charge-offs to loans | 0.0031% | 3,796 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 215.0000% | 328 |
Efficiency ratio | 91.5587% | 661 |
Assets per employee ($millions) | 2.6388% | 5,959 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7592% | 1,470 |
Loan loss allowance to noncurrent loans | 447.1264% | 1,128 |
Noncurrent assets plus other real estate owned to assets | 5.3851% | 189 |
Noncurrent loans to loans | 0.3935% | 4,303 |
Net loans and leases to total assets | 50.4010% | 4,898 |
Net loans and leases to deposits | 55.2889% | 5,172 |
Net loans and leases to core deposits | 56.2325% | 5,296 |
Total domestic deposits to total assets | 91.1594% | 264 |
Equity capital to assets | 6.1809% | 6,262 |
Core capital (leverage) ratio | 6.8353% | 6,209 |
Tier 1 risk-based capital ratio | 11.1394% | 5,646 |
Total risk-based capital ratio | 12.3926% | 5,568 |
Memoranda: | ||
Average total assets | $129,080,670 | 3,979 |
Average earning assets | $110,211,330 | 4,149 |
Average equity | $7,992,330 | 5,169 |
Average total loans | $63,805,000 | 4,341 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0650% | 2,970 |
Cost of funding earning assets | 0.3851% | 3,466 |
Net interest margin | 3.6799% | 2,700 |
Noninterest income to average assets | 0.7537% | 1,891 |
Noninterest expense to average assets | 3.6567% | 1,061 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.2388% | 5,593 |
Return on assets (ROA) | 0.2388% | 5,683 |
Pretax return on assets | 0.2388% | 5,774 |
Return on Equity (ROE) | 3.8536% | 5,037 |
Retained earnings to average equity (ytd only) | 3.8536% | 3,688 |
Net charge-offs to loans | 0.1535% | 1,339 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 3.2083% | 2,640 |
Efficiency ratio | 93.8694% | 601 |
Assets per employee ($millions) | 2.7392% | 5,939 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8456% | 1,404 |
Loan loss allowance to noncurrent loans | 310.2981% | 1,544 |
Noncurrent assets plus other real estate owned to assets | 5.4994% | 205 |
Noncurrent loans to loans | 0.5948% | 3,795 |
Net loans and leases to total assets | 47.3008% | 5,100 |
Net loans and leases to deposits | 51.3003% | 5,373 |
Net loans and leases to core deposits | 52.0354% | 5,487 |
Total domestic deposits to total assets | 92.2038% | 132 |
Equity capital to assets | 6.3126% | 6,322 |
Core capital (leverage) ratio | 6.5942% | 6,284 |
Tier 1 risk-based capital ratio | 11.5588% | 5,523 |
Total risk-based capital ratio | 12.8124% | 5,435 |
Memoranda: | ||
Average total assets | $128,970,500 | 4,011 |
Average earning assets | $110,111,500 | 4,178 |
Average equity | $7,992,500 | 5,214 |
Average total loans | $62,539,500 | 4,412 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9968% | 3,741 |
Cost of funding earning assets | 0.4788% | 2,889 |
Net interest margin | 3.5180% | 3,726 |
Noninterest income to average assets | 0.7832% | 1,939 |
Noninterest expense to average assets | 3.7011% | 1,147 |
Loan and lease loss provision to assets | 0.0809% | 2,862 |
Net operating income to assets | 0.0285% | 6,057 |
Return on assets (ROA) | 0.0223% | 6,083 |
Pretax return on assets | 0.0223% | 6,070 |
Return on Equity (ROE) | 0.3757% | 6,059 |
Retained earnings to average equity (ytd only) | 0.3757% | 5,609 |
Net charge-offs to loans | 0.6573% | 585 |
Credit loss provision to net charge-offs | 25.7985% | 3,906 |
Earnings coverage of net charge-offs (x) | 0.3489% | 4,656 |
Efficiency ratio | 97.1302% | 462 |
Assets per employee ($millions) | 2.9351% | 5,780 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8544% | 1,412 |
Loan loss allowance to noncurrent loans | 170.9064% | 2,546 |
Noncurrent assets plus other real estate owned to assets | 5.7594% | 210 |
Noncurrent loans to loans | 1.0851% | 2,652 |
Net loans and leases to total assets | 47.9066% | 5,167 |
Net loans and leases to deposits | 52.6800% | 5,432 |
Net loans and leases to core deposits | 53.3330% | 5,541 |
Total domestic deposits to total assets | 90.9389% | 392 |
Equity capital to assets | 6.4362% | 6,383 |
Core capital (leverage) ratio | 6.6125% | 6,356 |
Tier 1 risk-based capital ratio | 11.3785% | 5,728 |
Total risk-based capital ratio | 12.6330% | 5,649 |
Memoranda: | ||
Average total assets | $129,852,200 | 3,977 |
Average earning assets | $111,738,200 | 4,142 |
Average equity | $7,718,400 | 5,265 |
Average total loans | $61,922,200 | 4,429 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9700% | 3,879 |
Cost of funding earning assets | 0.4952% | 2,813 |
Net interest margin | 3.4748% | 3,924 |
Noninterest income to average assets | 0.7793% | 1,972 |
Noninterest expense to average assets | 3.6576% | 1,202 |
Loan and lease loss provision to assets | 0.1077% | 2,245 |
Net operating income to assets | 0.0144% | 6,130 |
Return on assets (ROA) | 0.0062% | 6,149 |
Pretax return on assets | 0.0062% | 6,140 |
Return on Equity (ROE) | 0.1057% | 6,147 |
Retained earnings to average equity (ytd only) | 0.1057% | 5,769 |
Net charge-offs to loans | 0.9366% | 344 |
Credit loss provision to net charge-offs | 24.2494% | 3,533 |
Earnings coverage of net charge-offs (x) | 0.2748% | 4,414 |
Efficiency ratio | 96.7716% | 476 |
Assets per employee ($millions) | 2.6685% | 6,102 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7670% | 1,775 |
Loan loss allowance to noncurrent loans | 70.5120% | 4,473 |
Noncurrent assets plus other real estate owned to assets | 5.8595% | 243 |
Noncurrent loans to loans | 2.5059% | 1,168 |
Net loans and leases to total assets | 50.6650% | 4,928 |
Net loans and leases to deposits | 55.8422% | 5,252 |
Net loans and leases to core deposits | 56.6826% | 5,410 |
Total domestic deposits to total assets | 90.7288% | 445 |
Equity capital to assets | 6.4814% | 6,447 |
Core capital (leverage) ratio | 6.5944% | 6,429 |
Tier 1 risk-based capital ratio | 11.1079% | 5,950 |
Total risk-based capital ratio | 12.3611% | 5,900 |
Memoranda: | ||
Average total assets | $130,029,000 | 4,005 |
Average earning assets | $112,273,750 | 4,165 |
Average equity | $7,570,000 | 5,339 |
Average total loans | $61,643,250 | 4,474 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9798% | 3,818 |
Cost of funding earning assets | 0.5100% | 2,731 |
Net interest margin | 3.4698% | 3,894 |
Noninterest income to average assets | 0.7738% | 1,943 |
Noninterest expense to average assets | 3.5906% | 1,311 |
Loan and lease loss provision to assets | 0.1368% | 1,809 |
Net operating income to assets | 0.0456% | 6,142 |
Return on assets (ROA) | 0.0502% | 6,159 |
Pretax return on assets | 0.0502% | 6,151 |
Return on Equity (ROE) | 0.8939% | 6,074 |
Retained earnings to average equity (ytd only) | 0.8939% | 5,393 |
Net charge-offs to loans | 0.2012% | 1,821 |
Credit loss provision to net charge-offs | 147.5410% | 1,473 |
Earnings coverage of net charge-offs (x) | 1.9672% | 3,682 |
Efficiency ratio | 95.1652% | 595 |
Assets per employee ($millions) | 3.0283% | 5,720 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4858% | 730 |
Loan loss allowance to noncurrent loans | 180.0720% | 2,338 |
Noncurrent assets plus other real estate owned to assets | 5.2536% | 325 |
Noncurrent loans to loans | 1.3805% | 2,498 |
Net loans and leases to total assets | 45.1880% | 5,445 |
Net loans and leases to deposits | 49.9711% | 5,637 |
Net loans and leases to core deposits | 50.6961% | 5,752 |
Total domestic deposits to total assets | 90.4282% | 611 |
Equity capital to assets | 6.1567% | 6,523 |
Core capital (leverage) ratio | 6.3507% | 6,504 |
Tier 1 risk-based capital ratio | 11.7158% | 5,686 |
Total risk-based capital ratio | 12.9764% | 5,624 |
Memoranda: | ||
Average total assets | $131,565,330 | 4,002 |
Average earning assets | $113,725,330 | 4,153 |
Average equity | $7,383,670 | 5,395 |
Average total loans | $60,628,670 | 4,529 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0074% | 3,652 |
Cost of funding earning assets | 0.5105% | 2,800 |
Net interest margin | 3.4968% | 3,709 |
Noninterest income to average assets | 0.9105% | 1,357 |
Noninterest expense to average assets | 3.7266% | 1,088 |
Loan and lease loss provision to assets | 0.1361% | 1,780 |
Net operating income to assets | 0.0726% | 6,083 |
Return on assets (ROA) | 0.0726% | 6,108 |
Pretax return on assets | 0.0726% | 6,118 |
Return on Equity (ROE) | 1.3584% | 5,959 |
Retained earnings to average equity (ytd only) | 1.3584% | 5,068 |
Net charge-offs to loans | -0.0592% | 5,882 |
Credit loss provision to net charge-offs | -500.0000% | 5,177 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.6964% | 712 |
Assets per employee ($millions) | 2.9153% | 5,960 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5268% | 789 |
Loan loss allowance to noncurrent loans | 92.6488% | 3,802 |
Noncurrent assets plus other real estate owned to assets | 5.5054% | 344 |
Noncurrent loans to loans | 2.7272% | 1,234 |
Net loans and leases to total assets | 43.8682% | 5,525 |
Net loans and leases to deposits | 48.7197% | 5,690 |
Net loans and leases to core deposits | 49.2013% | 5,814 |
Total domestic deposits to total assets | 90.0421% | 1,053 |
Equity capital to assets | 5.5539% | 6,601 |
Core capital (leverage) ratio | 6.3296% | 6,552 |
Tier 1 risk-based capital ratio | 11.3771% | 5,974 |
Total risk-based capital ratio | 12.6378% | 5,924 |
Memoranda: | ||
Average total assets | $132,240,000 | 4,028 |
Average earning assets | $114,389,000 | 4,173 |
Average equity | $7,067,000 | 5,498 |
Average total loans | $60,772,000 | 4,560 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1851% | 3,394 |
Cost of funding earning assets | 0.6353% | 2,336 |
Net interest margin | 3.5497% | 3,684 |
Noninterest income to average assets | 0.5722% | 3,261 |
Noninterest expense to average assets | 3.6572% | 1,357 |
Loan and lease loss provision to assets | 0.2954% | 1,149 |
Net operating income to assets | -0.3234% | 6,426 |
Return on assets (ROA) | -0.1898% | 6,366 |
Pretax return on assets | -0.1898% | 6,341 |
Return on Equity (ROE) | -3.5572% | 6,448 |
Retained earnings to average equity (ytd only) | -3.5572% | 6,298 |
Net charge-offs to loans | 1.2857% | 399 |
Credit loss provision to net charge-offs | 50.2513% | 3,806 |
Earnings coverage of net charge-offs (x) | -0.0477% | 5,101 |
Efficiency ratio | 100.7731% | 456 |
Assets per employee ($millions) | 2.8972% | 5,990 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4040% | 926 |
Loan loss allowance to noncurrent loans | 76.4553% | 4,283 |
Noncurrent assets plus other real estate owned to assets | 6.0579% | 317 |
Noncurrent loans to loans | 3.1443% | 1,092 |
Net loans and leases to total assets | 45.8052% | 5,507 |
Net loans and leases to deposits | 50.6832% | 5,717 |
Net loans and leases to core deposits | 51.3072% | 5,852 |
Total domestic deposits to total assets | 90.3755% | 891 |
Equity capital to assets | 5.1282% | 6,680 |
Core capital (leverage) ratio | 6.3804% | 6,612 |
Tier 1 risk-based capital ratio | 11.0974% | 6,120 |
Total risk-based capital ratio | 12.3558% | 6,069 |
Memoranda: | ||
Average total assets | $135,431,400 | 3,970 |
Average earning assets | $116,629,000 | 4,119 |
Average equity | $7,224,800 | 5,510 |
Average total loans | $61,910,600 | 4,551 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1873% | 3,435 |
Cost of funding earning assets | 0.6658% | 2,213 |
Net interest margin | 3.5215% | 3,790 |
Noninterest income to average assets | 0.5345% | 3,564 |
Noninterest expense to average assets | 3.6616% | 1,306 |
Loan and lease loss provision to assets | 0.2390% | 1,508 |
Net operating income to assets | -0.3326% | 6,541 |
Return on assets (ROA) | -0.1561% | 6,465 |
Pretax return on assets | -0.1561% | 6,447 |
Return on Equity (ROE) | -2.8987% | 6,515 |
Retained earnings to average equity (ytd only) | -2.8987% | 6,344 |
Net charge-offs to loans | 0.0129% | 4,879 |
Credit loss provision to net charge-offs | 4,083.3333% | 81 |
Earnings coverage of net charge-offs (x) | -16.0000% | 5,179 |
Efficiency ratio | 102.6244% | 387 |
Assets per employee ($millions) | 2.8676% | 6,054 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4653% | 347 |
Loan loss allowance to noncurrent loans | 110.3774% | 3,228 |
Noncurrent assets plus other real estate owned to assets | 6.1353% | 384 |
Noncurrent loans to loans | 3.1395% | 1,259 |
Net loans and leases to total assets | 45.4650% | 5,595 |
Net loans and leases to deposits | 50.4571% | 5,803 |
Net loans and leases to core deposits | 51.0858% | 5,941 |
Total domestic deposits to total assets | 90.1062% | 934 |
Equity capital to assets | 4.9179% | 6,773 |
Core capital (leverage) ratio | 6.3329% | 6,687 |
Tier 1 risk-based capital ratio | 11.3793% | 6,107 |
Total risk-based capital ratio | 12.6494% | 6,070 |
Memoranda: | ||
Average total assets | $136,695,250 | 3,981 |
Average earning assets | $117,750,750 | 4,132 |
Average equity | $7,359,500 | 5,548 |
Average total loans | $62,090,750 | 4,577 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1257% | 3,639 |
Cost of funding earning assets | 0.6834% | 2,196 |
Net interest margin | 3.4422% | 4,033 |
Noninterest income to average assets | 0.4280% | 4,319 |
Noninterest expense to average assets | 3.5606% | 1,480 |
Loan and lease loss provision to assets | 0.3519% | 942 |
Net operating income to assets | -0.5185% | 6,641 |
Return on assets (ROA) | -0.2585% | 6,556 |
Pretax return on assets | -0.2585% | 6,531 |
Return on Equity (ROE) | -4.6769% | 6,631 |
Retained earnings to average equity (ytd only) | -4.6769% | 6,435 |
Net charge-offs to loans | -0.0192% | 5,955 |
Credit loss provision to net charge-offs | -4,083.3333% | 6,214 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 104.9090% | 369 |
Assets per employee ($millions) | 3.0417% | 5,782 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4953% | 374 |
Loan loss allowance to noncurrent loans | 104.1298% | 3,363 |
Noncurrent assets plus other real estate owned to assets | 5.8234% | 480 |
Noncurrent loans to loans | 3.3567% | 1,290 |
Net loans and leases to total assets | 42.7227% | 5,849 |
Net loans and leases to deposits | 48.1506% | 5,974 |
Net loans and leases to core deposits | 48.6883% | 6,093 |
Total domestic deposits to total assets | 88.7272% | 1,767 |
Equity capital to assets | 4.7517% | 6,838 |
Core capital (leverage) ratio | 6.0830% | 6,744 |
Tier 1 risk-based capital ratio | 11.3883% | 6,162 |
Total risk-based capital ratio | 12.6584% | 6,118 |
Memoranda: | ||
Average total assets | $139,247,000 | 3,966 |
Average earning assets | $119,980,000 | 4,123 |
Average equity | $7,697,330 | 5,515 |
Average total loans | $62,529,670 | 4,584 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2285% | 3,190 |
Cost of funding earning assets | 0.6987% | 2,219 |
Net interest margin | 3.5298% | 3,575 |
Noninterest income to average assets | 0.5127% | 3,692 |
Noninterest expense to average assets | 3.6658% | 1,303 |
Loan and lease loss provision to assets | 0.5127% | 521 |
Net operating income to assets | -0.6295% | 6,721 |
Return on assets (ROA) | -0.6295% | 6,737 |
Pretax return on assets | -0.6295% | 6,711 |
Return on Equity (ROE) | -10.6583% | 6,817 |
Retained earnings to average equity (ytd only) | -10.6583% | 6,640 |
Net charge-offs to loans | -0.0126% | 5,523 |
Credit loss provision to net charge-offs | -9,000.0000% | 5,929 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.2905% | 449 |
Assets per employee ($millions) | 3.0684% | 5,876 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2957% | 496 |
Loan loss allowance to noncurrent loans | 101.7884% | 3,308 |
Noncurrent assets plus other real estate owned to assets | 6.1419% | 515 |
Noncurrent loans to loans | 3.2378% | 1,508 |
Net loans and leases to total assets | 42.5959% | 5,799 |
Net loans and leases to deposits | 48.3665% | 5,897 |
Net loans and leases to core deposits | 48.8936% | 6,043 |
Total domestic deposits to total assets | 88.0690% | 2,265 |
Equity capital to assets | 5.6849% | 6,848 |
Core capital (leverage) ratio | 5.8222% | 6,821 |
Tier 1 risk-based capital ratio | 10.7750% | 6,497 |
Total risk-based capital ratio | 12.0423% | 6,460 |
Memoranda: | ||
Average total assets | $140,431,500 | 3,977 |
Average earning assets | $120,798,500 | 4,136 |
Average equity | $8,294,000 | 5,413 |
Average total loans | $63,496,500 | 4,582 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6748% | 2,687 |
Cost of funding earning assets | 0.9328% | 1,746 |
Net interest margin | 3.7420% | 3,474 |
Noninterest income to average assets | 0.3446% | 5,002 |
Noninterest expense to average assets | 3.7993% | 1,256 |
Loan and lease loss provision to assets | -0.4863% | 7,041 |
Net operating income to assets | 0.2167% | 5,743 |
Return on assets (ROA) | 0.7600% | 3,706 |
Pretax return on assets | 0.7600% | 4,448 |
Return on Equity (ROE) | 12.9879% | 1,224 |
Retained earnings to average equity (ytd only) | 12.9879% | 253 |
Net charge-offs to loans | -0.6337% | 7,016 |
Credit loss provision to net charge-offs | 152.1739% | 1,786 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 107.6363% | 380 |
Assets per employee ($millions) | 2.9108% | 6,144 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8802% | 748 |
Loan loss allowance to noncurrent loans | 99.8396% | 3,331 |
Noncurrent assets plus other real estate owned to assets | 6.8853% | 453 |
Noncurrent loans to loans | 2.8848% | 1,813 |
Net loans and leases to total assets | 45.0586% | 5,719 |
Net loans and leases to deposits | 51.4569% | 5,853 |
Net loans and leases to core deposits | 51.9122% | 6,020 |
Total domestic deposits to total assets | 87.5657% | 2,500 |
Equity capital to assets | 6.1295% | 6,881 |
Core capital (leverage) ratio | 6.2173% | 6,829 |
Tier 1 risk-based capital ratio | 10.8725% | 6,400 |
Total risk-based capital ratio | 12.1365% | 6,365 |
Memoranda: | ||
Average total assets | $143,946,400 | 3,881 |
Average earning assets | $122,528,400 | 4,056 |
Average equity | $8,423,200 | 5,384 |
Average total loans | $72,590,000 | 4,250 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7415% | 2,616 |
Cost of funding earning assets | 0.9892% | 1,629 |
Net interest margin | 3.7523% | 3,536 |
Noninterest income to average assets | 0.4175% | 4,499 |
Noninterest expense to average assets | 3.7580% | 1,278 |
Loan and lease loss provision to assets | -1.1043% | 7,170 |
Net operating income to assets | 0.9554% | 2,722 |
Return on assets (ROA) | 1.6744% | 810 |
Pretax return on assets | 1.6744% | 1,348 |
Return on Equity (ROE) | 28.9454% | 85 |
Retained earnings to average equity (ytd only) | 28.9454% | 34 |
Net charge-offs to loans | -1.7155% | 7,131 |
Credit loss provision to net charge-offs | 125.2346% | 2,301 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 104.1274% | 418 |
Assets per employee ($millions) | 2.9186% | 6,184 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7313% | 952 |
Loan loss allowance to noncurrent loans | 64.8921% | 4,436 |
Noncurrent assets plus other real estate owned to assets | 7.8733% | 401 |
Noncurrent loans to loans | 4.2090% | 1,178 |
Net loans and leases to total assets | 47.4099% | 5,622 |
Net loans and leases to deposits | 55.1251% | 5,710 |
Net loans and leases to core deposits | 55.6153% | 5,924 |
Total domestic deposits to total assets | 86.0043% | 3,258 |
Equity capital to assets | 6.4828% | 6,942 |
Core capital (leverage) ratio | 6.5714% | 6,873 |
Tier 1 risk-based capital ratio | 11.4233% | 6,273 |
Total risk-based capital ratio | 12.6861% | 6,234 |
Memoranda: | ||
Average total assets | $145,003,500 | 3,900 |
Average earning assets | $123,333,000 | 4,073 |
Average equity | $8,388,000 | 5,444 |
Average total loans | $74,532,000 | 4,241 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7392% | 2,761 |
Cost of funding earning assets | 1.0087% | 1,720 |
Net interest margin | 3.7305% | 3,682 |
Noninterest income to average assets | 0.5251% | 3,751 |
Noninterest expense to average assets | 3.6825% | 1,409 |
Loan and lease loss provision to assets | -1.7771% | 7,238 |
Net operating income to assets | 1.7976% | 566 |
Return on assets (ROA) | 2.6923% | 146 |
Pretax return on assets | 2.6923% | 225 |
Return on Equity (ROE) | 48.4021% | 21 |
Retained earnings to average equity (ytd only) | 48.4021% | 13 |
Net charge-offs to loans | -2.6731% | 7,194 |
Credit loss provision to net charge-offs | 127.2461% | 2,162 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.4475% | 583 |
Assets per employee ($millions) | 2.9041% | 6,223 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5967% | 1,158 |
Loan loss allowance to noncurrent loans | 61.3629% | 4,580 |
Noncurrent assets plus other real estate owned to assets | 8.6277% | 368 |
Noncurrent loans to loans | 4.2318% | 1,279 |
Net loans and leases to total assets | 47.2212% | 5,692 |
Net loans and leases to deposits | 54.3893% | 5,827 |
Net loans and leases to core deposits | 55.1602% | 6,011 |
Total domestic deposits to total assets | 86.8208% | 2,881 |
Equity capital to assets | 5.9571% | 7,031 |
Core capital (leverage) ratio | 6.4520% | 6,941 |
Tier 1 risk-based capital ratio | 11.0353% | 6,480 |
Total risk-based capital ratio | 12.2959% | 6,443 |
Memoranda: | ||
Average total assets | $146,640,330 | 3,890 |
Average earning assets | $124,916,330 | 4,052 |
Average equity | $8,156,670 | 5,524 |
Average total loans | $76,615,000 | 4,199 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8043% | 2,621 |
Cost of funding earning assets | 1.0302% | 1,808 |
Net interest margin | 3.7741% | 3,498 |
Noninterest income to average assets | 0.4642% | 4,191 |
Noninterest expense to average assets | 3.6401% | 1,479 |
Loan and lease loss provision to assets | -4.2156% | 7,307 |
Net operating income to assets | 4.2617% | 56 |
Return on assets (ROA) | 5.5484% | 44 |
Pretax return on assets | 5.5484% | 54 |
Return on Equity (ROE) | 103.3628% | 8 |
Retained earnings to average equity (ytd only) | 103.3628% | 6 |
Net charge-offs to loans | -7.4657% | 7,262 |
Credit loss provision to net charge-offs | 104.3683% | 2,212 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.7482% | 601 |
Assets per employee ($millions) | 2.9835% | 6,186 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6857% | 1,129 |
Loan loss allowance to noncurrent loans | 61.6174% | 4,442 |
Noncurrent assets plus other real estate owned to assets | 8.3968% | 444 |
Noncurrent loans to loans | 4.3586% | 1,364 |
Net loans and leases to total assets | 49.6001% | 5,366 |
Net loans and leases to deposits | 57.0109% | 5,483 |
Net loans and leases to core deposits | 58.0490% | 5,711 |
Total domestic deposits to total assets | 87.0012% | 2,957 |
Equity capital to assets | 5.9990% | 7,076 |
Core capital (leverage) ratio | 6.5146% | 6,967 |
Tier 1 risk-based capital ratio | 11.4783% | 6,296 |
Total risk-based capital ratio | 12.7428% | 6,267 |
Memoranda: | ||
Average total assets | $147,357,500 | 3,919 |
Average earning assets | $125,804,000 | 4,066 |
Average equity | $7,910,000 | 5,625 |
Average total loans | $79,724,500 | 4,131 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1713% | 2,178 |
Cost of funding earning assets | 1.4152% | 970 |
Net interest margin | 3.7560% | 4,047 |
Noninterest income to average assets | 0.1431% | 6,434 |
Noninterest expense to average assets | 3.1509% | 3,025 |
Loan and lease loss provision to assets | 1.4154% | 546 |
Net operating income to assets | -1.1731% | 6,809 |
Return on assets (ROA) | -1.1888% | 6,842 |
Pretax return on assets | -1.1888% | 6,809 |
Return on Equity (ROE) | -26.4533% | 7,062 |
Retained earnings to average equity (ytd only) | -26.4533% | 7,052 |
Net charge-offs to loans | 2.8291% | 370 |
Credit loss provision to net charge-offs | 83.5185% | 4,301 |
Earnings coverage of net charge-offs (x) | 0.1430% | 5,728 |
Efficiency ratio | 92.8598% | 992 |
Assets per employee ($millions) | 2.7988% | 6,461 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5259% | 1,282 |
Loan loss allowance to noncurrent loans | 44.6398% | 5,331 |
Noncurrent assets plus other real estate owned to assets | 8.7055% | 424 |
Noncurrent loans to loans | 5.6584% | 923 |
Net loans and leases to total assets | 55.8671% | 4,730 |
Net loans and leases to deposits | 63.4671% | 5,068 |
Net loans and leases to core deposits | 64.5591% | 5,408 |
Total domestic deposits to total assets | 88.0253% | 2,137 |
Equity capital to assets | 4.7210% | 7,182 |
Core capital (leverage) ratio | 5.1442% | 7,130 |
Tier 1 risk-based capital ratio | 8.3106% | 7,091 |
Total risk-based capital ratio | 9.5738% | 7,091 |
Memoranda: | ||
Average total assets | $159,320,400 | 3,640 |
Average earning assets | $137,858,200 | 3,789 |
Average equity | $7,159,800 | 5,820 |
Average total loans | $95,435,800 | 3,735 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2133% | 2,157 |
Cost of funding earning assets | 1.5146% | 817 |
Net interest margin | 3.6987% | 4,341 |
Noninterest income to average assets | 0.3621% | 4,973 |
Noninterest expense to average assets | 3.0899% | 3,197 |
Loan and lease loss provision to assets | 1.5195% | 450 |
Net operating income to assets | -1.0387% | 6,901 |
Return on assets (ROA) | -1.0592% | 6,937 |
Pretax return on assets | -1.0592% | 6,894 |
Return on Equity (ROE) | -23.8379% | 7,153 |
Retained earnings to average equity (ytd only) | -23.8379% | 7,142 |
Net charge-offs to loans | 3.1639% | 284 |
Credit loss provision to net charge-offs | 79.4092% | 4,155 |
Earnings coverage of net charge-offs (x) | 0.2513% | 5,408 |
Efficiency ratio | 86.5336% | 1,481 |
Assets per employee ($millions) | 2.8300% | 6,437 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2997% | 1,690 |
Loan loss allowance to noncurrent loans | 39.2309% | 5,661 |
Noncurrent assets plus other real estate owned to assets | 8.5688% | 483 |
Noncurrent loans to loans | 5.8620% | 968 |
Net loans and leases to total assets | 59.7876% | 4,168 |
Net loans and leases to deposits | 68.0669% | 4,591 |
Net loans and leases to core deposits | 69.1372% | 5,047 |
Total domestic deposits to total assets | 87.8365% | 2,144 |
Equity capital to assets | 5.1264% | 7,254 |
Core capital (leverage) ratio | 5.2997% | 7,205 |
Tier 1 risk-based capital ratio | 8.4786% | 7,155 |
Total risk-based capital ratio | 9.7395% | 7,161 |
Memoranda: | ||
Average total assets | $162,765,500 | 3,624 |
Average earning assets | $141,199,000 | 3,742 |
Average equity | $7,232,000 | 5,836 |
Average total loans | $98,440,750 | 3,684 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1916% | 2,292 |
Cost of funding earning assets | 1.5776% | 765 |
Net interest margin | 3.6140% | 4,664 |
Noninterest income to average assets | 0.3584% | 5,021 |
Noninterest expense to average assets | 2.9113% | 3,979 |
Loan and lease loss provision to assets | 1.6253% | 424 |
Net operating income to assets | -1.0359% | 6,950 |
Return on assets (ROA) | -1.0383% | 6,962 |
Pretax return on assets | -1.0383% | 6,907 |
Return on Equity (ROE) | -24.4669% | 7,191 |
Retained earnings to average equity (ytd only) | -24.4669% | 7,181 |
Net charge-offs to loans | 3.1135% | 321 |
Credit loss provision to net charge-offs | 86.6117% | 3,569 |
Earnings coverage of net charge-offs (x) | 0.3141% | 5,077 |
Efficiency ratio | 83.1633% | 1,933 |
Assets per employee ($millions) | 3.0591% | 5,955 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4528% | 1,521 |
Loan loss allowance to noncurrent loans | 64.4904% | 4,205 |
Noncurrent assets plus other real estate owned to assets | 6.9154% | 744 |
Noncurrent loans to loans | 3.8034% | 1,838 |
Net loans and leases to total assets | 57.4231% | 4,740 |
Net loans and leases to deposits | 64.8053% | 5,177 |
Net loans and leases to core deposits | 68.4347% | 5,247 |
Total domestic deposits to total assets | 88.6085% | 1,779 |
Equity capital to assets | 3.9135% | 7,394 |
Core capital (leverage) ratio | 4.4369% | 7,341 |
Tier 1 risk-based capital ratio | 6.8464% | 7,321 |
Total risk-based capital ratio | 8.1037% | 7,326 |
Memoranda: | ||
Average total assets | $167,967,000 | 3,571 |
Average earning assets | $146,042,330 | 3,691 |
Average equity | $7,128,000 | 5,885 |
Average total loans | $101,236,000 | 3,659 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2305% | 2,109 |
Cost of funding earning assets | 1.6530% | 672 |
Net interest margin | 3.5775% | 4,671 |
Noninterest income to average assets | 0.2528% | 5,874 |
Noninterest expense to average assets | 2.7855% | 4,506 |
Loan and lease loss provision to assets | 0.5969% | 1,444 |
Net operating income to assets | -0.0140% | 6,371 |
Return on assets (ROA) | -0.0164% | 6,397 |
Pretax return on assets | -0.0164% | 6,374 |
Return on Equity (ROE) | -0.3724% | 6,419 |
Retained earnings to average equity (ytd only) | -0.3724% | 5,860 |
Net charge-offs to loans | 0.6453% | 1,915 |
Credit loss provision to net charge-offs | 151.7857% | 1,887 |
Earnings coverage of net charge-offs (x) | 1.4821% | 3,599 |
Efficiency ratio | 82.6963% | 2,124 |
Assets per employee ($millions) | 3.2313% | 5,637 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6075% | 1,305 |
Loan loss allowance to noncurrent loans | 62.2112% | 4,298 |
Noncurrent assets plus other real estate owned to assets | 7.0226% | 760 |
Noncurrent loans to loans | 4.1914% | 1,708 |
Net loans and leases to total assets | 58.6610% | 4,520 |
Net loans and leases to deposits | 66.3431% | 4,923 |
Net loans and leases to core deposits | 70.3761% | 4,994 |
Total domestic deposits to total assets | 88.4205% | 2,131 |
Equity capital to assets | 4.4647% | 7,412 |
Core capital (leverage) ratio | 4.7901% | 7,376 |
Tier 1 risk-based capital ratio | 7.3593% | 7,338 |
Total risk-based capital ratio | 8.6228% | 7,339 |
Memoranda: | ||
Average total assets | $170,885,500 | 3,544 |
Average earning assets | $148,819,000 | 3,665 |
Average equity | $7,519,500 | 5,768 |
Average total loans | $104,133,500 | 3,622 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8031% | 1,271 |
Cost of funding earning assets | 1.9829% | 643 |
Net interest margin | 3.8202% | 3,867 |
Noninterest income to average assets | -0.2634% | 7,496 |
Noninterest expense to average assets | 2.8051% | 4,587 |
Loan and lease loss provision to assets | 3.2160% | 270 |
Net operating income to assets | -2.9365% | 7,285 |
Return on assets (ROA) | -3.0458% | 7,322 |
Pretax return on assets | -3.0458% | 7,303 |
Return on Equity (ROE) | -45.8545% | 7,393 |
Retained earnings to average equity (ytd only) | -45.8545% | 7,388 |
Net charge-offs to loans | 4.5334% | 240 |
Credit loss provision to net charge-offs | 107.3676% | 4,139 |
Earnings coverage of net charge-offs (x) | 0.0933% | 6,025 |
Efficiency ratio | 90.9401% | 1,246 |
Assets per employee ($millions) | 3.1589% | 5,757 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3837% | 1,570 |
Loan loss allowance to noncurrent loans | 65.4863% | 4,120 |
Noncurrent assets plus other real estate owned to assets | 6.2121% | 931 |
Noncurrent loans to loans | 3.6400% | 2,049 |
Net loans and leases to total assets | 60.1516% | 4,654 |
Net loans and leases to deposits | 67.8522% | 5,119 |
Net loans and leases to core deposits | 72.6037% | 5,150 |
Total domestic deposits to total assets | 88.6509% | 1,857 |
Equity capital to assets | 4.3381% | 7,490 |
Core capital (leverage) ratio | 4.6065% | 7,451 |
Tier 1 risk-based capital ratio | 6.5679% | 7,455 |
Total risk-based capital ratio | 7.8277% | 7,458 |
Memoranda: | ||
Average total assets | $180,349,200 | 3,367 |
Average earning assets | $158,053,400 | 3,484 |
Average equity | $11,979,200 | 4,614 |
Average total loans | $119,159,600 | 3,324 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9157% | 1,100 |
Cost of funding earning assets | 2.0072% | 737 |
Net interest margin | 3.9085% | 3,496 |
Noninterest income to average assets | 0.5487% | 3,800 |
Noninterest expense to average assets | 2.6402% | 5,151 |
Loan and lease loss provision to assets | 1.3882% | 970 |
Net operating income to assets | -0.0491% | 6,097 |
Return on assets (ROA) | -0.3304% | 6,507 |
Pretax return on assets | -0.3304% | 6,433 |
Return on Equity (ROE) | -4.5938% | 6,621 |
Retained earnings to average equity (ytd only) | -4.5938% | 6,526 |
Net charge-offs to loans | 1.5015% | 1,337 |
Credit loss provision to net charge-offs | 137.7180% | 2,899 |
Earnings coverage of net charge-offs (x) | 1.3285% | 4,749 |
Efficiency ratio | 66.3476% | 4,784 |
Assets per employee ($millions) | 3.0875% | 5,944 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2966% | 1,632 |
Loan loss allowance to noncurrent loans | 35.8888% | 5,940 |
Noncurrent assets plus other real estate owned to assets | 6.8021% | 816 |
Noncurrent loans to loans | 6.3992% | 935 |
Net loans and leases to total assets | 62.4256% | 4,441 |
Net loans and leases to deposits | 72.3432% | 4,786 |
Net loans and leases to core deposits | 77.6405% | 4,845 |
Total domestic deposits to total assets | 86.2909% | 2,925 |
Equity capital to assets | 7.2308% | 7,253 |
Core capital (leverage) ratio | 7.2420% | 7,036 |
Tier 1 risk-based capital ratio | 9.8246% | 7,149 |
Total risk-based capital ratio | 11.0836% | 7,134 |
Memoranda: | ||
Average total assets | $182,001,250 | 3,395 |
Average earning assets | $159,751,500 | 3,500 |
Average equity | $13,089,750 | 4,419 |
Average total loans | $122,184,500 | 3,324 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0805% | 788 |
Cost of funding earning assets | 2.0144% | 877 |
Net interest margin | 4.0661% | 2,715 |
Noninterest income to average assets | 0.5056% | 4,070 |
Noninterest expense to average assets | 2.5535% | 5,515 |
Loan and lease loss provision to assets | 1.5059% | 881 |
Net operating income to assets | 0.0319% | 6,037 |
Return on assets (ROA) | 0.0319% | 6,128 |
Pretax return on assets | 0.0319% | 6,100 |
Return on Equity (ROE) | 0.4440% | 6,101 |
Retained earnings to average equity (ytd only) | 0.4440% | 5,585 |
Net charge-offs to loans | 1.2811% | 1,489 |
Credit loss provision to net charge-offs | 172.3270% | 2,263 |
Earnings coverage of net charge-offs (x) | 1.7597% | 4,200 |
Efficiency ratio | 62.4127% | 5,624 |
Assets per employee ($millions) | 3.0940% | 5,931 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1888% | 1,782 |
Loan loss allowance to noncurrent loans | 42.7609% | 5,468 |
Noncurrent assets plus other real estate owned to assets | 4.8761% | 1,331 |
Noncurrent loans to loans | 5.1186% | 1,341 |
Net loans and leases to total assets | 66.8076% | 3,666 |
Net loans and leases to deposits | 78.0456% | 3,958 |
Net loans and leases to core deposits | 85.0316% | 3,991 |
Total domestic deposits to total assets | 85.6008% | 3,315 |
Equity capital to assets | 7.3029% | 7,223 |
Core capital (leverage) ratio | 7.4640% | 6,854 |
Tier 1 risk-based capital ratio | 10.3837% | 6,776 |
Total risk-based capital ratio | 11.6436% | 6,757 |
Memoranda: | ||
Average total assets | $181,947,000 | 3,416 |
Average earning assets | $160,447,000 | 3,506 |
Average equity | $13,062,330 | 4,422 |
Average total loans | $124,116,000 | 3,317 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0068% | 973 |
Cost of funding earning assets | 2.0424% | 964 |
Net interest margin | 3.9645% | 3,029 |
Noninterest income to average assets | 0.6430% | 2,971 |
Noninterest expense to average assets | 2.5214% | 5,651 |
Loan and lease loss provision to assets | 1.0570% | 1,169 |
Net operating income to assets | 0.5483% | 4,144 |
Return on assets (ROA) | 0.5483% | 4,277 |
Pretax return on assets | 0.5483% | 4,791 |
Return on Equity (ROE) | 7.7042% | 3,023 |
Retained earnings to average equity (ytd only) | 7.7042% | 1,839 |
Net charge-offs to loans | 0.7462% | 2,017 |
Credit loss provision to net charge-offs | 207.7922% | 1,792 |
Earnings coverage of net charge-offs (x) | 3.1558% | 3,001 |
Efficiency ratio | 61.0993% | 5,983 |
Assets per employee ($millions) | 3.1248% | 5,936 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9175% | 2,393 |
Loan loss allowance to noncurrent loans | 49.7619% | 5,008 |
Noncurrent assets plus other real estate owned to assets | 4.8935% | 1,329 |
Noncurrent loans to loans | 3.8533% | 2,058 |
Net loans and leases to total assets | 66.6701% | 3,710 |
Net loans and leases to deposits | 77.7788% | 4,088 |
Net loans and leases to core deposits | 86.1029% | 3,876 |
Total domestic deposits to total assets | 85.7175% | 3,300 |
Equity capital to assets | 7.0127% | 7,363 |
Core capital (leverage) ratio | 7.3918% | 6,942 |
Tier 1 risk-based capital ratio | 10.2093% | 6,878 |
Total risk-based capital ratio | 11.4733% | 6,861 |
Memoranda: | ||
Average total assets | $181,648,000 | 3,473 |
Average earning assets | $159,618,000 | 3,572 |
Average equity | $12,928,000 | 4,493 |
Average total loans | $123,832,500 | 3,385 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5253% | 639 |
Cost of funding earning assets | 2.4257% | 1,226 |
Net interest margin | 4.0996% | 2,450 |
Noninterest income to average assets | 0.3735% | 5,419 |
Noninterest expense to average assets | 2.7924% | 5,005 |
Loan and lease loss provision to assets | 0.7392% | 2,895 |
Net operating income to assets | 0.4452% | 3,949 |
Return on assets (ROA) | 0.0378% | 5,422 |
Pretax return on assets | 0.0378% | 5,351 |
Return on Equity (ROE) | 0.5052% | 5,388 |
Retained earnings to average equity (ytd only) | -12.8676% | 6,746 |
Net charge-offs to loans | 1.0148% | 2,383 |
Credit loss provision to net charge-offs | 107.6052% | 5,148 |
Earnings coverage of net charge-offs (x) | 1.7241% | 4,443 |
Efficiency ratio | 70.2166% | 4,578 |
Assets per employee ($millions) | 2.9333% | 6,379 |
Cash dividends to net income (ytd only)* | 2,647.0588% | 10 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7598% | 2,675 |
Loan loss allowance to noncurrent loans | 59.0348% | 4,450 |
Noncurrent assets plus other real estate owned to assets | 4.0385% | 1,634 |
Noncurrent loans to loans | 2.9809% | 2,578 |
Net loans and leases to total assets | 67.1726% | 3,882 |
Net loans and leases to deposits | 78.6530% | 4,244 |
Net loans and leases to core deposits | 107.8594% | 3,117 |
Total domestic deposits to total assets | 85.4038% | 3,358 |
Equity capital to assets | 7.2246% | 7,245 |
Core capital (leverage) ratio | 7.4632% | 6,823 |
Tier 1 risk-based capital ratio | 10.2630% | 6,624 |
Total risk-based capital ratio | 11.5225% | 6,588 |
Memoranda: | ||
Average total assets | $179,915,800 | 3,440 |
Average earning assets | $158,138,600 | 3,553 |
Average equity | $13,460,200 | 4,393 |
Average total loans | $121,800,600 | 3,447 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5631% | 656 |
Cost of funding earning assets | 2.5058% | 1,277 |
Net interest margin | 4.0573% | 2,561 |
Noninterest income to average assets | 0.5062% | 4,436 |
Noninterest expense to average assets | 2.8699% | 4,569 |
Loan and lease loss provision to assets | 0.4662% | 3,572 |
Net operating income to assets | 0.7408% | 3,058 |
Return on assets (ROA) | 0.7408% | 3,119 |
Pretax return on assets | 0.7408% | 3,727 |
Return on Equity (ROE) | 9.8181% | 1,992 |
Retained earnings to average equity (ytd only) | -3.4231% | 6,013 |
Net charge-offs to loans | 0.7814% | 2,412 |
Credit loss provision to net charge-offs | 88.3590% | 5,527 |
Earnings coverage of net charge-offs (x) | 2.2875% | 4,109 |
Efficiency ratio | 70.3939% | 4,511 |
Assets per employee ($millions) | 2.8235% | 6,599 |
Cash dividends to net income (ytd only)* | 134.8658% | 334 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6004% | 2,985 |
Loan loss allowance to noncurrent loans | 45.8256% | 5,258 |
Noncurrent assets plus other real estate owned to assets | 4.6239% | 1,303 |
Noncurrent loans to loans | 3.4925% | 2,141 |
Net loans and leases to total assets | 70.5373% | 3,379 |
Net loans and leases to deposits | 83.8544% | 3,674 |
Net loans and leases to core deposits | 115.9366% | 2,628 |
Total domestic deposits to total assets | 84.1188% | 3,667 |
Equity capital to assets | 7.5531% | 7,259 |
Core capital (leverage) ratio | 8.2387% | 5,947 |
Tier 1 risk-based capital ratio | 11.3392% | 5,603 |
Total risk-based capital ratio | 12.5930% | 5,536 |
Memoranda: | ||
Average total assets | $180,162,250 | 3,465 |
Average earning assets | $158,558,750 | 3,568 |
Average equity | $13,593,500 | 4,393 |
Average total loans | $121,664,500 | 3,481 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4119% | 982 |
Cost of funding earning assets | 2.5421% | 1,472 |
Net interest margin | 3.8698% | 3,251 |
Noninterest income to average assets | 0.6619% | 3,251 |
Noninterest expense to average assets | 2.8008% | 4,957 |
Loan and lease loss provision to assets | 0.2462% | 4,613 |
Net operating income to assets | 1.0208% | 2,033 |
Return on assets (ROA) | 1.0208% | 2,122 |
Pretax return on assets | 1.0208% | 2,926 |
Return on Equity (ROE) | 13.5332% | 1,062 |
Retained earnings to average equity (ytd only) | 0.4787% | 5,019 |
Net charge-offs to loans | 0.7269% | 2,235 |
Credit loss provision to net charge-offs | 51.1364% | 5,749 |
Earnings coverage of net charge-offs (x) | 2.6318% | 3,758 |
Efficiency ratio | 68.8542% | 5,003 |
Assets per employee ($millions) | 2.9307% | 6,313 |
Cash dividends to net income (ytd only)* | 96.4630% | 766 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5088% | 3,137 |
Loan loss allowance to noncurrent loans | 47.5380% | 5,189 |
Noncurrent assets plus other real estate owned to assets | 5.0187% | 1,053 |
Noncurrent loans to loans | 3.1739% | 2,250 |
Net loans and leases to total assets | 67.3331% | 4,288 |
Net loans and leases to deposits | 79.4037% | 4,640 |
Net loans and leases to core deposits | 113.5596% | 2,967 |
Total domestic deposits to total assets | 84.7984% | 3,355 |
Equity capital to assets | 7.3038% | 7,410 |
Core capital (leverage) ratio | 8.2050% | 5,972 |
Tier 1 risk-based capital ratio | 11.6968% | 5,199 |
Total risk-based capital ratio | 12.9497% | 5,129 |
Memoranda: | ||
Average total assets | $182,804,670 | 3,445 |
Average earning assets | $160,888,330 | 3,545 |
Average equity | $13,788,330 | 4,357 |
Average total loans | $121,064,000 | 3,516 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3377% | 1,195 |
Cost of funding earning assets | 2.5949% | 1,584 |
Net interest margin | 3.7428% | 3,689 |
Noninterest income to average assets | 0.6861% | 2,968 |
Noninterest expense to average assets | 2.6469% | 5,230 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.3418% | 1,282 |
Return on assets (ROA) | 1.3418% | 1,375 |
Pretax return on assets | 1.3418% | 2,143 |
Return on Equity (ROE) | 17.5215% | 634 |
Retained earnings to average equity (ytd only) | 4.8043% | 3,234 |
Net charge-offs to loans | 0.5710% | 2,038 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | 3.6047% | 3,123 |
Efficiency ratio | 66.3592% | 5,256 |
Assets per employee ($millions) | 3.0857% | 5,927 |
Cash dividends to net income (ytd only)* | 72.5806% | 1,220 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5808% | 2,595 |
Loan loss allowance to noncurrent loans | 74.3499% | 3,902 |
Noncurrent assets plus other real estate owned to assets | 4.2438% | 1,174 |
Noncurrent loans to loans | 2.1262% | 3,082 |
Net loans and leases to total assets | 63.4560% | 5,083 |
Net loans and leases to deposits | 74.3705% | 5,438 |
Net loans and leases to core deposits | 110.1699% | 3,409 |
Total domestic deposits to total assets | 85.3242% | 3,046 |
Equity capital to assets | 7.7265% | 7,152 |
Core capital (leverage) ratio | 8.2137% | 6,072 |
Tier 1 risk-based capital ratio | 11.3845% | 5,520 |
Total risk-based capital ratio | 12.6370% | 5,417 |
Memoranda: | ||
Average total assets | $184,821,500 | 3,434 |
Average earning assets | $163,087,000 | 3,526 |
Average equity | $14,154,000 | 4,302 |
Average total loans | $120,488,000 | 3,546 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.5993% | 340 |
Cost of funding earning assets | 3.0604% | 1,639 |
Net interest margin | 4.5389% | 1,336 |
Noninterest income to average assets | 0.6507% | 3,472 |
Noninterest expense to average assets | 2.5230% | 5,921 |
Loan and lease loss provision to assets | 0.7199% | 2,054 |
Net operating income to assets | 1.5146% | 989 |
Return on assets (ROA) | 1.5321% | 927 |
Pretax return on assets | 1.5321% | 1,589 |
Return on Equity (ROE) | 18.5259% | 488 |
Retained earnings to average equity (ytd only) | 2.7621% | 3,463 |
Net charge-offs to loans | 0.8073% | 1,546 |
Credit loss provision to net charge-offs | 129.4597% | 4,114 |
Earnings coverage of net charge-offs (x) | 4.0183% | 4,143 |
Efficiency ratio | 53.0323% | 7,378 |
Assets per employee ($millions) | 3.2947% | 5,224 |
Cash dividends to net income (ytd only)* | 85.0906% | 1,488 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6932% | 1,931 |
Loan loss allowance to noncurrent loans | 86.8776% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 3.2764% | 1,379 |
Noncurrent loans to loans | 1.9489% | 2,831 |
Net loans and leases to total assets | 64.7944% | 5,105 |
Net loans and leases to deposits | 76.1300% | 5,579 |
Net loans and leases to core deposits | 114.1489% | 3,325 |
Total domestic deposits to total assets | 85.1102% | 2,793 |
Equity capital to assets | 7.5896% | 7,310 |
Core capital (leverage) ratio | 8.1184% | 6,300 |
Tier 1 risk-based capital ratio | 11.3188% | 5,420 |
Total risk-based capital ratio | 12.5730% | 5,316 |
Memoranda: | ||
Average total assets | $176,419,200 | 3,454 |
Average earning assets | $159,619,800 | 3,478 |
Average equity | $14,590,400 | 4,223 |
Average total loans | $121,519,000 | 3,431 |