Home > Hiawatha National Bank > Performance and Condition Ratios
Hiawatha National Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1535% | 988 |
Cost of funding earning assets | 3.0634% | 280 |
Net interest margin | 3.0901% | 3,226 |
Noninterest income to average assets | 0.1700% | 3,735 |
Noninterest expense to average assets | 1.7984% | 3,916 |
Loan and lease loss provision to assets | 0.2600% | 429 |
Net operating income to assets | 0.8224% | 2,788 |
Return on assets (ROA) | 0.8037% | 2,839 |
Pretax return on assets | 1.0175% | 2,704 |
Return on Equity (ROE) | 8.3300% | 2,781 |
Retained earnings to average equity (ytd only) | 8.3270% | 1,605 |
Net charge-offs to loans | 0.3267% | 374 |
Credit loss provision to net charge-offs | 112.8668% | 1,194 |
Earnings coverage of net charge-offs (x) | 5.6907% | 1,887 |
Efficiency ratio | 57.7678% | 3,201 |
Assets per employee ($millions) | 10.7936% | 624 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9124% | 3,578 |
Loan loss allowance to noncurrent loans | 37.0939% | 3,619 |
Noncurrent assets plus other real estate owned to assets | 1.7530% | 303 |
Noncurrent loans to loans | 2.4597% | 317 |
Net loans and leases to total assets | 69.8900% | 1,849 |
Net loans and leases to deposits | 90.8296% | 1,030 |
Net loans and leases to core deposits | 153.9314% | 139 |
Total domestic deposits to total assets | 76.9400% | 3,910 |
Equity capital to assets | 9.7819% | 2,367 |
Core capital (leverage) ratio | 9.5908% | 3,185 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4121% | 1,715 |
Memoranda: | ||
Average total assets | $776,450,000 | 1,271 |
Average earning assets | $735,391,500 | 1,244 |
Average equity | $74,937,000 | 1,294 |
Average total loans | $542,391,500 | 1,242 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4762% | 734 |
Cost of funding earning assets | 3.1842% | 349 |
Net interest margin | 3.2920% | 2,525 |
Noninterest income to average assets | 0.2800% | 3,178 |
Noninterest expense to average assets | 1.8590% | 3,863 |
Loan and lease loss provision to assets | 0.3400% | 350 |
Net operating income to assets | 0.9395% | 2,254 |
Return on assets (ROA) | 0.9938% | 2,069 |
Pretax return on assets | 1.2588% | 1,846 |
Return on Equity (ROE) | 10.7300% | 1,975 |
Retained earnings to average equity (ytd only) | 10.7322% | 476 |
Net charge-offs to loans | 0.4580% | 322 |
Credit loss provision to net charge-offs | 102.2920% | 1,862 |
Earnings coverage of net charge-offs (x) | 4.9181% | 2,621 |
Efficiency ratio | 54.5032% | 3,684 |
Assets per employee ($millions) | 11.9348% | 435 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8905% | 3,655 |
Loan loss allowance to noncurrent loans | 50.8512% | 3,489 |
Noncurrent assets plus other real estate owned to assets | 1.2296% | 512 |
Noncurrent loans to loans | 1.7512% | 494 |
Net loans and leases to total assets | 68.5600% | 2,069 |
Net loans and leases to deposits | 88.8330% | 1,315 |
Net loans and leases to core deposits | 149.2403% | 176 |
Total domestic deposits to total assets | 77.1800% | 3,860 |
Equity capital to assets | 9.5203% | 2,436 |
Core capital (leverage) ratio | 9.4896% | 3,238 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1885% | 1,799 |
Memoranda: | ||
Average total assets | $755,191,000 | 1,278 |
Average earning assets | $713,548,200 | 1,254 |
Average equity | $69,930,000 | 1,320 |
Average total loans | $514,383,800 | 1,267 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4394% | 742 |
Cost of funding earning assets | 3.1876% | 362 |
Net interest margin | 3.2518% | 2,561 |
Noninterest income to average assets | 0.2600% | 3,292 |
Noninterest expense to average assets | 1.8514% | 3,845 |
Loan and lease loss provision to assets | 0.2000% | 591 |
Net operating income to assets | 1.0098% | 2,016 |
Return on assets (ROA) | 1.0817% | 1,823 |
Pretax return on assets | 1.3700% | 1,593 |
Return on Equity (ROE) | 11.7700% | 1,680 |
Retained earnings to average equity (ytd only) | 11.7669% | 540 |
Net charge-offs to loans | 0.3566% | 364 |
Credit loss provision to net charge-offs | 80.8229% | 1,838 |
Earnings coverage of net charge-offs (x) | 6.0948% | 2,325 |
Efficiency ratio | 55.3768% | 3,607 |
Assets per employee ($millions) | 11.6680% | 463 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8534% | 3,795 |
Loan loss allowance to noncurrent loans | 78.1513% | 3,248 |
Noncurrent assets plus other real estate owned to assets | 0.7600% | 931 |
Noncurrent loans to loans | 1.0920% | 911 |
Net loans and leases to total assets | 67.3500% | 2,164 |
Net loans and leases to deposits | 89.4134% | 1,303 |
Net loans and leases to core deposits | 148.2011% | 184 |
Total domestic deposits to total assets | 75.3200% | 3,976 |
Equity capital to assets | 9.4989% | 2,674 |
Core capital (leverage) ratio | 9.2476% | 3,521 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2045% | 1,829 |
Memoranda: | ||
Average total assets | $750,048,500 | 1,279 |
Average earning assets | $708,180,750 | 1,257 |
Average equity | $68,948,750 | 1,326 |
Average total loans | $508,815,250 | 1,272 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3511% | 766 |
Cost of funding earning assets | 3.0976% | 399 |
Net interest margin | 3.2534% | 2,529 |
Noninterest income to average assets | 0.2100% | 3,620 |
Noninterest expense to average assets | 1.7596% | 3,998 |
Loan and lease loss provision to assets | 0.0700% | 1,571 |
Net operating income to assets | 1.1494% | 1,600 |
Return on assets (ROA) | 1.1496% | 1,597 |
Pretax return on assets | 1.4561% | 1,358 |
Return on Equity (ROE) | 12.6500% | 1,458 |
Retained earnings to average equity (ytd only) | 12.6517% | 477 |
Net charge-offs to loans | 0.3059% | 367 |
Credit loss provision to net charge-offs | 32.4254% | 1,902 |
Earnings coverage of net charge-offs (x) | 7.3424% | 2,109 |
Efficiency ratio | 53.3071% | 3,802 |
Assets per employee ($millions) | 11.2217% | 507 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8205% | 3,888 |
Loan loss allowance to noncurrent loans | 87.6929% | 3,195 |
Noncurrent assets plus other real estate owned to assets | 0.6564% | 1,029 |
Noncurrent loans to loans | 0.9356% | 1,006 |
Net loans and leases to total assets | 67.5900% | 2,169 |
Net loans and leases to deposits | 89.9059% | 1,311 |
Net loans and leases to core deposits | 149.3362% | 183 |
Total domestic deposits to total assets | 75.1800% | 3,964 |
Equity capital to assets | 9.3058% | 2,529 |
Core capital (leverage) ratio | 9.2404% | 3,494 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8686% | 1,944 |
Memoranda: | ||
Average total assets | $743,368,000 | 1,280 |
Average earning assets | $702,149,333 | 1,261 |
Average equity | $67,548,333 | 1,340 |
Average total loans | $504,059,667 | 1,278 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3569% | 686 |
Cost of funding earning assets | 3.0518% | 391 |
Net interest margin | 3.3051% | 2,329 |
Noninterest income to average assets | 0.2600% | 3,210 |
Noninterest expense to average assets | 1.7810% | 3,981 |
Loan and lease loss provision to assets | 0.0500% | 1,722 |
Net operating income to assets | 1.2227% | 1,388 |
Return on assets (ROA) | 1.2252% | 1,387 |
Pretax return on assets | 1.5510% | 1,176 |
Return on Equity (ROE) | 13.6500% | 1,206 |
Retained earnings to average equity (ytd only) | 13.6510% | 538 |
Net charge-offs to loans | 0.6169% | 156 |
Credit loss provision to net charge-offs | 12.9702% | 1,539 |
Earnings coverage of net charge-offs (x) | 3.8392% | 1,922 |
Efficiency ratio | 52.3596% | 3,874 |
Assets per employee ($millions) | 11.1983% | 525 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8081% | 3,921 |
Loan loss allowance to noncurrent loans | 87.7869% | 3,264 |
Noncurrent assets plus other real estate owned to assets | 0.6155% | 1,044 |
Noncurrent loans to loans | 0.9205% | 945 |
Net loans and leases to total assets | 66.3200% | 2,203 |
Net loans and leases to deposits | 87.8771% | 1,369 |
Net loans and leases to core deposits | 142.0376% | 254 |
Total domestic deposits to total assets | 75.4700% | 4,024 |
Equity capital to assets | 9.0053% | 2,677 |
Core capital (leverage) ratio | 9.0243% | 3,688 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0090% | 1,874 |
Memoranda: | ||
Average total assets | $739,123,500 | 1,284 |
Average earning assets | $697,948,500 | 1,267 |
Average equity | $66,339,500 | 1,345 |
Average total loans | $499,890,500 | 1,288 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7478% | 881 |
Cost of funding earning assets | 2.4753% | 385 |
Net interest margin | 3.2726% | 2,697 |
Noninterest income to average assets | 0.3100% | 3,052 |
Noninterest expense to average assets | 1.9403% | 3,755 |
Loan and lease loss provision to assets | 0.0800% | 1,564 |
Net operating income to assets | 1.0614% | 2,036 |
Return on assets (ROA) | 1.0384% | 2,077 |
Pretax return on assets | 1.3230% | 1,814 |
Return on Equity (ROE) | 11.4600% | 2,106 |
Retained earnings to average equity (ytd only) | 11.4617% | 708 |
Net charge-offs to loans | 0.0784% | 1,082 |
Credit loss provision to net charge-offs | 140.9214% | 1,518 |
Earnings coverage of net charge-offs (x) | 25.9377% | 1,718 |
Efficiency ratio | 57.2543% | 3,371 |
Assets per employee ($millions) | 10.8651% | 549 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9486% | 3,544 |
Loan loss allowance to noncurrent loans | 95.2237% | 3,258 |
Noncurrent assets plus other real estate owned to assets | 0.6816% | 774 |
Noncurrent loans to loans | 0.9962% | 744 |
Net loans and leases to total assets | 67.7800% | 2,064 |
Net loans and leases to deposits | 90.1931% | 1,244 |
Net loans and leases to core deposits | 141.9661% | 256 |
Total domestic deposits to total assets | 75.1500% | 4,019 |
Equity capital to assets | 8.9447% | 2,710 |
Core capital (leverage) ratio | 9.1268% | 3,607 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6688% | 1,997 |
Memoranda: | ||
Average total assets | $669,395,800 | 1,352 |
Average earning assets | $626,845,200 | 1,331 |
Average equity | $60,645,200 | 1,387 |
Average total loans | $470,842,000 | 1,296 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5769% | 929 |
Cost of funding earning assets | 2.3357% | 373 |
Net interest margin | 3.2413% | 2,819 |
Noninterest income to average assets | 0.2500% | 3,449 |
Noninterest expense to average assets | 1.9309% | 3,754 |
Loan and lease loss provision to assets | 0.0200% | 2,562 |
Net operating income to assets | 0.9755% | 2,433 |
Return on assets (ROA) | 0.9422% | 2,528 |
Pretax return on assets | 1.2807% | 2,096 |
Return on Equity (ROE) | 10.3600% | 2,542 |
Retained earnings to average equity (ytd only) | 10.3635% | 1,306 |
Net charge-offs to loans | 0.0017% | 2,524 |
Credit loss provision to net charge-offs | 2,000.0000% | 235 |
Earnings coverage of net charge-offs (x) | 1,102.6667% | 140 |
Efficiency ratio | 58.5663% | 3,139 |
Assets per employee ($millions) | 10.9633% | 505 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9728% | 3,489 |
Loan loss allowance to noncurrent loans | 105.2549% | 3,166 |
Noncurrent assets plus other real estate owned to assets | 0.6947% | 821 |
Noncurrent loans to loans | 0.9242% | 889 |
Net loans and leases to total assets | 69.0800% | 1,939 |
Net loans and leases to deposits | 93.0552% | 963 |
Net loans and leases to core deposits | 143.2589% | 190 |
Total domestic deposits to total assets | 74.2400% | 4,142 |
Equity capital to assets | 8.8941% | 2,480 |
Core capital (leverage) ratio | 9.1441% | 3,641 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.6139% | 2,706 |
Memoranda: | ||
Average total assets | $654,753,750 | 1,369 |
Average earning assets | $612,175,250 | 1,354 |
Average equity | $59,528,000 | 1,393 |
Average total loans | $464,024,000 | 1,303 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3563% | 1,005 |
Cost of funding earning assets | 2.1270% | 395 |
Net interest margin | 3.2293% | 2,918 |
Noninterest income to average assets | 0.2800% | 3,229 |
Noninterest expense to average assets | 1.9518% | 3,709 |
Loan and lease loss provision to assets | 0.0400% | 2,074 |
Net operating income to assets | 0.9520% | 2,577 |
Return on assets (ROA) | 0.9002% | 2,741 |
Pretax return on assets | 1.2396% | 2,255 |
Return on Equity (ROE) | 9.8200% | 2,762 |
Retained earnings to average equity (ytd only) | 9.8244% | 1,458 |
Net charge-offs to loans | 0.0013% | 2,357 |
Credit loss provision to net charge-offs | 4,000.0000% | 133 |
Earnings coverage of net charge-offs (x) | 1,438.3333% | 99 |
Efficiency ratio | 58.9063% | 3,085 |
Assets per employee ($millions) | 10.2605% | 626 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0005% | 3,416 |
Loan loss allowance to noncurrent loans | 106.4216% | 3,212 |
Noncurrent assets plus other real estate owned to assets | 0.6711% | 787 |
Noncurrent loans to loans | 0.9401% | 811 |
Net loans and leases to total assets | 70.6700% | 1,669 |
Net loans and leases to deposits | 98.0992% | 596 |
Net loans and leases to core deposits | 137.1178% | 243 |
Total domestic deposits to total assets | 72.0400% | 4,291 |
Equity capital to assets | 9.2661% | 2,337 |
Core capital (leverage) ratio | 9.4179% | 3,345 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.9404% | 2,645 |
Memoranda: | ||
Average total assets | $642,776,667 | 1,388 |
Average earning assets | $600,940,333 | 1,377 |
Average equity | $58,894,000 | 1,409 |
Average total loans | $458,090,333 | 1,309 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1747% | 986 |
Cost of funding earning assets | 1.9248% | 344 |
Net interest margin | 3.2499% | 2,993 |
Noninterest income to average assets | 0.2100% | 3,716 |
Noninterest expense to average assets | 2.0056% | 3,617 |
Loan and lease loss provision to assets | 0.0800% | 1,320 |
Net operating income to assets | 0.8580% | 2,996 |
Return on assets (ROA) | 0.7700% | 3,248 |
Pretax return on assets | 1.0607% | 2,828 |
Return on Equity (ROE) | 8.4500% | 3,187 |
Retained earnings to average equity (ytd only) | 8.4535% | 2,092 |
Net charge-offs to loans | 0.0009% | 2,029 |
Credit loss provision to net charge-offs | 12,000.0000% | 37 |
Earnings coverage of net charge-offs (x) | 1,983.0000% | 44 |
Efficiency ratio | 61.3034% | 2,776 |
Assets per employee ($millions) | 9.9528% | 711 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0213% | 3,427 |
Loan loss allowance to noncurrent loans | 112.4072% | 3,257 |
Noncurrent assets plus other real estate owned to assets | 0.6554% | 760 |
Noncurrent loans to loans | 0.9086% | 833 |
Net loans and leases to total assets | 71.4000% | 1,488 |
Net loans and leases to deposits | 97.6662% | 553 |
Net loans and leases to core deposits | 128.4727% | 294 |
Total domestic deposits to total assets | 73.1100% | 4,315 |
Equity capital to assets | 9.2333% | 2,334 |
Core capital (leverage) ratio | 9.3805% | 3,312 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.8984% | 2,757 |
Memoranda: | ||
Average total assets | $635,830,000 | 1,420 |
Average earning assets | $595,593,500 | 1,410 |
Average equity | $57,917,000 | 1,437 |
Average total loans | $452,751,500 | 1,333 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4086% | 867 |
Cost of funding earning assets | 0.9706% | 186 |
Net interest margin | 3.4379% | 2,137 |
Noninterest income to average assets | 0.4000% | 2,691 |
Noninterest expense to average assets | 2.0601% | 3,416 |
Loan and lease loss provision to assets | 0.1700% | 670 |
Net operating income to assets | 1.0112% | 2,524 |
Return on assets (ROA) | 1.0112% | 2,475 |
Pretax return on assets | 1.3719% | 1,859 |
Return on Equity (ROE) | 10.4800% | 2,649 |
Retained earnings to average equity (ytd only) | 10.4765% | 1,011 |
Net charge-offs to loans | 0.0038% | 2,321 |
Credit loss provision to net charge-offs | 6,900.0000% | 97 |
Earnings coverage of net charge-offs (x) | 614.4000% | 283 |
Efficiency ratio | 56.8020% | 3,491 |
Assets per employee ($millions) | 10.2368% | 624 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9621% | 3,559 |
Loan loss allowance to noncurrent loans | 88.4742% | 3,401 |
Noncurrent assets plus other real estate owned to assets | 0.7760% | 608 |
Noncurrent loans to loans | 1.0875% | 660 |
Net loans and leases to total assets | 69.5900% | 1,672 |
Net loans and leases to deposits | 91.0854% | 974 |
Net loans and leases to core deposits | 117.4985% | 415 |
Total domestic deposits to total assets | 76.4100% | 4,230 |
Equity capital to assets | 8.9840% | 2,368 |
Core capital (leverage) ratio | 9.2342% | 3,415 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.9516% | 2,749 |
Memoranda: | ||
Average total assets | $596,316,800 | 1,494 |
Average earning assets | $556,441,400 | 1,490 |
Average equity | $57,557,200 | 1,447 |
Average total loans | $394,836,600 | 1,412 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1942% | 901 |
Cost of funding earning assets | 0.7681% | 178 |
Net interest margin | 3.4261% | 1,884 |
Noninterest income to average assets | 0.3900% | 2,797 |
Noninterest expense to average assets | 2.0554% | 3,336 |
Loan and lease loss provision to assets | 0.1900% | 485 |
Net operating income to assets | 0.9924% | 2,499 |
Return on assets (ROA) | 0.9924% | 2,474 |
Pretax return on assets | 1.3401% | 1,919 |
Return on Equity (ROE) | 10.0900% | 2,695 |
Retained earnings to average equity (ytd only) | 10.0925% | 1,317 |
Net charge-offs to loans | 0.0049% | 2,001 |
Credit loss provision to net charge-offs | 5,821.4286% | 96 |
Earnings coverage of net charge-offs (x) | 479.4286% | 322 |
Efficiency ratio | 57.0604% | 3,507 |
Assets per employee ($millions) | 9.5126% | 757 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9634% | 3,642 |
Loan loss allowance to noncurrent loans | 99.8039% | 3,374 |
Noncurrent assets plus other real estate owned to assets | 0.6720% | 781 |
Noncurrent loans to loans | 0.9653% | 807 |
Net loans and leases to total assets | 67.7000% | 1,708 |
Net loans and leases to deposits | 86.6303% | 1,131 |
Net loans and leases to core deposits | 108.4129% | 521 |
Total domestic deposits to total assets | 78.1500% | 4,247 |
Equity capital to assets | 8.9668% | 2,235 |
Core capital (leverage) ratio | 9.0989% | 3,506 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0929% | 2,791 |
Memoranda: | ||
Average total assets | $586,725,750 | 1,526 |
Average earning assets | $546,932,750 | 1,518 |
Average equity | $57,691,500 | 1,459 |
Average total loans | $382,046,750 | 1,445 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9796% | 964 |
Cost of funding earning assets | 0.5941% | 284 |
Net interest margin | 3.3855% | 1,649 |
Noninterest income to average assets | 0.4800% | 2,308 |
Noninterest expense to average assets | 2.1153% | 3,109 |
Loan and lease loss provision to assets | 0.2517% | 282 |
Net operating income to assets | 0.9396% | 2,403 |
Return on assets (ROA) | 0.9396% | 2,378 |
Pretax return on assets | 1.2642% | 1,856 |
Return on Equity (ROE) | 9.2641% | 2,611 |
Retained earnings to average equity (ytd only) | 9.2641% | 1,207 |
Net charge-offs to loans | 0.0081% | 1,692 |
Credit loss provision to net charge-offs | 4,833.3333% | 119 |
Earnings coverage of net charge-offs (x) | 291.1333% | 414 |
Efficiency ratio | 57.9103% | 3,574 |
Assets per employee ($millions) | 9.4759% | 759 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9613% | 3,759 |
Loan loss allowance to noncurrent loans | 82.9548% | 3,516 |
Noncurrent assets plus other real estate owned to assets | 0.7793% | 666 |
Noncurrent loans to loans | 1.1589% | 695 |
Net loans and leases to total assets | 65.5769% | 1,747 |
Net loans and leases to deposits | 84.9370% | 1,057 |
Net loans and leases to core deposits | 104.4902% | 490 |
Total domestic deposits to total assets | 77.2065% | 4,401 |
Equity capital to assets | 8.9402% | 2,422 |
Core capital (leverage) ratio | 9.5842% | 2,836 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.8446% | 2,850 |
Memoranda: | ||
Average total assets | $576,193,667 | 1,560 |
Average earning assets | $536,291,667 | 1,564 |
Average equity | $58,440,667 | 1,468 |
Average total loans | $368,502,667 | 1,479 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9194% | 893 |
Cost of funding earning assets | 0.5334% | 413 |
Net interest margin | 3.3860% | 1,329 |
Noninterest income to average assets | 0.2393% | 3,713 |
Noninterest expense to average assets | 2.1458% | 2,996 |
Loan and lease loss provision to assets | 0.3372% | 175 |
Net operating income to assets | 0.6969% | 3,068 |
Return on assets (ROA) | 0.6969% | 3,058 |
Pretax return on assets | 0.9282% | 2,667 |
Return on Equity (ROE) | 6.4384% | 3,206 |
Retained earnings to average equity (ytd only) | 6.4384% | 2,094 |
Net charge-offs to loans | 0.0174% | 1,184 |
Credit loss provision to net charge-offs | 3,100.0000% | 132 |
Earnings coverage of net charge-offs (x) | 116.3333% | 618 |
Efficiency ratio | 62.5213% | 3,203 |
Assets per employee ($millions) | 8.9572% | 936 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0145% | 3,658 |
Loan loss allowance to noncurrent loans | 85.3832% | 3,513 |
Noncurrent assets plus other real estate owned to assets | 0.9816% | 522 |
Noncurrent loans to loans | 1.1882% | 749 |
Net loans and leases to total assets | 63.3333% | 1,704 |
Net loans and leases to deposits | 73.5507% | 1,649 |
Net loans and leases to core deposits | 87.9321% | 1,022 |
Total domestic deposits to total assets | 86.1083% | 3,221 |
Equity capital to assets | 10.0604% | 1,847 |
Core capital (leverage) ratio | 9.9912% | 2,298 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6735% | 2,727 |
Memoranda: | ||
Average total assets | $551,584,500 | 1,629 |
Average earning assets | $516,711,000 | 1,629 |
Average equity | $59,704,500 | 1,495 |
Average total loans | $345,700,500 | 1,527 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9210% | 1,557 |
Cost of funding earning assets | 0.6077% | 525 |
Net interest margin | 3.3133% | 2,275 |
Noninterest income to average assets | 0.5733% | 2,266 |
Noninterest expense to average assets | 2.1574% | 3,211 |
Loan and lease loss provision to assets | 0.1524% | 788 |
Net operating income to assets | 1.0113% | 2,625 |
Return on assets (ROA) | 1.0387% | 2,595 |
Pretax return on assets | 1.4017% | 2,050 |
Return on Equity (ROE) | 9.4557% | 2,735 |
Retained earnings to average equity (ytd only) | 9.4557% | 1,060 |
Net charge-offs to loans | 0.1236% | 733 |
Credit loss provision to net charge-offs | 191.8465% | 1,333 |
Earnings coverage of net charge-offs (x) | 19.1319% | 1,888 |
Efficiency ratio | 58.3031% | 3,399 |
Assets per employee ($millions) | 8.2799% | 1,182 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0076% | 3,715 |
Loan loss allowance to noncurrent loans | 50.1764% | 3,891 |
Noncurrent assets plus other real estate owned to assets | 1.2302% | 395 |
Noncurrent loans to loans | 2.0082% | 389 |
Net loans and leases to total assets | 60.6415% | 2,093 |
Net loans and leases to deposits | 69.0945% | 2,217 |
Net loans and leases to core deposits | 82.3854% | 1,434 |
Total domestic deposits to total assets | 87.7661% | 2,164 |
Equity capital to assets | 11.6504% | 1,423 |
Core capital (leverage) ratio | 10.1377% | 2,237 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5920% | 2,417 |
Memoranda: | ||
Average total assets | $525,072,600 | 1,636 |
Average earning assets | $491,836,400 | 1,633 |
Average equity | $57,679,400 | 1,570 |
Average total loans | $337,334,200 | 1,563 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7752% | 2,075 |
Cost of funding earning assets | 0.6208% | 574 |
Net interest margin | 3.1544% | 2,879 |
Noninterest income to average assets | 0.5833% | 2,285 |
Noninterest expense to average assets | 2.0692% | 3,456 |
Loan and lease loss provision to assets | 0.0964% | 1,239 |
Net operating income to assets | 1.0211% | 2,832 |
Return on assets (ROA) | 1.0572% | 2,772 |
Pretax return on assets | 1.4184% | 2,257 |
Return on Equity (ROE) | 9.7742% | 2,820 |
Retained earnings to average equity (ytd only) | 9.7742% | 1,390 |
Net charge-offs to loans | 0.1378% | 592 |
Credit loss provision to net charge-offs | 107.6705% | 1,534 |
Earnings coverage of net charge-offs (x) | 16.3977% | 1,834 |
Efficiency ratio | 58.0924% | 3,247 |
Assets per employee ($millions) | 8.0621% | 1,244 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9326% | 4,062 |
Loan loss allowance to noncurrent loans | 50.3628% | 3,952 |
Noncurrent assets plus other real estate owned to assets | 1.1218% | 555 |
Noncurrent loans to loans | 1.8517% | 508 |
Net loans and leases to total assets | 60.0147% | 2,263 |
Net loans and leases to deposits | 68.7146% | 2,367 |
Net loans and leases to core deposits | 82.6134% | 1,527 |
Total domestic deposits to total assets | 87.3390% | 2,192 |
Equity capital to assets | 11.8322% | 1,476 |
Core capital (leverage) ratio | 10.0220% | 2,476 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4138% | 1,825 |
Memoranda: | ||
Average total assets | $523,863,000 | 1,650 |
Average earning assets | $490,728,750 | 1,644 |
Average equity | $56,665,000 | 1,608 |
Average total loans | $340,513,500 | 1,586 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6778% | 2,398 |
Cost of funding earning assets | 0.6203% | 672 |
Net interest margin | 3.0576% | 3,157 |
Noninterest income to average assets | 0.5907% | 2,264 |
Noninterest expense to average assets | 2.0657% | 3,501 |
Loan and lease loss provision to assets | 0.0452% | 2,110 |
Net operating income to assets | 0.9997% | 2,881 |
Return on assets (ROA) | 1.0538% | 2,782 |
Pretax return on assets | 1.4131% | 2,291 |
Return on Equity (ROE) | 10.0502% | 2,722 |
Retained earnings to average equity (ytd only) | 10.0502% | 1,376 |
Net charge-offs to loans | -0.0063% | 3,502 |
Credit loss provision to net charge-offs | -1,081.8182% | 3,678 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.3822% | 3,101 |
Assets per employee ($millions) | 8.6011% | 978 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9154% | 4,113 |
Loan loss allowance to noncurrent loans | 54.8328% | 3,894 |
Noncurrent assets plus other real estate owned to assets | 1.0321% | 722 |
Noncurrent loans to loans | 1.6695% | 640 |
Net loans and leases to total assets | 61.2567% | 2,273 |
Net loans and leases to deposits | 73.4164% | 2,061 |
Net loans and leases to core deposits | 88.9375% | 1,211 |
Total domestic deposits to total assets | 83.4373% | 3,597 |
Equity capital to assets | 11.2386% | 1,801 |
Core capital (leverage) ratio | 9.8928% | 2,504 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3863% | 1,839 |
Memoranda: | ||
Average total assets | $526,493,333 | 1,639 |
Average earning assets | $493,335,667 | 1,624 |
Average equity | $55,203,000 | 1,638 |
Average total loans | $349,826,667 | 1,560 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6136% | 2,598 |
Cost of funding earning assets | 0.5949% | 889 |
Net interest margin | 3.0187% | 3,209 |
Noninterest income to average assets | 0.6951% | 1,885 |
Noninterest expense to average assets | 2.0180% | 3,663 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.1248% | 2,402 |
Return on assets (ROA) | 1.1248% | 2,474 |
Pretax return on assets | 1.5094% | 1,967 |
Return on Equity (ROE) | 11.1358% | 2,323 |
Retained earnings to average equity (ytd only) | 11.1358% | 1,369 |
Net charge-offs to loans | -0.0011% | 3,057 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.8177% | 3,452 |
Assets per employee ($millions) | 8.9983% | 834 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8115% | 4,385 |
Loan loss allowance to noncurrent loans | 59.9005% | 3,848 |
Noncurrent assets plus other real estate owned to assets | 0.9085% | 944 |
Noncurrent loans to loans | 1.3548% | 948 |
Net loans and leases to total assets | 66.5097% | 1,731 |
Net loans and leases to deposits | 84.4987% | 1,097 |
Net loans and leases to core deposits | 105.3081% | 534 |
Total domestic deposits to total assets | 78.7109% | 4,362 |
Equity capital to assets | 10.0002% | 2,707 |
Core capital (leverage) ratio | 9.4364% | 3,103 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6130% | 2,041 |
Memoranda: | ||
Average total assets | $523,104,500 | 1,625 |
Average earning assets | $490,808,500 | 1,614 |
Average equity | $52,838,500 | 1,689 |
Average total loans | $359,899,000 | 1,523 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0713% | 2,505 |
Cost of funding earning assets | 0.8446% | 1,038 |
Net interest margin | 3.2267% | 3,281 |
Noninterest income to average assets | 0.7870% | 1,571 |
Noninterest expense to average assets | 2.1996% | 3,666 |
Loan and lease loss provision to assets | 0.2076% | 1,900 |
Net operating income to assets | 1.0332% | 2,163 |
Return on assets (ROA) | 1.1167% | 1,973 |
Pretax return on assets | 1.4843% | 1,390 |
Return on Equity (ROE) | 11.1770% | 1,567 |
Retained earnings to average equity (ytd only) | 10.0833% | 567 |
Net charge-offs to loans | 0.0036% | 3,245 |
Credit loss provision to net charge-offs | 7,916.6667% | 133 |
Earnings coverage of net charge-offs (x) | 604.8333% | 197 |
Efficiency ratio | 57.6863% | 3,771 |
Assets per employee ($millions) | 7.5781% | 1,232 |
Cash dividends to net income (ytd only)* | 9.7847% | 3,554 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7938% | 4,437 |
Loan loss allowance to noncurrent loans | 59.7311% | 3,883 |
Noncurrent assets plus other real estate owned to assets | 0.9383% | 1,030 |
Noncurrent loans to loans | 1.3290% | 1,020 |
Net loans and leases to total assets | 70.0397% | 1,556 |
Net loans and leases to deposits | 97.6854% | 473 |
Net loans and leases to core deposits | 118.2354% | 336 |
Total domestic deposits to total assets | 71.6993% | 4,725 |
Equity capital to assets | 10.2047% | 2,928 |
Core capital (leverage) ratio | 9.4444% | 3,177 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9445% | 1,873 |
Memoranda: | ||
Average total assets | $457,579,800 | 1,676 |
Average earning assets | $425,267,800 | 1,677 |
Average equity | $45,719,000 | 1,824 |
Average total loans | $336,844,400 | 1,551 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6860% | 3,829 |
Cost of funding earning assets | 0.9109% | 1,033 |
Net interest margin | 2.7750% | 4,375 |
Noninterest income to average assets | 0.9501% | 1,120 |
Noninterest expense to average assets | 2.2312% | 3,604 |
Loan and lease loss provision to assets | 0.1545% | 2,466 |
Net operating income to assets | 0.8597% | 2,863 |
Return on assets (ROA) | 0.9586% | 2,626 |
Pretax return on assets | 1.2837% | 2,118 |
Return on Equity (ROE) | 10.9442% | 1,699 |
Retained earnings to average equity (ytd only) | 8.7377% | 1,061 |
Net charge-offs to loans | 0.0185% | 2,485 |
Credit loss provision to net charge-offs | 1,111.1111% | 774 |
Earnings coverage of net charge-offs (x) | 94.3611% | 825 |
Efficiency ratio | 62.9512% | 2,923 |
Assets per employee ($millions) | 8.0570% | 973 |
Cash dividends to net income (ytd only)* | 20.1613% | 2,765 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6737% | 4,616 |
Loan loss allowance to noncurrent loans | 58.5283% | 3,908 |
Noncurrent assets plus other real estate owned to assets | 0.8885% | 1,299 |
Noncurrent loans to loans | 1.1510% | 1,316 |
Net loans and leases to total assets | 72.5501% | 1,581 |
Net loans and leases to deposits | 104.9253% | 360 |
Net loans and leases to core deposits | 125.4277% | 316 |
Total domestic deposits to total assets | 69.1446% | 4,786 |
Equity capital to assets | 9.6490% | 3,554 |
Core capital (leverage) ratio | 11.8883% | 1,387 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3292% | 2,058 |
Memoranda: | ||
Average total assets | $344,924,750 | 2,054 |
Average earning assets | $322,439,750 | 2,044 |
Average equity | $30,213,000 | 2,462 |
Average total loans | $258,753,750 | 1,869 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9576% | 3,441 |
Cost of funding earning assets | 1.0742% | 782 |
Net interest margin | 2.8834% | 4,334 |
Noninterest income to average assets | 0.9337% | 1,098 |
Noninterest expense to average assets | 2.5788% | 2,737 |
Loan and lease loss provision to assets | 0.1044% | 2,967 |
Net operating income to assets | 0.7075% | 3,371 |
Return on assets (ROA) | 0.7584% | 3,300 |
Pretax return on assets | 1.0094% | 2,993 |
Return on Equity (ROE) | 9.2321% | 2,267 |
Retained earnings to average equity (ytd only) | 4.9659% | 2,493 |
Net charge-offs to loans | 0.0285% | 2,148 |
Credit loss provision to net charge-offs | 480.6452% | 1,266 |
Earnings coverage of net charge-offs (x) | 48.2903% | 1,126 |
Efficiency ratio | 71.0781% | 1,812 |
Assets per employee ($millions) | 7.9606% | 983 |
Cash dividends to net income (ytd only)* | 46.2107% | 1,674 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7070% | 4,551 |
Loan loss allowance to noncurrent loans | 51.8961% | 4,028 |
Noncurrent assets plus other real estate owned to assets | 1.0290% | 1,156 |
Noncurrent loans to loans | 1.3623% | 1,132 |
Net loans and leases to total assets | 74.9977% | 1,280 |
Net loans and leases to deposits | 115.2629% | 140 |
Net loans and leases to core deposits | 145.7123% | 128 |
Total domestic deposits to total assets | 65.0667% | 4,902 |
Equity capital to assets | 6.5100% | 5,015 |
Core capital (leverage) ratio | 8.0515% | 4,721 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9880% | 2,619 |
Memoranda: | ||
Average total assets | $285,331,667 | 2,334 |
Average earning assets | $266,628,667 | 2,327 |
Average equity | $23,440,000 | 2,898 |
Average total loans | $217,496,667 | 2,103 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5416% | 2,186 |
Cost of funding earning assets | 1.2462% | 663 |
Net interest margin | 3.2955% | 3,603 |
Noninterest income to average assets | 0.7139% | 1,593 |
Noninterest expense to average assets | 2.9653% | 1,970 |
Loan and lease loss provision to assets | 0.1411% | 1,976 |
Net operating income to assets | 0.4847% | 3,932 |
Return on assets (ROA) | 0.5844% | 3,704 |
Pretax return on assets | 0.7720% | 3,484 |
Return on Equity (ROE) | 6.1267% | 3,273 |
Retained earnings to average equity (ytd only) | 1.7753% | 3,520 |
Net charge-offs to loans | -0.0022% | 3,667 |
Credit loss provision to net charge-offs | -8,500.0000% | 3,951 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0265% | 1,232 |
Assets per employee ($millions) | 5.2850% | 2,339 |
Cash dividends to net income (ytd only)* | 71.0227% | 1,174 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0636% | 3,388 |
Loan loss allowance to noncurrent loans | 46.8318% | 4,141 |
Noncurrent assets plus other real estate owned to assets | 1.6548% | 606 |
Noncurrent loans to loans | 2.2712% | 561 |
Net loans and leases to total assets | 72.0866% | 1,906 |
Net loans and leases to deposits | 87.0627% | 1,862 |
Net loans and leases to core deposits | 118.1522% | 529 |
Total domestic deposits to total assets | 82.7985% | 3,173 |
Equity capital to assets | 9.0476% | 4,573 |
Core capital (leverage) ratio | 9.4618% | 4,025 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8860% | 2,760 |
Memoranda: | ||
Average total assets | $240,922,500 | 2,548 |
Average earning assets | $222,122,500 | 2,555 |
Average equity | $22,981,500 | 2,926 |
Average total loans | $184,944,000 | 2,309 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0425% | 1,362 |
Cost of funding earning assets | 1.4018% | 562 |
Net interest margin | 3.6407% | 2,991 |
Noninterest income to average assets | 0.4264% | 3,126 |
Noninterest expense to average assets | 2.9751% | 2,077 |
Loan and lease loss provision to assets | 0.1758% | 1,187 |
Net operating income to assets | 0.4797% | 4,451 |
Return on assets (ROA) | 0.6905% | 3,961 |
Pretax return on assets | 0.9316% | 3,645 |
Return on Equity (ROE) | 6.6958% | 3,662 |
Retained earnings to average equity (ytd only) | 2.3022% | 3,871 |
Net charge-offs to loans | 0.0322% | 2,745 |
Credit loss provision to net charge-offs | 705.4545% | 451 |
Earnings coverage of net charge-offs (x) | 33.7273% | 1,465 |
Efficiency ratio | 77.3542% | 1,225 |
Assets per employee ($millions) | 4.7534% | 2,889 |
Cash dividends to net income (ytd only)* | 65.6168% | 1,307 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0159% | 3,406 |
Loan loss allowance to noncurrent loans | 43.4883% | 4,207 |
Noncurrent assets plus other real estate owned to assets | 1.8947% | 438 |
Noncurrent loans to loans | 2.3361% | 503 |
Net loans and leases to total assets | 80.2809% | 747 |
Net loans and leases to deposits | 96.9292% | 847 |
Net loans and leases to core deposits | 133.0061% | 240 |
Total domestic deposits to total assets | 82.8242% | 3,259 |
Equity capital to assets | 10.0853% | 3,847 |
Core capital (leverage) ratio | 9.5871% | 3,977 |
Tier 1 risk-based capital ratio | 12.0346% | 4,345 |
Total risk-based capital ratio | 13.0540% | 4,350 |
Memoranda: | ||
Average total assets | $220,701,600 | 2,654 |
Average earning assets | $205,455,000 | 2,654 |
Average equity | $22,760,400 | 2,889 |
Average total loans | $171,039,800 | 2,406 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9743% | 1,614 |
Cost of funding earning assets | 1.3862% | 596 |
Net interest margin | 3.5881% | 3,284 |
Noninterest income to average assets | 0.6050% | 2,176 |
Noninterest expense to average assets | 2.9281% | 2,169 |
Loan and lease loss provision to assets | 0.1669% | 1,116 |
Net operating income to assets | 0.6377% | 4,193 |
Return on assets (ROA) | 0.9212% | 3,345 |
Pretax return on assets | 1.2216% | 2,910 |
Return on Equity (ROE) | 8.8817% | 2,931 |
Retained earnings to average equity (ytd only) | 4.4761% | 3,156 |
Net charge-offs to loans | -0.0056% | 4,232 |
Credit loss provision to net charge-offs | -3,914.2857% | 4,615 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1835% | 1,675 |
Assets per employee ($millions) | 5.0140% | 2,547 |
Cash dividends to net income (ytd only)* | 49.6034% | 1,698 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0395% | 3,348 |
Loan loss allowance to noncurrent loans | 54.2433% | 4,116 |
Noncurrent assets plus other real estate owned to assets | 1.4300% | 799 |
Noncurrent loans to loans | 1.9163% | 727 |
Net loans and leases to total assets | 73.8489% | 1,847 |
Net loans and leases to deposits | 90.9604% | 1,573 |
Net loans and leases to core deposits | 126.6806% | 354 |
Total domestic deposits to total assets | 81.1879% | 3,696 |
Equity capital to assets | 9.8919% | 4,123 |
Core capital (leverage) ratio | 10.0409% | 3,603 |
Tier 1 risk-based capital ratio | 12.7021% | 4,032 |
Total risk-based capital ratio | 13.7382% | 4,029 |
Memoranda: | ||
Average total assets | $218,836,000 | 2,696 |
Average earning assets | $204,486,750 | 2,682 |
Average equity | $22,697,750 | 2,918 |
Average total loans | $167,536,750 | 2,457 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0838% | 1,260 |
Cost of funding earning assets | 1.3352% | 669 |
Net interest margin | 3.7486% | 2,759 |
Noninterest income to average assets | 0.5487% | 2,391 |
Noninterest expense to average assets | 3.1037% | 1,723 |
Loan and lease loss provision to assets | 0.1857% | 955 |
Net operating income to assets | 0.5784% | 4,365 |
Return on assets (ROA) | 1.0149% | 2,944 |
Pretax return on assets | 1.3272% | 2,451 |
Return on Equity (ROE) | 9.6206% | 2,576 |
Retained earnings to average equity (ytd only) | 5.1749% | 2,682 |
Net charge-offs to loans | 0.0049% | 2,986 |
Credit loss provision to net charge-offs | 4,950.0000% | 77 |
Earnings coverage of net charge-offs (x) | 256.0000% | 316 |
Efficiency ratio | 75.1673% | 1,498 |
Assets per employee ($millions) | 4.6437% | 2,946 |
Cash dividends to net income (ytd only)* | 46.2107% | 1,956 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0351% | 3,417 |
Loan loss allowance to noncurrent loans | 92.7050% | 3,445 |
Noncurrent assets plus other real estate owned to assets | 0.8792% | 1,596 |
Noncurrent loans to loans | 1.1165% | 1,462 |
Net loans and leases to total assets | 77.9260% | 1,236 |
Net loans and leases to deposits | 97.9142% | 853 |
Net loans and leases to core deposits | 131.7553% | 289 |
Total domestic deposits to total assets | 79.5861% | 4,118 |
Equity capital to assets | 10.7416% | 3,313 |
Core capital (leverage) ratio | 10.3916% | 3,200 |
Tier 1 risk-based capital ratio | 13.6404% | 3,513 |
Total risk-based capital ratio | 14.7095% | 3,503 |
Memoranda: | ||
Average total assets | $213,229,000 | 2,751 |
Average earning assets | $199,968,000 | 2,742 |
Average equity | $22,493,330 | 2,924 |
Average total loans | $164,763,000 | 2,489 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0156% | 1,299 |
Cost of funding earning assets | 1.2939% | 667 |
Net interest margin | 3.7217% | 2,811 |
Noninterest income to average assets | 0.5069% | 2,515 |
Noninterest expense to average assets | 2.9741% | 2,066 |
Loan and lease loss provision to assets | 0.1070% | 1,663 |
Net operating income to assets | 0.7227% | 3,865 |
Return on assets (ROA) | 0.7717% | 3,759 |
Pretax return on assets | 0.9820% | 3,504 |
Return on Equity (ROE) | 7.3830% | 3,512 |
Retained earnings to average equity (ytd only) | 2.8921% | 3,779 |
Net charge-offs to loans | 0.0123% | 2,256 |
Credit loss provision to net charge-offs | 1,140.0000% | 334 |
Earnings coverage of net charge-offs (x) | 109.4000% | 632 |
Efficiency ratio | 73.1112% | 1,866 |
Assets per employee ($millions) | 4.4943% | 3,202 |
Cash dividends to net income (ytd only)* | 60.8273% | 1,338 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9721% | 3,860 |
Loan loss allowance to noncurrent loans | 122.9055% | 3,026 |
Noncurrent assets plus other real estate owned to assets | 0.6031% | 2,265 |
Noncurrent loans to loans | 0.7909% | 2,060 |
Net loans and leases to total assets | 75.5087% | 1,563 |
Net loans and leases to deposits | 97.1701% | 873 |
Net loans and leases to core deposits | 127.8507% | 338 |
Total domestic deposits to total assets | 77.7078% | 4,565 |
Equity capital to assets | 10.4670% | 3,375 |
Core capital (leverage) ratio | 10.2224% | 3,359 |
Tier 1 risk-based capital ratio | 13.6368% | 3,530 |
Total risk-based capital ratio | 14.6405% | 3,577 |
Memoranda: | ||
Average total assets | $213,039,000 | 2,780 |
Average earning assets | $200,016,000 | 2,762 |
Average equity | $22,267,500 | 2,946 |
Average total loans | $163,045,500 | 2,533 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8224% | 1,496 |
Cost of funding earning assets | 1.0606% | 578 |
Net interest margin | 3.7618% | 2,816 |
Noninterest income to average assets | 0.8269% | 1,381 |
Noninterest expense to average assets | 3.1176% | 1,748 |
Loan and lease loss provision to assets | 0.0920% | 2,313 |
Net operating income to assets | 0.8861% | 3,476 |
Return on assets (ROA) | 0.8861% | 3,472 |
Pretax return on assets | 1.1655% | 3,038 |
Return on Equity (ROE) | 8.3830% | 3,279 |
Retained earnings to average equity (ytd only) | 5.5604% | 2,448 |
Net charge-offs to loans | 0.0588% | 2,299 |
Credit loss provision to net charge-offs | 205.5556% | 1,403 |
Earnings coverage of net charge-offs (x) | 28.1000% | 1,664 |
Efficiency ratio | 70.0761% | 2,171 |
Assets per employee ($millions) | 4.4756% | 3,206 |
Cash dividends to net income (ytd only)* | 33.6700% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9573% | 3,929 |
Loan loss allowance to noncurrent loans | 62.2035% | 4,076 |
Noncurrent assets plus other real estate owned to assets | 1.1823% | 1,108 |
Noncurrent loans to loans | 1.5390% | 979 |
Net loans and leases to total assets | 76.0882% | 1,596 |
Net loans and leases to deposits | 96.7532% | 997 |
Net loans and leases to core deposits | 120.2529% | 538 |
Total domestic deposits to total assets | 78.6415% | 4,385 |
Equity capital to assets | 10.4373% | 3,249 |
Core capital (leverage) ratio | 10.4472% | 3,086 |
Tier 1 risk-based capital ratio | 13.7637% | 3,412 |
Total risk-based capital ratio | 14.7544% | 3,454 |
Memoranda: | ||
Average total assets | $201,115,400 | 2,856 |
Average earning assets | $189,696,400 | 2,833 |
Average equity | $21,257,400 | 2,959 |
Average total loans | $153,022,400 | 2,612 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6760% | 1,747 |
Cost of funding earning assets | 1.0165% | 556 |
Net interest margin | 3.6594% | 3,172 |
Noninterest income to average assets | 0.5841% | 2,394 |
Noninterest expense to average assets | 3.0481% | 1,883 |
Loan and lease loss provision to assets | -0.0101% | 5,219 |
Net operating income to assets | 0.7934% | 3,928 |
Return on assets (ROA) | 0.7934% | 3,939 |
Pretax return on assets | 1.0033% | 3,712 |
Return on Equity (ROE) | 7.4813% | 3,761 |
Retained earnings to average equity (ytd only) | 4.6355% | 3,433 |
Net charge-offs to loans | 0.0283% | 2,534 |
Credit loss provision to net charge-offs | -46.8750% | 4,157 |
Earnings coverage of net charge-offs (x) | 46.2765% | 1,234 |
Efficiency ratio | 74.1288% | 1,576 |
Assets per employee ($millions) | 4.4750% | 3,160 |
Cash dividends to net income (ytd only)* | 38.0393% | 2,160 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9050% | 4,243 |
Loan loss allowance to noncurrent loans | 27.5328% | 4,786 |
Noncurrent assets plus other real estate owned to assets | 2.5341% | 337 |
Noncurrent loans to loans | 3.2869% | 309 |
Net loans and leases to total assets | 76.3983% | 1,603 |
Net loans and leases to deposits | 97.7818% | 966 |
Net loans and leases to core deposits | 122.1900% | 506 |
Total domestic deposits to total assets | 78.1313% | 4,468 |
Equity capital to assets | 10.5490% | 3,093 |
Core capital (leverage) ratio | 10.4335% | 3,149 |
Tier 1 risk-based capital ratio | 14.0871% | 3,329 |
Total risk-based capital ratio | 15.0245% | 3,392 |
Memoranda: | ||
Average total assets | $198,806,250 | 2,902 |
Average earning assets | $187,821,250 | 2,872 |
Average equity | $21,083,000 | 2,996 |
Average total loans | $150,878,000 | 2,649 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6290% | 1,697 |
Cost of funding earning assets | 0.9568% | 564 |
Net interest margin | 3.6722% | 3,034 |
Noninterest income to average assets | 0.5709% | 2,470 |
Noninterest expense to average assets | 3.0957% | 1,798 |
Loan and lease loss provision to assets | -0.0808% | 5,407 |
Net operating income to assets | 0.8103% | 3,824 |
Return on assets (ROA) | 0.8103% | 3,826 |
Pretax return on assets | 1.0265% | 3,579 |
Return on Equity (ROE) | 7.6273% | 3,663 |
Retained earnings to average equity (ytd only) | 4.7742% | 3,198 |
Net charge-offs to loans | 0.0402% | 2,058 |
Credit loss provision to net charge-offs | -266.6667% | 4,244 |
Earnings coverage of net charge-offs (x) | 31.2000% | 1,464 |
Efficiency ratio | 75.3000% | 1,520 |
Assets per employee ($millions) | 4.6991% | 2,819 |
Cash dividends to net income (ytd only)* | 37.4065% | 2,263 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8732% | 4,451 |
Loan loss allowance to noncurrent loans | 27.6758% | 4,799 |
Noncurrent assets plus other real estate owned to assets | 2.4384% | 364 |
Noncurrent loans to loans | 3.1552% | 342 |
Net loans and leases to total assets | 75.3927% | 1,740 |
Net loans and leases to deposits | 95.1322% | 1,234 |
Net loans and leases to core deposits | 119.4421% | 575 |
Total domestic deposits to total assets | 79.2504% | 4,383 |
Equity capital to assets | 10.4864% | 3,134 |
Core capital (leverage) ratio | 10.5903% | 2,934 |
Tier 1 risk-based capital ratio | 13.8195% | 3,453 |
Total risk-based capital ratio | 14.7091% | 3,557 |
Memoranda: | ||
Average total assets | $197,950,000 | 2,921 |
Average earning assets | $187,082,670 | 2,890 |
Average equity | $21,029,670 | 3,015 |
Average total loans | $149,420,000 | 2,670 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5325% | 1,765 |
Cost of funding earning assets | 0.8992% | 595 |
Net interest margin | 3.6333% | 3,055 |
Noninterest income to average assets | 0.4125% | 3,379 |
Noninterest expense to average assets | 3.1874% | 1,589 |
Loan and lease loss provision to assets | -0.2491% | 5,562 |
Net operating income to assets | 0.7228% | 4,016 |
Return on assets (ROA) | 0.7228% | 4,022 |
Pretax return on assets | 0.9066% | 3,826 |
Return on Equity (ROE) | 6.7589% | 3,874 |
Retained earnings to average equity (ytd only) | 3.8950% | 3,636 |
Net charge-offs to loans | 0.0054% | 2,541 |
Credit loss provision to net charge-offs | -6,100.0000% | 4,477 |
Earnings coverage of net charge-offs (x) | 161.0000% | 407 |
Efficiency ratio | 81.5189% | 1,000 |
Assets per employee ($millions) | 4.1510% | 3,724 |
Cash dividends to net income (ytd only)* | 42.3729% | 1,757 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9008% | 4,448 |
Loan loss allowance to noncurrent loans | 26.0290% | 4,858 |
Noncurrent assets plus other real estate owned to assets | 2.6807% | 330 |
Noncurrent loans to loans | 3.4606% | 302 |
Net loans and leases to total assets | 74.8869% | 1,729 |
Net loans and leases to deposits | 95.0702% | 1,124 |
Net loans and leases to core deposits | 120.6547% | 571 |
Total domestic deposits to total assets | 78.7700% | 4,615 |
Equity capital to assets | 10.6788% | 2,884 |
Core capital (leverage) ratio | 10.5018% | 2,938 |
Tier 1 risk-based capital ratio | 14.6016% | 3,068 |
Total risk-based capital ratio | 15.5494% | 3,143 |
Memoranda: | ||
Average total assets | $195,894,000 | 2,969 |
Average earning assets | $185,063,500 | 2,940 |
Average equity | $20,950,000 | 3,051 |
Average total loans | $147,289,000 | 2,721 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3944% | 2,039 |
Cost of funding earning assets | 0.8413% | 498 |
Net interest margin | 3.5531% | 3,328 |
Noninterest income to average assets | 0.7449% | 1,789 |
Noninterest expense to average assets | 3.3162% | 1,344 |
Loan and lease loss provision to assets | 0.1646% | 1,343 |
Net operating income to assets | 0.4404% | 4,561 |
Return on assets (ROA) | 0.4548% | 4,546 |
Pretax return on assets | 0.6390% | 4,650 |
Return on Equity (ROE) | 4.3147% | 4,402 |
Retained earnings to average equity (ytd only) | 4.3147% | 2,568 |
Net charge-offs to loans | 0.2491% | 1,048 |
Credit loss provision to net charge-offs | 88.5475% | 2,815 |
Earnings coverage of net charge-offs (x) | 4.2151% | 3,503 |
Efficiency ratio | 79.4479% | 1,164 |
Assets per employee ($millions) | 4.1849% | 3,681 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9868% | 4,021 |
Loan loss allowance to noncurrent loans | 15.2826% | 5,010 |
Noncurrent assets plus other real estate owned to assets | 4.9397% | 94 |
Noncurrent loans to loans | 6.4568% | 74 |
Net loans and leases to total assets | 74.0735% | 1,908 |
Net loans and leases to deposits | 96.9975% | 992 |
Net loans and leases to core deposits | 119.1768% | 613 |
Total domestic deposits to total assets | 76.3665% | 4,935 |
Equity capital to assets | 10.7102% | 2,931 |
Core capital (leverage) ratio | 10.4538% | 2,897 |
Tier 1 risk-based capital ratio | 14.1579% | 3,278 |
Total risk-based capital ratio | 15.1706% | 3,316 |
Memoranda: | ||
Average total assets | $192,632,600 | 2,991 |
Average earning assets | $181,866,800 | 2,942 |
Average equity | $20,302,800 | 3,112 |
Average total loans | $143,728,600 | 2,723 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3857% | 1,998 |
Cost of funding earning assets | 0.8335% | 484 |
Net interest margin | 3.5522% | 3,313 |
Noninterest income to average assets | 0.6304% | 2,312 |
Noninterest expense to average assets | 3.2550% | 1,448 |
Loan and lease loss provision to assets | 0.1510% | 1,382 |
Net operating income to assets | 0.4029% | 4,994 |
Return on assets (ROA) | 0.4126% | 5,002 |
Pretax return on assets | 0.5921% | 4,861 |
Return on Equity (ROE) | 3.9312% | 4,873 |
Retained earnings to average equity (ytd only) | 3.9312% | 3,585 |
Net charge-offs to loans | 0.3360% | 624 |
Credit loss provision to net charge-offs | 60.2778% | 2,805 |
Earnings coverage of net charge-offs (x) | 2.9111% | 3,409 |
Efficiency ratio | 80.1607% | 1,083 |
Assets per employee ($millions) | 3.9756% | 4,024 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9309% | 4,425 |
Loan loss allowance to noncurrent loans | 25.6410% | 5,000 |
Noncurrent assets plus other real estate owned to assets | 2.8717% | 328 |
Noncurrent loans to loans | 3.6304% | 293 |
Net loans and leases to total assets | 75.2918% | 1,711 |
Net loans and leases to deposits | 99.4477% | 785 |
Net loans and leases to core deposits | 123.3014% | 480 |
Total domestic deposits to total assets | 75.7099% | 5,051 |
Equity capital to assets | 10.8407% | 3,023 |
Core capital (leverage) ratio | 10.3181% | 3,178 |
Tier 1 risk-based capital ratio | 14.3434% | 3,269 |
Total risk-based capital ratio | 15.3123% | 3,328 |
Memoranda: | ||
Average total assets | $191,618,000 | 3,030 |
Average earning assets | $180,915,500 | 2,980 |
Average equity | $20,112,000 | 3,154 |
Average total loans | $142,873,750 | 2,754 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3390% | 2,004 |
Cost of funding earning assets | 0.8071% | 508 |
Net interest margin | 3.5320% | 3,291 |
Noninterest income to average assets | 0.5931% | 2,493 |
Noninterest expense to average assets | 3.1717% | 1,646 |
Loan and lease loss provision to assets | 0.2356% | 728 |
Net operating income to assets | 0.3367% | 5,133 |
Return on assets (ROA) | 0.3502% | 5,120 |
Pretax return on assets | 0.5410% | 4,930 |
Return on Equity (ROE) | 3.3734% | 5,006 |
Retained earnings to average equity (ytd only) | 3.3734% | 3,705 |
Net charge-offs to loans | 0.4094% | 499 |
Credit loss provision to net charge-offs | 77.6632% | 2,289 |
Earnings coverage of net charge-offs (x) | 2.4914% | 3,156 |
Efficiency ratio | 79.1401% | 1,320 |
Assets per employee ($millions) | 4.1269% | 3,742 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9925% | 4,190 |
Loan loss allowance to noncurrent loans | 25.2475% | 5,044 |
Noncurrent assets plus other real estate owned to assets | 2.9184% | 322 |
Noncurrent loans to loans | 3.9311% | 251 |
Net loans and leases to total assets | 71.9109% | 2,217 |
Net loans and leases to deposits | 96.9278% | 992 |
Net loans and leases to core deposits | 120.4948% | 542 |
Total domestic deposits to total assets | 74.1901% | 5,275 |
Equity capital to assets | 10.2720% | 3,604 |
Core capital (leverage) ratio | 10.1698% | 3,314 |
Tier 1 risk-based capital ratio | 14.0155% | 3,422 |
Total risk-based capital ratio | 15.0318% | 3,464 |
Memoranda: | ||
Average total assets | $191,881,670 | 3,040 |
Average earning assets | $181,146,000 | 2,992 |
Average equity | $19,920,330 | 3,169 |
Average total loans | $142,156,000 | 2,775 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3715% | 1,747 |
Cost of funding earning assets | 0.7675% | 587 |
Net interest margin | 3.6041% | 2,876 |
Noninterest income to average assets | 0.5340% | 2,745 |
Noninterest expense to average assets | 3.2525% | 1,471 |
Loan and lease loss provision to assets | 0.2543% | 581 |
Net operating income to assets | 0.4111% | 4,918 |
Return on assets (ROA) | 0.4111% | 4,942 |
Pretax return on assets | 0.4301% | 5,100 |
Return on Equity (ROE) | 3.9378% | 4,803 |
Retained earnings to average equity (ytd only) | 3.9378% | 3,476 |
Net charge-offs to loans | 0.0085% | 2,680 |
Credit loss provision to net charge-offs | 4,000.0000% | 74 |
Earnings coverage of net charge-offs (x) | 107.6667% | 502 |
Efficiency ratio | 81.0011% | 1,258 |
Assets per employee ($millions) | 4.1742% | 3,710 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1272% | 3,535 |
Loan loss allowance to noncurrent loans | 25.6819% | 5,115 |
Noncurrent assets plus other real estate owned to assets | 3.2925% | 273 |
Noncurrent loans to loans | 4.3891% | 222 |
Net loans and leases to total assets | 73.5478% | 1,813 |
Net loans and leases to deposits | 98.3194% | 744 |
Net loans and leases to core deposits | 128.1285% | 287 |
Total domestic deposits to total assets | 74.8050% | 5,348 |
Equity capital to assets | 10.3623% | 3,335 |
Core capital (leverage) ratio | 10.2745% | 3,151 |
Tier 1 risk-based capital ratio | 14.0008% | 3,480 |
Total risk-based capital ratio | 15.1568% | 3,445 |
Memoranda: | ||
Average total assets | $188,777,000 | 3,095 |
Average earning assets | $178,243,500 | 3,052 |
Average equity | $19,706,500 | 3,205 |
Average total loans | $141,295,500 | 2,799 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3411% | 2,010 |
Cost of funding earning assets | 0.6410% | 1,096 |
Net interest margin | 3.7001% | 2,693 |
Noninterest income to average assets | 1.1707% | 827 |
Noninterest expense to average assets | 3.3339% | 1,503 |
Loan and lease loss provision to assets | 0.0794% | 2,780 |
Net operating income to assets | 0.9159% | 2,746 |
Return on assets (ROA) | 0.8904% | 2,991 |
Pretax return on assets | 1.2151% | 2,606 |
Return on Equity (ROE) | 8.1766% | 2,846 |
Retained earnings to average equity (ytd only) | 5.6278% | 1,938 |
Net charge-offs to loans | 0.0222% | 3,596 |
Credit loss provision to net charge-offs | 493.1034% | 673 |
Earnings coverage of net charge-offs (x) | 82.5862% | 700 |
Efficiency ratio | 70.1107% | 2,881 |
Assets per employee ($millions) | 4.1231% | 3,744 |
Cash dividends to net income (ytd only)* | 31.1721% | 3,269 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0683% | 3,904 |
Loan loss allowance to noncurrent loans | 26.7995% | 5,139 |
Noncurrent assets plus other real estate owned to assets | 3.0312% | 332 |
Noncurrent loans to loans | 3.9861% | 263 |
Net loans and leases to total assets | 74.5209% | 1,767 |
Net loans and leases to deposits | 99.9754% | 672 |
Net loans and leases to core deposits | 124.6988% | 369 |
Total domestic deposits to total assets | 74.5392% | 5,395 |
Equity capital to assets | 10.5185% | 3,132 |
Core capital (leverage) ratio | 10.3013% | 3,107 |
Tier 1 risk-based capital ratio | 13.9378% | 3,497 |
Total risk-based capital ratio | 15.0197% | 3,505 |
Memoranda: | ||
Average total assets | $180,150,800 | 3,162 |
Average earning assets | $170,050,200 | 3,112 |
Average equity | $19,617,000 | 3,205 |
Average total loans | $130,393,400 | 2,914 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3984% | 1,866 |
Cost of funding earning assets | 0.6261% | 1,163 |
Net interest margin | 3.7723% | 2,444 |
Noninterest income to average assets | 0.9932% | 1,157 |
Noninterest expense to average assets | 3.2907% | 1,588 |
Loan and lease loss provision to assets | 0.0664% | 2,896 |
Net operating income to assets | 0.8737% | 3,038 |
Return on assets (ROA) | 0.9418% | 2,823 |
Pretax return on assets | 1.2923% | 2,460 |
Return on Equity (ROE) | 8.5732% | 2,719 |
Retained earnings to average equity (ytd only) | 8.5732% | 950 |
Net charge-offs to loans | 0.0031% | 3,822 |
Credit loss provision to net charge-offs | 2,966.6667% | 170 |
Earnings coverage of net charge-offs (x) | 565.6525% | 160 |
Efficiency ratio | 70.8020% | 2,774 |
Assets per employee ($millions) | 3.9221% | 4,093 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0892% | 3,890 |
Loan loss allowance to noncurrent loans | 112.7791% | 3,367 |
Noncurrent assets plus other real estate owned to assets | 0.8208% | 2,494 |
Noncurrent loans to loans | 0.9658% | 2,307 |
Net loans and leases to total assets | 72.1678% | 2,160 |
Net loans and leases to deposits | 97.6439% | 887 |
Net loans and leases to core deposits | 122.2440% | 449 |
Total domestic deposits to total assets | 73.9092% | 5,445 |
Equity capital to assets | 11.1123% | 2,907 |
Core capital (leverage) ratio | 10.6743% | 2,809 |
Tier 1 risk-based capital ratio | 14.5916% | 3,241 |
Total risk-based capital ratio | 15.6973% | 3,240 |
Memoranda: | ||
Average total assets | $178,803,500 | 3,190 |
Average earning assets | $168,876,000 | 3,139 |
Average equity | $19,642,250 | 3,228 |
Average total loans | $128,052,000 | 2,956 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3946% | 1,844 |
Cost of funding earning assets | 0.6191% | 1,199 |
Net interest margin | 3.7756% | 2,424 |
Noninterest income to average assets | 1.0545% | 1,006 |
Noninterest expense to average assets | 3.3296% | 1,534 |
Loan and lease loss provision to assets | 0.0509% | 3,129 |
Net operating income to assets | 0.9031% | 2,848 |
Return on assets (ROA) | 0.9584% | 2,734 |
Pretax return on assets | 1.3133% | 2,353 |
Return on Equity (ROE) | 8.7596% | 2,606 |
Retained earnings to average equity (ytd only) | 8.7596% | 919 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.6804% | 2,879 |
Assets per employee ($millions) | 3.8313% | 4,209 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0971% | 3,958 |
Loan loss allowance to noncurrent loans | 115.1172% | 3,414 |
Noncurrent assets plus other real estate owned to assets | 0.7142% | 2,834 |
Noncurrent loans to loans | 0.9530% | 2,378 |
Net loans and leases to total assets | 71.2900% | 2,284 |
Net loans and leases to deposits | 95.4191% | 1,147 |
Net loans and leases to core deposits | 114.4878% | 702 |
Total domestic deposits to total assets | 74.7125% | 5,447 |
Equity capital to assets | 11.2804% | 2,766 |
Core capital (leverage) ratio | 10.6194% | 2,832 |
Tier 1 risk-based capital ratio | 14.8671% | 3,133 |
Total risk-based capital ratio | 15.9879% | 3,137 |
Memoranda: | ||
Average total assets | $176,959,000 | 3,226 |
Average earning assets | $167,021,670 | 3,181 |
Average equity | $19,361,670 | 3,260 |
Average total loans | $125,903,670 | 3,000 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4993% | 1,507 |
Cost of funding earning assets | 0.6227% | 1,202 |
Net interest margin | 3.8766% | 2,004 |
Noninterest income to average assets | 0.7939% | 1,642 |
Noninterest expense to average assets | 3.2214% | 1,790 |
Loan and lease loss provision to assets | 0.1027% | 1,988 |
Net operating income to assets | 0.8441% | 3,012 |
Return on assets (ROA) | 0.8441% | 3,145 |
Pretax return on assets | 1.1202% | 3,013 |
Return on Equity (ROE) | 7.8365% | 3,011 |
Retained earnings to average equity (ytd only) | 7.8365% | 1,529 |
Net charge-offs to loans | -0.0226% | 4,914 |
Credit loss provision to net charge-offs | -642.8571% | 4,627 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.9959% | 2,960 |
Assets per employee ($millions) | 3.9762% | 3,994 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1335% | 3,869 |
Loan loss allowance to noncurrent loans | 121.5803% | 3,204 |
Noncurrent assets plus other real estate owned to assets | 0.6852% | 3,003 |
Noncurrent loans to loans | 0.9323% | 2,519 |
Net loans and leases to total assets | 69.7573% | 2,380 |
Net loans and leases to deposits | 94.6092% | 1,087 |
Net loans and leases to core deposits | 113.9581% | 671 |
Total domestic deposits to total assets | 73.7320% | 5,633 |
Equity capital to assets | 10.6936% | 3,267 |
Core capital (leverage) ratio | 10.5172% | 2,940 |
Tier 1 risk-based capital ratio | 14.3051% | 3,492 |
Total risk-based capital ratio | 15.4194% | 3,513 |
Memoranda: | ||
Average total assets | $175,327,000 | 3,258 |
Average earning assets | $165,092,000 | 3,213 |
Average equity | $18,886,000 | 3,316 |
Average total loans | $123,956,500 | 3,031 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3797% | 1,970 |
Cost of funding earning assets | 0.6405% | 1,123 |
Net interest margin | 3.7393% | 2,607 |
Noninterest income to average assets | 0.7285% | 2,073 |
Noninterest expense to average assets | 3.6044% | 1,117 |
Loan and lease loss provision to assets | 0.3276% | 495 |
Net operating income to assets | 0.7318% | 3,665 |
Return on assets (ROA) | 1.0639% | 2,146 |
Pretax return on assets | 0.6322% | 4,739 |
Return on Equity (ROE) | 9.3300% | 2,309 |
Retained earnings to average equity (ytd only) | 9.3300% | 581 |
Net charge-offs to loans | 0.0735% | 2,780 |
Credit loss provision to net charge-offs | 684.9315% | 490 |
Earnings coverage of net charge-offs (x) | 13.1233% | 2,397 |
Efficiency ratio | 83.3746% | 1,239 |
Assets per employee ($millions) | 3.9028% | 4,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1334% | 3,846 |
Loan loss allowance to noncurrent loans | 142.1649% | 2,928 |
Noncurrent assets plus other real estate owned to assets | 0.5934% | 3,303 |
Noncurrent loans to loans | 0.7973% | 2,799 |
Net loans and leases to total assets | 70.0463% | 2,358 |
Net loans and leases to deposits | 90.8478% | 1,523 |
Net loans and leases to core deposits | 110.1570% | 846 |
Total domestic deposits to total assets | 77.1029% | 5,299 |
Equity capital to assets | 10.8534% | 2,980 |
Core capital (leverage) ratio | 10.9900% | 2,416 |
Tier 1 risk-based capital ratio | 14.9273% | 3,209 |
Total risk-based capital ratio | 16.0592% | 3,205 |
Memoranda: | ||
Average total assets | $152,646,400 | 3,531 |
Average earning assets | $143,023,200 | 3,499 |
Average equity | $17,406,200 | 3,476 |
Average total loans | $99,340,800 | 3,392 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3307% | 2,137 |
Cost of funding earning assets | 0.6473% | 1,109 |
Net interest margin | 3.6834% | 2,834 |
Noninterest income to average assets | 0.6275% | 2,594 |
Noninterest expense to average assets | 3.5596% | 1,179 |
Loan and lease loss provision to assets | 0.4039% | 294 |
Net operating income to assets | 0.1118% | 5,832 |
Return on assets (ROA) | 0.5689% | 4,618 |
Pretax return on assets | 0.5689% | 5,050 |
Return on Equity (ROE) | 4.9204% | 4,660 |
Retained earnings to average equity (ytd only) | 4.9204% | 2,969 |
Net charge-offs to loans | 0.0953% | 2,203 |
Credit loss provision to net charge-offs | 668.6567% | 510 |
Earnings coverage of net charge-offs (x) | 8.5374% | 2,805 |
Efficiency ratio | 85.4204% | 1,047 |
Assets per employee ($millions) | 3.5902% | 4,625 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2740% | 3,237 |
Loan loss allowance to noncurrent loans | 55.1967% | 4,813 |
Noncurrent assets plus other real estate owned to assets | 1.5643% | 1,427 |
Noncurrent loans to loans | 2.3081% | 925 |
Net loans and leases to total assets | 66.9137% | 2,861 |
Net loans and leases to deposits | 81.5119% | 2,705 |
Net loans and leases to core deposits | 99.2029% | 1,585 |
Total domestic deposits to total assets | 82.0907% | 4,131 |
Equity capital to assets | 11.2322% | 2,769 |
Core capital (leverage) ratio | 11.0647% | 2,418 |
Tier 1 risk-based capital ratio | 15.3403% | 3,120 |
Total risk-based capital ratio | 16.5306% | 3,088 |
Memoranda: | ||
Average total assets | $147,876,750 | 3,634 |
Average earning assets | $138,420,000 | 3,596 |
Average equity | $17,098,250 | 3,543 |
Average total loans | $93,759,500 | 3,536 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2559% | 2,332 |
Cost of funding earning assets | 0.6365% | 1,190 |
Net interest margin | 3.6193% | 3,015 |
Noninterest income to average assets | 0.5751% | 2,876 |
Noninterest expense to average assets | 3.5866% | 1,155 |
Loan and lease loss provision to assets | 0.5655% | 165 |
Net operating income to assets | -0.1977% | 6,104 |
Return on assets (ROA) | 0.4983% | 4,879 |
Pretax return on assets | 0.4983% | 5,233 |
Return on Equity (ROE) | 4.2662% | 4,918 |
Retained earnings to average equity (ytd only) | 4.2662% | 3,309 |
Net charge-offs to loans | 0.1243% | 1,766 |
Credit loss provision to net charge-offs | 735.7143% | 465 |
Earnings coverage of net charge-offs (x) | 4.7857% | 2,994 |
Efficiency ratio | 88.6845% | 857 |
Assets per employee ($millions) | 3.3835% | 5,014 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2944% | 3,271 |
Loan loss allowance to noncurrent loans | 48.0882% | 5,055 |
Noncurrent assets plus other real estate owned to assets | 1.9073% | 1,186 |
Noncurrent loans to loans | 2.6918% | 801 |
Net loans and leases to total assets | 65.5081% | 3,041 |
Net loans and leases to deposits | 79.6391% | 2,836 |
Net loans and leases to core deposits | 97.1689% | 1,709 |
Total domestic deposits to total assets | 82.2562% | 4,209 |
Equity capital to assets | 10.9763% | 2,911 |
Core capital (leverage) ratio | 11.5991% | 1,923 |
Tier 1 risk-based capital ratio | 15.2030% | 3,249 |
Total risk-based capital ratio | 16.3797% | 3,225 |
Memoranda: | ||
Average total assets | $145,709,670 | 3,699 |
Average earning assets | $136,047,000 | 3,660 |
Average equity | $17,017,670 | 3,565 |
Average total loans | $90,135,000 | 3,637 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0936% | 2,860 |
Cost of funding earning assets | 0.6356% | 1,200 |
Net interest margin | 3.4580% | 3,596 |
Noninterest income to average assets | 0.4774% | 3,446 |
Noninterest expense to average assets | 3.5749% | 1,170 |
Loan and lease loss provision to assets | 0.7217% | 122 |
Net operating income to assets | -0.5954% | 6,265 |
Return on assets (ROA) | 0.8172% | 3,298 |
Pretax return on assets | 0.8172% | 4,177 |
Return on Equity (ROE) | 6.7791% | 3,620 |
Retained earnings to average equity (ytd only) | 6.7791% | 2,110 |
Net charge-offs to loans | 0.1228% | 1,529 |
Credit loss provision to net charge-offs | 988.4615% | 347 |
Earnings coverage of net charge-offs (x) | 1.7308% | 2,874 |
Efficiency ratio | 94.3854% | 577 |
Assets per employee ($millions) | 3.7175% | 4,480 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3813% | 3,013 |
Loan loss allowance to noncurrent loans | 47.7016% | 5,084 |
Noncurrent assets plus other real estate owned to assets | 1.9658% | 1,220 |
Noncurrent loans to loans | 2.8956% | 775 |
Net loans and leases to total assets | 59.7905% | 3,684 |
Net loans and leases to deposits | 74.3113% | 3,265 |
Net loans and leases to core deposits | 92.7380% | 1,883 |
Total domestic deposits to total assets | 80.4594% | 4,939 |
Equity capital to assets | 12.1877% | 1,903 |
Core capital (leverage) ratio | 11.8683% | 1,726 |
Tier 1 risk-based capital ratio | 17.3786% | 2,347 |
Total risk-based capital ratio | 18.6012% | 2,315 |
Memoranda: | ||
Average total assets | $142,436,500 | 3,769 |
Average earning assets | $132,793,500 | 3,738 |
Average equity | $17,170,500 | 3,569 |
Average total loans | $84,678,500 | 3,782 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0750% | 3,421 |
Cost of funding earning assets | 0.6622% | 1,323 |
Net interest margin | 3.4128% | 4,145 |
Noninterest income to average assets | 0.6566% | 2,520 |
Noninterest expense to average assets | 3.5766% | 1,344 |
Loan and lease loss provision to assets | 0.1447% | 1,829 |
Net operating income to assets | 0.3836% | 5,278 |
Return on assets (ROA) | 0.7463% | 3,741 |
Pretax return on assets | 0.4600% | 5,358 |
Return on Equity (ROE) | 6.3920% | 3,958 |
Retained earnings to average equity (ytd only) | 6.3920% | 1,713 |
Net charge-offs to loans | 0.1100% | 2,943 |
Credit loss provision to net charge-offs | 232.1429% | 1,086 |
Earnings coverage of net charge-offs (x) | 3.8810% | 3,790 |
Efficiency ratio | 91.4125% | 748 |
Assets per employee ($millions) | 3.6823% | 4,565 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1372% | 4,347 |
Loan loss allowance to noncurrent loans | 35.2462% | 5,509 |
Noncurrent assets plus other real estate owned to assets | 2.1211% | 1,162 |
Noncurrent loans to loans | 3.2266% | 674 |
Net loans and leases to total assets | 57.6284% | 4,101 |
Net loans and leases to deposits | 71.4240% | 3,745 |
Net loans and leases to core deposits | 88.7268% | 2,414 |
Total domestic deposits to total assets | 80.6849% | 4,831 |
Equity capital to assets | 11.9241% | 2,066 |
Core capital (leverage) ratio | 11.0984% | 2,316 |
Tier 1 risk-based capital ratio | 16.8723% | 2,562 |
Total risk-based capital ratio | 17.9221% | 2,593 |
Memoranda: | ||
Average total assets | $134,791,800 | 3,887 |
Average earning assets | $124,883,800 | 3,863 |
Average equity | $15,738,400 | 3,718 |
Average total loans | $76,349,400 | 3,987 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0969% | 3,389 |
Cost of funding earning assets | 0.6680% | 1,335 |
Net interest margin | 3.4289% | 4,108 |
Noninterest income to average assets | 0.6607% | 2,519 |
Noninterest expense to average assets | 3.5699% | 1,348 |
Loan and lease loss provision to assets | 0.1106% | 2,201 |
Net operating income to assets | 0.1549% | 5,939 |
Return on assets (ROA) | 0.3228% | 5,590 |
Pretax return on assets | 0.3228% | 5,735 |
Return on Equity (ROE) | 2.7806% | 5,624 |
Retained earnings to average equity (ytd only) | 2.7806% | 4,622 |
Net charge-offs to loans | 0.1056% | 2,743 |
Credit loss provision to net charge-offs | 186.4407% | 1,345 |
Earnings coverage of net charge-offs (x) | 4.4748% | 3,447 |
Efficiency ratio | 90.7971% | 788 |
Assets per employee ($millions) | 3.6646% | 4,546 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1247% | 4,641 |
Loan loss allowance to noncurrent loans | 30.8011% | 5,702 |
Noncurrent assets plus other real estate owned to assets | 2.3903% | 1,133 |
Noncurrent loans to loans | 3.6514% | 636 |
Net loans and leases to total assets | 57.8350% | 4,097 |
Net loans and leases to deposits | 72.0803% | 3,678 |
Net loans and leases to core deposits | 90.9765% | 2,120 |
Total domestic deposits to total assets | 80.2369% | 5,037 |
Equity capital to assets | 12.0340% | 2,029 |
Core capital (leverage) ratio | 10.9292% | 2,559 |
Tier 1 risk-based capital ratio | 17.7034% | 2,315 |
Total risk-based capital ratio | 18.7855% | 2,342 |
Memoranda: | ||
Average total assets | $132,587,750 | 3,961 |
Average earning assets | $122,756,000 | 3,933 |
Average equity | $15,392,000 | 3,787 |
Average total loans | $74,509,000 | 4,064 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0587% | 3,510 |
Cost of funding earning assets | 0.6690% | 1,387 |
Net interest margin | 3.3897% | 4,220 |
Noninterest income to average assets | 0.6247% | 2,686 |
Noninterest expense to average assets | 3.6675% | 1,191 |
Loan and lease loss provision to assets | 0.1079% | 2,211 |
Net operating income to assets | -0.0243% | 6,202 |
Return on assets (ROA) | 0.1642% | 5,961 |
Pretax return on assets | 0.1642% | 5,999 |
Return on Equity (ROE) | 1.4320% | 5,961 |
Retained earnings to average equity (ytd only) | 1.4320% | 5,167 |
Net charge-offs to loans | 0.0247% | 3,704 |
Credit loss provision to net charge-offs | 788.8889% | 411 |
Earnings coverage of net charge-offs (x) | 6.1111% | 2,819 |
Efficiency ratio | 95.4214% | 587 |
Assets per employee ($millions) | 3.4394% | 4,975 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1931% | 4,456 |
Loan loss allowance to noncurrent loans | 27.4218% | 5,844 |
Noncurrent assets plus other real estate owned to assets | 2.7122% | 977 |
Noncurrent loans to loans | 4.3510% | 510 |
Net loans and leases to total assets | 55.7505% | 4,318 |
Net loans and leases to deposits | 69.2513% | 3,914 |
Net loans and leases to core deposits | 87.2835% | 2,385 |
Total domestic deposits to total assets | 80.5047% | 5,128 |
Equity capital to assets | 11.8135% | 2,141 |
Core capital (leverage) ratio | 10.9782% | 2,448 |
Tier 1 risk-based capital ratio | 17.7066% | 2,348 |
Total risk-based capital ratio | 18.8194% | 2,367 |
Memoranda: | ||
Average total assets | $131,586,670 | 4,000 |
Average earning assets | $121,368,000 | 3,979 |
Average equity | $15,083,670 | 3,840 |
Average total loans | $72,908,330 | 4,138 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0756% | 3,375 |
Cost of funding earning assets | 0.6715% | 1,431 |
Net interest margin | 3.4041% | 4,097 |
Noninterest income to average assets | 0.5341% | 3,154 |
Noninterest expense to average assets | 3.6343% | 1,243 |
Loan and lease loss provision to assets | 0.1228% | 1,960 |
Net operating income to assets | -0.0952% | 6,282 |
Return on assets (ROA) | 0.2486% | 5,710 |
Pretax return on assets | 0.2486% | 5,832 |
Return on Equity (ROE) | 2.2037% | 5,734 |
Retained earnings to average equity (ytd only) | 2.2037% | 4,723 |
Net charge-offs to loans | 0.0336% | 2,923 |
Credit loss provision to net charge-offs | 666.6667% | 422 |
Earnings coverage of net charge-offs (x) | 1.5000% | 3,082 |
Efficiency ratio | 96.8148% | 601 |
Assets per employee ($millions) | 3.1956% | 5,532 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2167% | 4,565 |
Loan loss allowance to noncurrent loans | 20.6905% | 6,064 |
Noncurrent assets plus other real estate owned to assets | 3.3583% | 784 |
Noncurrent loans to loans | 5.8805% | 311 |
Net loans and leases to total assets | 54.2215% | 4,384 |
Net loans and leases to deposits | 67.3681% | 3,926 |
Net loans and leases to core deposits | 85.4351% | 2,373 |
Total domestic deposits to total assets | 80.4854% | 5,389 |
Equity capital to assets | 11.6036% | 2,165 |
Core capital (leverage) ratio | 11.1014% | 2,300 |
Tier 1 risk-based capital ratio | 18.8131% | 2,026 |
Total risk-based capital ratio | 19.9627% | 2,013 |
Memoranda: | ||
Average total assets | $130,312,500 | 4,059 |
Average earning assets | $119,738,000 | 4,046 |
Average equity | $14,702,500 | 3,915 |
Average total loans | $71,520,500 | 4,218 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1289% | 3,626 |
Cost of funding earning assets | 0.6756% | 1,996 |
Net interest margin | 3.4533% | 4,083 |
Noninterest income to average assets | 1.3852% | 730 |
Noninterest expense to average assets | 4.2696% | 653 |
Loan and lease loss provision to assets | 0.0602% | 3,939 |
Net operating income to assets | 0.2336% | 5,738 |
Return on assets (ROA) | 0.3671% | 5,385 |
Pretax return on assets | 0.3671% | 5,567 |
Return on Equity (ROE) | 3.0635% | 5,479 |
Retained earnings to average equity (ytd only) | 3.0635% | 4,047 |
Net charge-offs to loans | 0.1318% | 3,490 |
Credit loss provision to net charge-offs | 88.0952% | 2,819 |
Earnings coverage of net charge-offs (x) | 4.2976% | 3,611 |
Efficiency ratio | 91.4928% | 909 |
Assets per employee ($millions) | 3.0141% | 5,811 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1824% | 4,746 |
Loan loss allowance to noncurrent loans | 43.0399% | 5,521 |
Noncurrent assets plus other real estate owned to assets | 1.6396% | 2,256 |
Noncurrent loans to loans | 2.7473% | 1,303 |
Net loans and leases to total assets | 54.2294% | 4,556 |
Net loans and leases to deposits | 66.9958% | 4,182 |
Net loans and leases to core deposits | 85.0793% | 2,554 |
Total domestic deposits to total assets | 80.9444% | 5,199 |
Equity capital to assets | 10.9579% | 2,654 |
Core capital (leverage) ratio | 11.2934% | 2,127 |
Tier 1 risk-based capital ratio | 18.2125% | 2,177 |
Total risk-based capital ratio | 19.2906% | 2,202 |
Memoranda: | ||
Average total assets | $122,869,200 | 4,217 |
Average earning assets | $113,081,600 | 4,199 |
Average equity | $14,721,800 | 3,914 |
Average total loans | $63,741,400 | 4,491 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1160% | 3,691 |
Cost of funding earning assets | 0.6693% | 2,180 |
Net interest margin | 3.4467% | 4,097 |
Noninterest income to average assets | 1.1816% | 1,051 |
Noninterest expense to average assets | 4.5109% | 513 |
Loan and lease loss provision to assets | 0.0715% | 3,634 |
Net operating income to assets | -0.2167% | 6,480 |
Return on assets (ROA) | -0.0363% | 6,368 |
Pretax return on assets | -0.0363% | 6,347 |
Return on Equity (ROE) | -0.2963% | 6,370 |
Retained earnings to average equity (ytd only) | -0.2963% | 6,002 |
Net charge-offs to loans | 0.0926% | 3,635 |
Credit loss provision to net charge-offs | 151.1628% | 1,558 |
Earnings coverage of net charge-offs (x) | -3.0699% | 5,106 |
Efficiency ratio | 101.1341% | 426 |
Assets per employee ($millions) | 2.8504% | 6,076 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3301% | 4,240 |
Loan loss allowance to noncurrent loans | 61.5656% | 4,761 |
Noncurrent assets plus other real estate owned to assets | 1.2096% | 3,225 |
Noncurrent loans to loans | 2.1605% | 2,050 |
Net loans and leases to total assets | 51.6365% | 4,920 |
Net loans and leases to deposits | 63.9135% | 4,528 |
Net loans and leases to core deposits | 81.9511% | 2,877 |
Total domestic deposits to total assets | 80.7913% | 5,273 |
Equity capital to assets | 10.9315% | 2,828 |
Core capital (leverage) ratio | 11.1579% | 2,335 |
Tier 1 risk-based capital ratio | 20.1998% | 1,684 |
Total risk-based capital ratio | 21.4497% | 1,661 |
Memoranda: | ||
Average total assets | $121,185,250 | 4,296 |
Average earning assets | $111,950,250 | 4,263 |
Average equity | $14,851,750 | 3,943 |
Average total loans | $61,895,500 | 4,586 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1184% | 3,664 |
Cost of funding earning assets | 0.6503% | 2,491 |
Net interest margin | 3.4682% | 3,932 |
Noninterest income to average assets | 1.3709% | 837 |
Noninterest expense to average assets | 4.5769% | 491 |
Loan and lease loss provision to assets | 0.1085% | 2,982 |
Net operating income to assets | -0.1085% | 6,412 |
Return on assets (ROA) | 0.1653% | 6,105 |
Pretax return on assets | 0.1653% | 6,136 |
Return on Equity (ROE) | 1.2999% | 6,145 |
Retained earnings to average equity (ytd only) | 1.2999% | 5,375 |
Net charge-offs to loans | 0.1385% | 2,995 |
Credit loss provision to net charge-offs | 154.7619% | 1,493 |
Earnings coverage of net charge-offs (x) | 0.0000% | 4,556 |
Efficiency ratio | 97.8840% | 573 |
Assets per employee ($millions) | 2.7365% | 6,240 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3457% | 4,288 |
Loan loss allowance to noncurrent loans | 98.3127% | 3,506 |
Noncurrent assets plus other real estate owned to assets | 0.7682% | 4,298 |
Noncurrent loans to loans | 1.3687% | 3,265 |
Net loans and leases to total assets | 49.8196% | 5,126 |
Net loans and leases to deposits | 61.5151% | 4,801 |
Net loans and leases to core deposits | 81.6463% | 2,834 |
Total domestic deposits to total assets | 80.9876% | 5,341 |
Equity capital to assets | 10.8968% | 2,852 |
Core capital (leverage) ratio | 11.4850% | 1,947 |
Tier 1 risk-based capital ratio | 20.2977% | 1,653 |
Total risk-based capital ratio | 21.5463% | 1,632 |
Memoranda: | ||
Average total assets | $119,774,670 | 4,357 |
Average earning assets | $110,721,330 | 4,318 |
Average equity | $15,232,330 | 3,904 |
Average total loans | $60,649,330 | 4,653 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0919% | 3,761 |
Cost of funding earning assets | 0.6362% | 2,773 |
Net interest margin | 3.4558% | 3,874 |
Noninterest income to average assets | 1.5361% | 650 |
Noninterest expense to average assets | 5.0488% | 355 |
Loan and lease loss provision to assets | 0.1040% | 2,943 |
Net operating income to assets | -0.4334% | 6,650 |
Return on assets (ROA) | 0.1352% | 6,176 |
Pretax return on assets | 0.1352% | 6,201 |
Return on Equity (ROE) | 0.9848% | 6,224 |
Retained earnings to average equity (ytd only) | 0.9848% | 5,452 |
Net charge-offs to loans | 0.1641% | 2,418 |
Credit loss provision to net charge-offs | 125.0000% | 1,549 |
Earnings coverage of net charge-offs (x) | -3.9583% | 4,057 |
Efficiency ratio | 104.8494% | 422 |
Assets per employee ($millions) | 2.5551% | 6,531 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4614% | 3,966 |
Loan loss allowance to noncurrent loans | 129.0663% | 2,710 |
Noncurrent assets plus other real estate owned to assets | 0.7186% | 4,575 |
Noncurrent loans to loans | 1.1323% | 3,890 |
Net loans and leases to total assets | 48.1177% | 5,211 |
Net loans and leases to deposits | 61.4479% | 4,625 |
Net loans and leases to core deposits | 76.2858% | 3,279 |
Total domestic deposits to total assets | 78.3065% | 6,070 |
Equity capital to assets | 12.9768% | 1,436 |
Core capital (leverage) ratio | 12.2773% | 1,429 |
Tier 1 risk-based capital ratio | 22.5096% | 1,236 |
Total risk-based capital ratio | 23.7607% | 1,223 |
Memoranda: | ||
Average total assets | $115,354,000 | 4,500 |
Average earning assets | $106,257,500 | 4,468 |
Average equity | $15,841,000 | 3,843 |
Average total loans | $58,499,000 | 4,757 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6015% | 2,999 |
Cost of funding earning assets | 0.6604% | 3,831 |
Net interest margin | 3.9410% | 2,647 |
Noninterest income to average assets | 1.6350% | 595 |
Noninterest expense to average assets | 5.1631% | 342 |
Loan and lease loss provision to assets | 0.5705% | 985 |
Net operating income to assets | -0.4625% | 6,547 |
Return on assets (ROA) | 0.1416% | 6,066 |
Pretax return on assets | 0.1416% | 6,082 |
Return on Equity (ROE) | 0.8574% | 6,159 |
Retained earnings to average equity (ytd only) | 0.8574% | 5,439 |
Net charge-offs to loans | 0.1832% | 3,915 |
Credit loss provision to net charge-offs | 597.8022% | 412 |
Earnings coverage of net charge-offs (x) | 1.1319% | 4,895 |
Efficiency ratio | 95.2447% | 738 |
Assets per employee ($millions) | 2.3045% | 6,771 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4583% | 3,907 |
Loan loss allowance to noncurrent loans | 60.4833% | 4,643 |
Noncurrent assets plus other real estate owned to assets | 1.4519% | 3,199 |
Noncurrent loans to loans | 2.4111% | 2,214 |
Net loans and leases to total assets | 51.9857% | 4,930 |
Net loans and leases to deposits | 68.5841% | 3,895 |
Net loans and leases to core deposits | 81.4980% | 2,819 |
Total domestic deposits to total assets | 75.7985% | 6,380 |
Equity capital to assets | 14.5529% | 854 |
Core capital (leverage) ratio | 13.6657% | 899 |
Tier 1 risk-based capital ratio | 23.1211% | 1,097 |
Total risk-based capital ratio | 24.3724% | 1,081 |
Memoranda: | ||
Average total assets | $95,350,200 | 4,954 |
Average earning assets | $87,972,200 | 4,916 |
Average equity | $15,745,000 | 3,819 |
Average total loans | $49,684,200 | 5,122 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4995% | 3,640 |
Cost of funding earning assets | 0.6578% | 4,122 |
Net interest margin | 3.8417% | 3,151 |
Noninterest income to average assets | 1.2789% | 906 |
Noninterest expense to average assets | 5.0894% | 347 |
Loan and lease loss provision to assets | 0.2870% | 2,275 |
Net operating income to assets | -0.5419% | 6,717 |
Return on assets (ROA) | 0.1078% | 6,256 |
Pretax return on assets | 0.1078% | 6,263 |
Return on Equity (ROE) | 0.6301% | 6,324 |
Retained earnings to average equity (ytd only) | 0.6301% | 5,906 |
Net charge-offs to loans | 0.2441% | 3,256 |
Credit loss provision to net charge-offs | 226.4368% | 1,220 |
Earnings coverage of net charge-offs (x) | -2.0115% | 5,651 |
Efficiency ratio | 102.6514% | 457 |
Assets per employee ($millions) | 2.3434% | 6,829 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9675% | 6,199 |
Loan loss allowance to noncurrent loans | 32.0303% | 6,040 |
Noncurrent assets plus other real estate owned to assets | 1.8558% | 2,853 |
Noncurrent loans to loans | 3.0207% | 1,844 |
Net loans and leases to total assets | 51.6012% | 5,104 |
Net loans and leases to deposits | 65.8657% | 4,485 |
Net loans and leases to core deposits | 79.5061% | 3,269 |
Total domestic deposits to total assets | 78.3431% | 6,007 |
Equity capital to assets | 16.0400% | 598 |
Core capital (leverage) ratio | 14.5025% | 707 |
Tier 1 risk-based capital ratio | 25.9160% | 831 |
Total risk-based capital ratio | 26.8380% | 846 |
Memoranda: | ||
Average total assets | $91,533,500 | 5,086 |
Average earning assets | $84,718,500 | 5,051 |
Average equity | $15,656,750 | 3,870 |
Average total loans | $47,516,250 | 5,252 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4802% | 3,853 |
Cost of funding earning assets | 0.6303% | 4,621 |
Net interest margin | 3.8499% | 3,137 |
Noninterest income to average assets | 0.7597% | 2,374 |
Noninterest expense to average assets | 5.1393% | 339 |
Loan and lease loss provision to assets | 0.3640% | 1,816 |
Net operating income to assets | -1.1803% | 6,953 |
Return on assets (ROA) | -0.4703% | 6,761 |
Pretax return on assets | -0.4703% | 6,732 |
Return on Equity (ROE) | -2.6860% | 6,656 |
Retained earnings to average equity (ytd only) | -2.6860% | 6,427 |
Net charge-offs to loans | 0.1832% | 3,491 |
Credit loss provision to net charge-offs | 383.3333% | 779 |
Earnings coverage of net charge-offs (x) | -8.5952% | 5,462 |
Efficiency ratio | 115.8473% | 259 |
Assets per employee ($millions) | 2.5858% | 6,671 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0115% | 6,111 |
Loan loss allowance to noncurrent loans | 28.5793% | 6,208 |
Noncurrent assets plus other real estate owned to assets | 2.2304% | 2,511 |
Noncurrent loans to loans | 3.5391% | 1,620 |
Net loans and leases to total assets | 52.8837% | 4,977 |
Net loans and leases to deposits | 65.5325% | 4,567 |
Net loans and leases to core deposits | 77.6969% | 3,563 |
Total domestic deposits to total assets | 80.6984% | 5,559 |
Equity capital to assets | 16.1869% | 544 |
Core capital (leverage) ratio | 15.5512% | 518 |
Tier 1 risk-based capital ratio | 27.3629% | 695 |
Total risk-based capital ratio | 28.3647% | 699 |
Memoranda: | ||
Average total assets | $88,455,670 | 5,211 |
Average earning assets | $81,872,000 | 5,156 |
Average equity | $15,488,000 | 3,893 |
Average total loans | $45,853,330 | 5,347 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3297% | 4,614 |
Cost of funding earning assets | 0.6134% | 5,022 |
Net interest margin | 3.7162% | 3,756 |
Noninterest income to average assets | 0.7732% | 2,285 |
Noninterest expense to average assets | 5.3698% | 286 |
Loan and lease loss provision to assets | 0.0754% | 4,454 |
Net operating income to assets | -1.2446% | 7,038 |
Return on assets (ROA) | -0.3394% | 6,768 |
Pretax return on assets | -0.3394% | 6,751 |
Return on Equity (ROE) | -1.8594% | 6,674 |
Retained earnings to average equity (ytd only) | -1.8594% | 6,261 |
Net charge-offs to loans | 0.0278% | 4,299 |
Credit loss provision to net charge-offs | 533.3333% | 627 |
Earnings coverage of net charge-offs (x) | -82.6667% | 4,717 |
Efficiency ratio | 124.5791% | 186 |
Assets per employee ($millions) | 2.2201% | 7,032 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9234% | 6,485 |
Loan loss allowance to noncurrent loans | 21.7922% | 6,498 |
Noncurrent assets plus other real estate owned to assets | 2.4473% | 2,412 |
Noncurrent loans to loans | 4.2374% | 1,418 |
Net loans and leases to total assets | 50.9297% | 5,172 |
Net loans and leases to deposits | 62.3746% | 4,865 |
Net loans and leases to core deposits | 64.2654% | 5,080 |
Total domestic deposits to total assets | 81.6513% | 5,408 |
Equity capital to assets | 17.8428% | 347 |
Core capital (leverage) ratio | 16.6813% | 393 |
Tier 1 risk-based capital ratio | 31.5841% | 455 |
Total risk-based capital ratio | 32.4964% | 466 |
Memoranda: | ||
Average total assets | $84,845,500 | 5,347 |
Average earning assets | $78,251,000 | 5,296 |
Average equity | $15,488,500 | 3,893 |
Average total loans | $43,223,000 | 5,497 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9881% | 2,931 |
Cost of funding earning assets | 0.7914% | 4,926 |
Net interest margin | 4.1967% | 2,069 |
Noninterest income to average assets | 0.4627% | 4,111 |
Noninterest expense to average assets | 4.1245% | 886 |
Loan and lease loss provision to assets | 0.1680% | 4,540 |
Net operating income to assets | 0.0138% | 6,010 |
Return on assets (ROA) | 0.7925% | 3,234 |
Pretax return on assets | 0.7925% | 4,008 |
Return on Equity (ROE) | 4.7308% | 4,515 |
Retained earnings to average equity (ytd only) | 4.7308% | 2,831 |
Net charge-offs to loans | 0.3176% | 3,804 |
Credit loss provision to net charge-offs | 99.2593% | 3,604 |
Earnings coverage of net charge-offs (x) | 1.0741% | 4,982 |
Efficiency ratio | 92.3995% | 1,021 |
Assets per employee ($millions) | 2.1309% | 7,106 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9490% | 6,403 |
Loan loss allowance to noncurrent loans | 20.9143% | 6,585 |
Noncurrent assets plus other real estate owned to assets | 2.5136% | 2,418 |
Noncurrent loans to loans | 4.5377% | 1,314 |
Net loans and leases to total assets | 49.9838% | 5,583 |
Net loans and leases to deposits | 61.8772% | 5,264 |
Net loans and leases to core deposits | 63.3637% | 5,530 |
Total domestic deposits to total assets | 80.7790% | 5,517 |
Equity capital to assets | 18.6843% | 298 |
Core capital (leverage) ratio | 18.0998% | 291 |
Tier 1 risk-based capital ratio | 32.0733% | 423 |
Total risk-based capital ratio | 32.9677% | 428 |
Memoranda: | ||
Average total assets | $79,743,600 | 5,463 |
Average earning assets | $73,033,600 | 5,441 |
Average equity | $13,359,200 | 4,265 |
Average total loans | $42,510,200 | 5,578 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1019% | 2,601 |
Cost of funding earning assets | 0.8408% | 4,847 |
Net interest margin | 4.2611% | 1,867 |
Noninterest income to average assets | 0.4850% | 4,000 |
Noninterest expense to average assets | 3.9913% | 1,011 |
Loan and lease loss provision to assets | 0.1673% | 4,382 |
Net operating income to assets | 0.2315% | 5,613 |
Return on assets (ROA) | 0.2315% | 5,752 |
Pretax return on assets | 0.2315% | 5,840 |
Return on Equity (ROE) | 1.4251% | 5,971 |
Retained earnings to average equity (ytd only) | 1.4251% | 5,439 |
Net charge-offs to loans | 0.1250% | 4,790 |
Credit loss provision to net charge-offs | 247.5000% | 1,159 |
Earnings coverage of net charge-offs (x) | 5.9002% | 2,672 |
Efficiency ratio | 87.5674% | 1,380 |
Assets per employee ($millions) | 2.4017% | 6,985 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0712% | 5,987 |
Loan loss allowance to noncurrent loans | 23.3198% | 6,564 |
Noncurrent assets plus other real estate owned to assets | 2.5096% | 2,574 |
Noncurrent loans to loans | 4.5935% | 1,408 |
Net loans and leases to total assets | 53.3688% | 5,266 |
Net loans and leases to deposits | 66.7224% | 4,796 |
Net loans and leases to core deposits | 68.0864% | 5,170 |
Total domestic deposits to total assets | 79.9864% | 5,741 |
Equity capital to assets | 19.3537% | 291 |
Core capital (leverage) ratio | 17.2779% | 372 |
Tier 1 risk-based capital ratio | 30.6187% | 508 |
Total risk-based capital ratio | 31.6392% | 508 |
Memoranda: | ||
Average total assets | $78,902,750 | 5,530 |
Average earning assets | $72,311,250 | 5,506 |
Average equity | $12,817,000 | 4,378 |
Average total loans | $42,653,250 | 5,621 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2786% | 1,955 |
Cost of funding earning assets | 0.8890% | 4,763 |
Net interest margin | 4.3895% | 1,399 |
Noninterest income to average assets | 0.4696% | 4,112 |
Noninterest expense to average assets | 3.9728% | 1,092 |
Loan and lease loss provision to assets | 0.2488% | 3,419 |
Net operating income to assets | 0.2589% | 5,522 |
Return on assets (ROA) | 0.2589% | 5,647 |
Pretax return on assets | 0.2589% | 5,779 |
Return on Equity (ROE) | 1.7034% | 5,887 |
Retained earnings to average equity (ytd only) | 1.7034% | 5,141 |
Net charge-offs to loans | 0.0047% | 5,810 |
Credit loss provision to net charge-offs | 9,800.0000% | 29 |
Earnings coverage of net charge-offs (x) | 200.0000% | 186 |
Efficiency ratio | 85.3824% | 1,664 |
Assets per employee ($millions) | 2.7547% | 6,549 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1323% | 5,818 |
Loan loss allowance to noncurrent loans | 22.1132% | 6,644 |
Noncurrent assets plus other real estate owned to assets | 2.9017% | 2,316 |
Noncurrent loans to loans | 5.1204% | 1,264 |
Net loans and leases to total assets | 54.2142% | 5,265 |
Net loans and leases to deposits | 67.1197% | 4,833 |
Net loans and leases to core deposits | 69.2944% | 5,150 |
Total domestic deposits to total assets | 80.7724% | 5,603 |
Equity capital to assets | 18.7244% | 333 |
Core capital (leverage) ratio | 17.2439% | 385 |
Tier 1 risk-based capital ratio | 29.6931% | 554 |
Total risk-based capital ratio | 30.7711% | 543 |
Memoranda: | ||
Average total assets | $78,785,000 | 5,581 |
Average earning assets | $71,989,330 | 5,557 |
Average equity | $11,976,330 | 4,565 |
Average total loans | $42,619,000 | 5,674 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3173% | 1,815 |
Cost of funding earning assets | 0.9350% | 4,688 |
Net interest margin | 4.3823% | 1,333 |
Noninterest income to average assets | 0.4704% | 4,115 |
Noninterest expense to average assets | 3.9113% | 1,159 |
Loan and lease loss provision to assets | 0.3068% | 2,713 |
Net operating income to assets | 0.2301% | 5,680 |
Return on assets (ROA) | 0.2301% | 5,745 |
Pretax return on assets | 0.2301% | 5,867 |
Return on Equity (ROE) | 1.7167% | 5,902 |
Retained earnings to average equity (ytd only) | 1.7167% | 5,092 |
Net charge-offs to loans | -0.0190% | 6,552 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.5977% | 1,886 |
Assets per employee ($millions) | 2.2726% | 7,200 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0555% | 6,201 |
Loan loss allowance to noncurrent loans | 32.1254% | 6,165 |
Noncurrent assets plus other real estate owned to assets | 2.2971% | 2,951 |
Noncurrent loans to loans | 3.2856% | 2,290 |
Net loans and leases to total assets | 55.9260% | 5,003 |
Net loans and leases to deposits | 64.8917% | 5,146 |
Net loans and leases to core deposits | 66.9891% | 5,402 |
Total domestic deposits to total assets | 86.1835% | 3,414 |
Equity capital to assets | 13.6340% | 1,131 |
Core capital (leverage) ratio | 12.0942% | 1,511 |
Tier 1 risk-based capital ratio | 21.0369% | 1,388 |
Total risk-based capital ratio | 22.0509% | 1,410 |
Memoranda: | ||
Average total assets | $78,235,000 | 5,638 |
Average earning assets | $71,013,000 | 5,629 |
Average equity | $10,485,500 | 4,922 |
Average total loans | $42,026,000 | 5,755 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7164% | 1,510 |
Cost of funding earning assets | 1.2319% | 4,344 |
Net interest margin | 4.4845% | 1,261 |
Noninterest income to average assets | 0.5672% | 3,698 |
Noninterest expense to average assets | 4.8469% | 475 |
Loan and lease loss provision to assets | 1.0505% | 1,535 |
Net operating income to assets | -1.6022% | 6,941 |
Return on assets (ROA) | -1.6022% | 6,963 |
Pretax return on assets | -1.6022% | 6,893 |
Return on Equity (ROE) | -11.3307% | 6,783 |
Retained earnings to average equity (ytd only) | -11.3307% | 6,726 |
Net charge-offs to loans | 0.9466% | 2,289 |
Credit loss provision to net charge-offs | 213.2492% | 1,428 |
Earnings coverage of net charge-offs (x) | -1.1199% | 6,630 |
Efficiency ratio | 101.3748% | 736 |
Assets per employee ($millions) | 2.3294% | 7,191 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9882% | 6,435 |
Loan loss allowance to noncurrent loans | 26.1297% | 6,529 |
Noncurrent assets plus other real estate owned to assets | 2.3598% | 2,909 |
Noncurrent loans to loans | 3.7819% | 1,956 |
Net loans and leases to total assets | 50.4773% | 6,122 |
Net loans and leases to deposits | 58.2838% | 6,228 |
Net loans and leases to core deposits | 60.1001% | 6,385 |
Total domestic deposits to total assets | 86.6061% | 3,028 |
Equity capital to assets | 13.1768% | 1,308 |
Core capital (leverage) ratio | 12.3513% | 1,373 |
Tier 1 risk-based capital ratio | 21.6479% | 1,225 |
Total risk-based capital ratio | 22.5581% | 1,252 |
Memoranda: | ||
Average total assets | $64,351,000 | 6,055 |
Average earning assets | $53,495,400 | 6,235 |
Average equity | $9,099,200 | 5,394 |
Average total loans | $33,487,600 | 6,231 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0099% | 913 |
Cost of funding earning assets | 1.2857% | 4,322 |
Net interest margin | 4.7242% | 796 |
Noninterest income to average assets | 0.5211% | 4,022 |
Noninterest expense to average assets | 4.6350% | 511 |
Loan and lease loss provision to assets | 1.1060% | 1,314 |
Net operating income to assets | -1.3984% | 7,074 |
Return on assets (ROA) | -1.3984% | 7,095 |
Pretax return on assets | -1.3984% | 7,013 |
Return on Equity (ROE) | -9.6746% | 6,916 |
Retained earnings to average equity (ytd only) | -9.6746% | 6,863 |
Net charge-offs to loans | 0.0546% | 5,976 |
Credit loss provision to net charge-offs | 3,869.2308% | 77 |
Earnings coverage of net charge-offs (x) | -10.2325% | 6,624 |
Efficiency ratio | 102.7848% | 661 |
Assets per employee ($millions) | 2.0939% | 7,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4074% | 4,422 |
Loan loss allowance to noncurrent loans | 31.6607% | 6,230 |
Noncurrent assets plus other real estate owned to assets | 2.6108% | 2,769 |
Noncurrent loans to loans | 4.4453% | 1,631 |
Net loans and leases to total assets | 49.2551% | 6,400 |
Net loans and leases to deposits | 58.2090% | 6,445 |
Net loans and leases to core deposits | 60.1546% | 6,586 |
Total domestic deposits to total assets | 84.6177% | 3,821 |
Equity capital to assets | 14.8556% | 932 |
Core capital (leverage) ratio | 14.0660% | 906 |
Tier 1 risk-based capital ratio | 24.0133% | 944 |
Total risk-based capital ratio | 25.2641% | 919 |
Memoranda: | ||
Average total assets | $60,638,750 | 6,243 |
Average earning assets | $49,051,250 | 6,470 |
Average equity | $8,765,000 | 5,564 |
Average total loans | $31,765,250 | 6,407 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4892% | 2,570 |
Cost of funding earning assets | 1.2483% | 4,841 |
Net interest margin | 4.2409% | 2,015 |
Noninterest income to average assets | 0.5563% | 3,656 |
Noninterest expense to average assets | 4.6370% | 503 |
Loan and lease loss provision to assets | 0.1687% | 5,191 |
Net operating income to assets | -0.7501% | 6,836 |
Return on assets (ROA) | -0.7501% | 6,851 |
Pretax return on assets | -0.7501% | 6,755 |
Return on Equity (ROE) | -5.2552% | 6,717 |
Retained earnings to average equity (ytd only) | -5.2552% | 6,583 |
Net charge-offs to loans | -0.0268% | 7,330 |
Credit loss provision to net charge-offs | -1,175.0000% | 6,918 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 109.7345% | 550 |
Assets per employee ($millions) | 2.1987% | 7,431 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2863% | 7,668 |
Loan loss allowance to noncurrent loans | 5.8221% | 7,303 |
Noncurrent assets plus other real estate owned to assets | 2.4513% | 2,935 |
Noncurrent loans to loans | 4.9180% | 1,411 |
Net loans and leases to total assets | 49.7012% | 6,461 |
Net loans and leases to deposits | 60.6937% | 6,340 |
Net loans and leases to core deposits | 63.1049% | 6,474 |
Total domestic deposits to total assets | 81.8886% | 5,035 |
Equity capital to assets | 17.9310% | 423 |
Core capital (leverage) ratio | 18.5283% | 325 |
Tier 1 risk-based capital ratio | 30.3132% | 494 |
Total risk-based capital ratio | 30.5813% | 531 |
Memoranda: | ||
Average total assets | $55,725,330 | 6,468 |
Average earning assets | $45,981,000 | 6,636 |
Average equity | $7,954,000 | 5,823 |
Average total loans | $29,801,000 | 6,540 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6233% | 2,059 |
Cost of funding earning assets | 1.2620% | 5,052 |
Net interest margin | 4.3613% | 1,503 |
Noninterest income to average assets | 0.4564% | 4,411 |
Noninterest expense to average assets | 4.9122% | 391 |
Loan and lease loss provision to assets | 0.2862% | 3,739 |
Net operating income to assets | -1.1062% | 7,168 |
Return on assets (ROA) | -1.1062% | 7,184 |
Pretax return on assets | -1.1062% | 7,102 |
Return on Equity (ROE) | -9.2043% | 7,105 |
Retained earnings to average equity (ytd only) | -9.2043% | 6,910 |
Net charge-offs to loans | 0.1388% | 4,107 |
Credit loss provision to net charge-offs | 370.0000% | 1,103 |
Earnings coverage of net charge-offs (x) | -10.6000% | 5,562 |
Efficiency ratio | 115.1229% | 512 |
Assets per employee ($millions) | 1.9504% | 7,688 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2244% | 7,803 |
Loan loss allowance to noncurrent loans | 5.9083% | 7,375 |
Noncurrent assets plus other real estate owned to assets | 2.1497% | 3,328 |
Noncurrent loans to loans | 3.7980% | 2,081 |
Net loans and leases to total assets | 54.5503% | 5,950 |
Net loans and leases to deposits | 61.6829% | 6,305 |
Net loans and leases to core deposits | 63.9841% | 6,455 |
Total domestic deposits to total assets | 88.4366% | 1,830 |
Equity capital to assets | 11.3748% | 2,447 |
Core capital (leverage) ratio | 10.6229% | 2,520 |
Tier 1 risk-based capital ratio | 17.4431% | 2,097 |
Total risk-based capital ratio | 17.6625% | 2,440 |
Memoranda: | ||
Average total assets | $51,707,500 | 6,673 |
Average earning assets | $43,106,000 | 6,816 |
Average equity | $6,214,500 | 6,446 |
Average total loans | $28,811,000 | 6,668 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8993% | 7,889 |
Cost of funding earning assets | 0.7196% | 7,662 |
Net interest margin | 2.1798% | 7,654 |
Noninterest income to average assets | 2.1553% | 341 |
Noninterest expense to average assets | 2.5644% | 5,913 |
Loan and lease loss provision to assets | 0.0914% | 6,689 |
Net operating income to assets | 1.3896% | 868 |
Return on assets (ROA) | 1.3850% | 931 |
Pretax return on assets | 1.3850% | 1,470 |
Return on Equity (ROE) | 12.0597% | 1,146 |
Retained earnings to average equity (ytd only) | 12.0597% | 203 |
Net charge-offs to loans | 0.0155% | 7,002 |
Credit loss provision to net charge-offs | 1,000.0000% | 291 |
Earnings coverage of net charge-offs (x) | 162.0000% | 181 |
Efficiency ratio | 63.3898% | 5,892 |
Assets per employee ($millions) | 1.8075% | 7,820 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1441% | 7,899 |
Loan loss allowance to noncurrent loans | 3.7771% | 7,431 |
Noncurrent assets plus other real estate owned to assets | 2.1699% | 3,169 |
Noncurrent loans to loans | 3.8143% | 1,959 |
Net loans and leases to total assets | 56.8080% | 5,853 |
Net loans and leases to deposits | 65.2759% | 6,136 |
Net loans and leases to core deposits | 70.9163% | 6,712 |
Total domestic deposits to total assets | 87.0274% | 2,492 |
Equity capital to assets | 12.7390% | 1,621 |
Core capital (leverage) ratio | 12.1351% | 1,608 |
Tier 1 risk-based capital ratio | 19.9846% | 1,466 |
Total risk-based capital ratio | 20.1314% | 1,644 |
Memoranda: | ||
Average total assets | $43,753,400 | 6,954 |
Average earning assets | $37,939,600 | 7,017 |
Average equity | $5,025,000 | 6,931 |
Average total loans | $25,797,200 | 6,866 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8914% | 8,034 |
Cost of funding earning assets | 0.4738% | 7,956 |
Net interest margin | 1.4177% | 7,964 |
Noninterest income to average assets | 2.2624% | 308 |
Noninterest expense to average assets | 1.6662% | 7,788 |
Loan and lease loss provision to assets | 0.0471% | 6,897 |
Net operating income to assets | 1.7886% | 457 |
Return on assets (ROA) | 1.7823% | 494 |
Pretax return on assets | 1.7823% | 833 |
Return on Equity (ROE) | 16.0209% | 653 |
Retained earnings to average equity (ytd only) | 16.0209% | 126 |
Net charge-offs to loans | 0.0158% | 6,698 |
Credit loss provision to net charge-offs | 500.0000% | 781 |
Earnings coverage of net charge-offs (x) | 194.9950% | 201 |
Efficiency ratio | 47.5806% | 7,680 |
Assets per employee ($millions) | 1.7943% | 7,899 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0617% | 8,013 |
Loan loss allowance to noncurrent loans | 1.5549% | 7,523 |
Noncurrent assets plus other real estate owned to assets | 2.2939% | 2,984 |
Noncurrent loans to loans | 3.9691% | 1,853 |
Net loans and leases to total assets | 57.7578% | 5,920 |
Net loans and leases to deposits | 65.6439% | 6,341 |
Net loans and leases to core deposits | 70.3094% | 6,953 |
Total domestic deposits to total assets | 87.9865% | 1,661 |
Equity capital to assets | 11.7883% | 2,363 |
Core capital (leverage) ratio | 10.0874% | 3,192 |
Tier 1 risk-based capital ratio | 17.0302% | 2,267 |
Total risk-based capital ratio | 17.0947% | 2,622 |
Memoranda: | ||
Average total assets | $42,491,000 | 7,055 |
Average earning assets | $37,149,000 | 7,109 |
Average equity | $4,727,000 | 7,101 |
Average total loans | $25,305,500 | 6,952 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0000% | 8,193 |
Cost of funding earning assets | 0.0000% | 8,178 |
Net interest margin | 0.0000% | 8,180 |
Noninterest income to average assets | 2.9255% | 222 |
Noninterest expense to average assets | 0.0000% | 8,193 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 2.9255% | 66 |
Return on assets (ROA) | 2.9255% | 75 |
Pretax return on assets | 2.9255% | 112 |
Return on Equity (ROE) | 26.8722% | 107 |
Retained earnings to average equity (ytd only) | 26.8722% | 39 |
Net charge-offs to loans | 0.0319% | 6,013 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 152.5000% | 266 |
Efficiency ratio | 0.0000% | 8,169 |
Assets per employee ($millions) | 2.0436% | 7,824 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 8,113 |
Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
Noncurrent assets plus other real estate owned to assets | 2.3977% | 2,705 |
Noncurrent loans to loans | 4.2094% | 1,570 |
Net loans and leases to total assets | 56.9601% | 6,090 |
Net loans and leases to deposits | 65.1554% | 6,466 |
Net loans and leases to core deposits | 68.2383% | 7,106 |
Total domestic deposits to total assets | 87.4219% | 2,046 |
Equity capital to assets | 12.2984% | 2,028 |
Core capital (leverage) ratio | 10.6404% | 2,706 |
Tier 1 risk-based capital ratio | 18.4524% | 1,886 |
Total risk-based capital ratio | 18.4524% | 2,174 |
Memoranda: | ||
Average total assets | $41,702,000 | 7,146 |
Average earning assets | $37,175,330 | 7,169 |
Average equity | $4,540,000 | 7,230 |
Average total loans | $25,099,000 | 7,022 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7833% | 3,388 |
Cost of funding earning assets | 1.5299% | 6,309 |
Net interest margin | 4.2534% | 1,735 |
Noninterest income to average assets | 0.8858% | 1,906 |
Noninterest expense to average assets | 4.7694% | 566 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | -0.0681% | 6,355 |
Return on assets (ROA) | -0.0681% | 6,477 |
Pretax return on assets | -0.0681% | 6,451 |
Return on Equity (ROE) | -0.6713% | 6,491 |
Retained earnings to average equity (ytd only) | -0.6713% | 5,805 |
Net charge-offs to loans | 0.0629% | 4,574 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | -1.7500% | 5,454 |
Efficiency ratio | 101.4493% | 1,067 |
Assets per employee ($millions) | 1.8477% | 7,997 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9150% | 1,588 |
Loan loss allowance to noncurrent loans | 46.7695% | 5,393 |
Noncurrent assets plus other real estate owned to assets | 2.5511% | 2,251 |
Noncurrent loans to loans | 4.0944% | 1,463 |
Net loans and leases to total assets | 61.1134% | 5,484 |
Net loans and leases to deposits | 68.4843% | 6,133 |
Net loans and leases to core deposits | 71.3277% | 6,942 |
Total domestic deposits to total assets | 89.2371% | 1,125 |
Equity capital to assets | 10.2536% | 3,707 |
Core capital (leverage) ratio | 9.1271% | 4,507 |
Tier 1 risk-based capital ratio | 15.9951% | 2,690 |
Total risk-based capital ratio | 17.2546% | 2,626 |
Memoranda: | ||
Average total assets | $41,095,000 | 7,199 |
Average earning assets | $36,864,500 | 7,222 |
Average equity | $4,171,000 | 7,391 |
Average total loans | $25,426,000 | 7,034 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5466% | 2,735 |
Cost of funding earning assets | 1.9416% | 6,611 |
Net interest margin | 4.6050% | 1,163 |
Noninterest income to average assets | 0.8426% | 2,281 |
Noninterest expense to average assets | 4.9426% | 640 |
Loan and lease loss provision to assets | 0.0565% | 6,706 |
Net operating income to assets | -0.0424% | 6,431 |
Return on assets (ROA) | -0.0424% | 6,281 |
Pretax return on assets | -0.0424% | 6,202 |
Return on Equity (ROE) | -0.4313% | 6,289 |
Retained earnings to average equity (ytd only) | -0.4313% | 5,418 |
Net charge-offs to loans | 0.1646% | 4,556 |
Credit loss provision to net charge-offs | 54.5455% | 6,298 |
Earnings coverage of net charge-offs (x) | 0.1364% | 6,165 |
Efficiency ratio | 99.7151% | 996 |
Assets per employee ($millions) | 1.8882% | 7,994 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9158% | 1,385 |
Loan loss allowance to noncurrent loans | 54.5151% | 5,247 |
Noncurrent assets plus other real estate owned to assets | 2.1593% | 2,268 |
Noncurrent loans to loans | 3.5142% | 1,441 |
Net loans and leases to total assets | 60.2682% | 5,876 |
Net loans and leases to deposits | 67.4025% | 6,514 |
Net loans and leases to core deposits | 70.4485% | 7,165 |
Total domestic deposits to total assets | 89.4153% | 875 |
Equity capital to assets | 10.0479% | 3,977 |
Core capital (leverage) ratio | 9.0867% | 4,613 |
Tier 1 risk-based capital ratio | 15.7992% | 2,742 |
Total risk-based capital ratio | 17.0574% | 2,681 |
Memoranda: | ||
Average total assets | $42,487,400 | 7,105 |
Average earning assets | $37,958,600 | 7,141 |
Average equity | $4,173,600 | 7,441 |
Average total loans | $26,730,200 | 6,919 |