Home > Home Loan State Bank > Performance and Condition Ratios
Home Loan State Bank, Performance and Condition Ratios
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 | 5.1504% | 2,764 |
Cost of funding earning assets | 1.8267% | 2,638 |
Net interest margin | 3.3237% | 2,400 |
Noninterest income to average assets | 0.2100% | 3,632 |
Noninterest expense to average assets | 2.5002% | 2,244 |
Loan and lease loss provision to assets | 0.5200% | 169 |
Net operating income to assets | 0.4257% | 3,633 |
Return on assets (ROA) | 0.4257% | 3,670 |
Pretax return on assets | 0.1789% | 4,074 |
Return on Equity (ROE) | 6.6900% | 3,120 |
Retained earnings to average equity (ytd only) | 5.5354% | 2,263 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 78.0274% | 1,224 |
Assets per employee ($millions) | 7.4875% | 1,815 |
Cash dividends to net income (ytd only)* | 17.2303% | 2,630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8639% | 490 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
Noncurrent loans to loans | 0.0000% | 3,830 |
Net loans and leases to total assets | 41.6700% | 3,976 |
Net loans and leases to deposits | 45.4343% | 4,075 |
Net loans and leases to core deposits | 45.9623% | 4,126 |
Total domestic deposits to total assets | 91.7200% | 223 |
Equity capital to assets | 6.8450% | 4,164 |
Core capital (leverage) ratio | 9.0185% | 3,734 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.7262% | 1,146 |
Memoranda: | ||
Average total assets | $194,487,250 | 3,031 |
Average earning assets | $175,465,000 | 3,060 |
Average equity | $12,380,500 | 3,579 |
Average total loans | $83,281,000 | 3,392 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 2 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1338% | 2,690 |
Cost of funding earning assets | 1.8102% | 2,591 |
Net interest margin | 3.3237% | 2,360 |
Noninterest income to average assets | 0.2200% | 3,548 |
Noninterest expense to average assets | 2.5707% | 2,032 |
Loan and lease loss provision to assets | 0.8000% | 93 |
Net operating income to assets | -0.0719% | 4,293 |
Return on assets (ROA) | -0.0719% | 4,319 |
Pretax return on assets | -0.1615% | 4,337 |
Return on Equity (ROE) | -1.1600% | 4,318 |
Retained earnings to average equity (ytd only) | -2.3540% | 4,166 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 80.1494% | 1,112 |
Assets per employee ($millions) | 6.7871% | 2,211 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8947% | 480 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 43.5900% | 3,926 |
Net loans and leases to deposits | 47.2846% | 4,037 |
Net loans and leases to core deposits | 47.8640% | 4,097 |
Total domestic deposits to total assets | 92.1900% | 243 |
Equity capital to assets | 6.1077% | 4,192 |
Core capital (leverage) ratio | 8.6808% | 3,983 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.6918% | 1,138 |
Memoranda: | ||
Average total assets | $191,929,000 | 3,046 |
Average earning assets | $172,581,000 | 3,086 |
Average equity | $11,894,667 | 3,602 |
Average total loans | $82,427,333 | 3,407 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8788% | 3,020 |
Cost of funding earning assets | 1.7517% | 2,634 |
Net interest margin | 3.1272% | 2,723 |
Noninterest income to average assets | 0.2400% | 3,362 |
Noninterest expense to average assets | 2.2751% | 2,872 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 0.6512% | 3,006 |
Return on assets (ROA) | 0.6512% | 3,033 |
Pretax return on assets | 0.7798% | 2,973 |
Return on Equity (ROE) | 10.4300% | 2,001 |
Retained earnings to average equity (ytd only) | 9.2370% | 1,266 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 74.4739% | 1,695 |
Assets per employee ($millions) | 7.8748% | 1,526 |
Cash dividends to net income (ytd only)* | 11.4650% | 2,134 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0195% | 3,199 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,819 |
Noncurrent loans to loans | 0.0000% | 3,844 |
Net loans and leases to total assets | 42.8400% | 3,931 |
Net loans and leases to deposits | 46.6594% | 4,024 |
Net loans and leases to core deposits | 47.0064% | 4,139 |
Total domestic deposits to total assets | 91.8200% | 362 |
Equity capital to assets | 6.3547% | 4,118 |
Core capital (leverage) ratio | 9.2153% | 3,483 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.3715% | 1,199 |
Memoranda: | ||
Average total assets | $192,874,000 | 3,046 |
Average earning assets | $173,320,000 | 3,086 |
Average equity | $12,038,500 | 3,600 |
Average total loans | $81,419,000 | 3,422 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7652% | 2,545 |
Cost of funding earning assets | 1.2184% | 2,755 |
Net interest margin | 3.5468% | 2,077 |
Noninterest income to average assets | 0.1800% | 3,888 |
Noninterest expense to average assets | 2.2084% | 3,096 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.9485% | 2,371 |
Return on assets (ROA) | 0.9501% | 2,357 |
Pretax return on assets | 1.1993% | 2,144 |
Return on Equity (ROE) | 18.2700% | 784 |
Retained earnings to average equity (ytd only) | 16.8857% | 226 |
Net charge-offs to loans | 0.0013% | 2,807 |
Credit loss provision to net charge-offs | 300.0000% | 959 |
Earnings coverage of net charge-offs (x) | 2,396.0000% | 63 |
Efficiency ratio | 64.8164% | 2,508 |
Assets per employee ($millions) | 7.8702% | 1,507 |
Cash dividends to net income (ytd only)* | 7.5829% | 3,289 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0292% | 3,167 |
Loan loss allowance to noncurrent loans | 362.6087% | 1,798 |
Noncurrent assets plus other real estate owned to assets | 0.1169% | 2,752 |
Noncurrent loans to loans | 0.2838% | 2,168 |
Net loans and leases to total assets | 40.7600% | 4,013 |
Net loans and leases to deposits | 44.2593% | 4,098 |
Net loans and leases to core deposits | 44.5123% | 4,194 |
Total domestic deposits to total assets | 92.1000% | 292 |
Equity capital to assets | 6.1330% | 4,210 |
Core capital (leverage) ratio | 8.7588% | 3,929 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2303% | 1,221 |
Memoranda: | ||
Average total assets | $199,868,800 | 2,994 |
Average earning assets | $181,715,000 | 2,994 |
Average equity | $10,393,400 | 3,677 |
Average total loans | $79,442,200 | 3,418 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6297% | 2,609 |
Cost of funding earning assets | 1.0949% | 2,755 |
Net interest margin | 3.5349% | 2,139 |
Noninterest income to average assets | 0.1900% | 3,850 |
Noninterest expense to average assets | 2.1736% | 3,148 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.0264% | 2,283 |
Return on assets (ROA) | 1.0286% | 2,267 |
Pretax return on assets | 1.2340% | 2,216 |
Return on Equity (ROE) | 20.6900% | 658 |
Retained earnings to average equity (ytd only) | 19.2476% | 287 |
Net charge-offs to loans | 0.0034% | 2,389 |
Credit loss provision to net charge-offs | 150.0000% | 1,321 |
Earnings coverage of net charge-offs (x) | 928.0000% | 174 |
Efficiency ratio | 63.7995% | 2,522 |
Assets per employee ($millions) | 9.0108% | 929 |
Cash dividends to net income (ytd only)* | 6.9767% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0171% | 3,273 |
Loan loss allowance to noncurrent loans | 362.6087% | 1,782 |
Noncurrent assets plus other real estate owned to assets | 0.1160% | 2,795 |
Noncurrent loans to loans | 0.2805% | 2,234 |
Net loans and leases to total assets | 40.9400% | 4,021 |
Net loans and leases to deposits | 43.7523% | 4,114 |
Net loans and leases to core deposits | 44.2675% | 4,166 |
Total domestic deposits to total assets | 93.5700% | 235 |
Equity capital to assets | 4.7927% | 4,289 |
Core capital (leverage) ratio | 8.5146% | 4,143 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.0697% | 1,304 |
Memoranda: | ||
Average total assets | $200,647,500 | 2,989 |
Average earning assets | $182,784,500 | 3,000 |
Average equity | $9,975,000 | 3,725 |
Average total loans | $79,044,000 | 3,432 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4927% | 2,658 |
Cost of funding earning assets | 0.9700% | 2,697 |
Net interest margin | 3.5227% | 2,216 |
Noninterest income to average assets | 0.1800% | 3,893 |
Noninterest expense to average assets | 2.1186% | 3,298 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.0214% | 2,352 |
Return on assets (ROA) | 1.0246% | 2,334 |
Pretax return on assets | 1.2867% | 2,119 |
Return on Equity (ROE) | 20.3700% | 670 |
Retained earnings to average equity (ytd only) | 18.9480% | 284 |
Net charge-offs to loans | 0.0026% | 2,253 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 1,292.0000% | 113 |
Efficiency ratio | 62.2884% | 2,677 |
Assets per employee ($millions) | 8.1238% | 1,265 |
Cash dividends to net income (ytd only)* | 6.9767% | 2,782 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0219% | 3,334 |
Loan loss allowance to noncurrent loans | 361.3043% | 1,922 |
Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,738 |
Noncurrent loans to loans | 0.2828% | 2,132 |
Net loans and leases to total assets | 39.6300% | 4,052 |
Net loans and leases to deposits | 42.4413% | 4,149 |
Net loans and leases to core deposits | 42.9986% | 4,196 |
Total domestic deposits to total assets | 93.3800% | 197 |
Equity capital to assets | 5.0967% | 4,361 |
Core capital (leverage) ratio | 8.2410% | 4,292 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7466% | 1,373 |
Memoranda: | ||
Average total assets | $201,450,667 | 2,993 |
Average earning assets | $184,121,333 | 2,999 |
Average equity | $10,133,000 | 3,728 |
Average total loans | $78,060,333 | 3,443 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3288% | 2,730 |
Cost of funding earning assets | 0.6896% | 3,081 |
Net interest margin | 3.6393% | 2,034 |
Noninterest income to average assets | 0.1700% | 3,961 |
Noninterest expense to average assets | 2.1512% | 3,250 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.0762% | 2,301 |
Return on assets (ROA) | 1.0826% | 2,251 |
Pretax return on assets | 1.3597% | 1,989 |
Return on Equity (ROE) | 21.6700% | 609 |
Retained earnings to average equity (ytd only) | 20.2314% | 361 |
Net charge-offs to loans | 0.0052% | 1,780 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 678.0000% | 171 |
Efficiency ratio | 61.4115% | 2,762 |
Assets per employee ($millions) | 7.6424% | 1,539 |
Cash dividends to net income (ytd only)* | 6.6298% | 2,229 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0792% | 3,155 |
Loan loss allowance to noncurrent loans | 306.6421% | 2,181 |
Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,556 |
Noncurrent loans to loans | 0.3519% | 1,884 |
Net loans and leases to total assets | 38.3300% | 4,102 |
Net loans and leases to deposits | 41.2030% | 4,193 |
Net loans and leases to core deposits | 41.9602% | 4,223 |
Total domestic deposits to total assets | 93.0400% | 302 |
Equity capital to assets | 5.1882% | 4,388 |
Core capital (leverage) ratio | 8.1290% | 4,367 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8712% | 1,399 |
Memoranda: | ||
Average total assets | $200,629,000 | 3,036 |
Average earning assets | $183,883,500 | 3,036 |
Average equity | $10,024,000 | 3,784 |
Average total loans | $76,429,000 | 3,508 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5393% | 2,975 |
Cost of funding earning assets | 0.2783% | 3,058 |
Net interest margin | 3.2610% | 2,676 |
Noninterest income to average assets | 0.2100% | 3,885 |
Noninterest expense to average assets | 2.1177% | 3,242 |
Loan and lease loss provision to assets | 0.0100% | 2,705 |
Net operating income to assets | 0.8428% | 3,182 |
Return on assets (ROA) | 0.7785% | 3,336 |
Pretax return on assets | 0.9840% | 3,121 |
Return on Equity (ROE) | 14.8900% | 1,277 |
Retained earnings to average equity (ytd only) | 13.5247% | 451 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 66.2726% | 2,197 |
Assets per employee ($millions) | 9.6455% | 749 |
Cash dividends to net income (ytd only)* | 9.1997% | 3,260 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0968% | 2,910 |
Loan loss allowance to noncurrent loans | 307.0111% | 2,172 |
Noncurrent assets plus other real estate owned to assets | 0.1338% | 2,587 |
Noncurrent loans to loans | 0.3573% | 1,865 |
Net loans and leases to total assets | 37.0400% | 4,177 |
Net loans and leases to deposits | 39.6320% | 4,255 |
Net loans and leases to core deposits | 40.3419% | 4,272 |
Total domestic deposits to total assets | 93.4600% | 314 |
Equity capital to assets | 4.8081% | 4,410 |
Core capital (leverage) ratio | 7.6469% | 4,540 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4654% | 1,246 |
Memoranda: | ||
Average total assets | $203,857,600 | 3,030 |
Average earning assets | $186,815,400 | 3,023 |
Average equity | $10,654,600 | 3,797 |
Average total loans | $72,573,800 | 3,529 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1895% | 3,461 |
Cost of funding earning assets | 0.2441% | 2,770 |
Net interest margin | 2.9455% | 3,370 |
Noninterest income to average assets | 0.2200% | 3,870 |
Noninterest expense to average assets | 2.1248% | 3,146 |
Loan and lease loss provision to assets | 0.0200% | 2,326 |
Net operating income to assets | 0.6230% | 3,776 |
Return on assets (ROA) | 0.6230% | 3,730 |
Pretax return on assets | 0.7744% | 3,643 |
Return on Equity (ROE) | 11.6900% | 2,142 |
Retained earnings to average equity (ytd only) | 10.3518% | 1,243 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 72.8779% | 1,392 |
Assets per employee ($millions) | 8.9295% | 920 |
Cash dividends to net income (ytd only)* | 11.4256% | 2,802 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1194% | 2,922 |
Loan loss allowance to noncurrent loans | 361.7391% | 1,950 |
Noncurrent assets plus other real estate owned to assets | 0.1120% | 2,843 |
Noncurrent loans to loans | 0.3094% | 2,134 |
Net loans and leases to total assets | 35.7800% | 4,238 |
Net loans and leases to deposits | 38.0040% | 4,302 |
Net loans and leases to core deposits | 38.6660% | 4,326 |
Total domestic deposits to total assets | 94.1600% | 337 |
Equity capital to assets | 4.1601% | 4,460 |
Core capital (leverage) ratio | 7.3207% | 4,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6188% | 1,527 |
Memoranda: | ||
Average total assets | $204,183,000 | 3,039 |
Average earning assets | $186,813,750 | 3,044 |
Average equity | $10,883,500 | 3,820 |
Average total loans | $71,753,500 | 3,558 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9160% | 3,746 |
Cost of funding earning assets | 0.2418% | 2,371 |
Net interest margin | 2.6742% | 3,757 |
Noninterest income to average assets | 0.2257% | 3,840 |
Noninterest expense to average assets | 2.1150% | 3,111 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.5113% | 3,864 |
Return on assets (ROA) | 0.5113% | 3,821 |
Pretax return on assets | 0.5633% | 3,885 |
Return on Equity (ROE) | 8.9340% | 2,720 |
Retained earnings to average equity (ytd only) | 7.6822% | 1,735 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.9667% | 1,021 |
Assets per employee ($millions) | 9.2548% | 818 |
Cash dividends to net income (ytd only)* | 14.0115% | 2,672 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0674% | 3,286 |
Loan loss allowance to noncurrent loans | 350.8696% | 1,961 |
Noncurrent assets plus other real estate owned to assets | 0.1130% | 2,917 |
Noncurrent loans to loans | 0.3042% | 2,242 |
Net loans and leases to total assets | 36.7366% | 4,218 |
Net loans and leases to deposits | 39.1215% | 4,298 |
Net loans and leases to core deposits | 39.8103% | 4,327 |
Total domestic deposits to total assets | 93.9039% | 298 |
Equity capital to assets | 4.4896% | 4,560 |
Core capital (leverage) ratio | 7.0747% | 4,653 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3158% | 1,624 |
Memoranda: | ||
Average total assets | $203,784,667 | 3,076 |
Average earning assets | $186,896,667 | 3,089 |
Average equity | $11,663,333 | 3,819 |
Average total loans | $70,896,000 | 3,606 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6252% | 4,080 |
Cost of funding earning assets | 0.2458% | 2,204 |
Net interest margin | 2.3794% | 4,111 |
Noninterest income to average assets | 0.2139% | 3,877 |
Noninterest expense to average assets | 2.1680% | 2,927 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.2256% | 4,290 |
Return on assets (ROA) | 0.2256% | 4,255 |
Pretax return on assets | 0.2492% | 4,269 |
Return on Equity (ROE) | 3.5591% | 3,981 |
Retained earnings to average equity (ytd only) | 2.4140% | 3,431 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.6916% | 563 |
Assets per employee ($millions) | 9.3937% | 794 |
Cash dividends to net income (ytd only)* | 32.1739% | 1,702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1883% | 2,918 |
Loan loss allowance to noncurrent loans | 297.7860% | 2,109 |
Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,880 |
Noncurrent loans to loans | 0.3991% | 2,064 |
Net loans and leases to total assets | 32.4704% | 4,357 |
Net loans and leases to deposits | 35.0354% | 4,418 |
Net loans and leases to core deposits | 35.6502% | 4,436 |
Total domestic deposits to total assets | 92.6789% | 352 |
Equity capital to assets | 5.6943% | 4,639 |
Core capital (leverage) ratio | 6.6859% | 4,735 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.0924% | 1,485 |
Memoranda: | ||
Average total assets | $203,874,000 | 3,079 |
Average earning assets | $188,789,000 | 3,086 |
Average equity | $12,924,500 | 3,764 |
Average total loans | $68,541,500 | 3,644 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0288% | 3,817 |
Cost of funding earning assets | 0.2869% | 2,536 |
Net interest margin | 2.7419% | 3,796 |
Noninterest income to average assets | 0.3301% | 3,437 |
Noninterest expense to average assets | 2.0796% | 3,439 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.7376% | 3,526 |
Return on assets (ROA) | 0.7376% | 3,584 |
Pretax return on assets | 0.8485% | 3,629 |
Return on Equity (ROE) | 10.2458% | 2,435 |
Retained earnings to average equity (ytd only) | 9.1854% | 1,143 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.0234% | 1,615 |
Assets per employee ($millions) | 8.3786% | 1,131 |
Cash dividends to net income (ytd only)* | 10.3497% | 3,349 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1667% | 3,038 |
Loan loss allowance to noncurrent loans | 350.8696% | 1,854 |
Noncurrent assets plus other real estate owned to assets | 0.1144% | 3,128 |
Noncurrent loans to loans | 0.3325% | 2,393 |
Net loans and leases to total assets | 33.9979% | 4,377 |
Net loans and leases to deposits | 37.3347% | 4,433 |
Net loans and leases to core deposits | 37.9749% | 4,459 |
Total domestic deposits to total assets | 91.0625% | 474 |
Equity capital to assets | 7.0025% | 4,718 |
Core capital (leverage) ratio | 7.0060% | 4,740 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0958% | 1,024 |
Memoranda: | ||
Average total assets | $193,881,800 | 3,105 |
Average earning assets | $183,705,800 | 3,074 |
Average equity | $13,957,000 | 3,745 |
Average total loans | $74,573,200 | 3,574 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0585% | 3,891 |
Cost of funding earning assets | 0.2976% | 2,615 |
Net interest margin | 2.7610% | 3,862 |
Noninterest income to average assets | 0.3387% | 3,414 |
Noninterest expense to average assets | 2.1018% | 3,357 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 0.6830% | 3,811 |
Return on assets (ROA) | 0.6830% | 3,870 |
Pretax return on assets | 0.8517% | 3,792 |
Return on Equity (ROE) | 9.4210% | 2,960 |
Retained earnings to average equity (ytd only) | 8.3583% | 1,926 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.1633% | 1,478 |
Assets per employee ($millions) | 7.2196% | 1,726 |
Cash dividends to net income (ytd only)* | 11.2805% | 2,924 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1434% | 3,237 |
Loan loss allowance to noncurrent loans | 351.3043% | 1,765 |
Noncurrent assets plus other real estate owned to assets | 0.1180% | 3,333 |
Noncurrent loans to loans | 0.3255% | 2,618 |
Net loans and leases to total assets | 35.8394% | 4,399 |
Net loans and leases to deposits | 39.5934% | 4,466 |
Net loans and leases to core deposits | 40.4536% | 4,499 |
Total domestic deposits to total assets | 90.5186% | 549 |
Equity capital to assets | 7.3083% | 4,755 |
Core capital (leverage) ratio | 6.8499% | 4,840 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.4339% | 1,061 |
Memoranda: | ||
Average total assets | $192,080,750 | 3,158 |
Average earning assets | $181,912,250 | 3,120 |
Average equity | $13,926,000 | 3,797 |
Average total loans | $75,923,500 | 3,597 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0769% | 3,913 |
Cost of funding earning assets | 0.3073% | 2,717 |
Net interest margin | 2.7697% | 3,849 |
Noninterest income to average assets | 0.2993% | 3,639 |
Noninterest expense to average assets | 2.0175% | 3,647 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.7220% | 3,707 |
Return on assets (ROA) | 0.7220% | 3,772 |
Pretax return on assets | 0.9041% | 3,656 |
Return on Equity (ROE) | 9.9860% | 2,741 |
Retained earnings to average equity (ytd only) | 8.9150% | 1,733 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.0544% | 1,752 |
Assets per employee ($millions) | 7.1609% | 1,683 |
Cash dividends to net income (ytd only)* | 10.7246% | 2,844 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0668% | 3,560 |
Loan loss allowance to noncurrent loans | 351.3043% | 1,689 |
Noncurrent assets plus other real estate owned to assets | 0.1190% | 3,443 |
Noncurrent loans to loans | 0.3037% | 2,838 |
Net loans and leases to total assets | 38.7571% | 4,353 |
Net loans and leases to deposits | 42.8229% | 4,430 |
Net loans and leases to core deposits | 43.6008% | 4,471 |
Total domestic deposits to total assets | 90.5056% | 553 |
Equity capital to assets | 7.2378% | 4,796 |
Core capital (leverage) ratio | 6.6491% | 4,896 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.5262% | 1,465 |
Memoranda: | ||
Average total assets | $191,131,667 | 3,170 |
Average earning assets | $180,958,667 | 3,126 |
Average equity | $13,819,333 | 3,806 |
Average total loans | $77,675,000 | 3,590 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3329% | 3,378 |
Cost of funding earning assets | 0.3179% | 2,815 |
Net interest margin | 3.0149% | 3,220 |
Noninterest income to average assets | 0.3452% | 3,365 |
Noninterest expense to average assets | 2.1134% | 3,383 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.8609% | 3,231 |
Return on assets (ROA) | 0.8609% | 3,314 |
Pretax return on assets | 1.0862% | 3,144 |
Return on Equity (ROE) | 11.9138% | 2,049 |
Retained earnings to average equity (ytd only) | 10.8069% | 1,448 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0526% | 2,226 |
Assets per employee ($millions) | 7.2177% | 1,631 |
Cash dividends to net income (ytd only)* | 9.2910% | 2,264 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0610% | 3,612 |
Loan loss allowance to noncurrent loans | 351.3043% | 1,557 |
Noncurrent assets plus other real estate owned to assets | 0.1180% | 3,580 |
Noncurrent loans to loans | 0.3020% | 3,015 |
Net loans and leases to total assets | 38.6630% | 4,398 |
Net loans and leases to deposits | 42.6875% | 4,469 |
Net loans and leases to core deposits | 43.4549% | 4,515 |
Total domestic deposits to total assets | 90.5721% | 559 |
Equity capital to assets | 7.0326% | 4,838 |
Core capital (leverage) ratio | 6.8171% | 4,913 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0334% | 2,282 |
Memoranda: | ||
Average total assets | $190,025,000 | 3,165 |
Average earning assets | $179,905,000 | 3,127 |
Average equity | $13,732,000 | 3,820 |
Average total loans | $78,641,000 | 3,585 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0730% | 2,501 |
Cost of funding earning assets | 0.4044% | 3,551 |
Net interest margin | 3.6686% | 1,918 |
Noninterest income to average assets | 0.4576% | 2,832 |
Noninterest expense to average assets | 2.4298% | 3,055 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 1.0921% | 1,956 |
Return on assets (ROA) | 1.1082% | 2,017 |
Pretax return on assets | 1.4943% | 1,348 |
Return on Equity (ROE) | 14.4663% | 722 |
Retained earnings to average equity (ytd only) | 13.2587% | 225 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2433% | 3,084 |
Assets per employee ($millions) | 6.8582% | 1,673 |
Cash dividends to net income (ytd only)* | 8.3472% | 3,586 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9960% | 3,883 |
Loan loss allowance to noncurrent loans | 351.3043% | 1,530 |
Noncurrent assets plus other real estate owned to assets | 0.1242% | 3,662 |
Noncurrent loans to loans | 0.2835% | 3,187 |
Net loans and leases to total assets | 43.3761% | 4,280 |
Net loans and leases to deposits | 48.0990% | 4,389 |
Net loans and leases to core deposits | 48.8276% | 4,461 |
Total domestic deposits to total assets | 90.1810% | 496 |
Equity capital to assets | 7.4304% | 4,852 |
Core capital (leverage) ratio | 6.8946% | 4,946 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2365% | 2,539 |
Memoranda: | ||
Average total assets | $162,154,600 | 3,270 |
Average earning assets | $152,320,800 | 3,243 |
Average equity | $12,422,000 | 3,932 |
Average total loans | $84,217,400 | 3,496 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8950% | 3,268 |
Cost of funding earning assets | 0.4294% | 3,647 |
Net interest margin | 3.4655% | 2,704 |
Noninterest income to average assets | 0.3436% | 3,417 |
Noninterest expense to average assets | 2.4995% | 2,854 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.8689% | 2,829 |
Return on assets (ROA) | 0.8900% | 2,861 |
Pretax return on assets | 1.1176% | 2,683 |
Return on Equity (ROE) | 11.5155% | 1,507 |
Retained earnings to average equity (ytd only) | 10.2691% | 712 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.6106% | 1,945 |
Assets per employee ($millions) | 6.5862% | 1,767 |
Cash dividends to net income (ytd only)* | 10.8238% | 3,121 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8030% | 4,357 |
Loan loss allowance to noncurrent loans | 349.7835% | 1,451 |
Noncurrent assets plus other real estate owned to assets | 0.1299% | 3,776 |
Noncurrent loans to loans | 0.2296% | 3,483 |
Net loans and leases to total assets | 56.1301% | 3,612 |
Net loans and leases to deposits | 63.6482% | 3,819 |
Net loans and leases to core deposits | 64.6751% | 3,972 |
Total domestic deposits to total assets | 88.1880% | 1,125 |
Equity capital to assets | 7.3099% | 4,901 |
Core capital (leverage) ratio | 6.7025% | 4,991 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.7275% | 3,108 |
Memoranda: | ||
Average total assets | $156,400,500 | 3,303 |
Average earning assets | $146,545,000 | 3,285 |
Average equity | $12,087,750 | 3,971 |
Average total loans | $84,989,750 | 3,499 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8861% | 3,659 |
Cost of funding earning assets | 0.4062% | 4,012 |
Net interest margin | 3.4799% | 2,859 |
Noninterest income to average assets | 0.2318% | 4,093 |
Noninterest expense to average assets | 2.4494% | 3,109 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.8400% | 2,896 |
Return on assets (ROA) | 0.8737% | 2,913 |
Pretax return on assets | 1.0840% | 2,759 |
Return on Equity (ROE) | 11.0659% | 1,609 |
Retained earnings to average equity (ytd only) | 9.7929% | 828 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1458% | 1,935 |
Assets per employee ($millions) | 6.7186% | 1,617 |
Cash dividends to net income (ytd only)* | 11.5031% | 2,998 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8117% | 4,316 |
Loan loss allowance to noncurrent loans | 179.5556% | 2,314 |
Noncurrent assets plus other real estate owned to assets | 0.2576% | 3,281 |
Noncurrent loans to loans | 0.4520% | 2,793 |
Net loans and leases to total assets | 56.5244% | 3,643 |
Net loans and leases to deposits | 63.9957% | 3,884 |
Net loans and leases to core deposits | 64.9283% | 4,024 |
Total domestic deposits to total assets | 88.3252% | 1,031 |
Equity capital to assets | 7.1581% | 4,946 |
Core capital (leverage) ratio | 6.6017% | 5,039 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.6153% | 3,190 |
Memoranda: | ||
Average total assets | $149,258,000 | 3,372 |
Average earning assets | $139,831,333 | 3,351 |
Average equity | $11,784,000 | 4,012 |
Average total loans | $79,778,667 | 3,576 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1952% | 3,227 |
Cost of funding earning assets | 0.4198% | 4,288 |
Net interest margin | 3.7754% | 2,066 |
Noninterest income to average assets | 0.2959% | 3,754 |
Noninterest expense to average assets | 2.7390% | 2,604 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.8598% | 2,658 |
Return on assets (ROA) | 0.9316% | 2,521 |
Pretax return on assets | 1.1776% | 2,280 |
Return on Equity (ROE) | 11.1345% | 1,378 |
Retained earnings to average equity (ytd only) | 9.8039% | 780 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.5926% | 2,143 |
Assets per employee ($millions) | 5.4333% | 2,192 |
Cash dividends to net income (ytd only)* | 11.9497% | 2,465 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1525% | 2,922 |
Loan loss allowance to noncurrent loans | 179.1574% | 2,233 |
Noncurrent assets plus other real estate owned to assets | 0.4700% | 2,585 |
Noncurrent loans to loans | 0.6433% | 2,384 |
Net loans and leases to total assets | 49.0553% | 4,285 |
Net loans and leases to deposits | 55.1449% | 4,401 |
Net loans and leases to core deposits | 55.7725% | 4,499 |
Total domestic deposits to total assets | 88.9571% | 683 |
Equity capital to assets | 8.4216% | 4,866 |
Core capital (leverage) ratio | 8.1880% | 4,923 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6344% | 2,429 |
Memoranda: | ||
Average total assets | $136,545,000 | 3,493 |
Average earning assets | $127,670,000 | 3,477 |
Average equity | $11,424,000 | 4,076 |
Average total loans | $69,894,500 | 3,763 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4649% | 3,067 |
Cost of funding earning assets | 0.5064% | 4,063 |
Net interest margin | 3.9585% | 1,977 |
Noninterest income to average assets | 0.3719% | 3,474 |
Noninterest expense to average assets | 2.8171% | 2,548 |
Loan and lease loss provision to assets | 0.0554% | 2,921 |
Net operating income to assets | 0.9462% | 3,029 |
Return on assets (ROA) | 0.9456% | 3,122 |
Pretax return on assets | 1.2099% | 2,807 |
Return on Equity (ROE) | 11.8856% | 1,556 |
Retained earnings to average equity (ytd only) | 10.3937% | 421 |
Net charge-offs to loans | 0.0824% | 1,939 |
Credit loss provision to net charge-offs | 122.8070% | 2,071 |
Earnings coverage of net charge-offs (x) | 28.0702% | 1,642 |
Efficiency ratio | 68.9922% | 2,318 |
Assets per employee ($millions) | 5.2729% | 2,270 |
Cash dividends to net income (ytd only)* | 12.5523% | 3,697 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1596% | 2,644 |
Loan loss allowance to noncurrent loans | 345.2991% | 1,346 |
Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,764 |
Noncurrent loans to loans | 0.3358% | 3,240 |
Net loans and leases to total assets | 52.2473% | 4,206 |
Net loans and leases to deposits | 58.8315% | 4,339 |
Net loans and leases to core deposits | 59.5492% | 4,461 |
Total domestic deposits to total assets | 88.8085% | 747 |
Equity capital to assets | 8.3074% | 4,979 |
Core capital (leverage) ratio | 8.2115% | 4,969 |
Tier 1 risk-based capital ratio | 12.5180% | 4,059 |
Total risk-based capital ratio | 13.4576% | 4,116 |
Memoranda: | ||
Average total assets | $126,373,200 | 3,612 |
Average earning assets | $118,479,800 | 3,582 |
Average equity | $10,054,200 | 4,235 |
Average total loans | $69,137,000 | 3,793 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4914% | 3,086 |
Cost of funding earning assets | 0.5291% | 4,032 |
Net interest margin | 3.9622% | 2,068 |
Noninterest income to average assets | 0.3861% | 3,401 |
Noninterest expense to average assets | 2.8306% | 2,468 |
Loan and lease loss provision to assets | 0.0747% | 2,399 |
Net operating income to assets | 0.9010% | 3,345 |
Return on assets (ROA) | 0.9002% | 3,421 |
Pretax return on assets | 1.1935% | 3,000 |
Return on Equity (ROE) | 11.4477% | 1,823 |
Retained earnings to average equity (ytd only) | 9.9150% | 770 |
Net charge-offs to loans | 0.1101% | 1,364 |
Credit loss provision to net charge-offs | 122.8070% | 1,917 |
Earnings coverage of net charge-offs (x) | 20.8767% | 1,936 |
Efficiency ratio | 69.0427% | 2,252 |
Assets per employee ($millions) | 4.8660% | 2,715 |
Cash dividends to net income (ytd only)* | 13.3883% | 3,277 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1925% | 2,548 |
Loan loss allowance to noncurrent loans | 185.3211% | 2,212 |
Noncurrent assets plus other real estate owned to assets | 0.3446% | 3,137 |
Noncurrent loans to loans | 0.6435% | 2,349 |
Net loans and leases to total assets | 52.9190% | 4,259 |
Net loans and leases to deposits | 59.5522% | 4,400 |
Net loans and leases to core deposits | 60.3075% | 4,524 |
Total domestic deposits to total assets | 88.8615% | 666 |
Equity capital to assets | 8.4171% | 5,025 |
Core capital (leverage) ratio | 8.2371% | 5,053 |
Tier 1 risk-based capital ratio | 12.7474% | 3,994 |
Total risk-based capital ratio | 13.7329% | 4,036 |
Memoranda: | ||
Average total assets | $125,010,750 | 3,666 |
Average earning assets | $117,170,500 | 3,632 |
Average equity | $9,830,000 | 4,309 |
Average total loans | $69,000,750 | 3,835 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4444% | 3,197 |
Cost of funding earning assets | 0.5213% | 4,028 |
Net interest margin | 3.9232% | 2,174 |
Noninterest income to average assets | 0.3502% | 3,596 |
Noninterest expense to average assets | 2.8673% | 2,363 |
Loan and lease loss provision to assets | 0.0803% | 2,225 |
Net operating income to assets | 0.8048% | 3,636 |
Return on assets (ROA) | 0.8048% | 3,696 |
Pretax return on assets | 1.0778% | 3,299 |
Return on Equity (ROE) | 10.4845% | 2,182 |
Retained earnings to average equity (ytd only) | 8.9149% | 1,054 |
Net charge-offs to loans | 0.1642% | 974 |
Credit loss provision to net charge-offs | 87.7193% | 2,154 |
Earnings coverage of net charge-offs (x) | 12.6491% | 2,143 |
Efficiency ratio | 71.2291% | 2,029 |
Assets per employee ($millions) | 4.9006% | 2,601 |
Cash dividends to net income (ytd only)* | 14.9701% | 3,174 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0977% | 3,084 |
Loan loss allowance to noncurrent loans | 176.6816% | 2,348 |
Noncurrent assets plus other real estate owned to assets | 0.3500% | 3,132 |
Noncurrent loans to loans | 0.6213% | 2,401 |
Net loans and leases to total assets | 55.7234% | 4,091 |
Net loans and leases to deposits | 63.8742% | 4,230 |
Net loans and leases to core deposits | 64.6919% | 4,379 |
Total domestic deposits to total assets | 87.2393% | 1,473 |
Equity capital to assets | 8.0312% | 5,169 |
Core capital (leverage) ratio | 8.2357% | 5,093 |
Tier 1 risk-based capital ratio | 11.7608% | 4,539 |
Total risk-based capital ratio | 12.6722% | 4,621 |
Memoranda: | ||
Average total assets | $124,509,000 | 3,695 |
Average earning assets | $116,640,000 | 3,666 |
Average equity | $9,557,000 | 4,363 |
Average total loans | $69,414,670 | 3,846 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4158% | 3,168 |
Cost of funding earning assets | 0.5177% | 3,986 |
Net interest margin | 3.8981% | 2,193 |
Noninterest income to average assets | 0.3088% | 3,808 |
Noninterest expense to average assets | 2.9190% | 2,223 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.6144% | 4,194 |
Return on assets (ROA) | 0.6144% | 4,235 |
Pretax return on assets | 1.0369% | 3,319 |
Return on Equity (ROE) | 8.2005% | 3,166 |
Retained earnings to average equity (ytd only) | 6.5517% | 2,229 |
Net charge-offs to loans | -0.0059% | 4,068 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7880% | 1,779 |
Assets per employee ($millions) | 4.7355% | 2,867 |
Cash dividends to net income (ytd only)* | 20.1058% | 2,467 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1749% | 2,713 |
Loan loss allowance to noncurrent loans | 158.5657% | 2,571 |
Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,955 |
Noncurrent loans to loans | 0.7409% | 2,171 |
Net loans and leases to total assets | 54.3809% | 4,186 |
Net loans and leases to deposits | 60.8448% | 4,370 |
Net loans and leases to core deposits | 61.6305% | 4,503 |
Total domestic deposits to total assets | 89.3766% | 702 |
Equity capital to assets | 7.6801% | 5,241 |
Core capital (leverage) ratio | 8.0832% | 5,187 |
Tier 1 risk-based capital ratio | 11.7337% | 4,598 |
Total risk-based capital ratio | 12.6777% | 4,683 |
Memoranda: | ||
Average total assets | $123,056,000 | 3,749 |
Average earning assets | $115,132,500 | 3,728 |
Average equity | $9,219,000 | 4,438 |
Average total loans | $68,228,000 | 3,909 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4726% | 2,544 |
Cost of funding earning assets | 0.4374% | 3,754 |
Net interest margin | 4.0352% | 1,867 |
Noninterest income to average assets | 0.3835% | 3,537 |
Noninterest expense to average assets | 2.7712% | 2,781 |
Loan and lease loss provision to assets | 0.0589% | 2,984 |
Net operating income to assets | 1.0437% | 2,830 |
Return on assets (ROA) | 1.0437% | 2,814 |
Pretax return on assets | 1.3011% | 2,490 |
Return on Equity (ROE) | 14.7777% | 880 |
Retained earnings to average equity (ytd only) | 12.9915% | 235 |
Net charge-offs to loans | -0.0264% | 4,771 |
Credit loss provision to net charge-offs | -411.7647% | 4,604 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.0806% | 2,695 |
Assets per employee ($millions) | 4.5551% | 3,078 |
Cash dividends to net income (ytd only)* | 12.0870% | 3,771 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1571% | 2,787 |
Loan loss allowance to noncurrent loans | 174.3421% | 2,454 |
Noncurrent assets plus other real estate owned to assets | 0.3708% | 3,066 |
Noncurrent loans to loans | 0.6637% | 2,335 |
Net loans and leases to total assets | 55.2160% | 4,190 |
Net loans and leases to deposits | 61.4594% | 4,404 |
Net loans and leases to core deposits | 62.2482% | 4,526 |
Total domestic deposits to total assets | 89.8413% | 529 |
Equity capital to assets | 7.3032% | 5,300 |
Core capital (leverage) ratio | 8.1153% | 5,202 |
Tier 1 risk-based capital ratio | 11.2062% | 4,862 |
Total risk-based capital ratio | 12.1255% | 4,920 |
Memoranda: | ||
Average total assets | $118,900,000 | 3,805 |
Average earning assets | $110,427,200 | 3,795 |
Average equity | $8,397,800 | 4,545 |
Average total loans | $64,338,400 | 3,998 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4404% | 2,502 |
Cost of funding earning assets | 0.4234% | 3,706 |
Net interest margin | 4.0170% | 1,908 |
Noninterest income to average assets | 0.3608% | 3,720 |
Noninterest expense to average assets | 2.7293% | 2,881 |
Loan and lease loss provision to assets | 0.0113% | 3,773 |
Net operating income to assets | 1.0564% | 2,843 |
Return on assets (ROA) | 1.0564% | 2,854 |
Pretax return on assets | 1.3437% | 2,455 |
Return on Equity (ROE) | 15.0913% | 853 |
Retained earnings to average equity (ytd only) | 13.2655% | 332 |
Net charge-offs to loans | -0.1391% | 5,229 |
Credit loss provision to net charge-offs | -15.1515% | 4,098 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.8236% | 2,747 |
Assets per employee ($millions) | 4.5196% | 3,091 |
Cash dividends to net income (ytd only)* | 12.0983% | 3,312 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1387% | 2,973 |
Loan loss allowance to noncurrent loans | 150.0956% | 2,758 |
Noncurrent assets plus other real estate owned to assets | 0.4286% | 2,973 |
Noncurrent loans to loans | 0.7586% | 2,190 |
Net loans and leases to total assets | 55.8515% | 4,231 |
Net loans and leases to deposits | 61.8040% | 4,451 |
Net loans and leases to core deposits | 62.3970% | 4,596 |
Total domestic deposits to total assets | 90.3687% | 389 |
Equity capital to assets | 6.9270% | 5,393 |
Core capital (leverage) ratio | 7.8052% | 5,358 |
Tier 1 risk-based capital ratio | 11.1073% | 4,987 |
Total risk-based capital ratio | 12.0278% | 5,043 |
Memoranda: | ||
Average total assets | $117,878,000 | 3,860 |
Average earning assets | $109,267,250 | 3,855 |
Average equity | $8,251,750 | 4,613 |
Average total loans | $63,247,000 | 4,061 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3022% | 2,754 |
Cost of funding earning assets | 0.4122% | 3,628 |
Net interest margin | 3.8900% | 2,238 |
Noninterest income to average assets | 0.3554% | 3,790 |
Noninterest expense to average assets | 2.7160% | 2,957 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.9649% | 3,170 |
Return on assets (ROA) | 0.9649% | 3,170 |
Pretax return on assets | 1.2361% | 2,782 |
Return on Equity (ROE) | 13.7330% | 1,148 |
Retained earnings to average equity (ytd only) | 11.9003% | 532 |
Net charge-offs to loans | -0.2152% | 5,337 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.7228% | 2,527 |
Assets per employee ($millions) | 4.7018% | 2,814 |
Cash dividends to net income (ytd only)* | 13.3452% | 3,212 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1943% | 2,760 |
Loan loss allowance to noncurrent loans | 149.3256% | 2,778 |
Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,026 |
Noncurrent loans to loans | 0.7998% | 2,131 |
Net loans and leases to total assets | 52.4491% | 4,447 |
Net loans and leases to deposits | 57.9467% | 4,645 |
Net loans and leases to core deposits | 59.0623% | 4,747 |
Total domestic deposits to total assets | 90.5127% | 393 |
Equity capital to assets | 6.7437% | 5,472 |
Core capital (leverage) ratio | 7.6364% | 5,424 |
Tier 1 risk-based capital ratio | 11.0553% | 5,025 |
Total risk-based capital ratio | 11.9961% | 5,068 |
Memoranda: | ||
Average total assets | $116,494,330 | 3,918 |
Average earning assets | $107,713,330 | 3,918 |
Average equity | $8,184,670 | 4,664 |
Average total loans | $61,349,330 | 4,129 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2303% | 2,783 |
Cost of funding earning assets | 0.3873% | 3,679 |
Net interest margin | 3.8430% | 2,249 |
Noninterest income to average assets | 0.3345% | 3,917 |
Noninterest expense to average assets | 2.7989% | 2,693 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.8625% | 3,441 |
Return on assets (ROA) | 0.8625% | 3,457 |
Pretax return on assets | 1.0984% | 3,180 |
Return on Equity (ROE) | 12.0172% | 1,573 |
Retained earnings to average equity (ytd only) | 10.1533% | 1,118 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.8157% | 2,217 |
Assets per employee ($millions) | 4.4041% | 3,316 |
Cash dividends to net income (ytd only)* | 15.5102% | 2,486 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2142% | 2,722 |
Loan loss allowance to noncurrent loans | 126.8336% | 3,030 |
Noncurrent assets plus other real estate owned to assets | 0.4701% | 2,973 |
Noncurrent loans to loans | 0.9573% | 1,911 |
Net loans and leases to total assets | 48.5107% | 4,661 |
Net loans and leases to deposits | 53.7339% | 4,810 |
Net loans and leases to core deposits | 61.5064% | 4,584 |
Total domestic deposits to total assets | 90.2794% | 551 |
Equity capital to assets | 6.7773% | 5,527 |
Core capital (leverage) ratio | 7.7229% | 5,464 |
Tier 1 risk-based capital ratio | 11.5205% | 4,851 |
Total risk-based capital ratio | 12.4520% | 4,928 |
Memoranda: | ||
Average total assets | $113,617,500 | 4,002 |
Average earning assets | $105,335,000 | 4,005 |
Average equity | $8,155,000 | 4,720 |
Average total loans | $59,577,500 | 4,206 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1744% | 2,790 |
Cost of funding earning assets | 0.4189% | 3,063 |
Net interest margin | 3.7556% | 2,578 |
Noninterest income to average assets | 0.3582% | 3,908 |
Noninterest expense to average assets | 2.9837% | 2,208 |
Loan and lease loss provision to assets | 0.2930% | 592 |
Net operating income to assets | 0.4011% | 4,688 |
Return on assets (ROA) | 0.4168% | 4,660 |
Pretax return on assets | 0.5775% | 4,790 |
Return on Equity (ROE) | 5.4075% | 3,999 |
Retained earnings to average equity (ytd only) | 3.5682% | 3,139 |
Net charge-offs to loans | 0.3826% | 658 |
Credit loss provision to net charge-offs | 142.2018% | 1,864 |
Earnings coverage of net charge-offs (x) | 4.1193% | 3,515 |
Efficiency ratio | 77.8545% | 1,372 |
Assets per employee ($millions) | 4.0120% | 3,940 |
Cash dividends to net income (ytd only)* | 34.0136% | 3,124 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1669% | 2,976 |
Loan loss allowance to noncurrent loans | 122.4525% | 3,172 |
Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,773 |
Noncurrent loans to loans | 0.9529% | 1,862 |
Net loans and leases to total assets | 55.4379% | 4,236 |
Net loans and leases to deposits | 62.1798% | 4,433 |
Net loans and leases to core deposits | 68.6568% | 4,252 |
Total domestic deposits to total assets | 89.1574% | 926 |
Equity capital to assets | 7.6170% | 5,516 |
Core capital (leverage) ratio | 7.7892% | 5,502 |
Tier 1 risk-based capital ratio | 11.2178% | 5,031 |
Total risk-based capital ratio | 12.1401% | 5,099 |
Memoranda: | ||
Average total assets | $105,809,800 | 4,140 |
Average earning assets | $97,881,600 | 4,136 |
Average equity | $8,155,400 | 4,762 |
Average total loans | $56,985,800 | 4,266 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0893% | 3,023 |
Cost of funding earning assets | 0.4180% | 3,004 |
Net interest margin | 3.6713% | 2,859 |
Noninterest income to average assets | 0.3587% | 3,963 |
Noninterest expense to average assets | 2.9726% | 2,184 |
Loan and lease loss provision to assets | 0.1268% | 1,709 |
Net operating income to assets | 0.4893% | 4,761 |
Return on assets (ROA) | 0.4893% | 4,798 |
Pretax return on assets | 0.6554% | 4,715 |
Return on Equity (ROE) | 6.3291% | 3,969 |
Retained earnings to average equity (ytd only) | 4.4763% | 3,238 |
Net charge-offs to loans | -0.0214% | 4,871 |
Credit loss provision to net charge-offs | -1,111.1111% | 4,969 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1695% | 1,194 |
Assets per employee ($millions) | 4.1451% | 3,748 |
Cash dividends to net income (ytd only)* | 29.2743% | 2,776 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1648% | 3,121 |
Loan loss allowance to noncurrent loans | 86.7225% | 3,771 |
Noncurrent assets plus other real estate owned to assets | 0.7470% | 2,263 |
Noncurrent loans to loans | 1.3431% | 1,409 |
Net loans and leases to total assets | 54.9675% | 4,326 |
Net loans and leases to deposits | 63.5025% | 4,414 |
Net loans and leases to core deposits | 70.2934% | 4,224 |
Total domestic deposits to total assets | 86.5597% | 2,068 |
Equity capital to assets | 7.5502% | 5,610 |
Core capital (leverage) ratio | 7.8588% | 5,554 |
Tier 1 risk-based capital ratio | 10.8249% | 5,334 |
Total risk-based capital ratio | 11.7408% | 5,389 |
Memoranda: | ||
Average total assets | $105,181,500 | 4,195 |
Average earning assets | $97,292,250 | 4,184 |
Average equity | $8,131,500 | 4,819 |
Average total loans | $56,042,000 | 4,326 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0396% | 3,043 |
Cost of funding earning assets | 0.4208% | 2,881 |
Net interest margin | 3.6188% | 2,955 |
Noninterest income to average assets | 0.3594% | 3,988 |
Noninterest expense to average assets | 3.0096% | 2,083 |
Loan and lease loss provision to assets | 0.0971% | 2,060 |
Net operating income to assets | 0.4158% | 4,944 |
Return on assets (ROA) | 0.4158% | 4,971 |
Pretax return on assets | 0.5945% | 4,819 |
Return on Equity (ROE) | 5.3331% | 4,343 |
Retained earnings to average equity (ytd only) | 3.4640% | 3,645 |
Net charge-offs to loans | -0.0333% | 5,006 |
Credit loss provision to net charge-offs | -555.5556% | 4,693 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.3123% | 1,075 |
Assets per employee ($millions) | 4.0975% | 3,792 |
Cash dividends to net income (ytd only)* | 35.0467% | 2,576 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1802% | 3,138 |
Loan loss allowance to noncurrent loans | 74.5033% | 4,073 |
Noncurrent assets plus other real estate owned to assets | 1.0213% | 1,713 |
Noncurrent loans to loans | 1.5840% | 1,169 |
Net loans and leases to total assets | 53.0544% | 4,482 |
Net loans and leases to deposits | 59.9323% | 4,637 |
Net loans and leases to core deposits | 68.0525% | 4,348 |
Total domestic deposits to total assets | 88.5239% | 1,190 |
Equity capital to assets | 7.8125% | 5,595 |
Core capital (leverage) ratio | 8.0322% | 5,509 |
Tier 1 risk-based capital ratio | 11.3490% | 5,056 |
Total risk-based capital ratio | 12.2574% | 5,146 |
Memoranda: | ||
Average total assets | $102,936,330 | 4,256 |
Average earning assets | $95,058,670 | 4,248 |
Average equity | $8,025,330 | 4,857 |
Average total loans | $53,975,000 | 4,421 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9827% | 3,107 |
Cost of funding earning assets | 0.4244% | 2,776 |
Net interest margin | 3.5583% | 3,049 |
Noninterest income to average assets | 0.3204% | 4,259 |
Noninterest expense to average assets | 3.0493% | 2,015 |
Loan and lease loss provision to assets | 0.0791% | 2,229 |
Net operating income to assets | 0.2927% | 5,216 |
Return on assets (ROA) | 0.2927% | 5,229 |
Pretax return on assets | 0.4746% | 5,014 |
Return on Equity (ROE) | 3.7580% | 4,863 |
Retained earnings to average equity (ytd only) | 1.8282% | 4,385 |
Net charge-offs to loans | -0.0687% | 5,317 |
Credit loss provision to net charge-offs | -222.2222% | 4,059 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6323% | 913 |
Assets per employee ($millions) | 3.8371% | 4,286 |
Cash dividends to net income (ytd only)* | 51.3514% | 1,644 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1775% | 3,273 |
Loan loss allowance to noncurrent loans | 71.5871% | 4,163 |
Noncurrent assets plus other real estate owned to assets | 1.1274% | 1,574 |
Noncurrent loans to loans | 1.6449% | 1,178 |
Net loans and leases to total assets | 52.2475% | 4,493 |
Net loans and leases to deposits | 58.6540% | 4,654 |
Net loans and leases to core deposits | 66.6576% | 4,387 |
Total domestic deposits to total assets | 89.0775% | 1,109 |
Equity capital to assets | 7.6668% | 5,640 |
Core capital (leverage) ratio | 8.2330% | 5,421 |
Tier 1 risk-based capital ratio | 11.4922% | 5,034 |
Total risk-based capital ratio | 12.3833% | 5,135 |
Memoranda: | ||
Average total assets | $101,137,500 | 4,327 |
Average earning assets | $93,303,500 | 4,325 |
Average equity | $7,876,500 | 4,922 |
Average total loans | $52,364,500 | 4,500 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0998% | 2,851 |
Cost of funding earning assets | 0.4234% | 2,774 |
Net interest margin | 3.6764% | 2,791 |
Noninterest income to average assets | 0.5306% | 3,028 |
Noninterest expense to average assets | 3.0376% | 2,230 |
Loan and lease loss provision to assets | 0.0217% | 3,936 |
Net operating income to assets | 0.6076% | 4,178 |
Return on assets (ROA) | 0.6941% | 3,917 |
Pretax return on assets | 0.9670% | 3,594 |
Return on Equity (ROE) | 8.2656% | 2,802 |
Retained earnings to average equity (ytd only) | 6.3314% | 1,539 |
Net charge-offs to loans | -0.0380% | 5,318 |
Credit loss provision to net charge-offs | -111.1111% | 4,909 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7655% | 1,726 |
Assets per employee ($millions) | 4.1113% | 3,764 |
Cash dividends to net income (ytd only)* | 23.4009% | 3,591 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2331% | 2,919 |
Loan loss allowance to noncurrent loans | 123.2000% | 3,205 |
Noncurrent assets plus other real estate owned to assets | 0.8635% | 2,192 |
Noncurrent loans to loans | 1.0009% | 2,089 |
Net loans and leases to total assets | 50.0020% | 4,762 |
Net loans and leases to deposits | 57.5921% | 4,823 |
Net loans and leases to core deposits | 65.6056% | 4,546 |
Total domestic deposits to total assets | 86.8210% | 2,233 |
Equity capital to assets | 7.9151% | 5,598 |
Core capital (leverage) ratio | 8.1684% | 5,521 |
Tier 1 risk-based capital ratio | 12.2150% | 4,567 |
Total risk-based capital ratio | 13.1348% | 4,693 |
Memoranda: | ||
Average total assets | $92,343,200 | 4,505 |
Average earning assets | $84,783,600 | 4,500 |
Average equity | $7,755,000 | 4,971 |
Average total loans | $47,324,000 | 4,656 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0308% | 3,106 |
Cost of funding earning assets | 0.4244% | 2,788 |
Net interest margin | 3.6064% | 3,051 |
Noninterest income to average assets | 0.6567% | 2,380 |
Noninterest expense to average assets | 3.0365% | 2,209 |
Loan and lease loss provision to assets | 0.0294% | 3,653 |
Net operating income to assets | 0.6393% | 4,124 |
Return on assets (ROA) | 0.7551% | 3,712 |
Pretax return on assets | 1.0621% | 3,386 |
Return on Equity (ROE) | 8.8528% | 2,579 |
Retained earnings to average equity (ytd only) | 6.9065% | 1,671 |
Net charge-offs to loans | 0.1000% | 1,948 |
Credit loss provision to net charge-offs | 57.1429% | 2,944 |
Earnings coverage of net charge-offs (x) | 18.0555% | 2,018 |
Efficiency ratio | 76.5839% | 1,899 |
Assets per employee ($millions) | 4.0656% | 3,846 |
Cash dividends to net income (ytd only)* | 21.9839% | 3,146 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1579% | 3,497 |
Loan loss allowance to noncurrent loans | 148.5488% | 2,811 |
Noncurrent assets plus other real estate owned to assets | 0.5749% | 3,182 |
Noncurrent loans to loans | 0.7795% | 2,728 |
Net loans and leases to total assets | 49.2524% | 4,873 |
Net loans and leases to deposits | 55.9595% | 5,000 |
Net loans and leases to core deposits | 62.1692% | 4,816 |
Total domestic deposits to total assets | 88.0143% | 1,401 |
Equity capital to assets | 8.1875% | 5,675 |
Core capital (leverage) ratio | 8.2561% | 5,533 |
Tier 1 risk-based capital ratio | 11.7676% | 4,939 |
Total risk-based capital ratio | 12.6209% | 5,073 |
Memoranda: | ||
Average total assets | $90,761,000 | 4,565 |
Average earning assets | $83,256,500 | 4,567 |
Average equity | $7,741,250 | 5,024 |
Average total loans | $46,666,500 | 4,714 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0510% | 3,060 |
Cost of funding earning assets | 0.4369% | 2,682 |
Net interest margin | 3.6140% | 3,040 |
Noninterest income to average assets | 0.1921% | 5,349 |
Noninterest expense to average assets | 3.1122% | 2,021 |
Loan and lease loss provision to assets | 0.0452% | 3,246 |
Net operating income to assets | 0.2384% | 5,448 |
Return on assets (ROA) | 0.8001% | 3,449 |
Pretax return on assets | 1.1346% | 3,062 |
Return on Equity (ROE) | 9.2444% | 2,381 |
Retained earnings to average equity (ytd only) | 7.2859% | 1,478 |
Net charge-offs to loans | 1.2213% | 139 |
Credit loss provision to net charge-offs | 7.1174% | 3,016 |
Earnings coverage of net charge-offs (x) | 0.6121% | 3,505 |
Efficiency ratio | 88.8961% | 667 |
Assets per employee ($millions) | 3.6797% | 4,475 |
Cash dividends to net income (ytd only)* | 21.1864% | 3,158 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6600% | 5,589 |
Loan loss allowance to noncurrent loans | 57.4275% | 4,641 |
Noncurrent assets plus other real estate owned to assets | 0.6000% | 3,224 |
Noncurrent loans to loans | 1.1493% | 1,997 |
Net loans and leases to total assets | 51.8670% | 4,688 |
Net loans and leases to deposits | 59.3222% | 4,833 |
Net loans and leases to core deposits | 64.5595% | 4,703 |
Total domestic deposits to total assets | 87.4327% | 1,699 |
Equity capital to assets | 8.6333% | 5,519 |
Core capital (leverage) ratio | 8.7318% | 5,135 |
Tier 1 risk-based capital ratio | 11.6872% | 5,037 |
Total risk-based capital ratio | 12.1721% | 5,387 |
Memoranda: | ||
Average total assets | $88,489,670 | 4,648 |
Average earning assets | $81,017,670 | 4,641 |
Average equity | $7,658,670 | 5,077 |
Average total loans | $46,015,000 | 4,767 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0949% | 2,859 |
Cost of funding earning assets | 0.4550% | 2,528 |
Net interest margin | 3.6399% | 2,925 |
Noninterest income to average assets | 0.2444% | 4,988 |
Noninterest expense to average assets | 3.1128% | 2,064 |
Loan and lease loss provision to assets | 0.0461% | 2,994 |
Net operating income to assets | 0.3145% | 5,261 |
Return on assets (ROA) | 0.4565% | 4,886 |
Pretax return on assets | 0.5903% | 4,847 |
Return on Equity (ROE) | 5.2681% | 4,355 |
Retained earnings to average equity (ytd only) | 3.2460% | 3,872 |
Net charge-offs to loans | -0.0089% | 4,474 |
Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3221% | 865 |
Assets per employee ($millions) | 3.5001% | 4,807 |
Cash dividends to net income (ytd only)* | 38.3838% | 2,139 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3085% | 2,860 |
Loan loss allowance to noncurrent loans | 58.7824% | 4,609 |
Noncurrent assets plus other real estate owned to assets | 1.2285% | 1,774 |
Noncurrent loans to loans | 2.2259% | 915 |
Net loans and leases to total assets | 50.7708% | 4,740 |
Net loans and leases to deposits | 58.1089% | 4,845 |
Net loans and leases to core deposits | 66.3609% | 4,514 |
Total domestic deposits to total assets | 87.3719% | 2,016 |
Equity capital to assets | 8.6568% | 5,454 |
Core capital (leverage) ratio | 8.6365% | 5,255 |
Tier 1 risk-based capital ratio | 11.8192% | 5,040 |
Total risk-based capital ratio | 12.7569% | 5,135 |
Memoranda: | ||
Average total assets | $86,738,000 | 4,716 |
Average earning assets | $79,122,000 | 4,726 |
Average equity | $7,517,000 | 5,139 |
Average total loans | $45,007,000 | 4,830 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0746% | 3,022 |
Cost of funding earning assets | 0.4219% | 2,919 |
Net interest margin | 3.6527% | 2,928 |
Noninterest income to average assets | 0.1861% | 5,481 |
Noninterest expense to average assets | 2.7086% | 3,554 |
Loan and lease loss provision to assets | 0.1514% | 1,557 |
Net operating income to assets | 0.4963% | 4,705 |
Return on assets (ROA) | 0.5335% | 4,650 |
Pretax return on assets | 0.6936% | 4,544 |
Return on Equity (ROE) | 5.8502% | 4,103 |
Retained earnings to average equity (ytd only) | 3.8094% | 3,326 |
Net charge-offs to loans | 0.1664% | 1,703 |
Credit loss provision to net charge-offs | 203.3333% | 1,371 |
Earnings coverage of net charge-offs (x) | 10.7000% | 2,660 |
Efficiency ratio | 77.2743% | 2,078 |
Assets per employee ($millions) | 3.9079% | 4,107 |
Cash dividends to net income (ytd only)* | 34.8837% | 3,103 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2845% | 2,996 |
Loan loss allowance to noncurrent loans | 65.6073% | 4,497 |
Noncurrent assets plus other real estate owned to assets | 1.1097% | 1,973 |
Noncurrent loans to loans | 1.9578% | 1,078 |
Net loans and leases to total assets | 51.6685% | 4,723 |
Net loans and leases to deposits | 59.4850% | 4,804 |
Net loans and leases to core deposits | 69.1474% | 4,364 |
Total domestic deposits to total assets | 86.8598% | 2,212 |
Equity capital to assets | 8.6760% | 5,408 |
Core capital (leverage) ratio | 8.5342% | 5,389 |
Tier 1 risk-based capital ratio | 12.0147% | 4,938 |
Total risk-based capital ratio | 12.9615% | 5,042 |
Memoranda: | ||
Average total assets | $80,596,000 | 4,858 |
Average earning assets | $73,234,000 | 4,874 |
Average equity | $7,350,200 | 5,179 |
Average total loans | $36,064,400 | 5,151 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9576% | 3,512 |
Cost of funding earning assets | 0.4130% | 3,082 |
Net interest margin | 3.5446% | 3,363 |
Noninterest income to average assets | 0.2153% | 5,367 |
Noninterest expense to average assets | 2.5572% | 4,024 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.6479% | 4,142 |
Return on assets (ROA) | 0.6965% | 4,026 |
Pretax return on assets | 0.9438% | 3,837 |
Return on Equity (ROE) | 7.5378% | 3,315 |
Retained earnings to average equity (ytd only) | 5.4986% | 2,580 |
Net charge-offs to loans | 0.2089% | 1,244 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 9.8497% | 2,654 |
Efficiency ratio | 74.4368% | 2,484 |
Assets per employee ($millions) | 4.7882% | 2,579 |
Cash dividends to net income (ytd only)* | 27.0530% | 2,945 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1772% | 3,777 |
Loan loss allowance to noncurrent loans | 33.8203% | 5,361 |
Noncurrent assets plus other real estate owned to assets | 1.6731% | 1,302 |
Noncurrent loans to loans | 3.4809% | 449 |
Net loans and leases to total assets | 45.0944% | 5,286 |
Net loans and leases to deposits | 53.5544% | 5,281 |
Net loans and leases to core deposits | 63.0358% | 4,866 |
Total domestic deposits to total assets | 84.2031% | 3,341 |
Equity capital to assets | 8.6439% | 5,613 |
Core capital (leverage) ratio | 9.3525% | 4,510 |
Tier 1 risk-based capital ratio | 13.3193% | 4,239 |
Total risk-based capital ratio | 14.1577% | 4,403 |
Memoranda: | ||
Average total assets | $79,251,750 | 4,943 |
Average earning assets | $71,994,250 | 4,951 |
Average equity | $7,323,000 | 5,249 |
Average total loans | $33,830,750 | 5,290 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0480% | 3,085 |
Cost of funding earning assets | 0.4217% | 3,025 |
Net interest margin | 3.6262% | 2,991 |
Noninterest income to average assets | 0.1846% | 5,588 |
Noninterest expense to average assets | 2.4123% | 4,507 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.7656% | 3,557 |
Return on assets (ROA) | 0.8292% | 3,333 |
Pretax return on assets | 1.1464% | 2,983 |
Return on Equity (ROE) | 8.7629% | 2,677 |
Retained earnings to average equity (ytd only) | 6.7027% | 1,845 |
Net charge-offs to loans | 0.3313% | 794 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 7.6792% | 2,648 |
Efficiency ratio | 69.5131% | 3,412 |
Assets per employee ($millions) | 5.4919% | 1,749 |
Cash dividends to net income (ytd only)* | 23.5110% | 3,070 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3885% | 2,816 |
Loan loss allowance to noncurrent loans | 33.7710% | 5,416 |
Noncurrent assets plus other real estate owned to assets | 2.1499% | 988 |
Noncurrent loans to loans | 4.1116% | 363 |
Net loans and leases to total assets | 42.7672% | 5,453 |
Net loans and leases to deposits | 51.4384% | 5,422 |
Net loans and leases to core deposits | 62.4184% | 4,911 |
Total domestic deposits to total assets | 83.1426% | 3,890 |
Equity capital to assets | 9.4803% | 4,676 |
Core capital (leverage) ratio | 9.2414% | 4,633 |
Tier 1 risk-based capital ratio | 14.2985% | 3,763 |
Total risk-based capital ratio | 15.2194% | 3,884 |
Memoranda: | ||
Average total assets | $76,939,670 | 5,037 |
Average earning assets | $69,714,000 | 5,048 |
Average equity | $7,280,670 | 5,300 |
Average total loans | $31,998,000 | 5,401 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0449% | 3,070 |
Cost of funding earning assets | 0.4125% | 3,163 |
Net interest margin | 3.6324% | 2,887 |
Noninterest income to average assets | 0.2287% | 5,320 |
Noninterest expense to average assets | 2.4270% | 4,524 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7927% | 3,304 |
Return on assets (ROA) | 0.9199% | 2,774 |
Pretax return on assets | 1.2733% | 2,378 |
Return on Equity (ROE) | 9.7300% | 2,121 |
Retained earnings to average equity (ytd only) | 7.6410% | 1,706 |
Net charge-offs to loans | 0.8939% | 270 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 3.0143% | 2,666 |
Efficiency ratio | 68.8791% | 3,683 |
Assets per employee ($millions) | 6.1408% | 1,302 |
Cash dividends to net income (ytd only)* | 21.4689% | 2,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3909% | 2,957 |
Loan loss allowance to noncurrent loans | 46.6040% | 5,118 |
Noncurrent assets plus other real estate owned to assets | 1.5520% | 1,664 |
Noncurrent loans to loans | 2.9846% | 728 |
Net loans and leases to total assets | 39.6079% | 5,617 |
Net loans and leases to deposits | 47.4219% | 5,596 |
Net loans and leases to core deposits | 57.8213% | 5,132 |
Total domestic deposits to total assets | 83.5225% | 4,001 |
Equity capital to assets | 9.2221% | 5,057 |
Core capital (leverage) ratio | 9.4920% | 4,287 |
Tier 1 risk-based capital ratio | 14.7157% | 3,594 |
Total risk-based capital ratio | 15.6334% | 3,704 |
Memoranda: | ||
Average total assets | $76,966,500 | 5,089 |
Average earning assets | $69,815,500 | 5,094 |
Average equity | $7,276,500 | 5,349 |
Average total loans | $31,324,500 | 5,461 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0724% | 3,431 |
Cost of funding earning assets | 0.4800% | 2,879 |
Net interest margin | 3.5924% | 3,441 |
Noninterest income to average assets | 0.1608% | 5,898 |
Noninterest expense to average assets | 2.3357% | 5,009 |
Loan and lease loss provision to assets | 0.0949% | 2,568 |
Net operating income to assets | 0.7127% | 3,825 |
Return on assets (ROA) | 0.8042% | 3,445 |
Pretax return on assets | 1.0847% | 3,146 |
Return on Equity (ROE) | 8.6710% | 2,746 |
Retained earnings to average equity (ytd only) | 6.4477% | 1,678 |
Net charge-offs to loans | 0.0180% | 4,497 |
Credit loss provision to net charge-offs | 1,380.0000% | 204 |
Earnings coverage of net charge-offs (x) | 153.6000% | 352 |
Efficiency ratio | 68.8691% | 3,742 |
Assets per employee ($millions) | 5.7002% | 1,606 |
Cash dividends to net income (ytd only)* | 25.6410% | 3,583 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6872% | 1,807 |
Loan loss allowance to noncurrent loans | 56.5170% | 4,907 |
Noncurrent assets plus other real estate owned to assets | 1.2321% | 2,303 |
Noncurrent loans to loans | 2.9852% | 754 |
Net loans and leases to total assets | 40.5760% | 5,704 |
Net loans and leases to deposits | 48.8180% | 5,641 |
Net loans and leases to core deposits | 58.1215% | 5,256 |
Total domestic deposits to total assets | 83.1167% | 4,035 |
Equity capital to assets | 9.7041% | 4,466 |
Core capital (leverage) ratio | 9.5263% | 4,206 |
Tier 1 risk-based capital ratio | 17.2166% | 2,418 |
Total risk-based capital ratio | 18.4481% | 2,382 |
Memoranda: | ||
Average total assets | $72,740,200 | 5,211 |
Average earning assets | $65,416,200 | 5,243 |
Average equity | $6,746,600 | 5,469 |
Average total loans | $27,851,200 | 5,658 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0322% | 3,632 |
Cost of funding earning assets | 0.4922% | 2,844 |
Net interest margin | 3.5400% | 3,673 |
Noninterest income to average assets | 0.1768% | 5,861 |
Noninterest expense to average assets | 2.2817% | 5,151 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.8048% | 3,411 |
Return on assets (ROA) | 0.9153% | 2,943 |
Pretax return on assets | 1.2210% | 2,700 |
Return on Equity (ROE) | 9.9864% | 2,224 |
Retained earnings to average equity (ytd only) | 7.7360% | 1,473 |
Net charge-offs to loans | -0.4809% | 6,453 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0022% | 3,854 |
Assets per employee ($millions) | 6.1699% | 1,226 |
Cash dividends to net income (ytd only)* | 22.5353% | 3,117 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8013% | 1,691 |
Loan loss allowance to noncurrent loans | 123.0425% | 3,168 |
Noncurrent assets plus other real estate owned to assets | 0.6037% | 4,031 |
Noncurrent loans to loans | 1.4639% | 2,224 |
Net loans and leases to total assets | 40.4976% | 5,787 |
Net loans and leases to deposits | 46.2959% | 5,850 |
Net loans and leases to core deposits | 55.9936% | 5,447 |
Total domestic deposits to total assets | 87.4755% | 2,044 |
Equity capital to assets | 9.4923% | 4,802 |
Core capital (leverage) ratio | 9.6365% | 4,175 |
Tier 1 risk-based capital ratio | 17.2432% | 2,501 |
Total risk-based capital ratio | 18.4831% | 2,470 |
Memoranda: | ||
Average total assets | $72,399,500 | 5,278 |
Average earning assets | $65,008,500 | 5,307 |
Average equity | $6,635,500 | 5,547 |
Average total loans | $27,168,000 | 5,747 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0080% | 3,700 |
Cost of funding earning assets | 0.4971% | 2,862 |
Net interest margin | 3.5109% | 3,738 |
Noninterest income to average assets | 0.1809% | 5,862 |
Noninterest expense to average assets | 2.3437% | 5,044 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.7321% | 3,664 |
Return on assets (ROA) | 0.8991% | 2,909 |
Pretax return on assets | 1.2052% | 2,650 |
Return on Equity (ROE) | 9.9313% | 2,179 |
Retained earnings to average equity (ytd only) | 7.6253% | 1,469 |
Net charge-offs to loans | -0.7141% | 6,546 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.4603% | 3,582 |
Assets per employee ($millions) | 6.1163% | 1,212 |
Cash dividends to net income (ytd only)* | 23.2198% | 3,065 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9011% | 1,586 |
Loan loss allowance to noncurrent loans | 81.7091% | 4,130 |
Noncurrent assets plus other real estate owned to assets | 0.9088% | 3,274 |
Noncurrent loans to loans | 2.3267% | 1,389 |
Net loans and leases to total assets | 38.3154% | 5,937 |
Net loans and leases to deposits | 46.1349% | 5,881 |
Net loans and leases to core deposits | 55.7589% | 5,432 |
Total domestic deposits to total assets | 83.0508% | 4,283 |
Equity capital to assets | 9.3030% | 4,979 |
Core capital (leverage) ratio | 9.5507% | 4,252 |
Tier 1 risk-based capital ratio | 17.4028% | 2,461 |
Total risk-based capital ratio | 18.6291% | 2,427 |
Memoranda: | ||
Average total assets | $71,853,000 | 5,340 |
Average earning assets | $64,371,670 | 5,375 |
Average equity | $6,504,670 | 5,600 |
Average total loans | $26,046,000 | 5,841 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0059% | 3,658 |
Cost of funding earning assets | 0.4984% | 2,923 |
Net interest margin | 3.5075% | 3,658 |
Noninterest income to average assets | 0.2195% | 5,601 |
Noninterest expense to average assets | 2.4817% | 4,680 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.6593% | 3,898 |
Return on assets (ROA) | 0.8047% | 3,210 |
Pretax return on assets | 1.0579% | 3,094 |
Return on Equity (ROE) | 9.0178% | 2,455 |
Retained earnings to average equity (ytd only) | 6.6215% | 2,224 |
Net charge-offs to loans | -1.2128% | 6,641 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.1176% | 3,119 |
Assets per employee ($millions) | 5.5021% | 1,708 |
Cash dividends to net income (ytd only)* | 26.5734% | 2,380 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0418% | 1,440 |
Loan loss allowance to noncurrent loans | 2,509.5238% | 232 |
Noncurrent assets plus other real estate owned to assets | 0.0294% | 6,206 |
Noncurrent loans to loans | 0.0814% | 5,897 |
Net loans and leases to total assets | 35.3489% | 6,102 |
Net loans and leases to deposits | 45.2097% | 5,906 |
Net loans and leases to core deposits | 52.7189% | 5,578 |
Total domestic deposits to total assets | 78.1887% | 5,802 |
Equity capital to assets | 9.0497% | 5,058 |
Core capital (leverage) ratio | 9.2013% | 4,720 |
Tier 1 risk-based capital ratio | 17.7941% | 2,380 |
Total risk-based capital ratio | 19.0274% | 2,354 |
Memoranda: | ||
Average total assets | $71,081,500 | 5,405 |
Average earning assets | $63,406,500 | 5,459 |
Average equity | $6,343,000 | 5,679 |
Average total loans | $24,735,500 | 5,948 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4989% | 5,651 |
Cost of funding earning assets | 0.6042% | 2,623 |
Net interest margin | 2.8948% | 5,796 |
Noninterest income to average assets | -0.2175% | 6,765 |
Noninterest expense to average assets | 2.4358% | 4,970 |
Loan and lease loss provision to assets | 0.0281% | 4,555 |
Net operating income to assets | 0.0140% | 6,189 |
Return on assets (ROA) | 0.1389% | 6,027 |
Pretax return on assets | 0.0182% | 6,204 |
Return on Equity (ROE) | 1.5248% | 5,983 |
Retained earnings to average equity (ytd only) | -0.7855% | 6,026 |
Net charge-offs to loans | 0.2561% | 2,432 |
Credit loss provision to net charge-offs | 37.0370% | 4,097 |
Earnings coverage of net charge-offs (x) | -1.0370% | 5,264 |
Efficiency ratio | 103.3333% | 389 |
Assets per employee ($millions) | 5.4335% | 1,720 |
Cash dividends to net income (ytd only)* | 151.5152% | 147 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9104% | 1,761 |
Loan loss allowance to noncurrent loans | 313.8889% | 1,413 |
Noncurrent assets plus other real estate owned to assets | 0.2039% | 5,683 |
Noncurrent loans to loans | 0.6086% | 4,455 |
Net loans and leases to total assets | 32.8558% | 6,348 |
Net loans and leases to deposits | 40.4581% | 6,285 |
Net loans and leases to core deposits | 48.0079% | 6,033 |
Total domestic deposits to total assets | 81.2093% | 5,118 |
Equity capital to assets | 8.7958% | 5,262 |
Core capital (leverage) ratio | 9.1964% | 4,728 |
Tier 1 risk-based capital ratio | 18.6387% | 2,032 |
Total risk-based capital ratio | 19.8711% | 2,009 |
Memoranda: | ||
Average total assets | $71,269,200 | 5,435 |
Average earning assets | $63,390,600 | 5,487 |
Average equity | $6,492,800 | 5,695 |
Average total loans | $21,083,400 | 6,148 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3769% | 5,932 |
Cost of funding earning assets | 0.6174% | 2,667 |
Net interest margin | 2.7594% | 6,081 |
Noninterest income to average assets | 0.1456% | 6,303 |
Noninterest expense to average assets | 2.5200% | 4,656 |
Loan and lease loss provision to assets | 0.2520% | 1,417 |
Net operating income to assets | 0.0131% | 6,278 |
Return on assets (ROA) | 0.1195% | 6,167 |
Pretax return on assets | -0.0075% | 6,329 |
Return on Equity (ROE) | 1.3002% | 6,122 |
Retained earnings to average equity (ytd only) | -0.9955% | 6,133 |
Net charge-offs to loans | 0.2022% | 2,617 |
Credit loss provision to net charge-offs | 435.4839% | 605 |
Earnings coverage of net charge-offs (x) | 1.3549% | 4,387 |
Efficiency ratio | 96.9828% | 576 |
Assets per employee ($millions) | 5.4785% | 1,646 |
Cash dividends to net income (ytd only)* | 176.5616% | 87 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6538% | 787 |
Loan loss allowance to noncurrent loans | 1,180.0000% | 408 |
Noncurrent assets plus other real estate owned to assets | 0.0702% | 6,228 |
Noncurrent loans to loans | 0.2249% | 5,671 |
Net loans and leases to total assets | 30.3875% | 6,522 |
Net loans and leases to deposits | 36.3890% | 6,495 |
Net loans and leases to core deposits | 42.9268% | 6,355 |
Total domestic deposits to total assets | 83.5074% | 4,374 |
Equity capital to assets | 8.6142% | 5,608 |
Core capital (leverage) ratio | 9.1306% | 4,922 |
Tier 1 risk-based capital ratio | 18.9190% | 2,015 |
Total risk-based capital ratio | 20.1752% | 1,971 |
Memoranda: | ||
Average total assets | $71,427,500 | 5,490 |
Average earning assets | $63,489,500 | 5,545 |
Average equity | $6,562,750 | 5,746 |
Average total loans | $20,439,250 | 6,242 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3431% | 6,014 |
Cost of funding earning assets | 0.6259% | 2,724 |
Net interest margin | 2.7173% | 6,152 |
Noninterest income to average assets | 0.1231% | 6,437 |
Noninterest expense to average assets | 2.5959% | 4,404 |
Loan and lease loss provision to assets | 0.2518% | 1,472 |
Net operating income to assets | -0.0754% | 6,383 |
Return on assets (ROA) | 0.0839% | 6,252 |
Pretax return on assets | -0.0587% | 6,402 |
Return on Equity (ROE) | 0.8948% | 6,232 |
Retained earnings to average equity (ytd only) | -1.3422% | 6,101 |
Net charge-offs to loans | 0.3629% | 1,751 |
Credit loss provision to net charge-offs | 250.0000% | 995 |
Earnings coverage of net charge-offs (x) | -0.5556% | 4,671 |
Efficiency ratio | 102.2026% | 423 |
Assets per employee ($millions) | 5.4771% | 1,613 |
Cash dividends to net income (ytd only)* | 250.0000% | 60 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6741% | 811 |
Loan loss allowance to noncurrent loans | 1,542.8571% | 331 |
Noncurrent assets plus other real estate owned to assets | 0.0492% | 6,359 |
Noncurrent loans to loans | 0.1733% | 5,882 |
Net loans and leases to total assets | 27.6032% | 6,640 |
Net loans and leases to deposits | 31.0083% | 6,677 |
Net loans and leases to core deposits | 36.1161% | 6,603 |
Total domestic deposits to total assets | 89.0186% | 1,626 |
Equity capital to assets | 8.8073% | 5,436 |
Core capital (leverage) ratio | 9.2259% | 4,659 |
Tier 1 risk-based capital ratio | 19.9801% | 1,725 |
Total risk-based capital ratio | 21.2349% | 1,693 |
Memoranda: | ||
Average total assets | $71,496,670 | 5,522 |
Average earning assets | $63,593,000 | 5,579 |
Average equity | $6,705,330 | 5,756 |
Average total loans | $19,841,670 | 6,314 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3354% | 6,078 |
Cost of funding earning assets | 0.6520% | 2,640 |
Net interest margin | 2.6834% | 6,244 |
Noninterest income to average assets | 0.1061% | 6,551 |
Noninterest expense to average assets | 2.4231% | 5,043 |
Loan and lease loss provision to assets | 0.2512% | 1,429 |
Net operating income to assets | -0.0056% | 6,351 |
Return on assets (ROA) | -0.0056% | 6,425 |
Pretax return on assets | -0.1787% | 6,537 |
Return on Equity (ROE) | -0.0578% | 6,427 |
Retained earnings to average equity (ytd only) | -2.1957% | 6,098 |
Net charge-offs to loans | 0.5085% | 1,183 |
Credit loss provision to net charge-offs | 180.0000% | 1,182 |
Earnings coverage of net charge-offs (x) | 0.5200% | 3,646 |
Efficiency ratio | 97.0917% | 675 |
Assets per employee ($millions) | 5.0246% | 2,182 |
Cash dividends to net income (ytd only)* | -3,700.0000% | 7,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6437% | 974 |
Loan loss allowance to noncurrent loans | 372.0588% | 1,097 |
Noncurrent assets plus other real estate owned to assets | 0.1933% | 5,990 |
Noncurrent loans to loans | 0.7106% | 4,705 |
Net loans and leases to total assets | 26.4898% | 6,715 |
Net loans and leases to deposits | 30.5536% | 6,731 |
Net loans and leases to core deposits | 35.5428% | 6,634 |
Total domestic deposits to total assets | 86.6996% | 3,129 |
Equity capital to assets | 9.8089% | 4,405 |
Core capital (leverage) ratio | 9.2918% | 4,414 |
Tier 1 risk-based capital ratio | 20.4939% | 1,652 |
Total risk-based capital ratio | 21.7180% | 1,628 |
Memoranda: | ||
Average total assets | $71,644,000 | 5,575 |
Average earning assets | $63,800,000 | 5,622 |
Average equity | $6,922,500 | 5,763 |
Average total loans | $19,665,500 | 6,377 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6136% | 6,205 |
Cost of funding earning assets | 1.0393% | 1,169 |
Net interest margin | 2.5743% | 6,654 |
Noninterest income to average assets | 0.1335% | 6,375 |
Noninterest expense to average assets | 2.1319% | 6,061 |
Loan and lease loss provision to assets | 0.4622% | 1,357 |
Net operating income to assets | -0.0187% | 6,197 |
Return on assets (ROA) | 0.0734% | 6,195 |
Pretax return on assets | -0.0235% | 6,306 |
Return on Equity (ROE) | 0.7225% | 6,181 |
Retained earnings to average equity (ytd only) | -1.4450% | 6,083 |
Net charge-offs to loans | 1.5202% | 580 |
Credit loss provision to net charge-offs | 103.6184% | 2,889 |
Earnings coverage of net charge-offs (x) | 0.6612% | 5,154 |
Efficiency ratio | 87.8476% | 1,256 |
Assets per employee ($millions) | 6.0787% | 1,236 |
Cash dividends to net income (ytd only)* | 300.0000% | 67 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4070% | 1,223 |
Loan loss allowance to noncurrent loans | 481.1881% | 848 |
Noncurrent assets plus other real estate owned to assets | 0.1385% | 6,219 |
Noncurrent loans to loans | 0.5002% | 5,286 |
Net loans and leases to total assets | 27.0139% | 6,784 |
Net loans and leases to deposits | 31.8702% | 6,790 |
Net loans and leases to core deposits | 36.7960% | 6,706 |
Total domestic deposits to total assets | 84.7623% | 3,960 |
Equity capital to assets | 9.5210% | 4,847 |
Core capital (leverage) ratio | 9.0154% | 4,875 |
Tier 1 risk-based capital ratio | 19.8374% | 1,721 |
Total risk-based capital ratio | 21.0629% | 1,698 |
Memoranda: | ||
Average total assets | $68,155,000 | 5,670 |
Average earning assets | $60,714,800 | 5,718 |
Average equity | $6,920,600 | 5,786 |
Average total loans | $19,998,000 | 6,425 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7104% | 6,203 |
Cost of funding earning assets | 1.1160% | 996 |
Net interest margin | 2.5944% | 6,765 |
Noninterest income to average assets | 0.1374% | 6,457 |
Noninterest expense to average assets | 2.1366% | 6,096 |
Loan and lease loss provision to assets | 0.5376% | 1,099 |
Net operating income to assets | -0.0652% | 6,359 |
Return on assets (ROA) | 0.0597% | 6,334 |
Pretax return on assets | -0.0319% | 6,426 |
Return on Equity (ROE) | 0.5785% | 6,332 |
Retained earnings to average equity (ytd only) | -1.5812% | 6,346 |
Net charge-offs to loans | -0.0401% | 6,655 |
Credit loss provision to net charge-offs | -4,500.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3068% | 1,272 |
Assets per employee ($millions) | 6.3151% | 1,053 |
Cash dividends to net income (ytd only)* | 373.3250% | 25 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6095% | 424 |
Loan loss allowance to noncurrent loans | 610.5691% | 647 |
Noncurrent assets plus other real estate owned to assets | 0.1623% | 6,296 |
Noncurrent loans to loans | 0.5912% | 5,260 |
Net loans and leases to total assets | 26.4644% | 6,910 |
Net loans and leases to deposits | 31.9144% | 6,918 |
Net loans and leases to core deposits | 38.6223% | 6,786 |
Total domestic deposits to total assets | 82.9232% | 4,669 |
Equity capital to assets | 9.2741% | 5,501 |
Core capital (leverage) ratio | 9.6630% | 4,028 |
Tier 1 risk-based capital ratio | 19.5662% | 1,862 |
Total risk-based capital ratio | 20.8039% | 1,840 |
Memoranda: | ||
Average total assets | $66,957,750 | 5,778 |
Average earning assets | $59,614,250 | 5,823 |
Average equity | $6,914,500 | 5,852 |
Average total loans | $19,949,750 | 6,514 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8225% | 6,088 |
Cost of funding earning assets | 1.1835% | 883 |
Net interest margin | 2.6390% | 6,784 |
Noninterest income to average assets | 0.1281% | 6,548 |
Noninterest expense to average assets | 2.1744% | 6,070 |
Loan and lease loss provision to assets | 0.7029% | 776 |
Net operating income to assets | -0.1928% | 6,537 |
Return on assets (ROA) | 0.0031% | 6,451 |
Pretax return on assets | -0.1093% | 6,525 |
Return on Equity (ROE) | 0.0291% | 6,452 |
Retained earnings to average equity (ytd only) | -2.1522% | 6,375 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.3249% | 1,206 |
Assets per employee ($millions) | 6.4695% | 974 |
Cash dividends to net income (ytd only)* | 7,500.0000% | 1 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6130% | 457 |
Loan loss allowance to noncurrent loans | 708.0808% | 558 |
Noncurrent assets plus other real estate owned to assets | 0.1530% | 6,409 |
Noncurrent loans to loans | 0.5103% | 5,510 |
Net loans and leases to total assets | 28.9064% | 6,905 |
Net loans and leases to deposits | 32.8965% | 6,943 |
Net loans and leases to core deposits | 40.2224% | 6,799 |
Total domestic deposits to total assets | 87.8708% | 2,231 |
Equity capital to assets | 10.6144% | 3,550 |
Core capital (leverage) ratio | 10.4802% | 2,827 |
Tier 1 risk-based capital ratio | 20.6887% | 1,531 |
Total risk-based capital ratio | 21.9249% | 1,515 |
Memoranda: | ||
Average total assets | $64,016,670 | 5,917 |
Average earning assets | $56,611,670 | 5,954 |
Average equity | $6,876,670 | 5,883 |
Average total loans | $19,664,330 | 6,580 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9278% | 5,952 |
Cost of funding earning assets | 1.1954% | 1,008 |
Net interest margin | 2.7324% | 6,734 |
Noninterest income to average assets | 0.1319% | 6,588 |
Noninterest expense to average assets | 2.1546% | 6,142 |
Loan and lease loss provision to assets | 1.1307% | 350 |
Net operating income to assets | -0.4020% | 6,774 |
Return on assets (ROA) | -0.4020% | 6,809 |
Pretax return on assets | -0.7412% | 6,912 |
Return on Equity (ROE) | -3.7201% | 6,789 |
Retained earnings to average equity (ytd only) | -5.8708% | 6,647 |
Net charge-offs to loans | -0.1010% | 6,787 |
Credit loss provision to net charge-offs | -3,600.0000% | 6,157 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6914% | 1,613 |
Assets per employee ($millions) | 6.2389% | 1,134 |
Cash dividends to net income (ytd only)* | -57.8125% | 7,281 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4316% | 562 |
Loan loss allowance to noncurrent loans | 1,269.2308% | 327 |
Noncurrent assets plus other real estate owned to assets | 0.2180% | 6,344 |
Noncurrent loans to loans | 0.2704% | 6,141 |
Net loans and leases to total assets | 29.7697% | 6,916 |
Net loans and leases to deposits | 34.1296% | 6,949 |
Net loans and leases to core deposits | 40.3147% | 6,806 |
Total domestic deposits to total assets | 87.2253% | 2,813 |
Equity capital to assets | 10.9811% | 2,926 |
Core capital (leverage) ratio | 10.3732% | 2,906 |
Tier 1 risk-based capital ratio | 20.7959% | 1,525 |
Total risk-based capital ratio | 22.0373% | 1,497 |
Memoranda: | ||
Average total assets | $63,677,500 | 5,963 |
Average earning assets | $56,214,000 | 5,998 |
Average equity | $6,881,500 | 5,906 |
Average total loans | $19,795,500 | 6,622 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6436% | 4,479 |
Cost of funding earning assets | 1.4120% | 986 |
Net interest margin | 3.2316% | 6,008 |
Noninterest income to average assets | 0.1660% | 6,299 |
Noninterest expense to average assets | 2.4968% | 5,475 |
Loan and lease loss provision to assets | 0.5484% | 1,899 |
Net operating income to assets | -0.0631% | 6,123 |
Return on assets (ROA) | 0.1245% | 5,930 |
Pretax return on assets | 0.1118% | 5,951 |
Return on Equity (ROE) | 1.0022% | 5,968 |
Retained earnings to average equity (ytd only) | -0.6391% | 5,954 |
Net charge-offs to loans | 1.2884% | 1,282 |
Credit loss provision to net charge-offs | 106.2937% | 3,199 |
Earnings coverage of net charge-offs (x) | 0.9161% | 5,115 |
Efficiency ratio | 84.0826% | 1,757 |
Assets per employee ($millions) | 6.4966% | 963 |
Cash dividends to net income (ytd only)* | 163.7681% | 120 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3332% | 1,570 |
Loan loss allowance to noncurrent loans | 969.3878% | 400 |
Noncurrent assets plus other real estate owned to assets | 0.2047% | 6,448 |
Noncurrent loans to loans | 0.2407% | 6,251 |
Net loans and leases to total assets | 30.6052% | 6,989 |
Net loans and leases to deposits | 36.6852% | 6,982 |
Net loans and leases to core deposits | 42.4352% | 6,872 |
Total domestic deposits to total assets | 83.4267% | 4,578 |
Equity capital to assets | 10.6394% | 3,376 |
Core capital (leverage) ratio | 10.3887% | 2,859 |
Tier 1 risk-based capital ratio | 19.9847% | 1,648 |
Total risk-based capital ratio | 21.2036% | 1,627 |
Memoranda: | ||
Average total assets | $55,431,600 | 6,185 |
Average earning assets | $48,087,400 | 6,256 |
Average equity | $6,885,000 | 5,895 |
Average total loans | $22,198,800 | 6,546 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8571% | 3,746 |
Cost of funding earning assets | 1.4694% | 954 |
Net interest margin | 3.3877% | 5,608 |
Noninterest income to average assets | 0.1659% | 6,404 |
Noninterest expense to average assets | 2.6466% | 4,918 |
Loan and lease loss provision to assets | 0.6510% | 1,510 |
Net operating income to assets | -0.1835% | 6,366 |
Return on assets (ROA) | 0.0779% | 6,129 |
Pretax return on assets | 0.0503% | 6,158 |
Return on Equity (ROE) | 0.6009% | 6,154 |
Retained earnings to average equity (ytd only) | -1.5702% | 6,237 |
Net charge-offs to loans | 1.2004% | 1,305 |
Credit loss provision to net charge-offs | 126.9608% | 2,526 |
Earnings coverage of net charge-offs (x) | 0.8579% | 4,975 |
Efficiency ratio | 85.7492% | 1,562 |
Assets per employee ($millions) | 6.7182% | 843 |
Cash dividends to net income (ytd only)* | 361.3114% | 27 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5284% | 1,356 |
Loan loss allowance to noncurrent loans | 166.7752% | 1,825 |
Noncurrent assets plus other real estate owned to assets | 0.4570% | 5,947 |
Noncurrent loans to loans | 1.5160% | 4,011 |
Net loans and leases to total assets | 29.3799% | 7,103 |
Net loans and leases to deposits | 33.3361% | 7,150 |
Net loans and leases to core deposits | 39.0372% | 7,061 |
Total domestic deposits to total assets | 88.1322% | 1,970 |
Equity capital to assets | 10.2989% | 3,953 |
Core capital (leverage) ratio | 6.5927% | 7,054 |
Tier 1 risk-based capital ratio | 11.9466% | 5,930 |
Total risk-based capital ratio | 22.7648% | 1,340 |
Memoranda: | ||
Average total assets | $53,048,000 | 6,310 |
Average earning assets | $45,733,000 | 6,395 |
Average equity | $6,878,250 | 5,937 |
Average total loans | $22,659,000 | 6,592 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3753% | 1,634 |
Cost of funding earning assets | 1.6014% | 688 |
Net interest margin | 3.7740% | 3,916 |
Noninterest income to average assets | 0.1903% | 6,305 |
Noninterest expense to average assets | 2.8591% | 4,192 |
Loan and lease loss provision to assets | 0.8648% | 1,040 |
Net operating income to assets | -0.2772% | 6,542 |
Return on assets (ROA) | 0.0703% | 6,161 |
Pretax return on assets | 0.0124% | 6,251 |
Return on Equity (ROE) | 0.4953% | 6,195 |
Retained earnings to average equity (ytd only) | -1.6607% | 6,189 |
Net charge-offs to loans | 1.7560% | 810 |
Credit loss provision to net charge-offs | 101.4563% | 3,060 |
Earnings coverage of net charge-offs (x) | 0.6214% | 4,834 |
Efficiency ratio | 84.3712% | 1,772 |
Assets per employee ($millions) | 5.3185% | 1,739 |
Cash dividends to net income (ytd only)* | 435.2941% | 26 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0331% | 2,278 |
Loan loss allowance to noncurrent loans | 93.4959% | 3,070 |
Noncurrent assets plus other real estate owned to assets | 0.9251% | 5,017 |
Noncurrent loans to loans | 2.1745% | 3,251 |
Net loans and leases to total assets | 41.6772% | 6,614 |
Net loans and leases to deposits | 48.9597% | 6,671 |
Net loans and leases to core deposits | 58.9020% | 6,198 |
Total domestic deposits to total assets | 85.1255% | 3,823 |
Equity capital to assets | 12.9228% | 1,559 |
Core capital (leverage) ratio | 7.5559% | 6,707 |
Tier 1 risk-based capital ratio | 11.2894% | 6,324 |
Total risk-based capital ratio | 21.5192% | 1,531 |
Memoranda: | ||
Average total assets | $48,336,670 | 6,530 |
Average earning assets | $40,965,000 | 6,601 |
Average equity | $6,864,670 | 5,957 |
Average total loans | $23,462,000 | 6,616 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7391% | 817 |
Cost of funding earning assets | 1.6531% | 671 |
Net interest margin | 4.0860% | 2,321 |
Noninterest income to average assets | 0.1830% | 6,413 |
Noninterest expense to average assets | 2.9796% | 3,730 |
Loan and lease loss provision to assets | 0.7754% | 1,099 |
Net operating income to assets | -0.0261% | 6,385 |
Return on assets (ROA) | -0.0261% | 6,407 |
Pretax return on assets | -0.1481% | 6,492 |
Return on Equity (ROE) | -0.1749% | 6,400 |
Retained earnings to average equity (ytd only) | -2.3905% | 6,206 |
Net charge-offs to loans | 0.8040% | 1,618 |
Credit loss provision to net charge-offs | 185.4167% | 1,582 |
Earnings coverage of net charge-offs (x) | 1.5000% | 3,583 |
Efficiency ratio | 82.6087% | 2,136 |
Assets per employee ($millions) | 4.8384% | 2,366 |
Cash dividends to net income (ytd only)* | -1,266.6667% | 7,562 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1631% | 2,047 |
Loan loss allowance to noncurrent loans | 541.3043% | 605 |
Noncurrent assets plus other real estate owned to assets | 0.1901% | 6,680 |
Noncurrent loans to loans | 0.3996% | 6,196 |
Net loans and leases to total assets | 46.5526% | 6,231 |
Net loans and leases to deposits | 55.8340% | 6,146 |
Net loans and leases to core deposits | 67.3303% | 5,381 |
Total domestic deposits to total assets | 83.3767% | 4,754 |
Equity capital to assets | 14.2382% | 940 |
Core capital (leverage) ratio | 8.5076% | 5,437 |
Tier 1 risk-based capital ratio | 11.8260% | 5,836 |
Total risk-based capital ratio | 22.4720% | 1,331 |
Memoranda: | ||
Average total assets | $45,912,500 | 6,642 |
Average earning assets | $38,473,000 | 6,745 |
Average equity | $6,860,500 | 5,971 |
Average total loans | $23,880,000 | 6,654 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3027% | 462 |
Cost of funding earning assets | 2.1562% | 353 |
Net interest margin | 4.1465% | 2,380 |
Noninterest income to average assets | 0.0230% | 7,209 |
Noninterest expense to average assets | 3.3240% | 2,659 |
Loan and lease loss provision to assets | 0.9641% | 1,681 |
Net operating income to assets | -0.4730% | 6,372 |
Return on assets (ROA) | -0.4201% | 6,360 |
Pretax return on assets | -0.7392% | 6,481 |
Return on Equity (ROE) | -3.1178% | 6,287 |
Retained earnings to average equity (ytd only) | -4.4978% | 6,245 |
Net charge-offs to loans | 1.7079% | 1,266 |
Credit loss provision to net charge-offs | 101.6949% | 4,456 |
Earnings coverage of net charge-offs (x) | 0.1501% | 5,964 |
Efficiency ratio | 95.8940% | 976 |
Assets per employee ($millions) | 4.3441% | 3,120 |
Cash dividends to net income (ytd only)* | -44.2623% | 7,578 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8474% | 2,697 |
Loan loss allowance to noncurrent loans | 486.1702% | 655 |
Noncurrent assets plus other real estate owned to assets | 0.2164% | 6,690 |
Noncurrent loans to loans | 0.3800% | 6,286 |
Net loans and leases to total assets | 55.8942% | 5,361 |
Net loans and leases to deposits | 68.8979% | 4,971 |
Net loans and leases to core deposits | 84.0580% | 3,588 |
Total domestic deposits to total assets | 81.1261% | 5,486 |
Equity capital to assets | 15.7271% | 634 |
Core capital (leverage) ratio | 8.9628% | 4,604 |
Tier 1 risk-based capital ratio | 11.6284% | 5,791 |
Total risk-based capital ratio | 21.9904% | 1,337 |
Memoranda: | ||
Average total assets | $43,561,800 | 6,750 |
Average earning assets | $36,175,000 | 6,877 |
Average equity | $5,869,600 | 6,403 |
Average total loans | $24,181,800 | 6,723 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3778% | 435 |
Cost of funding earning assets | 2.2991% | 276 |
Net interest margin | 4.0787% | 2,718 |
Noninterest income to average assets | -0.0122% | 7,465 |
Noninterest expense to average assets | 3.1228% | 3,226 |
Loan and lease loss provision to assets | 0.4129% | 3,426 |
Net operating income to assets | -0.1040% | 6,185 |
Return on assets (ROA) | -0.1040% | 6,276 |
Pretax return on assets | -0.1621% | 6,285 |
Return on Equity (ROE) | -0.8053% | 6,263 |
Retained earnings to average equity (ytd only) | -1.8238% | 6,168 |
Net charge-offs to loans | 0.9982% | 2,008 |
Credit loss provision to net charge-offs | 75.0000% | 5,278 |
Earnings coverage of net charge-offs (x) | 0.4556% | 5,567 |
Efficiency ratio | 92.5657% | 1,080 |
Assets per employee ($millions) | 4.4226% | 3,041 |
Cash dividends to net income (ytd only)* | -126.4725% | 7,721 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6184% | 3,450 |
Loan loss allowance to noncurrent loans | 59.2972% | 4,368 |
Noncurrent assets plus other real estate owned to assets | 1.6144% | 4,030 |
Noncurrent loans to loans | 2.7293% | 2,914 |
Net loans and leases to total assets | 55.6686% | 5,600 |
Net loans and leases to deposits | 69.2001% | 5,246 |
Net loans and leases to core deposits | 84.2429% | 3,903 |
Total domestic deposits to total assets | 80.4459% | 5,561 |
Equity capital to assets | 16.1534% | 646 |
Core capital (leverage) ratio | 9.1973% | 4,377 |
Tier 1 risk-based capital ratio | 11.6151% | 5,817 |
Total risk-based capital ratio | 21.4656% | 1,475 |
Memoranda: | ||
Average total assets | $43,592,000 | 6,833 |
Average earning assets | $36,187,250 | 6,951 |
Average equity | $5,629,000 | 6,561 |
Average total loans | $24,042,750 | 6,821 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3519% | 460 |
Cost of funding earning assets | 2.3736% | 259 |
Net interest margin | 3.9783% | 3,126 |
Noninterest income to average assets | -0.0507% | 7,587 |
Noninterest expense to average assets | 3.0889% | 3,368 |
Loan and lease loss provision to assets | 0.4149% | 3,242 |
Net operating income to assets | -0.1660% | 6,313 |
Return on assets (ROA) | -0.1660% | 6,371 |
Pretax return on assets | -0.2628% | 6,386 |
Return on Equity (ROE) | -1.4052% | 6,366 |
Retained earnings to average equity (ytd only) | -2.3810% | 6,204 |
Net charge-offs to loans | 1.1132% | 1,703 |
Credit loss provision to net charge-offs | 68.1818% | 5,013 |
Earnings coverage of net charge-offs (x) | 0.2500% | 5,478 |
Efficiency ratio | 95.3058% | 995 |
Assets per employee ($millions) | 4.4126% | 3,032 |
Cash dividends to net income (ytd only)* | -69.4444% | 7,774 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6238% | 3,351 |
Loan loss allowance to noncurrent loans | 165.1822% | 1,710 |
Noncurrent assets plus other real estate owned to assets | 0.6300% | 5,913 |
Noncurrent loans to loans | 0.9830% | 5,339 |
Net loans and leases to total assets | 56.0191% | 5,698 |
Net loans and leases to deposits | 64.1302% | 6,026 |
Net loans and leases to core deposits | 82.3061% | 4,372 |
Total domestic deposits to total assets | 87.3521% | 2,353 |
Equity capital to assets | 11.6031% | 2,353 |
Core capital (leverage) ratio | 9.2598% | 4,193 |
Tier 1 risk-based capital ratio | 10.9188% | 6,321 |
Total risk-based capital ratio | 14.7318% | 4,045 |
Memoranda: | ||
Average total assets | $43,380,670 | 6,882 |
Average earning assets | $35,894,670 | 7,007 |
Average equity | $5,124,000 | 6,743 |
Average total loans | $23,715,330 | 6,881 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4168% | 418 |
Cost of funding earning assets | 2.4402% | 267 |
Net interest margin | 3.9766% | 2,969 |
Noninterest income to average assets | -0.2697% | 7,819 |
Noninterest expense to average assets | 2.9390% | 3,914 |
Loan and lease loss provision to assets | 0.4185% | 2,862 |
Net operating income to assets | -0.2232% | 6,575 |
Return on assets (ROA) | -0.2232% | 6,642 |
Pretax return on assets | -0.3534% | 6,686 |
Return on Equity (ROE) | -1.8728% | 6,624 |
Retained earnings to average equity (ytd only) | -2.8092% | 6,335 |
Net charge-offs to loans | 0.2781% | 3,301 |
Credit loss provision to net charge-offs | 281.2500% | 1,408 |
Earnings coverage of net charge-offs (x) | 0.4375% | 4,641 |
Efficiency ratio | 97.8328% | 929 |
Assets per employee ($millions) | 4.1891% | 3,481 |
Cash dividends to net income (ytd only)* | -50.0000% | 7,869 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0620% | 2,041 |
Loan loss allowance to noncurrent loans | 225.9434% | 1,282 |
Noncurrent assets plus other real estate owned to assets | 0.5801% | 6,059 |
Noncurrent loans to loans | 0.9126% | 5,493 |
Net loans and leases to total assets | 54.3100% | 5,989 |
Net loans and leases to deposits | 62.7112% | 6,209 |
Net loans and leases to core deposits | 82.7851% | 4,384 |
Total domestic deposits to total assets | 86.6033% | 2,842 |
Equity capital to assets | 12.2246% | 1,921 |
Core capital (leverage) ratio | 9.3468% | 3,978 |
Tier 1 risk-based capital ratio | 11.7339% | 5,463 |
Total risk-based capital ratio | 15.8698% | 3,272 |
Memoranda: | ||
Average total assets | $43,008,000 | 6,983 |
Average earning assets | $35,407,000 | 7,112 |
Average equity | $5,126,000 | 6,811 |
Average total loans | $23,009,500 | 6,992 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8265% | 363 |
Cost of funding earning assets | 3.2567% | 103 |
Net interest margin | 3.5699% | 4,654 |
Noninterest income to average assets | -0.1756% | 7,847 |
Noninterest expense to average assets | 3.4448% | 2,542 |
Loan and lease loss provision to assets | 0.8248% | 2,661 |
Net operating income to assets | -1.0397% | 6,599 |
Return on assets (ROA) | -1.0397% | 6,602 |
Pretax return on assets | -1.6011% | 6,761 |
Return on Equity (ROE) | -8.7637% | 6,530 |
Retained earnings to average equity (ytd only) | -9.5038% | 6,478 |
Net charge-offs to loans | 1.3093% | 1,898 |
Credit loss provision to net charge-offs | 117.4342% | 4,616 |
Earnings coverage of net charge-offs (x) | -1.1053% | 6,900 |
Efficiency ratio | 129.0909% | 487 |
Assets per employee ($millions) | 4.4125% | 3,084 |
Cash dividends to net income (ytd only)* | -8.4444% | 7,592 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9746% | 2,087 |
Loan loss allowance to noncurrent loans | 454.5455% | 737 |
Noncurrent assets plus other real estate owned to assets | 0.2946% | 6,711 |
Noncurrent loans to loans | 0.4344% | 6,402 |
Net loans and leases to total assets | 50.6266% | 6,565 |
Net loans and leases to deposits | 58.8736% | 6,712 |
Net loans and leases to core deposits | 78.1603% | 6,249 |
Total domestic deposits to total assets | 85.9921% | 3,022 |
Equity capital to assets | 11.6283% | 2,227 |
Core capital (leverage) ratio | 9.3225% | 3,941 |
Tier 1 risk-based capital ratio | 11.8695% | 5,061 |
Total risk-based capital ratio | 16.0232% | 3,014 |
Memoranda: | ||
Average total assets | $43,283,200 | 6,979 |
Average earning assets | $34,483,200 | 7,161 |
Average equity | $5,134,800 | 6,895 |
Average total loans | $23,217,800 | 7,013 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9249% | 339 |
Cost of funding earning assets | 3.4448% | 91 |
Net interest margin | 3.4801% | 4,951 |
Noninterest income to average assets | -0.2910% | 8,013 |
Noninterest expense to average assets | 3.4576% | 2,396 |
Loan and lease loss provision to assets | 0.9658% | 1,986 |
Net operating income to assets | -1.2103% | 6,962 |
Return on assets (ROA) | -1.2103% | 6,974 |
Pretax return on assets | -1.9656% | 7,165 |
Return on Equity (ROE) | -10.1508% | 6,906 |
Retained earnings to average equity (ytd only) | -10.7998% | 6,871 |
Net charge-offs to loans | 1.5091% | 1,355 |
Credit loss provision to net charge-offs | 118.1818% | 4,299 |
Earnings coverage of net charge-offs (x) | -1.2235% | 6,666 |
Efficiency ratio | 140.6801% | 377 |
Assets per employee ($millions) | 4.4519% | 2,938 |
Cash dividends to net income (ytd only)* | -6.3934% | 7,711 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0068% | 1,784 |
Loan loss allowance to noncurrent loans | 52.1028% | 4,838 |
Noncurrent assets plus other real estate owned to assets | 1.9924% | 3,356 |
Noncurrent loans to loans | 3.8517% | 1,927 |
Net loans and leases to total assets | 48.9184% | 6,875 |
Net loans and leases to deposits | 57.4633% | 6,998 |
Net loans and leases to core deposits | 75.8895% | 6,622 |
Total domestic deposits to total assets | 85.1299% | 3,160 |
Equity capital to assets | 11.6445% | 2,472 |
Core capital (leverage) ratio | 9.0935% | 4,502 |
Tier 1 risk-based capital ratio | 12.2468% | 4,750 |
Total risk-based capital ratio | 16.4368% | 2,899 |
Memoranda: | ||
Average total assets | $43,072,750 | 7,041 |
Average earning assets | $34,021,500 | 7,247 |
Average equity | $5,135,750 | 6,957 |
Average total loans | $23,325,000 | 7,074 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1967% | 238 |
Cost of funding earning assets | 3.6832% | 58 |
Net interest margin | 3.5136% | 4,742 |
Noninterest income to average assets | -0.2160% | 8,070 |
Noninterest expense to average assets | 3.5782% | 2,129 |
Loan and lease loss provision to assets | 0.6199% | 2,572 |
Net operating income to assets | -1.0425% | 7,017 |
Return on assets (ROA) | -1.0425% | 7,013 |
Pretax return on assets | -1.6905% | 7,168 |
Return on Equity (ROE) | -8.6724% | 6,945 |
Retained earnings to average equity (ytd only) | -9.1803% | 6,784 |
Net charge-offs to loans | 1.6715% | 1,133 |
Credit loss provision to net charge-offs | 66.6667% | 5,479 |
Earnings coverage of net charge-offs (x) | -1.1515% | 6,259 |
Efficiency ratio | 142.6966% | 410 |
Assets per employee ($millions) | 4.6294% | 2,556 |
Cash dividends to net income (ytd only)* | -5.8559% | 7,821 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4860% | 3,275 |
Loan loss allowance to noncurrent loans | 35.2878% | 6,086 |
Noncurrent assets plus other real estate owned to assets | 2.0953% | 3,066 |
Noncurrent loans to loans | 4.2110% | 1,568 |
Net loans and leases to total assets | 47.4014% | 7,084 |
Net loans and leases to deposits | 54.0133% | 7,272 |
Net loans and leases to core deposits | 71.2629% | 6,947 |
Total domestic deposits to total assets | 87.7587% | 1,899 |
Equity capital to assets | 11.5911% | 2,477 |
Core capital (leverage) ratio | 10.0882% | 3,202 |
Tier 1 risk-based capital ratio | 12.8310% | 4,262 |
Total risk-based capital ratio | 16.7626% | 2,738 |
Memoranda: | ||
Average total assets | $42,590,670 | 7,108 |
Average earning assets | $33,015,000 | 7,358 |
Average equity | $5,119,670 | 7,020 |
Average total loans | $23,692,000 | 7,105 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.1909% | 75 |
Cost of funding earning assets | 4.0365% | 25 |
Net interest margin | 4.1544% | 2,076 |
Noninterest income to average assets | -0.4124% | 8,190 |
Noninterest expense to average assets | 3.6034% | 1,860 |
Loan and lease loss provision to assets | 0.5891% | 2,137 |
Net operating income to assets | -0.9426% | 7,216 |
Return on assets (ROA) | -0.9426% | 7,244 |
Pretax return on assets | -1.4924% | 7,357 |
Return on Equity (ROE) | -7.6854% | 7,214 |
Retained earnings to average equity (ytd only) | -7.6854% | 6,880 |
Net charge-offs to loans | 1.0328% | 1,304 |
Credit loss provision to net charge-offs | 95.2381% | 3,887 |
Earnings coverage of net charge-offs (x) | -1.4603% | 5,423 |
Efficiency ratio | 133.4545% | 469 |
Assets per employee ($millions) | 4.1556% | 3,350 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6794% | 2,212 |
Loan loss allowance to noncurrent loans | 371.6981% | 937 |
Noncurrent assets plus other real estate owned to assets | 0.3321% | 6,521 |
Noncurrent loans to loans | 0.4518% | 6,291 |
Net loans and leases to total assets | 55.5082% | 6,306 |
Net loans and leases to deposits | 64.3467% | 6,523 |
Net loans and leases to core deposits | 88.2306% | 5,712 |
Total domestic deposits to total assets | 86.2643% | 2,577 |
Equity capital to assets | 13.1148% | 1,693 |
Core capital (leverage) ratio | 10.9776% | 2,516 |
Tier 1 risk-based capital ratio | 12.6292% | 4,449 |
Total risk-based capital ratio | 16.5545% | 2,873 |
Memoranda: | ||
Average total assets | $40,739,000 | 7,219 |
Average earning assets | $30,521,500 | 7,494 |
Average equity | $4,996,500 | 7,113 |
Average total loans | $24,400,500 | 7,107 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.4577% | 445 |
Cost of funding earning assets | 4.5337% | 13 |
Net interest margin | 2.9241% | 7,096 |
Noninterest income to average assets | 0.0049% | 8,090 |
Noninterest expense to average assets | 1.9407% | 7,551 |
Loan and lease loss provision to assets | 1.1469% | 1,273 |
Net operating income to assets | -0.3727% | 6,795 |
Return on assets (ROA) | -0.7451% | 7,005 |
Pretax return on assets | -1.2760% | 7,152 |
Return on Equity (ROE) | -6.4729% | 6,998 |
Retained earnings to average equity (ytd only) | -6.4729% | 6,721 |
Net charge-offs to loans | 1.6846% | 658 |
Credit loss provision to net charge-offs | 113.2212% | 4,765 |
Earnings coverage of net charge-offs (x) | 0.4471% | 5,964 |
Efficiency ratio | 81.0783% | 2,433 |
Assets per employee ($millions) | 3.9922% | 3,535 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5667% | 2,369 |
Loan loss allowance to noncurrent loans | 87.0614% | 3,872 |
Noncurrent assets plus other real estate owned to assets | 1.2224% | 3,787 |
Noncurrent loans to loans | 1.7995% | 3,055 |
Net loans and leases to total assets | 62.4793% | 5,543 |
Net loans and leases to deposits | 71.3820% | 6,128 |
Net loans and leases to core deposits | 100.6010% | 4,764 |
Total domestic deposits to total assets | 87.5282% | 1,697 |
Equity capital to assets | 11.3797% | 2,718 |
Core capital (leverage) ratio | 11.4293% | 2,296 |
Tier 1 risk-based capital ratio | 12.6575% | 4,315 |
Total risk-based capital ratio | 13.7541% | 4,335 |
Memoranda: | ||
Average total assets | $41,066,800 | 7,166 |
Average earning assets | $33,549,000 | 7,344 |
Average equity | $4,727,400 | 7,242 |
Average total loans | $24,693,600 | 7,046 |