Home > Interstate Bank > Performance and Condition Ratios
Interstate Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1573% | 2,819 |
Cost of funding earning assets | 1.6225% | 2,913 |
Net interest margin | 3.5348% | 2,223 |
Noninterest income to average assets | 0.6300% | 1,240 |
Noninterest expense to average assets | 1.9046% | 3,728 |
Loan and lease loss provision to assets | 0.0900% | 1,412 |
Net operating income to assets | 2.0233% | 443 |
Return on assets (ROA) | 2.0233% | 444 |
Pretax return on assets | 2.0233% | 665 |
Return on Equity (ROE) | 37.5700% | 61 |
Retained earnings to average equity (ytd only) | 23.6559% | 91 |
Net charge-offs to loans | 0.0797% | 946 |
Credit loss provision to net charge-offs | -24.2424% | 4,347 |
Earnings coverage of net charge-offs (x) | 44.6970% | 1,043 |
Efficiency ratio | 47.4528% | 4,038 |
Assets per employee ($millions) | 8.6773% | 1,231 |
Cash dividends to net income (ytd only)* | 37.0318% | 1,561 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3456% | 1,509 |
Loan loss allowance to noncurrent loans | 100.6407% | 2,921 |
Noncurrent assets plus other real estate owned to assets | 0.7869% | 966 |
Noncurrent loans to loans | 1.3370% | 770 |
Net loans and leases to total assets | 58.0600% | 3,037 |
Net loans and leases to deposits | 61.7965% | 3,390 |
Net loans and leases to core deposits | 67.2689% | 3,428 |
Total domestic deposits to total assets | 93.9600% | 73 |
Equity capital to assets | 5.7593% | 4,285 |
Core capital (leverage) ratio | 9.8610% | 2,936 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,736 |
Memoranda: | ||
Average total assets | $279,740,000 | 2,578 |
Average earning assets | $267,735,500 | 2,534 |
Average equity | $15,066,000 | 3,368 |
Average total loans | $165,587,500 | 2,644 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6826% | 1,787 |
Cost of funding earning assets | 1.6805% | 2,995 |
Net interest margin | 4.0021% | 1,173 |
Noninterest income to average assets | 0.5400% | 1,745 |
Noninterest expense to average assets | 2.3238% | 2,798 |
Loan and lease loss provision to assets | 0.7600% | 113 |
Net operating income to assets | 1.2490% | 1,398 |
Return on assets (ROA) | 1.2453% | 1,413 |
Pretax return on assets | 1.2453% | 1,882 |
Return on Equity (ROE) | 23.8600% | 215 |
Retained earnings to average equity (ytd only) | 8.0130% | 1,113 |
Net charge-offs to loans | 1.1318% | 132 |
Credit loss provision to net charge-offs | 104.1453% | 1,836 |
Earnings coverage of net charge-offs (x) | 2.7625% | 2,798 |
Efficiency ratio | 53.6851% | 3,743 |
Assets per employee ($millions) | 9.0905% | 1,034 |
Cash dividends to net income (ytd only)* | 66.4181% | 937 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4068% | 1,284 |
Loan loss allowance to noncurrent loans | 97.0794% | 3,002 |
Noncurrent assets plus other real estate owned to assets | 0.8627% | 817 |
Noncurrent loans to loans | 1.4491% | 673 |
Net loans and leases to total assets | 58.6900% | 3,049 |
Net loans and leases to deposits | 61.9590% | 3,446 |
Net loans and leases to core deposits | 67.7828% | 3,451 |
Total domestic deposits to total assets | 94.7300% | 72 |
Equity capital to assets | 5.0176% | 4,347 |
Core capital (leverage) ratio | 9.6161% | 3,105 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,791 |
Memoranda: | ||
Average total assets | $269,258,800 | 2,602 |
Average earning assets | $255,165,600 | 2,568 |
Average equity | $14,052,200 | 3,414 |
Average total loans | $172,644,000 | 2,554 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7527% | 1,633 |
Cost of funding earning assets | 1.6841% | 2,984 |
Net interest margin | 4.0686% | 1,054 |
Noninterest income to average assets | 0.5600% | 1,638 |
Noninterest expense to average assets | 2.1263% | 3,272 |
Loan and lease loss provision to assets | 0.8900% | 83 |
Net operating income to assets | 1.3793% | 1,138 |
Return on assets (ROA) | 1.3793% | 1,141 |
Pretax return on assets | 1.3793% | 1,564 |
Return on Equity (ROE) | 26.1600% | 175 |
Retained earnings to average equity (ytd only) | 9.9782% | 866 |
Net charge-offs to loans | 1.1779% | 116 |
Credit loss provision to net charge-offs | 116.2109% | 1,524 |
Earnings coverage of net charge-offs (x) | 2.9544% | 2,558 |
Efficiency ratio | 48.3261% | 4,079 |
Assets per employee ($millions) | 8.5891% | 1,231 |
Cash dividends to net income (ytd only)* | 61.8598% | 938 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4157% | 1,290 |
Loan loss allowance to noncurrent loans | 85.2901% | 3,171 |
Noncurrent assets plus other real estate owned to assets | 1.1132% | 579 |
Noncurrent loans to loans | 1.6599% | 535 |
Net loans and leases to total assets | 66.1100% | 2,307 |
Net loans and leases to deposits | 70.5707% | 2,941 |
Net loans and leases to core deposits | 78.0355% | 2,949 |
Total domestic deposits to total assets | 93.6900% | 49 |
Equity capital to assets | 5.9899% | 4,338 |
Core capital (leverage) ratio | 9.7455% | 3,055 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,827 |
Memoranda: | ||
Average total assets | $266,122,000 | 2,612 |
Average earning assets | $251,283,500 | 2,585 |
Average equity | $14,030,250 | 3,413 |
Average total loans | $173,866,500 | 2,542 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6751% | 1,644 |
Cost of funding earning assets | 1.6691% | 2,931 |
Net interest margin | 4.0060% | 1,104 |
Noninterest income to average assets | 0.4500% | 2,091 |
Noninterest expense to average assets | 2.2016% | 3,070 |
Loan and lease loss provision to assets | 0.8500% | 85 |
Net operating income to assets | 1.1628% | 1,569 |
Return on assets (ROA) | 1.1628% | 1,570 |
Pretax return on assets | 1.1628% | 2,031 |
Return on Equity (ROE) | 23.1100% | 288 |
Retained earnings to average equity (ytd only) | 3.5398% | 2,875 |
Net charge-offs to loans | 1.1561% | 113 |
Credit loss provision to net charge-offs | 113.9558% | 1,386 |
Earnings coverage of net charge-offs (x) | 2.6928% | 2,380 |
Efficiency ratio | 52.2010% | 3,883 |
Assets per employee ($millions) | 7.7616% | 1,582 |
Cash dividends to net income (ytd only)* | 84.6800% | 561 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3594% | 1,507 |
Loan loss allowance to noncurrent loans | 72.8094% | 3,362 |
Noncurrent assets plus other real estate owned to assets | 1.3183% | 402 |
Noncurrent loans to loans | 1.8670% | 413 |
Net loans and leases to total assets | 66.4900% | 2,287 |
Net loans and leases to deposits | 70.2438% | 2,969 |
Net loans and leases to core deposits | 77.1199% | 2,976 |
Total domestic deposits to total assets | 94.6500% | 55 |
Equity capital to assets | 4.9542% | 4,372 |
Core capital (leverage) ratio | 9.6050% | 3,152 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,851 |
Memoranda: | ||
Average total assets | $266,075,000 | 2,607 |
Average earning assets | $250,075,000 | 2,592 |
Average equity | $13,390,667 | 3,462 |
Average total loans | $172,300,000 | 2,553 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7815% | 1,341 |
Cost of funding earning assets | 1.6644% | 2,830 |
Net interest margin | 4.1171% | 946 |
Noninterest income to average assets | 0.5900% | 1,395 |
Noninterest expense to average assets | 2.2907% | 2,823 |
Loan and lease loss provision to assets | 1.2500% | 60 |
Net operating income to assets | 0.9073% | 2,218 |
Return on assets (ROA) | 0.9073% | 2,229 |
Pretax return on assets | 0.9073% | 2,644 |
Return on Equity (ROE) | 17.8900% | 626 |
Retained earnings to average equity (ytd only) | -1.4466% | 3,880 |
Net charge-offs to loans | 0.0024% | 2,095 |
Credit loss provision to net charge-offs | 83,500.0000% | 1 |
Earnings coverage of net charge-offs (x) | 1,441.0000% | 55 |
Efficiency ratio | 51.4978% | 3,940 |
Assets per employee ($millions) | 7.3718% | 1,839 |
Cash dividends to net income (ytd only)* | 108.0858% | 473 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7222% | 633 |
Loan loss allowance to noncurrent loans | 164.1799% | 2,634 |
Noncurrent assets plus other real estate owned to assets | 0.7066% | 872 |
Noncurrent loans to loans | 1.0490% | 811 |
Net loans and leases to total assets | 66.2000% | 2,220 |
Net loans and leases to deposits | 70.2143% | 2,863 |
Net loans and leases to core deposits | 75.4888% | 3,010 |
Total domestic deposits to total assets | 94.2800% | 99 |
Equity capital to assets | 5.2404% | 4,347 |
Core capital (leverage) ratio | 9.4293% | 3,276 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,874 |
Memoranda: | ||
Average total assets | $267,165,000 | 2,610 |
Average earning assets | $250,178,000 | 2,593 |
Average equity | $13,549,000 | 3,451 |
Average total loans | $169,511,000 | 2,569 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2637% | 1,548 |
Cost of funding earning assets | 1.3287% | 2,432 |
Net interest margin | 3.9350% | 1,302 |
Noninterest income to average assets | 0.5900% | 1,571 |
Noninterest expense to average assets | 2.3285% | 2,778 |
Loan and lease loss provision to assets | 0.6100% | 133 |
Net operating income to assets | 1.3846% | 1,244 |
Return on assets (ROA) | 1.3779% | 1,227 |
Pretax return on assets | 1.3779% | 1,685 |
Return on Equity (ROE) | 30.7700% | 171 |
Retained earnings to average equity (ytd only) | 8.7172% | 1,328 |
Net charge-offs to loans | 1.0489% | 98 |
Credit loss provision to net charge-offs | 92.8161% | 1,926 |
Earnings coverage of net charge-offs (x) | 3.0402% | 2,663 |
Efficiency ratio | 53.8797% | 3,685 |
Assets per employee ($millions) | 7.6755% | 1,607 |
Cash dividends to net income (ytd only)* | 71.6708% | 795 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3792% | 1,463 |
Loan loss allowance to noncurrent loans | 116.8119% | 3,108 |
Noncurrent assets plus other real estate owned to assets | 0.7061% | 736 |
Noncurrent loans to loans | 1.1807% | 605 |
Net loans and leases to total assets | 58.9800% | 2,949 |
Net loans and leases to deposits | 62.2186% | 3,392 |
Net loans and leases to core deposits | 66.5790% | 3,473 |
Total domestic deposits to total assets | 94.7900% | 65 |
Equity capital to assets | 4.9136% | 4,429 |
Core capital (leverage) ratio | 9.6955% | 3,071 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $265,410,600 | 2,591 |
Average earning assets | $251,514,800 | 2,567 |
Average equity | $11,884,600 | 3,537 |
Average total loans | $165,894,600 | 2,552 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2373% | 1,382 |
Cost of funding earning assets | 1.2024% | 2,425 |
Net interest margin | 4.0348% | 1,168 |
Noninterest income to average assets | 0.6100% | 1,484 |
Noninterest expense to average assets | 2.0511% | 3,463 |
Loan and lease loss provision to assets | 0.6900% | 104 |
Net operating income to assets | 1.7313% | 757 |
Return on assets (ROA) | 1.7222% | 756 |
Pretax return on assets | 1.7222% | 1,130 |
Return on Equity (ROE) | 39.4700% | 115 |
Retained earnings to average equity (ytd only) | 16.6117% | 415 |
Net charge-offs to loans | 1.2076% | 79 |
Credit loss provision to net charge-offs | 90.0931% | 1,693 |
Earnings coverage of net charge-offs (x) | 3.1689% | 2,445 |
Efficiency ratio | 45.8840% | 4,141 |
Assets per employee ($millions) | 7.6452% | 1,542 |
Cash dividends to net income (ytd only)* | 57.9134% | 1,004 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3681% | 1,592 |
Loan loss allowance to noncurrent loans | 87.6750% | 3,324 |
Noncurrent assets plus other real estate owned to assets | 1.0194% | 501 |
Noncurrent loans to loans | 1.5604% | 455 |
Net loans and leases to total assets | 64.4400% | 2,394 |
Net loans and leases to deposits | 67.3349% | 3,026 |
Net loans and leases to core deposits | 72.2832% | 3,090 |
Total domestic deposits to total assets | 95.7000% | 91 |
Equity capital to assets | 3.9117% | 4,410 |
Core capital (leverage) ratio | 9.7137% | 3,089 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $262,684,000 | 2,614 |
Average earning assets | $251,041,500 | 2,569 |
Average equity | $11,461,500 | 3,580 |
Average total loans | $166,059,000 | 2,560 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1198% | 1,332 |
Cost of funding earning assets | 1.0726% | 2,375 |
Net interest margin | 4.0472% | 1,158 |
Noninterest income to average assets | 0.5500% | 1,674 |
Noninterest expense to average assets | 1.9816% | 3,634 |
Loan and lease loss provision to assets | 0.4500% | 169 |
Net operating income to assets | 1.9929% | 472 |
Return on assets (ROA) | 1.9794% | 484 |
Pretax return on assets | 1.9794% | 770 |
Return on Equity (ROE) | 43.9300% | 87 |
Retained earnings to average equity (ytd only) | 22.0808% | 183 |
Net charge-offs to loans | 0.6223% | 134 |
Credit loss provision to net charge-offs | 116.7954% | 1,341 |
Earnings coverage of net charge-offs (x) | 6.2876% | 2,133 |
Efficiency ratio | 44.7404% | 4,224 |
Assets per employee ($millions) | 7.7458% | 1,444 |
Cash dividends to net income (ytd only)* | 49.7342% | 1,293 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4876% | 1,216 |
Loan loss allowance to noncurrent loans | 119.0727% | 3,126 |
Noncurrent assets plus other real estate owned to assets | 0.8184% | 623 |
Noncurrent loans to loans | 1.2494% | 568 |
Net loans and leases to total assets | 64.5300% | 2,332 |
Net loans and leases to deposits | 68.3350% | 2,904 |
Net loans and leases to core deposits | 73.4725% | 2,928 |
Total domestic deposits to total assets | 94.4400% | 126 |
Equity capital to assets | 5.0956% | 4,362 |
Core capital (leverage) ratio | 9.6319% | 3,111 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $266,147,667 | 2,603 |
Average earning assets | $255,090,000 | 2,554 |
Average equity | $11,992,333 | 3,537 |
Average total loans | $166,470,333 | 2,551 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8844% | 1,443 |
Cost of funding earning assets | 0.9193% | 2,313 |
Net interest margin | 3.9651% | 1,339 |
Noninterest income to average assets | 0.5600% | 1,579 |
Noninterest expense to average assets | 1.9085% | 3,836 |
Loan and lease loss provision to assets | 0.4800% | 162 |
Net operating income to assets | 1.9866% | 502 |
Return on assets (ROA) | 1.9601% | 513 |
Pretax return on assets | 1.9601% | 835 |
Return on Equity (ROE) | 46.0500% | 93 |
Retained earnings to average equity (ytd only) | 23.3736% | 226 |
Net charge-offs to loans | -0.0024% | 3,457 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 43.6321% | 4,316 |
Assets per employee ($millions) | 7.9263% | 1,382 |
Cash dividends to net income (ytd only)* | 49.2481% | 1,210 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6092% | 994 |
Loan loss allowance to noncurrent loans | 121.1180% | 3,192 |
Noncurrent assets plus other real estate owned to assets | 0.8364% | 567 |
Noncurrent loans to loans | 1.3286% | 502 |
Net loans and leases to total assets | 61.9400% | 2,469 |
Net loans and leases to deposits | 65.0685% | 3,006 |
Net loans and leases to core deposits | 68.1723% | 3,085 |
Total domestic deposits to total assets | 95.1900% | 79 |
Equity capital to assets | 4.6294% | 4,473 |
Core capital (leverage) ratio | 9.4030% | 3,294 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $271,415,000 | 2,605 |
Average earning assets | $261,078,500 | 2,553 |
Average equity | $11,551,500 | 3,614 |
Average total loans | $165,982,000 | 2,578 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7288% | 2,460 |
Cost of funding earning assets | 0.2754% | 3,092 |
Net interest margin | 3.4534% | 2,088 |
Noninterest income to average assets | 0.6300% | 1,531 |
Noninterest expense to average assets | 2.3034% | 2,719 |
Loan and lease loss provision to assets | 0.2700% | 333 |
Net operating income to assets | 1.3215% | 1,356 |
Return on assets (ROA) | 1.3141% | 1,345 |
Pretax return on assets | 1.3141% | 2,042 |
Return on Equity (ROE) | 23.8700% | 250 |
Retained earnings to average equity (ytd only) | 18.0044% | 143 |
Net charge-offs to loans | 0.0077% | 2,111 |
Credit loss provision to net charge-offs | 6,500.0000% | 105 |
Earnings coverage of net charge-offs (x) | 386.5000% | 400 |
Efficiency ratio | 59.1826% | 3,162 |
Assets per employee ($millions) | 8.2829% | 1,191 |
Cash dividends to net income (ytd only)* | 24.5855% | 2,687 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6290% | 922 |
Loan loss allowance to noncurrent loans | 115.6605% | 3,224 |
Noncurrent assets plus other real estate owned to assets | 0.8363% | 554 |
Noncurrent loans to loans | 1.4084% | 472 |
Net loans and leases to total assets | 58.4100% | 2,782 |
Net loans and leases to deposits | 60.9208% | 3,279 |
Net loans and leases to core deposits | 63.2013% | 3,317 |
Total domestic deposits to total assets | 95.8800% | 85 |
Equity capital to assets | 3.8879% | 4,531 |
Core capital (leverage) ratio | 9.2265% | 3,430 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $243,289,600 | 2,765 |
Average earning assets | $229,484,400 | 2,739 |
Average equity | $13,391,200 | 3,536 |
Average total loans | $130,537,600 | 2,821 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4648% | 2,735 |
Cost of funding earning assets | 0.1963% | 3,322 |
Net interest margin | 3.2685% | 2,394 |
Noninterest income to average assets | 0.6500% | 1,510 |
Noninterest expense to average assets | 2.1873% | 2,970 |
Loan and lease loss provision to assets | 0.1600% | 607 |
Net operating income to assets | 1.3775% | 1,146 |
Return on assets (ROA) | 1.3674% | 1,148 |
Pretax return on assets | 1.3674% | 1,825 |
Return on Equity (ROE) | 22.8900% | 259 |
Retained earnings to average equity (ytd only) | 17.9323% | 167 |
Net charge-offs to loans | -0.0065% | 3,565 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 58.7931% | 3,289 |
Assets per employee ($millions) | 7.4220% | 1,662 |
Cash dividends to net income (ytd only)* | 21.6708% | 2,408 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2993% | 2,030 |
Loan loss allowance to noncurrent loans | 78.7178% | 3,548 |
Noncurrent assets plus other real estate owned to assets | 0.9362% | 488 |
Noncurrent loans to loans | 1.6506% | 403 |
Net loans and leases to total assets | 55.9800% | 2,902 |
Net loans and leases to deposits | 58.2906% | 3,320 |
Net loans and leases to core deposits | 60.3814% | 3,356 |
Total domestic deposits to total assets | 96.0400% | 129 |
Equity capital to assets | 3.6844% | 4,518 |
Core capital (leverage) ratio | 9.5924% | 2,964 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $235,778,000 | 2,833 |
Average earning assets | $221,419,750 | 2,815 |
Average equity | $14,082,250 | 3,494 |
Average total loans | $122,594,500 | 2,906 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1985% | 3,054 |
Cost of funding earning assets | 0.1685% | 3,333 |
Net interest margin | 3.0300% | 2,796 |
Noninterest income to average assets | 0.6385% | 1,588 |
Noninterest expense to average assets | 2.1854% | 2,905 |
Loan and lease loss provision to assets | 0.1289% | 755 |
Net operating income to assets | 1.1516% | 1,597 |
Return on assets (ROA) | 1.1361% | 1,622 |
Pretax return on assets | 1.1361% | 2,281 |
Return on Equity (ROE) | 16.7678% | 591 |
Retained earnings to average equity (ytd only) | 13.4447% | 415 |
Net charge-offs to loans | -0.0120% | 3,647 |
Credit loss provision to net charge-offs | -2,142.8571% | 3,677 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.0548% | 2,911 |
Assets per employee ($millions) | 6.8853% | 2,014 |
Cash dividends to net income (ytd only)* | 19.8185% | 2,467 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2964% | 2,207 |
Loan loss allowance to noncurrent loans | 84.0500% | 3,504 |
Noncurrent assets plus other real estate owned to assets | 0.8543% | 608 |
Noncurrent loans to loans | 1.5424% | 482 |
Net loans and leases to total assets | 54.6713% | 2,892 |
Net loans and leases to deposits | 57.5122% | 3,266 |
Net loans and leases to core deposits | 59.7398% | 3,290 |
Total domestic deposits to total assets | 95.0603% | 141 |
Equity capital to assets | 4.2204% | 4,597 |
Core capital (leverage) ratio | 10.0121% | 2,382 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $232,728,333 | 2,874 |
Average earning assets | $217,162,000 | 2,870 |
Average equity | $15,768,333 | 3,425 |
Average total loans | $117,153,000 | 2,974 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9893% | 3,286 |
Cost of funding earning assets | 0.1668% | 3,268 |
Net interest margin | 2.8225% | 3,066 |
Noninterest income to average assets | 0.6223% | 1,594 |
Noninterest expense to average assets | 2.2634% | 2,641 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.9843% | 1,948 |
Return on assets (ROA) | 0.9843% | 1,944 |
Pretax return on assets | 0.9843% | 2,488 |
Return on Equity (ROE) | 12.2057% | 1,252 |
Retained earnings to average equity (ytd only) | 12.2057% | 575 |
Net charge-offs to loans | -0.0144% | 3,745 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.0977% | 4,355 |
Assets per employee ($millions) | 6.8139% | 2,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3876% | 1,957 |
Loan loss allowance to noncurrent loans | 69.7717% | 3,659 |
Noncurrent assets plus other real estate owned to assets | 0.9739% | 524 |
Noncurrent loans to loans | 1.9887% | 375 |
Net loans and leases to total assets | 48.2940% | 3,353 |
Net loans and leases to deposits | 52.5083% | 3,532 |
Net loans and leases to core deposits | 55.9065% | 3,453 |
Total domestic deposits to total assets | 91.9741% | 584 |
Equity capital to assets | 7.2450% | 4,079 |
Core capital (leverage) ratio | 9.6187% | 2,673 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $232,042,000 | 2,886 |
Average earning assets | $215,836,500 | 2,889 |
Average equity | $18,712,500 | 3,261 |
Average total loans | $110,896,000 | 3,050 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3412% | 3,081 |
Cost of funding earning assets | 0.2217% | 3,235 |
Net interest margin | 3.1195% | 2,844 |
Noninterest income to average assets | 0.6446% | 1,964 |
Noninterest expense to average assets | 2.5528% | 2,015 |
Loan and lease loss provision to assets | 0.1572% | 760 |
Net operating income to assets | 0.8170% | 3,279 |
Return on assets (ROA) | 0.8249% | 3,329 |
Pretax return on assets | 0.8249% | 3,673 |
Return on Equity (ROE) | 8.6245% | 3,041 |
Retained earnings to average equity (ytd only) | 8.6245% | 1,307 |
Net charge-offs to loans | 0.0054% | 2,393 |
Credit loss provision to net charge-offs | 5,666.6667% | 131 |
Earnings coverage of net charge-offs (x) | 351.1667% | 361 |
Efficiency ratio | 72.3781% | 1,467 |
Assets per employee ($millions) | 7.0360% | 1,903 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3647% | 2,072 |
Loan loss allowance to noncurrent loans | 69.3042% | 3,698 |
Noncurrent assets plus other real estate owned to assets | 0.9192% | 629 |
Noncurrent loans to loans | 1.9692% | 399 |
Net loans and leases to total assets | 46.0430% | 3,690 |
Net loans and leases to deposits | 50.9263% | 3,812 |
Net loans and leases to core deposits | 54.1585% | 3,745 |
Total domestic deposits to total assets | 90.4111% | 759 |
Equity capital to assets | 8.8344% | 3,776 |
Core capital (leverage) ratio | 9.7818% | 2,597 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $216,272,600 | 2,935 |
Average earning assets | $199,839,200 | 2,954 |
Average equity | $20,685,200 | 3,159 |
Average total loans | $112,080,000 | 3,045 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4341% | 3,002 |
Cost of funding earning assets | 0.2367% | 3,250 |
Net interest margin | 3.1974% | 2,737 |
Noninterest income to average assets | 0.6852% | 1,873 |
Noninterest expense to average assets | 2.6358% | 1,738 |
Loan and lease loss provision to assets | 0.1900% | 555 |
Net operating income to assets | 0.8106% | 3,500 |
Return on assets (ROA) | 0.8214% | 3,541 |
Pretax return on assets | 0.8214% | 3,849 |
Return on Equity (ROE) | 8.4056% | 3,283 |
Retained earnings to average equity (ytd only) | 8.4056% | 1,909 |
Net charge-offs to loans | -0.0048% | 3,421 |
Credit loss provision to net charge-offs | -7,500.0000% | 4,187 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.4835% | 1,362 |
Assets per employee ($millions) | 6.2235% | 2,477 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3511% | 2,219 |
Loan loss allowance to noncurrent loans | 63.9008% | 3,800 |
Noncurrent assets plus other real estate owned to assets | 1.0734% | 589 |
Noncurrent loans to loans | 2.1144% | 405 |
Net loans and leases to total assets | 50.0771% | 3,403 |
Net loans and leases to deposits | 56.0006% | 3,577 |
Net loans and leases to core deposits | 60.4963% | 3,441 |
Total domestic deposits to total assets | 89.4226% | 1,055 |
Equity capital to assets | 9.6482% | 3,252 |
Core capital (leverage) ratio | 9.8203% | 2,687 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $210,534,750 | 3,013 |
Average earning assets | $194,318,500 | 3,036 |
Average equity | $20,573,000 | 3,204 |
Average total loans | $112,182,500 | 3,084 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2645% | 3,528 |
Cost of funding earning assets | 0.2407% | 3,367 |
Net interest margin | 3.0238% | 3,262 |
Noninterest income to average assets | 0.6112% | 2,164 |
Noninterest expense to average assets | 2.7323% | 1,499 |
Loan and lease loss provision to assets | 0.2643% | 361 |
Net operating income to assets | 0.4517% | 4,301 |
Return on assets (ROA) | 0.4738% | 4,313 |
Pretax return on assets | 0.4738% | 4,423 |
Return on Equity (ROE) | 4.8273% | 4,162 |
Retained earnings to average equity (ytd only) | 4.8273% | 3,254 |
Net charge-offs to loans | -0.0160% | 3,889 |
Credit loss provision to net charge-offs | -3,055.5556% | 3,911 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.2363% | 831 |
Assets per employee ($millions) | 5.8560% | 2,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3132% | 2,375 |
Loan loss allowance to noncurrent loans | 62.6967% | 3,807 |
Noncurrent assets plus other real estate owned to assets | 1.1152% | 646 |
Noncurrent loans to loans | 2.0945% | 448 |
Net loans and leases to total assets | 52.5437% | 3,291 |
Net loans and leases to deposits | 58.6749% | 3,483 |
Net loans and leases to core deposits | 63.5393% | 3,331 |
Total domestic deposits to total assets | 89.5506% | 1,002 |
Equity capital to assets | 9.5871% | 3,264 |
Core capital (leverage) ratio | 9.5646% | 2,842 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $208,105,667 | 3,030 |
Average earning assets | $195,251,000 | 3,020 |
Average equity | $20,425,333 | 3,213 |
Average total loans | $112,719,000 | 3,089 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2376% | 3,613 |
Cost of funding earning assets | 0.2490% | 3,482 |
Net interest margin | 2.9886% | 3,288 |
Noninterest income to average assets | 0.6462% | 2,043 |
Noninterest expense to average assets | 3.0375% | 933 |
Loan and lease loss provision to assets | 0.2902% | 334 |
Net operating income to assets | 0.1045% | 4,708 |
Return on assets (ROA) | 0.1045% | 4,720 |
Pretax return on assets | 0.1045% | 4,727 |
Return on Equity (ROE) | 1.0520% | 4,705 |
Retained earnings to average equity (ytd only) | 1.0520% | 4,204 |
Net charge-offs to loans | -0.0496% | 4,389 |
Credit loss provision to net charge-offs | -1,071.4286% | 3,382 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.5006% | 424 |
Assets per employee ($millions) | 5.6514% | 2,965 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1658% | 3,117 |
Loan loss allowance to noncurrent loans | 44.4663% | 4,053 |
Noncurrent assets plus other real estate owned to assets | 1.4562% | 449 |
Noncurrent loans to loans | 2.6217% | 343 |
Net loans and leases to total assets | 54.8983% | 3,153 |
Net loans and leases to deposits | 61.3908% | 3,378 |
Net loans and leases to core deposits | 65.7149% | 3,269 |
Total domestic deposits to total assets | 89.4244% | 1,111 |
Equity capital to assets | 9.6087% | 3,094 |
Core capital (leverage) ratio | 9.6129% | 2,924 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $206,751,000 | 3,030 |
Average earning assets | $192,732,500 | 3,032 |
Average equity | $20,532,500 | 3,197 |
Average total loans | $112,956,500 | 3,085 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6522% | 3,691 |
Cost of funding earning assets | 0.3599% | 3,820 |
Net interest margin | 3.2923% | 3,086 |
Noninterest income to average assets | 0.8303% | 1,452 |
Noninterest expense to average assets | 3.0000% | 1,436 |
Loan and lease loss provision to assets | 0.9047% | 126 |
Net operating income to assets | -0.0066% | 4,737 |
Return on assets (ROA) | 0.2895% | 4,511 |
Pretax return on assets | 0.2895% | 4,556 |
Return on Equity (ROE) | 2.6606% | 4,447 |
Retained earnings to average equity (ytd only) | -1.0212% | 4,639 |
Net charge-offs to loans | 1.6342% | 63 |
Credit loss provision to net charge-offs | 95.7906% | 2,880 |
Earnings coverage of net charge-offs (x) | 0.9509% | 3,296 |
Efficiency ratio | 72.4372% | 1,628 |
Assets per employee ($millions) | 5.5243% | 2,821 |
Cash dividends to net income (ytd only)* | 138.3803% | 115 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0841% | 3,540 |
Loan loss allowance to noncurrent loans | 34.1365% | 4,236 |
Noncurrent assets plus other real estate owned to assets | 1.7055% | 384 |
Noncurrent loans to loans | 3.1759% | 258 |
Net loans and leases to total assets | 53.1191% | 3,572 |
Net loans and leases to deposits | 59.9263% | 3,770 |
Net loans and leases to core deposits | 64.8782% | 3,638 |
Total domestic deposits to total assets | 88.6408% | 1,147 |
Equity capital to assets | 10.2608% | 2,873 |
Core capital (leverage) ratio | 9.9212% | 2,678 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $196,201,600 | 2,971 |
Average earning assets | $182,819,200 | 2,971 |
Average equity | $21,348,200 | 3,069 |
Average total loans | $113,386,200 | 3,048 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6582% | 3,901 |
Cost of funding earning assets | 0.3849% | 3,895 |
Net interest margin | 3.2733% | 3,268 |
Noninterest income to average assets | 0.8536% | 1,338 |
Noninterest expense to average assets | 3.0106% | 1,423 |
Loan and lease loss provision to assets | 0.3951% | 903 |
Net operating income to assets | 0.5082% | 4,003 |
Return on assets (ROA) | 0.8790% | 2,908 |
Pretax return on assets | 0.8790% | 3,437 |
Return on Equity (ROE) | 7.9593% | 2,822 |
Retained earnings to average equity (ytd only) | 3.0718% | 3,490 |
Net charge-offs to loans | 0.7501% | 186 |
Credit loss provision to net charge-offs | 89.4246% | 2,703 |
Earnings coverage of net charge-offs (x) | 2.0451% | 3,022 |
Efficiency ratio | 70.8545% | 1,770 |
Assets per employee ($millions) | 5.2547% | 2,946 |
Cash dividends to net income (ytd only)* | 61.4063% | 1,076 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0232% | 3,600 |
Loan loss allowance to noncurrent loans | 25.2260% | 4,359 |
Noncurrent assets plus other real estate owned to assets | 2.5856% | 199 |
Noncurrent loans to loans | 4.0561% | 160 |
Net loans and leases to total assets | 59.7044% | 3,258 |
Net loans and leases to deposits | 68.1375% | 3,453 |
Net loans and leases to core deposits | 73.9117% | 3,325 |
Total domestic deposits to total assets | 87.6234% | 1,385 |
Equity capital to assets | 11.2178% | 2,218 |
Core capital (leverage) ratio | 10.6121% | 2,179 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $194,152,250 | 2,971 |
Average earning assets | $181,507,000 | 2,961 |
Average equity | $21,442,000 | 3,056 |
Average total loans | $114,291,500 | 3,053 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6982% | 4,094 |
Cost of funding earning assets | 0.4101% | 3,998 |
Net interest margin | 3.2882% | 3,415 |
Noninterest income to average assets | 0.8863% | 1,202 |
Noninterest expense to average assets | 3.1938% | 1,175 |
Loan and lease loss provision to assets | 0.2061% | 1,992 |
Net operating income to assets | 0.5606% | 3,860 |
Return on assets (ROA) | 0.8801% | 2,887 |
Pretax return on assets | 0.8801% | 3,371 |
Return on Equity (ROE) | 8.0115% | 2,744 |
Retained earnings to average equity (ytd only) | 4.3247% | 2,770 |
Net charge-offs to loans | 0.1059% | 1,229 |
Credit loss provision to net charge-offs | 333.3333% | 1,547 |
Earnings coverage of net charge-offs (x) | 12.4000% | 2,058 |
Efficiency ratio | 71.6367% | 1,744 |
Assets per employee ($millions) | 5.2738% | 2,863 |
Cash dividends to net income (ytd only)* | 46.0187% | 1,686 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1705% | 2,662 |
Loan loss allowance to noncurrent loans | 24.3641% | 4,427 |
Noncurrent assets plus other real estate owned to assets | 2.9616% | 159 |
Noncurrent loans to loans | 4.8042% | 121 |
Net loans and leases to total assets | 60.9244% | 3,227 |
Net loans and leases to deposits | 69.6309% | 3,445 |
Net loans and leases to core deposits | 75.5869% | 3,320 |
Total domestic deposits to total assets | 87.4962% | 1,417 |
Equity capital to assets | 11.1991% | 2,182 |
Core capital (leverage) ratio | 10.2872% | 2,551 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $194,062,000 | 2,955 |
Average earning assets | $181,438,333 | 2,944 |
Average equity | $21,319,333 | 3,051 |
Average total loans | $113,295,667 | 3,053 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0607% | 3,626 |
Cost of funding earning assets | 0.4276% | 4,244 |
Net interest margin | 3.6332% | 2,559 |
Noninterest income to average assets | 0.7131% | 1,599 |
Noninterest expense to average assets | 3.1686% | 1,492 |
Loan and lease loss provision to assets | 0.3100% | 1,003 |
Net operating income to assets | 0.6593% | 3,412 |
Return on assets (ROA) | 0.8392% | 2,843 |
Pretax return on assets | 0.8392% | 3,313 |
Return on Equity (ROE) | 7.7140% | 2,633 |
Retained earnings to average equity (ytd only) | 0.2470% | 3,934 |
Net charge-offs to loans | 0.1676% | 787 |
Credit loss provision to net charge-offs | 326.0870% | 1,118 |
Earnings coverage of net charge-offs (x) | 10.1957% | 1,778 |
Efficiency ratio | 76.5734% | 1,503 |
Assets per employee ($millions) | 5.2112% | 2,414 |
Cash dividends to net income (ytd only)* | 96.7980% | 786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2545% | 2,366 |
Loan loss allowance to noncurrent loans | 103.3911% | 3,190 |
Noncurrent assets plus other real estate owned to assets | 0.6882% | 1,940 |
Noncurrent loans to loans | 1.2133% | 1,347 |
Net loans and leases to total assets | 56.0105% | 3,839 |
Net loans and leases to deposits | 63.6945% | 3,998 |
Net loans and leases to core deposits | 69.3131% | 3,920 |
Total domestic deposits to total assets | 87.9360% | 1,138 |
Equity capital to assets | 11.0454% | 2,820 |
Core capital (leverage) ratio | 10.3963% | 3,054 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $193,527,000 | 2,920 |
Average earning assets | $182,430,500 | 2,898 |
Average equity | $21,052,500 | 3,070 |
Average total loans | $109,798,000 | 3,082 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3319% | 3,450 |
Cost of funding earning assets | 0.3919% | 4,464 |
Net interest margin | 3.9400% | 2,029 |
Noninterest income to average assets | 0.7626% | 1,575 |
Noninterest expense to average assets | 2.6944% | 2,898 |
Loan and lease loss provision to assets | 0.1526% | 1,386 |
Net operating income to assets | 1.6392% | 757 |
Return on assets (ROA) | 1.6631% | 767 |
Pretax return on assets | 1.6631% | 1,294 |
Return on Equity (ROE) | 16.1375% | 523 |
Retained earnings to average equity (ytd only) | 1.9795% | 4,010 |
Net charge-offs to loans | 0.0646% | 2,172 |
Credit loss provision to net charge-offs | 410.9589% | 696 |
Earnings coverage of net charge-offs (x) | 48.2466% | 1,153 |
Efficiency ratio | 60.0476% | 3,683 |
Assets per employee ($millions) | 5.3956% | 2,153 |
Cash dividends to net income (ytd only)* | 87.7333% | 576 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1503% | 2,693 |
Loan loss allowance to noncurrent loans | 160.7098% | 2,475 |
Noncurrent assets plus other real estate owned to assets | 0.5251% | 2,316 |
Noncurrent loans to loans | 0.7158% | 2,088 |
Net loans and leases to total assets | 56.0956% | 3,916 |
Net loans and leases to deposits | 63.6322% | 4,099 |
Net loans and leases to core deposits | 69.4836% | 3,991 |
Total domestic deposits to total assets | 88.1559% | 1,058 |
Equity capital to assets | 10.7125% | 3,246 |
Core capital (leverage) ratio | 10.0952% | 3,416 |
Tier 1 risk-based capital ratio | 16.0842% | 2,376 |
Total risk-based capital ratio | 17.1148% | 2,399 |
Memoranda: | ||
Average total assets | $196,557,200 | 2,872 |
Average earning assets | $185,762,000 | 2,834 |
Average equity | $20,257,200 | 3,109 |
Average total loans | $113,078,800 | 3,036 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3660% | 3,458 |
Cost of funding earning assets | 0.3813% | 4,556 |
Net interest margin | 3.9847% | 1,998 |
Noninterest income to average assets | 0.7507% | 1,592 |
Noninterest expense to average assets | 2.6235% | 3,092 |
Loan and lease loss provision to assets | 0.2029% | 869 |
Net operating income to assets | 1.6847% | 770 |
Return on assets (ROA) | 1.7165% | 761 |
Pretax return on assets | 1.7165% | 1,295 |
Return on Equity (ROE) | 16.8191% | 500 |
Retained earnings to average equity (ytd only) | 2.3459% | 4,158 |
Net charge-offs to loans | 0.0516% | 2,092 |
Credit loss provision to net charge-offs | 681.8182% | 491 |
Earnings coverage of net charge-offs (x) | 63.4266% | 1,029 |
Efficiency ratio | 58.1409% | 3,916 |
Assets per employee ($millions) | 5.6173% | 1,917 |
Cash dividends to net income (ytd only)* | 86.0520% | 514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1591% | 2,725 |
Loan loss allowance to noncurrent loans | 305.8962% | 1,494 |
Noncurrent assets plus other real estate owned to assets | 0.2878% | 3,401 |
Noncurrent loans to loans | 0.3789% | 3,196 |
Net loans and leases to total assets | 54.6909% | 4,120 |
Net loans and leases to deposits | 61.7550% | 4,304 |
Net loans and leases to core deposits | 67.1074% | 4,210 |
Total domestic deposits to total assets | 88.5611% | 799 |
Equity capital to assets | 10.2773% | 3,746 |
Core capital (leverage) ratio | 10.1868% | 3,438 |
Tier 1 risk-based capital ratio | 15.3294% | 2,699 |
Total risk-based capital ratio | 16.3364% | 2,738 |
Memoranda: | ||
Average total assets | $197,136,500 | 2,888 |
Average earning assets | $186,039,500 | 2,858 |
Average equity | $20,119,500 | 3,146 |
Average total loans | $113,791,500 | 3,064 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4420% | 3,208 |
Cost of funding earning assets | 0.3734% | 4,606 |
Net interest margin | 4.0686% | 1,704 |
Noninterest income to average assets | 0.7501% | 1,523 |
Noninterest expense to average assets | 2.7036% | 2,890 |
Loan and lease loss provision to assets | 0.1535% | 1,189 |
Net operating income to assets | 1.7397% | 670 |
Return on assets (ROA) | 1.7397% | 703 |
Pretax return on assets | 1.7397% | 1,187 |
Return on Equity (ROE) | 17.0869% | 456 |
Retained earnings to average equity (ytd only) | 2.7942% | 3,814 |
Net charge-offs to loans | 0.0577% | 1,818 |
Credit loss provision to net charge-offs | 454.5455% | 645 |
Earnings coverage of net charge-offs (x) | 56.0606% | 1,025 |
Efficiency ratio | 58.7934% | 3,894 |
Assets per employee ($millions) | 5.4226% | 2,030 |
Cash dividends to net income (ytd only)* | 83.6471% | 747 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0158% | 3,524 |
Loan loss allowance to noncurrent loans | 131.2925% | 2,860 |
Noncurrent assets plus other real estate owned to assets | 0.5058% | 2,523 |
Noncurrent loans to loans | 0.7737% | 2,053 |
Net loans and leases to total assets | 59.4561% | 3,788 |
Net loans and leases to deposits | 67.6679% | 3,990 |
Net loans and leases to core deposits | 73.2547% | 3,928 |
Total domestic deposits to total assets | 87.8646% | 1,163 |
Equity capital to assets | 10.8450% | 3,233 |
Core capital (leverage) ratio | 10.2125% | 3,374 |
Tier 1 risk-based capital ratio | 15.5115% | 2,626 |
Total risk-based capital ratio | 16.4248% | 2,693 |
Memoranda: | ||
Average total assets | $195,441,330 | 2,908 |
Average earning assets | $184,781,330 | 2,875 |
Average equity | $19,898,330 | 3,157 |
Average total loans | $114,424,000 | 3,065 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2985% | 3,561 |
Cost of funding earning assets | 0.3625% | 4,635 |
Net interest margin | 3.9360% | 2,074 |
Noninterest income to average assets | 0.7606% | 1,395 |
Noninterest expense to average assets | 3.0545% | 1,839 |
Loan and lease loss provision to assets | 0.3026% | 422 |
Net operating income to assets | 1.1278% | 2,360 |
Return on assets (ROA) | 1.1278% | 2,410 |
Pretax return on assets | 1.1278% | 3,055 |
Return on Equity (ROE) | 11.4338% | 1,766 |
Retained earnings to average equity (ytd only) | -4.1522% | 4,874 |
Net charge-offs to loans | 0.0593% | 1,446 |
Credit loss provision to net charge-offs | 882.3529% | 415 |
Earnings coverage of net charge-offs (x) | 41.7059% | 1,127 |
Efficiency ratio | 68.0612% | 2,631 |
Assets per employee ($millions) | 5.5314% | 1,955 |
Cash dividends to net income (ytd only)* | 136.3148% | 382 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0037% | 3,679 |
Loan loss allowance to noncurrent loans | 129.2952% | 2,934 |
Noncurrent assets plus other real estate owned to assets | 0.4560% | 2,773 |
Noncurrent loans to loans | 0.7763% | 2,092 |
Net loans and leases to total assets | 58.1500% | 3,872 |
Net loans and leases to deposits | 65.3251% | 4,105 |
Net loans and leases to core deposits | 70.6936% | 4,037 |
Total domestic deposits to total assets | 89.0162% | 853 |
Equity capital to assets | 9.8328% | 3,985 |
Core capital (leverage) ratio | 9.9067% | 3,701 |
Tier 1 risk-based capital ratio | 14.7010% | 3,004 |
Total risk-based capital ratio | 15.6006% | 3,099 |
Memoranda: | ||
Average total assets | $198,266,000 | 2,919 |
Average earning assets | $187,599,500 | 2,878 |
Average equity | $19,556,000 | 3,196 |
Average total loans | $114,635,500 | 3,088 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1988% | 3,447 |
Cost of funding earning assets | 0.3186% | 4,477 |
Net interest margin | 3.8802% | 2,395 |
Noninterest income to average assets | 0.9745% | 998 |
Noninterest expense to average assets | 2.9875% | 2,078 |
Loan and lease loss provision to assets | 0.2080% | 899 |
Net operating income to assets | 1.4462% | 1,289 |
Return on assets (ROA) | 1.4462% | 1,272 |
Pretax return on assets | 1.4462% | 1,964 |
Return on Equity (ROE) | 14.4789% | 944 |
Retained earnings to average equity (ytd only) | 7.6571% | 1,392 |
Net charge-offs to loans | 0.4392% | 415 |
Credit loss provision to net charge-offs | 77.9559% | 2,895 |
Earnings coverage of net charge-offs (x) | 6.1984% | 3,113 |
Efficiency ratio | 64.3277% | 3,138 |
Assets per employee ($millions) | 5.6401% | 1,821 |
Cash dividends to net income (ytd only)* | 47.1154% | 2,123 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9270% | 4,059 |
Loan loss allowance to noncurrent loans | 113.1522% | 3,223 |
Noncurrent assets plus other real estate owned to assets | 0.4661% | 2,699 |
Noncurrent loans to loans | 0.8192% | 1,967 |
Net loans and leases to total assets | 56.3632% | 4,106 |
Net loans and leases to deposits | 63.3394% | 4,290 |
Net loans and leases to core deposits | 68.4757% | 4,209 |
Total domestic deposits to total assets | 88.9859% | 864 |
Equity capital to assets | 9.8945% | 3,768 |
Core capital (leverage) ratio | 9.8890% | 3,703 |
Tier 1 risk-based capital ratio | 15.0464% | 2,809 |
Total risk-based capital ratio | 15.8543% | 2,935 |
Memoranda: | ||
Average total assets | $186,976,600 | 2,987 |
Average earning assets | $176,716,400 | 2,957 |
Average equity | $18,675,400 | 3,220 |
Average total loans | $113,608,000 | 3,088 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1396% | 3,495 |
Cost of funding earning assets | 0.3072% | 4,470 |
Net interest margin | 3.8324% | 2,516 |
Noninterest income to average assets | 1.0623% | 842 |
Noninterest expense to average assets | 3.0445% | 1,888 |
Loan and lease loss provision to assets | 0.2712% | 560 |
Net operating income to assets | 1.3646% | 1,607 |
Return on assets (ROA) | 1.3646% | 1,609 |
Pretax return on assets | 1.3646% | 2,361 |
Return on Equity (ROE) | 13.6282% | 1,225 |
Retained earnings to average equity (ytd only) | 6.3194% | 2,480 |
Net charge-offs to loans | 0.1755% | 948 |
Credit loss provision to net charge-offs | 250.0000% | 1,176 |
Earnings coverage of net charge-offs (x) | 15.0796% | 2,252 |
Efficiency ratio | 65.0185% | 3,031 |
Assets per employee ($millions) | 4.6270% | 2,949 |
Cash dividends to net income (ytd only)* | 53.6301% | 1,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2104% | 2,566 |
Loan loss allowance to noncurrent loans | 97.6579% | 3,495 |
Noncurrent assets plus other real estate owned to assets | 0.7808% | 1,910 |
Noncurrent loans to loans | 1.2395% | 1,358 |
Net loans and leases to total assets | 62.2330% | 3,631 |
Net loans and leases to deposits | 70.4600% | 3,884 |
Net loans and leases to core deposits | 76.2124% | 3,784 |
Total domestic deposits to total assets | 88.3239% | 1,107 |
Equity capital to assets | 10.3533% | 3,277 |
Core capital (leverage) ratio | 10.4156% | 3,171 |
Tier 1 risk-based capital ratio | 14.5149% | 3,120 |
Total risk-based capital ratio | 15.5755% | 3,121 |
Memoranda: | ||
Average total assets | $184,370,250 | 3,035 |
Average earning assets | $174,055,000 | 3,009 |
Average equity | $18,461,250 | 3,262 |
Average total loans | $113,934,250 | 3,101 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0523% | 3,606 |
Cost of funding earning assets | 0.2965% | 4,440 |
Net interest margin | 3.7558% | 2,728 |
Noninterest income to average assets | 1.1073% | 783 |
Noninterest expense to average assets | 3.0365% | 1,950 |
Loan and lease loss provision to assets | 0.1077% | 1,824 |
Net operating income to assets | 1.5112% | 1,130 |
Return on assets (ROA) | 1.5112% | 1,129 |
Pretax return on assets | 1.5112% | 1,770 |
Return on Equity (ROE) | 15.2605% | 800 |
Retained earnings to average equity (ytd only) | 7.1027% | 2,029 |
Net charge-offs to loans | 0.2333% | 687 |
Credit loss provision to net charge-offs | 75.1880% | 2,303 |
Earnings coverage of net charge-offs (x) | 11.3008% | 2,281 |
Efficiency ratio | 65.2013% | 3,121 |
Assets per employee ($millions) | 4.4218% | 3,245 |
Cash dividends to net income (ytd only)* | 53.4569% | 1,545 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9736% | 3,991 |
Loan loss allowance to noncurrent loans | 132.4645% | 2,973 |
Noncurrent assets plus other real estate owned to assets | 0.4545% | 2,913 |
Noncurrent loans to loans | 0.7350% | 2,272 |
Net loans and leases to total assets | 61.2295% | 3,680 |
Net loans and leases to deposits | 68.9872% | 3,949 |
Net loans and leases to core deposits | 73.8972% | 3,887 |
Total domestic deposits to total assets | 88.7549% | 1,036 |
Equity capital to assets | 9.9684% | 3,656 |
Core capital (leverage) ratio | 10.0791% | 3,498 |
Tier 1 risk-based capital ratio | 14.0548% | 3,332 |
Total risk-based capital ratio | 14.8992% | 3,448 |
Memoranda: | ||
Average total assets | $185,675,670 | 3,041 |
Average earning assets | $175,407,000 | 3,005 |
Average equity | $18,387,330 | 3,288 |
Average total loans | $114,019,670 | 3,109 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9620% | 3,749 |
Cost of funding earning assets | 0.2861% | 4,450 |
Net interest margin | 3.6759% | 2,901 |
Noninterest income to average assets | 0.9760% | 964 |
Noninterest expense to average assets | 3.2383% | 1,480 |
Loan and lease loss provision to assets | 0.0323% | 3,072 |
Net operating income to assets | 1.1936% | 2,033 |
Return on assets (ROA) | 1.1936% | 2,048 |
Pretax return on assets | 1.1936% | 2,778 |
Return on Equity (ROE) | 12.0931% | 1,551 |
Retained earnings to average equity (ytd only) | 5.5445% | 2,932 |
Net charge-offs to loans | -0.0352% | 4,813 |
Credit loss provision to net charge-offs | -150.0000% | 3,756 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.4903% | 2,124 |
Assets per employee ($millions) | 4.4117% | 3,304 |
Cash dividends to net income (ytd only)* | 54.1516% | 1,415 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0061% | 3,913 |
Loan loss allowance to noncurrent loans | 160.8755% | 2,628 |
Noncurrent assets plus other real estate owned to assets | 0.3945% | 3,258 |
Noncurrent loans to loans | 0.6254% | 2,667 |
Net loans and leases to total assets | 62.4492% | 3,495 |
Net loans and leases to deposits | 70.4808% | 3,742 |
Net loans and leases to core deposits | 75.0070% | 3,740 |
Total domestic deposits to total assets | 88.6045% | 1,307 |
Equity capital to assets | 9.8347% | 3,761 |
Core capital (leverage) ratio | 9.8892% | 3,662 |
Tier 1 risk-based capital ratio | 13.8907% | 3,435 |
Total risk-based capital ratio | 14.7843% | 3,549 |
Memoranda: | ||
Average total assets | $185,655,500 | 3,076 |
Average earning assets | $176,174,500 | 3,031 |
Average equity | $18,324,500 | 3,323 |
Average total loans | $113,614,000 | 3,135 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0141% | 3,353 |
Cost of funding earning assets | 0.2755% | 4,356 |
Net interest margin | 3.7386% | 2,638 |
Noninterest income to average assets | 1.0483% | 921 |
Noninterest expense to average assets | 3.2010% | 1,608 |
Loan and lease loss provision to assets | 0.3214% | 525 |
Net operating income to assets | 1.0349% | 2,107 |
Return on assets (ROA) | 1.0421% | 2,116 |
Pretax return on assets | 1.0421% | 3,407 |
Return on Equity (ROE) | 10.1451% | 1,826 |
Retained earnings to average equity (ytd only) | 1.7637% | 4,260 |
Net charge-offs to loans | 0.5680% | 406 |
Credit loss provision to net charge-offs | 89.3916% | 2,801 |
Earnings coverage of net charge-offs (x) | 3.7722% | 3,560 |
Efficiency ratio | 70.2154% | 2,512 |
Assets per employee ($millions) | 4.6505% | 2,954 |
Cash dividends to net income (ytd only)* | 82.6157% | 750 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0432% | 3,667 |
Loan loss allowance to noncurrent loans | 131.9954% | 3,046 |
Noncurrent assets plus other real estate owned to assets | 0.4688% | 2,994 |
Noncurrent loans to loans | 0.7903% | 2,237 |
Net loans and leases to total assets | 58.6970% | 3,951 |
Net loans and leases to deposits | 65.5786% | 4,217 |
Net loans and leases to core deposits | 69.9370% | 4,179 |
Total domestic deposits to total assets | 89.5064% | 772 |
Equity capital to assets | 9.9055% | 3,812 |
Core capital (leverage) ratio | 9.6366% | 3,881 |
Tier 1 risk-based capital ratio | 14.1130% | 3,301 |
Total risk-based capital ratio | 15.0141% | 3,406 |
Memoranda: | ||
Average total assets | $178,285,600 | 3,141 |
Average earning assets | $167,334,000 | 3,111 |
Average equity | $18,314,200 | 3,325 |
Average total loans | $112,849,800 | 3,146 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0430% | 3,205 |
Cost of funding earning assets | 0.2722% | 4,384 |
Net interest margin | 3.7708% | 2,501 |
Noninterest income to average assets | 1.0932% | 850 |
Noninterest expense to average assets | 3.2578% | 1,442 |
Loan and lease loss provision to assets | 0.3795% | 374 |
Net operating income to assets | 0.9859% | 2,614 |
Return on assets (ROA) | 0.9897% | 2,660 |
Pretax return on assets | 0.9897% | 3,726 |
Return on Equity (ROE) | 9.5443% | 2,328 |
Retained earnings to average equity (ytd only) | 0.0656% | 5,192 |
Net charge-offs to loans | 0.6932% | 277 |
Credit loss provision to net charge-offs | 85.0847% | 2,516 |
Earnings coverage of net charge-offs (x) | 3.0610% | 3,384 |
Efficiency ratio | 70.4334% | 2,465 |
Assets per employee ($millions) | 4.3391% | 3,410 |
Cash dividends to net income (ytd only)* | 99.3124% | 323 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0205% | 3,951 |
Loan loss allowance to noncurrent loans | 298.4169% | 1,589 |
Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,247 |
Noncurrent loans to loans | 0.3420% | 3,720 |
Net loans and leases to total assets | 60.1906% | 3,840 |
Net loans and leases to deposits | 67.5660% | 4,142 |
Net loans and leases to core deposits | 72.9748% | 4,062 |
Total domestic deposits to total assets | 89.0842% | 840 |
Equity capital to assets | 10.2288% | 3,665 |
Core capital (leverage) ratio | 9.9182% | 3,675 |
Tier 1 risk-based capital ratio | 14.0056% | 3,437 |
Total risk-based capital ratio | 14.8999% | 3,543 |
Memoranda: | ||
Average total assets | $176,352,500 | 3,195 |
Average earning assets | $165,088,000 | 3,166 |
Average equity | $18,286,250 | 3,356 |
Average total loans | $113,477,750 | 3,168 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1067% | 2,806 |
Cost of funding earning assets | 0.2659% | 4,410 |
Net interest margin | 3.8408% | 2,124 |
Noninterest income to average assets | 1.0758% | 869 |
Noninterest expense to average assets | 3.2662% | 1,432 |
Loan and lease loss provision to assets | 0.4759% | 251 |
Net operating income to assets | 0.9118% | 2,855 |
Return on assets (ROA) | 0.9175% | 2,872 |
Pretax return on assets | 0.9175% | 3,871 |
Return on Equity (ROE) | 8.8067% | 2,602 |
Retained earnings to average equity (ytd only) | -5.5042% | 5,551 |
Net charge-offs to loans | 0.8289% | 237 |
Credit loss provision to net charge-offs | 87.5527% | 2,171 |
Earnings coverage of net charge-offs (x) | 2.5527% | 3,150 |
Efficiency ratio | 70.1577% | 2,648 |
Assets per employee ($millions) | 4.0285% | 3,907 |
Cash dividends to net income (ytd only)* | 162.5000% | 121 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0146% | 4,061 |
Loan loss allowance to noncurrent loans | 131.8182% | 3,037 |
Noncurrent assets plus other real estate owned to assets | 0.5080% | 3,070 |
Noncurrent loans to loans | 0.7697% | 2,475 |
Net loans and leases to total assets | 65.3339% | 3,203 |
Net loans and leases to deposits | 73.4632% | 3,602 |
Net loans and leases to core deposits | 79.4011% | 3,470 |
Total domestic deposits to total assets | 88.9342% | 993 |
Equity capital to assets | 10.5053% | 3,334 |
Core capital (leverage) ratio | 9.8293% | 3,741 |
Tier 1 risk-based capital ratio | 13.3560% | 3,772 |
Total risk-based capital ratio | 14.2567% | 3,911 |
Memoranda: | ||
Average total assets | $174,389,670 | 3,229 |
Average earning assets | $162,465,000 | 3,208 |
Average equity | $18,168,000 | 3,376 |
Average total loans | $114,362,670 | 3,164 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0733% | 2,757 |
Cost of funding earning assets | 0.2591% | 4,463 |
Net interest margin | 3.8142% | 2,071 |
Noninterest income to average assets | 1.1728% | 739 |
Noninterest expense to average assets | 3.6143% | 886 |
Loan and lease loss provision to assets | 0.1143% | 1,676 |
Net operating income to assets | 0.9784% | 2,400 |
Return on assets (ROA) | 0.9784% | 2,452 |
Pretax return on assets | 0.9784% | 3,464 |
Return on Equity (ROE) | 9.4309% | 2,212 |
Retained earnings to average equity (ytd only) | -12.6040% | 5,630 |
Net charge-offs to loans | 0.2378% | 753 |
Credit loss provision to net charge-offs | 73.5294% | 1,802 |
Earnings coverage of net charge-offs (x) | 7.0294% | 2,172 |
Efficiency ratio | 76.7363% | 1,798 |
Assets per employee ($millions) | 4.0932% | 3,854 |
Cash dividends to net income (ytd only)* | 233.6449% | 176 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0449% | 4,002 |
Loan loss allowance to noncurrent loans | 149.1925% | 2,831 |
Noncurrent assets plus other real estate owned to assets | 0.5596% | 2,995 |
Noncurrent loans to loans | 0.7004% | 2,743 |
Net loans and leases to total assets | 64.6189% | 3,180 |
Net loans and leases to deposits | 72.3721% | 3,577 |
Net loans and leases to core deposits | 78.1346% | 3,459 |
Total domestic deposits to total assets | 89.2869% | 1,011 |
Equity capital to assets | 10.1529% | 3,569 |
Core capital (leverage) ratio | 9.6190% | 3,964 |
Tier 1 risk-based capital ratio | 13.2181% | 3,934 |
Total risk-based capital ratio | 14.1449% | 4,044 |
Memoranda: | ||
Average total assets | $174,971,000 | 3,253 |
Average earning assets | $162,129,500 | 3,242 |
Average equity | $18,153,000 | 3,393 |
Average total loans | $114,376,000 | 3,187 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0322% | 3,087 |
Cost of funding earning assets | 0.2177% | 4,858 |
Net interest margin | 3.8145% | 2,261 |
Noninterest income to average assets | 1.2095% | 778 |
Noninterest expense to average assets | 3.2499% | 1,685 |
Loan and lease loss provision to assets | 0.2062% | 1,104 |
Net operating income to assets | 1.3264% | 1,155 |
Return on assets (ROA) | 1.3846% | 1,078 |
Pretax return on assets | 1.3846% | 1,999 |
Return on Equity (ROE) | 13.2690% | 929 |
Retained earnings to average equity (ytd only) | 5.3109% | 2,124 |
Net charge-offs to loans | 0.2235% | 1,242 |
Credit loss provision to net charge-offs | 143.7008% | 1,908 |
Earnings coverage of net charge-offs (x) | 10.6811% | 2,619 |
Efficiency ratio | 67.9187% | 3,248 |
Assets per employee ($millions) | 3.9530% | 4,054 |
Cash dividends to net income (ytd only)* | 59.9755% | 1,789 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0710% | 3,880 |
Loan loss allowance to noncurrent loans | 101.5833% | 3,596 |
Noncurrent assets plus other real estate owned to assets | 0.6899% | 2,643 |
Noncurrent loans to loans | 1.0543% | 1,970 |
Net loans and leases to total assets | 64.7358% | 3,252 |
Net loans and leases to deposits | 72.8387% | 3,630 |
Net loans and leases to core deposits | 79.6239% | 3,427 |
Total domestic deposits to total assets | 88.8756% | 1,172 |
Equity capital to assets | 10.5995% | 3,044 |
Core capital (leverage) ratio | 10.1983% | 3,225 |
Tier 1 risk-based capital ratio | 13.5764% | 3,721 |
Total risk-based capital ratio | 14.5114% | 3,836 |
Memoranda: | ||
Average total assets | $177,021,200 | 3,196 |
Average earning assets | $165,815,600 | 3,164 |
Average equity | $18,471,600 | 3,341 |
Average total loans | $113,642,400 | 3,162 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0022% | 3,226 |
Cost of funding earning assets | 0.2042% | 5,031 |
Net interest margin | 3.7980% | 2,340 |
Noninterest income to average assets | 1.3026% | 682 |
Noninterest expense to average assets | 3.2464% | 1,691 |
Loan and lease loss provision to assets | 0.2175% | 956 |
Net operating income to assets | 1.4091% | 1,056 |
Return on assets (ROA) | 1.4863% | 948 |
Pretax return on assets | 1.4863% | 1,752 |
Return on Equity (ROE) | 14.2994% | 768 |
Retained earnings to average equity (ytd only) | 6.2912% | 2,011 |
Net charge-offs to loans | 0.2160% | 1,076 |
Credit loss provision to net charge-offs | 157.6087% | 1,720 |
Earnings coverage of net charge-offs (x) | 11.7879% | 2,447 |
Efficiency ratio | 66.5897% | 3,490 |
Assets per employee ($millions) | 3.6678% | 4,542 |
Cash dividends to net income (ytd only)* | 56.0039% | 1,609 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0515% | 4,112 |
Loan loss allowance to noncurrent loans | 168.6111% | 2,559 |
Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,754 |
Noncurrent loans to loans | 0.6236% | 3,144 |
Net loans and leases to total assets | 66.2714% | 3,079 |
Net loans and leases to deposits | 77.6866% | 3,221 |
Net loans and leases to core deposits | 85.3922% | 3,003 |
Total domestic deposits to total assets | 85.3061% | 2,675 |
Equity capital to assets | 11.0561% | 2,951 |
Core capital (leverage) ratio | 10.0373% | 3,523 |
Tier 1 risk-based capital ratio | 13.3840% | 3,930 |
Total risk-based capital ratio | 14.3077% | 4,036 |
Memoranda: | ||
Average total assets | $177,793,250 | 3,202 |
Average earning assets | $167,136,250 | 3,165 |
Average equity | $18,480,500 | 3,370 |
Average total loans | $113,599,000 | 3,170 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9669% | 3,360 |
Cost of funding earning assets | 0.1810% | 5,309 |
Net interest margin | 3.7860% | 2,383 |
Noninterest income to average assets | 1.3029% | 675 |
Noninterest expense to average assets | 3.2885% | 1,611 |
Loan and lease loss provision to assets | 0.2784% | 662 |
Net operating income to assets | 1.3007% | 1,275 |
Return on assets (ROA) | 1.4154% | 1,084 |
Pretax return on assets | 1.4154% | 1,967 |
Return on Equity (ROE) | 13.9001% | 851 |
Retained earnings to average equity (ytd only) | 5.6978% | 2,301 |
Net charge-offs to loans | 0.2301% | 1,021 |
Credit loss provision to net charge-offs | 192.3077% | 1,338 |
Earnings coverage of net charge-offs (x) | 10.9077% | 2,295 |
Efficiency ratio | 67.5132% | 3,445 |
Assets per employee ($millions) | 3.6275% | 4,553 |
Cash dividends to net income (ytd only)* | 59.0087% | 1,569 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0295% | 4,350 |
Loan loss allowance to noncurrent loans | 234.7992% | 1,997 |
Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,322 |
Noncurrent loans to loans | 0.4385% | 3,796 |
Net loans and leases to total assets | 66.4148% | 3,024 |
Net loans and leases to deposits | 78.6100% | 3,097 |
Net loans and leases to core deposits | 84.3468% | 3,053 |
Total domestic deposits to total assets | 84.4865% | 3,098 |
Equity capital to assets | 10.5211% | 3,611 |
Core capital (leverage) ratio | 9.6422% | 4,010 |
Tier 1 risk-based capital ratio | 12.9256% | 4,244 |
Total risk-based capital ratio | 13.8464% | 4,363 |
Memoranda: | ||
Average total assets | $179,596,000 | 3,197 |
Average earning assets | $169,098,000 | 3,152 |
Average equity | $18,287,670 | 3,405 |
Average total loans | $112,980,000 | 3,190 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8758% | 3,678 |
Cost of funding earning assets | 0.1675% | 5,488 |
Net interest margin | 3.7083% | 2,634 |
Noninterest income to average assets | 1.0525% | 976 |
Noninterest expense to average assets | 3.4877% | 1,204 |
Loan and lease loss provision to assets | 0.2216% | 859 |
Net operating income to assets | 0.8265% | 3,117 |
Return on assets (ROA) | 1.0547% | 2,176 |
Pretax return on assets | 1.0547% | 3,256 |
Return on Equity (ROE) | 10.5304% | 1,769 |
Retained earnings to average equity (ytd only) | 3.4511% | 3,778 |
Net charge-offs to loans | 0.1894% | 1,030 |
Credit loss provision to net charge-offs | 192.3077% | 1,110 |
Earnings coverage of net charge-offs (x) | 9.0962% | 2,013 |
Efficiency ratio | 76.8442% | 2,065 |
Assets per employee ($millions) | 3.6657% | 4,530 |
Cash dividends to net income (ytd only)* | 67.2269% | 1,255 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0425% | 4,374 |
Loan loss allowance to noncurrent loans | 166.3309% | 2,557 |
Noncurrent assets plus other real estate owned to assets | 0.3950% | 4,009 |
Noncurrent loans to loans | 0.6268% | 3,291 |
Net loans and leases to total assets | 62.3644% | 3,476 |
Net loans and leases to deposits | 71.0842% | 3,742 |
Net loans and leases to core deposits | 75.9275% | 3,688 |
Total domestic deposits to total assets | 87.7331% | 1,791 |
Equity capital to assets | 10.4039% | 3,611 |
Core capital (leverage) ratio | 9.2808% | 4,512 |
Tier 1 risk-based capital ratio | 12.6936% | 4,462 |
Total risk-based capital ratio | 13.5634% | 4,613 |
Memoranda: | ||
Average total assets | $180,520,000 | 3,193 |
Average earning assets | $169,564,000 | 3,159 |
Average equity | $18,081,000 | 3,424 |
Average total loans | $109,830,500 | 3,243 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5549% | 4,790 |
Cost of funding earning assets | 0.1049% | 5,942 |
Net interest margin | 3.4500% | 3,721 |
Noninterest income to average assets | 1.0866% | 995 |
Noninterest expense to average assets | 3.0191% | 2,481 |
Loan and lease loss provision to assets | 0.1904% | 1,164 |
Net operating income to assets | 1.1136% | 1,860 |
Return on assets (ROA) | 1.1512% | 1,799 |
Pretax return on assets | 1.1512% | 2,835 |
Return on Equity (ROE) | 12.4212% | 1,203 |
Retained earnings to average equity (ytd only) | 4.2013% | 2,996 |
Net charge-offs to loans | 0.2004% | 1,458 |
Credit loss provision to net charge-offs | 188.4817% | 1,465 |
Earnings coverage of net charge-offs (x) | 12.9058% | 2,415 |
Efficiency ratio | 69.7993% | 3,253 |
Assets per employee ($millions) | 4.0236% | 3,900 |
Cash dividends to net income (ytd only)* | 66.1765% | 1,424 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0186% | 4,490 |
Loan loss allowance to noncurrent loans | 151.7808% | 2,781 |
Noncurrent assets plus other real estate owned to assets | 0.3944% | 4,018 |
Noncurrent loans to loans | 0.6711% | 3,179 |
Net loans and leases to total assets | 58.1699% | 4,061 |
Net loans and leases to deposits | 69.8946% | 3,933 |
Net loans and leases to core deposits | 74.4674% | 3,893 |
Total domestic deposits to total assets | 83.2252% | 3,759 |
Equity capital to assets | 9.6474% | 4,378 |
Core capital (leverage) ratio | 9.3535% | 4,394 |
Tier 1 risk-based capital ratio | 12.9414% | 4,364 |
Total risk-based capital ratio | 13.7993% | 4,496 |
Memoranda: | ||
Average total assets | $189,027,800 | 3,066 |
Average earning assets | $177,331,600 | 3,027 |
Average equity | $17,518,400 | 3,453 |
Average total loans | $95,324,000 | 3,467 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4584% | 5,081 |
Cost of funding earning assets | 0.0994% | 6,060 |
Net interest margin | 3.3589% | 4,109 |
Noninterest income to average assets | 1.1052% | 985 |
Noninterest expense to average assets | 2.9646% | 2,624 |
Loan and lease loss provision to assets | 0.1333% | 1,682 |
Net operating income to assets | 1.1599% | 1,800 |
Return on assets (ROA) | 1.1880% | 1,752 |
Pretax return on assets | 1.1880% | 2,862 |
Return on Equity (ROE) | 12.9476% | 1,134 |
Retained earnings to average equity (ytd only) | 4.2291% | 3,456 |
Net charge-offs to loans | 0.1073% | 2,058 |
Credit loss provision to net charge-offs | 256.7568% | 1,112 |
Earnings coverage of net charge-offs (x) | 24.9064% | 1,679 |
Efficiency ratio | 69.5781% | 3,275 |
Assets per employee ($millions) | 3.8026% | 4,261 |
Cash dividends to net income (ytd only)* | 67.3359% | 1,128 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0602% | 4,425 |
Loan loss allowance to noncurrent loans | 112.9550% | 3,424 |
Noncurrent assets plus other real estate owned to assets | 0.5226% | 3,754 |
Noncurrent loans to loans | 0.9386% | 2,623 |
Net loans and leases to total assets | 55.0861% | 4,455 |
Net loans and leases to deposits | 61.6745% | 4,743 |
Net loans and leases to core deposits | 65.5488% | 4,725 |
Total domestic deposits to total assets | 89.3175% | 859 |
Equity capital to assets | 10.0603% | 4,087 |
Core capital (leverage) ratio | 8.9833% | 5,010 |
Tier 1 risk-based capital ratio | 12.6082% | 4,675 |
Total risk-based capital ratio | 13.4136% | 4,888 |
Memoranda: | ||
Average total assets | $190,013,000 | 3,075 |
Average earning assets | $178,346,000 | 3,045 |
Average equity | $17,434,000 | 3,495 |
Average total loans | $91,961,750 | 3,578 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3570% | 5,317 |
Cost of funding earning assets | 0.0948% | 6,149 |
Net interest margin | 3.2622% | 4,444 |
Noninterest income to average assets | 0.9960% | 1,191 |
Noninterest expense to average assets | 2.9312% | 2,780 |
Loan and lease loss provision to assets | 0.1032% | 2,107 |
Net operating income to assets | 1.0146% | 2,316 |
Return on assets (ROA) | 1.0331% | 2,329 |
Pretax return on assets | 1.0331% | 3,443 |
Return on Equity (ROE) | 11.6045% | 1,498 |
Retained earnings to average equity (ytd only) | 2.5620% | 4,425 |
Net charge-offs to loans | 0.0984% | 2,030 |
Credit loss provision to net charge-offs | 227.2727% | 1,117 |
Earnings coverage of net charge-offs (x) | 24.6136% | 1,555 |
Efficiency ratio | 72.3426% | 2,957 |
Assets per employee ($millions) | 3.8486% | 4,169 |
Cash dividends to net income (ytd only)* | 77.9221% | 970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0475% | 4,622 |
Loan loss allowance to noncurrent loans | 105.4025% | 3,583 |
Noncurrent assets plus other real estate owned to assets | 0.5110% | 3,912 |
Noncurrent loans to loans | 0.9938% | 2,653 |
Net loans and leases to total assets | 50.8832% | 4,858 |
Net loans and leases to deposits | 56.4130% | 5,096 |
Net loans and leases to core deposits | 59.6859% | 5,089 |
Total domestic deposits to total assets | 90.1976% | 578 |
Equity capital to assets | 9.3910% | 4,792 |
Core capital (leverage) ratio | 8.3872% | 5,647 |
Tier 1 risk-based capital ratio | 12.8297% | 4,605 |
Total risk-based capital ratio | 13.6185% | 4,797 |
Memoranda: | ||
Average total assets | $193,776,670 | 3,052 |
Average earning assets | $181,352,000 | 3,034 |
Average equity | $17,252,000 | 3,531 |
Average total loans | $89,447,000 | 3,655 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2414% | 5,575 |
Cost of funding earning assets | 0.0953% | 6,222 |
Net interest margin | 3.1461% | 4,796 |
Noninterest income to average assets | 0.9319% | 1,292 |
Noninterest expense to average assets | 3.0641% | 2,382 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7968% | 3,276 |
Return on assets (ROA) | 0.8331% | 3,226 |
Pretax return on assets | 0.8331% | 4,117 |
Return on Equity (ROE) | 9.6024% | 2,178 |
Retained earnings to average equity (ytd only) | 1.9298% | 4,701 |
Net charge-offs to loans | 0.0646% | 2,098 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 28.2143% | 1,185 |
Efficiency ratio | 79.3103% | 1,986 |
Assets per employee ($millions) | 3.9534% | 4,053 |
Cash dividends to net income (ytd only)* | 79.9031% | 981 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0396% | 4,826 |
Loan loss allowance to noncurrent loans | 62.6694% | 4,652 |
Noncurrent assets plus other real estate owned to assets | 0.7778% | 3,168 |
Noncurrent loans to loans | 1.6588% | 1,675 |
Net loans and leases to total assets | 46.4026% | 5,175 |
Net loans and leases to deposits | 51.1612% | 5,380 |
Net loans and leases to core deposits | 53.9288% | 5,372 |
Total domestic deposits to total assets | 90.6989% | 468 |
Equity capital to assets | 9.1509% | 5,137 |
Core capital (leverage) ratio | 8.3209% | 5,705 |
Tier 1 risk-based capital ratio | 13.4890% | 4,327 |
Total risk-based capital ratio | 14.2668% | 4,512 |
Memoranda: | ||
Average total assets | $198,299,500 | 3,036 |
Average earning assets | $184,611,500 | 3,001 |
Average equity | $17,204,000 | 3,566 |
Average total loans | $86,674,500 | 3,736 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1601% | 5,880 |
Cost of funding earning assets | 0.1039% | 6,314 |
Net interest margin | 3.0562% | 5,302 |
Noninterest income to average assets | 0.9585% | 1,325 |
Noninterest expense to average assets | 2.6683% | 3,985 |
Loan and lease loss provision to assets | 0.1151% | 2,248 |
Net operating income to assets | 1.0501% | 2,161 |
Return on assets (ROA) | 1.0501% | 2,235 |
Pretax return on assets | 1.0501% | 3,302 |
Return on Equity (ROE) | 12.6423% | 1,227 |
Retained earnings to average equity (ytd only) | 5.0643% | 2,555 |
Net charge-offs to loans | 0.2189% | 1,918 |
Credit loss provision to net charge-offs | 129.3103% | 1,847 |
Earnings coverage of net charge-offs (x) | 13.0862% | 2,307 |
Efficiency ratio | 69.5501% | 3,620 |
Assets per employee ($millions) | 4.4008% | 3,189 |
Cash dividends to net income (ytd only)* | 59.9415% | 1,744 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1130% | 4,476 |
Loan loss allowance to noncurrent loans | 64.2710% | 4,685 |
Noncurrent assets plus other real estate owned to assets | 0.7064% | 3,453 |
Noncurrent loans to loans | 1.7317% | 1,676 |
Net loans and leases to total assets | 40.3363% | 5,722 |
Net loans and leases to deposits | 43.9997% | 5,876 |
Net loans and leases to core deposits | 46.2155% | 5,881 |
Total domestic deposits to total assets | 91.6741% | 193 |
Equity capital to assets | 8.2399% | 5,939 |
Core capital (leverage) ratio | 7.8410% | 6,081 |
Tier 1 risk-based capital ratio | 13.8644% | 4,199 |
Total risk-based capital ratio | 14.6830% | 4,390 |
Memoranda: | ||
Average total assets | $195,404,000 | 3,045 |
Average earning assets | $183,825,600 | 2,990 |
Average equity | $16,231,200 | 3,640 |
Average total loans | $79,478,400 | 3,887 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1689% | 5,936 |
Cost of funding earning assets | 0.1058% | 6,391 |
Net interest margin | 3.0631% | 5,354 |
Noninterest income to average assets | 0.9784% | 1,286 |
Noninterest expense to average assets | 2.6549% | 3,995 |
Loan and lease loss provision to assets | 0.1108% | 2,196 |
Net operating income to assets | 1.0989% | 2,036 |
Return on assets (ROA) | 1.0989% | 2,103 |
Pretax return on assets | 1.0989% | 3,189 |
Return on Equity (ROE) | 13.2014% | 1,170 |
Retained earnings to average equity (ytd only) | 5.1741% | 2,977 |
Net charge-offs to loans | 0.2130% | 1,762 |
Credit loss provision to net charge-offs | 128.0000% | 1,807 |
Earnings coverage of net charge-offs (x) | 13.9762% | 2,177 |
Efficiency ratio | 68.6436% | 3,740 |
Assets per employee ($millions) | 4.1288% | 3,602 |
Cash dividends to net income (ytd only)* | 60.8063% | 1,348 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1461% | 4,522 |
Loan loss allowance to noncurrent loans | 108.5882% | 3,467 |
Noncurrent assets plus other real estate owned to assets | 0.4299% | 4,624 |
Noncurrent loans to loans | 1.0555% | 2,963 |
Net loans and leases to total assets | 40.1702% | 5,802 |
Net loans and leases to deposits | 43.9061% | 5,977 |
Net loans and leases to core deposits | 46.2124% | 5,950 |
Total domestic deposits to total assets | 91.4912% | 235 |
Equity capital to assets | 8.3639% | 5,898 |
Core capital (leverage) ratio | 8.0532% | 6,030 |
Tier 1 risk-based capital ratio | 14.4140% | 3,932 |
Total risk-based capital ratio | 15.2611% | 4,143 |
Memoranda: | ||
Average total assets | $192,546,000 | 3,094 |
Average earning assets | $181,425,500 | 3,041 |
Average equity | $16,028,250 | 3,683 |
Average total loans | $78,255,750 | 3,953 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1791% | 5,976 |
Cost of funding earning assets | 0.1102% | 6,445 |
Net interest margin | 3.0689% | 5,350 |
Noninterest income to average assets | 0.9535% | 1,320 |
Noninterest expense to average assets | 2.7105% | 3,819 |
Loan and lease loss provision to assets | 0.0524% | 3,249 |
Net operating income to assets | 1.0825% | 2,000 |
Return on assets (ROA) | 1.0825% | 2,065 |
Pretax return on assets | 1.0825% | 3,173 |
Return on Equity (ROE) | 13.0256% | 1,167 |
Retained earnings to average equity (ytd only) | 4.1904% | 3,500 |
Net charge-offs to loans | 0.1910% | 1,879 |
Credit loss provision to net charge-offs | 67.5676% | 2,510 |
Earnings coverage of net charge-offs (x) | 14.6216% | 1,903 |
Efficiency ratio | 70.4310% | 3,585 |
Assets per employee ($millions) | 4.2242% | 3,417 |
Cash dividends to net income (ytd only)* | 67.8295% | 1,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0985% | 4,915 |
Loan loss allowance to noncurrent loans | 100.8168% | 3,625 |
Noncurrent assets plus other real estate owned to assets | 0.4884% | 4,547 |
Noncurrent loans to loans | 1.0896% | 3,052 |
Net loans and leases to total assets | 40.0335% | 5,814 |
Net loans and leases to deposits | 43.7038% | 5,999 |
Net loans and leases to core deposits | 45.9532% | 5,999 |
Total domestic deposits to total assets | 91.6018% | 236 |
Equity capital to assets | 8.2860% | 5,959 |
Core capital (leverage) ratio | 8.0343% | 6,073 |
Tier 1 risk-based capital ratio | 14.5660% | 3,889 |
Total risk-based capital ratio | 15.3825% | 4,107 |
Memoranda: | ||
Average total assets | $190,666,670 | 3,144 |
Average earning assets | $179,672,670 | 3,087 |
Average equity | $15,845,670 | 3,716 |
Average total loans | $77,496,330 | 3,987 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2222% | 5,973 |
Cost of funding earning assets | 0.1123% | 6,521 |
Net interest margin | 3.1098% | 5,216 |
Noninterest income to average assets | 1.0591% | 998 |
Noninterest expense to average assets | 3.0629% | 2,648 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.9278% | 2,512 |
Return on assets (ROA) | 0.9278% | 2,587 |
Pretax return on assets | 0.9278% | 3,598 |
Return on Equity (ROE) | 11.1465% | 1,638 |
Retained earnings to average equity (ytd only) | 4.7843% | 3,243 |
Net charge-offs to loans | 0.1560% | 1,781 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 14.6000% | 1,593 |
Efficiency ratio | 76.6985% | 2,691 |
Assets per employee ($millions) | 4.0877% | 3,741 |
Cash dividends to net income (ytd only)* | 57.0776% | 1,495 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1688% | 4,781 |
Loan loss allowance to noncurrent loans | 92.1590% | 3,813 |
Noncurrent assets plus other real estate owned to assets | 0.4856% | 4,686 |
Noncurrent loans to loans | 1.2682% | 2,911 |
Net loans and leases to total assets | 37.7638% | 5,958 |
Net loans and leases to deposits | 41.2768% | 6,118 |
Net loans and leases to core deposits | 43.4272% | 6,101 |
Total domestic deposits to total assets | 91.4893% | 380 |
Equity capital to assets | 8.3342% | 5,798 |
Core capital (leverage) ratio | 8.3850% | 5,760 |
Tier 1 risk-based capital ratio | 15.0750% | 3,672 |
Total risk-based capital ratio | 15.9222% | 3,859 |
Memoranda: | ||
Average total assets | $188,842,500 | 3,181 |
Average earning assets | $178,015,500 | 3,124 |
Average equity | $15,718,000 | 3,745 |
Average total loans | $76,917,000 | 4,036 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1763% | 6,165 |
Cost of funding earning assets | 0.1707% | 6,436 |
Net interest margin | 3.0056% | 5,567 |
Noninterest income to average assets | 1.1939% | 992 |
Noninterest expense to average assets | 2.8473% | 3,541 |
Loan and lease loss provision to assets | 0.0959% | 3,204 |
Net operating income to assets | 1.0634% | 2,065 |
Return on assets (ROA) | 1.0868% | 2,051 |
Pretax return on assets | 1.0868% | 2,998 |
Return on Equity (ROE) | 14.5655% | 837 |
Retained earnings to average equity (ytd only) | 9.1061% | 753 |
Net charge-offs to loans | 0.2636% | 2,385 |
Credit loss provision to net charge-offs | 93.2642% | 2,667 |
Earnings coverage of net charge-offs (x) | 11.2798% | 2,255 |
Efficiency ratio | 70.9995% | 3,672 |
Assets per employee ($millions) | 3.9481% | 3,971 |
Cash dividends to net income (ytd only)* | 37.4816% | 2,928 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1042% | 5,124 |
Loan loss allowance to noncurrent loans | 78.8632% | 4,209 |
Noncurrent assets plus other real estate owned to assets | 0.6214% | 4,374 |
Noncurrent loans to loans | 1.4001% | 2,794 |
Net loans and leases to total assets | 42.8617% | 5,762 |
Net loans and leases to deposits | 46.8029% | 5,960 |
Net loans and leases to core deposits | 49.3724% | 5,970 |
Total domestic deposits to total assets | 91.5791% | 380 |
Equity capital to assets | 8.3120% | 5,770 |
Core capital (leverage) ratio | 7.4014% | 6,413 |
Tier 1 risk-based capital ratio | 14.0808% | 4,245 |
Total risk-based capital ratio | 14.9100% | 4,491 |
Memoranda: | ||
Average total assets | $187,792,800 | 3,186 |
Average earning assets | $175,736,600 | 3,136 |
Average equity | $14,012,600 | 4,068 |
Average total loans | $73,208,200 | 4,157 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1085% | 6,309 |
Cost of funding earning assets | 0.1755% | 6,524 |
Net interest margin | 2.9330% | 5,734 |
Noninterest income to average assets | 1.2530% | 933 |
Noninterest expense to average assets | 2.7983% | 3,670 |
Loan and lease loss provision to assets | 0.1026% | 3,052 |
Net operating income to assets | 1.0845% | 2,068 |
Return on assets (ROA) | 1.1156% | 2,019 |
Pretax return on assets | 1.1156% | 3,045 |
Return on Equity (ROE) | 15.3830% | 733 |
Retained earnings to average equity (ytd only) | 10.3562% | 719 |
Net charge-offs to loans | 0.2894% | 2,091 |
Credit loss provision to net charge-offs | 93.5484% | 2,545 |
Earnings coverage of net charge-offs (x) | 10.8194% | 2,315 |
Efficiency ratio | 70.1421% | 3,741 |
Assets per employee ($millions) | 4.2108% | 3,400 |
Cash dividends to net income (ytd only)* | 32.6777% | 2,580 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2020% | 4,853 |
Loan loss allowance to noncurrent loans | 133.1839% | 2,788 |
Noncurrent assets plus other real estate owned to assets | 0.3810% | 5,263 |
Noncurrent loans to loans | 0.9025% | 4,016 |
Net loans and leases to total assets | 37.0060% | 6,224 |
Net loans and leases to deposits | 39.7705% | 6,390 |
Net loans and leases to core deposits | 41.8856% | 6,389 |
Total domestic deposits to total assets | 93.0487% | 123 |
Equity capital to assets | 6.7436% | 6,605 |
Core capital (leverage) ratio | 6.8434% | 6,621 |
Tier 1 risk-based capital ratio | 12.0240% | 5,764 |
Total risk-based capital ratio | 12.8570% | 5,970 |
Memoranda: | ||
Average total assets | $188,350,500 | 3,212 |
Average earning assets | $175,470,500 | 3,168 |
Average equity | $13,659,750 | 4,186 |
Average total loans | $71,404,500 | 4,249 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1496% | 6,293 |
Cost of funding earning assets | 0.1769% | 6,589 |
Net interest margin | 2.9727% | 5,637 |
Noninterest income to average assets | 1.3221% | 891 |
Noninterest expense to average assets | 2.8591% | 3,481 |
Loan and lease loss provision to assets | 0.1026% | 3,081 |
Net operating income to assets | 1.1006% | 1,925 |
Return on assets (ROA) | 1.1482% | 1,867 |
Pretax return on assets | 1.1482% | 2,894 |
Return on Equity (ROE) | 15.4457% | 743 |
Retained earnings to average equity (ytd only) | 11.8131% | 526 |
Net charge-offs to loans | 0.2241% | 2,392 |
Credit loss provision to net charge-offs | 120.2532% | 1,852 |
Earnings coverage of net charge-offs (x) | 14.1013% | 1,850 |
Efficiency ratio | 70.3005% | 3,767 |
Assets per employee ($millions) | 3.6977% | 4,403 |
Cash dividends to net income (ytd only)* | 23.5183% | 2,869 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3549% | 4,243 |
Loan loss allowance to noncurrent loans | 113.6307% | 3,146 |
Noncurrent assets plus other real estate owned to assets | 0.5304% | 4,934 |
Noncurrent loans to loans | 1.1924% | 3,567 |
Net loans and leases to total assets | 36.8476% | 6,247 |
Net loans and leases to deposits | 39.8079% | 6,410 |
Net loans and leases to core deposits | 42.0626% | 6,404 |
Total domestic deposits to total assets | 92.5635% | 174 |
Equity capital to assets | 7.2743% | 6,519 |
Core capital (leverage) ratio | 6.8960% | 6,634 |
Tier 1 risk-based capital ratio | 12.6022% | 5,430 |
Total risk-based capital ratio | 13.5184% | 5,592 |
Memoranda: | ||
Average total assets | $185,165,330 | 3,266 |
Average earning assets | $170,685,670 | 3,245 |
Average equity | $13,764,330 | 4,197 |
Average total loans | $70,496,670 | 4,297 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1312% | 6,372 |
Cost of funding earning assets | 0.1756% | 6,696 |
Net interest margin | 2.9556% | 5,691 |
Noninterest income to average assets | 1.3636% | 829 |
Noninterest expense to average assets | 3.0477% | 2,845 |
Loan and lease loss provision to assets | 0.2030% | 1,827 |
Net operating income to assets | 0.8464% | 2,918 |
Return on assets (ROA) | 0.8464% | 3,058 |
Pretax return on assets | 0.8464% | 3,967 |
Return on Equity (ROE) | 11.2688% | 1,629 |
Retained earnings to average equity (ytd only) | 4.1547% | 3,727 |
Net charge-offs to loans | 0.1669% | 2,402 |
Credit loss provision to net charge-offs | 316.6667% | 765 |
Earnings coverage of net charge-offs (x) | 16.3667% | 1,367 |
Efficiency ratio | 74.2827% | 3,218 |
Assets per employee ($millions) | 4.0092% | 3,924 |
Cash dividends to net income (ytd only)* | 63.1313% | 1,251 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3706% | 4,375 |
Loan loss allowance to noncurrent loans | 56.8570% | 4,859 |
Noncurrent assets plus other real estate owned to assets | 0.9568% | 4,017 |
Noncurrent loans to loans | 2.4107% | 2,151 |
Net loans and leases to total assets | 36.8895% | 6,234 |
Net loans and leases to deposits | 39.9986% | 6,418 |
Net loans and leases to core deposits | 42.9638% | 6,367 |
Total domestic deposits to total assets | 92.2269% | 210 |
Equity capital to assets | 7.4424% | 6,610 |
Core capital (leverage) ratio | 6.5261% | 6,743 |
Tier 1 risk-based capital ratio | 12.1161% | 5,845 |
Total risk-based capital ratio | 13.0959% | 5,976 |
Memoranda: | ||
Average total assets | $187,154,500 | 3,266 |
Average earning assets | $173,095,500 | 3,236 |
Average equity | $14,056,500 | 4,186 |
Average total loans | $71,905,000 | 4,272 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3751% | 6,509 |
Cost of funding earning assets | 0.2343% | 6,734 |
Net interest margin | 3.1408% | 5,721 |
Noninterest income to average assets | 1.3899% | 806 |
Noninterest expense to average assets | 2.8226% | 3,937 |
Loan and lease loss provision to assets | 0.4605% | 1,365 |
Net operating income to assets | 1.0018% | 2,325 |
Return on assets (ROA) | 1.0423% | 2,358 |
Pretax return on assets | 1.0423% | 3,388 |
Return on Equity (ROE) | 13.5536% | 1,095 |
Retained earnings to average equity (ytd only) | 5.9802% | 2,085 |
Net charge-offs to loans | 1.4969% | 598 |
Credit loss provision to net charge-offs | 76.8792% | 3,934 |
Earnings coverage of net charge-offs (x) | 2.4415% | 4,191 |
Efficiency ratio | 65.7800% | 4,549 |
Assets per employee ($millions) | 3.8724% | 4,221 |
Cash dividends to net income (ytd only)* | 55.8775% | 2,010 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2287% | 4,983 |
Loan loss allowance to noncurrent loans | 55.0397% | 4,872 |
Noncurrent assets plus other real estate owned to assets | 0.9366% | 4,158 |
Noncurrent loans to loans | 2.2323% | 2,428 |
Net loans and leases to total assets | 38.9674% | 6,230 |
Net loans and leases to deposits | 42.3135% | 6,450 |
Net loans and leases to core deposits | 45.7013% | 6,390 |
Total domestic deposits to total assets | 92.0920% | 232 |
Equity capital to assets | 7.5798% | 6,604 |
Core capital (leverage) ratio | 6.6447% | 6,768 |
Tier 1 risk-based capital ratio | 11.7345% | 5,937 |
Total risk-based capital ratio | 12.6307% | 6,142 |
Memoranda: | ||
Average total assets | $175,475,400 | 3,371 |
Average earning assets | $161,742,800 | 3,355 |
Average equity | $13,494,600 | 4,259 |
Average total loans | $70,210,400 | 4,353 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3905% | 6,638 |
Cost of funding earning assets | 0.2481% | 6,815 |
Net interest margin | 3.1424% | 5,837 |
Noninterest income to average assets | 1.3882% | 776 |
Noninterest expense to average assets | 2.8058% | 3,961 |
Loan and lease loss provision to assets | 0.5499% | 1,058 |
Net operating income to assets | 0.9440% | 2,773 |
Return on assets (ROA) | 0.9988% | 2,733 |
Pretax return on assets | 0.9988% | 3,717 |
Return on Equity (ROE) | 12.9374% | 1,352 |
Retained earnings to average equity (ytd only) | 6.9233% | 2,169 |
Net charge-offs to loans | 1.9626% | 375 |
Credit loss provision to net charge-offs | 69.7652% | 3,908 |
Earnings coverage of net charge-offs (x) | 1.8953% | 4,313 |
Efficiency ratio | 65.1659% | 4,596 |
Assets per employee ($millions) | 3.6339% | 4,694 |
Cash dividends to net income (ytd only)* | 46.4868% | 1,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1591% | 5,478 |
Loan loss allowance to noncurrent loans | 38.4438% | 5,722 |
Noncurrent assets plus other real estate owned to assets | 1.3576% | 3,586 |
Noncurrent loans to loans | 3.0151% | 1,852 |
Net loans and leases to total assets | 40.8216% | 6,219 |
Net loans and leases to deposits | 44.5411% | 6,478 |
Net loans and leases to core deposits | 48.3752% | 6,392 |
Total domestic deposits to total assets | 91.6491% | 258 |
Equity capital to assets | 8.1336% | 6,524 |
Core capital (leverage) ratio | 6.6535% | 6,854 |
Tier 1 risk-based capital ratio | 11.9777% | 5,949 |
Total risk-based capital ratio | 12.8339% | 6,156 |
Memoranda: | ||
Average total assets | $172,875,250 | 3,439 |
Average earning assets | $160,169,750 | 3,414 |
Average equity | $13,346,000 | 4,331 |
Average total loans | $69,430,000 | 4,413 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4071% | 6,721 |
Cost of funding earning assets | 0.2634% | 6,867 |
Net interest margin | 3.1436% | 5,879 |
Noninterest income to average assets | 1.4679% | 674 |
Noninterest expense to average assets | 2.8174% | 3,946 |
Loan and lease loss provision to assets | 0.6707% | 840 |
Net operating income to assets | 0.8877% | 2,967 |
Return on assets (ROA) | 0.9701% | 2,829 |
Pretax return on assets | 0.9701% | 3,818 |
Return on Equity (ROE) | 12.7969% | 1,416 |
Retained earnings to average equity (ytd only) | 8.2047% | 1,570 |
Net charge-offs to loans | 2.6371% | 256 |
Credit loss provision to net charge-offs | 63.9381% | 3,709 |
Earnings coverage of net charge-offs (x) | 1.4856% | 4,250 |
Efficiency ratio | 64.3065% | 4,838 |
Assets per employee ($millions) | 3.6634% | 4,610 |
Cash dividends to net income (ytd only)* | 35.8852% | 2,361 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2225% | 5,253 |
Loan loss allowance to noncurrent loans | 38.3677% | 5,742 |
Noncurrent assets plus other real estate owned to assets | 1.2443% | 3,925 |
Noncurrent loans to loans | 3.1863% | 1,827 |
Net loans and leases to total assets | 37.5868% | 6,514 |
Net loans and leases to deposits | 40.8173% | 6,705 |
Net loans and leases to core deposits | 44.7291% | 6,632 |
Total domestic deposits to total assets | 92.0855% | 214 |
Equity capital to assets | 7.7513% | 6,693 |
Core capital (leverage) ratio | 6.6556% | 6,892 |
Tier 1 risk-based capital ratio | 12.3051% | 5,718 |
Total risk-based capital ratio | 13.1786% | 5,943 |
Memoranda: | ||
Average total assets | $172,358,670 | 3,468 |
Average earning assets | $159,432,670 | 3,440 |
Average equity | $13,065,670 | 4,380 |
Average total loans | $68,560,670 | 4,465 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4800% | 6,723 |
Cost of funding earning assets | 0.2896% | 6,871 |
Net interest margin | 3.1904% | 5,807 |
Noninterest income to average assets | 1.4137% | 726 |
Noninterest expense to average assets | 2.9821% | 3,323 |
Loan and lease loss provision to assets | 0.7104% | 733 |
Net operating income to assets | 0.6658% | 4,047 |
Return on assets (ROA) | 0.6658% | 4,264 |
Pretax return on assets | 0.6658% | 4,895 |
Return on Equity (ROE) | 8.8865% | 2,875 |
Retained earnings to average equity (ytd only) | -0.5006% | 6,079 |
Net charge-offs to loans | 1.3951% | 721 |
Credit loss provision to net charge-offs | 125.2066% | 1,906 |
Earnings coverage of net charge-offs (x) | 2.4256% | 3,210 |
Efficiency ratio | 68.3163% | 4,116 |
Assets per employee ($millions) | 3.7876% | 4,453 |
Cash dividends to net income (ytd only)* | 105.6338% | 505 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7830% | 3,049 |
Loan loss allowance to noncurrent loans | 35.1722% | 5,901 |
Noncurrent assets plus other real estate owned to assets | 1.9678% | 2,953 |
Noncurrent loans to loans | 5.0695% | 1,100 |
Net loans and leases to total assets | 37.2863% | 6,542 |
Net loans and leases to deposits | 40.2371% | 6,725 |
Net loans and leases to core deposits | 43.9329% | 6,656 |
Total domestic deposits to total assets | 92.6664% | 166 |
Equity capital to assets | 7.1403% | 6,895 |
Core capital (leverage) ratio | 6.4771% | 6,973 |
Tier 1 risk-based capital ratio | 11.4849% | 6,291 |
Total risk-based capital ratio | 12.7349% | 6,272 |
Memoranda: | ||
Average total assets | $170,617,500 | 3,509 |
Average earning assets | $157,470,000 | 3,479 |
Average equity | $12,783,500 | 4,444 |
Average total loans | $69,385,500 | 4,465 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1921% | 6,074 |
Cost of funding earning assets | 0.4045% | 6,875 |
Net interest margin | 3.7876% | 3,890 |
Noninterest income to average assets | 1.3826% | 668 |
Noninterest expense to average assets | 3.4585% | 2,096 |
Loan and lease loss provision to assets | 0.4710% | 2,246 |
Net operating income to assets | 0.9032% | 2,588 |
Return on assets (ROA) | 1.0771% | 2,036 |
Pretax return on assets | 1.0771% | 2,919 |
Return on Equity (ROE) | 12.7767% | 1,212 |
Retained earnings to average equity (ytd only) | 7.4360% | 1,301 |
Net charge-offs to loans | 0.5354% | 2,866 |
Credit loss provision to net charge-offs | 179.4195% | 1,455 |
Earnings coverage of net charge-offs (x) | 5.2348% | 2,856 |
Efficiency ratio | 71.4490% | 3,704 |
Assets per employee ($millions) | 3.4727% | 5,089 |
Cash dividends to net income (ytd only)* | 41.8006% | 2,482 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6070% | 3,558 |
Loan loss allowance to noncurrent loans | 47.9665% | 5,138 |
Noncurrent assets plus other real estate owned to assets | 1.4612% | 3,788 |
Noncurrent loans to loans | 3.3502% | 1,933 |
Net loans and leases to total assets | 42.9156% | 6,307 |
Net loans and leases to deposits | 46.6529% | 6,588 |
Net loans and leases to core deposits | 51.3975% | 6,456 |
Total domestic deposits to total assets | 91.9892% | 240 |
Equity capital to assets | 7.8766% | 6,647 |
Core capital (leverage) ratio | 6.9597% | 6,877 |
Tier 1 risk-based capital ratio | 11.3982% | 6,216 |
Total risk-based capital ratio | 12.5854% | 6,253 |
Memoranda: | ||
Average total assets | $144,369,200 | 3,903 |
Average earning assets | $131,509,600 | 3,903 |
Average equity | $12,170,600 | 4,511 |
Average total loans | $70,792,600 | 4,459 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3224% | 5,880 |
Cost of funding earning assets | 0.4308% | 6,939 |
Net interest margin | 3.8917% | 3,418 |
Noninterest income to average assets | 1.4550% | 615 |
Noninterest expense to average assets | 3.5696% | 1,773 |
Loan and lease loss provision to assets | 0.4678% | 2,112 |
Net operating income to assets | 0.9623% | 2,473 |
Return on assets (ROA) | 1.2020% | 1,755 |
Pretax return on assets | 1.2020% | 2,626 |
Return on Equity (ROE) | 13.9894% | 1,039 |
Retained earnings to average equity (ytd only) | 11.2115% | 594 |
Net charge-offs to loans | 0.3414% | 3,391 |
Credit loss provision to net charge-offs | 270.7182% | 1,059 |
Earnings coverage of net charge-offs (x) | 8.2761% | 2,206 |
Efficiency ratio | 71.2813% | 3,691 |
Assets per employee ($millions) | 3.3254% | 5,431 |
Cash dividends to net income (ytd only)* | 19.8574% | 2,934 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6139% | 3,591 |
Loan loss allowance to noncurrent loans | 47.1358% | 5,182 |
Noncurrent assets plus other real estate owned to assets | 1.5637% | 3,749 |
Noncurrent loans to loans | 3.4240% | 2,008 |
Net loans and leases to total assets | 44.9317% | 6,249 |
Net loans and leases to deposits | 49.1270% | 6,554 |
Net loans and leases to core deposits | 54.4067% | 6,429 |
Total domestic deposits to total assets | 91.4604% | 306 |
Equity capital to assets | 8.2773% | 6,507 |
Core capital (leverage) ratio | 7.4411% | 6,795 |
Tier 1 risk-based capital ratio | 12.8327% | 5,217 |
Total risk-based capital ratio | 14.0840% | 5,196 |
Memoranda: | ||
Average total assets | $139,657,000 | 4,006 |
Average earning assets | $127,209,250 | 4,010 |
Average equity | $11,999,250 | 4,571 |
Average total loans | $70,693,250 | 4,504 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4787% | 5,419 |
Cost of funding earning assets | 0.4566% | 6,986 |
Net interest margin | 4.0221% | 2,730 |
Noninterest income to average assets | 1.4779% | 586 |
Noninterest expense to average assets | 3.5493% | 1,858 |
Loan and lease loss provision to assets | 0.2833% | 3,113 |
Net operating income to assets | 1.2840% | 1,360 |
Return on assets (ROA) | 1.2840% | 1,427 |
Pretax return on assets | 1.2840% | 2,189 |
Return on Equity (ROE) | 14.7347% | 847 |
Retained earnings to average equity (ytd only) | 10.4564% | 753 |
Net charge-offs to loans | 0.4002% | 2,958 |
Credit loss provision to net charge-offs | 134.7518% | 2,267 |
Earnings coverage of net charge-offs (x) | 7.4539% | 2,220 |
Efficiency ratio | 69.2509% | 4,274 |
Assets per employee ($millions) | 2.9507% | 6,190 |
Cash dividends to net income (ytd only)* | 29.0360% | 2,515 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2665% | 5,219 |
Loan loss allowance to noncurrent loans | 34.1762% | 6,036 |
Noncurrent assets plus other real estate owned to assets | 2.0279% | 3,195 |
Noncurrent loans to loans | 3.7058% | 1,897 |
Net loans and leases to total assets | 48.0953% | 6,038 |
Net loans and leases to deposits | 52.7054% | 6,418 |
Net loans and leases to core deposits | 58.9758% | 6,195 |
Total domestic deposits to total assets | 91.2530% | 406 |
Equity capital to assets | 8.5479% | 6,133 |
Core capital (leverage) ratio | 7.8471% | 6,460 |
Tier 1 risk-based capital ratio | 12.8790% | 5,020 |
Total risk-based capital ratio | 13.9541% | 5,144 |
Memoranda: | ||
Average total assets | $134,111,000 | 4,143 |
Average earning assets | $121,328,670 | 4,161 |
Average equity | $11,686,670 | 4,644 |
Average total loans | $70,465,000 | 4,554 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5055% | 5,317 |
Cost of funding earning assets | 0.4757% | 7,046 |
Net interest margin | 4.0298% | 2,565 |
Noninterest income to average assets | 1.7102% | 466 |
Noninterest expense to average assets | 3.7463% | 1,446 |
Loan and lease loss provision to assets | 0.4035% | 2,174 |
Net operating income to assets | 1.1888% | 1,551 |
Return on assets (ROA) | 1.1888% | 1,600 |
Pretax return on assets | 1.1888% | 2,419 |
Return on Equity (ROE) | 13.4972% | 1,091 |
Retained earnings to average equity (ytd only) | 4.6870% | 3,382 |
Net charge-offs to loans | 0.6583% | 1,891 |
Credit loss provision to net charge-offs | 112.0690% | 2,393 |
Earnings coverage of net charge-offs (x) | 4.4224% | 2,483 |
Efficiency ratio | 70.0581% | 4,258 |
Assets per employee ($millions) | 2.8794% | 6,395 |
Cash dividends to net income (ytd only)* | 65.2742% | 1,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2413% | 5,440 |
Loan loss allowance to noncurrent loans | 36.0387% | 5,894 |
Noncurrent assets plus other real estate owned to assets | 2.0801% | 3,221 |
Noncurrent loans to loans | 3.4443% | 2,176 |
Net loans and leases to total assets | 50.3835% | 5,797 |
Net loans and leases to deposits | 55.3315% | 6,189 |
Net loans and leases to core deposits | 62.1327% | 5,913 |
Total domestic deposits to total assets | 91.0575% | 598 |
Equity capital to assets | 8.4865% | 5,926 |
Core capital (leverage) ratio | 8.1618% | 6,030 |
Tier 1 risk-based capital ratio | 12.7151% | 5,046 |
Total risk-based capital ratio | 13.7828% | 5,212 |
Memoranda: | ||
Average total assets | $128,873,500 | 4,281 |
Average earning assets | $116,035,500 | 4,299 |
Average equity | $11,350,500 | 4,705 |
Average total loans | $70,482,000 | 4,606 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7809% | 5,487 |
Cost of funding earning assets | 0.6400% | 7,033 |
Net interest margin | 4.1409% | 2,406 |
Noninterest income to average assets | 1.3770% | 768 |
Noninterest expense to average assets | 4.1234% | 1,001 |
Loan and lease loss provision to assets | 0.2596% | 4,712 |
Net operating income to assets | 0.7581% | 2,962 |
Return on assets (ROA) | 0.8084% | 2,897 |
Pretax return on assets | 0.8084% | 3,597 |
Return on Equity (ROE) | 8.6022% | 2,464 |
Retained earnings to average equity (ytd only) | 2.2624% | 4,299 |
Net charge-offs to loans | 0.2466% | 4,813 |
Credit loss provision to net charge-offs | 188.6228% | 1,718 |
Earnings coverage of net charge-offs (x) | 7.3952% | 2,141 |
Efficiency ratio | 80.0449% | 2,407 |
Assets per employee ($millions) | 2.5503% | 6,933 |
Cash dividends to net income (ytd only)* | 73.7003% | 1,068 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1721% | 5,635 |
Loan loss allowance to noncurrent loans | 45.7158% | 5,272 |
Noncurrent assets plus other real estate owned to assets | 1.7392% | 3,696 |
Noncurrent loans to loans | 2.5639% | 2,967 |
Net loans and leases to total assets | 58.0640% | 5,016 |
Net loans and leases to deposits | 64.0773% | 5,621 |
Net loans and leases to core deposits | 77.5007% | 4,520 |
Total domestic deposits to total assets | 90.6155% | 785 |
Equity capital to assets | 9.1623% | 4,896 |
Core capital (leverage) ratio | 8.3267% | 5,649 |
Tier 1 risk-based capital ratio | 12.7542% | 4,816 |
Total risk-based capital ratio | 13.8218% | 4,947 |
Memoranda: | ||
Average total assets | $121,354,800 | 4,456 |
Average earning assets | $110,313,400 | 4,457 |
Average equity | $11,404,000 | 4,762 |
Average total loans | $67,732,400 | 4,759 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7455% | 5,869 |
Cost of funding earning assets | 0.6753% | 7,117 |
Net interest margin | 4.0701% | 2,763 |
Noninterest income to average assets | 1.3631% | 728 |
Noninterest expense to average assets | 3.9342% | 1,148 |
Loan and lease loss provision to assets | 0.2345% | 4,729 |
Net operating income to assets | 0.8974% | 2,618 |
Return on assets (ROA) | 0.8974% | 2,771 |
Pretax return on assets | 0.8974% | 3,567 |
Return on Equity (ROE) | 9.4895% | 2,323 |
Retained earnings to average equity (ytd only) | 1.0712% | 5,385 |
Net charge-offs to loans | 0.2279% | 4,567 |
Credit loss provision to net charge-offs | 186.8421% | 1,932 |
Earnings coverage of net charge-offs (x) | 9.0173% | 2,080 |
Efficiency ratio | 77.5049% | 2,694 |
Assets per employee ($millions) | 2.6231% | 6,898 |
Cash dividends to net income (ytd only)* | 88.7120% | 480 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1859% | 5,559 |
Loan loss allowance to noncurrent loans | 41.2039% | 5,545 |
Noncurrent assets plus other real estate owned to assets | 1.6490% | 3,969 |
Noncurrent loans to loans | 2.8782% | 2,774 |
Net loans and leases to total assets | 53.6610% | 5,896 |
Net loans and leases to deposits | 59.5698% | 6,345 |
Net loans and leases to core deposits | 72.1954% | 5,489 |
Total domestic deposits to total assets | 90.0809% | 838 |
Equity capital to assets | 9.4349% | 4,936 |
Core capital (leverage) ratio | 8.3347% | 5,812 |
Tier 1 risk-based capital ratio | 13.0694% | 4,523 |
Total risk-based capital ratio | 14.1173% | 4,669 |
Memoranda: | ||
Average total assets | $121,089,750 | 4,524 |
Average earning assets | $110,165,750 | 4,527 |
Average equity | $11,451,000 | 4,825 |
Average total loans | $66,685,000 | 4,879 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7901% | 5,830 |
Cost of funding earning assets | 0.7215% | 7,139 |
Net interest margin | 4.0686% | 2,704 |
Noninterest income to average assets | 1.3493% | 693 |
Noninterest expense to average assets | 4.0197% | 1,018 |
Loan and lease loss provision to assets | 0.2493% | 4,431 |
Net operating income to assets | 0.7910% | 3,007 |
Return on assets (ROA) | 0.7910% | 3,157 |
Pretax return on assets | 0.7910% | 3,910 |
Return on Equity (ROE) | 8.3577% | 2,736 |
Retained earnings to average equity (ytd only) | -0.1053% | 5,754 |
Net charge-offs to loans | 0.2763% | 3,952 |
Credit loss provision to net charge-offs | 163.0435% | 2,424 |
Earnings coverage of net charge-offs (x) | 6.8043% | 2,401 |
Efficiency ratio | 79.2775% | 2,532 |
Assets per employee ($millions) | 2.6688% | 6,829 |
Cash dividends to net income (ytd only)* | 101.2605% | 446 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1359% | 5,764 |
Loan loss allowance to noncurrent loans | 34.6048% | 6,057 |
Noncurrent assets plus other real estate owned to assets | 1.8817% | 3,644 |
Noncurrent loans to loans | 3.2825% | 2,442 |
Net loans and leases to total assets | 53.3854% | 6,064 |
Net loans and leases to deposits | 59.1685% | 6,484 |
Net loans and leases to core deposits | 72.1641% | 5,653 |
Total domestic deposits to total assets | 90.2260% | 810 |
Equity capital to assets | 9.2804% | 5,030 |
Core capital (leverage) ratio | 8.2803% | 5,804 |
Tier 1 risk-based capital ratio | 13.1267% | 4,340 |
Total risk-based capital ratio | 14.1350% | 4,492 |
Memoranda: | ||
Average total assets | $120,357,330 | 4,558 |
Average earning assets | $109,768,330 | 4,563 |
Average equity | $11,390,670 | 4,838 |
Average total loans | $66,596,330 | 4,915 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6903% | 6,277 |
Cost of funding earning assets | 0.7633% | 7,195 |
Net interest margin | 3.9270% | 3,213 |
Noninterest income to average assets | 0.7083% | 2,540 |
Noninterest expense to average assets | 3.3704% | 2,312 |
Loan and lease loss provision to assets | 0.2921% | 3,683 |
Net operating income to assets | 0.6210% | 3,798 |
Return on assets (ROA) | 0.6210% | 3,932 |
Pretax return on assets | 0.6210% | 4,525 |
Return on Equity (ROE) | 6.4972% | 3,621 |
Retained earnings to average equity (ytd only) | -1.9667% | 6,208 |
Net charge-offs to loans | 0.1918% | 3,771 |
Credit loss provision to net charge-offs | 271.8750% | 1,458 |
Earnings coverage of net charge-offs (x) | 8.5000% | 1,953 |
Efficiency ratio | 78.4483% | 2,821 |
Assets per employee ($millions) | 3.0618% | 6,084 |
Cash dividends to net income (ytd only)* | 130.2703% | 391 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1601% | 5,715 |
Loan loss allowance to noncurrent loans | 33.3482% | 6,179 |
Noncurrent assets plus other real estate owned to assets | 2.1091% | 3,369 |
Noncurrent loans to loans | 3.4788% | 2,294 |
Net loans and leases to total assets | 52.1744% | 6,252 |
Net loans and leases to deposits | 57.8325% | 6,632 |
Net loans and leases to core deposits | 70.5292% | 5,871 |
Total domestic deposits to total assets | 90.2164% | 882 |
Equity capital to assets | 9.3100% | 4,820 |
Core capital (leverage) ratio | 8.4499% | 5,467 |
Tier 1 risk-based capital ratio | 13.1843% | 4,219 |
Total risk-based capital ratio | 14.1912% | 4,355 |
Memoranda: | ||
Average total assets | $119,154,000 | 4,651 |
Average earning assets | $108,479,500 | 4,647 |
Average equity | $11,389,500 | 4,873 |
Average total loans | $66,749,000 | 4,980 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3566% | 4,913 |
Cost of funding earning assets | 1.0060% | 7,196 |
Net interest margin | 4.3505% | 1,570 |
Noninterest income to average assets | 1.1623% | 1,141 |
Noninterest expense to average assets | 3.7660% | 1,760 |
Loan and lease loss provision to assets | 0.4929% | 3,910 |
Net operating income to assets | 0.8772% | 2,256 |
Return on assets (ROA) | 1.0902% | 1,586 |
Pretax return on assets | 1.0902% | 2,283 |
Return on Equity (ROE) | 11.6094% | 1,261 |
Retained earnings to average equity (ytd only) | 5.1104% | 1,763 |
Net charge-offs to loans | 0.7331% | 2,994 |
Credit loss provision to net charge-offs | 112.9482% | 4,853 |
Earnings coverage of net charge-offs (x) | 3.1394% | 3,492 |
Efficiency ratio | 73.1212% | 4,069 |
Assets per employee ($millions) | 2.8960% | 6,461 |
Cash dividends to net income (ytd only)* | 55.9809% | 2,195 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0094% | 6,324 |
Loan loss allowance to noncurrent loans | 75.7906% | 3,618 |
Noncurrent assets plus other real estate owned to assets | 1.1689% | 4,758 |
Noncurrent loans to loans | 1.3319% | 4,699 |
Net loans and leases to total assets | 58.8365% | 5,509 |
Net loans and leases to deposits | 65.6587% | 6,090 |
Net loans and leases to core deposits | 98.7353% | 4,145 |
Total domestic deposits to total assets | 89.6096% | 1,152 |
Equity capital to assets | 9.8215% | 3,981 |
Core capital (leverage) ratio | 8.6749% | 4,964 |
Tier 1 risk-based capital ratio | 13.0169% | 4,131 |
Total risk-based capital ratio | 13.9332% | 4,312 |
Memoranda: | ||
Average total assets | $115,029,200 | 4,699 |
Average earning assets | $105,067,200 | 4,701 |
Average equity | $10,801,600 | 5,078 |
Average total loans | $68,472,200 | 4,924 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4643% | 4,608 |
Cost of funding earning assets | 1.0613% | 7,263 |
Net interest margin | 4.4030% | 1,431 |
Noninterest income to average assets | 1.1739% | 1,135 |
Noninterest expense to average assets | 3.7969% | 1,592 |
Loan and lease loss provision to assets | 0.4610% | 3,607 |
Net operating income to assets | 0.9336% | 2,295 |
Return on assets (ROA) | 0.9336% | 2,361 |
Pretax return on assets | 0.9336% | 3,119 |
Return on Equity (ROE) | 10.0581% | 1,891 |
Retained earnings to average equity (ytd only) | 4.2034% | 2,928 |
Net charge-offs to loans | 0.2320% | 4,605 |
Credit loss provision to net charge-offs | 333.6134% | 1,232 |
Earnings coverage of net charge-offs (x) | 10.0926% | 2,010 |
Efficiency ratio | 72.9367% | 4,067 |
Assets per employee ($millions) | 2.7456% | 6,746 |
Cash dividends to net income (ytd only)* | 58.2087% | 1,682 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3095% | 4,445 |
Loan loss allowance to noncurrent loans | 75.4153% | 3,602 |
Noncurrent assets plus other real estate owned to assets | 1.1369% | 4,796 |
Noncurrent loans to loans | 1.7363% | 4,028 |
Net loans and leases to total assets | 59.3434% | 5,687 |
Net loans and leases to deposits | 66.2571% | 6,287 |
Net loans and leases to core deposits | 101.4348% | 4,219 |
Total domestic deposits to total assets | 89.5653% | 936 |
Equity capital to assets | 10.0358% | 4,046 |
Core capital (leverage) ratio | 8.3491% | 5,753 |
Tier 1 risk-based capital ratio | 12.9538% | 4,224 |
Total risk-based capital ratio | 14.1721% | 4,180 |
Memoranda: | ||
Average total assets | $114,827,000 | 4,721 |
Average earning assets | $104,774,750 | 4,745 |
Average equity | $10,657,750 | 5,154 |
Average total loans | $68,377,750 | 4,975 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5840% | 4,152 |
Cost of funding earning assets | 1.1571% | 7,226 |
Net interest margin | 4.4269% | 1,347 |
Noninterest income to average assets | 1.2349% | 1,012 |
Noninterest expense to average assets | 3.6664% | 1,903 |
Loan and lease loss provision to assets | 0.2791% | 4,340 |
Net operating income to assets | 1.3134% | 1,200 |
Return on assets (ROA) | 1.3134% | 1,273 |
Pretax return on assets | 1.3134% | 1,981 |
Return on Equity (ROE) | 14.5470% | 896 |
Retained earnings to average equity (ytd only) | 5.5058% | 2,247 |
Net charge-offs to loans | 0.1352% | 4,814 |
Credit loss provision to net charge-offs | 347.8261% | 1,333 |
Earnings coverage of net charge-offs (x) | 19.8478% | 1,340 |
Efficiency ratio | 69.5191% | 4,872 |
Assets per employee ($millions) | 2.5370% | 7,182 |
Cash dividends to net income (ytd only)* | 62.1514% | 1,605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0595% | 5,840 |
Loan loss allowance to noncurrent loans | 86.5116% | 3,280 |
Noncurrent assets plus other real estate owned to assets | 0.7964% | 5,400 |
Noncurrent loans to loans | 1.2246% | 4,759 |
Net loans and leases to total assets | 62.2445% | 5,321 |
Net loans and leases to deposits | 72.1378% | 5,716 |
Net loans and leases to core deposits | 109.6295% | 3,417 |
Total domestic deposits to total assets | 86.2855% | 2,634 |
Equity capital to assets | 9.9618% | 3,994 |
Core capital (leverage) ratio | 8.6927% | 5,098 |
Tier 1 risk-based capital ratio | 12.9605% | 4,175 |
Total risk-based capital ratio | 13.9648% | 4,263 |
Memoranda: | ||
Average total assets | $114,663,670 | 4,755 |
Average earning assets | $104,226,670 | 4,783 |
Average equity | $10,352,670 | 5,266 |
Average total loans | $68,056,670 | 5,028 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5465% | 4,656 |
Cost of funding earning assets | 1.3581% | 6,849 |
Net interest margin | 4.1884% | 1,940 |
Noninterest income to average assets | 1.4735% | 647 |
Noninterest expense to average assets | 3.6012% | 1,865 |
Loan and lease loss provision to assets | 0.2754% | 3,758 |
Net operating income to assets | 1.3875% | 1,166 |
Return on assets (ROA) | 1.3875% | 1,258 |
Pretax return on assets | 1.3875% | 2,003 |
Return on Equity (ROE) | 16.1701% | 794 |
Retained earnings to average equity (ytd only) | 6.7810% | 2,297 |
Net charge-offs to loans | 0.0358% | 5,011 |
Credit loss provision to net charge-offs | 1,333.3333% | 474 |
Earnings coverage of net charge-offs (x) | 80.5000% | 521 |
Efficiency ratio | 68.2145% | 4,920 |
Assets per employee ($millions) | 2.4689% | 7,341 |
Cash dividends to net income (ytd only)* | 58.0645% | 1,545 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0305% | 5,932 |
Loan loss allowance to noncurrent loans | 485.5172% | 718 |
Noncurrent assets plus other real estate owned to assets | 0.1499% | 7,121 |
Noncurrent loans to loans | 0.2122% | 6,924 |
Net loans and leases to total assets | 58.2692% | 5,902 |
Net loans and leases to deposits | 64.9040% | 6,471 |
Net loans and leases to core deposits | 97.0532% | 4,842 |
Total domestic deposits to total assets | 89.7776% | 897 |
Equity capital to assets | 9.6045% | 4,522 |
Core capital (leverage) ratio | 8.2412% | 6,014 |
Tier 1 risk-based capital ratio | 12.9112% | 4,238 |
Total risk-based capital ratio | 13.8698% | 4,375 |
Memoranda: | ||
Average total assets | $116,182,500 | 4,748 |
Average earning assets | $105,147,000 | 4,769 |
Average equity | $9,969,000 | 5,396 |
Average total loans | $66,972,500 | 5,093 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1819% | 4,607 |
Cost of funding earning assets | 2.1503% | 5,830 |
Net interest margin | 4.0316% | 2,971 |
Noninterest income to average assets | 1.4561% | 669 |
Noninterest expense to average assets | 3.7841% | 1,785 |
Loan and lease loss provision to assets | 0.1851% | 5,040 |
Net operating income to assets | 1.0793% | 2,226 |
Return on assets (ROA) | 1.0793% | 2,144 |
Pretax return on assets | 1.0793% | 3,103 |
Return on Equity (ROE) | 13.8270% | 1,141 |
Retained earnings to average equity (ytd only) | 3.4982% | 2,964 |
Net charge-offs to loans | 0.1747% | 4,451 |
Credit loss provision to net charge-offs | 198.0198% | 2,466 |
Earnings coverage of net charge-offs (x) | 13.5248% | 2,125 |
Efficiency ratio | 74.6975% | 3,459 |
Assets per employee ($millions) | 2.4750% | 7,248 |
Cash dividends to net income (ytd only)* | 74.6998% | 1,956 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9600% | 6,346 |
Loan loss allowance to noncurrent loans | 630.0000% | 717 |
Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,994 |
Noncurrent loans to loans | 0.1524% | 6,954 |
Net loans and leases to total assets | 55.8740% | 6,456 |
Net loans and leases to deposits | 60.8765% | 7,022 |
Net loans and leases to core deposits | 90.4229% | 5,766 |
Total domestic deposits to total assets | 91.7826% | 162 |
Equity capital to assets | 7.5589% | 7,335 |
Core capital (leverage) ratio | 6.4960% | 7,938 |
Tier 1 risk-based capital ratio | 10.1970% | 6,522 |
Total risk-based capital ratio | 11.0758% | 6,815 |
Memoranda: | ||
Average total assets | $108,032,000 | 4,830 |
Average earning assets | $96,265,400 | 4,911 |
Average equity | $8,432,800 | 5,932 |
Average total loans | $57,808,400 | 5,371 |