Home > Islanders Bank > Performance and Condition Ratios
Islanders Bank, Performance and Condition Ratios
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 | 3.6092% | 3,791 |
Cost of funding earning assets | 0.1363% | 4,769 |
Net interest margin | 3.4729% | 2,553 |
Noninterest income to average assets | 0.2259% | 4,148 |
Noninterest expense to average assets | 2.2368% | 3,569 |
Loan and lease loss provision to assets | 0.1949% | 2,009 |
Net operating income to assets | 0.9564% | 2,454 |
Return on assets (ROA) | 0.9564% | 2,602 |
Pretax return on assets | 1.1337% | 2,573 |
Return on Equity (ROE) | 10.4068% | 1,841 |
Retained earnings to average equity (ytd only) | -26.7268% | 4,972 |
Net charge-offs to loans | 0.0215% | 2,629 |
Credit loss provision to net charge-offs | 1,557.5000% | 534 |
Earnings coverage of net charge-offs (x) | 106.1750% | 755 |
Efficiency ratio | 62.7358% | 3,013 |
Assets per employee ($millions) | 7.7003% | 1,167 |
Cash dividends to net income (ytd only)* | 356.8204% | 20 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5857% | 1,334 |
Loan loss allowance to noncurrent loans | 300.1055% | 1,716 |
Noncurrent assets plus other real estate owned to assets | 0.2736% | 2,928 |
Noncurrent loans to loans | 0.5284% | 2,396 |
Net loans and leases to total assets | 50.9575% | 3,750 |
Net loans and leases to deposits | 55.5119% | 4,028 |
Net loans and leases to core deposits | 56.0941% | 4,147 |
Total domestic deposits to total assets | 91.7957% | 88 |
Equity capital to assets | 7.9674% | 4,721 |
Core capital (leverage) ratio | 7.8669% | 4,697 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6469% | 1,643 |
Memoranda: | ||
Average total assets | $319,652,000 | 2,194 |
Average earning assets | $307,380,800 | 2,131 |
Average equity | $29,375,000 | 2,512 |
Average total loans | $185,689,800 | 2,367 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7699% | 3,644 |
Cost of funding earning assets | 0.1366% | 4,839 |
Net interest margin | 3.6333% | 2,149 |
Noninterest income to average assets | 0.2305% | 4,115 |
Noninterest expense to average assets | 2.1721% | 3,743 |
Loan and lease loss provision to assets | 0.1559% | 2,449 |
Net operating income to assets | 1.1576% | 1,796 |
Return on assets (ROA) | 1.1576% | 1,908 |
Pretax return on assets | 1.3941% | 1,760 |
Return on Equity (ROE) | 12.1495% | 1,330 |
Retained earnings to average equity (ytd only) | -34.6821% | 5,009 |
Net charge-offs to loans | -0.0085% | 4,186 |
Credit loss provision to net charge-offs | -3,050.0000% | 4,157 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.3562% | 3,618 |
Assets per employee ($millions) | 6.6744% | 1,691 |
Cash dividends to net income (ytd only)* | 385.4619% | 21 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3985% | 1,745 |
Loan loss allowance to noncurrent loans | 206.4113% | 2,152 |
Noncurrent assets plus other real estate owned to assets | 0.3757% | 2,647 |
Noncurrent loans to loans | 0.6776% | 2,097 |
Net loans and leases to total assets | 54.6802% | 3,737 |
Net loans and leases to deposits | 59.6753% | 4,080 |
Net loans and leases to core deposits | 60.3225% | 4,186 |
Total domestic deposits to total assets | 91.6294% | 90 |
Equity capital to assets | 8.1271% | 4,668 |
Core capital (leverage) ratio | 8.1503% | 4,564 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1418% | 1,782 |
Memoranda: | ||
Average total assets | $312,937,000 | 2,207 |
Average earning assets | $300,727,500 | 2,147 |
Average equity | $29,816,750 | 2,485 |
Average total loans | $187,257,500 | 2,357 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9866% | 3,363 |
Cost of funding earning assets | 0.1398% | 4,905 |
Net interest margin | 3.8468% | 1,697 |
Noninterest income to average assets | 0.2383% | 4,050 |
Noninterest expense to average assets | 2.2792% | 3,577 |
Loan and lease loss provision to assets | 0.1850% | 2,175 |
Net operating income to assets | 1.2153% | 1,601 |
Return on assets (ROA) | 1.2153% | 1,719 |
Pretax return on assets | 1.4695% | 1,529 |
Return on Equity (ROE) | 12.0913% | 1,312 |
Retained earnings to average equity (ytd only) | -56.5069% | 5,051 |
Net charge-offs to loans | -0.0129% | 4,276 |
Credit loss provision to net charge-offs | -2,341.6667% | 3,932 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.9414% | 3,696 |
Assets per employee ($millions) | 6.9597% | 1,457 |
Cash dividends to net income (ytd only)* | 567.3348% | 17 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3906% | 1,622 |
Loan loss allowance to noncurrent loans | 241.3598% | 1,857 |
Noncurrent assets plus other real estate owned to assets | 0.3308% | 2,984 |
Noncurrent loans to loans | 0.5762% | 2,426 |
Net loans and leases to total assets | 56.6131% | 3,636 |
Net loans and leases to deposits | 62.0031% | 4,004 |
Net loans and leases to core deposits | 62.9098% | 4,134 |
Total domestic deposits to total assets | 91.3068% | 104 |
Equity capital to assets | 8.3443% | 4,567 |
Core capital (leverage) ratio | 8.6210% | 4,281 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0775% | 1,780 |
Memoranda: | ||
Average total assets | $303,784,667 | 2,230 |
Average earning assets | $291,824,000 | 2,177 |
Average equity | $30,534,333 | 2,436 |
Average total loans | $186,754,000 | 2,335 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2594% | 3,038 |
Cost of funding earning assets | 0.1452% | 4,979 |
Net interest margin | 4.1142% | 1,107 |
Noninterest income to average assets | 0.2720% | 3,902 |
Noninterest expense to average assets | 2.3464% | 3,667 |
Loan and lease loss provision to assets | 0.0122% | 3,626 |
Net operating income to assets | 1.5264% | 733 |
Return on assets (ROA) | 1.5264% | 801 |
Pretax return on assets | 1.8633% | 609 |
Return on Equity (ROE) | 13.9068% | 714 |
Retained earnings to average equity (ytd only) | -67.0191% | 5,098 |
Net charge-offs to loans | -0.0064% | 3,926 |
Credit loss provision to net charge-offs | -300.0000% | 3,298 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.5769% | 4,249 |
Assets per employee ($millions) | 5.7539% | 1,893 |
Cash dividends to net income (ytd only)* | 581.9149% | 39 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2280% | 2,519 |
Loan loss allowance to noncurrent loans | 258.4091% | 1,720 |
Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,254 |
Noncurrent loans to loans | 0.4752% | 2,826 |
Net loans and leases to total assets | 62.3271% | 3,264 |
Net loans and leases to deposits | 69.8274% | 3,609 |
Net loans and leases to core deposits | 70.8996% | 3,820 |
Total domestic deposits to total assets | 89.2588% | 562 |
Equity capital to assets | 10.2178% | 3,585 |
Core capital (leverage) ratio | 10.0457% | 3,413 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.9896% | 1,352 |
Memoranda: | ||
Average total assets | $295,603,500 | 2,236 |
Average earning assets | $283,798,000 | 2,176 |
Average equity | $32,444,500 | 2,334 |
Average total loans | $188,230,500 | 2,274 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4783% | 3,015 |
Cost of funding earning assets | 0.1359% | 5,063 |
Net interest margin | 4.3423% | 997 |
Noninterest income to average assets | 0.3493% | 3,611 |
Noninterest expense to average assets | 2.3495% | 3,825 |
Loan and lease loss provision to assets | 0.0630% | 2,778 |
Net operating income to assets | 1.7211% | 631 |
Return on assets (ROA) | 1.7208% | 671 |
Pretax return on assets | 2.0964% | 481 |
Return on Equity (ROE) | 14.7135% | 741 |
Retained earnings to average equity (ytd only) | 7.3567% | 1,231 |
Net charge-offs to loans | 0.0568% | 2,291 |
Credit loss provision to net charge-offs | 166.6667% | 1,551 |
Earnings coverage of net charge-offs (x) | 57.1296% | 1,016 |
Efficiency ratio | 52.1037% | 4,597 |
Assets per employee ($millions) | 5.7261% | 1,859 |
Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2996% | 1,923 |
Loan loss allowance to noncurrent loans | 334.1398% | 1,386 |
Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,437 |
Noncurrent loans to loans | 0.3889% | 3,041 |
Net loans and leases to total assets | 63.4081% | 3,265 |
Net loans and leases to deposits | 72.1742% | 3,512 |
Net loans and leases to core deposits | 73.2532% | 3,779 |
Total domestic deposits to total assets | 87.8542% | 1,196 |
Equity capital to assets | 11.7226% | 2,339 |
Core capital (leverage) ratio | 11.6625% | 1,988 |
Tier 1 risk-based capital ratio | 18.1716% | 1,723 |
Total risk-based capital ratio | 19.4226% | 1,674 |
Memoranda: | ||
Average total assets | $285,674,400 | 2,245 |
Average earning assets | $273,677,600 | 2,183 |
Average equity | $33,411,600 | 2,212 |
Average total loans | $190,289,200 | 2,231 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5253% | 2,977 |
Cost of funding earning assets | 0.1340% | 5,141 |
Net interest margin | 4.3913% | 968 |
Noninterest income to average assets | 0.3778% | 3,450 |
Noninterest expense to average assets | 2.3656% | 3,776 |
Loan and lease loss provision to assets | 0.0637% | 2,617 |
Net operating income to assets | 1.7603% | 663 |
Return on assets (ROA) | 1.7599% | 699 |
Pretax return on assets | 2.1524% | 499 |
Return on Equity (ROE) | 15.0569% | 766 |
Retained earnings to average equity (ytd only) | 7.5305% | 1,605 |
Net charge-offs to loans | 0.0772% | 1,722 |
Credit loss provision to net charge-offs | 122.7273% | 1,920 |
Earnings coverage of net charge-offs (x) | 42.7191% | 1,312 |
Efficiency ratio | 51.6265% | 4,633 |
Assets per employee ($millions) | 6.1426% | 1,501 |
Cash dividends to net income (ytd only)* | 49.9865% | 1,675 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2774% | 2,081 |
Loan loss allowance to noncurrent loans | 437.8815% | 1,095 |
Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,814 |
Noncurrent loans to loans | 0.2917% | 3,489 |
Net loans and leases to total assets | 63.9277% | 3,295 |
Net loans and leases to deposits | 72.7263% | 3,576 |
Net loans and leases to core deposits | 73.5555% | 3,854 |
Total domestic deposits to total assets | 87.9019% | 1,079 |
Equity capital to assets | 11.6274% | 2,575 |
Core capital (leverage) ratio | 11.6846% | 2,091 |
Tier 1 risk-based capital ratio | 17.7212% | 1,895 |
Total risk-based capital ratio | 18.9718% | 1,851 |
Memoranda: | ||
Average total assets | $282,653,750 | 2,280 |
Average earning assets | $270,618,500 | 2,224 |
Average equity | $33,038,250 | 2,253 |
Average total loans | $190,039,500 | 2,253 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5527% | 2,833 |
Cost of funding earning assets | 0.1335% | 5,190 |
Net interest margin | 4.4192% | 911 |
Noninterest income to average assets | 0.3999% | 3,273 |
Noninterest expense to average assets | 2.4251% | 3,672 |
Loan and lease loss provision to assets | 0.0646% | 2,524 |
Net operating income to assets | 1.7532% | 657 |
Return on assets (ROA) | 1.7538% | 685 |
Pretax return on assets | 2.1415% | 505 |
Return on Equity (ROE) | 14.9770% | 766 |
Retained earnings to average equity (ytd only) | 7.4916% | 1,603 |
Net charge-offs to loans | 0.1086% | 1,320 |
Credit loss provision to net charge-offs | 87.3786% | 2,158 |
Earnings coverage of net charge-offs (x) | 29.8252% | 1,468 |
Efficiency ratio | 52.3721% | 4,624 |
Assets per employee ($millions) | 5.8385% | 1,664 |
Cash dividends to net income (ytd only)* | 49.9795% | 1,797 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2581% | 2,206 |
Loan loss allowance to noncurrent loans | 176.6740% | 2,349 |
Noncurrent assets plus other real estate owned to assets | 0.4849% | 2,605 |
Noncurrent loans to loans | 0.7121% | 2,204 |
Net loans and leases to total assets | 67.2425% | 2,932 |
Net loans and leases to deposits | 76.8332% | 3,257 |
Net loans and leases to core deposits | 77.8415% | 3,591 |
Total domestic deposits to total assets | 87.5174% | 1,333 |
Equity capital to assets | 11.9812% | 2,194 |
Core capital (leverage) ratio | 11.9974% | 1,832 |
Tier 1 risk-based capital ratio | 17.5449% | 1,927 |
Total risk-based capital ratio | 18.7953% | 1,886 |
Memoranda: | ||
Average total assets | $278,589,330 | 2,304 |
Average earning assets | $266,698,330 | 2,250 |
Average equity | $32,623,330 | 2,265 |
Average total loans | $189,743,330 | 2,262 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5284% | 2,779 |
Cost of funding earning assets | 0.1340% | 5,234 |
Net interest margin | 4.3944% | 922 |
Noninterest income to average assets | 0.3701% | 3,376 |
Noninterest expense to average assets | 2.4251% | 3,700 |
Loan and lease loss provision to assets | 0.0648% | 2,366 |
Net operating income to assets | 1.7096% | 716 |
Return on assets (ROA) | 1.7108% | 741 |
Pretax return on assets | 2.0852% | 542 |
Return on Equity (ROE) | 14.7823% | 794 |
Retained earnings to average equity (ytd only) | 7.3912% | 1,888 |
Net charge-offs to loans | -0.0063% | 4,084 |
Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.0227% | 4,616 |
Assets per employee ($millions) | 5.2516% | 2,225 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,622 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2899% | 2,136 |
Loan loss allowance to noncurrent loans | 571.2297% | 937 |
Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,033 |
Noncurrent loans to loans | 0.2258% | 3,773 |
Net loans and leases to total assets | 67.6884% | 2,804 |
Net loans and leases to deposits | 77.1055% | 3,152 |
Net loans and leases to core deposits | 78.2833% | 3,494 |
Total domestic deposits to total assets | 87.7867% | 1,443 |
Equity capital to assets | 11.6808% | 2,250 |
Core capital (leverage) ratio | 11.8553% | 1,868 |
Tier 1 risk-based capital ratio | 17.1903% | 2,048 |
Total risk-based capital ratio | 18.4411% | 1,992 |
Memoranda: | ||
Average total assets | $277,760,500 | 2,324 |
Average earning assets | $265,700,500 | 2,275 |
Average equity | $32,146,500 | 2,291 |
Average total loans | $189,192,000 | 2,290 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3559% | 2,909 |
Cost of funding earning assets | 0.0967% | 5,294 |
Net interest margin | 4.2592% | 1,248 |
Noninterest income to average assets | 0.4397% | 3,168 |
Noninterest expense to average assets | 2.3877% | 3,915 |
Loan and lease loss provision to assets | 0.0319% | 3,549 |
Net operating income to assets | 1.7312% | 638 |
Return on assets (ROA) | 1.7280% | 645 |
Pretax return on assets | 2.0883% | 451 |
Return on Equity (ROE) | 16.0631% | 622 |
Retained earnings to average equity (ytd only) | 8.0299% | 1,222 |
Net charge-offs to loans | 0.0091% | 3,367 |
Credit loss provision to net charge-offs | 529.4118% | 659 |
Earnings coverage of net charge-offs (x) | 352.6471% | 293 |
Efficiency ratio | 52.9213% | 4,722 |
Assets per employee ($millions) | 5.1330% | 2,346 |
Cash dividends to net income (ytd only)* | 50.0103% | 1,952 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2873% | 2,108 |
Loan loss allowance to noncurrent loans | 687.7493% | 831 |
Noncurrent assets plus other real estate owned to assets | 0.1266% | 4,188 |
Noncurrent loans to loans | 0.1872% | 3,901 |
Net loans and leases to total assets | 66.7809% | 3,032 |
Net loans and leases to deposits | 75.8740% | 3,358 |
Net loans and leases to core deposits | 77.2517% | 3,627 |
Total domestic deposits to total assets | 88.0155% | 1,289 |
Equity capital to assets | 11.4657% | 2,276 |
Core capital (leverage) ratio | 11.1585% | 2,392 |
Tier 1 risk-based capital ratio | 17.0117% | 2,063 |
Total risk-based capital ratio | 18.2623% | 2,008 |
Memoranda: | ||
Average total assets | $282,239,600 | 2,256 |
Average earning assets | $269,840,600 | 2,197 |
Average equity | $30,361,600 | 2,316 |
Average total loans | $186,150,200 | 2,284 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2029% | 3,311 |
Cost of funding earning assets | 0.0905% | 5,371 |
Net interest margin | 4.1124% | 1,593 |
Noninterest income to average assets | 0.4510% | 3,164 |
Noninterest expense to average assets | 2.3510% | 3,973 |
Loan and lease loss provision to assets | 0.0423% | 3,141 |
Net operating income to assets | 1.6455% | 850 |
Return on assets (ROA) | 1.6451% | 861 |
Pretax return on assets | 1.9889% | 635 |
Return on Equity (ROE) | 15.5428% | 778 |
Retained earnings to average equity (ytd only) | 7.7714% | 1,757 |
Net charge-offs to loans | 0.0050% | 3,261 |
Credit loss provision to net charge-offs | 1,285.7143% | 314 |
Earnings coverage of net charge-offs (x) | 617.3483% | 142 |
Efficiency ratio | 53.6431% | 4,641 |
Assets per employee ($millions) | 5.6871% | 1,744 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,587 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3290% | 1,968 |
Loan loss allowance to noncurrent loans | 682.8169% | 831 |
Noncurrent assets plus other real estate owned to assets | 0.1200% | 4,374 |
Noncurrent loans to loans | 0.1946% | 4,013 |
Net loans and leases to total assets | 60.8564% | 3,759 |
Net loans and leases to deposits | 68.3021% | 4,041 |
Net loans and leases to core deposits | 69.4468% | 4,224 |
Total domestic deposits to total assets | 89.0988% | 816 |
Equity capital to assets | 10.3520% | 3,278 |
Core capital (leverage) ratio | 10.6851% | 2,897 |
Tier 1 risk-based capital ratio | 16.7320% | 2,195 |
Total risk-based capital ratio | 17.9825% | 2,140 |
Memoranda: | ||
Average total assets | $283,503,500 | 2,254 |
Average earning assets | $271,041,500 | 2,200 |
Average equity | $30,006,750 | 2,339 |
Average total loans | $185,807,750 | 2,295 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1480% | 3,286 |
Cost of funding earning assets | 0.0899% | 5,428 |
Net interest margin | 4.0581% | 1,677 |
Noninterest income to average assets | 0.4617% | 3,081 |
Noninterest expense to average assets | 2.3312% | 4,072 |
Loan and lease loss provision to assets | 0.0644% | 2,614 |
Net operating income to assets | 1.6096% | 903 |
Return on assets (ROA) | 1.6090% | 912 |
Pretax return on assets | 1.9411% | 701 |
Return on Equity (ROE) | 15.0851% | 826 |
Retained earnings to average equity (ytd only) | 7.5425% | 1,823 |
Net charge-offs to loans | 0.0075% | 2,860 |
Credit loss provision to net charge-offs | 1,285.7143% | 328 |
Earnings coverage of net charge-offs (x) | 400.4286% | 232 |
Efficiency ratio | 53.7459% | 4,717 |
Assets per employee ($millions) | 5.6198% | 1,784 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,668 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3187% | 2,083 |
Loan loss allowance to noncurrent loans | 669.6133% | 858 |
Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,357 |
Noncurrent loans to loans | 0.1969% | 4,018 |
Net loans and leases to total assets | 64.5565% | 3,334 |
Net loans and leases to deposits | 72.7096% | 3,658 |
Net loans and leases to core deposits | 74.3276% | 3,859 |
Total domestic deposits to total assets | 88.7868% | 1,021 |
Equity capital to assets | 10.7445% | 2,896 |
Core capital (leverage) ratio | 11.0292% | 2,494 |
Tier 1 risk-based capital ratio | 15.7370% | 2,540 |
Total risk-based capital ratio | 16.9822% | 2,483 |
Memoranda: | ||
Average total assets | $279,428,330 | 2,293 |
Average earning assets | $266,874,000 | 2,235 |
Average equity | $29,804,330 | 2,364 |
Average total loans | $186,945,670 | 2,288 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0834% | 3,288 |
Cost of funding earning assets | 0.0901% | 5,480 |
Net interest margin | 3.9932% | 1,746 |
Noninterest income to average assets | 0.4077% | 3,408 |
Noninterest expense to average assets | 2.2710% | 4,251 |
Loan and lease loss provision to assets | 0.0861% | 2,077 |
Net operating income to assets | 1.5532% | 949 |
Return on assets (ROA) | 1.5532% | 955 |
Pretax return on assets | 1.8662% | 784 |
Return on Equity (ROE) | 14.6162% | 873 |
Retained earnings to average equity (ytd only) | 7.3081% | 2,145 |
Net charge-offs to loans | 0.0170% | 2,170 |
Credit loss provision to net charge-offs | 750.0000% | 436 |
Earnings coverage of net charge-offs (x) | 170.0000% | 382 |
Efficiency ratio | 53.7729% | 4,818 |
Assets per employee ($millions) | 5.2728% | 2,163 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2738% | 2,378 |
Loan loss allowance to noncurrent loans | 362.5758% | 1,429 |
Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,924 |
Noncurrent loans to loans | 0.3513% | 3,515 |
Net loans and leases to total assets | 66.3680% | 2,980 |
Net loans and leases to deposits | 74.7025% | 3,343 |
Net loans and leases to core deposits | 76.4754% | 3,626 |
Total domestic deposits to total assets | 88.8431% | 1,184 |
Equity capital to assets | 10.6151% | 2,955 |
Core capital (leverage) ratio | 11.0346% | 2,407 |
Tier 1 risk-based capital ratio | 15.5331% | 2,654 |
Total risk-based capital ratio | 16.7700% | 2,596 |
Memoranda: | ||
Average total assets | $278,647,000 | 2,310 |
Average earning assets | $266,250,500 | 2,262 |
Average equity | $29,611,000 | 2,400 |
Average total loans | $188,507,500 | 2,292 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1947% | 2,703 |
Cost of funding earning assets | 0.0930% | 5,520 |
Net interest margin | 4.1017% | 1,427 |
Noninterest income to average assets | 0.4734% | 3,166 |
Noninterest expense to average assets | 2.4211% | 4,016 |
Loan and lease loss provision to assets | 0.0893% | 2,404 |
Net operating income to assets | 1.2128% | 1,481 |
Return on assets (ROA) | 1.2128% | 1,507 |
Pretax return on assets | 1.8658% | 653 |
Return on Equity (ROE) | 10.5866% | 1,641 |
Retained earnings to average equity (ytd only) | -10.9404% | 5,545 |
Net charge-offs to loans | -0.0069% | 4,706 |
Credit loss provision to net charge-offs | -1,846.1538% | 5,148 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.3242% | 4,831 |
Assets per employee ($millions) | 5.4477% | 1,987 |
Cash dividends to net income (ytd only)* | 203.3425% | 96 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2376% | 2,550 |
Loan loss allowance to noncurrent loans | 253.3550% | 1,908 |
Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,536 |
Noncurrent loans to loans | 0.4885% | 3,054 |
Net loans and leases to total assets | 67.2376% | 2,928 |
Net loans and leases to deposits | 75.5532% | 3,373 |
Net loans and leases to core deposits | 77.3507% | 3,637 |
Total domestic deposits to total assets | 88.9938% | 1,007 |
Equity capital to assets | 10.6384% | 3,007 |
Core capital (leverage) ratio | 10.6451% | 2,701 |
Tier 1 risk-based capital ratio | 15.1828% | 2,758 |
Total risk-based capital ratio | 16.3873% | 2,712 |
Memoranda: | ||
Average total assets | $268,886,000 | 2,357 |
Average earning assets | $255,844,800 | 2,313 |
Average equity | $30,803,200 | 2,309 |
Average total loans | $187,354,800 | 2,260 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1677% | 2,723 |
Cost of funding earning assets | 0.0925% | 5,582 |
Net interest margin | 4.0752% | 1,468 |
Noninterest income to average assets | 0.4925% | 3,072 |
Noninterest expense to average assets | 2.4391% | 3,918 |
Loan and lease loss provision to assets | 0.0975% | 2,157 |
Net operating income to assets | 1.2761% | 1,414 |
Return on assets (ROA) | 1.2761% | 1,442 |
Pretax return on assets | 1.8321% | 816 |
Return on Equity (ROE) | 10.9356% | 1,729 |
Retained earnings to average equity (ytd only) | -15.9577% | 5,666 |
Net charge-offs to loans | -0.0086% | 4,590 |
Credit loss provision to net charge-offs | -1,625.0000% | 5,033 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.8315% | 4,766 |
Assets per employee ($millions) | 5.6379% | 1,794 |
Cash dividends to net income (ytd only)* | 245.9249% | 50 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2242% | 2,777 |
Loan loss allowance to noncurrent loans | 244.9306% | 1,888 |
Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,720 |
Noncurrent loans to loans | 0.4998% | 3,201 |
Net loans and leases to total assets | 65.6921% | 3,150 |
Net loans and leases to deposits | 73.7175% | 3,604 |
Net loans and leases to core deposits | 75.5167% | 3,838 |
Total domestic deposits to total assets | 89.1133% | 823 |
Equity capital to assets | 10.4156% | 3,458 |
Core capital (leverage) ratio | 10.6641% | 2,807 |
Tier 1 risk-based capital ratio | 15.1543% | 2,859 |
Total risk-based capital ratio | 16.3485% | 2,805 |
Memoranda: | ||
Average total assets | $266,649,000 | 2,386 |
Average earning assets | $253,624,500 | 2,345 |
Average equity | $31,114,750 | 2,298 |
Average total loans | $186,906,000 | 2,282 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1759% | 2,561 |
Cost of funding earning assets | 0.0942% | 5,619 |
Net interest margin | 4.0816% | 1,378 |
Noninterest income to average assets | 0.5001% | 3,028 |
Noninterest expense to average assets | 2.5003% | 3,751 |
Loan and lease loss provision to assets | 0.1147% | 1,794 |
Net operating income to assets | 1.2295% | 1,503 |
Return on assets (ROA) | 1.2295% | 1,538 |
Pretax return on assets | 1.7609% | 920 |
Return on Equity (ROE) | 10.1453% | 1,966 |
Retained earnings to average equity (ytd only) | -26.4737% | 5,737 |
Net charge-offs to loans | -0.0118% | 4,591 |
Credit loss provision to net charge-offs | -1,363.6364% | 4,882 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1379% | 4,689 |
Assets per employee ($millions) | 5.2467% | 2,114 |
Cash dividends to net income (ytd only)* | 360.9453% | 33 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1881% | 3,099 |
Loan loss allowance to noncurrent loans | 218.6770% | 2,073 |
Noncurrent assets plus other real estate owned to assets | 0.3842% | 3,569 |
Noncurrent loans to loans | 0.5433% | 3,117 |
Net loans and leases to total assets | 69.8696% | 2,548 |
Net loans and leases to deposits | 80.4081% | 2,865 |
Net loans and leases to core deposits | 82.8562% | 3,189 |
Total domestic deposits to total assets | 86.8938% | 1,991 |
Equity capital to assets | 10.7981% | 3,037 |
Core capital (leverage) ratio | 11.1227% | 2,295 |
Tier 1 risk-based capital ratio | 15.1083% | 2,882 |
Total risk-based capital ratio | 16.2938% | 2,846 |
Memoranda: | ||
Average total assets | $261,567,330 | 2,427 |
Average earning assets | $248,380,000 | 2,390 |
Average equity | $31,699,330 | 2,248 |
Average total loans | $186,715,670 | 2,287 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1799% | 2,338 |
Cost of funding earning assets | 0.0961% | 5,668 |
Net interest margin | 4.0838% | 1,256 |
Noninterest income to average assets | 0.5415% | 2,701 |
Noninterest expense to average assets | 2.3964% | 4,123 |
Loan and lease loss provision to assets | 0.1392% | 1,363 |
Net operating income to assets | 1.3072% | 1,217 |
Return on assets (ROA) | 1.3072% | 1,252 |
Pretax return on assets | 1.8843% | 665 |
Return on Equity (ROE) | 10.2109% | 1,866 |
Retained earnings to average equity (ytd only) | 5.1115% | 2,824 |
Net charge-offs to loans | -0.0173% | 4,662 |
Credit loss provision to net charge-offs | -1,125.0000% | 4,453 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.2177% | 5,104 |
Assets per employee ($millions) | 4.9690% | 2,485 |
Cash dividends to net income (ytd only)* | 49.9408% | 1,681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1809% | 3,252 |
Loan loss allowance to noncurrent loans | 226.7635% | 2,040 |
Noncurrent assets plus other real estate owned to assets | 0.3940% | 3,624 |
Noncurrent loans to loans | 0.5208% | 3,256 |
Net loans and leases to total assets | 70.7934% | 2,251 |
Net loans and leases to deposits | 81.6214% | 2,554 |
Net loans and leases to core deposits | 84.1914% | 2,882 |
Total domestic deposits to total assets | 86.7339% | 2,343 |
Equity capital to assets | 12.9058% | 1,297 |
Core capital (leverage) ratio | 13.0551% | 1,123 |
Tier 1 risk-based capital ratio | 17.8419% | 1,928 |
Total risk-based capital ratio | 19.0160% | 1,904 |
Memoranda: | ||
Average total assets | $258,559,000 | 2,473 |
Average earning assets | $245,557,000 | 2,433 |
Average equity | $33,102,000 | 2,191 |
Average total loans | $185,469,500 | 2,313 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0435% | 3,052 |
Cost of funding earning assets | 0.1150% | 5,633 |
Net interest margin | 3.9285% | 1,863 |
Noninterest income to average assets | 0.4563% | 3,502 |
Noninterest expense to average assets | 2.1990% | 4,774 |
Loan and lease loss provision to assets | 0.0184% | 4,007 |
Net operating income to assets | 1.3732% | 1,057 |
Return on assets (ROA) | 1.3788% | 1,097 |
Pretax return on assets | 2.0078% | 496 |
Return on Equity (ROE) | 10.3548% | 1,828 |
Retained earnings to average equity (ytd only) | -8.6512% | 5,769 |
Net charge-offs to loans | 0.0874% | 2,449 |
Credit loss provision to net charge-offs | 30.6748% | 3,585 |
Earnings coverage of net charge-offs (x) | 33.6196% | 1,333 |
Efficiency ratio | 52.1439% | 5,373 |
Assets per employee ($millions) | 5.0732% | 2,308 |
Cash dividends to net income (ytd only)* | 183.5470% | 101 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1236% | 3,587 |
Loan loss allowance to noncurrent loans | 213.2789% | 2,150 |
Noncurrent assets plus other real estate owned to assets | 1.4312% | 1,186 |
Noncurrent loans to loans | 0.5268% | 3,270 |
Net loans and leases to total assets | 71.0174% | 2,327 |
Net loans and leases to deposits | 81.6723% | 2,705 |
Net loans and leases to core deposits | 84.0307% | 3,022 |
Total domestic deposits to total assets | 86.9540% | 2,174 |
Equity capital to assets | 12.6993% | 1,399 |
Core capital (leverage) ratio | 12.7241% | 1,243 |
Tier 1 risk-based capital ratio | 17.3283% | 2,054 |
Total risk-based capital ratio | 18.4319% | 2,055 |
Memoranda: | ||
Average total assets | $271,538,600 | 2,350 |
Average earning assets | $259,947,000 | 2,283 |
Average equity | $36,157,000 | 2,018 |
Average total loans | $186,445,400 | 2,245 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0013% | 3,231 |
Cost of funding earning assets | 0.1204% | 5,673 |
Net interest margin | 3.8809% | 2,050 |
Noninterest income to average assets | 0.4465% | 3,586 |
Noninterest expense to average assets | 2.1741% | 4,834 |
Loan and lease loss provision to assets | 0.0097% | 4,042 |
Net operating income to assets | 1.3603% | 1,144 |
Return on assets (ROA) | 1.3676% | 1,200 |
Pretax return on assets | 1.9965% | 572 |
Return on Equity (ROE) | 10.1596% | 1,992 |
Retained earnings to average equity (ytd only) | 5.0798% | 2,771 |
Net charge-offs to loans | -0.0079% | 4,712 |
Credit loss provision to net charge-offs | -181.8182% | 4,848 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.1415% | 5,375 |
Assets per employee ($millions) | 5.4980% | 1,851 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,880 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1727% | 3,412 |
Loan loss allowance to noncurrent loans | 56.5096% | 4,592 |
Noncurrent assets plus other real estate owned to assets | 1.4593% | 1,244 |
Noncurrent loans to loans | 2.0753% | 930 |
Net loans and leases to total assets | 67.0512% | 2,946 |
Net loans and leases to deposits | 78.0138% | 3,184 |
Net loans and leases to core deposits | 80.2793% | 3,419 |
Total domestic deposits to total assets | 85.9479% | 2,389 |
Equity capital to assets | 13.4565% | 1,267 |
Core capital (leverage) ratio | 12.9735% | 1,198 |
Tier 1 risk-based capital ratio | 19.2438% | 1,612 |
Total risk-based capital ratio | 20.3947% | 1,596 |
Memoranda: | ||
Average total assets | $274,740,500 | 2,328 |
Average earning assets | $263,573,250 | 2,269 |
Average equity | $36,982,000 | 1,991 |
Average total loans | $186,598,750 | 2,247 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9835% | 3,299 |
Cost of funding earning assets | 0.1254% | 5,728 |
Net interest margin | 3.8581% | 2,114 |
Noninterest income to average assets | 0.4141% | 3,789 |
Noninterest expense to average assets | 2.2092% | 4,823 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.3025% | 1,265 |
Return on assets (ROA) | 1.3025% | 1,369 |
Pretax return on assets | 1.9036% | 691 |
Return on Equity (ROE) | 9.6755% | 2,189 |
Retained earnings to average equity (ytd only) | 4.8405% | 2,835 |
Net charge-offs to loans | -0.0076% | 4,622 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.7159% | 5,336 |
Assets per employee ($millions) | 5.6096% | 1,694 |
Cash dividends to net income (ytd only)* | 49.9719% | 1,970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1616% | 3,572 |
Loan loss allowance to noncurrent loans | 54.7755% | 4,698 |
Noncurrent assets plus other real estate owned to assets | 1.5477% | 1,217 |
Noncurrent loans to loans | 2.1207% | 913 |
Net loans and leases to total assets | 66.9810% | 2,945 |
Net loans and leases to deposits | 77.7264% | 3,182 |
Net loans and leases to core deposits | 80.4452% | 3,420 |
Total domestic deposits to total assets | 86.1754% | 2,340 |
Equity capital to assets | 13.3048% | 1,330 |
Core capital (leverage) ratio | 13.3904% | 1,019 |
Tier 1 risk-based capital ratio | 18.7969% | 1,738 |
Total risk-based capital ratio | 19.9252% | 1,725 |
Memoranda: | ||
Average total assets | $272,854,330 | 2,356 |
Average earning assets | $261,579,000 | 2,289 |
Average equity | $36,732,000 | 2,008 |
Average total loans | $185,384,330 | 2,260 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9864% | 3,267 |
Cost of funding earning assets | 0.1272% | 5,769 |
Net interest margin | 3.8592% | 2,074 |
Noninterest income to average assets | 0.3866% | 3,933 |
Noninterest expense to average assets | 2.2257% | 4,843 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.2727% | 1,326 |
Return on assets (ROA) | 1.2727% | 1,424 |
Pretax return on assets | 1.8599% | 757 |
Return on Equity (ROE) | 9.3964% | 2,243 |
Retained earnings to average equity (ytd only) | 4.6762% | 3,133 |
Net charge-offs to loans | -0.0066% | 4,376 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.4760% | 5,339 |
Assets per employee ($millions) | 5.0898% | 2,251 |
Cash dividends to net income (ytd only)* | 50.2336% | 1,741 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2004% | 3,478 |
Loan loss allowance to noncurrent loans | 157.9211% | 2,672 |
Noncurrent assets plus other real estate owned to assets | 0.5705% | 3,353 |
Noncurrent loans to loans | 0.7601% | 2,932 |
Net loans and leases to total assets | 67.2148% | 2,778 |
Net loans and leases to deposits | 78.2331% | 2,979 |
Net loans and leases to core deposits | 81.1755% | 3,219 |
Total domestic deposits to total assets | 85.9161% | 2,703 |
Equity capital to assets | 13.6020% | 1,139 |
Core capital (leverage) ratio | 13.7079% | 904 |
Tier 1 risk-based capital ratio | 19.0762% | 1,717 |
Total risk-based capital ratio | 20.2332% | 1,701 |
Memoranda: | ||
Average total assets | $269,042,500 | 2,390 |
Average earning assets | $257,880,000 | 2,326 |
Average equity | $36,439,500 | 2,017 |
Average total loans | $183,039,000 | 2,281 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1495% | 2,737 |
Cost of funding earning assets | 0.1453% | 5,714 |
Net interest margin | 4.0042% | 1,704 |
Noninterest income to average assets | 0.4750% | 3,499 |
Noninterest expense to average assets | 2.2997% | 4,787 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.3644% | 1,117 |
Return on assets (ROA) | 1.3644% | 1,162 |
Pretax return on assets | 2.0066% | 529 |
Return on Equity (ROE) | 10.0389% | 1,994 |
Retained earnings to average equity (ytd only) | 5.0251% | 2,396 |
Net charge-offs to loans | 0.0202% | 3,863 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 140.7838% | 441 |
Efficiency ratio | 51.7130% | 5,651 |
Assets per employee ($millions) | 5.0627% | 2,287 |
Cash dividends to net income (ytd only)* | 49.9435% | 2,302 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2057% | 3,447 |
Loan loss allowance to noncurrent loans | 154.0238% | 2,755 |
Noncurrent assets plus other real estate owned to assets | 0.5862% | 3,328 |
Noncurrent loans to loans | 0.7828% | 2,827 |
Net loans and leases to total assets | 67.2153% | 2,834 |
Net loans and leases to deposits | 78.2528% | 3,027 |
Net loans and leases to core deposits | 81.2566% | 3,221 |
Total domestic deposits to total assets | 85.8950% | 2,682 |
Equity capital to assets | 13.4860% | 1,133 |
Core capital (leverage) ratio | 13.3846% | 1,008 |
Tier 1 risk-based capital ratio | 19.1349% | 1,675 |
Total risk-based capital ratio | 20.3080% | 1,648 |
Memoranda: | ||
Average total assets | $259,595,200 | 2,427 |
Average earning assets | $248,391,200 | 2,350 |
Average equity | $35,282,600 | 2,023 |
Average total loans | $183,578,800 | 2,204 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1579% | 2,726 |
Cost of funding earning assets | 0.1500% | 5,778 |
Net interest margin | 4.0079% | 1,674 |
Noninterest income to average assets | 0.4921% | 3,423 |
Noninterest expense to average assets | 2.3469% | 4,662 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.3446% | 1,238 |
Return on assets (ROA) | 1.3446% | 1,280 |
Pretax return on assets | 1.9781% | 623 |
Return on Equity (ROE) | 9.8733% | 2,151 |
Retained earnings to average equity (ytd only) | 4.9442% | 2,950 |
Net charge-offs to loans | -0.0138% | 5,083 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.0000% | 5,656 |
Assets per employee ($millions) | 5.2513% | 1,999 |
Cash dividends to net income (ytd only)* | 49.9230% | 1,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2283% | 3,498 |
Loan loss allowance to noncurrent loans | 133.9466% | 3,034 |
Noncurrent assets plus other real estate owned to assets | 0.6829% | 3,204 |
Noncurrent loans to loans | 0.9170% | 2,686 |
Net loans and leases to total assets | 67.7668% | 2,714 |
Net loans and leases to deposits | 78.6985% | 3,018 |
Net loans and leases to core deposits | 81.8864% | 3,263 |
Total domestic deposits to total assets | 86.1094% | 2,474 |
Equity capital to assets | 13.3417% | 1,296 |
Core capital (leverage) ratio | 13.2021% | 1,135 |
Tier 1 risk-based capital ratio | 18.7246% | 1,845 |
Total risk-based capital ratio | 19.9170% | 1,823 |
Memoranda: | ||
Average total assets | $257,413,250 | 2,459 |
Average earning assets | $246,173,500 | 2,395 |
Average equity | $35,056,750 | 2,051 |
Average total loans | $183,834,750 | 2,219 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1872% | 2,591 |
Cost of funding earning assets | 0.1525% | 5,825 |
Net interest margin | 4.0347% | 1,538 |
Noninterest income to average assets | 0.5096% | 3,313 |
Noninterest expense to average assets | 2.4131% | 4,502 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.3208% | 1,261 |
Return on assets (ROA) | 1.3208% | 1,309 |
Pretax return on assets | 1.9508% | 656 |
Return on Equity (ROE) | 9.6291% | 2,238 |
Retained earnings to average equity (ytd only) | 4.8289% | 2,971 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.8859% | 5,724 |
Assets per employee ($millions) | 5.1923% | 2,043 |
Cash dividends to net income (ytd only)* | 49.8509% | 1,948 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2208% | 3,672 |
Loan loss allowance to noncurrent loans | 145.6083% | 2,861 |
Noncurrent assets plus other real estate owned to assets | 0.6475% | 3,478 |
Noncurrent loans to loans | 0.8384% | 3,030 |
Net loans and leases to total assets | 69.7520% | 2,357 |
Net loans and leases to deposits | 81.2267% | 2,639 |
Net loans and leases to core deposits | 84.9690% | 2,886 |
Total domestic deposits to total assets | 85.8733% | 2,759 |
Equity capital to assets | 13.5798% | 1,136 |
Core capital (leverage) ratio | 13.7340% | 921 |
Tier 1 risk-based capital ratio | 18.6990% | 1,872 |
Total risk-based capital ratio | 19.8952% | 1,848 |
Memoranda: | ||
Average total assets | $253,946,330 | 2,512 |
Average earning assets | $242,598,000 | 2,437 |
Average equity | $34,832,000 | 2,068 |
Average total loans | $183,864,330 | 2,235 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2036% | 2,447 |
Cost of funding earning assets | 0.1554% | 5,886 |
Net interest margin | 4.0481% | 1,415 |
Noninterest income to average assets | 0.4412% | 3,685 |
Noninterest expense to average assets | 2.5614% | 4,059 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.1819% | 1,599 |
Return on assets (ROA) | 1.1819% | 1,697 |
Pretax return on assets | 1.7379% | 970 |
Return on Equity (ROE) | 8.5730% | 2,656 |
Retained earnings to average equity (ytd only) | 4.2749% | 3,448 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.5750% | 5,780 |
Assets per employee ($millions) | 5.2093% | 2,099 |
Cash dividends to net income (ytd only)* | 50.1348% | 1,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2184% | 3,852 |
Loan loss allowance to noncurrent loans | 104.5306% | 3,585 |
Noncurrent assets plus other real estate owned to assets | 0.8952% | 2,846 |
Noncurrent loans to loans | 1.1656% | 2,442 |
Net loans and leases to total assets | 71.0834% | 1,971 |
Net loans and leases to deposits | 82.7952% | 2,234 |
Net loans and leases to core deposits | 86.9951% | 2,433 |
Total domestic deposits to total assets | 85.8545% | 3,012 |
Equity capital to assets | 13.6413% | 1,112 |
Core capital (leverage) ratio | 13.9538% | 837 |
Tier 1 risk-based capital ratio | 18.0683% | 2,118 |
Total risk-based capital ratio | 19.2399% | 2,094 |
Memoranda: | ||
Average total assets | $251,112,500 | 2,550 |
Average earning assets | $239,321,500 | 2,476 |
Average equity | $34,620,500 | 2,092 |
Average total loans | $184,134,500 | 2,239 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4053% | 2,203 |
Cost of funding earning assets | 0.1905% | 5,830 |
Net interest margin | 4.2148% | 1,257 |
Noninterest income to average assets | 0.4687% | 3,720 |
Noninterest expense to average assets | 2.6297% | 4,118 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.2265% | 1,508 |
Return on assets (ROA) | 1.2265% | 1,562 |
Pretax return on assets | 1.8228% | 755 |
Return on Equity (ROE) | 8.8181% | 2,675 |
Retained earnings to average equity (ytd only) | 4.3942% | 3,054 |
Net charge-offs to loans | 0.2083% | 2,003 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 11.5248% | 2,479 |
Efficiency ratio | 53.6079% | 5,875 |
Assets per employee ($millions) | 4.9394% | 2,399 |
Cash dividends to net income (ytd only)* | 50.1684% | 2,267 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2124% | 3,922 |
Loan loss allowance to noncurrent loans | 103.3718% | 3,626 |
Noncurrent assets plus other real estate owned to assets | 0.9349% | 2,879 |
Noncurrent loans to loans | 1.1729% | 2,490 |
Net loans and leases to total assets | 73.8345% | 1,614 |
Net loans and leases to deposits | 86.1669% | 1,957 |
Net loans and leases to core deposits | 90.0200% | 2,280 |
Total domestic deposits to total assets | 85.6877% | 2,990 |
Equity capital to assets | 13.9373% | 975 |
Core capital (leverage) ratio | 13.6781% | 908 |
Tier 1 risk-based capital ratio | 18.6925% | 1,935 |
Total risk-based capital ratio | 19.9219% | 1,903 |
Memoranda: | ||
Average total assets | $242,161,200 | 2,597 |
Average earning assets | $228,883,400 | 2,531 |
Average equity | $33,680,600 | 2,069 |
Average total loans | $183,851,000 | 2,186 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4025% | 2,211 |
Cost of funding earning assets | 0.1988% | 5,841 |
Net interest margin | 4.2037% | 1,281 |
Noninterest income to average assets | 0.4604% | 3,815 |
Noninterest expense to average assets | 2.6267% | 4,106 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.2112% | 1,640 |
Return on assets (ROA) | 1.2112% | 1,707 |
Pretax return on assets | 1.8000% | 896 |
Return on Equity (ROE) | 8.7134% | 2,830 |
Retained earnings to average equity (ytd only) | 4.3428% | 3,566 |
Net charge-offs to loans | 0.2606% | 1,497 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 9.0614% | 2,718 |
Efficiency ratio | 53.7625% | 5,843 |
Assets per employee ($millions) | 5.2270% | 1,987 |
Cash dividends to net income (ytd only)* | 50.1598% | 1,833 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2265% | 4,098 |
Loan loss allowance to noncurrent loans | 48.2714% | 5,205 |
Noncurrent assets plus other real estate owned to assets | 1.9646% | 1,468 |
Noncurrent loans to loans | 2.5409% | 1,146 |
Net loans and leases to total assets | 72.6039% | 1,742 |
Net loans and leases to deposits | 84.5197% | 2,085 |
Net loans and leases to core deposits | 88.7244% | 2,346 |
Total domestic deposits to total assets | 85.9018% | 2,898 |
Equity capital to assets | 13.5749% | 1,149 |
Core capital (leverage) ratio | 13.5385% | 983 |
Tier 1 risk-based capital ratio | 18.2162% | 2,145 |
Total risk-based capital ratio | 19.4442% | 2,109 |
Memoranda: | ||
Average total assets | $240,959,000 | 2,623 |
Average earning assets | $227,351,000 | 2,563 |
Average equity | $33,495,500 | 2,083 |
Average total loans | $183,667,000 | 2,195 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4411% | 2,030 |
Cost of funding earning assets | 0.2108% | 5,820 |
Net interest margin | 4.2303% | 1,181 |
Noninterest income to average assets | 0.4317% | 4,010 |
Noninterest expense to average assets | 2.6367% | 4,106 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.1976% | 1,596 |
Return on assets (ROA) | 1.1976% | 1,666 |
Pretax return on assets | 1.7800% | 878 |
Return on Equity (ROE) | 8.5446% | 2,816 |
Retained earnings to average equity (ytd only) | 4.2573% | 3,464 |
Net charge-offs to loans | 0.0654% | 3,059 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 35.2500% | 1,146 |
Efficiency ratio | 53.9063% | 5,917 |
Assets per employee ($millions) | 4.9028% | 2,337 |
Cash dividends to net income (ytd only)* | 50.1757% | 1,924 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3890% | 3,409 |
Loan loss allowance to noncurrent loans | 53.2211% | 5,047 |
Noncurrent assets plus other real estate owned to assets | 2.2378% | 1,346 |
Noncurrent loans to loans | 2.6099% | 1,169 |
Net loans and leases to total assets | 75.6803% | 1,212 |
Net loans and leases to deposits | 88.6036% | 1,521 |
Net loans and leases to core deposits | 93.1724% | 1,847 |
Total domestic deposits to total assets | 85.4144% | 3,320 |
Equity capital to assets | 14.0203% | 961 |
Core capital (leverage) ratio | 13.9603% | 843 |
Tier 1 risk-based capital ratio | 18.0037% | 2,242 |
Total risk-based capital ratio | 19.2557% | 2,212 |
Memoranda: | ||
Average total assets | $237,646,330 | 2,654 |
Average earning assets | $223,863,330 | 2,604 |
Average equity | $33,307,670 | 2,079 |
Average total loans | $183,415,000 | 2,190 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4163% | 2,078 |
Cost of funding earning assets | 0.2196% | 5,854 |
Net interest margin | 4.1967% | 1,232 |
Noninterest income to average assets | 0.3605% | 4,505 |
Noninterest expense to average assets | 2.6046% | 4,254 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.1271% | 1,712 |
Return on assets (ROA) | 1.1271% | 1,776 |
Pretax return on assets | 1.7026% | 970 |
Return on Equity (ROE) | 8.0434% | 2,905 |
Retained earnings to average equity (ytd only) | 3.9975% | 3,715 |
Net charge-offs to loans | 0.1378% | 1,890 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 15.9683% | 1,526 |
Efficiency ratio | 54.2633% | 5,991 |
Assets per employee ($millions) | 4.9913% | 2,261 |
Cash dividends to net income (ytd only)* | 50.3003% | 1,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3817% | 3,690 |
Loan loss allowance to noncurrent loans | 72.5674% | 4,415 |
Noncurrent assets plus other real estate owned to assets | 1.8636% | 1,858 |
Noncurrent loans to loans | 1.9041% | 1,989 |
Net loans and leases to total assets | 76.2038% | 981 |
Net loans and leases to deposits | 88.8679% | 1,267 |
Net loans and leases to core deposits | 93.8047% | 1,566 |
Total domestic deposits to total assets | 85.7495% | 3,497 |
Equity capital to assets | 13.8978% | 956 |
Core capital (leverage) ratio | 13.9816% | 826 |
Tier 1 risk-based capital ratio | 17.6542% | 2,432 |
Total risk-based capital ratio | 18.9060% | 2,395 |
Memoranda: | ||
Average total assets | $236,351,000 | 2,674 |
Average earning assets | $222,269,500 | 2,633 |
Average equity | $33,120,500 | 2,079 |
Average total loans | $182,936,000 | 2,200 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5939% | 1,896 |
Cost of funding earning assets | 0.2831% | 5,740 |
Net interest margin | 4.3109% | 1,081 |
Noninterest income to average assets | 0.5416% | 3,461 |
Noninterest expense to average assets | 2.6080% | 4,436 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.2735% | 1,321 |
Return on assets (ROA) | 1.2735% | 1,379 |
Pretax return on assets | 1.9826% | 502 |
Return on Equity (ROE) | 9.1968% | 2,451 |
Retained earnings to average equity (ytd only) | 4.6186% | 2,873 |
Net charge-offs to loans | 0.2103% | 2,783 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 12.2766% | 2,140 |
Efficiency ratio | 50.7204% | 6,369 |
Assets per employee ($millions) | 4.7575% | 2,506 |
Cash dividends to net income (ytd only)* | 49.7808% | 2,288 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4612% | 3,373 |
Loan loss allowance to noncurrent loans | 75.2636% | 4,326 |
Noncurrent assets plus other real estate owned to assets | 1.8772% | 1,943 |
Noncurrent loans to loans | 1.9414% | 2,058 |
Net loans and leases to total assets | 76.3995% | 1,019 |
Net loans and leases to deposits | 89.3359% | 1,309 |
Net loans and leases to core deposits | 94.0989% | 1,597 |
Total domestic deposits to total assets | 85.5194% | 3,498 |
Equity capital to assets | 14.1319% | 865 |
Core capital (leverage) ratio | 13.5888% | 930 |
Tier 1 risk-based capital ratio | 17.4810% | 2,427 |
Total risk-based capital ratio | 18.7333% | 2,399 |
Memoranda: | ||
Average total assets | $232,825,600 | 2,692 |
Average earning assets | $218,680,200 | 2,633 |
Average equity | $32,239,400 | 2,118 |
Average total loans | $178,803,800 | 2,206 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6613% | 1,717 |
Cost of funding earning assets | 0.2933% | 5,784 |
Net interest margin | 4.3680% | 950 |
Noninterest income to average assets | 0.5333% | 3,571 |
Noninterest expense to average assets | 2.6024% | 4,382 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.2952% | 1,367 |
Return on assets (ROA) | 1.2952% | 1,432 |
Pretax return on assets | 2.0342% | 539 |
Return on Equity (ROE) | 9.4020% | 2,442 |
Retained earnings to average equity (ytd only) | 4.7114% | 3,297 |
Net charge-offs to loans | 0.0957% | 3,605 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 27.7426% | 1,300 |
Efficiency ratio | 50.0371% | 6,398 |
Assets per employee ($millions) | 4.8733% | 2,339 |
Cash dividends to net income (ytd only)* | 49.8894% | 1,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6663% | 2,744 |
Loan loss allowance to noncurrent loans | 73.3621% | 4,288 |
Noncurrent assets plus other real estate owned to assets | 1.9661% | 2,062 |
Noncurrent loans to loans | 2.2714% | 1,931 |
Net loans and leases to total assets | 71.3956% | 1,706 |
Net loans and leases to deposits | 83.0125% | 1,996 |
Net loans and leases to core deposits | 87.7912% | 2,216 |
Total domestic deposits to total assets | 86.0058% | 3,249 |
Equity capital to assets | 13.6474% | 1,065 |
Core capital (leverage) ratio | 13.3550% | 1,078 |
Tier 1 risk-based capital ratio | 17.5985% | 2,480 |
Total risk-based capital ratio | 18.8525% | 2,445 |
Memoranda: | ||
Average total assets | $232,752,500 | 2,706 |
Average earning assets | $218,645,000 | 2,647 |
Average equity | $32,063,250 | 2,145 |
Average total loans | $178,319,250 | 2,216 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8230% | 1,282 |
Cost of funding earning assets | 0.2982% | 5,843 |
Net interest margin | 4.5248% | 680 |
Noninterest income to average assets | 0.5625% | 3,426 |
Noninterest expense to average assets | 2.6125% | 4,335 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.4501% | 984 |
Return on assets (ROA) | 1.4501% | 1,061 |
Pretax return on assets | 2.1982% | 417 |
Return on Equity (ROE) | 10.4930% | 2,015 |
Retained earnings to average equity (ytd only) | 5.2622% | 2,881 |
Net charge-offs to loans | 0.1178% | 3,188 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 23.9245% | 1,315 |
Efficiency ratio | 48.2523% | 6,522 |
Assets per employee ($millions) | 4.7163% | 2,488 |
Cash dividends to net income (ytd only)* | 49.8506% | 1,886 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6250% | 3,073 |
Loan loss allowance to noncurrent loans | 71.9121% | 4,328 |
Noncurrent assets plus other real estate owned to assets | 2.0983% | 2,057 |
Noncurrent loans to loans | 2.2597% | 2,104 |
Net loans and leases to total assets | 76.2576% | 957 |
Net loans and leases to deposits | 89.6844% | 1,179 |
Net loans and leases to core deposits | 94.8508% | 1,450 |
Total domestic deposits to total assets | 85.0288% | 3,875 |
Equity capital to assets | 13.9764% | 978 |
Core capital (leverage) ratio | 13.8763% | 855 |
Tier 1 risk-based capital ratio | 17.2618% | 2,611 |
Total risk-based capital ratio | 18.5160% | 2,578 |
Memoranda: | ||
Average total assets | $230,739,330 | 2,733 |
Average earning assets | $216,629,670 | 2,678 |
Average equity | $31,888,000 | 2,158 |
Average total loans | $179,967,000 | 2,197 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6881% | 1,569 |
Cost of funding earning assets | 0.3072% | 5,915 |
Net interest margin | 4.3808% | 831 |
Noninterest income to average assets | 0.5309% | 3,563 |
Noninterest expense to average assets | 2.5590% | 4,534 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.3740% | 1,093 |
Return on assets (ROA) | 1.3740% | 1,182 |
Pretax return on assets | 2.0784% | 514 |
Return on Equity (ROE) | 9.9992% | 2,061 |
Retained earnings to average equity (ytd only) | 4.9996% | 3,231 |
Net charge-offs to loans | 0.0577% | 3,248 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 46.0769% | 712 |
Efficiency ratio | 48.7093% | 6,579 |
Assets per employee ($millions) | 4.5160% | 2,937 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,574 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6656% | 3,150 |
Loan loss allowance to noncurrent loans | 56.2429% | 4,883 |
Noncurrent assets plus other real estate owned to assets | 2.6501% | 1,715 |
Noncurrent loans to loans | 2.9615% | 1,697 |
Net loans and leases to total assets | 78.2013% | 591 |
Net loans and leases to deposits | 91.8769% | 811 |
Net loans and leases to core deposits | 97.9949% | 1,080 |
Total domestic deposits to total assets | 85.1153% | 3,981 |
Equity capital to assets | 14.1194% | 993 |
Core capital (leverage) ratio | 13.5301% | 934 |
Tier 1 risk-based capital ratio | 16.9444% | 2,775 |
Total risk-based capital ratio | 18.1993% | 2,749 |
Memoranda: | ||
Average total assets | $230,560,500 | 2,770 |
Average earning assets | $216,123,000 | 2,706 |
Average equity | $31,682,500 | 2,202 |
Average total loans | $180,380,500 | 2,209 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9319% | 1,741 |
Cost of funding earning assets | 0.3983% | 5,933 |
Net interest margin | 4.5336% | 884 |
Noninterest income to average assets | 0.7875% | 2,316 |
Noninterest expense to average assets | 2.6450% | 4,582 |
Loan and lease loss provision to assets | 0.5175% | 1,130 |
Net operating income to assets | 1.3301% | 1,232 |
Return on assets (ROA) | 1.3301% | 1,363 |
Pretax return on assets | 1.8316% | 866 |
Return on Equity (ROE) | 10.1684% | 2,100 |
Retained earnings to average equity (ytd only) | 6.1228% | 2,003 |
Net charge-offs to loans | 0.5918% | 1,957 |
Credit loss provision to net charge-offs | 112.3596% | 2,595 |
Earnings coverage of net charge-offs (x) | 5.1002% | 3,150 |
Efficiency ratio | 46.7962% | 6,760 |
Assets per employee ($millions) | 4.7064% | 2,638 |
Cash dividends to net income (ytd only)* | 39.7860% | 2,867 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6651% | 3,067 |
Loan loss allowance to noncurrent loans | 57.7637% | 4,763 |
Noncurrent assets plus other real estate owned to assets | 2.5404% | 1,915 |
Noncurrent loans to loans | 2.8826% | 1,814 |
Net loans and leases to total assets | 75.7155% | 959 |
Net loans and leases to deposits | 87.9511% | 1,282 |
Net loans and leases to core deposits | 93.3532% | 1,516 |
Total domestic deposits to total assets | 86.0882% | 3,309 |
Equity capital to assets | 13.3789% | 1,277 |
Core capital (leverage) ratio | 13.0206% | 1,112 |
Tier 1 risk-based capital ratio | 16.2775% | 3,006 |
Total risk-based capital ratio | 17.5319% | 2,964 |
Memoranda: | ||
Average total assets | $231,869,800 | 2,702 |
Average earning assets | $215,150,600 | 2,676 |
Average equity | $30,329,400 | 2,229 |
Average total loans | $180,468,600 | 2,197 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0026% | 1,689 |
Cost of funding earning assets | 0.4225% | 5,972 |
Net interest margin | 4.5801% | 849 |
Noninterest income to average assets | 0.5310% | 3,739 |
Noninterest expense to average assets | 2.7583% | 4,144 |
Loan and lease loss provision to assets | 0.5195% | 1,158 |
Net operating income to assets | 0.9910% | 2,555 |
Return on assets (ROA) | 0.9910% | 2,784 |
Pretax return on assets | 1.4954% | 1,898 |
Return on Equity (ROE) | 7.6205% | 3,459 |
Retained earnings to average equity (ytd only) | 3.7903% | 4,224 |
Net charge-offs to loans | 0.6841% | 1,614 |
Credit loss provision to net charge-offs | 97.2973% | 3,075 |
Earnings coverage of net charge-offs (x) | 3.7741% | 3,519 |
Efficiency ratio | 51.2455% | 6,508 |
Assets per employee ($millions) | 4.6355% | 2,690 |
Cash dividends to net income (ytd only)* | 50.2621% | 1,681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6065% | 3,491 |
Loan loss allowance to noncurrent loans | 70.9677% | 4,178 |
Noncurrent assets plus other real estate owned to assets | 2.3903% | 2,230 |
Noncurrent loans to loans | 2.2637% | 2,541 |
Net loans and leases to total assets | 74.0935% | 1,235 |
Net loans and leases to deposits | 85.6398% | 1,645 |
Net loans and leases to core deposits | 91.1122% | 1,861 |
Total domestic deposits to total assets | 86.5176% | 2,972 |
Equity capital to assets | 12.8940% | 1,646 |
Core capital (leverage) ratio | 12.6013% | 1,363 |
Tier 1 risk-based capital ratio | 15.8774% | 3,335 |
Total risk-based capital ratio | 17.1311% | 3,303 |
Memoranda: | ||
Average total assets | $231,007,500 | 2,742 |
Average earning assets | $213,963,000 | 2,708 |
Average equity | $30,041,000 | 2,265 |
Average total loans | $180,288,250 | 2,222 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0825% | 1,557 |
Cost of funding earning assets | 0.4541% | 5,942 |
Net interest margin | 4.6283% | 787 |
Noninterest income to average assets | 0.5410% | 3,649 |
Noninterest expense to average assets | 2.8455% | 3,848 |
Loan and lease loss provision to assets | 0.5235% | 1,197 |
Net operating income to assets | 0.9607% | 2,614 |
Return on assets (ROA) | 0.9607% | 2,863 |
Pretax return on assets | 1.4494% | 2,013 |
Return on Equity (ROE) | 7.3661% | 3,583 |
Retained earnings to average equity (ytd only) | 3.6596% | 4,162 |
Net charge-offs to loans | 0.7170% | 1,545 |
Credit loss provision to net charge-offs | 92.4499% | 2,967 |
Earnings coverage of net charge-offs (x) | 3.4838% | 3,356 |
Efficiency ratio | 52.4085% | 6,469 |
Assets per employee ($millions) | 4.3223% | 3,218 |
Cash dividends to net income (ytd only)* | 50.3179% | 1,722 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5619% | 3,735 |
Loan loss allowance to noncurrent loans | 57.3857% | 4,773 |
Noncurrent assets plus other real estate owned to assets | 3.0164% | 1,826 |
Noncurrent loans to loans | 2.7217% | 2,208 |
Net loans and leases to total assets | 78.0254% | 718 |
Net loans and leases to deposits | 90.4922% | 1,098 |
Net loans and leases to core deposits | 96.6785% | 1,383 |
Total domestic deposits to total assets | 86.2233% | 3,237 |
Equity capital to assets | 13.1725% | 1,440 |
Core capital (leverage) ratio | 12.6976% | 1,265 |
Tier 1 risk-based capital ratio | 15.5366% | 3,416 |
Total risk-based capital ratio | 16.7898% | 3,377 |
Memoranda: | ||
Average total assets | $229,206,000 | 2,770 |
Average earning assets | $211,826,330 | 2,737 |
Average equity | $29,893,670 | 2,259 |
Average total loans | $181,042,330 | 2,215 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1133% | 1,539 |
Cost of funding earning assets | 0.4879% | 5,880 |
Net interest margin | 4.6254% | 784 |
Noninterest income to average assets | 0.4850% | 4,021 |
Noninterest expense to average assets | 2.9398% | 3,475 |
Loan and lease loss provision to assets | 0.5234% | 1,150 |
Net operating income to assets | 0.8584% | 3,118 |
Return on assets (ROA) | 0.8584% | 3,349 |
Pretax return on assets | 1.2893% | 2,578 |
Return on Equity (ROE) | 6.6146% | 3,980 |
Retained earnings to average equity (ytd only) | 3.3207% | 4,572 |
Net charge-offs to loans | 0.8076% | 1,273 |
Credit loss provision to net charge-offs | 82.1918% | 2,692 |
Earnings coverage of net charge-offs (x) | 2.8466% | 3,044 |
Efficiency ratio | 54.9192% | 6,239 |
Assets per employee ($millions) | 4.4512% | 3,082 |
Cash dividends to net income (ytd only)* | 49.7967% | 1,476 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5700% | 3,849 |
Loan loss allowance to noncurrent loans | 52.5237% | 4,922 |
Noncurrent assets plus other real estate owned to assets | 3.1183% | 1,858 |
Noncurrent loans to loans | 2.9892% | 2,159 |
Net loans and leases to total assets | 77.8796% | 605 |
Net loans and leases to deposits | 90.4957% | 920 |
Net loans and leases to core deposits | 97.2213% | 1,184 |
Total domestic deposits to total assets | 86.0589% | 3,494 |
Equity capital to assets | 13.1605% | 1,372 |
Core capital (leverage) ratio | 12.4754% | 1,351 |
Tier 1 risk-based capital ratio | 15.1903% | 3,627 |
Total risk-based capital ratio | 16.4435% | 3,586 |
Memoranda: | ||
Average total assets | $229,267,500 | 2,772 |
Average earning assets | $211,525,500 | 2,751 |
Average equity | $29,752,500 | 2,278 |
Average total loans | $180,774,000 | 2,229 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2970% | 1,708 |
Cost of funding earning assets | 0.6035% | 6,076 |
Net interest margin | 4.6935% | 765 |
Noninterest income to average assets | 0.3588% | 4,944 |
Noninterest expense to average assets | 3.0451% | 3,418 |
Loan and lease loss provision to assets | 0.5047% | 2,083 |
Net operating income to assets | 0.7474% | 3,270 |
Return on assets (ROA) | 0.7474% | 3,440 |
Pretax return on assets | 1.1205% | 2,763 |
Return on Equity (ROE) | 6.0781% | 3,838 |
Retained earnings to average equity (ytd only) | 3.1228% | 4,007 |
Net charge-offs to loans | 0.4599% | 3,144 |
Credit loss provision to net charge-offs | 137.7727% | 2,153 |
Earnings coverage of net charge-offs (x) | 4.4363% | 3,113 |
Efficiency ratio | 58.2043% | 6,023 |
Assets per employee ($millions) | 4.5397% | 2,847 |
Cash dividends to net income (ytd only)* | 48.6213% | 2,127 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5858% | 3,641 |
Loan loss allowance to noncurrent loans | 43.2663% | 5,417 |
Noncurrent assets plus other real estate owned to assets | 3.9257% | 1,463 |
Noncurrent loans to loans | 3.6651% | 1,723 |
Net loans and leases to total assets | 77.3344% | 791 |
Net loans and leases to deposits | 89.4175% | 1,212 |
Net loans and leases to core deposits | 99.7004% | 1,205 |
Total domestic deposits to total assets | 86.4869% | 3,037 |
Equity capital to assets | 12.7974% | 1,601 |
Core capital (leverage) ratio | 12.0788% | 1,552 |
Tier 1 risk-based capital ratio | 14.8083% | 3,752 |
Total risk-based capital ratio | 16.0617% | 3,732 |
Memoranda: | ||
Average total assets | $237,759,200 | 2,656 |
Average earning assets | $218,407,600 | 2,629 |
Average equity | $29,236,200 | 2,252 |
Average total loans | $189,404,800 | 2,137 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3494% | 1,676 |
Cost of funding earning assets | 0.6250% | 6,154 |
Net interest margin | 4.7245% | 721 |
Noninterest income to average assets | 0.4412% | 4,356 |
Noninterest expense to average assets | 3.0542% | 3,335 |
Loan and lease loss provision to assets | 0.5014% | 1,973 |
Net operating income to assets | 0.8117% | 3,099 |
Return on assets (ROA) | 0.8117% | 3,266 |
Pretax return on assets | 1.2195% | 2,563 |
Return on Equity (ROE) | 6.6670% | 3,680 |
Retained earnings to average equity (ytd only) | 4.1640% | 3,765 |
Net charge-offs to loans | 0.3694% | 3,244 |
Credit loss provision to net charge-offs | 169.8113% | 1,782 |
Earnings coverage of net charge-offs (x) | 5.8283% | 2,687 |
Efficiency ratio | 57.0995% | 6,128 |
Assets per employee ($millions) | 4.6193% | 2,727 |
Cash dividends to net income (ytd only)* | 37.5431% | 2,134 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5965% | 3,687 |
Loan loss allowance to noncurrent loans | 44.1927% | 5,376 |
Noncurrent assets plus other real estate owned to assets | 3.7193% | 1,679 |
Noncurrent loans to loans | 3.6126% | 1,902 |
Net loans and leases to total assets | 75.0814% | 1,128 |
Net loans and leases to deposits | 86.1958% | 1,666 |
Net loans and leases to core deposits | 95.6500% | 1,641 |
Total domestic deposits to total assets | 87.1057% | 2,589 |
Equity capital to assets | 12.3332% | 2,010 |
Core capital (leverage) ratio | 11.6200% | 1,943 |
Tier 1 risk-based capital ratio | 14.2378% | 4,171 |
Total risk-based capital ratio | 15.4909% | 4,132 |
Memoranda: | ||
Average total assets | $239,318,250 | 2,655 |
Average earning assets | $219,531,250 | 2,633 |
Average equity | $29,138,000 | 2,263 |
Average total loans | $191,273,000 | 2,141 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4675% | 1,371 |
Cost of funding earning assets | 0.6322% | 6,309 |
Net interest margin | 4.8353% | 574 |
Noninterest income to average assets | 0.4493% | 4,291 |
Noninterest expense to average assets | 3.0173% | 3,571 |
Loan and lease loss provision to assets | 0.5020% | 1,951 |
Net operating income to assets | 0.9187% | 2,561 |
Return on assets (ROA) | 0.9187% | 2,659 |
Pretax return on assets | 1.3840% | 1,847 |
Return on Equity (ROE) | 7.5788% | 3,153 |
Retained earnings to average equity (ytd only) | 3.8032% | 3,793 |
Net charge-offs to loans | 0.4795% | 2,662 |
Credit loss provision to net charge-offs | 129.0323% | 2,364 |
Earnings coverage of net charge-offs (x) | 4.8473% | 2,758 |
Efficiency ratio | 54.7270% | 6,541 |
Assets per employee ($millions) | 4.7769% | 2,438 |
Cash dividends to net income (ytd only)* | 49.8179% | 1,701 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4023% | 4,557 |
Loan loss allowance to noncurrent loans | 44.3109% | 5,363 |
Noncurrent assets plus other real estate owned to assets | 3.7351% | 1,740 |
Noncurrent loans to loans | 3.1647% | 2,268 |
Net loans and leases to total assets | 79.2166% | 618 |
Net loans and leases to deposits | 91.0217% | 1,153 |
Net loans and leases to core deposits | 104.2699% | 1,027 |
Total domestic deposits to total assets | 87.0305% | 2,723 |
Equity capital to assets | 12.2531% | 1,932 |
Core capital (leverage) ratio | 11.7562% | 1,743 |
Tier 1 risk-based capital ratio | 13.6539% | 4,413 |
Total risk-based capital ratio | 14.9046% | 4,394 |
Memoranda: | ||
Average total assets | $239,022,330 | 2,667 |
Average earning assets | $220,174,670 | 2,645 |
Average equity | $28,975,670 | 2,243 |
Average total loans | $193,938,670 | 2,140 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2842% | 1,919 |
Cost of funding earning assets | 0.6410% | 6,424 |
Net interest margin | 4.6432% | 794 |
Noninterest income to average assets | 0.5236% | 3,699 |
Noninterest expense to average assets | 3.1433% | 3,097 |
Loan and lease loss provision to assets | 0.5019% | 1,737 |
Net operating income to assets | 0.7712% | 3,163 |
Return on assets (ROA) | 0.7712% | 3,235 |
Pretax return on assets | 1.1559% | 2,533 |
Return on Equity (ROE) | 6.3960% | 3,675 |
Retained earnings to average equity (ytd only) | 3.2049% | 4,251 |
Net charge-offs to loans | 0.2954% | 2,871 |
Credit loss provision to net charge-offs | 208.3333% | 1,429 |
Earnings coverage of net charge-offs (x) | 6.8819% | 2,034 |
Efficiency ratio | 58.3275% | 6,229 |
Assets per employee ($millions) | 4.5896% | 2,750 |
Cash dividends to net income (ytd only)* | 49.8915% | 1,480 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3859% | 4,737 |
Loan loss allowance to noncurrent loans | 33.4690% | 6,069 |
Noncurrent assets plus other real estate owned to assets | 4.7067% | 1,356 |
Noncurrent loans to loans | 4.1409% | 1,736 |
Net loans and leases to total assets | 80.8857% | 442 |
Net loans and leases to deposits | 92.6478% | 965 |
Net loans and leases to core deposits | 105.3844% | 972 |
Total domestic deposits to total assets | 87.3045% | 2,760 |
Equity capital to assets | 12.1286% | 1,842 |
Core capital (leverage) ratio | 11.5078% | 1,842 |
Tier 1 risk-based capital ratio | 13.1779% | 4,683 |
Total risk-based capital ratio | 14.4287% | 4,659 |
Memoranda: | ||
Average total assets | $239,111,000 | 2,676 |
Average earning assets | $220,279,500 | 2,661 |
Average equity | $28,830,500 | 2,245 |
Average total loans | $194,960,000 | 2,152 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0917% | 711 |
Cost of funding earning assets | 0.7682% | 6,684 |
Net interest margin | 5.3235% | 230 |
Noninterest income to average assets | 0.5824% | 3,576 |
Noninterest expense to average assets | 2.8845% | 4,299 |
Loan and lease loss provision to assets | 0.4217% | 3,582 |
Net operating income to assets | 1.3714% | 1,005 |
Return on assets (ROA) | 1.3714% | 1,075 |
Pretax return on assets | 2.0757% | 409 |
Return on Equity (ROE) | 11.3256% | 1,497 |
Retained earnings to average equity (ytd only) | 5.4987% | 2,110 |
Net charge-offs to loans | 0.2106% | 5,025 |
Credit loss provision to net charge-offs | 234.6154% | 1,247 |
Earnings coverage of net charge-offs (x) | 13.8942% | 1,380 |
Efficiency ratio | 46.8529% | 7,321 |
Assets per employee ($millions) | 4.7913% | 2,430 |
Cash dividends to net income (ytd only)* | 51.4493% | 2,006 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3164% | 4,916 |
Loan loss allowance to noncurrent loans | 40.7786% | 5,586 |
Noncurrent assets plus other real estate owned to assets | 3.3941% | 2,063 |
Noncurrent loans to loans | 3.2282% | 2,348 |
Net loans and leases to total assets | 79.9831% | 662 |
Net loans and leases to deposits | 92.3137% | 1,234 |
Net loans and leases to core deposits | 108.4614% | 1,018 |
Total domestic deposits to total assets | 86.6428% | 3,008 |
Equity capital to assets | 11.9864% | 1,926 |
Core capital (leverage) ratio | 11.2309% | 1,990 |
Tier 1 risk-based capital ratio | 13.1808% | 4,464 |
Total risk-based capital ratio | 14.4311% | 4,415 |
Memoranda: | ||
Average total assets | $231,444,200 | 2,734 |
Average earning assets | $208,659,800 | 2,769 |
Average equity | $28,025,000 | 2,311 |
Average total loans | $197,531,600 | 2,183 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2665% | 542 |
Cost of funding earning assets | 0.8000% | 6,761 |
Net interest margin | 5.4665% | 184 |
Noninterest income to average assets | 0.6312% | 3,244 |
Noninterest expense to average assets | 2.8111% | 4,440 |
Loan and lease loss provision to assets | 0.3929% | 3,539 |
Net operating income to assets | 1.5326% | 864 |
Return on assets (ROA) | 1.5326% | 942 |
Pretax return on assets | 2.3235% | 320 |
Return on Equity (ROE) | 12.6233% | 1,354 |
Retained earnings to average equity (ytd only) | 6.2853% | 2,211 |
Net charge-offs to loans | 0.2252% | 4,584 |
Credit loss provision to net charge-offs | 201.7910% | 1,767 |
Earnings coverage of net charge-offs (x) | 13.9521% | 1,550 |
Efficiency ratio | 44.1804% | 7,456 |
Assets per employee ($millions) | 4.7746% | 2,486 |
Cash dividends to net income (ytd only)* | 50.2086% | 1,616 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1868% | 5,553 |
Loan loss allowance to noncurrent loans | 37.8768% | 5,804 |
Noncurrent assets plus other real estate owned to assets | 3.2143% | 2,223 |
Noncurrent loans to loans | 3.1334% | 2,544 |
Net loans and leases to total assets | 79.9059% | 765 |
Net loans and leases to deposits | 91.8356% | 1,468 |
Net loans and leases to core deposits | 107.2092% | 1,219 |
Total domestic deposits to total assets | 87.0097% | 2,524 |
Equity capital to assets | 11.6988% | 2,361 |
Core capital (leverage) ratio | 11.0285% | 2,235 |
Tier 1 risk-based capital ratio | 12.7829% | 4,745 |
Total risk-based capital ratio | 13.9120% | 4,828 |
Memoranda: | ||
Average total assets | $229,414,500 | 2,795 |
Average earning assets | $205,489,250 | 2,842 |
Average equity | $27,852,500 | 2,350 |
Average total loans | $198,373,000 | 2,201 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4925% | 340 |
Cost of funding earning assets | 0.8287% | 6,822 |
Net interest margin | 5.6638% | 139 |
Noninterest income to average assets | 0.6364% | 3,088 |
Noninterest expense to average assets | 2.7813% | 4,571 |
Loan and lease loss provision to assets | 0.3346% | 3,724 |
Net operating income to assets | 1.6705% | 615 |
Return on assets (ROA) | 1.6705% | 664 |
Pretax return on assets | 2.5330% | 221 |
Return on Equity (ROE) | 13.5813% | 1,122 |
Retained earnings to average equity (ytd only) | 6.7364% | 1,953 |
Net charge-offs to loans | 0.2685% | 3,997 |
Credit loss provision to net charge-offs | 140.8240% | 2,840 |
Earnings coverage of net charge-offs (x) | 12.0674% | 1,704 |
Efficiency ratio | 42.4610% | 7,568 |
Assets per employee ($millions) | 5.2362% | 1,885 |
Cash dividends to net income (ytd only)* | 50.3996% | 1,667 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0766% | 6,053 |
Loan loss allowance to noncurrent loans | 31.6684% | 6,259 |
Noncurrent assets plus other real estate owned to assets | 3.1440% | 2,256 |
Noncurrent loans to loans | 3.3996% | 2,342 |
Net loans and leases to total assets | 82.0865% | 523 |
Net loans and leases to deposits | 94.5601% | 1,203 |
Net loans and leases to core deposits | 110.9315% | 1,106 |
Total domestic deposits to total assets | 86.8088% | 2,643 |
Equity capital to assets | 11.9278% | 2,141 |
Core capital (leverage) ratio | 11.9428% | 1,675 |
Tier 1 risk-based capital ratio | 12.6564% | 4,728 |
Total risk-based capital ratio | 13.6829% | 4,900 |
Memoranda: | ||
Average total assets | $224,718,000 | 2,874 |
Average earning assets | $198,875,330 | 2,965 |
Average equity | $27,641,000 | 2,360 |
Average total loans | $198,860,330 | 2,226 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3883% | 447 |
Cost of funding earning assets | 0.8292% | 7,004 |
Net interest margin | 5.5591% | 164 |
Noninterest income to average assets | 0.6513% | 2,929 |
Noninterest expense to average assets | 2.8258% | 4,389 |
Loan and lease loss provision to assets | 0.3028% | 3,615 |
Net operating income to assets | 1.7221% | 589 |
Return on assets (ROA) | 1.7221% | 642 |
Pretax return on assets | 2.6106% | 208 |
Return on Equity (ROE) | 13.7765% | 1,093 |
Retained earnings to average equity (ytd only) | 6.8737% | 2,184 |
Net charge-offs to loans | 0.2513% | 3,440 |
Credit loss provision to net charge-offs | 131.7460% | 2,681 |
Earnings coverage of net charge-offs (x) | 12.6746% | 1,550 |
Efficiency ratio | 42.2123% | 7,673 |
Assets per employee ($millions) | 4.7777% | 2,535 |
Cash dividends to net income (ytd only)* | 50.1059% | 1,483 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0128% | 6,391 |
Loan loss allowance to noncurrent loans | 48.5455% | 5,100 |
Noncurrent assets plus other real estate owned to assets | 2.2546% | 3,207 |
Noncurrent loans to loans | 2.0863% | 3,674 |
Net loans and leases to total assets | 90.5452% | 59 |
Net loans and leases to deposits | 115.0767% | 195 |
Net loans and leases to core deposits | 137.7464% | 356 |
Total domestic deposits to total assets | 78.6825% | 6,157 |
Equity capital to assets | 12.5789% | 1,707 |
Core capital (leverage) ratio | 11.7887% | 1,758 |
Tier 1 risk-based capital ratio | 12.4299% | 4,813 |
Total risk-based capital ratio | 13.4283% | 4,983 |
Memoranda: | ||
Average total assets | $219,263,500 | 2,999 |
Average earning assets | $200,680,000 | 2,986 |
Average equity | $27,409,000 | 2,410 |
Average total loans | $200,529,000 | 2,276 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5022% | 669 |
Cost of funding earning assets | 1.0761% | 7,045 |
Net interest margin | 5.4261% | 201 |
Noninterest income to average assets | 0.6419% | 3,344 |
Noninterest expense to average assets | 3.0921% | 3,777 |
Loan and lease loss provision to assets | 0.4573% | 4,085 |
Net operating income to assets | 1.3598% | 920 |
Return on assets (ROA) | 1.3598% | 970 |
Pretax return on assets | 2.0449% | 376 |
Return on Equity (ROE) | 10.9334% | 1,448 |
Retained earnings to average equity (ytd only) | 5.4328% | 1,607 |
Net charge-offs to loans | 0.1933% | 5,437 |
Credit loss provision to net charge-offs | 267.3973% | 1,307 |
Earnings coverage of net charge-offs (x) | 14.6301% | 1,359 |
Efficiency ratio | 47.7092% | 7,641 |
Assets per employee ($millions) | 4.6543% | 2,679 |
Cash dividends to net income (ytd only)* | 50.3101% | 2,460 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9979% | 6,405 |
Loan loss allowance to noncurrent loans | 92.0664% | 3,038 |
Noncurrent assets plus other real estate owned to assets | 1.2279% | 4,646 |
Noncurrent loans to loans | 1.0838% | 5,155 |
Net loans and leases to total assets | 90.5273% | 71 |
Net loans and leases to deposits | 129.2443% | 97 |
Net loans and leases to core deposits | 162.2920% | 317 |
Total domestic deposits to total assets | 70.0435% | 7,422 |
Equity capital to assets | 12.4217% | 1,786 |
Core capital (leverage) ratio | 11.5794% | 1,876 |
Tier 1 risk-based capital ratio | 12.1825% | 4,785 |
Total risk-based capital ratio | 13.1657% | 4,970 |
Memoranda: | ||
Average total assets | $213,413,000 | 3,027 |
Average earning assets | $194,780,800 | 3,039 |
Average equity | $26,542,400 | 2,486 |
Average total loans | $188,871,800 | 2,417 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4582% | 826 |
Cost of funding earning assets | 1.1236% | 7,122 |
Net interest margin | 5.3346% | 238 |
Noninterest income to average assets | 0.6790% | 3,161 |
Noninterest expense to average assets | 3.1447% | 3,484 |
Loan and lease loss provision to assets | 0.2861% | 4,686 |
Net operating income to assets | 1.4057% | 1,013 |
Return on assets (ROA) | 1.4057% | 1,080 |
Pretax return on assets | 2.1136% | 426 |
Return on Equity (ROE) | 11.2992% | 1,544 |
Retained earnings to average equity (ytd only) | 5.6294% | 2,142 |
Net charge-offs to loans | 0.1433% | 5,268 |
Credit loss provision to net charge-offs | 227.5000% | 1,916 |
Earnings coverage of net charge-offs (x) | 19.0850% | 1,315 |
Efficiency ratio | 48.9851% | 7,624 |
Assets per employee ($millions) | 4.8144% | 2,379 |
Cash dividends to net income (ytd only)* | 50.1788% | 1,995 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8335% | 7,012 |
Loan loss allowance to noncurrent loans | 132.5788% | 2,142 |
Noncurrent assets plus other real estate owned to assets | 0.8034% | 5,493 |
Noncurrent loans to loans | 0.6287% | 6,040 |
Net loans and leases to total assets | 86.2288% | 332 |
Net loans and leases to deposits | 115.1630% | 288 |
Net loans and leases to core deposits | 138.8864% | 972 |
Total domestic deposits to total assets | 74.8755% | 6,793 |
Equity capital to assets | 11.8638% | 2,314 |
Core capital (leverage) ratio | 11.3076% | 2,184 |
Tier 1 risk-based capital ratio | 12.1126% | 4,867 |
Total risk-based capital ratio | 12.9315% | 5,209 |
Memoranda: | ||
Average total assets | $212,077,750 | 3,066 |
Average earning assets | $193,423,500 | 3,074 |
Average equity | $26,384,750 | 2,515 |
Average total loans | $186,082,750 | 2,472 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5569% | 718 |
Cost of funding earning assets | 1.1521% | 7,237 |
Net interest margin | 5.4047% | 207 |
Noninterest income to average assets | 0.6424% | 3,396 |
Noninterest expense to average assets | 3.2265% | 3,249 |
Loan and lease loss provision to assets | 0.2074% | 4,975 |
Net operating income to assets | 1.4189% | 981 |
Return on assets (ROA) | 1.4189% | 1,055 |
Pretax return on assets | 2.1317% | 403 |
Return on Equity (ROE) | 11.2156% | 1,641 |
Retained earnings to average equity (ytd only) | 5.5125% | 2,242 |
Net charge-offs to loans | 0.1282% | 4,887 |
Credit loss provision to net charge-offs | 183.7607% | 2,496 |
Earnings coverage of net charge-offs (x) | 20.7265% | 1,300 |
Efficiency ratio | 49.9653% | 7,672 |
Assets per employee ($millions) | 4.5139% | 2,751 |
Cash dividends to net income (ytd only)* | 50.8498% | 2,005 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8086% | 7,123 |
Loan loss allowance to noncurrent loans | 83.7380% | 3,378 |
Noncurrent assets plus other real estate owned to assets | 1.0562% | 4,852 |
Noncurrent loans to loans | 0.9657% | 5,290 |
Net loans and leases to total assets | 87.6084% | 262 |
Net loans and leases to deposits | 103.0798% | 983 |
Net loans and leases to core deposits | 123.2929% | 2,087 |
Total domestic deposits to total assets | 84.9908% | 3,264 |
Equity capital to assets | 12.7408% | 1,818 |
Core capital (leverage) ratio | 11.5855% | 2,043 |
Tier 1 risk-based capital ratio | 12.7960% | 4,293 |
Total risk-based capital ratio | 13.5958% | 4,566 |
Memoranda: | ||
Average total assets | $207,344,670 | 3,135 |
Average earning assets | $188,871,000 | 3,155 |
Average equity | $26,231,330 | 2,539 |
Average total loans | $182,525,000 | 2,541 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4545% | 949 |
Cost of funding earning assets | 1.1174% | 7,490 |
Net interest margin | 5.3370% | 221 |
Noninterest income to average assets | 0.6236% | 3,393 |
Noninterest expense to average assets | 3.1564% | 3,164 |
Loan and lease loss provision to assets | 0.0772% | 5,990 |
Net operating income to assets | 1.4981% | 938 |
Return on assets (ROA) | 1.4981% | 1,009 |
Pretax return on assets | 2.2491% | 396 |
Return on Equity (ROE) | 11.8838% | 1,698 |
Retained earnings to average equity (ytd only) | 11.8838% | 810 |
Net charge-offs to loans | 0.4306% | 2,385 |
Credit loss provision to net charge-offs | 20.4082% | 5,071 |
Earnings coverage of net charge-offs (x) | 6.1480% | 2,536 |
Efficiency ratio | 49.2606% | 7,648 |
Assets per employee ($millions) | 4.4355% | 2,821 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6741% | 7,516 |
Loan loss allowance to noncurrent loans | 60.9623% | 4,535 |
Noncurrent assets plus other real estate owned to assets | 0.9670% | 4,777 |
Noncurrent loans to loans | 1.1058% | 4,775 |
Net loans and leases to total assets | 86.8590% | 347 |
Net loans and leases to deposits | 101.6356% | 1,216 |
Net loans and leases to core deposits | 126.1812% | 1,905 |
Total domestic deposits to total assets | 85.4612% | 2,986 |
Equity capital to assets | 12.7150% | 1,876 |
Core capital (leverage) ratio | 11.7308% | 2,029 |
Tier 1 risk-based capital ratio | 12.8928% | 4,257 |
Total risk-based capital ratio | 13.5634% | 4,612 |
Memoranda: | ||
Average total assets | $207,197,000 | 3,153 |
Average earning assets | $188,644,000 | 3,175 |
Average equity | $26,119,500 | 2,561 |
Average total loans | $182,091,000 | 2,566 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8905% | 1,424 |
Cost of funding earning assets | 1.3943% | 7,742 |
Net interest margin | 5.4963% | 210 |
Noninterest income to average assets | 0.7968% | 2,535 |
Noninterest expense to average assets | 14.1542% | 82 |
Loan and lease loss provision to assets | 0.0556% | 6,714 |
Net operating income to assets | -9.4612% | 8,253 |
Return on assets (ROA) | -9.4612% | 8,249 |
Pretax return on assets | -8.8705% | 8,225 |
Return on Equity (ROE) | -49.3258% | 8,150 |
Retained earnings to average equity (ytd only) | -51.3338% | 8,143 |
Net charge-offs to loans | 0.1776% | 4,423 |
Credit loss provision to net charge-offs | 39.0335% | 6,459 |
Earnings coverage of net charge-offs (x) | -61.8513% | 6,995 |
Efficiency ratio | 55.5567% | 7,082 |
Assets per employee ($millions) | 4.2901% | 2,974 |
Cash dividends to net income (ytd only)* | -4.0710% | 7,750 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7615% | 7,242 |
Loan loss allowance to noncurrent loans | 75.6417% | 4,293 |
Noncurrent assets plus other real estate owned to assets | 0.8892% | 4,635 |
Noncurrent loans to loans | 1.0067% | 4,575 |
Net loans and leases to total assets | 87.6503% | 400 |
Net loans and leases to deposits | 102.0017% | 1,589 |
Net loans and leases to core deposits | 125.3781% | 2,220 |
Total domestic deposits to total assets | 85.9302% | 2,432 |
Equity capital to assets | 12.4959% | 2,017 |
Core capital (leverage) ratio | 10.7414% | 2,784 |
Tier 1 risk-based capital ratio | 12.5070% | 4,430 |
Total risk-based capital ratio | 13.2700% | 4,691 |
Memoranda: | ||
Average total assets | $188,749,800 | 3,286 |
Average earning assets | $155,996,600 | 3,551 |
Average equity | $36,204,200 | 1,861 |
Average total loans | $151,435,400 | 2,901 |