Home > Lakestone Bank & Trust > Performance and Condition Ratios
Lakestone Bank & Trust, Performance and Condition Ratios
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 | 4.1376% | 3,411 |
Cost of funding earning assets | 0.4261% | 4,252 |
Net interest margin | 3.7115% | 2,287 |
Noninterest income to average assets | 0.9977% | 863 |
Noninterest expense to average assets | 2.3874% | 3,557 |
Loan and lease loss provision to assets | 0.1255% | 2,137 |
Net operating income to assets | 1.3507% | 1,105 |
Return on assets (ROA) | 1.3507% | 1,188 |
Pretax return on assets | 1.6474% | 959 |
Return on Equity (ROE) | 8.8654% | 2,166 |
Retained earnings to average equity (ytd only) | 8.8654% | 1,008 |
Net charge-offs to loans | -0.0593% | 4,687 |
Credit loss provision to net charge-offs | -368.8525% | 3,327 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.6542% | 4,496 |
Assets per employee ($millions) | 5.3664% | 2,256 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0714% | 5,055 |
Loan loss allowance to noncurrent loans | 42.1208% | 4,214 |
Noncurrent assets plus other real estate owned to assets | 0.2004% | 3,682 |
Noncurrent loans to loans | 0.1694% | 3,859 |
Net loans and leases to total assets | 55.2788% | 3,888 |
Net loans and leases to deposits | 68.0439% | 3,728 |
Net loans and leases to core deposits | 69.0990% | 3,932 |
Total domestic deposits to total assets | 81.2399% | 3,616 |
Equity capital to assets | 15.2691% | 717 |
Core capital (leverage) ratio | 9.7940% | 3,656 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6784% | 2,011 |
Memoranda: | ||
Average total assets | $717,268,000 | 1,091 |
Average earning assets | $611,178,000 | 1,166 |
Average equity | $109,279,000 | 876 |
Average total loans | $411,285,500 | 1,269 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2213% | 3,761 |
Cost of funding earning assets | 0.5346% | 3,950 |
Net interest margin | 3.6868% | 2,847 |
Noninterest income to average assets | 0.8920% | 1,191 |
Noninterest expense to average assets | 2.8978% | 2,304 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.2229% | 1,973 |
Return on assets (ROA) | 1.2166% | 2,085 |
Pretax return on assets | 1.3985% | 2,166 |
Return on Equity (ROE) | 12.1972% | 1,436 |
Retained earnings to average equity (ytd only) | 4.8330% | 2,514 |
Net charge-offs to loans | -0.0339% | 4,735 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2539% | 2,882 |
Assets per employee ($millions) | 4.9208% | 2,687 |
Cash dividends to net income (ytd only)* | 60.3764% | 1,543 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4297% | 4,962 |
Loan loss allowance to noncurrent loans | 176.8563% | 2,305 |
Noncurrent assets plus other real estate owned to assets | 0.2676% | 3,355 |
Noncurrent loans to loans | 0.2430% | 3,577 |
Net loans and leases to total assets | 63.4959% | 3,257 |
Net loans and leases to deposits | 73.6522% | 3,382 |
Net loans and leases to core deposits | 74.7575% | 3,661 |
Total domestic deposits to total assets | 86.2105% | 1,978 |
Equity capital to assets | 10.0265% | 3,894 |
Core capital (leverage) ratio | 10.4388% | 3,020 |
Tier 1 risk-based capital ratio | 16.1625% | 2,344 |
Total risk-based capital ratio | 16.5888% | 2,574 |
Memoranda: | ||
Average total assets | $650,759,400 | 1,152 |
Average earning assets | $602,177,400 | 1,142 |
Average equity | $64,908,400 | 1,295 |
Average total loans | $403,566,600 | 1,257 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2565% | 3,792 |
Cost of funding earning assets | 0.5511% | 3,921 |
Net interest margin | 3.7053% | 2,898 |
Noninterest income to average assets | 0.8726% | 1,211 |
Noninterest expense to average assets | 2.9175% | 2,203 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.1731% | 2,293 |
Return on assets (ROA) | 1.1648% | 2,408 |
Pretax return on assets | 1.3706% | 2,422 |
Return on Equity (ROE) | 11.6943% | 1,719 |
Retained earnings to average equity (ytd only) | 1.7919% | 4,342 |
Net charge-offs to loans | -0.0530% | 4,851 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.7803% | 2,623 |
Assets per employee ($millions) | 4.9425% | 2,624 |
Cash dividends to net income (ytd only)* | 84.6766% | 548 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4336% | 5,034 |
Loan loss allowance to noncurrent loans | 254.1096% | 1,737 |
Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,249 |
Noncurrent loans to loans | 0.1707% | 3,926 |
Net loans and leases to total assets | 63.3647% | 3,349 |
Net loans and leases to deposits | 74.1207% | 3,462 |
Net loans and leases to core deposits | 75.2384% | 3,742 |
Total domestic deposits to total assets | 85.4886% | 2,214 |
Equity capital to assets | 10.0755% | 3,940 |
Core capital (leverage) ratio | 9.7508% | 3,909 |
Tier 1 risk-based capital ratio | 14.2143% | 3,216 |
Total risk-based capital ratio | 14.6200% | 3,546 |
Memoranda: | ||
Average total assets | $646,142,500 | 1,152 |
Average earning assets | $597,283,750 | 1,150 |
Average equity | $64,360,500 | 1,307 |
Average total loans | $397,766,750 | 1,279 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2546% | 3,776 |
Cost of funding earning assets | 0.5249% | 4,011 |
Net interest margin | 3.7297% | 2,833 |
Noninterest income to average assets | 0.8477% | 1,213 |
Noninterest expense to average assets | 2.9203% | 2,228 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.1706% | 2,255 |
Return on assets (ROA) | 1.1706% | 2,331 |
Pretax return on assets | 1.3764% | 2,280 |
Return on Equity (ROE) | 11.7997% | 1,662 |
Retained earnings to average equity (ytd only) | 2.9475% | 3,740 |
Net charge-offs to loans | 0.0144% | 2,621 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 156.6786% | 478 |
Efficiency ratio | 66.8492% | 2,702 |
Assets per employee ($millions) | 4.7469% | 2,807 |
Cash dividends to net income (ytd only)* | 75.0201% | 949 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4051% | 5,102 |
Loan loss allowance to noncurrent loans | 96.1960% | 3,397 |
Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,178 |
Noncurrent loans to loans | 0.4211% | 3,021 |
Net loans and leases to total assets | 62.1943% | 3,523 |
Net loans and leases to deposits | 73.0096% | 3,597 |
Net loans and leases to core deposits | 74.1308% | 3,883 |
Total domestic deposits to total assets | 85.1864% | 2,396 |
Equity capital to assets | 10.0375% | 3,944 |
Core capital (leverage) ratio | 10.0529% | 3,533 |
Tier 1 risk-based capital ratio | 14.4885% | 3,072 |
Total risk-based capital ratio | 14.8606% | 3,419 |
Memoranda: | ||
Average total assets | $637,465,330 | 1,166 |
Average earning assets | $589,479,000 | 1,164 |
Average equity | $63,239,000 | 1,320 |
Average total loans | $387,763,670 | 1,312 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2429% | 3,738 |
Cost of funding earning assets | 0.4820% | 4,145 |
Net interest margin | 3.7609% | 2,670 |
Noninterest income to average assets | 0.8565% | 1,154 |
Noninterest expense to average assets | 2.9667% | 2,084 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.1586% | 2,225 |
Return on assets (ROA) | 1.1586% | 2,279 |
Pretax return on assets | 1.3629% | 2,224 |
Return on Equity (ROE) | 11.7517% | 1,632 |
Retained earnings to average equity (ytd only) | 6.3423% | 2,299 |
Net charge-offs to loans | 0.0075% | 2,430 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 304.8571% | 270 |
Efficiency ratio | 68.5204% | 2,564 |
Assets per employee ($millions) | 4.4818% | 3,220 |
Cash dividends to net income (ytd only)* | 46.0309% | 1,739 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4362% | 5,143 |
Loan loss allowance to noncurrent loans | 112.9679% | 3,189 |
Noncurrent assets plus other real estate owned to assets | 0.3149% | 3,335 |
Noncurrent loans to loans | 0.3862% | 3,199 |
Net loans and leases to total assets | 60.6059% | 3,648 |
Net loans and leases to deposits | 68.6546% | 3,872 |
Net loans and leases to core deposits | 69.5360% | 4,099 |
Total domestic deposits to total assets | 88.2765% | 1,204 |
Equity capital to assets | 9.9855% | 3,845 |
Core capital (leverage) ratio | 10.3797% | 3,184 |
Tier 1 risk-based capital ratio | 15.1641% | 2,812 |
Total risk-based capital ratio | 15.5586% | 3,120 |
Memoranda: | ||
Average total assets | $626,291,500 | 1,185 |
Average earning assets | $578,379,500 | 1,190 |
Average equity | $61,744,000 | 1,339 |
Average total loans | $375,628,000 | 1,354 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0454% | 3,906 |
Cost of funding earning assets | 0.3475% | 4,295 |
Net interest margin | 3.6979% | 3,038 |
Noninterest income to average assets | 0.9128% | 1,150 |
Noninterest expense to average assets | 2.9250% | 2,257 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.1846% | 2,241 |
Return on assets (ROA) | 1.1318% | 2,465 |
Pretax return on assets | 1.3317% | 2,395 |
Return on Equity (ROE) | 11.9421% | 1,734 |
Retained earnings to average equity (ytd only) | 5.6897% | 2,367 |
Net charge-offs to loans | -0.0158% | 4,627 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.7272% | 2,594 |
Assets per employee ($millions) | 4.4976% | 3,174 |
Cash dividends to net income (ytd only)* | 52.3563% | 1,844 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4664% | 5,158 |
Loan loss allowance to noncurrent loans | 110.6258% | 3,260 |
Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,225 |
Noncurrent loans to loans | 0.4216% | 3,030 |
Net loans and leases to total assets | 58.7768% | 3,896 |
Net loans and leases to deposits | 66.7592% | 4,059 |
Net loans and leases to core deposits | 67.7081% | 4,249 |
Total domestic deposits to total assets | 88.0430% | 1,279 |
Equity capital to assets | 9.7277% | 3,931 |
Core capital (leverage) ratio | 10.2873% | 3,257 |
Tier 1 risk-based capital ratio | 15.6938% | 2,534 |
Total risk-based capital ratio | 16.1105% | 2,830 |
Memoranda: | ||
Average total assets | $614,930,200 | 1,175 |
Average earning assets | $566,400,200 | 1,190 |
Average equity | $58,281,200 | 1,352 |
Average total loans | $353,545,000 | 1,387 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0095% | 3,895 |
Cost of funding earning assets | 0.3108% | 4,446 |
Net interest margin | 3.6987% | 3,025 |
Noninterest income to average assets | 0.9146% | 1,156 |
Noninterest expense to average assets | 3.0628% | 1,854 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.0710% | 2,776 |
Return on assets (ROA) | 1.0710% | 2,786 |
Pretax return on assets | 1.2599% | 2,772 |
Return on Equity (ROE) | 11.3753% | 2,029 |
Retained earnings to average equity (ytd only) | 6.9238% | 2,167 |
Net charge-offs to loans | -0.0342% | 4,796 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.8536% | 2,064 |
Assets per employee ($millions) | 4.4534% | 3,193 |
Cash dividends to net income (ytd only)* | 39.1332% | 2,099 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4822% | 5,209 |
Loan loss allowance to noncurrent loans | 111.8940% | 3,259 |
Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,247 |
Noncurrent loans to loans | 0.4310% | 3,110 |
Net loans and leases to total assets | 57.7068% | 4,070 |
Net loans and leases to deposits | 66.0494% | 4,196 |
Net loans and leases to core deposits | 67.0734% | 4,351 |
Total domestic deposits to total assets | 87.3692% | 1,564 |
Equity capital to assets | 9.3325% | 4,242 |
Core capital (leverage) ratio | 10.2253% | 3,375 |
Tier 1 risk-based capital ratio | 16.1070% | 2,406 |
Total risk-based capital ratio | 16.5489% | 2,666 |
Memoranda: | ||
Average total assets | $614,620,750 | 1,181 |
Average earning assets | $566,339,750 | 1,192 |
Average equity | $57,866,750 | 1,361 |
Average total loans | $350,966,000 | 1,399 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9731% | 3,864 |
Cost of funding earning assets | 0.2767% | 4,582 |
Net interest margin | 3.6964% | 2,939 |
Noninterest income to average assets | 0.9100% | 1,155 |
Noninterest expense to average assets | 3.0942% | 1,801 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.0412% | 2,845 |
Return on assets (ROA) | 1.0412% | 2,848 |
Pretax return on assets | 1.2229% | 2,860 |
Return on Equity (ROE) | 11.0261% | 2,102 |
Retained earnings to average equity (ytd only) | 6.4664% | 2,325 |
Net charge-offs to loans | -0.0339% | 4,783 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.6736% | 2,053 |
Assets per employee ($millions) | 4.4440% | 3,217 |
Cash dividends to net income (ytd only)* | 41.3534% | 2,055 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4780% | 5,286 |
Loan loss allowance to noncurrent loans | 290.1024% | 1,683 |
Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,104 |
Noncurrent loans to loans | 0.1648% | 4,168 |
Net loans and leases to total assets | 56.8940% | 4,090 |
Net loans and leases to deposits | 64.6541% | 4,238 |
Net loans and leases to core deposits | 65.6878% | 4,384 |
Total domestic deposits to total assets | 87.9975% | 1,381 |
Equity capital to assets | 9.2910% | 4,288 |
Core capital (leverage) ratio | 10.1448% | 3,427 |
Tier 1 risk-based capital ratio | 15.5480% | 2,619 |
Total risk-based capital ratio | 15.9751% | 2,936 |
Memoranda: | ||
Average total assets | $613,155,330 | 1,186 |
Average earning assets | $565,145,330 | 1,190 |
Average equity | $57,899,000 | 1,363 |
Average total loans | $348,306,000 | 1,413 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9607% | 3,754 |
Cost of funding earning assets | 0.2475% | 4,724 |
Net interest margin | 3.7132% | 2,752 |
Noninterest income to average assets | 0.9496% | 1,021 |
Noninterest expense to average assets | 3.1519% | 1,688 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.0364% | 2,707 |
Return on assets (ROA) | 1.0364% | 2,723 |
Pretax return on assets | 1.2184% | 2,682 |
Return on Equity (ROE) | 10.8860% | 2,018 |
Retained earnings to average equity (ytd only) | 5.8744% | 2,769 |
Net charge-offs to loans | -0.0696% | 5,110 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.1203% | 2,176 |
Assets per employee ($millions) | 4.3608% | 3,381 |
Cash dividends to net income (ytd only)* | 46.0368% | 1,621 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4935% | 5,338 |
Loan loss allowance to noncurrent loans | 280.6931% | 1,734 |
Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,128 |
Noncurrent loans to loans | 0.1758% | 4,190 |
Net loans and leases to total assets | 55.7845% | 4,138 |
Net loans and leases to deposits | 61.9019% | 4,347 |
Net loans and leases to core deposits | 65.3805% | 4,353 |
Total domestic deposits to total assets | 90.1177% | 613 |
Equity capital to assets | 9.2612% | 4,308 |
Core capital (leverage) ratio | 10.0158% | 3,519 |
Tier 1 risk-based capital ratio | 16.0214% | 2,462 |
Total risk-based capital ratio | 16.4698% | 2,715 |
Memoranda: | ||
Average total assets | $608,652,000 | 1,203 |
Average earning assets | $560,704,000 | 1,206 |
Average equity | $57,946,000 | 1,373 |
Average total loans | $344,622,500 | 1,426 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8705% | 3,822 |
Cost of funding earning assets | 0.1719% | 5,145 |
Net interest margin | 3.6986% | 2,806 |
Noninterest income to average assets | 0.9935% | 1,033 |
Noninterest expense to average assets | 3.0221% | 2,103 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.9698% | 2,365 |
Return on assets (ROA) | 0.9283% | 2,584 |
Pretax return on assets | 1.2985% | 2,359 |
Return on Equity (ROE) | 9.5341% | 2,090 |
Retained earnings to average equity (ytd only) | 4.3994% | 2,519 |
Net charge-offs to loans | 0.0133% | 3,623 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 187.3488% | 419 |
Efficiency ratio | 69.0130% | 2,696 |
Assets per employee ($millions) | 4.0431% | 3,893 |
Cash dividends to net income (ytd only)* | 53.8559% | 2,080 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4763% | 5,413 |
Loan loss allowance to noncurrent loans | 249.3921% | 1,938 |
Noncurrent assets plus other real estate owned to assets | 0.2075% | 4,098 |
Noncurrent loans to loans | 0.1910% | 4,150 |
Net loans and leases to total assets | 56.9192% | 4,117 |
Net loans and leases to deposits | 63.5499% | 4,347 |
Net loans and leases to core deposits | 66.8382% | 4,373 |
Total domestic deposits to total assets | 89.5662% | 746 |
Equity capital to assets | 9.7849% | 3,936 |
Core capital (leverage) ratio | 10.1949% | 3,200 |
Tier 1 risk-based capital ratio | 16.1400% | 2,384 |
Total risk-based capital ratio | 16.5803% | 2,630 |
Memoranda: | ||
Average total assets | $593,686,200 | 1,207 |
Average earning assets | $543,442,200 | 1,219 |
Average equity | $57,803,200 | 1,362 |
Average total loans | $323,156,800 | 1,469 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8509% | 3,828 |
Cost of funding earning assets | 0.1646% | 5,228 |
Net interest margin | 3.6863% | 2,798 |
Noninterest income to average assets | 0.9999% | 1,024 |
Noninterest expense to average assets | 3.0453% | 1,974 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.9790% | 2,648 |
Return on assets (ROA) | 0.9715% | 2,738 |
Pretax return on assets | 1.3164% | 2,411 |
Return on Equity (ROE) | 9.9910% | 2,137 |
Retained earnings to average equity (ytd only) | 6.0293% | 2,214 |
Net charge-offs to loans | -0.0868% | 5,337 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.6571% | 2,589 |
Assets per employee ($millions) | 4.0223% | 3,954 |
Cash dividends to net income (ytd only)* | 39.6520% | 2,301 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5737% | 5,368 |
Loan loss allowance to noncurrent loans | 256.5807% | 1,807 |
Noncurrent assets plus other real estate owned to assets | 0.2201% | 4,183 |
Noncurrent loans to loans | 0.2236% | 4,171 |
Net loans and leases to total assets | 55.0493% | 4,317 |
Net loans and leases to deposits | 61.7093% | 4,538 |
Net loans and leases to core deposits | 64.9887% | 4,555 |
Total domestic deposits to total assets | 89.2073% | 777 |
Equity capital to assets | 10.0942% | 3,809 |
Core capital (leverage) ratio | 10.1318% | 3,404 |
Tier 1 risk-based capital ratio | 16.8028% | 2,217 |
Total risk-based capital ratio | 17.3298% | 2,407 |
Memoranda: | ||
Average total assets | $591,500,500 | 1,218 |
Average earning assets | $541,051,000 | 1,228 |
Average equity | $57,517,250 | 1,379 |
Average total loans | $317,811,250 | 1,494 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8816% | 3,619 |
Cost of funding earning assets | 0.1544% | 5,312 |
Net interest margin | 3.7273% | 2,558 |
Noninterest income to average assets | 1.0145% | 987 |
Noninterest expense to average assets | 3.1049% | 1,829 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.9704% | 2,568 |
Return on assets (ROA) | 0.9667% | 2,631 |
Pretax return on assets | 1.3157% | 2,329 |
Return on Equity (ROE) | 10.0707% | 2,009 |
Retained earnings to average equity (ytd only) | 5.9513% | 2,148 |
Net charge-offs to loans | -0.1174% | 5,458 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1554% | 2,650 |
Assets per employee ($millions) | 3.8626% | 4,181 |
Cash dividends to net income (ytd only)* | 40.9043% | 2,287 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5941% | 5,391 |
Loan loss allowance to noncurrent loans | 184.3195% | 2,392 |
Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,089 |
Noncurrent loans to loans | 0.3223% | 3,877 |
Net loans and leases to total assets | 52.9167% | 4,486 |
Net loans and leases to deposits | 59.3995% | 4,674 |
Net loans and leases to core deposits | 62.9262% | 4,670 |
Total domestic deposits to total assets | 89.0861% | 916 |
Equity capital to assets | 10.0100% | 3,898 |
Core capital (leverage) ratio | 10.0527% | 3,473 |
Tier 1 risk-based capital ratio | 16.9444% | 2,166 |
Total risk-based capital ratio | 17.4783% | 2,357 |
Memoranda: | ||
Average total assets | $590,236,000 | 1,223 |
Average earning assets | $540,183,000 | 1,233 |
Average equity | $56,659,670 | 1,396 |
Average total loans | $315,129,670 | 1,507 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7648% | 3,887 |
Cost of funding earning assets | 0.1540% | 5,345 |
Net interest margin | 3.6108% | 2,849 |
Noninterest income to average assets | 1.0504% | 910 |
Noninterest expense to average assets | 3.0753% | 1,932 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.9353% | 2,583 |
Return on assets (ROA) | 0.9283% | 2,677 |
Pretax return on assets | 1.2728% | 2,337 |
Return on Equity (ROE) | 9.8825% | 2,015 |
Retained earnings to average equity (ytd only) | 5.2481% | 2,756 |
Net charge-offs to loans | -0.2372% | 5,645 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.5727% | 2,807 |
Assets per employee ($millions) | 3.6803% | 4,537 |
Cash dividends to net income (ytd only)* | 46.8955% | 1,785 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5931% | 5,486 |
Loan loss allowance to noncurrent loans | 164.5558% | 2,627 |
Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,103 |
Noncurrent loans to loans | 0.3604% | 3,801 |
Net loans and leases to total assets | 52.6005% | 4,462 |
Net loans and leases to deposits | 58.6231% | 4,656 |
Net loans and leases to core deposits | 62.3878% | 4,626 |
Total domestic deposits to total assets | 89.7266% | 782 |
Equity capital to assets | 9.4316% | 4,359 |
Core capital (leverage) ratio | 9.8230% | 3,726 |
Tier 1 risk-based capital ratio | 16.9846% | 2,186 |
Total risk-based capital ratio | 17.5321% | 2,388 |
Memoranda: | ||
Average total assets | $589,865,000 | 1,221 |
Average earning assets | $540,261,500 | 1,235 |
Average equity | $55,411,000 | 1,422 |
Average total loans | $315,397,000 | 1,510 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0408% | 3,060 |
Cost of funding earning assets | 0.1891% | 5,117 |
Net interest margin | 3.8517% | 2,130 |
Noninterest income to average assets | 1.1255% | 905 |
Noninterest expense to average assets | 3.9412% | 654 |
Loan and lease loss provision to assets | -0.0787% | 5,652 |
Net operating income to assets | 0.6300% | 4,092 |
Return on assets (ROA) | 0.6711% | 4,020 |
Pretax return on assets | 0.8647% | 3,958 |
Return on Equity (ROE) | 6.2335% | 3,875 |
Retained earnings to average equity (ytd only) | 0.7554% | 5,020 |
Net charge-offs to loans | 0.1938% | 1,434 |
Credit loss provision to net charge-offs | -77.3196% | 4,857 |
Earnings coverage of net charge-offs (x) | 7.2036% | 3,054 |
Efficiency ratio | 83.5326% | 1,056 |
Assets per employee ($millions) | 3.6230% | 4,575 |
Cash dividends to net income (ytd only)* | 87.8812% | 650 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4625% | 5,690 |
Loan loss allowance to noncurrent loans | 107.3475% | 3,479 |
Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,670 |
Noncurrent loans to loans | 0.4308% | 3,598 |
Net loans and leases to total assets | 53.9061% | 4,448 |
Net loans and leases to deposits | 60.4271% | 4,642 |
Net loans and leases to core deposits | 63.2040% | 4,678 |
Total domestic deposits to total assets | 89.2084% | 1,004 |
Equity capital to assets | 9.4022% | 4,372 |
Core capital (leverage) ratio | 9.8867% | 3,648 |
Tier 1 risk-based capital ratio | 16.6804% | 2,276 |
Total risk-based capital ratio | 17.1020% | 2,536 |
Memoranda: | ||
Average total assets | $381,152,000 | 1,759 |
Average earning assets | $351,196,400 | 1,770 |
Average equity | $41,036,200 | 1,805 |
Average total loans | $200,210,400 | 2,122 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5484% | 4,682 |
Cost of funding earning assets | 0.1891% | 5,185 |
Net interest margin | 3.3593% | 3,999 |
Noninterest income to average assets | 1.1009% | 936 |
Noninterest expense to average assets | 3.1129% | 1,997 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.8282% | 3,245 |
Return on assets (ROA) | 0.8993% | 3,049 |
Pretax return on assets | 1.1994% | 2,842 |
Return on Equity (ROE) | 7.9109% | 3,054 |
Retained earnings to average equity (ytd only) | 3.2708% | 3,942 |
Net charge-offs to loans | 0.0973% | 1,973 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 21.9123% | 1,795 |
Efficiency ratio | 73.8095% | 2,321 |
Assets per employee ($millions) | 3.4969% | 4,783 |
Cash dividends to net income (ytd only)* | 58.6548% | 1,475 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1536% | 3,526 |
Loan loss allowance to noncurrent loans | 18,400.0000% | 32 |
Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,671 |
Noncurrent loans to loans | 0.0063% | 5,393 |
Net loans and leases to total assets | 51.1285% | 4,723 |
Net loans and leases to deposits | 57.9604% | 4,877 |
Net loans and leases to core deposits | 62.6708% | 4,795 |
Total domestic deposits to total assets | 88.2129% | 1,292 |
Equity capital to assets | 11.2314% | 2,762 |
Core capital (leverage) ratio | 11.4248% | 2,096 |
Tier 1 risk-based capital ratio | 19.7953% | 1,486 |
Total risk-based capital ratio | 20.8451% | 1,490 |
Memoranda: | ||
Average total assets | $330,615,500 | 2,005 |
Average earning assets | $306,721,500 | 2,004 |
Average equity | $37,584,500 | 1,959 |
Average total loans | $171,289,500 | 2,399 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6100% | 4,557 |
Cost of funding earning assets | 0.1893% | 5,242 |
Net interest margin | 3.4207% | 3,799 |
Noninterest income to average assets | 1.0374% | 1,039 |
Noninterest expense to average assets | 3.0938% | 2,077 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.8401% | 3,132 |
Return on assets (ROA) | 0.8854% | 3,057 |
Pretax return on assets | 1.1789% | 2,863 |
Return on Equity (ROE) | 7.7565% | 3,113 |
Retained earnings to average equity (ytd only) | 3.3784% | 3,744 |
Net charge-offs to loans | 0.0259% | 2,960 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 83.3182% | 684 |
Efficiency ratio | 73.4463% | 2,442 |
Assets per employee ($millions) | 3.3812% | 4,950 |
Cash dividends to net income (ytd only)* | 56.4438% | 1,686 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2557% | 3,042 |
Loan loss allowance to noncurrent loans | 235.2876% | 1,995 |
Noncurrent assets plus other real estate owned to assets | 0.4561% | 3,684 |
Noncurrent loans to loans | 0.5337% | 3,476 |
Net loans and leases to total assets | 50.9961% | 4,766 |
Net loans and leases to deposits | 58.1596% | 4,892 |
Net loans and leases to core deposits | 63.0686% | 4,807 |
Total domestic deposits to total assets | 87.6830% | 1,584 |
Equity capital to assets | 11.6304% | 2,416 |
Core capital (leverage) ratio | 11.4059% | 2,059 |
Tier 1 risk-based capital ratio | 19.4049% | 1,591 |
Total risk-based capital ratio | 20.4946% | 1,602 |
Memoranda: | ||
Average total assets | $327,753,330 | 2,029 |
Average earning assets | $304,210,000 | 2,026 |
Average equity | $37,413,670 | 1,969 |
Average total loans | $169,901,670 | 2,415 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6165% | 4,578 |
Cost of funding earning assets | 0.1888% | 5,299 |
Net interest margin | 3.4277% | 3,776 |
Noninterest income to average assets | 1.0426% | 1,000 |
Noninterest expense to average assets | 3.0753% | 2,163 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.8454% | 3,007 |
Return on assets (ROA) | 0.8534% | 3,103 |
Pretax return on assets | 1.1696% | 2,820 |
Return on Equity (ROE) | 7.5470% | 3,166 |
Retained earnings to average equity (ytd only) | 3.2930% | 3,847 |
Net charge-offs to loans | 0.0423% | 2,154 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 52.7222% | 850 |
Efficiency ratio | 72.6355% | 2,710 |
Assets per employee ($millions) | 3.4514% | 4,883 |
Cash dividends to net income (ytd only)* | 56.3662% | 1,548 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2637% | 3,090 |
Loan loss allowance to noncurrent loans | 224.3158% | 2,055 |
Noncurrent assets plus other real estate owned to assets | 0.5375% | 3,464 |
Noncurrent loans to loans | 0.5634% | 3,498 |
Net loans and leases to total assets | 50.2520% | 4,784 |
Net loans and leases to deposits | 57.0021% | 4,918 |
Net loans and leases to core deposits | 62.0379% | 4,817 |
Total domestic deposits to total assets | 88.1582% | 1,555 |
Equity capital to assets | 11.2985% | 2,631 |
Core capital (leverage) ratio | 11.4025% | 2,050 |
Tier 1 risk-based capital ratio | 19.4057% | 1,629 |
Total risk-based capital ratio | 20.5070% | 1,639 |
Memoranda: | ||
Average total assets | $327,641,000 | 2,038 |
Average earning assets | $305,047,000 | 2,025 |
Average equity | $37,048,000 | 1,986 |
Average total loans | $170,161,000 | 2,405 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8021% | 4,036 |
Cost of funding earning assets | 0.1968% | 5,310 |
Net interest margin | 3.6052% | 3,115 |
Noninterest income to average assets | 1.0671% | 1,031 |
Noninterest expense to average assets | 3.0371% | 2,427 |
Loan and lease loss provision to assets | -0.1875% | 5,976 |
Net operating income to assets | 1.1153% | 1,856 |
Return on assets (ROA) | 1.1180% | 1,909 |
Pretax return on assets | 1.5804% | 1,311 |
Return on Equity (ROE) | 10.0803% | 1,980 |
Retained earnings to average equity (ytd only) | 5.6797% | 1,967 |
Net charge-offs to loans | -0.0162% | 5,222 |
Credit loss provision to net charge-offs | 2,142.8571% | 156 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6150% | 3,461 |
Assets per employee ($millions) | 3.4100% | 4,965 |
Cash dividends to net income (ytd only)* | 43.6557% | 2,663 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2517% | 3,160 |
Loan loss allowance to noncurrent loans | 193.2554% | 2,315 |
Noncurrent assets plus other real estate owned to assets | 0.5878% | 3,323 |
Noncurrent loans to loans | 0.6477% | 3,239 |
Net loans and leases to total assets | 52.3356% | 4,664 |
Net loans and leases to deposits | 59.4515% | 4,810 |
Net loans and leases to core deposits | 62.9618% | 4,801 |
Total domestic deposits to total assets | 88.0307% | 1,607 |
Equity capital to assets | 11.3167% | 2,527 |
Core capital (leverage) ratio | 11.6840% | 1,827 |
Tier 1 risk-based capital ratio | 19.7831% | 1,522 |
Total risk-based capital ratio | 20.9245% | 1,518 |
Memoranda: | ||
Average total assets | $320,039,400 | 2,044 |
Average earning assets | $298,207,200 | 2,025 |
Average equity | $35,494,800 | 2,009 |
Average total loans | $173,225,000 | 2,314 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8517% | 3,929 |
Cost of funding earning assets | 0.1988% | 5,386 |
Net interest margin | 3.6529% | 2,947 |
Noninterest income to average assets | 1.0551% | 1,073 |
Noninterest expense to average assets | 3.0932% | 2,241 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.9674% | 2,631 |
Return on assets (ROA) | 0.9674% | 2,716 |
Pretax return on assets | 1.3635% | 2,167 |
Return on Equity (ROE) | 8.7678% | 2,694 |
Retained earnings to average equity (ytd only) | 5.4311% | 2,622 |
Net charge-offs to loans | -0.0092% | 4,962 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.4046% | 3,311 |
Assets per employee ($millions) | 3.3123% | 5,103 |
Cash dividends to net income (ytd only)* | 38.0562% | 2,407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6051% | 1,776 |
Loan loss allowance to noncurrent loans | 226.6169% | 2,039 |
Noncurrent assets plus other real estate owned to assets | 0.6708% | 3,245 |
Noncurrent loans to loans | 0.7083% | 3,206 |
Net loans and leases to total assets | 52.6863% | 4,693 |
Net loans and leases to deposits | 59.8040% | 4,873 |
Net loans and leases to core deposits | 63.9419% | 4,819 |
Total domestic deposits to total assets | 88.0984% | 1,504 |
Equity capital to assets | 11.3560% | 2,637 |
Core capital (leverage) ratio | 11.3102% | 2,184 |
Tier 1 risk-based capital ratio | 19.5628% | 1,654 |
Total risk-based capital ratio | 20.8151% | 1,619 |
Memoranda: | ||
Average total assets | $319,062,750 | 2,065 |
Average earning assets | $297,107,000 | 2,046 |
Average equity | $35,203,500 | 2,035 |
Average total loans | $173,609,250 | 2,326 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8722% | 3,793 |
Cost of funding earning assets | 0.1999% | 5,434 |
Net interest margin | 3.6724% | 2,826 |
Noninterest income to average assets | 1.0262% | 1,126 |
Noninterest expense to average assets | 3.1131% | 2,208 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.9461% | 2,659 |
Return on assets (ROA) | 0.9461% | 2,775 |
Pretax return on assets | 1.3299% | 2,246 |
Return on Equity (ROE) | 8.6587% | 2,716 |
Retained earnings to average equity (ytd only) | 5.2204% | 2,721 |
Net charge-offs to loans | -0.0172% | 5,116 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0676% | 3,313 |
Assets per employee ($millions) | 3.4129% | 4,959 |
Cash dividends to net income (ytd only)* | 39.7088% | 2,395 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5407% | 2,112 |
Loan loss allowance to noncurrent loans | 177.7778% | 2,436 |
Noncurrent assets plus other real estate owned to assets | 0.7773% | 3,062 |
Noncurrent loans to loans | 0.8666% | 2,960 |
Net loans and leases to total assets | 55.0885% | 4,443 |
Net loans and leases to deposits | 62.3846% | 4,674 |
Net loans and leases to core deposits | 67.2457% | 4,554 |
Total domestic deposits to total assets | 88.3047% | 1,494 |
Equity capital to assets | 10.9893% | 2,891 |
Core capital (leverage) ratio | 11.2433% | 2,212 |
Tier 1 risk-based capital ratio | 19.2336% | 1,738 |
Total risk-based capital ratio | 20.4864% | 1,704 |
Memoranda: | ||
Average total assets | $319,423,000 | 2,079 |
Average earning assets | $297,193,670 | 2,062 |
Average equity | $34,901,330 | 2,063 |
Average total loans | $174,723,670 | 2,319 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8177% | 3,941 |
Cost of funding earning assets | 0.1985% | 5,528 |
Net interest margin | 3.6192% | 2,931 |
Noninterest income to average assets | 0.9749% | 1,175 |
Noninterest expense to average assets | 3.1033% | 2,260 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.8875% | 2,808 |
Return on assets (ROA) | 0.8875% | 2,932 |
Pretax return on assets | 1.2396% | 2,512 |
Return on Equity (ROE) | 8.1462% | 2,886 |
Retained earnings to average equity (ytd only) | 4.3767% | 3,396 |
Net charge-offs to loans | -0.0069% | 4,590 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4573% | 3,257 |
Assets per employee ($millions) | 3.3999% | 5,083 |
Cash dividends to net income (ytd only)* | 46.2729% | 1,848 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5547% | 2,216 |
Loan loss allowance to noncurrent loans | 189.2981% | 2,327 |
Noncurrent assets plus other real estate owned to assets | 0.8151% | 3,062 |
Noncurrent loans to loans | 0.8213% | 3,190 |
Net loans and leases to total assets | 53.9715% | 4,449 |
Net loans and leases to deposits | 61.0985% | 4,653 |
Net loans and leases to core deposits | 66.1971% | 4,498 |
Total domestic deposits to total assets | 88.3352% | 1,641 |
Equity capital to assets | 11.0832% | 2,881 |
Core capital (leverage) ratio | 11.0961% | 2,320 |
Tier 1 risk-based capital ratio | 19.2225% | 1,808 |
Total risk-based capital ratio | 20.4748% | 1,764 |
Memoranda: | ||
Average total assets | $320,434,500 | 2,085 |
Average earning assets | $298,187,500 | 2,064 |
Average equity | $34,912,000 | 2,071 |
Average total loans | $173,292,000 | 2,335 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9487% | 3,931 |
Cost of funding earning assets | 0.2356% | 5,463 |
Net interest margin | 3.7131% | 2,960 |
Noninterest income to average assets | 1.0997% | 1,006 |
Noninterest expense to average assets | 3.0549% | 2,668 |
Loan and lease loss provision to assets | -0.2042% | 6,296 |
Net operating income to assets | 1.2021% | 1,581 |
Return on assets (ROA) | 1.1590% | 1,798 |
Pretax return on assets | 1.6247% | 1,162 |
Return on Equity (ROE) | 11.8916% | 1,445 |
Retained earnings to average equity (ytd only) | 7.7526% | 1,109 |
Net charge-offs to loans | 0.3885% | 1,100 |
Credit loss provision to net charge-offs | -103.8339% | 5,527 |
Earnings coverage of net charge-offs (x) | 7.5304% | 3,020 |
Efficiency ratio | 67.3478% | 4,007 |
Assets per employee ($millions) | 3.3819% | 5,100 |
Cash dividends to net income (ytd only)* | 34.8062% | 3,133 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5878% | 2,134 |
Loan loss allowance to noncurrent loans | 185.8607% | 2,374 |
Noncurrent assets plus other real estate owned to assets | 0.8192% | 3,156 |
Noncurrent loans to loans | 0.8543% | 3,179 |
Net loans and leases to total assets | 52.4938% | 4,741 |
Net loans and leases to deposits | 60.8603% | 4,822 |
Net loans and leases to core deposits | 64.8908% | 4,762 |
Total domestic deposits to total assets | 86.2529% | 2,695 |
Equity capital to assets | 10.7082% | 3,223 |
Core capital (leverage) ratio | 11.0577% | 2,351 |
Tier 1 risk-based capital ratio | 19.1817% | 1,797 |
Total risk-based capital ratio | 20.4346% | 1,761 |
Memoranda: | ||
Average total assets | $318,278,800 | 2,043 |
Average earning assets | $294,555,600 | 2,039 |
Average equity | $31,022,000 | 2,222 |
Average total loans | $161,114,000 | 2,411 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9762% | 3,849 |
Cost of funding earning assets | 0.2429% | 5,480 |
Net interest margin | 3.7333% | 2,883 |
Noninterest income to average assets | 1.1362% | 937 |
Noninterest expense to average assets | 3.2000% | 2,180 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.0229% | 2,354 |
Return on assets (ROA) | 0.9847% | 2,585 |
Pretax return on assets | 1.3370% | 2,247 |
Return on Equity (ROE) | 10.3609% | 2,049 |
Retained earnings to average equity (ytd only) | 7.4581% | 1,588 |
Net charge-offs to loans | 0.5062% | 762 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 5.4933% | 3,250 |
Efficiency ratio | 69.7383% | 3,558 |
Assets per employee ($millions) | 3.2695% | 5,285 |
Cash dividends to net income (ytd only)* | 28.0171% | 2,889 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1664% | 991 |
Loan loss allowance to noncurrent loans | 189.0312% | 2,248 |
Noncurrent assets plus other real estate owned to assets | 0.9387% | 3,093 |
Noncurrent loans to loans | 1.1461% | 2,767 |
Net loans and leases to total assets | 48.3432% | 5,174 |
Net loans and leases to deposits | 54.1441% | 5,377 |
Net loans and leases to core deposits | 58.5044% | 5,300 |
Total domestic deposits to total assets | 89.2862% | 1,082 |
Equity capital to assets | 10.1447% | 3,998 |
Core capital (leverage) ratio | 10.7235% | 2,791 |
Tier 1 risk-based capital ratio | 20.1253% | 1,643 |
Total risk-based capital ratio | 21.3848% | 1,605 |
Memoranda: | ||
Average total assets | $317,529,500 | 2,058 |
Average earning assets | $293,636,500 | 2,052 |
Average equity | $30,176,750 | 2,274 |
Average total loans | $158,549,750 | 2,458 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9956% | 3,742 |
Cost of funding earning assets | 0.2477% | 5,511 |
Net interest margin | 3.7479% | 2,768 |
Noninterest income to average assets | 1.1629% | 861 |
Noninterest expense to average assets | 3.2066% | 2,173 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.0525% | 2,112 |
Return on assets (ROA) | 1.0143% | 2,339 |
Pretax return on assets | 1.3631% | 2,027 |
Return on Equity (ROE) | 10.9178% | 1,764 |
Retained earnings to average equity (ytd only) | 8.2273% | 1,237 |
Net charge-offs to loans | 0.0716% | 2,991 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 39.4211% | 1,072 |
Efficiency ratio | 69.3869% | 3,762 |
Assets per employee ($millions) | 3.1195% | 5,566 |
Cash dividends to net income (ytd only)* | 24.6431% | 3,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4956% | 714 |
Loan loss allowance to noncurrent loans | 739.2120% | 662 |
Noncurrent assets plus other real estate owned to assets | 0.5362% | 4,386 |
Noncurrent loans to loans | 0.3376% | 5,004 |
Net loans and leases to total assets | 47.9096% | 5,177 |
Net loans and leases to deposits | 53.9628% | 5,363 |
Net loans and leases to core deposits | 58.8493% | 5,212 |
Total domestic deposits to total assets | 88.7828% | 1,484 |
Equity capital to assets | 9.7719% | 4,402 |
Core capital (leverage) ratio | 10.5759% | 2,851 |
Tier 1 risk-based capital ratio | 19.4580% | 1,807 |
Total risk-based capital ratio | 20.7202% | 1,776 |
Memoranda: | ||
Average total assets | $317,659,000 | 2,058 |
Average earning assets | $293,122,330 | 2,052 |
Average equity | $29,511,330 | 2,297 |
Average total loans | $159,162,670 | 2,458 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0291% | 3,572 |
Cost of funding earning assets | 0.2491% | 5,589 |
Net interest margin | 3.7800% | 2,552 |
Noninterest income to average assets | 1.1360% | 864 |
Noninterest expense to average assets | 3.2270% | 2,134 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.0324% | 2,076 |
Return on assets (ROA) | 0.9537% | 2,462 |
Pretax return on assets | 1.2817% | 2,166 |
Return on Equity (ROE) | 10.5433% | 1,848 |
Retained earnings to average equity (ytd only) | 7.5469% | 1,795 |
Net charge-offs to loans | -0.0250% | 5,463 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9232% | 3,849 |
Assets per employee ($millions) | 3.1738% | 5,563 |
Cash dividends to net income (ytd only)* | 28.4197% | 2,324 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5423% | 775 |
Loan loss allowance to noncurrent loans | 685.1282% | 716 |
Noncurrent assets plus other real estate owned to assets | 0.5943% | 4,369 |
Noncurrent loans to loans | 0.3711% | 5,016 |
Net loans and leases to total assets | 47.9308% | 5,137 |
Net loans and leases to deposits | 53.8197% | 5,305 |
Net loans and leases to core deposits | 59.1508% | 5,111 |
Total domestic deposits to total assets | 89.0579% | 1,621 |
Equity capital to assets | 9.1227% | 4,976 |
Core capital (leverage) ratio | 10.5268% | 2,895 |
Tier 1 risk-based capital ratio | 18.8419% | 2,015 |
Total risk-based capital ratio | 20.1041% | 1,971 |
Memoranda: | ||
Average total assets | $315,834,000 | 2,078 |
Average earning assets | $290,684,000 | 2,077 |
Average equity | $28,568,000 | 2,364 |
Average total loans | $159,805,000 | 2,464 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1179% | 3,670 |
Cost of funding earning assets | 0.2761% | 5,792 |
Net interest margin | 3.8418% | 2,498 |
Noninterest income to average assets | 1.4252% | 687 |
Noninterest expense to average assets | 3.2684% | 2,224 |
Loan and lease loss provision to assets | 0.1170% | 2,857 |
Net operating income to assets | 1.1077% | 1,910 |
Return on assets (ROA) | 1.1337% | 1,883 |
Pretax return on assets | 1.6134% | 1,137 |
Return on Equity (ROE) | 11.9481% | 1,434 |
Retained earnings to average equity (ytd only) | 9.4201% | 674 |
Net charge-offs to loans | 0.0682% | 4,258 |
Credit loss provision to net charge-offs | 327.2727% | 701 |
Earnings coverage of net charge-offs (x) | 47.3636% | 829 |
Efficiency ratio | 65.8719% | 4,586 |
Assets per employee ($millions) | 2.9915% | 5,847 |
Cash dividends to net income (ytd only)* | 21.1583% | 3,668 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4679% | 857 |
Loan loss allowance to noncurrent loans | 104.0073% | 3,527 |
Noncurrent assets plus other real estate owned to assets | 1.6627% | 2,222 |
Noncurrent loans to loans | 2.3728% | 1,621 |
Net loans and leases to total assets | 50.7727% | 4,992 |
Net loans and leases to deposits | 56.0030% | 5,303 |
Net loans and leases to core deposits | 60.6112% | 5,175 |
Total domestic deposits to total assets | 90.6607% | 724 |
Equity capital to assets | 8.9655% | 5,080 |
Core capital (leverage) ratio | 10.6643% | 2,711 |
Tier 1 risk-based capital ratio | 18.5121% | 2,075 |
Total risk-based capital ratio | 19.7743% | 2,038 |
Memoranda: | ||
Average total assets | $307,669,600 | 2,095 |
Average earning assets | $283,224,400 | 2,090 |
Average equity | $29,193,000 | 2,300 |
Average total loans | $161,188,600 | 2,410 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1324% | 3,631 |
Cost of funding earning assets | 0.2793% | 5,894 |
Net interest margin | 3.8531% | 2,451 |
Noninterest income to average assets | 1.5023% | 650 |
Noninterest expense to average assets | 3.3140% | 2,044 |
Loan and lease loss provision to assets | 0.1434% | 2,491 |
Net operating income to assets | 1.1187% | 1,937 |
Return on assets (ROA) | 1.1534% | 1,871 |
Pretax return on assets | 1.6440% | 1,231 |
Return on Equity (ROE) | 11.9879% | 1,477 |
Retained earnings to average equity (ytd only) | 10.6102% | 663 |
Net charge-offs to loans | 0.3280% | 1,902 |
Credit loss provision to net charge-offs | 83.3333% | 2,766 |
Earnings coverage of net charge-offs (x) | 10.0984% | 2,397 |
Efficiency ratio | 65.6000% | 4,562 |
Assets per employee ($millions) | 2.9091% | 5,993 |
Cash dividends to net income (ytd only)* | 11.4922% | 3,430 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3338% | 1,133 |
Loan loss allowance to noncurrent loans | 141.3052% | 2,665 |
Noncurrent assets plus other real estate owned to assets | 1.2177% | 3,210 |
Noncurrent loans to loans | 1.6516% | 2,706 |
Net loans and leases to total assets | 49.9546% | 5,141 |
Net loans and leases to deposits | 55.2242% | 5,440 |
Net loans and leases to core deposits | 59.5176% | 5,341 |
Total domestic deposits to total assets | 90.4578% | 757 |
Equity capital to assets | 9.0434% | 5,141 |
Core capital (leverage) ratio | 10.3599% | 3,156 |
Tier 1 risk-based capital ratio | 18.6246% | 2,107 |
Total risk-based capital ratio | 19.8855% | 2,072 |
Memoranda: | ||
Average total assets | $306,808,000 | 2,105 |
Average earning assets | $282,638,000 | 2,103 |
Average equity | $29,518,000 | 2,305 |
Average total loans | $160,996,000 | 2,421 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1477% | 3,549 |
Cost of funding earning assets | 0.2831% | 5,961 |
Net interest margin | 3.8646% | 2,326 |
Noninterest income to average assets | 1.4718% | 730 |
Noninterest expense to average assets | 3.3295% | 1,992 |
Loan and lease loss provision to assets | 0.1959% | 1,940 |
Net operating income to assets | 1.0645% | 2,058 |
Return on assets (ROA) | 1.1166% | 1,994 |
Pretax return on assets | 1.5867% | 1,405 |
Return on Equity (ROE) | 11.3766% | 1,694 |
Retained earnings to average equity (ytd only) | 10.4252% | 759 |
Net charge-offs to loans | 0.0765% | 3,619 |
Credit loss provision to net charge-offs | 483.8710% | 569 |
Earnings coverage of net charge-offs (x) | 42.1935% | 896 |
Efficiency ratio | 66.0920% | 4,533 |
Assets per employee ($millions) | 2.7738% | 6,191 |
Cash dividends to net income (ytd only)* | 8.3626% | 3,348 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5516% | 932 |
Loan loss allowance to noncurrent loans | 147.9213% | 2,540 |
Noncurrent assets plus other real estate owned to assets | 1.4599% | 2,916 |
Noncurrent loans to loans | 1.7249% | 2,729 |
Net loans and leases to total assets | 49.4310% | 5,169 |
Net loans and leases to deposits | 54.8967% | 5,445 |
Net loans and leases to core deposits | 59.9418% | 5,266 |
Total domestic deposits to total assets | 90.0436% | 1,000 |
Equity capital to assets | 9.3942% | 4,729 |
Core capital (leverage) ratio | 10.1941% | 3,243 |
Tier 1 risk-based capital ratio | 18.2866% | 2,215 |
Total risk-based capital ratio | 19.5494% | 2,178 |
Memoranda: | ||
Average total assets | $306,288,000 | 2,115 |
Average earning assets | $282,617,000 | 2,112 |
Average equity | $30,061,670 | 2,269 |
Average total loans | $162,086,330 | 2,411 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0335% | 3,985 |
Cost of funding earning assets | 0.2890% | 6,052 |
Net interest margin | 3.7445% | 2,679 |
Noninterest income to average assets | 1.3788% | 811 |
Noninterest expense to average assets | 3.2826% | 2,124 |
Loan and lease loss provision to assets | 0.2946% | 1,187 |
Net operating income to assets | 0.9013% | 2,651 |
Return on assets (ROA) | 0.9375% | 2,626 |
Pretax return on assets | 1.3133% | 2,181 |
Return on Equity (ROE) | 9.3502% | 2,331 |
Retained earnings to average equity (ytd only) | 8.8931% | 1,414 |
Net charge-offs to loans | 0.1309% | 2,619 |
Credit loss provision to net charge-offs | 416.6667% | 617 |
Earnings coverage of net charge-offs (x) | 22.0185% | 1,148 |
Efficiency ratio | 67.8301% | 4,337 |
Assets per employee ($millions) | 2.9512% | 6,068 |
Cash dividends to net income (ytd only)* | 4.8883% | 2,583 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4235% | 1,210 |
Loan loss allowance to noncurrent loans | 149.9426% | 2,380 |
Noncurrent assets plus other real estate owned to assets | 1.6448% | 2,803 |
Noncurrent loans to loans | 1.6163% | 3,115 |
Net loans and leases to total assets | 50.9071% | 4,860 |
Net loans and leases to deposits | 56.7350% | 5,169 |
Net loans and leases to core deposits | 62.0562% | 4,952 |
Total domestic deposits to total assets | 89.7279% | 1,206 |
Equity capital to assets | 9.9355% | 4,231 |
Core capital (leverage) ratio | 10.3368% | 2,987 |
Tier 1 risk-based capital ratio | 17.8027% | 2,446 |
Total risk-based capital ratio | 19.0652% | 2,401 |
Memoranda: | ||
Average total assets | $305,486,000 | 2,150 |
Average earning assets | $282,334,500 | 2,137 |
Average equity | $30,630,500 | 2,265 |
Average total loans | $165,040,000 | 2,380 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3882% | 3,858 |
Cost of funding earning assets | 0.4321% | 5,706 |
Net interest margin | 3.9561% | 2,580 |
Noninterest income to average assets | 1.1777% | 1,135 |
Noninterest expense to average assets | 3.2569% | 2,457 |
Loan and lease loss provision to assets | 1.1500% | 317 |
Net operating income to assets | 0.3267% | 5,372 |
Return on assets (ROA) | 0.6276% | 4,366 |
Pretax return on assets | 0.8623% | 4,061 |
Return on Equity (ROE) | 6.2576% | 4,039 |
Retained earnings to average equity (ytd only) | 5.3613% | 2,460 |
Net charge-offs to loans | 2.6341% | 225 |
Credit loss provision to net charge-offs | 74.4397% | 4,028 |
Earnings coverage of net charge-offs (x) | 1.0358% | 4,955 |
Efficiency ratio | 67.0551% | 4,318 |
Assets per employee ($millions) | 2.8676% | 6,214 |
Cash dividends to net income (ytd only)* | 14.3236% | 3,944 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2249% | 1,514 |
Loan loss allowance to noncurrent loans | 84.5252% | 3,784 |
Noncurrent assets plus other real estate owned to assets | 2.0249% | 2,419 |
Noncurrent loans to loans | 2.6322% | 2,010 |
Net loans and leases to total assets | 54.6889% | 4,515 |
Net loans and leases to deposits | 61.0442% | 4,908 |
Net loans and leases to core deposits | 64.1474% | 4,940 |
Total domestic deposits to total assets | 89.5890% | 1,198 |
Equity capital to assets | 10.1208% | 4,011 |
Core capital (leverage) ratio | 10.0228% | 3,366 |
Tier 1 risk-based capital ratio | 17.0456% | 2,630 |
Total risk-based capital ratio | 18.3062% | 2,591 |
Memoranda: | ||
Average total assets | $300,343,800 | 2,135 |
Average earning assets | $279,340,000 | 2,108 |
Average equity | $30,123,400 | 2,241 |
Average total loans | $176,148,800 | 2,249 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4716% | 3,746 |
Cost of funding earning assets | 0.4539% | 5,763 |
Net interest margin | 4.0177% | 2,435 |
Noninterest income to average assets | 1.1243% | 1,189 |
Noninterest expense to average assets | 3.2609% | 2,388 |
Loan and lease loss provision to assets | 1.4010% | 234 |
Net operating income to assets | 0.1570% | 6,017 |
Return on assets (ROA) | 0.4953% | 5,130 |
Pretax return on assets | 0.6667% | 4,963 |
Return on Equity (ROE) | 4.9495% | 4,839 |
Retained earnings to average equity (ytd only) | 4.9495% | 3,398 |
Net charge-offs to loans | 3.3759% | 142 |
Credit loss provision to net charge-offs | 69.9490% | 3,905 |
Earnings coverage of net charge-offs (x) | 0.8042% | 4,930 |
Efficiency ratio | 66.9372% | 4,258 |
Assets per employee ($millions) | 2.7126% | 6,474 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0704% | 1,980 |
Loan loss allowance to noncurrent loans | 67.5477% | 4,314 |
Noncurrent assets plus other real estate owned to assets | 2.4510% | 2,162 |
Noncurrent loans to loans | 3.0651% | 1,815 |
Net loans and leases to total assets | 57.2389% | 4,254 |
Net loans and leases to deposits | 64.0817% | 4,706 |
Net loans and leases to core deposits | 67.4850% | 4,779 |
Total domestic deposits to total assets | 89.3217% | 1,229 |
Equity capital to assets | 10.3292% | 4,044 |
Core capital (leverage) ratio | 9.8981% | 3,689 |
Tier 1 risk-based capital ratio | 16.3995% | 3,061 |
Total risk-based capital ratio | 17.6583% | 3,018 |
Memoranda: | ||
Average total assets | $300,156,250 | 2,156 |
Average earning assets | $279,955,250 | 2,124 |
Average equity | $30,036,000 | 2,267 |
Average total loans | $178,083,000 | 2,260 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5208% | 3,683 |
Cost of funding earning assets | 0.4644% | 5,876 |
Net interest margin | 4.0564% | 2,263 |
Noninterest income to average assets | 1.0409% | 1,347 |
Noninterest expense to average assets | 3.1964% | 2,602 |
Loan and lease loss provision to assets | 1.5031% | 240 |
Net operating income to assets | 0.1047% | 6,147 |
Return on assets (ROA) | 0.5921% | 4,664 |
Pretax return on assets | 0.8175% | 4,412 |
Return on Equity (ROE) | 5.9797% | 4,337 |
Retained earnings to average equity (ytd only) | 5.9797% | 2,728 |
Net charge-offs to loans | 0.0623% | 4,552 |
Credit loss provision to net charge-offs | 4,048.2143% | 68 |
Earnings coverage of net charge-offs (x) | 44.2679% | 811 |
Efficiency ratio | 66.0411% | 4,526 |
Assets per employee ($millions) | 2.6886% | 6,541 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0318% | 333 |
Loan loss allowance to noncurrent loans | 127.3894% | 2,573 |
Noncurrent assets plus other real estate owned to assets | 2.6757% | 2,064 |
Noncurrent loans to loans | 3.1649% | 1,842 |
Net loans and leases to total assets | 56.9807% | 4,330 |
Net loans and leases to deposits | 63.4951% | 4,827 |
Net loans and leases to core deposits | 66.6988% | 4,925 |
Total domestic deposits to total assets | 89.7403% | 1,081 |
Equity capital to assets | 10.0794% | 4,222 |
Core capital (leverage) ratio | 9.7140% | 3,811 |
Tier 1 risk-based capital ratio | 16.6685% | 2,822 |
Total risk-based capital ratio | 17.9531% | 2,756 |
Memoranda: | ||
Average total assets | $301,650,000 | 2,146 |
Average earning assets | $282,513,670 | 2,109 |
Average equity | $29,867,670 | 2,263 |
Average total loans | $179,837,670 | 2,235 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5665% | 3,648 |
Cost of funding earning assets | 0.4730% | 5,992 |
Net interest margin | 4.0936% | 2,119 |
Noninterest income to average assets | 1.0104% | 1,402 |
Noninterest expense to average assets | 3.2329% | 2,498 |
Loan and lease loss provision to assets | 1.0552% | 384 |
Net operating income to assets | 0.4010% | 5,253 |
Return on assets (ROA) | 0.7466% | 3,878 |
Pretax return on assets | 1.0446% | 3,521 |
Return on Equity (ROE) | 7.6071% | 3,445 |
Retained earnings to average equity (ytd only) | 7.6071% | 2,123 |
Net charge-offs to loans | 0.2473% | 2,691 |
Credit loss provision to net charge-offs | 714.2857% | 489 |
Earnings coverage of net charge-offs (x) | 10.9196% | 1,715 |
Efficiency ratio | 66.7120% | 4,422 |
Assets per employee ($millions) | 2.7581% | 6,566 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1112% | 748 |
Loan loss allowance to noncurrent loans | 109.6567% | 2,821 |
Noncurrent assets plus other real estate owned to assets | 2.5311% | 2,341 |
Noncurrent loans to loans | 2.8372% | 2,277 |
Net loans and leases to total assets | 57.1772% | 4,191 |
Net loans and leases to deposits | 63.5817% | 4,694 |
Net loans and leases to core deposits | 66.7582% | 4,825 |
Total domestic deposits to total assets | 89.9272% | 1,124 |
Equity capital to assets | 9.7746% | 4,418 |
Core capital (leverage) ratio | 9.6058% | 3,906 |
Tier 1 risk-based capital ratio | 16.0782% | 3,134 |
Total risk-based capital ratio | 17.3512% | 3,089 |
Memoranda: | ||
Average total assets | $303,259,500 | 2,149 |
Average earning assets | $284,154,000 | 2,102 |
Average equity | $29,761,500 | 2,276 |
Average total loans | $181,160,500 | 2,220 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8663% | 3,516 |
Cost of funding earning assets | 0.6906% | 5,603 |
Net interest margin | 4.1757% | 2,135 |
Noninterest income to average assets | 1.0522% | 1,210 |
Noninterest expense to average assets | 3.0752% | 3,289 |
Loan and lease loss provision to assets | 1.0435% | 899 |
Net operating income to assets | 0.6078% | 3,960 |
Return on assets (ROA) | 0.7200% | 3,559 |
Pretax return on assets | 0.9950% | 3,261 |
Return on Equity (ROE) | 7.5122% | 3,144 |
Retained earnings to average equity (ytd only) | 6.7255% | 1,629 |
Net charge-offs to loans | 0.8839% | 1,971 |
Credit loss provision to net charge-offs | 185.0746% | 1,398 |
Earnings coverage of net charge-offs (x) | 3.3391% | 3,552 |
Efficiency ratio | 62.0273% | 5,457 |
Assets per employee ($millions) | 2.7557% | 6,526 |
Cash dividends to net income (ytd only)* | 10.4722% | 3,850 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7156% | 1,065 |
Loan loss allowance to noncurrent loans | 182.8391% | 1,802 |
Noncurrent assets plus other real estate owned to assets | 1.8351% | 3,205 |
Noncurrent loans to loans | 1.4853% | 3,920 |
Net loans and leases to total assets | 58.8340% | 4,221 |
Net loans and leases to deposits | 65.4360% | 4,813 |
Net loans and leases to core deposits | 68.8778% | 4,921 |
Total domestic deposits to total assets | 89.9107% | 1,037 |
Equity capital to assets | 9.8539% | 4,366 |
Core capital (leverage) ratio | 9.4487% | 4,112 |
Tier 1 risk-based capital ratio | 15.5266% | 3,310 |
Total risk-based capital ratio | 16.7945% | 3,250 |
Memoranda: | ||
Average total assets | $297,082,800 | 2,157 |
Average earning assets | $277,870,000 | 2,114 |
Average equity | $28,473,800 | 2,298 |
Average total loans | $189,505,600 | 2,136 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9271% | 3,441 |
Cost of funding earning assets | 0.7220% | 5,644 |
Net interest margin | 4.2051% | 2,079 |
Noninterest income to average assets | 0.9811% | 1,388 |
Noninterest expense to average assets | 3.1404% | 3,026 |
Loan and lease loss provision to assets | 0.9001% | 991 |
Net operating income to assets | 0.6326% | 3,954 |
Return on assets (ROA) | 0.7457% | 3,569 |
Pretax return on assets | 1.0297% | 3,288 |
Return on Equity (ROE) | 7.8363% | 3,112 |
Retained earnings to average equity (ytd only) | 7.8363% | 1,572 |
Net charge-offs to loans | 0.6030% | 2,444 |
Credit loss provision to net charge-offs | 230.9469% | 1,233 |
Earnings coverage of net charge-offs (x) | 4.5485% | 3,030 |
Efficiency ratio | 63.9187% | 5,087 |
Assets per employee ($millions) | 2.7702% | 6,539 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4910% | 1,409 |
Loan loss allowance to noncurrent loans | 152.5970% | 2,000 |
Noncurrent assets plus other real estate owned to assets | 1.8063% | 3,384 |
Noncurrent loans to loans | 1.6324% | 3,849 |
Net loans and leases to total assets | 60.7348% | 4,000 |
Net loans and leases to deposits | 67.9436% | 4,624 |
Net loans and leases to core deposits | 71.4853% | 4,773 |
Total domestic deposits to total assets | 89.3900% | 1,198 |
Equity capital to assets | 10.0875% | 4,222 |
Core capital (leverage) ratio | 9.3334% | 4,408 |
Tier 1 risk-based capital ratio | 15.1953% | 3,549 |
Total risk-based capital ratio | 16.4605% | 3,503 |
Memoranda: | ||
Average total assets | $296,261,250 | 2,163 |
Average earning assets | $277,019,250 | 2,127 |
Average equity | $28,192,750 | 2,318 |
Average total loans | $191,469,000 | 2,137 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9085% | 3,581 |
Cost of funding earning assets | 0.7477% | 5,686 |
Net interest margin | 4.1608% | 2,183 |
Noninterest income to average assets | 0.8622% | 1,764 |
Noninterest expense to average assets | 3.0811% | 3,327 |
Loan and lease loss provision to assets | 0.9482% | 931 |
Net operating income to assets | 0.5346% | 4,354 |
Return on assets (ROA) | 0.6394% | 3,988 |
Pretax return on assets | 0.8642% | 3,783 |
Return on Equity (ROE) | 6.8579% | 3,510 |
Retained earnings to average equity (ytd only) | 6.8579% | 1,945 |
Net charge-offs to loans | 0.7713% | 1,959 |
Credit loss provision to net charge-offs | 187.9195% | 1,609 |
Earnings coverage of net charge-offs (x) | 3.3114% | 3,216 |
Efficiency ratio | 64.8375% | 5,087 |
Assets per employee ($millions) | 2.7297% | 6,596 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2148% | 1,888 |
Loan loss allowance to noncurrent loans | 191.5785% | 1,585 |
Noncurrent assets plus other real estate owned to assets | 1.6273% | 3,748 |
Noncurrent loans to loans | 1.1561% | 4,731 |
Net loans and leases to total assets | 61.7727% | 3,933 |
Net loans and leases to deposits | 68.6165% | 4,614 |
Net loans and leases to core deposits | 72.1077% | 4,805 |
Total domestic deposits to total assets | 90.0259% | 964 |
Equity capital to assets | 9.5331% | 4,762 |
Core capital (leverage) ratio | 9.0910% | 4,587 |
Tier 1 risk-based capital ratio | 14.2747% | 3,957 |
Total risk-based capital ratio | 15.5367% | 3,925 |
Memoranda: | ||
Average total assets | $295,288,000 | 2,176 |
Average earning assets | $276,051,330 | 2,136 |
Average equity | $27,530,330 | 2,346 |
Average total loans | $193,175,670 | 2,155 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8593% | 3,777 |
Cost of funding earning assets | 0.7527% | 5,839 |
Net interest margin | 4.1066% | 2,245 |
Noninterest income to average assets | 0.8635% | 1,801 |
Noninterest expense to average assets | 3.0555% | 3,438 |
Loan and lease loss provision to assets | 1.0878% | 671 |
Net operating income to assets | 0.4433% | 4,752 |
Return on assets (ROA) | 0.4433% | 4,833 |
Pretax return on assets | 0.5630% | 4,821 |
Return on Equity (ROE) | 4.8095% | 4,497 |
Retained earnings to average equity (ytd only) | 4.8095% | 3,297 |
Net charge-offs to loans | 0.1022% | 3,935 |
Credit loss provision to net charge-offs | 1,600.0000% | 242 |
Earnings coverage of net charge-offs (x) | 24.2800% | 989 |
Efficiency ratio | 64.9234% | 5,198 |
Assets per employee ($millions) | 2.7694% | 6,585 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1791% | 2,014 |
Loan loss allowance to noncurrent loans | 125.6789% | 2,329 |
Noncurrent assets plus other real estate owned to assets | 1.7252% | 3,666 |
Noncurrent loans to loans | 1.7339% | 3,906 |
Net loans and leases to total assets | 63.9062% | 3,448 |
Net loans and leases to deposits | 70.5666% | 4,262 |
Net loans and leases to core deposits | 73.8079% | 4,552 |
Total domestic deposits to total assets | 90.5616% | 815 |
Equity capital to assets | 9.1332% | 4,980 |
Core capital (leverage) ratio | 8.8242% | 4,891 |
Tier 1 risk-based capital ratio | 13.4775% | 4,435 |
Total risk-based capital ratio | 14.7405% | 4,402 |
Memoranda: | ||
Average total assets | $294,161,500 | 2,198 |
Average earning assets | $275,264,500 | 2,158 |
Average equity | $27,113,000 | 2,367 |
Average total loans | $195,782,500 | 2,147 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9633% | 4,731 |
Cost of funding earning assets | 1.1016% | 5,129 |
Net interest margin | 3.8617% | 3,681 |
Noninterest income to average assets | 0.9540% | 1,658 |
Noninterest expense to average assets | 2.9603% | 3,998 |
Loan and lease loss provision to assets | 1.4365% | 1,039 |
Net operating income to assets | 0.1630% | 5,396 |
Return on assets (ROA) | 0.2662% | 5,217 |
Pretax return on assets | 0.2631% | 5,330 |
Return on Equity (ROE) | 2.8773% | 5,003 |
Retained earnings to average equity (ytd only) | 2.6753% | 3,982 |
Net charge-offs to loans | 2.2845% | 847 |
Credit loss provision to net charge-offs | 97.9467% | 4,728 |
Earnings coverage of net charge-offs (x) | 1.0885% | 5,025 |
Efficiency ratio | 64.9651% | 5,171 |
Assets per employee ($millions) | 2.6056% | 6,849 |
Cash dividends to net income (ytd only)* | 7.0221% | 3,829 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7883% | 2,901 |
Loan loss allowance to noncurrent loans | 115.0541% | 2,528 |
Noncurrent assets plus other real estate owned to assets | 1.5085% | 4,054 |
Noncurrent loans to loans | 1.5543% | 4,170 |
Net loans and leases to total assets | 66.6113% | 3,329 |
Net loans and leases to deposits | 73.6480% | 4,252 |
Net loans and leases to core deposits | 77.1691% | 4,569 |
Total domestic deposits to total assets | 90.4456% | 863 |
Equity capital to assets | 9.3038% | 4,684 |
Core capital (leverage) ratio | 9.0603% | 4,438 |
Tier 1 risk-based capital ratio | 13.4963% | 4,207 |
Total risk-based capital ratio | 14.7532% | 4,174 |
Memoranda: | ||
Average total assets | $288,889,200 | 2,221 |
Average earning assets | $269,518,400 | 2,183 |
Average equity | $26,726,000 | 2,394 |
Average total loans | $185,466,800 | 2,294 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9095% | 5,218 |
Cost of funding earning assets | 1.1552% | 5,117 |
Net interest margin | 3.7543% | 4,176 |
Noninterest income to average assets | 1.1214% | 1,113 |
Noninterest expense to average assets | 3.0848% | 3,400 |
Loan and lease loss provision to assets | 1.3850% | 977 |
Net operating income to assets | 0.1874% | 5,544 |
Return on assets (ROA) | 0.2442% | 5,528 |
Pretax return on assets | 0.2087% | 5,710 |
Return on Equity (ROE) | 2.6436% | 5,369 |
Retained earnings to average equity (ytd only) | 2.3737% | 4,748 |
Net charge-offs to loans | 2.4333% | 703 |
Credit loss provision to net charge-offs | 89.9281% | 4,770 |
Earnings coverage of net charge-offs (x) | 0.9979% | 5,064 |
Efficiency ratio | 66.7466% | 4,705 |
Assets per employee ($millions) | 2.6035% | 6,932 |
Cash dividends to net income (ytd only)* | 10.2081% | 3,318 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7475% | 3,003 |
Loan loss allowance to noncurrent loans | 90.4022% | 3,039 |
Noncurrent assets plus other real estate owned to assets | 1.8507% | 3,680 |
Noncurrent loans to loans | 1.9330% | 3,768 |
Net loans and leases to total assets | 63.9840% | 4,133 |
Net loans and leases to deposits | 71.3468% | 4,935 |
Net loans and leases to core deposits | 74.6462% | 5,209 |
Total domestic deposits to total assets | 89.6803% | 1,026 |
Equity capital to assets | 9.6737% | 4,579 |
Core capital (leverage) ratio | 8.9124% | 4,829 |
Tier 1 risk-based capital ratio | 13.7097% | 4,047 |
Total risk-based capital ratio | 14.9657% | 4,000 |
Memoranda: | ||
Average total assets | $288,804,750 | 2,251 |
Average earning assets | $269,268,500 | 2,218 |
Average equity | $26,680,250 | 2,442 |
Average total loans | $182,792,000 | 2,361 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8730% | 5,515 |
Cost of funding earning assets | 1.1951% | 5,156 |
Net interest margin | 3.6780% | 4,462 |
Noninterest income to average assets | 1.1298% | 1,029 |
Noninterest expense to average assets | 3.0013% | 3,705 |
Loan and lease loss provision to assets | 1.4502% | 918 |
Net operating income to assets | 0.1554% | 5,702 |
Return on assets (ROA) | 0.2362% | 5,573 |
Pretax return on assets | 0.1851% | 5,803 |
Return on Equity (ROE) | 2.5969% | 5,416 |
Retained earnings to average equity (ytd only) | 2.1869% | 4,755 |
Net charge-offs to loans | 1.1886% | 1,599 |
Credit loss provision to net charge-offs | 194.6247% | 2,027 |
Earnings coverage of net charge-offs (x) | 2.0862% | 3,987 |
Efficiency ratio | 65.8784% | 5,002 |
Assets per employee ($millions) | 2.5575% | 7,029 |
Cash dividends to net income (ytd only)* | 15.7895% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5440% | 1,245 |
Loan loss allowance to noncurrent loans | 72.1294% | 3,749 |
Noncurrent assets plus other real estate owned to assets | 2.9153% | 2,467 |
Noncurrent loans to loans | 3.5270% | 2,239 |
Net loans and leases to total assets | 62.3040% | 4,624 |
Net loans and leases to deposits | 69.1183% | 5,403 |
Net loans and leases to core deposits | 73.4807% | 5,500 |
Total domestic deposits to total assets | 90.1410% | 847 |
Equity capital to assets | 9.4035% | 4,859 |
Core capital (leverage) ratio | 8.8700% | 4,801 |
Tier 1 risk-based capital ratio | 13.6969% | 3,944 |
Total risk-based capital ratio | 14.9621% | 3,896 |
Memoranda: | ||
Average total assets | $289,611,670 | 2,270 |
Average earning assets | $269,769,670 | 2,231 |
Average equity | $26,339,000 | 2,467 |
Average total loans | $181,556,330 | 2,408 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8829% | 5,546 |
Cost of funding earning assets | 1.2508% | 5,109 |
Net interest margin | 3.6321% | 4,569 |
Noninterest income to average assets | 1.1092% | 1,026 |
Noninterest expense to average assets | 2.8994% | 4,065 |
Loan and lease loss provision to assets | 1.4360% | 824 |
Net operating income to assets | 0.2120% | 5,637 |
Return on assets (ROA) | 0.2612% | 5,571 |
Pretax return on assets | 0.2106% | 5,849 |
Return on Equity (ROE) | 2.9204% | 5,372 |
Retained earnings to average equity (ytd only) | 2.0947% | 4,878 |
Net charge-offs to loans | 0.9538% | 1,704 |
Credit loss provision to net charge-offs | 242.4942% | 1,583 |
Earnings coverage of net charge-offs (x) | 2.6975% | 3,189 |
Efficiency ratio | 64.4769% | 5,396 |
Assets per employee ($millions) | 2.6932% | 6,874 |
Cash dividends to net income (ytd only)* | 28.2723% | 2,058 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3074% | 1,567 |
Loan loss allowance to noncurrent loans | 65.4749% | 4,088 |
Noncurrent assets plus other real estate owned to assets | 2.6225% | 2,777 |
Noncurrent loans to loans | 3.5241% | 2,262 |
Net loans and leases to total assets | 61.3104% | 4,895 |
Net loans and leases to deposits | 67.6596% | 5,633 |
Net loans and leases to core deposits | 72.5424% | 5,652 |
Total domestic deposits to total assets | 90.6160% | 686 |
Equity capital to assets | 9.0492% | 5,210 |
Core capital (leverage) ratio | 8.6906% | 5,037 |
Tier 1 risk-based capital ratio | 13.6003% | 3,927 |
Total risk-based capital ratio | 14.8630% | 3,880 |
Memoranda: | ||
Average total assets | $292,475,500 | 2,297 |
Average earning assets | $272,790,000 | 2,265 |
Average equity | $26,161,000 | 2,505 |
Average total loans | $181,590,500 | 2,470 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3801% | 4,785 |
Cost of funding earning assets | 1.5294% | 5,380 |
Net interest margin | 3.8507% | 3,481 |
Noninterest income to average assets | 1.3627% | 792 |
Noninterest expense to average assets | 3.3221% | 2,941 |
Loan and lease loss provision to assets | 1.8982% | 1,175 |
Net operating income to assets | -0.2161% | 5,857 |
Return on assets (ROA) | 0.1898% | 5,003 |
Pretax return on assets | 0.0748% | 5,268 |
Return on Equity (ROE) | 1.9532% | 4,928 |
Retained earnings to average equity (ytd only) | 0.5334% | 4,609 |
Net charge-offs to loans | 2.2738% | 1,030 |
Credit loss provision to net charge-offs | 127.8269% | 4,044 |
Earnings coverage of net charge-offs (x) | 1.0553% | 5,059 |
Efficiency ratio | 67.9483% | 5,015 |
Assets per employee ($millions) | 2.7230% | 6,809 |
Cash dividends to net income (ytd only)* | 72.6923% | 1,451 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9902% | 2,056 |
Loan loss allowance to noncurrent loans | 61.3272% | 4,341 |
Noncurrent assets plus other real estate owned to assets | 2.5272% | 2,769 |
Noncurrent loans to loans | 3.2452% | 2,353 |
Net loans and leases to total assets | 60.2013% | 5,306 |
Net loans and leases to deposits | 66.2512% | 6,017 |
Net loans and leases to core deposits | 80.5345% | 6,037 |
Total domestic deposits to total assets | 90.8683% | 584 |
Equity capital to assets | 8.8413% | 5,366 |
Core capital (leverage) ratio | 8.8579% | 4,666 |
Tier 1 risk-based capital ratio | 13.9540% | 3,529 |
Total risk-based capital ratio | 15.2139% | 3,477 |
Memoranda: | ||
Average total assets | $273,950,000 | 2,389 |
Average earning assets | $250,887,600 | 2,393 |
Average equity | $26,623,600 | 2,481 |
Average total loans | $178,904,200 | 2,529 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4873% | 4,484 |
Cost of funding earning assets | 1.5783% | 5,500 |
Net interest margin | 3.9090% | 3,209 |
Noninterest income to average assets | 1.3416% | 853 |
Noninterest expense to average assets | 3.5510% | 2,143 |
Loan and lease loss provision to assets | 1.2395% | 1,564 |
Net operating income to assets | 0.1069% | 5,443 |
Return on assets (ROA) | 0.4760% | 4,189 |
Pretax return on assets | 0.5062% | 4,505 |
Return on Equity (ROE) | 4.7797% | 4,056 |
Retained earnings to average equity (ytd only) | 3.1666% | 3,544 |
Net charge-offs to loans | 1.3888% | 1,484 |
Credit loss provision to net charge-offs | 134.4809% | 3,700 |
Earnings coverage of net charge-offs (x) | 1.4680% | 4,688 |
Efficiency ratio | 72.4093% | 4,172 |
Assets per employee ($millions) | 2.5624% | 7,124 |
Cash dividends to net income (ytd only)* | 33.7500% | 2,725 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7078% | 2,597 |
Loan loss allowance to noncurrent loans | 38.7109% | 5,782 |
Noncurrent assets plus other real estate owned to assets | 3.6237% | 1,818 |
Noncurrent loans to loans | 4.4116% | 1,597 |
Net loans and leases to total assets | 63.9856% | 4,875 |
Net loans and leases to deposits | 71.6301% | 5,711 |
Net loans and leases to core deposits | 86.2196% | 5,842 |
Total domestic deposits to total assets | 89.3278% | 1,047 |
Equity capital to assets | 9.7670% | 4,398 |
Core capital (leverage) ratio | 9.3455% | 4,122 |
Tier 1 risk-based capital ratio | 14.0488% | 3,520 |
Total risk-based capital ratio | 15.3057% | 3,464 |
Memoranda: | ||
Average total assets | $268,916,250 | 2,442 |
Average earning assets | $245,069,250 | 2,467 |
Average equity | $26,779,250 | 2,487 |
Average total loans | $178,470,750 | 2,560 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6011% | 4,073 |
Cost of funding earning assets | 1.5703% | 5,839 |
Net interest margin | 4.0307% | 2,576 |
Noninterest income to average assets | 1.3418% | 848 |
Noninterest expense to average assets | 3.3723% | 2,714 |
Loan and lease loss provision to assets | 1.4315% | 1,217 |
Net operating income to assets | 0.2117% | 5,224 |
Return on assets (ROA) | 0.3805% | 4,686 |
Pretax return on assets | 0.3541% | 5,060 |
Return on Equity (ROE) | 3.7952% | 4,580 |
Retained earnings to average equity (ytd only) | 2.1719% | 4,139 |
Net charge-offs to loans | 1.6814% | 1,129 |
Credit loss provision to net charge-offs | 127.4313% | 3,654 |
Earnings coverage of net charge-offs (x) | 1.4393% | 4,450 |
Efficiency ratio | 67.5929% | 5,230 |
Assets per employee ($millions) | 2.4198% | 7,397 |
Cash dividends to net income (ytd only)* | 42.7723% | 2,315 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6042% | 2,719 |
Loan loss allowance to noncurrent loans | 43.8005% | 5,449 |
Noncurrent assets plus other real estate owned to assets | 3.2005% | 1,956 |
Noncurrent loans to loans | 3.6626% | 1,898 |
Net loans and leases to total assets | 63.8563% | 5,014 |
Net loans and leases to deposits | 71.2116% | 5,848 |
Net loans and leases to core deposits | 86.4335% | 5,857 |
Total domestic deposits to total assets | 89.6712% | 970 |
Equity capital to assets | 9.6781% | 4,384 |
Core capital (leverage) ratio | 9.4882% | 3,905 |
Tier 1 risk-based capital ratio | 14.4225% | 3,293 |
Total risk-based capital ratio | 15.7794% | 3,167 |
Memoranda: | ||
Average total assets | $265,456,000 | 2,484 |
Average earning assets | $240,204,670 | 2,520 |
Average equity | $26,612,670 | 2,512 |
Average total loans | $177,356,000 | 2,612 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5383% | 4,706 |
Cost of funding earning assets | 1.5212% | 6,341 |
Net interest margin | 4.0171% | 2,579 |
Noninterest income to average assets | 1.3556% | 779 |
Noninterest expense to average assets | 3.2860% | 2,700 |
Loan and lease loss provision to assets | 1.2296% | 1,055 |
Net operating income to assets | 0.5010% | 4,416 |
Return on assets (ROA) | 0.5010% | 4,606 |
Pretax return on assets | 0.5333% | 4,966 |
Return on Equity (ROE) | 4.9078% | 4,510 |
Retained earnings to average equity (ytd only) | 3.2819% | 4,050 |
Net charge-offs to loans | 0.1790% | 3,566 |
Credit loss provision to net charge-offs | 1,012.6582% | 606 |
Earnings coverage of net charge-offs (x) | 14.5190% | 1,664 |
Efficiency ratio | 65.0837% | 5,495 |
Assets per employee ($millions) | 2.2790% | 7,620 |
Cash dividends to net income (ytd only)* | 33.1288% | 2,241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7377% | 2,015 |
Loan loss allowance to noncurrent loans | 40.3038% | 5,853 |
Noncurrent assets plus other real estate owned to assets | 3.7527% | 1,409 |
Noncurrent loans to loans | 4.3115% | 1,360 |
Net loans and leases to total assets | 68.1052% | 4,112 |
Net loans and leases to deposits | 76.0998% | 5,210 |
Net loans and leases to core deposits | 91.1927% | 5,445 |
Total domestic deposits to total assets | 89.4946% | 1,013 |
Equity capital to assets | 10.0988% | 3,883 |
Core capital (leverage) ratio | 9.8919% | 3,527 |
Tier 1 risk-based capital ratio | 15.1193% | 3,005 |
Total risk-based capital ratio | 16.4541% | 2,929 |
Memoranda: | ||
Average total assets | $260,254,000 | 2,546 |
Average earning assets | $239,278,500 | 2,540 |
Average equity | $26,570,000 | 2,522 |
Average total loans | $176,521,000 | 2,635 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7595% | 6,561 |
Cost of funding earning assets | 1.6258% | 7,393 |
Net interest margin | 4.1336% | 2,569 |
Noninterest income to average assets | 1.3443% | 796 |
Noninterest expense to average assets | 3.2781% | 3,045 |
Loan and lease loss provision to assets | 3.0764% | 295 |
Net operating income to assets | -0.6183% | 7,017 |
Return on assets (ROA) | -1.3130% | 7,337 |
Pretax return on assets | -2.2723% | 7,527 |
Return on Equity (ROE) | -11.7860% | 7,413 |
Retained earnings to average equity (ytd only) | -15.1207% | 7,466 |
Net charge-offs to loans | 4.2109% | 148 |
Credit loss provision to net charge-offs | 105.4796% | 5,079 |
Earnings coverage of net charge-offs (x) | 0.6479% | 5,836 |
Efficiency ratio | 63.4342% | 5,685 |
Assets per employee ($millions) | 2.1707% | 7,752 |
Cash dividends to net income (ytd only)* | -28.2935% | 7,987 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4505% | 2,922 |
Loan loss allowance to noncurrent loans | 38.4423% | 6,156 |
Noncurrent assets plus other real estate owned to assets | 3.1573% | 1,449 |
Noncurrent loans to loans | 3.7731% | 1,320 |
Net loans and leases to total assets | 65.3341% | 4,983 |
Net loans and leases to deposits | 73.3491% | 5,910 |
Net loans and leases to core deposits | 85.9984% | 6,133 |
Total domestic deposits to total assets | 89.0727% | 1,016 |
Equity capital to assets | 10.3233% | 3,689 |
Core capital (leverage) ratio | 10.1975% | 3,271 |
Tier 1 risk-based capital ratio | 14.6343% | 3,237 |
Total risk-based capital ratio | 16.0267% | 3,085 |
Memoranda: | ||
Average total assets | $258,415,400 | 2,477 |
Average earning assets | $239,015,400 | 2,462 |
Average equity | $28,788,400 | 2,351 |
Average total loans | $178,988,200 | 2,511 |