Home > Magnolia State Bank > Performance and Condition Ratios
Magnolia State Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2963% | 822 |
Cost of funding earning assets | 0.4656% | 4,303 |
Net interest margin | 5.8307% | 107 |
Noninterest income to average assets | 0.5000% | 1,747 |
Noninterest expense to average assets | 3.7197% | 470 |
Loan and lease loss provision to assets | 0.0000% | 2,722 |
Net operating income to assets | 2.1118% | 380 |
Return on assets (ROA) | 2.1118% | 387 |
Pretax return on assets | 2.1118% | 574 |
Return on Equity (ROE) | 14.7600% | 1,122 |
Retained earnings to average equity (ytd only) | 14.7591% | 458 |
Net charge-offs to loans | -0.0349% | 4,227 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 63.7864% | 2,499 |
Assets per employee ($millions) | 4.0649% | 4,071 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1377% | 320 |
Loan loss allowance to noncurrent loans | 416.6983% | 1,312 |
Noncurrent assets plus other real estate owned to assets | 0.4351% | 1,627 |
Noncurrent loans to loans | 0.5130% | 1,839 |
Net loans and leases to total assets | 51.5200% | 3,492 |
Net loans and leases to deposits | 60.8802% | 3,453 |
Net loans and leases to core deposits | 61.9173% | 3,621 |
Total domestic deposits to total assets | 84.6300% | 2,729 |
Equity capital to assets | 14.6396% | 609 |
Core capital (leverage) ratio | 14.8101% | 628 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,736 |
Memoranda: | ||
Average total assets | $195,284,500 | 3,040 |
Average earning assets | $178,708,000 | 3,052 |
Average equity | $27,942,000 | 2,537 |
Average total loans | $103,013,000 | 3,190 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5234% | 679 |
Cost of funding earning assets | 0.4834% | 4,318 |
Net interest margin | 6.0400% | 107 |
Noninterest income to average assets | 0.3700% | 2,639 |
Noninterest expense to average assets | 3.3284% | 727 |
Loan and lease loss provision to assets | -0.0900% | 4,358 |
Net operating income to assets | 2.7239% | 181 |
Return on assets (ROA) | 2.7239% | 184 |
Pretax return on assets | 2.7239% | 239 |
Return on Equity (ROE) | 20.2200% | 390 |
Retained earnings to average equity (ytd only) | 6.6872% | 1,555 |
Net charge-offs to loans | -0.2251% | 4,489 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 55.7799% | 3,576 |
Assets per employee ($millions) | 4.2490% | 4,015 |
Cash dividends to net income (ytd only)* | 66.9215% | 925 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1181% | 307 |
Loan loss allowance to noncurrent loans | 372.1088% | 1,466 |
Noncurrent assets plus other real estate owned to assets | 0.4656% | 1,517 |
Noncurrent loans to loans | 0.5692% | 1,658 |
Net loans and leases to total assets | 51.7300% | 3,538 |
Net loans and leases to deposits | 60.7296% | 3,500 |
Net loans and leases to core deposits | 61.7608% | 3,688 |
Total domestic deposits to total assets | 85.1800% | 2,470 |
Equity capital to assets | 13.9777% | 683 |
Core capital (leverage) ratio | 13.7761% | 836 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,791 |
Memoranda: | ||
Average total assets | $201,657,600 | 2,991 |
Average earning assets | $187,002,400 | 2,987 |
Average equity | $27,171,200 | 2,509 |
Average total loans | $95,938,800 | 3,246 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3946% | 792 |
Cost of funding earning assets | 0.4787% | 4,345 |
Net interest margin | 5.9159% | 122 |
Noninterest income to average assets | 0.3700% | 2,610 |
Noninterest expense to average assets | 3.1212% | 943 |
Loan and lease loss provision to assets | -0.1100% | 4,404 |
Net operating income to assets | 2.8390% | 162 |
Return on assets (ROA) | 2.8390% | 165 |
Pretax return on assets | 2.8390% | 230 |
Return on Equity (ROE) | 21.2600% | 349 |
Retained earnings to average equity (ytd only) | 16.9770% | 169 |
Net charge-offs to loans | -0.3514% | 4,526 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 53.3775% | 3,779 |
Assets per employee ($millions) | 4.1441% | 4,071 |
Cash dividends to net income (ytd only)* | 20.1525% | 2,541 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1523% | 315 |
Loan loss allowance to noncurrent loans | 155.6101% | 2,528 |
Noncurrent assets plus other real estate owned to assets | 0.9708% | 684 |
Noncurrent loans to loans | 1.3832% | 714 |
Net loans and leases to total assets | 50.7100% | 3,603 |
Net loans and leases to deposits | 60.0867% | 3,586 |
Net loans and leases to core deposits | 60.7954% | 3,757 |
Total domestic deposits to total assets | 84.4000% | 2,483 |
Equity capital to assets | 14.7504% | 606 |
Core capital (leverage) ratio | 14.5476% | 701 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,827 |
Memoranda: | ||
Average total assets | $203,208,500 | 2,970 |
Average earning assets | $188,300,250 | 2,964 |
Average equity | $27,134,000 | 2,510 |
Average total loans | $94,098,250 | 3,273 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3217% | 793 |
Cost of funding earning assets | 0.4678% | 4,359 |
Net interest margin | 5.8539% | 134 |
Noninterest income to average assets | 0.3700% | 2,567 |
Noninterest expense to average assets | 3.0366% | 1,056 |
Loan and lease loss provision to assets | -0.1700% | 4,456 |
Net operating income to assets | 2.9447% | 156 |
Return on assets (ROA) | 2.9447% | 160 |
Pretax return on assets | 2.9447% | 211 |
Return on Equity (ROE) | 22.8300% | 303 |
Retained earnings to average equity (ytd only) | 16.2207% | 234 |
Net charge-offs to loans | -0.5598% | 4,556 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 52.2360% | 3,878 |
Assets per employee ($millions) | 4.3010% | 4,010 |
Cash dividends to net income (ytd only)* | 28.9413% | 2,247 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3265% | 276 |
Loan loss allowance to noncurrent loans | 159.0000% | 2,585 |
Noncurrent assets plus other real estate owned to assets | 0.9656% | 631 |
Noncurrent loans to loans | 1.4632% | 596 |
Net loans and leases to total assets | 46.2300% | 3,821 |
Net loans and leases to deposits | 53.9930% | 3,813 |
Net loans and leases to core deposits | 54.5273% | 3,944 |
Total domestic deposits to total assets | 85.6300% | 2,101 |
Equity capital to assets | 13.5540% | 760 |
Core capital (leverage) ratio | 13.7842% | 860 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,851 |
Memoranda: | ||
Average total assets | $204,639,333 | 2,965 |
Average earning assets | $190,233,667 | 2,954 |
Average equity | $26,398,333 | 2,523 |
Average total loans | $91,098,333 | 3,306 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8164% | 1,291 |
Cost of funding earning assets | 0.4725% | 4,375 |
Net interest margin | 5.3439% | 223 |
Noninterest income to average assets | 0.3900% | 2,363 |
Noninterest expense to average assets | 2.9317% | 1,176 |
Loan and lease loss provision to assets | -0.1500% | 4,483 |
Net operating income to assets | 2.5781% | 227 |
Return on assets (ROA) | 2.5781% | 226 |
Pretax return on assets | 2.5781% | 317 |
Return on Equity (ROE) | 20.5000% | 410 |
Retained earnings to average equity (ytd only) | 20.4958% | 176 |
Net charge-offs to loans | -0.5675% | 4,577 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 54.6937% | 3,709 |
Assets per employee ($millions) | 4.4304% | 3,972 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4339% | 217 |
Loan loss allowance to noncurrent loans | 134.6437% | 2,850 |
Noncurrent assets plus other real estate owned to assets | 1.0697% | 529 |
Noncurrent loans to loans | 1.8076% | 387 |
Net loans and leases to total assets | 43.1200% | 3,922 |
Net loans and leases to deposits | 50.1023% | 3,915 |
Net loans and leases to core deposits | 50.8910% | 4,058 |
Total domestic deposits to total assets | 86.0600% | 2,078 |
Equity capital to assets | 13.0245% | 857 |
Core capital (leverage) ratio | 13.3052% | 956 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,874 |
Memoranda: | ||
Average total assets | $205,885,500 | 2,966 |
Average earning assets | $191,320,000 | 2,954 |
Average equity | $25,898,000 | 2,556 |
Average total loans | $88,806,500 | 3,336 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7576% | 877 |
Cost of funding earning assets | 0.2864% | 4,386 |
Net interest margin | 5.4712% | 190 |
Noninterest income to average assets | 0.3100% | 3,052 |
Noninterest expense to average assets | 3.0211% | 1,101 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 2.4917% | 241 |
Return on assets (ROA) | 2.4917% | 235 |
Pretax return on assets | 2.4917% | 344 |
Return on Equity (ROE) | 22.2100% | 448 |
Retained earnings to average equity (ytd only) | 14.3762% | 369 |
Net charge-offs to loans | -0.5985% | 4,602 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 54.8013% | 3,619 |
Assets per employee ($millions) | 4.6216% | 3,878 |
Cash dividends to net income (ytd only)* | 35.2830% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4489% | 203 |
Loan loss allowance to noncurrent loans | 134.8428% | 2,975 |
Noncurrent assets plus other real estate owned to assets | 1.0300% | 477 |
Noncurrent loans to loans | 1.8161% | 328 |
Net loans and leases to total assets | 41.0700% | 3,997 |
Net loans and leases to deposits | 47.2235% | 4,013 |
Net loans and leases to core deposits | 47.9373% | 4,123 |
Total domestic deposits to total assets | 86.9600% | 1,695 |
Equity capital to assets | 12.1421% | 1,085 |
Core capital (leverage) ratio | 12.1511% | 1,347 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $212,706,000 | 2,893 |
Average earning assets | $202,131,800 | 2,843 |
Average equity | $23,858,800 | 2,582 |
Average total loans | $92,234,200 | 3,258 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7834% | 706 |
Cost of funding earning assets | 0.2365% | 4,411 |
Net interest margin | 5.5468% | 174 |
Noninterest income to average assets | 0.3800% | 2,609 |
Noninterest expense to average assets | 2.9472% | 1,144 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 2.7216% | 213 |
Return on assets (ROA) | 2.7216% | 212 |
Pretax return on assets | 2.7216% | 304 |
Return on Equity (ROE) | 24.7600% | 394 |
Retained earnings to average equity (ytd only) | 24.7599% | 141 |
Net charge-offs to loans | -0.7737% | 4,632 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 51.9903% | 3,757 |
Assets per employee ($millions) | 4.8008% | 3,739 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4042% | 231 |
Loan loss allowance to noncurrent loans | 124.2865% | 3,014 |
Noncurrent assets plus other real estate owned to assets | 1.2206% | 365 |
Noncurrent loans to loans | 1.9344% | 324 |
Net loans and leases to total assets | 40.1000% | 4,054 |
Net loans and leases to deposits | 45.9618% | 4,050 |
Net loans and leases to core deposits | 46.6278% | 4,115 |
Total domestic deposits to total assets | 87.2400% | 1,817 |
Equity capital to assets | 11.9171% | 1,057 |
Core capital (leverage) ratio | 12.6757% | 1,168 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $213,889,750 | 2,892 |
Average earning assets | $204,074,750 | 2,851 |
Average equity | $23,510,500 | 2,596 |
Average total loans | $93,405,000 | 3,254 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1462% | 372 |
Cost of funding earning assets | 0.1757% | 4,452 |
Net interest margin | 5.9705% | 111 |
Noninterest income to average assets | 0.3900% | 2,505 |
Noninterest expense to average assets | 2.8887% | 1,232 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 3.1767% | 135 |
Return on assets (ROA) | 3.1767% | 133 |
Pretax return on assets | 3.1767% | 179 |
Return on Equity (ROE) | 29.7500% | 214 |
Retained earnings to average equity (ytd only) | 29.7465% | 79 |
Net charge-offs to loans | -1.1374% | 4,656 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 47.6257% | 4,085 |
Assets per employee ($millions) | 4.6659% | 3,846 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2870% | 271 |
Loan loss allowance to noncurrent loans | 296.5229% | 2,163 |
Noncurrent assets plus other real estate owned to assets | 0.8297% | 611 |
Noncurrent loans to loans | 0.7713% | 982 |
Net loans and leases to total assets | 43.3800% | 3,906 |
Net loans and leases to deposits | 49.6214% | 3,930 |
Net loans and leases to core deposits | 50.4444% | 4,003 |
Total domestic deposits to total assets | 87.4300% | 1,792 |
Equity capital to assets | 11.7295% | 1,122 |
Core capital (leverage) ratio | 12.5026% | 1,166 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $213,175,000 | 2,907 |
Average earning assets | $202,596,000 | 2,873 |
Average equity | $22,765,667 | 2,641 |
Average total loans | $94,953,333 | 3,234 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7978% | 1,622 |
Cost of funding earning assets | 0.1316% | 4,491 |
Net interest margin | 4.6662% | 470 |
Noninterest income to average assets | 0.3800% | 2,520 |
Noninterest expense to average assets | 2.9053% | 1,226 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.8978% | 576 |
Return on assets (ROA) | 1.8978% | 572 |
Pretax return on assets | 1.8978% | 912 |
Return on Equity (ROE) | 18.6700% | 934 |
Retained earnings to average equity (ytd only) | 18.6677% | 463 |
Net charge-offs to loans | -0.1044% | 4,515 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 60.4886% | 2,894 |
Assets per employee ($millions) | 4.6368% | 3,938 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7011% | 810 |
Loan loss allowance to noncurrent loans | 191.4692% | 2,706 |
Noncurrent assets plus other real estate owned to assets | 0.9834% | 422 |
Noncurrent loans to loans | 0.8884% | 849 |
Net loans and leases to total assets | 44.7500% | 3,832 |
Net loans and leases to deposits | 50.6701% | 3,860 |
Net loans and leases to core deposits | 51.3429% | 3,942 |
Total domestic deposits to total assets | 88.3200% | 1,805 |
Equity capital to assets | 10.8043% | 1,416 |
Core capital (leverage) ratio | 11.0630% | 1,802 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $214,779,500 | 2,944 |
Average earning assets | $203,592,000 | 2,911 |
Average equity | $21,834,500 | 2,734 |
Average total loans | $95,818,500 | 3,259 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8150% | 2,232 |
Cost of funding earning assets | 0.1169% | 4,302 |
Net interest margin | 3.6981% | 1,381 |
Noninterest income to average assets | 0.5100% | 2,035 |
Noninterest expense to average assets | 2.8292% | 1,260 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.1366% | 2,027 |
Return on assets (ROA) | 1.1366% | 1,973 |
Pretax return on assets | 1.1366% | 2,654 |
Return on Equity (ROE) | 11.4700% | 2,314 |
Retained earnings to average equity (ytd only) | 11.4681% | 788 |
Net charge-offs to loans | -0.2646% | 4,654 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 71.3392% | 1,521 |
Assets per employee ($millions) | 5.2596% | 3,459 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6463% | 889 |
Loan loss allowance to noncurrent loans | 188.7307% | 2,739 |
Noncurrent assets plus other real estate owned to assets | 0.9280% | 471 |
Noncurrent loans to loans | 0.8723% | 853 |
Net loans and leases to total assets | 43.0300% | 3,927 |
Net loans and leases to deposits | 48.0288% | 3,974 |
Net loans and leases to core deposits | 48.5474% | 4,038 |
Total domestic deposits to total assets | 89.5900% | 1,519 |
Equity capital to assets | 9.5631% | 1,961 |
Core capital (leverage) ratio | 10.1219% | 2,524 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $213,526,400 | 2,956 |
Average earning assets | $199,399,400 | 2,941 |
Average equity | $21,163,000 | 2,844 |
Average total loans | $94,875,000 | 3,220 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5228% | 2,539 |
Cost of funding earning assets | 0.1173% | 4,143 |
Net interest margin | 3.4055% | 1,960 |
Noninterest income to average assets | 0.5900% | 1,743 |
Noninterest expense to average assets | 2.7619% | 1,320 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.0128% | 2,434 |
Return on assets (ROA) | 1.0128% | 2,402 |
Pretax return on assets | 1.0128% | 2,981 |
Return on Equity (ROE) | 10.1300% | 2,683 |
Retained earnings to average equity (ytd only) | 10.1261% | 1,308 |
Net charge-offs to loans | -0.5069% | 4,733 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 73.1687% | 1,366 |
Assets per employee ($millions) | 4.4475% | 4,094 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7906% | 744 |
Loan loss allowance to noncurrent loans | 107.9416% | 3,308 |
Noncurrent assets plus other real estate owned to assets | 1.2536% | 310 |
Noncurrent loans to loans | 1.6588% | 401 |
Net loans and leases to total assets | 42.7600% | 3,953 |
Net loans and leases to deposits | 47.8653% | 3,959 |
Net loans and leases to core deposits | 48.3900% | 4,018 |
Total domestic deposits to total assets | 89.3400% | 1,943 |
Equity capital to assets | 9.7740% | 1,742 |
Core capital (leverage) ratio | 10.4842% | 2,124 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $211,682,500 | 2,989 |
Average earning assets | $197,830,750 | 2,974 |
Average equity | $21,172,500 | 2,881 |
Average total loans | $94,434,000 | 3,242 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0816% | 3,356 |
Cost of funding earning assets | 0.1229% | 3,931 |
Net interest margin | 2.9587% | 3,009 |
Noninterest income to average assets | 0.6088% | 1,701 |
Noninterest expense to average assets | 2.7557% | 1,259 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.6107% | 3,602 |
Return on assets (ROA) | 0.6107% | 3,546 |
Pretax return on assets | 0.6107% | 3,795 |
Return on Equity (ROE) | 6.0577% | 3,556 |
Retained earnings to average equity (ytd only) | 6.0577% | 2,318 |
Net charge-offs to loans | -0.1739% | 4,567 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.8594% | 813 |
Assets per employee ($millions) | 4.5264% | 4,055 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4971% | 1,412 |
Loan loss allowance to noncurrent loans | 54.7766% | 3,765 |
Noncurrent assets plus other real estate owned to assets | 1.7698% | 180 |
Noncurrent loans to loans | 2.7331% | 194 |
Net loans and leases to total assets | 43.9798% | 3,836 |
Net loans and leases to deposits | 49.3158% | 3,845 |
Net loans and leases to core deposits | 49.9941% | 3,935 |
Total domestic deposits to total assets | 89.1798% | 2,096 |
Equity capital to assets | 9.8773% | 1,786 |
Core capital (leverage) ratio | 10.1480% | 2,237 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $209,601,333 | 3,032 |
Average earning assets | $195,355,000 | 3,025 |
Average equity | $21,130,000 | 2,964 |
Average total loans | $94,283,000 | 3,269 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9023% | 3,530 |
Cost of funding earning assets | 0.1240% | 3,848 |
Net interest margin | 2.7783% | 3,206 |
Noninterest income to average assets | 0.5403% | 1,948 |
Noninterest expense to average assets | 2.7496% | 1,259 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.4615% | 3,808 |
Return on assets (ROA) | 0.4615% | 3,771 |
Pretax return on assets | 0.4615% | 3,930 |
Return on Equity (ROE) | 4.5308% | 3,750 |
Retained earnings to average equity (ytd only) | 4.5308% | 2,767 |
Net charge-offs to loans | -0.2683% | 4,642 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.6287% | 756 |
Assets per employee ($millions) | 4.6066% | 4,073 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5097% | 1,525 |
Loan loss allowance to noncurrent loans | 69.6278% | 3,663 |
Noncurrent assets plus other real estate owned to assets | 1.8485% | 167 |
Noncurrent loans to loans | 2.1683% | 316 |
Net loans and leases to total assets | 43.1931% | 3,800 |
Net loans and leases to deposits | 48.0041% | 3,864 |
Net loans and leases to core deposits | 48.6597% | 3,951 |
Total domestic deposits to total assets | 89.9779% | 1,574 |
Equity capital to assets | 9.9291% | 1,951 |
Core capital (leverage) ratio | 10.2122% | 2,097 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $208,031,500 | 3,055 |
Average earning assets | $199,980,000 | 3,006 |
Average equity | $21,188,500 | 3,043 |
Average total loans | $93,932,000 | 3,274 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0025% | 1,356 |
Cost of funding earning assets | 0.1697% | 3,777 |
Net interest margin | 3.8329% | 949 |
Noninterest income to average assets | 0.3635% | 3,255 |
Noninterest expense to average assets | 3.0574% | 903 |
Loan and lease loss provision to assets | -0.0757% | 4,470 |
Net operating income to assets | 0.9855% | 2,734 |
Return on assets (ROA) | 0.9855% | 2,801 |
Pretax return on assets | 0.9855% | 3,300 |
Return on Equity (ROE) | 9.2050% | 2,826 |
Retained earnings to average equity (ytd only) | 9.2050% | 1,137 |
Net charge-offs to loans | -0.2544% | 4,736 |
Credit loss provision to net charge-offs | 56.3910% | 2,090 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.0680% | 1,022 |
Assets per employee ($millions) | 4.6400% | 4,007 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4115% | 1,882 |
Loan loss allowance to noncurrent loans | 73.9923% | 3,654 |
Noncurrent assets plus other real estate owned to assets | 1.8534% | 186 |
Noncurrent loans to loans | 1.9076% | 416 |
Net loans and leases to total assets | 45.8432% | 3,705 |
Net loans and leases to deposits | 51.2566% | 3,784 |
Net loans and leases to core deposits | 51.9871% | 3,896 |
Total domestic deposits to total assets | 89.4387% | 1,275 |
Equity capital to assets | 10.4511% | 2,220 |
Core capital (leverage) ratio | 10.0110% | 2,361 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $198,077,200 | 3,080 |
Average earning assets | $186,231,800 | 3,054 |
Average equity | $21,205,800 | 3,121 |
Average total loans | $104,568,400 | 3,140 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2684% | 1,007 |
Cost of funding earning assets | 0.1814% | 3,803 |
Net interest margin | 4.0870% | 672 |
Noninterest income to average assets | 0.3039% | 3,616 |
Noninterest expense to average assets | 3.0830% | 844 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.0406% | 2,767 |
Return on assets (ROA) | 1.0406% | 2,831 |
Pretax return on assets | 1.0406% | 3,348 |
Return on Equity (ROE) | 9.6599% | 2,858 |
Retained earnings to average equity (ytd only) | 9.6599% | 1,424 |
Net charge-offs to loans | -0.3465% | 4,818 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.7656% | 1,151 |
Assets per employee ($millions) | 4.2489% | 4,301 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4772% | 1,719 |
Loan loss allowance to noncurrent loans | 53.8710% | 3,905 |
Noncurrent assets plus other real estate owned to assets | 2.3835% | 133 |
Noncurrent loans to loans | 2.7422% | 254 |
Net loans and leases to total assets | 49.1508% | 3,510 |
Net loans and leases to deposits | 55.1705% | 3,642 |
Net loans and leases to core deposits | 55.9587% | 3,772 |
Total domestic deposits to total assets | 89.0888% | 1,231 |
Equity capital to assets | 10.7896% | 2,175 |
Core capital (leverage) ratio | 10.6450% | 1,942 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $196,556,250 | 3,128 |
Average earning assets | $183,702,000 | 3,109 |
Average equity | $21,173,000 | 3,153 |
Average total loans | $106,977,000 | 3,155 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0213% | 1,522 |
Cost of funding earning assets | 0.1916% | 3,834 |
Net interest margin | 3.8296% | 1,093 |
Noninterest income to average assets | 0.2937% | 3,665 |
Noninterest expense to average assets | 3.0583% | 899 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.7976% | 3,523 |
Return on assets (ROA) | 0.7976% | 3,592 |
Pretax return on assets | 0.7976% | 3,870 |
Return on Equity (ROE) | 7.4082% | 3,551 |
Retained earnings to average equity (ytd only) | 7.4082% | 2,285 |
Net charge-offs to loans | 0.1490% | 551 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | 9.5556% | 1,826 |
Efficiency ratio | 79.3159% | 827 |
Assets per employee ($millions) | 4.2146% | 4,319 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0720% | 3,535 |
Loan loss allowance to noncurrent loans | 40.9302% | 4,057 |
Noncurrent assets plus other real estate owned to assets | 2.4848% | 140 |
Noncurrent loans to loans | 2.6191% | 304 |
Net loans and leases to total assets | 53.2976% | 3,224 |
Net loans and leases to deposits | 59.7862% | 3,407 |
Net loans and leases to core deposits | 60.8604% | 3,553 |
Total domestic deposits to total assets | 89.1470% | 1,201 |
Equity capital to assets | 10.7227% | 2,213 |
Core capital (leverage) ratio | 10.5162% | 1,944 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $194,093,000 | 3,145 |
Average earning assets | $180,539,667 | 3,132 |
Average equity | $20,895,667 | 3,169 |
Average total loans | $108,721,333 | 3,141 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0859% | 1,425 |
Cost of funding earning assets | 0.2070% | 3,854 |
Net interest margin | 3.8789% | 1,019 |
Noninterest income to average assets | 0.1957% | 4,214 |
Noninterest expense to average assets | 2.9339% | 1,102 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.8517% | 3,266 |
Return on assets (ROA) | 0.8517% | 3,346 |
Pretax return on assets | 0.8517% | 3,720 |
Return on Equity (ROE) | 7.8944% | 3,360 |
Retained earnings to average equity (ytd only) | 7.8944% | 2,281 |
Net charge-offs to loans | -0.0948% | 4,619 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.5028% | 997 |
Assets per employee ($millions) | 4.0759% | 4,433 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1422% | 3,234 |
Loan loss allowance to noncurrent loans | 42.8278% | 4,072 |
Noncurrent assets plus other real estate owned to assets | 2.7867% | 125 |
Noncurrent loans to loans | 2.6669% | 331 |
Net loans and leases to total assets | 55.3442% | 3,113 |
Net loans and leases to deposits | 62.0703% | 3,312 |
Net loans and leases to core deposits | 63.1977% | 3,483 |
Total domestic deposits to total assets | 89.1638% | 1,259 |
Equity capital to assets | 10.6803% | 2,104 |
Core capital (leverage) ratio | 10.7986% | 1,862 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $192,097,500 | 3,149 |
Average earning assets | $177,783,000 | 3,139 |
Average equity | $20,723,500 | 3,177 |
Average total loans | $109,723,000 | 3,133 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9039% | 592 |
Cost of funding earning assets | 0.3790% | 3,715 |
Net interest margin | 4.5249% | 316 |
Noninterest income to average assets | 0.6588% | 1,990 |
Noninterest expense to average assets | 3.7217% | 511 |
Loan and lease loss provision to assets | 0.0866% | 3,282 |
Net operating income to assets | 1.0548% | 2,087 |
Return on assets (ROA) | 1.0548% | 2,225 |
Pretax return on assets | 1.0548% | 2,860 |
Return on Equity (ROE) | 9.1905% | 2,320 |
Retained earnings to average equity (ytd only) | 9.1905% | 732 |
Net charge-offs to loans | 0.2279% | 764 |
Credit loss provision to net charge-offs | 57.2519% | 3,098 |
Earnings coverage of net charge-offs (x) | 7.5458% | 2,687 |
Efficiency ratio | 76.5286% | 1,169 |
Assets per employee ($millions) | 3.9282% | 4,423 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1135% | 3,396 |
Loan loss allowance to noncurrent loans | 43.0531% | 4,116 |
Noncurrent assets plus other real estate owned to assets | 3.2346% | 100 |
Noncurrent loans to loans | 2.5865% | 386 |
Net loans and leases to total assets | 57.6466% | 3,130 |
Net loans and leases to deposits | 64.8140% | 3,376 |
Net loans and leases to core deposits | 66.1399% | 3,530 |
Total domestic deposits to total assets | 88.9416% | 1,013 |
Equity capital to assets | 10.8998% | 2,343 |
Core capital (leverage) ratio | 10.9611% | 1,821 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $173,201,400 | 3,168 |
Average earning assets | $160,932,600 | 3,158 |
Average equity | $19,879,200 | 3,199 |
Average total loans | $114,973,000 | 3,034 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0350% | 574 |
Cost of funding earning assets | 0.4191% | 3,709 |
Net interest margin | 4.6159% | 300 |
Noninterest income to average assets | 0.6377% | 2,034 |
Noninterest expense to average assets | 3.9220% | 404 |
Loan and lease loss provision to assets | 0.1181% | 2,845 |
Net operating income to assets | 0.9156% | 2,641 |
Return on assets (ROA) | 0.9156% | 2,768 |
Pretax return on assets | 0.9156% | 3,340 |
Return on Equity (ROE) | 7.8668% | 2,854 |
Retained earnings to average equity (ytd only) | 7.8668% | 1,348 |
Net charge-offs to loans | 0.2099% | 730 |
Credit loss provision to net charge-offs | 81.9672% | 2,748 |
Earnings coverage of net charge-offs (x) | 7.1749% | 2,595 |
Efficiency ratio | 79.1422% | 929 |
Assets per employee ($millions) | 3.4796% | 4,673 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0916% | 3,251 |
Loan loss allowance to noncurrent loans | 44.3387% | 4,117 |
Noncurrent assets plus other real estate owned to assets | 3.9716% | 82 |
Noncurrent loans to loans | 2.4621% | 428 |
Net loans and leases to total assets | 66.5771% | 2,440 |
Net loans and leases to deposits | 75.3564% | 2,810 |
Net loans and leases to core deposits | 77.0062% | 3,095 |
Total domestic deposits to total assets | 88.3496% | 1,031 |
Equity capital to assets | 11.4881% | 2,016 |
Core capital (leverage) ratio | 11.2656% | 1,721 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $169,363,250 | 3,183 |
Average earning assets | $158,434,250 | 3,166 |
Average equity | $19,711,000 | 3,215 |
Average total loans | $116,236,500 | 3,026 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9909% | 835 |
Cost of funding earning assets | 0.4680% | 3,710 |
Net interest margin | 4.5230% | 480 |
Noninterest income to average assets | 0.6852% | 1,792 |
Noninterest expense to average assets | 4.1341% | 352 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.7728% | 3,147 |
Return on assets (ROA) | 0.7728% | 3,260 |
Pretax return on assets | 0.7728% | 3,666 |
Return on Equity (ROE) | 6.6100% | 3,286 |
Retained earnings to average equity (ytd only) | 6.6100% | 1,822 |
Net charge-offs to loans | 0.1320% | 1,055 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 8.4737% | 2,284 |
Efficiency ratio | 84.2504% | 628 |
Assets per employee ($millions) | 3.4254% | 4,699 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0473% | 3,330 |
Loan loss allowance to noncurrent loans | 37.9248% | 4,264 |
Noncurrent assets plus other real estate owned to assets | 4.4594% | 66 |
Noncurrent loans to loans | 2.7616% | 386 |
Net loans and leases to total assets | 66.8873% | 2,511 |
Net loans and leases to deposits | 75.4140% | 2,929 |
Net loans and leases to core deposits | 77.1801% | 3,181 |
Total domestic deposits to total assets | 88.6935% | 866 |
Equity capital to assets | 11.1257% | 2,233 |
Core capital (leverage) ratio | 11.0374% | 1,927 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $166,663,667 | 3,184 |
Average earning assets | $155,562,000 | 3,176 |
Average equity | $19,485,667 | 3,224 |
Average total loans | $115,164,333 | 3,032 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2834% | 567 |
Cost of funding earning assets | 0.4998% | 3,949 |
Net interest margin | 4.7836% | 282 |
Noninterest income to average assets | 0.5070% | 2,516 |
Noninterest expense to average assets | 4.0861% | 459 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.9171% | 2,461 |
Return on assets (ROA) | 0.9171% | 2,571 |
Pretax return on assets | 0.9171% | 3,088 |
Return on Equity (ROE) | 7.6398% | 2,659 |
Retained earnings to average equity (ytd only) | 7.6398% | 1,333 |
Net charge-offs to loans | 0.2879% | 509 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | 4.5556% | 2,127 |
Efficiency ratio | 81.6692% | 998 |
Assets per employee ($millions) | 3.0845% | 4,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1313% | 3,039 |
Loan loss allowance to noncurrent loans | 46.8832% | 4,140 |
Noncurrent assets plus other real estate owned to assets | 4.7040% | 72 |
Noncurrent loans to loans | 2.4131% | 510 |
Net loans and leases to total assets | 68.4340% | 2,482 |
Net loans and leases to deposits | 78.0738% | 2,878 |
Net loans and leases to core deposits | 80.1279% | 3,186 |
Total domestic deposits to total assets | 87.6529% | 1,249 |
Equity capital to assets | 12.1781% | 1,939 |
Core capital (leverage) ratio | 11.9546% | 1,768 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $160,936,000 | 3,206 |
Average earning assets | $151,267,000 | 3,178 |
Average equity | $19,320,000 | 3,237 |
Average total loans | $112,546,500 | 3,048 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4701% | 591 |
Cost of funding earning assets | 0.5398% | 3,921 |
Net interest margin | 4.9302% | 307 |
Noninterest income to average assets | 0.5967% | 2,238 |
Noninterest expense to average assets | 4.3158% | 369 |
Loan and lease loss provision to assets | 0.1056% | 1,963 |
Net operating income to assets | 0.7874% | 3,593 |
Return on assets (ROA) | 0.7874% | 3,673 |
Pretax return on assets | 0.7874% | 3,997 |
Return on Equity (ROE) | 7.1629% | 3,495 |
Retained earnings to average equity (ytd only) | 7.1629% | 1,326 |
Net charge-offs to loans | 0.3320% | 625 |
Credit loss provision to net charge-offs | 44.1919% | 3,169 |
Earnings coverage of net charge-offs (x) | 3.7374% | 3,290 |
Efficiency ratio | 82.8565% | 742 |
Assets per employee ($millions) | 3.1053% | 4,761 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1721% | 2,583 |
Loan loss allowance to noncurrent loans | 48.9923% | 4,112 |
Noncurrent assets plus other real estate owned to assets | 4.8552% | 67 |
Noncurrent loans to loans | 2.3923% | 478 |
Net loans and leases to total assets | 69.8151% | 2,429 |
Net loans and leases to deposits | 79.3457% | 2,858 |
Net loans and leases to core deposits | 81.5533% | 3,172 |
Total domestic deposits to total assets | 87.9885% | 1,131 |
Equity capital to assets | 11.8326% | 2,257 |
Core capital (leverage) ratio | 11.2659% | 2,281 |
Tier 1 risk-based capital ratio | 16.2703% | 2,305 |
Total risk-based capital ratio | 17.4316% | 2,286 |
Memoranda: | ||
Average total assets | $165,739,400 | 3,144 |
Average earning assets | $155,044,200 | 3,136 |
Average equity | $18,218,800 | 3,318 |
Average total loans | $119,259,400 | 2,950 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4736% | 613 |
Cost of funding earning assets | 0.5454% | 3,959 |
Net interest margin | 4.9282% | 329 |
Noninterest income to average assets | 0.7274% | 1,674 |
Noninterest expense to average assets | 4.3275% | 355 |
Loan and lease loss provision to assets | 0.0799% | 2,310 |
Net operating income to assets | 0.9280% | 3,240 |
Return on assets (ROA) | 0.9280% | 3,314 |
Pretax return on assets | 0.9280% | 3,797 |
Return on Equity (ROE) | 8.6013% | 3,055 |
Retained earnings to average equity (ytd only) | 8.6013% | 1,170 |
Net charge-offs to loans | 0.2732% | 644 |
Credit loss provision to net charge-offs | 40.4858% | 2,854 |
Earnings coverage of net charge-offs (x) | 5.1052% | 2,950 |
Efficiency ratio | 81.1086% | 823 |
Assets per employee ($millions) | 3.0918% | 4,843 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1973% | 2,522 |
Loan loss allowance to noncurrent loans | 42.0316% | 4,304 |
Noncurrent assets plus other real estate owned to assets | 5.7473% | 54 |
Noncurrent loans to loans | 2.8487% | 366 |
Net loans and leases to total assets | 71.0534% | 2,313 |
Net loans and leases to deposits | 80.4518% | 2,854 |
Net loans and leases to core deposits | 82.8198% | 3,190 |
Total domestic deposits to total assets | 88.3180% | 907 |
Equity capital to assets | 11.4495% | 2,699 |
Core capital (leverage) ratio | 11.1894% | 2,479 |
Tier 1 risk-based capital ratio | 16.4044% | 2,300 |
Total risk-based capital ratio | 17.6543% | 2,234 |
Memoranda: | ||
Average total assets | $166,804,750 | 3,163 |
Average earning assets | $155,968,250 | 3,155 |
Average equity | $17,996,750 | 3,361 |
Average total loans | $120,556,000 | 2,970 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3794% | 704 |
Cost of funding earning assets | 0.5485% | 3,880 |
Net interest margin | 4.8309% | 387 |
Noninterest income to average assets | 0.5698% | 2,287 |
Noninterest expense to average assets | 4.3341% | 361 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.7498% | 3,829 |
Return on assets (ROA) | 0.7498% | 3,895 |
Pretax return on assets | 0.7498% | 4,219 |
Return on Equity (ROE) | 7.0907% | 3,642 |
Retained earnings to average equity (ytd only) | 7.0907% | 1,764 |
Net charge-offs to loans | -0.0296% | 4,674 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.2521% | 583 |
Assets per employee ($millions) | 3.0319% | 4,883 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3076% | 1,983 |
Loan loss allowance to noncurrent loans | 31.2748% | 4,532 |
Noncurrent assets plus other real estate owned to assets | 6.8652% | 42 |
Noncurrent loans to loans | 4.1810% | 166 |
Net loans and leases to total assets | 71.2872% | 2,324 |
Net loans and leases to deposits | 80.2066% | 2,928 |
Net loans and leases to core deposits | 82.3576% | 3,246 |
Total domestic deposits to total assets | 88.8795% | 715 |
Equity capital to assets | 10.9364% | 3,142 |
Core capital (leverage) ratio | 10.7487% | 2,838 |
Tier 1 risk-based capital ratio | 15.8164% | 2,494 |
Total risk-based capital ratio | 17.0681% | 2,425 |
Memoranda: | ||
Average total assets | $167,784,000 | 3,179 |
Average earning assets | $156,783,000 | 3,159 |
Average equity | $17,741,670 | 3,388 |
Average total loans | $121,460,000 | 2,971 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2005% | 912 |
Cost of funding earning assets | 0.5685% | 3,742 |
Net interest margin | 4.6320% | 569 |
Noninterest income to average assets | 0.8390% | 1,192 |
Noninterest expense to average assets | 4.2924% | 366 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.8651% | 3,378 |
Return on assets (ROA) | 0.8651% | 3,426 |
Pretax return on assets | 0.8651% | 3,879 |
Return on Equity (ROE) | 8.3229% | 3,105 |
Retained earnings to average equity (ytd only) | 8.3229% | 1,542 |
Net charge-offs to loans | 0.0098% | 2,336 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 121.3333% | 584 |
Efficiency ratio | 83.2258% | 771 |
Assets per employee ($millions) | 2.8245% | 5,060 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2771% | 2,203 |
Loan loss allowance to noncurrent loans | 31.7088% | 4,600 |
Noncurrent assets plus other real estate owned to assets | 7.2260% | 32 |
Noncurrent loans to loans | 4.0276% | 187 |
Net loans and leases to total assets | 72.1305% | 2,134 |
Net loans and leases to deposits | 80.9149% | 2,738 |
Net loans and leases to core deposits | 82.7823% | 3,122 |
Total domestic deposits to total assets | 89.1436% | 794 |
Equity capital to assets | 10.6944% | 3,170 |
Core capital (leverage) ratio | 10.4504% | 3,109 |
Tier 1 risk-based capital ratio | 15.0935% | 2,842 |
Total risk-based capital ratio | 16.3446% | 2,756 |
Memoranda: | ||
Average total assets | $168,298,500 | 3,207 |
Average earning assets | $156,907,000 | 3,195 |
Average equity | $17,494,000 | 3,419 |
Average total loans | $121,965,000 | 2,995 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3646% | 517 |
Cost of funding earning assets | 0.4936% | 3,400 |
Net interest margin | 4.8710% | 342 |
Noninterest income to average assets | 0.4049% | 3,412 |
Noninterest expense to average assets | 4.0195% | 518 |
Loan and lease loss provision to assets | 0.4525% | 282 |
Net operating income to assets | 0.3985% | 4,868 |
Return on assets (ROA) | 0.3985% | 4,862 |
Pretax return on assets | 0.3985% | 4,935 |
Return on Equity (ROE) | 4.0542% | 4,698 |
Retained earnings to average equity (ytd only) | 4.0542% | 3,335 |
Net charge-offs to loans | 0.5433% | 325 |
Credit loss provision to net charge-offs | 113.8686% | 2,278 |
Earnings coverage of net charge-offs (x) | 2.1416% | 3,554 |
Efficiency ratio | 82.5274% | 744 |
Assets per employee ($millions) | 2.8805% | 5,058 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2753% | 2,165 |
Loan loss allowance to noncurrent loans | 30.4713% | 4,635 |
Noncurrent assets plus other real estate owned to assets | 7.2263% | 36 |
Noncurrent loans to loans | 4.1851% | 172 |
Net loans and leases to total assets | 70.9701% | 2,423 |
Net loans and leases to deposits | 81.2510% | 2,825 |
Net loans and leases to core deposits | 82.9788% | 3,183 |
Total domestic deposits to total assets | 87.3468% | 1,616 |
Equity capital to assets | 10.1007% | 3,572 |
Core capital (leverage) ratio | 9.8108% | 3,783 |
Tier 1 risk-based capital ratio | 14.3175% | 3,162 |
Total risk-based capital ratio | 15.5682% | 3,071 |
Memoranda: | ||
Average total assets | $172,386,000 | 3,147 |
Average earning assets | $158,036,400 | 3,159 |
Average equity | $16,945,200 | 3,400 |
Average total loans | $126,073,600 | 2,924 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2922% | 532 |
Cost of funding earning assets | 0.4776% | 3,345 |
Net interest margin | 4.8146% | 369 |
Noninterest income to average assets | 0.5087% | 2,819 |
Noninterest expense to average assets | 3.9129% | 580 |
Loan and lease loss provision to assets | 0.4856% | 237 |
Net operating income to assets | 0.5079% | 4,745 |
Return on assets (ROA) | 0.5079% | 4,747 |
Pretax return on assets | 0.5079% | 4,893 |
Return on Equity (ROE) | 5.2021% | 4,497 |
Retained earnings to average equity (ytd only) | 5.2021% | 3,114 |
Net charge-offs to loans | 0.6979% | 206 |
Credit loss provision to net charge-offs | 94.7368% | 2,367 |
Earnings coverage of net charge-offs (x) | 1.9384% | 3,298 |
Efficiency ratio | 79.7518% | 963 |
Assets per employee ($millions) | 3.1126% | 4,953 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1156% | 3,103 |
Loan loss allowance to noncurrent loans | 33.0707% | 4,694 |
Noncurrent assets plus other real estate owned to assets | 7.0059% | 44 |
Noncurrent loans to loans | 3.3733% | 296 |
Net loans and leases to total assets | 70.0648% | 2,636 |
Net loans and leases to deposits | 79.4455% | 3,093 |
Net loans and leases to core deposits | 81.1468% | 3,395 |
Total domestic deposits to total assets | 88.1922% | 1,156 |
Equity capital to assets | 9.4304% | 4,152 |
Core capital (leverage) ratio | 10.0551% | 3,576 |
Tier 1 risk-based capital ratio | 14.0080% | 3,368 |
Total risk-based capital ratio | 15.1764% | 3,318 |
Memoranda: | ||
Average total assets | $172,995,250 | 3,162 |
Average earning assets | $158,015,250 | 3,186 |
Average equity | $16,890,000 | 3,431 |
Average total loans | $127,049,250 | 2,944 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3630% | 416 |
Cost of funding earning assets | 0.4718% | 3,213 |
Net interest margin | 4.8912% | 310 |
Noninterest income to average assets | 0.8810% | 1,237 |
Noninterest expense to average assets | 3.9476% | 575 |
Loan and lease loss provision to assets | 0.6276% | 157 |
Net operating income to assets | 0.7449% | 4,050 |
Return on assets (ROA) | 0.7449% | 4,053 |
Pretax return on assets | 0.7449% | 4,404 |
Return on Equity (ROE) | 7.5393% | 3,701 |
Retained earnings to average equity (ytd only) | 7.5393% | 1,825 |
Net charge-offs to loans | 0.8299% | 160 |
Credit loss provision to net charge-offs | 101.7110% | 1,991 |
Earnings coverage of net charge-offs (x) | 2.2243% | 2,991 |
Efficiency ratio | 74.2007% | 1,681 |
Assets per employee ($millions) | 2.8828% | 5,171 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1295% | 3,099 |
Loan loss allowance to noncurrent loans | 35.7629% | 4,661 |
Noncurrent assets plus other real estate owned to assets | 8.7187% | 32 |
Noncurrent loans to loans | 3.1584% | 340 |
Net loans and leases to total assets | 75.7548% | 1,674 |
Net loans and leases to deposits | 86.6471% | 2,252 |
Net loans and leases to core deposits | 87.8595% | 2,730 |
Total domestic deposits to total assets | 87.4291% | 1,674 |
Equity capital to assets | 10.0369% | 3,585 |
Core capital (leverage) ratio | 10.0529% | 3,522 |
Tier 1 risk-based capital ratio | 13.6617% | 3,526 |
Total risk-based capital ratio | 14.8389% | 3,480 |
Memoranda: | ||
Average total assets | $170,482,670 | 3,210 |
Average earning assets | $154,727,670 | 3,236 |
Average equity | $16,845,000 | 3,458 |
Average total loans | $126,760,000 | 2,955 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1903% | 496 |
Cost of funding earning assets | 0.4761% | 2,999 |
Net interest margin | 4.7142% | 397 |
Noninterest income to average assets | 1.1343% | 727 |
Noninterest expense to average assets | 3.6301% | 838 |
Loan and lease loss provision to assets | 1.0546% | 76 |
Net operating income to assets | 0.7195% | 4,033 |
Return on assets (ROA) | 0.7195% | 4,042 |
Pretax return on assets | 0.7195% | 4,386 |
Return on Equity (ROE) | 7.3392% | 3,652 |
Retained earnings to average equity (ytd only) | 7.3392% | 2,124 |
Net charge-offs to loans | 1.6162% | 84 |
Credit loss provision to net charge-offs | 89.1089% | 1,675 |
Earnings coverage of net charge-offs (x) | 1.4990% | 2,550 |
Efficiency ratio | 67.1726% | 2,975 |
Assets per employee ($millions) | 2.8184% | 5,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1184% | 3,274 |
Loan loss allowance to noncurrent loans | 43.9177% | 4,558 |
Noncurrent assets plus other real estate owned to assets | 8.4435% | 31 |
Noncurrent loans to loans | 2.5467% | 528 |
Net loans and leases to total assets | 72.4064% | 2,105 |
Net loans and leases to deposits | 82.5394% | 2,544 |
Net loans and leases to core deposits | 83.7399% | 3,005 |
Total domestic deposits to total assets | 87.7234% | 1,777 |
Equity capital to assets | 9.7714% | 3,819 |
Core capital (leverage) ratio | 9.8878% | 3,664 |
Tier 1 risk-based capital ratio | 13.5363% | 3,637 |
Total risk-based capital ratio | 14.6737% | 3,614 |
Memoranda: | ||
Average total assets | $170,682,500 | 3,242 |
Average earning assets | $154,597,500 | 3,271 |
Average equity | $16,732,000 | 3,506 |
Average total loans | $124,981,000 | 3,000 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1463% | 488 |
Cost of funding earning assets | 0.5157% | 2,205 |
Net interest margin | 4.6307% | 469 |
Noninterest income to average assets | 0.8738% | 1,349 |
Noninterest expense to average assets | 4.0350% | 507 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.9822% | 2,316 |
Return on assets (ROA) | 0.9822% | 2,354 |
Pretax return on assets | 0.9822% | 3,640 |
Return on Equity (ROE) | 10.7442% | 1,567 |
Retained earnings to average equity (ytd only) | 10.7442% | 270 |
Net charge-offs to loans | 0.1271% | 1,777 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 11.1307% | 2,602 |
Efficiency ratio | 80.4230% | 1,067 |
Assets per employee ($millions) | 2.8241% | 5,305 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1791% | 2,902 |
Loan loss allowance to noncurrent loans | 32.4462% | 4,815 |
Noncurrent assets plus other real estate owned to assets | 9.5583% | 26 |
Noncurrent loans to loans | 3.6342% | 274 |
Net loans and leases to total assets | 72.3598% | 2,167 |
Net loans and leases to deposits | 82.6001% | 2,655 |
Net loans and leases to core deposits | 83.8193% | 3,069 |
Total domestic deposits to total assets | 87.6025% | 1,701 |
Equity capital to assets | 9.8350% | 3,885 |
Core capital (leverage) ratio | 9.3341% | 4,245 |
Tier 1 risk-based capital ratio | 12.9064% | 3,967 |
Total risk-based capital ratio | 14.0544% | 3,929 |
Memoranda: | ||
Average total assets | $173,383,000 | 3,203 |
Average earning assets | $155,139,200 | 3,256 |
Average equity | $15,850,400 | 3,617 |
Average total loans | $120,340,000 | 3,059 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0604% | 544 |
Cost of funding earning assets | 0.5230% | 2,088 |
Net interest margin | 4.5374% | 553 |
Noninterest income to average assets | 0.9566% | 1,128 |
Noninterest expense to average assets | 3.8492% | 634 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.1607% | 1,840 |
Return on assets (ROA) | 1.1607% | 1,884 |
Pretax return on assets | 1.1607% | 3,062 |
Return on Equity (ROE) | 12.9353% | 1,073 |
Retained earnings to average equity (ytd only) | 12.9353% | 228 |
Net charge-offs to loans | 0.1105% | 1,687 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | 15.3330% | 2,236 |
Efficiency ratio | 76.8315% | 1,480 |
Assets per employee ($millions) | 2.8588% | 5,351 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2508% | 2,641 |
Loan loss allowance to noncurrent loans | 35.1157% | 4,857 |
Noncurrent assets plus other real estate owned to assets | 9.9201% | 26 |
Noncurrent loans to loans | 3.5618% | 304 |
Net loans and leases to total assets | 68.6812% | 2,743 |
Net loans and leases to deposits | 78.0513% | 3,156 |
Net loans and leases to core deposits | 79.8881% | 3,461 |
Total domestic deposits to total assets | 87.9949% | 1,366 |
Equity capital to assets | 9.5238% | 4,422 |
Core capital (leverage) ratio | 9.4327% | 4,251 |
Tier 1 risk-based capital ratio | 13.4007% | 3,766 |
Total risk-based capital ratio | 14.6506% | 3,685 |
Memoranda: | ||
Average total assets | $174,367,500 | 3,212 |
Average earning assets | $155,768,500 | 3,279 |
Average equity | $15,646,750 | 3,676 |
Average total loans | $119,406,750 | 3,094 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9950% | 566 |
Cost of funding earning assets | 0.5310% | 1,904 |
Net interest margin | 4.4640% | 620 |
Noninterest income to average assets | 0.6676% | 2,137 |
Noninterest expense to average assets | 3.8323% | 646 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.8178% | 3,313 |
Return on assets (ROA) | 0.8178% | 3,365 |
Pretax return on assets | 0.8178% | 4,207 |
Return on Equity (ROE) | 9.3042% | 2,361 |
Retained earnings to average equity (ytd only) | 9.3042% | 761 |
Net charge-offs to loans | 0.0152% | 2,942 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 79.2222% | 774 |
Efficiency ratio | 82.4124% | 967 |
Assets per employee ($millions) | 2.7587% | 5,440 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3454% | 2,201 |
Loan loss allowance to noncurrent loans | 37.3027% | 4,834 |
Noncurrent assets plus other real estate owned to assets | 10.3528% | 27 |
Noncurrent loans to loans | 3.6068% | 303 |
Net loans and leases to total assets | 67.7990% | 2,842 |
Net loans and leases to deposits | 76.6984% | 3,259 |
Net loans and leases to core deposits | 78.6399% | 3,537 |
Total domestic deposits to total assets | 88.3969% | 1,258 |
Equity capital to assets | 9.1065% | 4,798 |
Core capital (leverage) ratio | 8.8662% | 4,880 |
Tier 1 risk-based capital ratio | 12.8617% | 4,087 |
Total risk-based capital ratio | 14.1129% | 3,998 |
Memoranda: | ||
Average total assets | $174,362,000 | 3,231 |
Average earning assets | $155,556,670 | 3,296 |
Average equity | $15,326,330 | 3,718 |
Average total loans | $118,780,330 | 3,110 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8804% | 652 |
Cost of funding earning assets | 0.5371% | 1,807 |
Net interest margin | 4.3433% | 714 |
Noninterest income to average assets | 0.8818% | 1,301 |
Noninterest expense to average assets | 3.9005% | 600 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.8520% | 2,986 |
Return on assets (ROA) | 0.8520% | 3,028 |
Pretax return on assets | 0.8520% | 3,933 |
Return on Equity (ROE) | 9.8700% | 2,017 |
Retained earnings to average equity (ytd only) | 9.8700% | 835 |
Net charge-offs to loans | -0.0574% | 5,248 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.0723% | 1,153 |
Assets per employee ($millions) | 2.6830% | 5,549 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3961% | 2,094 |
Loan loss allowance to noncurrent loans | 36.7544% | 4,919 |
Noncurrent assets plus other real estate owned to assets | 10.5248% | 30 |
Noncurrent loans to loans | 3.7985% | 290 |
Net loans and leases to total assets | 66.1332% | 2,950 |
Net loans and leases to deposits | 74.5641% | 3,348 |
Net loans and leases to core deposits | 76.4431% | 3,614 |
Total domestic deposits to total assets | 88.6931% | 1,327 |
Equity capital to assets | 8.8269% | 4,975 |
Core capital (leverage) ratio | 8.7267% | 5,025 |
Tier 1 risk-based capital ratio | 12.8159% | 4,194 |
Total risk-based capital ratio | 14.0680% | 4,087 |
Memoranda: | ||
Average total assets | $174,643,500 | 3,259 |
Average earning assets | $155,643,500 | 3,327 |
Average equity | $15,076,000 | 3,770 |
Average total loans | $118,450,000 | 3,135 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0032% | 587 |
Cost of funding earning assets | 0.5761% | 1,509 |
Net interest margin | 4.4271% | 728 |
Noninterest income to average assets | 0.8494% | 1,579 |
Noninterest expense to average assets | 4.0720% | 547 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6893% | 3,831 |
Return on assets (ROA) | 0.6893% | 3,943 |
Pretax return on assets | 0.6893% | 4,524 |
Return on Equity (ROE) | 8.3803% | 2,753 |
Retained earnings to average equity (ytd only) | 8.3803% | 743 |
Net charge-offs to loans | -0.2686% | 5,782 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.5231% | 858 |
Assets per employee ($millions) | 2.7760% | 5,508 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3474% | 2,312 |
Loan loss allowance to noncurrent loans | 30.4618% | 5,071 |
Noncurrent assets plus other real estate owned to assets | 11.0876% | 30 |
Noncurrent loans to loans | 4.4233% | 211 |
Net loans and leases to total assets | 67.6521% | 2,831 |
Net loans and leases to deposits | 75.9366% | 3,322 |
Net loans and leases to core deposits | 77.8344% | 3,580 |
Total domestic deposits to total assets | 89.0902% | 1,072 |
Equity capital to assets | 8.4385% | 5,316 |
Core capital (leverage) ratio | 8.2742% | 5,453 |
Tier 1 risk-based capital ratio | 12.0398% | 4,701 |
Total risk-based capital ratio | 13.2903% | 4,589 |
Memoranda: | ||
Average total assets | $174,237,600 | 3,229 |
Average earning assets | $153,961,000 | 3,324 |
Average equity | $14,331,200 | 3,901 |
Average total loans | $116,911,600 | 3,113 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9838% | 625 |
Cost of funding earning assets | 0.5871% | 1,434 |
Net interest margin | 4.3966% | 785 |
Noninterest income to average assets | 0.6235% | 2,558 |
Noninterest expense to average assets | 3.9737% | 610 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.5270% | 4,586 |
Return on assets (ROA) | 0.5323% | 4,669 |
Pretax return on assets | 0.5323% | 5,058 |
Return on Equity (ROE) | 6.5144% | 3,831 |
Retained earnings to average equity (ytd only) | 6.5144% | 1,904 |
Net charge-offs to loans | -0.4063% | 5,869 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.2914% | 659 |
Assets per employee ($millions) | 2.6524% | 5,638 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4055% | 2,175 |
Loan loss allowance to noncurrent loans | 27.9231% | 5,219 |
Noncurrent assets plus other real estate owned to assets | 12.0881% | 28 |
Noncurrent loans to loans | 5.0336% | 168 |
Net loans and leases to total assets | 67.3358% | 2,899 |
Net loans and leases to deposits | 75.6508% | 3,440 |
Net loans and leases to core deposits | 77.5618% | 3,702 |
Total domestic deposits to total assets | 89.0087% | 902 |
Equity capital to assets | 8.4833% | 5,540 |
Core capital (leverage) ratio | 8.2536% | 5,538 |
Tier 1 risk-based capital ratio | 11.7121% | 4,973 |
Total risk-based capital ratio | 12.9641% | 4,872 |
Memoranda: | ||
Average total assets | $174,074,750 | 3,240 |
Average earning assets | $153,508,500 | 3,343 |
Average equity | $14,224,500 | 3,951 |
Average total loans | $116,156,500 | 3,137 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8729% | 768 |
Cost of funding earning assets | 0.5977% | 1,334 |
Net interest margin | 4.2751% | 976 |
Noninterest income to average assets | 0.6631% | 2,316 |
Noninterest expense to average assets | 3.9592% | 624 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4719% | 4,789 |
Return on assets (ROA) | 0.4719% | 4,885 |
Pretax return on assets | 0.4719% | 5,200 |
Return on Equity (ROE) | 5.8478% | 4,120 |
Retained earnings to average equity (ytd only) | 5.8478% | 2,215 |
Net charge-offs to loans | -0.5916% | 5,957 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.3513% | 633 |
Assets per employee ($millions) | 2.6663% | 5,697 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4093% | 2,249 |
Loan loss allowance to noncurrent loans | 20.0782% | 5,411 |
Noncurrent assets plus other real estate owned to assets | 13.7958% | 25 |
Noncurrent loans to loans | 7.0192% | 84 |
Net loans and leases to total assets | 67.3541% | 2,889 |
Net loans and leases to deposits | 75.6015% | 3,424 |
Net loans and leases to core deposits | 77.6559% | 3,671 |
Total domestic deposits to total assets | 89.0909% | 880 |
Equity capital to assets | 8.4080% | 5,652 |
Core capital (leverage) ratio | 7.9243% | 5,767 |
Tier 1 risk-based capital ratio | 11.3299% | 5,260 |
Total risk-based capital ratio | 12.5813% | 5,159 |
Memoranda: | ||
Average total assets | $174,630,000 | 3,258 |
Average earning assets | $153,913,330 | 3,352 |
Average equity | $14,090,670 | 3,981 |
Average total loans | $115,626,000 | 3,149 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7507% | 946 |
Cost of funding earning assets | 0.6079% | 1,283 |
Net interest margin | 4.1428% | 1,228 |
Noninterest income to average assets | 0.6613% | 2,209 |
Noninterest expense to average assets | 3.8251% | 746 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.4937% | 4,652 |
Return on assets (ROA) | 0.4937% | 4,753 |
Pretax return on assets | 0.4937% | 5,100 |
Return on Equity (ROE) | 6.2455% | 3,860 |
Retained earnings to average equity (ytd only) | 6.2455% | 2,261 |
Net charge-offs to loans | -0.0729% | 5,517 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.5684% | 770 |
Assets per employee ($millions) | 2.8528% | 5,642 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1735% | 3,644 |
Loan loss allowance to noncurrent loans | 14.7134% | 5,488 |
Noncurrent assets plus other real estate owned to assets | 13.6873% | 28 |
Noncurrent loans to loans | 7.9754% | 70 |
Net loans and leases to total assets | 62.9478% | 3,396 |
Net loans and leases to deposits | 70.2743% | 3,836 |
Net loans and leases to core deposits | 71.8697% | 4,068 |
Total domestic deposits to total assets | 89.5744% | 802 |
Equity capital to assets | 7.9911% | 5,828 |
Core capital (leverage) ratio | 7.7396% | 5,867 |
Tier 1 risk-based capital ratio | 11.4974% | 5,235 |
Total risk-based capital ratio | 12.6139% | 5,207 |
Memoranda: | ||
Average total assets | $176,622,000 | 3,238 |
Average earning assets | $155,934,000 | 3,341 |
Average equity | $13,962,000 | 4,007 |
Average total loans | $115,149,000 | 3,158 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0750% | 539 |
Cost of funding earning assets | 0.8025% | 484 |
Net interest margin | 4.2725% | 1,017 |
Noninterest income to average assets | 1.1368% | 914 |
Noninterest expense to average assets | 3.9706% | 699 |
Loan and lease loss provision to assets | 0.0054% | 4,278 |
Net operating income to assets | 0.9261% | 2,723 |
Return on assets (ROA) | 0.9261% | 2,814 |
Pretax return on assets | 0.9261% | 3,743 |
Return on Equity (ROE) | 12.8987% | 1,079 |
Retained earnings to average equity (ytd only) | 12.8987% | 207 |
Net charge-offs to loans | 0.2993% | 1,007 |
Credit loss provision to net charge-offs | 2.8169% | 3,881 |
Earnings coverage of net charge-offs (x) | 4.8197% | 3,485 |
Efficiency ratio | 80.9973% | 1,535 |
Assets per employee ($millions) | 2.7593% | 5,733 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9219% | 5,006 |
Loan loss allowance to noncurrent loans | 12.0946% | 5,544 |
Noncurrent assets plus other real estate owned to assets | 13.9737% | 32 |
Noncurrent loans to loans | 7.6228% | 81 |
Net loans and leases to total assets | 66.2705% | 2,948 |
Net loans and leases to deposits | 73.9416% | 3,504 |
Net loans and leases to core deposits | 75.8656% | 3,769 |
Total domestic deposits to total assets | 89.6255% | 788 |
Equity capital to assets | 7.9356% | 5,879 |
Core capital (leverage) ratio | 7.4474% | 5,985 |
Tier 1 risk-based capital ratio | 11.0189% | 5,515 |
Total risk-based capital ratio | 11.9000% | 5,621 |
Memoranda: | ||
Average total assets | $183,674,800 | 3,122 |
Average earning assets | $161,871,800 | 3,230 |
Average equity | $13,187,400 | 4,101 |
Average total loans | $118,601,400 | 3,074 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9750% | 657 |
Cost of funding earning assets | 0.8297% | 424 |
Net interest margin | 4.1453% | 1,291 |
Noninterest income to average assets | 1.3100% | 707 |
Noninterest expense to average assets | 3.8444% | 796 |
Loan and lease loss provision to assets | 0.0072% | 4,112 |
Net operating income to assets | 1.1079% | 1,971 |
Return on assets (ROA) | 1.1079% | 2,050 |
Pretax return on assets | 1.1079% | 3,186 |
Return on Equity (ROE) | 15.8282% | 615 |
Retained earnings to average equity (ytd only) | 15.8282% | 132 |
Net charge-offs to loans | 0.5559% | 413 |
Credit loss provision to net charge-offs | 2.0202% | 3,511 |
Earnings coverage of net charge-offs (x) | 3.1334% | 3,550 |
Efficiency ratio | 77.5152% | 2,017 |
Assets per employee ($millions) | 2.8918% | 5,663 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7869% | 5,553 |
Loan loss allowance to noncurrent loans | 10.8579% | 5,648 |
Noncurrent assets plus other real estate owned to assets | 13.6687% | 32 |
Noncurrent loans to loans | 7.2474% | 93 |
Net loans and leases to total assets | 65.6055% | 3,074 |
Net loans and leases to deposits | 74.2866% | 3,513 |
Net loans and leases to core deposits | 76.5235% | 3,736 |
Total domestic deposits to total assets | 88.3139% | 1,392 |
Equity capital to assets | 7.6818% | 6,043 |
Core capital (leverage) ratio | 7.4020% | 6,073 |
Tier 1 risk-based capital ratio | 10.8469% | 5,733 |
Total risk-based capital ratio | 11.6110% | 5,869 |
Memoranda: | ||
Average total assets | $185,444,500 | 3,134 |
Average earning assets | $163,265,000 | 3,237 |
Average equity | $12,980,750 | 4,186 |
Average total loans | $118,721,750 | 3,095 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9918% | 604 |
Cost of funding earning assets | 0.8754% | 325 |
Net interest margin | 4.1164% | 1,312 |
Noninterest income to average assets | 0.6615% | 2,406 |
Noninterest expense to average assets | 3.8117% | 856 |
Loan and lease loss provision to assets | 0.0107% | 3,893 |
Net operating income to assets | 0.4643% | 4,924 |
Return on assets (ROA) | 0.4643% | 5,019 |
Pretax return on assets | 0.4643% | 5,316 |
Return on Equity (ROE) | 6.8498% | 3,704 |
Retained earnings to average equity (ytd only) | 6.8498% | 1,772 |
Net charge-offs to loans | 0.2776% | 950 |
Credit loss provision to net charge-offs | 6.0976% | 3,122 |
Earnings coverage of net charge-offs (x) | 2.7012% | 3,299 |
Efficiency ratio | 88.9195% | 835 |
Assets per employee ($millions) | 2.9910% | 5,603 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0792% | 4,444 |
Loan loss allowance to noncurrent loans | 12.8295% | 5,737 |
Noncurrent assets plus other real estate owned to assets | 14.7169% | 31 |
Noncurrent loans to loans | 8.4119% | 73 |
Net loans and leases to total assets | 64.3058% | 3,225 |
Net loans and leases to deposits | 72.2353% | 3,699 |
Net loans and leases to core deposits | 74.3831% | 3,921 |
Total domestic deposits to total assets | 89.0227% | 1,125 |
Equity capital to assets | 6.9866% | 6,195 |
Core capital (leverage) ratio | 6.4942% | 6,244 |
Tier 1 risk-based capital ratio | 10.0186% | 6,083 |
Total risk-based capital ratio | 11.0569% | 6,099 |
Memoranda: | ||
Average total assets | $186,531,670 | 3,140 |
Average earning assets | $164,269,670 | 3,251 |
Average equity | $12,642,670 | 4,273 |
Average total loans | $118,139,000 | 3,122 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0564% | 524 |
Cost of funding earning assets | 0.8680% | 341 |
Net interest margin | 4.1884% | 1,086 |
Noninterest income to average assets | 0.7424% | 1,950 |
Noninterest expense to average assets | 3.7333% | 960 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7042% | 3,778 |
Return on assets (ROA) | 0.7042% | 3,904 |
Pretax return on assets | 0.7042% | 4,575 |
Return on Equity (ROE) | 10.5476% | 1,781 |
Retained earnings to average equity (ytd only) | 10.5476% | 802 |
Net charge-offs to loans | 0.3732% | 654 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 3.0182% | 2,664 |
Efficiency ratio | 84.1300% | 1,369 |
Assets per employee ($millions) | 3.0601% | 5,593 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1382% | 4,328 |
Loan loss allowance to noncurrent loans | 12.1312% | 5,785 |
Noncurrent assets plus other real estate owned to assets | 14.2911% | 32 |
Noncurrent loans to loans | 9.3823% | 70 |
Net loans and leases to total assets | 60.6148% | 3,567 |
Net loans and leases to deposits | 70.3153% | 3,721 |
Net loans and leases to core deposits | 72.2742% | 3,938 |
Total domestic deposits to total assets | 86.2043% | 2,826 |
Equity capital to assets | 6.7845% | 6,281 |
Core capital (leverage) ratio | 6.4746% | 6,302 |
Tier 1 risk-based capital ratio | 9.7882% | 6,222 |
Total risk-based capital ratio | 10.8461% | 6,229 |
Memoranda: | ||
Average total assets | $188,572,500 | 3,133 |
Average earning assets | $166,364,500 | 3,229 |
Average equity | $12,590,500 | 4,306 |
Average total loans | $117,905,500 | 3,127 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6885% | 1,336 |
Cost of funding earning assets | 0.9240% | 335 |
Net interest margin | 3.7645% | 2,752 |
Noninterest income to average assets | 2.1412% | 308 |
Noninterest expense to average assets | 3.9599% | 791 |
Loan and lease loss provision to assets | 0.0586% | 3,367 |
Net operating income to assets | 1.4606% | 958 |
Return on assets (ROA) | 1.4606% | 992 |
Pretax return on assets | 1.4606% | 1,690 |
Return on Equity (ROE) | 25.4015% | 97 |
Retained earnings to average equity (ytd only) | 25.4015% | 36 |
Net charge-offs to loans | 1.1525% | 238 |
Credit loss provision to net charge-offs | 8.1042% | 4,126 |
Earnings coverage of net charge-offs (x) | 2.0999% | 4,244 |
Efficiency ratio | 72.2721% | 3,159 |
Assets per employee ($millions) | 2.9749% | 5,733 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2002% | 3,995 |
Loan loss allowance to noncurrent loans | 13.5092% | 5,900 |
Noncurrent assets plus other real estate owned to assets | 14.1981% | 41 |
Noncurrent loans to loans | 8.8840% | 88 |
Net loans and leases to total assets | 62.9877% | 3,364 |
Net loans and leases to deposits | 72.9665% | 3,558 |
Net loans and leases to core deposits | 74.9007% | 3,827 |
Total domestic deposits to total assets | 86.3242% | 2,655 |
Equity capital to assets | 6.5676% | 6,373 |
Core capital (leverage) ratio | 6.1885% | 6,393 |
Tier 1 risk-based capital ratio | 9.5924% | 6,341 |
Total risk-based capital ratio | 10.7467% | 6,328 |
Memoranda: | ||
Average total assets | $191,016,200 | 3,092 |
Average earning assets | $169,370,800 | 3,167 |
Average equity | $10,983,600 | 4,564 |
Average total loans | $119,909,400 | 3,046 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6789% | 1,360 |
Cost of funding earning assets | 0.9301% | 343 |
Net interest margin | 3.7487% | 2,820 |
Noninterest income to average assets | 2.5260% | 239 |
Noninterest expense to average assets | 3.8148% | 953 |
Loan and lease loss provision to assets | 0.0778% | 2,786 |
Net operating income to assets | 1.9626% | 370 |
Return on assets (ROA) | 1.9626% | 380 |
Pretax return on assets | 1.9626% | 621 |
Return on Equity (ROE) | 35.3594% | 40 |
Retained earnings to average equity (ytd only) | 35.3594% | 20 |
Net charge-offs to loans | 0.9565% | 325 |
Credit loss provision to net charge-offs | 13.0081% | 3,674 |
Earnings coverage of net charge-offs (x) | 3.4112% | 3,663 |
Efficiency ratio | 65.1519% | 4,343 |
Assets per employee ($millions) | 3.0664% | 5,652 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6868% | 2,012 |
Loan loss allowance to noncurrent loans | 17.9062% | 5,957 |
Noncurrent assets plus other real estate owned to assets | 14.5527% | 40 |
Noncurrent loans to loans | 9.4203% | 88 |
Net loans and leases to total assets | 59.9339% | 3,798 |
Net loans and leases to deposits | 69.2239% | 4,004 |
Net loans and leases to core deposits | 71.1336% | 4,234 |
Total domestic deposits to total assets | 86.5798% | 2,539 |
Equity capital to assets | 6.4177% | 6,453 |
Core capital (leverage) ratio | 6.3023% | 6,453 |
Tier 1 risk-based capital ratio | 9.8933% | 6,368 |
Total risk-based capital ratio | 11.1482% | 6,339 |
Memoranda: | ||
Average total assets | $191,915,500 | 3,104 |
Average earning assets | $170,436,000 | 3,179 |
Average equity | $10,652,250 | 4,658 |
Average total loans | $120,015,500 | 3,053 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5645% | 1,631 |
Cost of funding earning assets | 0.9348% | 343 |
Net interest margin | 3.6297% | 3,233 |
Noninterest income to average assets | 3.5208% | 160 |
Noninterest expense to average assets | 3.7046% | 1,130 |
Loan and lease loss provision to assets | 0.1164% | 2,096 |
Net operating income to assets | 2.9348% | 96 |
Return on assets (ROA) | 2.9348% | 99 |
Pretax return on assets | 2.9348% | 121 |
Return on Equity (ROE) | 55.7419% | 18 |
Retained earnings to average equity (ytd only) | 55.7419% | 10 |
Net charge-offs to loans | 0.4860% | 824 |
Credit loss provision to net charge-offs | 37.9661% | 2,950 |
Earnings coverage of net charge-offs (x) | 9.9559% | 2,295 |
Efficiency ratio | 54.8362% | 5,844 |
Assets per employee ($millions) | 3.0230% | 5,725 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0905% | 1,195 |
Loan loss allowance to noncurrent loans | 17.3288% | 6,024 |
Noncurrent assets plus other real estate owned to assets | 15.0531% | 36 |
Noncurrent loans to loans | 12.0635% | 46 |
Net loans and leases to total assets | 61.0299% | 3,557 |
Net loans and leases to deposits | 70.3127% | 3,784 |
Net loans and leases to core deposits | 72.1896% | 4,034 |
Total domestic deposits to total assets | 86.7979% | 2,578 |
Equity capital to assets | 6.2961% | 6,508 |
Core capital (leverage) ratio | 6.1872% | 6,517 |
Tier 1 risk-based capital ratio | 9.7497% | 6,460 |
Total risk-based capital ratio | 11.0100% | 6,440 |
Memoranda: | ||
Average total assets | $192,515,330 | 3,117 |
Average earning assets | $171,584,330 | 3,181 |
Average equity | $10,136,000 | 4,771 |
Average total loans | $121,387,670 | 3,039 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5950% | 1,521 |
Cost of funding earning assets | 0.9442% | 351 |
Net interest margin | 3.6508% | 3,056 |
Noninterest income to average assets | 0.4916% | 3,480 |
Noninterest expense to average assets | 3.4014% | 1,700 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3437% | 5,336 |
Return on assets (ROA) | 0.3437% | 5,397 |
Pretax return on assets | 0.3437% | 5,610 |
Return on Equity (ROE) | 7.2420% | 3,330 |
Retained earnings to average equity (ytd only) | 7.2420% | 1,924 |
Net charge-offs to loans | 0.5091% | 725 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 1.0645% | 3,193 |
Efficiency ratio | 90.8231% | 966 |
Assets per employee ($millions) | 3.0767% | 5,732 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1293% | 1,276 |
Loan loss allowance to noncurrent loans | 16.0043% | 6,130 |
Noncurrent assets plus other real estate owned to assets | 16.0493% | 34 |
Noncurrent loans to loans | 13.3047% | 53 |
Net loans and leases to total assets | 60.4440% | 3,486 |
Net loans and leases to deposits | 68.4732% | 3,806 |
Net loans and leases to core deposits | 70.4796% | 4,037 |
Total domestic deposits to total assets | 88.2740% | 2,068 |
Equity capital to assets | 4.8041% | 6,647 |
Core capital (leverage) ratio | 4.8329% | 6,650 |
Tier 1 risk-based capital ratio | 7.6410% | 6,636 |
Total risk-based capital ratio | 8.9014% | 6,637 |
Memoranda: | ||
Average total assets | $192,038,500 | 3,137 |
Average earning assets | $171,142,000 | 3,209 |
Average equity | $9,113,500 | 5,022 |
Average total loans | $121,784,000 | 3,038 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5235% | 2,118 |
Cost of funding earning assets | 0.9958% | 450 |
Net interest margin | 3.5277% | 3,773 |
Noninterest income to average assets | -0.1234% | 6,729 |
Noninterest expense to average assets | 3.8464% | 1,062 |
Loan and lease loss provision to assets | 0.1003% | 3,130 |
Net operating income to assets | -0.8925% | 6,585 |
Return on assets (ROA) | -0.8925% | 6,588 |
Pretax return on assets | -0.8925% | 6,573 |
Return on Equity (ROE) | -19.3567% | 6,681 |
Retained earnings to average equity (ytd only) | -19.3567% | 6,662 |
Net charge-offs to loans | 0.9251% | 655 |
Credit loss provision to net charge-offs | 16.5426% | 4,506 |
Earnings coverage of net charge-offs (x) | -1.3060% | 5,287 |
Efficiency ratio | 125.9363% | 143 |
Assets per employee ($millions) | 2.9725% | 5,868 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1831% | 1,199 |
Loan loss allowance to noncurrent loans | 15.4709% | 6,236 |
Noncurrent assets plus other real estate owned to assets | 16.6298% | 34 |
Noncurrent loans to loans | 14.1113% | 47 |
Net loans and leases to total assets | 63.6838% | 3,100 |
Net loans and leases to deposits | 72.1442% | 3,504 |
Net loans and leases to core deposits | 74.2966% | 3,811 |
Total domestic deposits to total assets | 88.2729% | 2,021 |
Equity capital to assets | 4.6861% | 6,707 |
Core capital (leverage) ratio | 4.6856% | 6,728 |
Tier 1 risk-based capital ratio | 7.3602% | 6,720 |
Total risk-based capital ratio | 8.6213% | 6,719 |
Memoranda: | ||
Average total assets | $199,328,200 | 3,036 |
Average earning assets | $179,551,600 | 3,074 |
Average equity | $9,190,600 | 5,041 |
Average total loans | $130,686,800 | 2,849 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5492% | 2,041 |
Cost of funding earning assets | 1.0042% | 481 |
Net interest margin | 3.5450% | 3,685 |
Noninterest income to average assets | -0.0357% | 6,784 |
Noninterest expense to average assets | 3.6150% | 1,370 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | -0.4497% | 6,579 |
Return on assets (ROA) | -0.4497% | 6,593 |
Pretax return on assets | -0.4497% | 6,579 |
Return on Equity (ROE) | -9.7915% | 6,688 |
Retained earnings to average equity (ytd only) | -9.7915% | 6,633 |
Net charge-offs to loans | 0.4250% | 1,505 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | -1.6114% | 5,055 |
Efficiency ratio | 114.2081% | 217 |
Assets per employee ($millions) | 3.1034% | 5,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6056% | 828 |
Loan loss allowance to noncurrent loans | 16.1237% | 6,311 |
Noncurrent assets plus other real estate owned to assets | 17.6932% | 30 |
Noncurrent loans to loans | 16.1598% | 39 |
Net loans and leases to total assets | 62.9186% | 3,180 |
Net loans and leases to deposits | 70.9038% | 3,652 |
Net loans and leases to core deposits | 73.4573% | 3,911 |
Total domestic deposits to total assets | 88.7380% | 1,703 |
Equity capital to assets | 4.4441% | 6,800 |
Core capital (leverage) ratio | 4.4824% | 6,803 |
Tier 1 risk-based capital ratio | 6.9829% | 6,805 |
Total risk-based capital ratio | 8.2496% | 6,804 |
Memoranda: | ||
Average total assets | $201,599,500 | 3,041 |
Average earning assets | $182,033,750 | 3,076 |
Average equity | $9,259,500 | 5,079 |
Average total loans | $132,394,000 | 2,830 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5594% | 1,994 |
Cost of funding earning assets | 1.0175% | 499 |
Net interest margin | 3.5419% | 3,598 |
Noninterest income to average assets | -0.3605% | 6,892 |
Noninterest expense to average assets | 3.5388% | 1,521 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | -0.6924% | 6,690 |
Return on assets (ROA) | -0.6924% | 6,704 |
Pretax return on assets | -0.6924% | 6,686 |
Return on Equity (ROE) | -14.9212% | 6,797 |
Retained earnings to average equity (ytd only) | -14.9212% | 6,761 |
Net charge-offs to loans | 0.8674% | 718 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | -1.2093% | 4,728 |
Efficiency ratio | 124.3271% | 156 |
Assets per employee ($millions) | 3.0363% | 5,792 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4230% | 1,067 |
Loan loss allowance to noncurrent loans | 14.8922% | 6,380 |
Noncurrent assets plus other real estate owned to assets | 16.9708% | 36 |
Noncurrent loans to loans | 16.2701% | 38 |
Net loans and leases to total assets | 63.8471% | 2,940 |
Net loans and leases to deposits | 71.9252% | 3,455 |
Net loans and leases to core deposits | 75.4989% | 3,607 |
Total domestic deposits to total assets | 88.7689% | 1,747 |
Equity capital to assets | 4.4512% | 6,852 |
Core capital (leverage) ratio | 4.3070% | 6,864 |
Tier 1 risk-based capital ratio | 6.8768% | 6,852 |
Total risk-based capital ratio | 8.1422% | 6,854 |
Memoranda: | ||
Average total assets | $203,627,330 | 3,027 |
Average earning assets | $184,364,670 | 3,057 |
Average equity | $9,449,670 | 5,071 |
Average total loans | $134,423,000 | 2,797 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5741% | 1,913 |
Cost of funding earning assets | 1.0355% | 508 |
Net interest margin | 3.5386% | 3,533 |
Noninterest income to average assets | 0.4720% | 3,979 |
Noninterest expense to average assets | 3.6564% | 1,324 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.0155% | 6,315 |
Return on assets (ROA) | 0.0155% | 6,396 |
Pretax return on assets | 0.0155% | 6,384 |
Return on Equity (ROE) | 0.3271% | 6,366 |
Retained earnings to average equity (ytd only) | 0.3271% | 5,683 |
Net charge-offs to loans | 1.3220% | 428 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 0.0177% | 3,824 |
Efficiency ratio | 99.5785% | 563 |
Assets per employee ($millions) | 3.0695% | 5,873 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4214% | 1,213 |
Loan loss allowance to noncurrent loans | 15.5405% | 6,431 |
Noncurrent assets plus other real estate owned to assets | 17.1034% | 53 |
Noncurrent loans to loans | 15.5813% | 66 |
Net loans and leases to total assets | 63.8603% | 2,735 |
Net loans and leases to deposits | 72.0796% | 3,176 |
Net loans and leases to core deposits | 75.7149% | 3,361 |
Total domestic deposits to total assets | 88.5969% | 1,936 |
Equity capital to assets | 4.8781% | 6,898 |
Core capital (leverage) ratio | 4.5573% | 6,903 |
Tier 1 risk-based capital ratio | 7.1447% | 6,891 |
Total risk-based capital ratio | 8.4139% | 6,892 |
Memoranda: | ||
Average total assets | $206,760,000 | 3,019 |
Average earning assets | $186,966,000 | 3,056 |
Average equity | $9,782,000 | 5,041 |
Average total loans | $137,065,000 | 2,777 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0554% | 1,418 |
Cost of funding earning assets | 1.2087% | 554 |
Net interest margin | 3.8466% | 3,036 |
Noninterest income to average assets | 0.2267% | 5,822 |
Noninterest expense to average assets | 3.5692% | 1,682 |
Loan and lease loss provision to assets | 0.8099% | 596 |
Net operating income to assets | -0.6507% | 6,630 |
Return on assets (ROA) | -0.6507% | 6,662 |
Pretax return on assets | -0.6507% | 6,636 |
Return on Equity (ROE) | -14.5813% | 6,819 |
Retained earnings to average equity (ytd only) | -14.5813% | 6,769 |
Net charge-offs to loans | 4.5711% | 44 |
Credit loss provision to net charge-offs | 24.7264% | 5,206 |
Earnings coverage of net charge-offs (x) | 0.0486% | 5,467 |
Efficiency ratio | 95.7303% | 719 |
Assets per employee ($millions) | 2.9277% | 6,114 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6609% | 964 |
Loan loss allowance to noncurrent loans | 19.1165% | 6,413 |
Noncurrent assets plus other real estate owned to assets | 16.1894% | 65 |
Noncurrent loans to loans | 13.9194% | 104 |
Net loans and leases to total assets | 65.3434% | 2,643 |
Net loans and leases to deposits | 73.4846% | 3,176 |
Net loans and leases to core deposits | 79.6381% | 3,057 |
Total domestic deposits to total assets | 88.9212% | 1,616 |
Equity capital to assets | 4.5857% | 6,974 |
Core capital (leverage) ratio | 4.2207% | 6,976 |
Tier 1 risk-based capital ratio | 6.5363% | 6,972 |
Total risk-based capital ratio | 7.8066% | 6,974 |
Memoranda: | ||
Average total assets | $214,841,000 | 2,887 |
Average earning assets | $195,574,600 | 2,889 |
Average equity | $9,587,600 | 5,083 |
Average total loans | $153,946,200 | 2,516 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1667% | 1,262 |
Cost of funding earning assets | 1.2397% | 576 |
Net interest margin | 3.9270% | 2,813 |
Noninterest income to average assets | 0.2542% | 5,750 |
Noninterest expense to average assets | 3.4917% | 1,783 |
Loan and lease loss provision to assets | 1.0711% | 367 |
Net operating income to assets | -0.7264% | 6,786 |
Return on assets (ROA) | -0.7264% | 6,812 |
Pretax return on assets | -0.7264% | 6,787 |
Return on Equity (ROE) | -16.3859% | 6,948 |
Retained earnings to average equity (ytd only) | -16.3859% | 6,927 |
Net charge-offs to loans | 4.6782% | 51 |
Credit loss provision to net charge-offs | 31.4761% | 4,777 |
Earnings coverage of net charge-offs (x) | 0.1013% | 5,287 |
Efficiency ratio | 91.0141% | 960 |
Assets per employee ($millions) | 3.0161% | 6,025 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5316% | 455 |
Loan loss allowance to noncurrent loans | 26.5737% | 6,284 |
Noncurrent assets plus other real estate owned to assets | 15.8403% | 78 |
Noncurrent loans to loans | 13.2896% | 126 |
Net loans and leases to total assets | 67.5639% | 2,356 |
Net loans and leases to deposits | 75.8843% | 3,000 |
Net loans and leases to core deposits | 81.9648% | 2,966 |
Total domestic deposits to total assets | 89.0355% | 1,406 |
Equity capital to assets | 4.6029% | 7,070 |
Core capital (leverage) ratio | 4.2171% | 7,078 |
Tier 1 risk-based capital ratio | 6.3231% | 7,078 |
Total risk-based capital ratio | 7.6032% | 7,077 |
Memoranda: | ||
Average total assets | $216,585,000 | 2,900 |
Average earning assets | $197,566,250 | 2,890 |
Average equity | $9,601,500 | 5,129 |
Average total loans | $157,548,000 | 2,486 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1242% | 1,442 |
Cost of funding earning assets | 1.2585% | 624 |
Net interest margin | 3.8657% | 3,061 |
Noninterest income to average assets | 0.1291% | 6,542 |
Noninterest expense to average assets | 3.3772% | 2,082 |
Loan and lease loss provision to assets | 1.5934% | 219 |
Net operating income to assets | -1.3086% | 6,981 |
Return on assets (ROA) | -1.3086% | 7,000 |
Pretax return on assets | -1.3086% | 6,975 |
Return on Equity (ROE) | -29.8871% | 7,101 |
Retained earnings to average equity (ytd only) | -29.8871% | 7,089 |
Net charge-offs to loans | 6.0221% | 35 |
Credit loss provision to net charge-offs | 35.9430% | 4,342 |
Earnings coverage of net charge-offs (x) | 0.0642% | 5,050 |
Efficiency ratio | 92.2231% | 919 |
Assets per employee ($millions) | 3.2181% | 5,612 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.8521% | 383 |
Loan loss allowance to noncurrent loans | 24.6970% | 6,377 |
Noncurrent assets plus other real estate owned to assets | 16.9784% | 69 |
Noncurrent loans to loans | 15.5976% | 89 |
Net loans and leases to total assets | 68.4025% | 2,213 |
Net loans and leases to deposits | 76.5167% | 2,913 |
Net loans and leases to core deposits | 84.0084% | 2,687 |
Total domestic deposits to total assets | 89.3955% | 1,277 |
Equity capital to assets | 4.2706% | 7,128 |
Core capital (leverage) ratio | 4.0209% | 7,133 |
Tier 1 risk-based capital ratio | 5.8687% | 7,132 |
Total risk-based capital ratio | 7.1523% | 7,131 |
Memoranda: | ||
Average total assets | $218,404,670 | 2,886 |
Average earning assets | $199,601,330 | 2,873 |
Average equity | $9,562,670 | 5,143 |
Average total loans | $160,775,000 | 2,455 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2234% | 1,266 |
Cost of funding earning assets | 1.2884% | 661 |
Net interest margin | 3.9350% | 2,786 |
Noninterest income to average assets | 0.2948% | 5,511 |
Noninterest expense to average assets | 3.4504% | 1,874 |
Loan and lease loss provision to assets | 2.6661% | 89 |
Net operating income to assets | -2.2257% | 7,171 |
Return on assets (ROA) | -2.2257% | 7,174 |
Pretax return on assets | -2.2257% | 7,156 |
Return on Equity (ROE) | -50.2259% | 7,229 |
Retained earnings to average equity (ytd only) | -50.2259% | 7,216 |
Net charge-offs to loans | 7.4715% | 36 |
Credit loss provision to net charge-offs | 47.6888% | 3,319 |
Earnings coverage of net charge-offs (x) | 0.0788% | 4,328 |
Efficiency ratio | 88.6810% | 1,209 |
Assets per employee ($millions) | 3.2644% | 5,633 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.5910% | 237 |
Loan loss allowance to noncurrent loans | 33.8702% | 5,974 |
Noncurrent assets plus other real estate owned to assets | 15.6348% | 95 |
Noncurrent loans to loans | 13.5546% | 150 |
Net loans and leases to total assets | 70.3411% | 1,700 |
Net loans and leases to deposits | 78.5608% | 2,404 |
Net loans and leases to core deposits | 86.3485% | 2,249 |
Total domestic deposits to total assets | 89.5372% | 1,346 |
Equity capital to assets | 4.2246% | 7,171 |
Core capital (leverage) ratio | 4.0673% | 7,171 |
Tier 1 risk-based capital ratio | 5.8415% | 7,180 |
Total risk-based capital ratio | 7.1361% | 7,180 |
Memoranda: | ||
Average total assets | $219,799,500 | 2,896 |
Average earning assets | $200,866,500 | 2,888 |
Average equity | $9,740,000 | 5,108 |
Average total loans | $164,465,000 | 2,422 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4839% | 1,202 |
Cost of funding earning assets | 1.7084% | 312 |
Net interest margin | 3.7756% | 3,946 |
Noninterest income to average assets | -0.1695% | 7,148 |
Noninterest expense to average assets | 3.0274% | 3,494 |
Loan and lease loss provision to assets | 4.2424% | 42 |
Net operating income to assets | -3.9522% | 7,251 |
Return on assets (ROA) | -3.6184% | 7,233 |
Pretax return on assets | -3.6184% | 7,242 |
Return on Equity (ROE) | -58.2502% | 7,237 |
Retained earnings to average equity (ytd only) | -58.2502% | 7,237 |
Net charge-offs to loans | 3.5567% | 209 |
Credit loss provision to net charge-offs | 159.0978% | 1,742 |
Earnings coverage of net charge-offs (x) | 0.1088% | 5,754 |
Efficiency ratio | 90.9478% | 1,118 |
Assets per employee ($millions) | 2.9849% | 6,117 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 5.3734% | 143 |
Loan loss allowance to noncurrent loans | 42.7055% | 5,446 |
Noncurrent assets plus other real estate owned to assets | 14.8672% | 126 |
Noncurrent loans to loans | 12.5824% | 193 |
Net loans and leases to total assets | 71.8343% | 1,674 |
Net loans and leases to deposits | 80.4369% | 2,441 |
Net loans and leases to core deposits | 88.6691% | 2,300 |
Total domestic deposits to total assets | 89.3051% | 1,365 |
Equity capital to assets | 4.6360% | 7,189 |
Core capital (leverage) ratio | 4.4432% | 7,179 |
Tier 1 risk-based capital ratio | 6.7106% | 7,174 |
Total risk-based capital ratio | 8.0184% | 7,174 |
Memoranda: | ||
Average total assets | $247,734,400 | 2,544 |
Average earning assets | $228,813,400 | 2,520 |
Average equity | $15,388,800 | 3,838 |
Average total loans | $185,734,000 | 2,172 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4704% | 1,335 |
Cost of funding earning assets | 1.6027% | 576 |
Net interest margin | 3.8677% | 3,529 |
Noninterest income to average assets | -0.3170% | 7,302 |
Noninterest expense to average assets | 3.0203% | 3,482 |
Loan and lease loss provision to assets | 3.8461% | 64 |
Net operating income to assets | -3.6035% | 7,307 |
Return on assets (ROA) | -3.6093% | 7,311 |
Pretax return on assets | -3.6093% | 7,309 |
Return on Equity (ROE) | -55.0718% | 7,307 |
Retained earnings to average equity (ytd only) | -55.0718% | 7,303 |
Net charge-offs to loans | 3.9001% | 180 |
Credit loss provision to net charge-offs | 131.8958% | 2,416 |
Earnings coverage of net charge-offs (x) | 0.0832% | 5,544 |
Efficiency ratio | 92.2595% | 1,014 |
Assets per employee ($millions) | 3.0652% | 5,978 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9163% | 422 |
Loan loss allowance to noncurrent loans | 34.1132% | 6,013 |
Noncurrent assets plus other real estate owned to assets | 13.6461% | 171 |
Noncurrent loans to loans | 11.4803% | 258 |
Net loans and leases to total assets | 71.5393% | 1,811 |
Net loans and leases to deposits | 83.3198% | 2,125 |
Net loans and leases to core deposits | 93.7351% | 1,815 |
Total domestic deposits to total assets | 85.8612% | 3,295 |
Equity capital to assets | 5.4394% | 7,231 |
Core capital (leverage) ratio | 4.7490% | 7,257 |
Tier 1 risk-based capital ratio | 6.7739% | 7,260 |
Total risk-based capital ratio | 8.0583% | 7,261 |
Memoranda: | ||
Average total assets | $254,447,500 | 2,489 |
Average earning assets | $235,515,250 | 2,456 |
Average equity | $16,676,000 | 3,631 |
Average total loans | $190,247,750 | 2,149 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4089% | 1,533 |
Cost of funding earning assets | 1.6395% | 594 |
Net interest margin | 3.7694% | 3,941 |
Noninterest income to average assets | 0.1228% | 6,717 |
Noninterest expense to average assets | 2.8290% | 4,315 |
Loan and lease loss provision to assets | 2.3715% | 226 |
Net operating income to assets | -1.5803% | 7,119 |
Return on assets (ROA) | -1.5887% | 7,133 |
Pretax return on assets | -1.5887% | 7,095 |
Return on Equity (ROE) | -23.0572% | 7,179 |
Retained earnings to average equity (ytd only) | -23.0572% | 7,167 |
Net charge-offs to loans | 1.4619% | 1,025 |
Credit loss provision to net charge-offs | 216.6900% | 1,375 |
Earnings coverage of net charge-offs (x) | 0.7230% | 4,750 |
Efficiency ratio | 77.8885% | 2,731 |
Assets per employee ($millions) | 3.2045% | 5,632 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6144% | 554 |
Loan loss allowance to noncurrent loans | 27.1666% | 6,419 |
Noncurrent assets plus other real estate owned to assets | 14.3832% | 165 |
Noncurrent loans to loans | 13.3046% | 192 |
Net loans and leases to total assets | 73.1774% | 1,559 |
Net loans and leases to deposits | 86.4215% | 1,728 |
Net loans and leases to core deposits | 97.1500% | 1,568 |
Total domestic deposits to total assets | 84.6750% | 4,037 |
Equity capital to assets | 6.9918% | 7,104 |
Core capital (leverage) ratio | 6.4415% | 7,134 |
Tier 1 risk-based capital ratio | 9.1171% | 7,161 |
Total risk-based capital ratio | 10.3985% | 7,158 |
Memoranda: | ||
Average total assets | $260,591,000 | 2,451 |
Average earning assets | $241,787,330 | 2,409 |
Average equity | $17,955,330 | 3,421 |
Average total loans | $195,088,000 | 2,126 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4805% | 1,352 |
Cost of funding earning assets | 1.6938% | 568 |
Net interest margin | 3.7866% | 3,673 |
Noninterest income to average assets | 0.0508% | 7,131 |
Noninterest expense to average assets | 2.7288% | 4,723 |
Loan and lease loss provision to assets | 1.4803% | 438 |
Net operating income to assets | -0.6385% | 6,888 |
Return on assets (ROA) | -0.6624% | 6,903 |
Pretax return on assets | -0.6624% | 6,854 |
Return on Equity (ROE) | -9.6794% | 7,020 |
Retained earnings to average equity (ytd only) | -9.6794% | 6,853 |
Net charge-offs to loans | 1.1158% | 1,244 |
Credit loss provision to net charge-offs | 178.3784% | 1,642 |
Earnings coverage of net charge-offs (x) | 1.0144% | 3,895 |
Efficiency ratio | 76.1725% | 3,133 |
Assets per employee ($millions) | 3.5218% | 4,943 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8417% | 1,067 |
Loan loss allowance to noncurrent loans | 28.1806% | 6,401 |
Noncurrent assets plus other real estate owned to assets | 11.5337% | 296 |
Noncurrent loans to loans | 10.0840% | 401 |
Net loans and leases to total assets | 72.7063% | 1,572 |
Net loans and leases to deposits | 87.4663% | 1,521 |
Net loans and leases to core deposits | 98.3530% | 1,486 |
Total domestic deposits to total assets | 83.1250% | 4,879 |
Equity capital to assets | 7.0189% | 7,077 |
Core capital (leverage) ratio | 6.6530% | 7,131 |
Tier 1 risk-based capital ratio | 9.4525% | 7,154 |
Total risk-based capital ratio | 10.7232% | 7,157 |
Memoranda: | ||
Average total assets | $267,513,000 | 2,407 |
Average earning assets | $248,664,500 | 2,359 |
Average equity | $18,307,000 | 3,355 |
Average total loans | $198,965,000 | 2,119 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6350% | 1,783 |
Cost of funding earning assets | 1.9002% | 841 |
Net interest margin | 3.7348% | 4,208 |
Noninterest income to average assets | 0.0867% | 6,963 |
Noninterest expense to average assets | 2.6208% | 5,331 |
Loan and lease loss provision to assets | 3.9303% | 166 |
Net operating income to assets | -2.9342% | 7,284 |
Return on assets (ROA) | -2.6889% | 7,240 |
Pretax return on assets | -2.6889% | 7,220 |
Return on Equity (ROE) | -35.5878% | 7,294 |
Retained earnings to average equity (ytd only) | -35.5878% | 7,285 |
Net charge-offs to loans | 4.7996% | 201 |
Credit loss provision to net charge-offs | 109.7030% | 4,021 |
Earnings coverage of net charge-offs (x) | 0.2780% | 5,830 |
Efficiency ratio | 72.2623% | 3,740 |
Assets per employee ($millions) | 3.7083% | 4,442 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5169% | 1,393 |
Loan loss allowance to noncurrent loans | 29.2380% | 6,338 |
Noncurrent assets plus other real estate owned to assets | 9.8074% | 423 |
Noncurrent loans to loans | 8.6083% | 565 |
Net loans and leases to total assets | 72.0807% | 2,088 |
Net loans and leases to deposits | 85.8768% | 2,126 |
Net loans and leases to core deposits | 102.1779% | 1,439 |
Total domestic deposits to total assets | 83.9350% | 4,386 |
Equity capital to assets | 6.6767% | 7,217 |
Core capital (leverage) ratio | 6.2203% | 7,257 |
Tier 1 risk-based capital ratio | 9.2155% | 7,198 |
Total risk-based capital ratio | 10.4824% | 7,201 |
Memoranda: | ||
Average total assets | $295,140,400 | 2,179 |
Average earning assets | $278,970,200 | 2,120 |
Average equity | $22,299,800 | 2,845 |
Average total loans | $220,309,200 | 1,968 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6863% | 1,756 |
Cost of funding earning assets | 1.9064% | 1,013 |
Net interest margin | 3.7800% | 4,057 |
Noninterest income to average assets | 0.1989% | 6,472 |
Noninterest expense to average assets | 2.6043% | 5,312 |
Loan and lease loss provision to assets | 4.1332% | 144 |
Net operating income to assets | -2.9550% | 7,443 |
Return on assets (ROA) | -2.8564% | 7,437 |
Pretax return on assets | -2.8564% | 7,388 |
Return on Equity (ROE) | -36.8265% | 7,465 |
Retained earnings to average equity (ytd only) | -36.8265% | 7,462 |
Net charge-offs to loans | 3.2428% | 443 |
Credit loss provision to net charge-offs | 170.3880% | 2,179 |
Earnings coverage of net charge-offs (x) | 0.4857% | 5,537 |
Efficiency ratio | 68.6620% | 4,344 |
Assets per employee ($millions) | 4.3599% | 3,147 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6660% | 479 |
Loan loss allowance to noncurrent loans | 46.3974% | 5,194 |
Noncurrent assets plus other real estate owned to assets | 7.7593% | 658 |
Noncurrent loans to loans | 7.9013% | 664 |
Net loans and leases to total assets | 67.2919% | 3,382 |
Net loans and leases to deposits | 79.3059% | 3,580 |
Net loans and leases to core deposits | 93.0564% | 2,653 |
Total domestic deposits to total assets | 84.8511% | 3,695 |
Equity capital to assets | 6.8166% | 7,378 |
Core capital (leverage) ratio | 6.4441% | 7,347 |
Tier 1 risk-based capital ratio | 9.5501% | 7,242 |
Total risk-based capital ratio | 10.8324% | 7,223 |
Memoranda: | ||
Average total assets | $300,321,500 | 2,184 |
Average earning assets | $284,723,000 | 2,107 |
Average equity | $23,294,250 | 2,771 |
Average total loans | $224,659,500 | 1,960 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9301% | 1,106 |
Cost of funding earning assets | 1.9455% | 1,057 |
Net interest margin | 3.9846% | 3,091 |
Noninterest income to average assets | 0.3997% | 4,918 |
Noninterest expense to average assets | 2.7203% | 4,832 |
Loan and lease loss provision to assets | 3.2364% | 291 |
Net operating income to assets | -1.7756% | 7,251 |
Return on assets (ROA) | -1.7756% | 7,254 |
Pretax return on assets | -1.7756% | 7,167 |
Return on Equity (ROE) | -21.9685% | 7,318 |
Retained earnings to average equity (ytd only) | -21.9685% | 7,303 |
Net charge-offs to loans | 2.2939% | 776 |
Credit loss provision to net charge-offs | 184.3618% | 2,138 |
Earnings coverage of net charge-offs (x) | 0.8321% | 4,938 |
Efficiency ratio | 64.9018% | 5,165 |
Assets per employee ($millions) | 3.7171% | 4,415 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7842% | 1,012 |
Loan loss allowance to noncurrent loans | 56.1746% | 4,563 |
Noncurrent assets plus other real estate owned to assets | 5.4054% | 1,150 |
Noncurrent loans to loans | 4.9563% | 1,400 |
Net loans and leases to total assets | 74.6971% | 1,767 |
Net loans and leases to deposits | 89.7250% | 1,908 |
Net loans and leases to core deposits | 107.0586% | 1,368 |
Total domestic deposits to total assets | 83.2511% | 4,466 |
Equity capital to assets | 7.9343% | 6,826 |
Core capital (leverage) ratio | 7.3442% | 6,964 |
Tier 1 risk-based capital ratio | 10.1216% | 6,955 |
Total risk-based capital ratio | 11.3922% | 6,913 |
Memoranda: | ||
Average total assets | $297,244,330 | 2,213 |
Average earning assets | $282,086,670 | 2,145 |
Average equity | $24,025,330 | 2,695 |
Average total loans | $227,469,000 | 1,961 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9703% | 1,032 |
Cost of funding earning assets | 1.9652% | 1,195 |
Net interest margin | 4.0051% | 2,854 |
Noninterest income to average assets | 0.3424% | 5,400 |
Noninterest expense to average assets | 2.8438% | 4,309 |
Loan and lease loss provision to assets | 2.8424% | 361 |
Net operating income to assets | -1.5409% | 7,344 |
Return on assets (ROA) | -1.5409% | 7,347 |
Pretax return on assets | -1.5409% | 7,268 |
Return on Equity (ROE) | -18.8942% | 7,417 |
Retained earnings to average equity (ytd only) | -18.8942% | 7,345 |
Net charge-offs to loans | 1.1629% | 1,451 |
Credit loss provision to net charge-offs | 320.0301% | 1,244 |
Earnings coverage of net charge-offs (x) | 1.4654% | 3,860 |
Efficiency ratio | 68.4414% | 4,637 |
Assets per employee ($millions) | 3.6901% | 4,594 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4498% | 1,360 |
Loan loss allowance to noncurrent loans | 49.1704% | 5,053 |
Noncurrent assets plus other real estate owned to assets | 5.3119% | 1,178 |
Noncurrent loans to loans | 4.9823% | 1,459 |
Net loans and leases to total assets | 73.8310% | 2,008 |
Net loans and leases to deposits | 88.7301% | 2,088 |
Net loans and leases to core deposits | 117.0259% | 902 |
Total domestic deposits to total assets | 83.2085% | 4,518 |
Equity capital to assets | 8.0995% | 6,540 |
Core capital (leverage) ratio | 7.6720% | 6,659 |
Tier 1 risk-based capital ratio | 10.5138% | 6,618 |
Total risk-based capital ratio | 11.7795% | 6,595 |
Memoranda: | ||
Average total assets | $299,041,500 | 2,255 |
Average earning assets | $283,937,500 | 2,182 |
Average equity | $24,388,500 | 2,682 |
Average total loans | $228,388,500 | 2,004 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9862% | 1,923 |
Cost of funding earning assets | 2.3929% | 1,324 |
Net interest margin | 3.5933% | 4,574 |
Noninterest income to average assets | 0.2963% | 5,992 |
Noninterest expense to average assets | 2.7429% | 5,185 |
Loan and lease loss provision to assets | 0.9172% | 2,449 |
Net operating income to assets | 0.0416% | 5,357 |
Return on assets (ROA) | -0.5241% | 6,203 |
Pretax return on assets | -0.5241% | 6,028 |
Return on Equity (ROE) | -6.7849% | 6,371 |
Retained earnings to average equity (ytd only) | -7.5107% | 6,290 |
Net charge-offs to loans | 1.0524% | 2,304 |
Credit loss provision to net charge-offs | 116.9526% | 4,638 |
Earnings coverage of net charge-offs (x) | 1.2226% | 4,899 |
Efficiency ratio | 73.9161% | 3,912 |
Assets per employee ($millions) | 3.6937% | 4,532 |
Cash dividends to net income (ytd only)* | -10.6968% | 7,615 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7701% | 2,640 |
Loan loss allowance to noncurrent loans | 39.4872% | 5,778 |
Noncurrent assets plus other real estate owned to assets | 4.8929% | 1,275 |
Noncurrent loans to loans | 4.4826% | 1,587 |
Net loans and leases to total assets | 75.6971% | 1,880 |
Net loans and leases to deposits | 92.9563% | 1,740 |
Net loans and leases to core deposits | 141.8694% | 736 |
Total domestic deposits to total assets | 81.4330% | 5,181 |
Equity capital to assets | 8.2116% | 6,332 |
Core capital (leverage) ratio | 7.7322% | 6,523 |
Tier 1 risk-based capital ratio | 10.7116% | 6,192 |
Total risk-based capital ratio | 11.9685% | 6,165 |
Memoranda: | ||
Average total assets | $312,147,400 | 2,152 |
Average earning assets | $295,828,400 | 2,100 |
Average equity | $24,112,400 | 2,711 |
Average total loans | $232,615,400 | 2,013 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0464% | 1,854 |
Cost of funding earning assets | 2.4420% | 1,483 |
Net interest margin | 3.6045% | 4,465 |
Noninterest income to average assets | 0.3065% | 6,026 |
Noninterest expense to average assets | 2.6578% | 5,497 |
Loan and lease loss provision to assets | 0.4845% | 3,479 |
Net operating income to assets | 0.5775% | 3,693 |
Return on assets (ROA) | -0.1699% | 6,022 |
Pretax return on assets | -0.1699% | 5,933 |
Return on Equity (ROE) | -2.2334% | 6,125 |
Retained earnings to average equity (ytd only) | -3.2057% | 5,978 |
Net charge-offs to loans | 0.1241% | 5,453 |
Credit loss provision to net charge-offs | 528.1106% | 743 |
Earnings coverage of net charge-offs (x) | 11.5759% | 1,840 |
Efficiency ratio | 71.4513% | 4,338 |
Assets per employee ($millions) | 4.7336% | 2,503 |
Cash dividends to net income (ytd only)* | -43.5325% | 7,917 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9225% | 1,973 |
Loan loss allowance to noncurrent loans | 89.3100% | 3,072 |
Noncurrent assets plus other real estate owned to assets | 2.6634% | 2,615 |
Noncurrent loans to loans | 2.1527% | 3,444 |
Net loans and leases to total assets | 71.7695% | 3,089 |
Net loans and leases to deposits | 85.0077% | 3,499 |
Net loans and leases to core deposits | 139.9893% | 915 |
Total domestic deposits to total assets | 84.4271% | 3,517 |
Equity capital to assets | 7.6459% | 7,195 |
Core capital (leverage) ratio | 7.7309% | 6,687 |
Tier 1 risk-based capital ratio | 10.1883% | 6,790 |
Total risk-based capital ratio | 11.4465% | 6,723 |
Memoranda: | ||
Average total assets | $315,387,500 | 2,145 |
Average earning assets | $298,659,000 | 2,101 |
Average equity | $23,998,500 | 2,755 |
Average total loans | $233,130,000 | 2,034 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0912% | 1,819 |
Cost of funding earning assets | 2.5289% | 1,511 |
Net interest margin | 3.5624% | 4,529 |
Noninterest income to average assets | 0.3113% | 6,017 |
Noninterest expense to average assets | 2.7608% | 5,127 |
Loan and lease loss provision to assets | 0.3979% | 3,530 |
Net operating income to assets | 0.5083% | 4,053 |
Return on assets (ROA) | -0.3125% | 6,353 |
Pretax return on assets | -0.3125% | 6,244 |
Return on Equity (ROE) | -4.1143% | 6,494 |
Retained earnings to average equity (ytd only) | -5.5927% | 6,394 |
Net charge-offs to loans | 0.0709% | 5,515 |
Credit loss provision to net charge-offs | 756.0976% | 621 |
Earnings coverage of net charge-offs (x) | 17.2195% | 1,490 |
Efficiency ratio | 75.2888% | 3,830 |
Assets per employee ($millions) | 4.2870% | 3,142 |
Cash dividends to net income (ytd only)* | -35.9343% | 7,986 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7930% | 2,066 |
Loan loss allowance to noncurrent loans | 77.9529% | 3,590 |
Noncurrent assets plus other real estate owned to assets | 2.8688% | 2,235 |
Noncurrent loans to loans | 2.3001% | 3,139 |
Net loans and leases to total assets | 75.6512% | 2,268 |
Net loans and leases to deposits | 90.3638% | 2,775 |
Net loans and leases to core deposits | 141.6475% | 945 |
Total domestic deposits to total assets | 83.7185% | 3,911 |
Equity capital to assets | 7.6819% | 7,098 |
Core capital (leverage) ratio | 7.6980% | 6,761 |
Tier 1 risk-based capital ratio | 10.0923% | 6,828 |
Total risk-based capital ratio | 11.3485% | 6,749 |
Memoranda: | ||
Average total assets | $311,644,000 | 2,187 |
Average earning assets | $293,569,000 | 2,148 |
Average equity | $23,673,670 | 2,794 |
Average total loans | $231,171,000 | 2,073 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9312% | 2,645 |
Cost of funding earning assets | 2.5750% | 1,638 |
Net interest margin | 3.3562% | 5,300 |
Noninterest income to average assets | 0.4390% | 4,881 |
Noninterest expense to average assets | 2.6389% | 5,276 |
Loan and lease loss provision to assets | 0.3806% | 3,039 |
Net operating income to assets | 0.5811% | 4,100 |
Return on assets (ROA) | 0.5811% | 4,294 |
Pretax return on assets | 0.5811% | 4,815 |
Return on Equity (ROE) | 7.6912% | 3,286 |
Retained earnings to average equity (ytd only) | 7.6912% | 1,932 |
Net charge-offs to loans | -0.1429% | 7,964 |
Credit loss provision to net charge-offs | -365.8537% | 6,352 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2911% | 3,950 |
Assets per employee ($millions) | 4.2927% | 3,092 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7527% | 1,975 |
Loan loss allowance to noncurrent loans | 79.6850% | 3,682 |
Noncurrent assets plus other real estate owned to assets | 2.7461% | 2,068 |
Noncurrent loans to loans | 2.1995% | 2,976 |
Net loans and leases to total assets | 70.4794% | 3,576 |
Net loans and leases to deposits | 83.6781% | 4,028 |
Net loans and leases to core deposits | 131.7890% | 1,548 |
Total domestic deposits to total assets | 84.2268% | 3,588 |
Equity capital to assets | 7.6651% | 7,210 |
Core capital (leverage) ratio | 7.6502% | 6,950 |
Tier 1 risk-based capital ratio | 10.0823% | 6,824 |
Total risk-based capital ratio | 11.3372% | 6,739 |
Memoranda: | ||
Average total assets | $315,277,500 | 2,183 |
Average earning assets | $297,004,000 | 2,140 |
Average equity | $23,819,500 | 2,790 |
Average total loans | $229,522,000 | 2,099 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0369% | 1,038 |
Cost of funding earning assets | 3.1496% | 1,354 |
Net interest margin | 3.8873% | 3,631 |
Noninterest income to average assets | 0.4270% | 5,241 |
Noninterest expense to average assets | 2.5263% | 5,903 |
Loan and lease loss provision to assets | 1.2553% | 1,139 |
Net operating income to assets | 0.3245% | 5,466 |
Return on assets (ROA) | 0.4166% | 4,901 |
Pretax return on assets | 0.4166% | 5,213 |
Return on Equity (ROE) | 5.4851% | 4,167 |
Retained earnings to average equity (ytd only) | -1.0122% | 5,606 |
Net charge-offs to loans | 1.3000% | 923 |
Credit loss provision to net charge-offs | 128.0014% | 4,164 |
Earnings coverage of net charge-offs (x) | 1.6109% | 5,284 |
Efficiency ratio | 61.3477% | 6,098 |
Assets per employee ($millions) | 3.9565% | 3,607 |
Cash dividends to net income (ytd only)* | 118.4539% | 698 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6073% | 2,215 |
Loan loss allowance to noncurrent loans | 66.7881% | 4,678 |
Noncurrent assets plus other real estate owned to assets | 2.7728% | 1,702 |
Noncurrent loans to loans | 2.4065% | 2,280 |
Net loans and leases to total assets | 72.7214% | 3,428 |
Net loans and leases to deposits | 87.1880% | 3,913 |
Net loans and leases to core deposits | 142.8350% | 1,139 |
Total domestic deposits to total assets | 83.4075% | 3,608 |
Equity capital to assets | 7.4403% | 7,437 |
Core capital (leverage) ratio | 7.5962% | 7,080 |
Tier 1 risk-based capital ratio | 9.4314% | 7,383 |
Total risk-based capital ratio | 10.6847% | 7,295 |
Memoranda: | ||
Average total assets | $288,764,400 | 2,262 |
Average earning assets | $273,303,600 | 2,210 |
Average equity | $21,932,000 | 2,983 |
Average total loans | $217,839,000 | 2,151 |