Home > Metro Bank > Performance and Condition Ratios
Metro Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6371% | 2,808 |
Cost of funding earning assets | 0.8365% | 3,642 |
Net interest margin | 3.8006% | 1,560 |
Noninterest income to average assets | 0.5000% | 1,995 |
Noninterest expense to average assets | 2.0048% | 3,614 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 1.6441% | 803 |
Return on assets (ROA) | 1.6441% | 774 |
Pretax return on assets | 2.1219% | 549 |
Return on Equity (ROE) | 12.0900% | 1,931 |
Retained earnings to average equity (ytd only) | 9.2000% | 1,208 |
Net charge-offs to loans | 0.0175% | 2,014 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 256.2262% | 484 |
Efficiency ratio | 48.5809% | 4,060 |
Assets per employee ($millions) | 6.1569% | 2,687 |
Cash dividends to net income (ytd only)* | 23.9266% | 2,799 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3789% | 1,466 |
Loan loss allowance to noncurrent loans | 438.1830% | 1,574 |
Noncurrent assets plus other real estate owned to assets | 0.2189% | 2,133 |
Noncurrent loans to loans | 0.3147% | 2,063 |
Net loans and leases to total assets | 48.5600% | 3,697 |
Net loans and leases to deposits | 56.9664% | 3,666 |
Net loans and leases to core deposits | 63.5686% | 3,607 |
Total domestic deposits to total assets | 85.2400% | 2,230 |
Equity capital to assets | 14.1135% | 662 |
Core capital (leverage) ratio | 14.8552% | 642 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $1,014,318,800 | 975 |
Average earning assets | $967,413,600 | 938 |
Average equity | $137,890,800 | 719 |
Average total loans | $480,460,600 | 1,274 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5728% | 2,745 |
Cost of funding earning assets | 0.7242% | 3,715 |
Net interest margin | 3.8486% | 1,496 |
Noninterest income to average assets | 0.5000% | 1,963 |
Noninterest expense to average assets | 2.0189% | 3,546 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.6483% | 865 |
Return on assets (ROA) | 1.6483% | 857 |
Pretax return on assets | 2.1434% | 603 |
Return on Equity (ROE) | 12.2400% | 2,066 |
Retained earnings to average equity (ytd only) | 12.2422% | 932 |
Net charge-offs to loans | 0.0227% | 1,637 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 201.2346% | 597 |
Efficiency ratio | 48.5041% | 4,015 |
Assets per employee ($millions) | 6.0806% | 2,674 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5575% | 967 |
Loan loss allowance to noncurrent loans | 417.5824% | 1,633 |
Noncurrent assets plus other real estate owned to assets | 0.2480% | 2,014 |
Noncurrent loans to loans | 0.3730% | 1,896 |
Net loans and leases to total assets | 47.5900% | 3,759 |
Net loans and leases to deposits | 55.7625% | 3,725 |
Net loans and leases to core deposits | 61.6604% | 3,627 |
Total domestic deposits to total assets | 85.3400% | 2,401 |
Equity capital to assets | 14.0290% | 647 |
Core capital (leverage) ratio | 14.6868% | 683 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $1,013,926,750 | 975 |
Average earning assets | $964,547,750 | 936 |
Average equity | $136,519,250 | 723 |
Average total loans | $475,533,750 | 1,282 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4643% | 2,735 |
Cost of funding earning assets | 0.5957% | 3,762 |
Net interest margin | 3.8686% | 1,488 |
Noninterest income to average assets | 0.4900% | 1,926 |
Noninterest expense to average assets | 1.9686% | 3,662 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.7171% | 760 |
Return on assets (ROA) | 1.7171% | 758 |
Pretax return on assets | 2.1996% | 535 |
Return on Equity (ROE) | 12.9300% | 1,915 |
Retained earnings to average equity (ytd only) | 12.9324% | 817 |
Net charge-offs to loans | 0.0263% | 1,360 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 180.1290% | 664 |
Efficiency ratio | 47.2287% | 4,109 |
Assets per employee ($millions) | 6.1358% | 2,587 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5715% | 992 |
Loan loss allowance to noncurrent loans | 467.7103% | 1,633 |
Noncurrent assets plus other real estate owned to assets | 0.2434% | 1,979 |
Noncurrent loans to loans | 0.3360% | 1,923 |
Net loans and leases to total assets | 46.8500% | 3,750 |
Net loans and leases to deposits | 54.5270% | 3,717 |
Net loans and leases to core deposits | 59.3126% | 3,669 |
Total domestic deposits to total assets | 85.9300% | 2,250 |
Equity capital to assets | 13.5980% | 703 |
Core capital (leverage) ratio | 14.4573% | 686 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $1,015,441,667 | 962 |
Average earning assets | $964,179,667 | 927 |
Average equity | $134,823,667 | 724 |
Average total loans | $471,390,333 | 1,275 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2904% | 2,824 |
Cost of funding earning assets | 0.4798% | 3,759 |
Net interest margin | 3.8106% | 1,666 |
Noninterest income to average assets | 0.4800% | 1,921 |
Noninterest expense to average assets | 1.9009% | 3,848 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.7176% | 795 |
Return on assets (ROA) | 1.7176% | 787 |
Pretax return on assets | 2.2103% | 560 |
Return on Equity (ROE) | 13.0100% | 1,984 |
Retained earnings to average equity (ytd only) | 13.0104% | 1,093 |
Net charge-offs to loans | 0.0516% | 847 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 93.4667% | 820 |
Efficiency ratio | 46.2372% | 4,204 |
Assets per employee ($millions) | 6.0782% | 2,696 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1992% | 2,557 |
Loan loss allowance to noncurrent loans | 1,048.6940% | 950 |
Noncurrent assets plus other real estate owned to assets | 0.1411% | 2,521 |
Noncurrent loans to loans | 0.1143% | 2,949 |
Net loans and leases to total assets | 45.6200% | 3,793 |
Net loans and leases to deposits | 52.9712% | 3,737 |
Net loans and leases to core deposits | 57.1709% | 3,681 |
Total domestic deposits to total assets | 86.1300% | 2,546 |
Equity capital to assets | 13.4515% | 676 |
Core capital (leverage) ratio | 14.2127% | 704 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $1,014,892,000 | 973 |
Average earning assets | $967,828,500 | 940 |
Average equity | $133,985,000 | 733 |
Average total loans | $464,667,000 | 1,304 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6589% | 2,643 |
Cost of funding earning assets | 0.2306% | 3,510 |
Net interest margin | 3.4284% | 2,155 |
Noninterest income to average assets | 0.6500% | 1,457 |
Noninterest expense to average assets | 1.9379% | 3,750 |
Loan and lease loss provision to assets | 0.1600% | 727 |
Net operating income to assets | 1.4201% | 1,078 |
Return on assets (ROA) | 1.4201% | 1,040 |
Pretax return on assets | 1.8294% | 685 |
Return on Equity (ROE) | 11.1900% | 2,409 |
Retained earnings to average equity (ytd only) | 8.5871% | 1,610 |
Net charge-offs to loans | 0.3965% | 189 |
Credit loss provision to net charge-offs | 93.6436% | 1,609 |
Earnings coverage of net charge-offs (x) | 11.4830% | 2,148 |
Efficiency ratio | 49.3136% | 4,171 |
Assets per employee ($millions) | 6.1874% | 2,606 |
Cash dividends to net income (ytd only)* | 23.2913% | 2,752 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2334% | 2,231 |
Loan loss allowance to noncurrent loans | 1,118.3071% | 909 |
Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,599 |
Noncurrent loans to loans | 0.1103% | 2,980 |
Net loans and leases to total assets | 44.8300% | 3,855 |
Net loans and leases to deposits | 51.6924% | 3,824 |
Net loans and leases to core deposits | 55.0788% | 3,763 |
Total domestic deposits to total assets | 86.7300% | 2,482 |
Equity capital to assets | 12.9522% | 718 |
Core capital (leverage) ratio | 13.5591% | 799 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $1,015,814,200 | 966 |
Average earning assets | $972,853,800 | 928 |
Average equity | $128,867,000 | 758 |
Average total loans | $444,372,400 | 1,283 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4666% | 2,725 |
Cost of funding earning assets | 0.2155% | 3,082 |
Net interest margin | 3.2511% | 2,455 |
Noninterest income to average assets | 0.4900% | 2,220 |
Noninterest expense to average assets | 1.9159% | 3,710 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.3543% | 1,205 |
Return on assets (ROA) | 1.3543% | 1,181 |
Pretax return on assets | 1.6875% | 926 |
Return on Equity (ROE) | 10.7300% | 2,490 |
Retained earnings to average equity (ytd only) | 10.7318% | 1,125 |
Net charge-offs to loans | 0.0366% | 1,134 |
Credit loss provision to net charge-offs | 20.6612% | 1,626 |
Earnings coverage of net charge-offs (x) | 106.4876% | 921 |
Efficiency ratio | 53.1216% | 3,907 |
Assets per employee ($millions) | 6.3099% | 2,482 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2559% | 2,235 |
Loan loss allowance to noncurrent loans | 253.1319% | 2,402 |
Noncurrent assets plus other real estate owned to assets | 0.3509% | 1,545 |
Noncurrent loans to loans | 0.4961% | 1,557 |
Net loans and leases to total assets | 43.2900% | 3,920 |
Net loans and leases to deposits | 49.7408% | 3,873 |
Net loans and leases to core deposits | 52.1246% | 3,848 |
Total domestic deposits to total assets | 87.0400% | 2,744 |
Equity capital to assets | 12.6350% | 742 |
Core capital (leverage) ratio | 13.4345% | 793 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $1,016,085,750 | 970 |
Average earning assets | $973,996,500 | 932 |
Average equity | $128,226,250 | 776 |
Average total loans | $440,316,250 | 1,282 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2793% | 2,801 |
Cost of funding earning assets | 0.2168% | 2,681 |
Net interest margin | 3.0625% | 2,671 |
Noninterest income to average assets | 0.4933% | 2,239 |
Noninterest expense to average assets | 1.9268% | 3,642 |
Loan and lease loss provision to assets | 0.0050% | 2,513 |
Net operating income to assets | 1.2243% | 1,353 |
Return on assets (ROA) | 1.2243% | 1,336 |
Pretax return on assets | 1.5016% | 1,160 |
Return on Equity (ROE) | 9.7060% | 2,443 |
Retained earnings to average equity (ytd only) | 9.7060% | 1,098 |
Net charge-offs to loans | 0.0266% | 1,182 |
Credit loss provision to net charge-offs | 43.1034% | 1,522 |
Earnings coverage of net charge-offs (x) | 131.1552% | 704 |
Efficiency ratio | 56.1202% | 3,759 |
Assets per employee ($millions) | 6.1672% | 2,598 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3412% | 2,004 |
Loan loss allowance to noncurrent loans | 284.8665% | 2,223 |
Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,673 |
Noncurrent loans to loans | 0.4708% | 1,702 |
Net loans and leases to total assets | 41.3889% | 4,013 |
Net loans and leases to deposits | 47.4216% | 3,954 |
Net loans and leases to core deposits | 49.6596% | 3,953 |
Total domestic deposits to total assets | 87.2787% | 2,839 |
Equity capital to assets | 12.4347% | 778 |
Core capital (leverage) ratio | 13.1110% | 791 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,009,842,333 | 970 |
Average earning assets | $969,471,667 | 937 |
Average equity | $127,385,333 | 788 |
Average total loans | $435,854,667 | 1,286 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1874% | 2,727 |
Cost of funding earning assets | 0.2213% | 2,512 |
Net interest margin | 2.9662% | 2,614 |
Noninterest income to average assets | 0.4878% | 2,204 |
Noninterest expense to average assets | 1.9659% | 3,519 |
Loan and lease loss provision to assets | 0.0100% | 2,142 |
Net operating income to assets | 1.1180% | 1,482 |
Return on assets (ROA) | 1.1180% | 1,473 |
Pretax return on assets | 1.3672% | 1,336 |
Return on Equity (ROE) | 8.7987% | 2,394 |
Retained earnings to average equity (ytd only) | 8.7987% | 1,329 |
Net charge-offs to loans | 0.0702% | 644 |
Credit loss provision to net charge-offs | 32.4675% | 1,256 |
Earnings coverage of net charge-offs (x) | 44.8442% | 963 |
Efficiency ratio | 58.8046% | 3,601 |
Assets per employee ($millions) | 6.3005% | 2,554 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3089% | 2,315 |
Loan loss allowance to noncurrent loans | 221.3184% | 2,480 |
Noncurrent assets plus other real estate owned to assets | 0.3904% | 1,541 |
Noncurrent loans to loans | 0.5914% | 1,577 |
Net loans and leases to total assets | 42.4097% | 3,858 |
Net loans and leases to deposits | 48.6447% | 3,837 |
Net loans and leases to core deposits | 51.0848% | 3,796 |
Total domestic deposits to total assets | 87.1826% | 2,861 |
Equity capital to assets | 12.4873% | 809 |
Core capital (leverage) ratio | 13.1099% | 755 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $1,002,890,000 | 979 |
Average earning assets | $965,417,000 | 949 |
Average equity | $127,428,000 | 805 |
Average total loans | $439,043,000 | 1,272 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4768% | 2,727 |
Cost of funding earning assets | 0.2909% | 2,501 |
Net interest margin | 3.1859% | 2,639 |
Noninterest income to average assets | 0.5665% | 2,295 |
Noninterest expense to average assets | 2.1293% | 3,306 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.2388% | 1,779 |
Return on assets (ROA) | 1.2388% | 1,843 |
Pretax return on assets | 1.4971% | 1,740 |
Return on Equity (ROE) | 9.4143% | 2,749 |
Retained earnings to average equity (ytd only) | 7.0465% | 1,903 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.7164% | 3,326 |
Assets per employee ($millions) | 6.3147% | 2,472 |
Cash dividends to net income (ytd only)* | 25.1519% | 2,782 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3182% | 2,278 |
Loan loss allowance to noncurrent loans | 250.9965% | 2,296 |
Noncurrent assets plus other real estate owned to assets | 0.3901% | 1,667 |
Noncurrent loans to loans | 0.5252% | 1,816 |
Net loans and leases to total assets | 44.0244% | 3,836 |
Net loans and leases to deposits | 50.7559% | 3,834 |
Net loans and leases to core deposits | 53.4238% | 3,798 |
Total domestic deposits to total assets | 86.7375% | 2,605 |
Equity capital to assets | 12.9328% | 920 |
Core capital (leverage) ratio | 12.9271% | 820 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $943,565,400 | 999 |
Average earning assets | $906,247,400 | 977 |
Average equity | $124,161,600 | 834 |
Average total loans | $450,576,000 | 1,263 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5194% | 2,767 |
Cost of funding earning assets | 0.3086% | 2,511 |
Net interest margin | 3.2108% | 2,698 |
Noninterest income to average assets | 0.5781% | 2,309 |
Noninterest expense to average assets | 2.1659% | 3,184 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.2446% | 2,009 |
Return on assets (ROA) | 1.2446% | 2,073 |
Pretax return on assets | 1.4921% | 2,014 |
Return on Equity (ROE) | 9.4157% | 2,962 |
Retained earnings to average equity (ytd only) | 9.4157% | 1,530 |
Net charge-offs to loans | 0.0044% | 2,179 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 696.2000% | 226 |
Efficiency ratio | 59.2102% | 3,096 |
Assets per employee ($millions) | 5.9609% | 2,732 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2786% | 2,593 |
Loan loss allowance to noncurrent loans | 201.4644% | 2,521 |
Noncurrent assets plus other real estate owned to assets | 0.5019% | 1,527 |
Noncurrent loans to loans | 0.6347% | 1,725 |
Net loans and leases to total assets | 45.3570% | 3,841 |
Net loans and leases to deposits | 52.3114% | 3,860 |
Net loans and leases to core deposits | 55.1564% | 3,844 |
Total domestic deposits to total assets | 86.7057% | 2,460 |
Equity capital to assets | 13.0040% | 977 |
Core capital (leverage) ratio | 13.2311% | 789 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $933,182,000 | 1,023 |
Average earning assets | $895,130,000 | 999 |
Average equity | $123,351,750 | 853 |
Average total loans | $453,350,750 | 1,278 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6180% | 2,562 |
Cost of funding earning assets | 0.3334% | 2,460 |
Net interest margin | 3.2846% | 2,497 |
Noninterest income to average assets | 0.5866% | 2,274 |
Noninterest expense to average assets | 2.0716% | 3,480 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.3025% | 1,863 |
Return on assets (ROA) | 1.3025% | 1,929 |
Pretax return on assets | 1.6626% | 1,582 |
Return on Equity (ROE) | 9.7968% | 2,828 |
Retained earnings to average equity (ytd only) | 9.7968% | 1,462 |
Net charge-offs to loans | -0.0004% | 3,038 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.4763% | 3,605 |
Assets per employee ($millions) | 5.8109% | 2,796 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3182% | 2,349 |
Loan loss allowance to noncurrent loans | 229.9206% | 2,267 |
Noncurrent assets plus other real estate owned to assets | 0.4859% | 1,724 |
Noncurrent loans to loans | 0.5733% | 1,967 |
Net loans and leases to total assets | 45.5137% | 3,936 |
Net loans and leases to deposits | 52.5794% | 3,962 |
Net loans and leases to core deposits | 55.3711% | 3,936 |
Total domestic deposits to total assets | 86.5618% | 2,525 |
Equity capital to assets | 13.1103% | 915 |
Core capital (leverage) ratio | 13.4319% | 725 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $916,395,333 | 1,033 |
Average earning assets | $878,166,667 | 1,010 |
Average equity | $121,835,667 | 856 |
Average total loans | $453,840,000 | 1,278 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6431% | 2,514 |
Cost of funding earning assets | 0.3666% | 2,387 |
Net interest margin | 3.2765% | 2,460 |
Noninterest income to average assets | 0.5563% | 2,386 |
Noninterest expense to average assets | 2.0577% | 3,538 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.2791% | 1,892 |
Return on assets (ROA) | 1.2791% | 1,963 |
Pretax return on assets | 1.6355% | 1,634 |
Return on Equity (ROE) | 9.5507% | 2,838 |
Retained earnings to average equity (ytd only) | 9.5507% | 1,786 |
Net charge-offs to loans | 0.0104% | 1,554 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | 306.0000% | 290 |
Efficiency ratio | 55.7164% | 3,576 |
Assets per employee ($millions) | 5.5827% | 3,037 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2570% | 2,631 |
Loan loss allowance to noncurrent loans | 234.3332% | 2,110 |
Noncurrent assets plus other real estate owned to assets | 0.5924% | 1,611 |
Noncurrent loans to loans | 0.5364% | 2,245 |
Net loans and leases to total assets | 49.2990% | 3,687 |
Net loans and leases to deposits | 57.0060% | 3,717 |
Net loans and leases to core deposits | 60.1201% | 3,692 |
Total domestic deposits to total assets | 86.4803% | 2,533 |
Equity capital to assets | 13.1689% | 866 |
Core capital (leverage) ratio | 13.7061% | 701 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $898,100,000 | 1,040 |
Average earning assets | $859,814,000 | 1,012 |
Average equity | $120,284,000 | 860 |
Average total loans | $460,993,500 | 1,263 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1253% | 2,353 |
Cost of funding earning assets | 0.5615% | 2,552 |
Net interest margin | 3.5638% | 2,264 |
Noninterest income to average assets | 0.5881% | 2,265 |
Noninterest expense to average assets | 2.1327% | 3,863 |
Loan and lease loss provision to assets | 0.0974% | 3,121 |
Net operating income to assets | 1.3858% | 1,053 |
Return on assets (ROA) | 1.3858% | 1,144 |
Pretax return on assets | 1.7508% | 764 |
Return on Equity (ROE) | 9.2894% | 2,287 |
Retained earnings to average equity (ytd only) | 0.2033% | 4,457 |
Net charge-offs to loans | 0.0827% | 1,643 |
Credit loss provision to net charge-offs | 207.7922% | 2,125 |
Earnings coverage of net charge-offs (x) | 39.4182% | 1,402 |
Efficiency ratio | 53.5732% | 4,255 |
Assets per employee ($millions) | 5.4691% | 2,873 |
Cash dividends to net income (ytd only)* | 97.8118% | 281 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2537% | 2,658 |
Loan loss allowance to noncurrent loans | 211.1921% | 2,253 |
Noncurrent assets plus other real estate owned to assets | 0.8558% | 1,175 |
Noncurrent loans to loans | 0.5936% | 2,213 |
Net loans and leases to total assets | 52.1451% | 3,648 |
Net loans and leases to deposits | 60.5848% | 3,715 |
Net loans and leases to core deposits | 63.9304% | 3,697 |
Total domestic deposits to total assets | 86.0695% | 2,336 |
Equity capital to assets | 13.6292% | 892 |
Core capital (leverage) ratio | 13.7779% | 724 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $821,111,200 | 1,033 |
Average earning assets | $781,716,400 | 1,010 |
Average equity | $122,494,200 | 808 |
Average total loans | $465,454,200 | 1,195 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2640% | 2,210 |
Cost of funding earning assets | 0.6029% | 2,592 |
Net interest margin | 3.6611% | 2,058 |
Noninterest income to average assets | 0.6054% | 2,152 |
Noninterest expense to average assets | 2.1562% | 3,794 |
Loan and lease loss provision to assets | 0.1238% | 2,787 |
Net operating income to assets | 1.4252% | 1,044 |
Return on assets (ROA) | 1.4252% | 1,131 |
Pretax return on assets | 1.8090% | 762 |
Return on Equity (ROE) | 9.3351% | 2,268 |
Retained earnings to average equity (ytd only) | 9.3351% | 899 |
Net charge-offs to loans | 0.0961% | 1,345 |
Credit loss provision to net charge-offs | 223.2143% | 2,027 |
Earnings coverage of net charge-offs (x) | 34.8452% | 1,468 |
Efficiency ratio | 52.7312% | 4,280 |
Assets per employee ($millions) | 5.1801% | 3,035 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2062% | 2,629 |
Loan loss allowance to noncurrent loans | 201.0413% | 2,192 |
Noncurrent assets plus other real estate owned to assets | 0.9675% | 1,155 |
Noncurrent loans to loans | 0.6000% | 2,305 |
Net loans and leases to total assets | 55.8406% | 3,639 |
Net loans and leases to deposits | 65.9963% | 3,624 |
Net loans and leases to core deposits | 70.3308% | 3,606 |
Total domestic deposits to total assets | 84.6118% | 2,592 |
Equity capital to assets | 15.0187% | 633 |
Core capital (leverage) ratio | 15.0561% | 531 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $807,625,750 | 1,035 |
Average earning assets | $768,489,250 | 1,010 |
Average equity | $123,302,000 | 790 |
Average total loans | $466,295,250 | 1,196 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4597% | 2,036 |
Cost of funding earning assets | 0.6375% | 2,771 |
Net interest margin | 3.8222% | 1,769 |
Noninterest income to average assets | 0.5909% | 2,162 |
Noninterest expense to average assets | 2.1538% | 3,920 |
Loan and lease loss provision to assets | 0.1890% | 2,133 |
Net operating income to assets | 1.4754% | 968 |
Return on assets (ROA) | 1.4754% | 1,053 |
Pretax return on assets | 1.8849% | 686 |
Return on Equity (ROE) | 9.6084% | 2,109 |
Retained earnings to average equity (ytd only) | 9.6084% | 860 |
Net charge-offs to loans | 0.0736% | 1,513 |
Credit loss provision to net charge-offs | 441.1765% | 1,322 |
Earnings coverage of net charge-offs (x) | 48.4118% | 1,123 |
Efficiency ratio | 50.9447% | 4,444 |
Assets per employee ($millions) | 5.1243% | 3,032 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2532% | 2,241 |
Loan loss allowance to noncurrent loans | 192.6608% | 2,197 |
Noncurrent assets plus other real estate owned to assets | 1.0126% | 1,185 |
Noncurrent loans to loans | 0.6505% | 2,233 |
Net loans and leases to total assets | 55.8738% | 3,698 |
Net loans and leases to deposits | 65.9143% | 3,729 |
Net loans and leases to core deposits | 70.3885% | 3,668 |
Total domestic deposits to total assets | 84.7673% | 2,486 |
Equity capital to assets | 14.8521% | 647 |
Core capital (leverage) ratio | 15.3048% | 528 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $793,657,000 | 1,033 |
Average earning assets | $755,168,000 | 1,008 |
Average equity | $121,873,000 | 792 |
Average total loans | $461,668,333 | 1,189 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5574% | 2,130 |
Cost of funding earning assets | 0.6712% | 3,052 |
Net interest margin | 3.8861% | 1,716 |
Noninterest income to average assets | 0.5634% | 2,214 |
Noninterest expense to average assets | 2.2854% | 3,800 |
Loan and lease loss provision to assets | 0.0779% | 2,745 |
Net operating income to assets | 1.4825% | 815 |
Return on assets (ROA) | 1.4825% | 889 |
Pretax return on assets | 1.8980% | 571 |
Return on Equity (ROE) | 9.4849% | 1,920 |
Retained earnings to average equity (ytd only) | 9.4849% | 848 |
Net charge-offs to loans | 0.1196% | 988 |
Credit loss provision to net charge-offs | 110.2941% | 1,754 |
Earnings coverage of net charge-offs (x) | 27.9779% | 1,223 |
Efficiency ratio | 53.6315% | 4,422 |
Assets per employee ($millions) | 4.5981% | 3,131 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1663% | 2,845 |
Loan loss allowance to noncurrent loans | 153.1383% | 2,509 |
Noncurrent assets plus other real estate owned to assets | 1.1450% | 1,113 |
Noncurrent loans to loans | 0.7616% | 2,094 |
Net loans and leases to total assets | 58.7996% | 3,608 |
Net loans and leases to deposits | 70.1138% | 3,582 |
Net loans and leases to core deposits | 75.1643% | 3,557 |
Total domestic deposits to total assets | 83.8632% | 2,832 |
Equity capital to assets | 15.6778% | 636 |
Core capital (leverage) ratio | 15.8384% | 537 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $770,296,000 | 1,031 |
Average earning assets | $732,968,000 | 1,004 |
Average equity | $120,402,500 | 797 |
Average total loans | $454,747,000 | 1,176 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7495% | 2,192 |
Cost of funding earning assets | 0.6820% | 3,252 |
Net interest margin | 4.0675% | 1,631 |
Noninterest income to average assets | 0.6470% | 2,016 |
Noninterest expense to average assets | 2.4049% | 3,679 |
Loan and lease loss provision to assets | 0.0335% | 3,344 |
Net operating income to assets | 1.6306% | 777 |
Return on assets (ROA) | 1.6306% | 829 |
Pretax return on assets | 2.0645% | 520 |
Return on Equity (ROE) | 10.5800% | 2,051 |
Retained earnings to average equity (ytd only) | 8.2070% | 910 |
Net charge-offs to loans | 0.1363% | 1,421 |
Credit loss provision to net charge-offs | 42.2297% | 3,188 |
Earnings coverage of net charge-offs (x) | 26.4544% | 1,696 |
Efficiency ratio | 53.4079% | 4,484 |
Assets per employee ($millions) | 4.6273% | 3,050 |
Cash dividends to net income (ytd only)* | 22.4285% | 3,396 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2027% | 2,426 |
Loan loss allowance to noncurrent loans | 126.3331% | 2,883 |
Noncurrent assets plus other real estate owned to assets | 1.2348% | 932 |
Noncurrent loans to loans | 0.9520% | 1,610 |
Net loans and leases to total assets | 57.8647% | 3,778 |
Net loans and leases to deposits | 68.9467% | 3,746 |
Net loans and leases to core deposits | 74.0296% | 3,720 |
Total domestic deposits to total assets | 83.9267% | 2,864 |
Equity capital to assets | 15.5827% | 675 |
Core capital (leverage) ratio | 15.5986% | 575 |
Tier 1 risk-based capital ratio | 21.1321% | 1,144 |
Total risk-based capital ratio | 22.0874% | 1,167 |
Memoranda: | ||
Average total assets | $746,476,600 | 1,029 |
Average earning assets | $707,634,600 | 1,005 |
Average equity | $115,047,800 | 791 |
Average total loans | $434,392,600 | 1,190 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7533% | 2,262 |
Cost of funding earning assets | 0.6746% | 3,333 |
Net interest margin | 4.0787% | 1,678 |
Noninterest income to average assets | 0.6481% | 1,996 |
Noninterest expense to average assets | 2.4183% | 3,635 |
Loan and lease loss provision to assets | 0.0180% | 3,547 |
Net operating income to assets | 1.6419% | 840 |
Return on assets (ROA) | 1.6419% | 886 |
Pretax return on assets | 2.0728% | 586 |
Return on Equity (ROE) | 10.6836% | 2,146 |
Retained earnings to average equity (ytd only) | 10.6836% | 587 |
Net charge-offs to loans | 0.1660% | 1,015 |
Credit loss provision to net charge-offs | 18.6220% | 2,972 |
Earnings coverage of net charge-offs (x) | 21.6742% | 1,902 |
Efficiency ratio | 53.6313% | 4,434 |
Assets per employee ($millions) | 4.5633% | 3,101 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1849% | 2,587 |
Loan loss allowance to noncurrent loans | 131.7706% | 2,845 |
Noncurrent assets plus other real estate owned to assets | 1.2395% | 1,004 |
Noncurrent loans to loans | 0.8992% | 1,779 |
Net loans and leases to total assets | 57.8253% | 3,894 |
Net loans and leases to deposits | 68.9221% | 3,847 |
Net loans and leases to core deposits | 73.9796% | 3,832 |
Total domestic deposits to total assets | 83.8995% | 2,860 |
Equity capital to assets | 15.5723% | 717 |
Core capital (leverage) ratio | 15.8165% | 581 |
Tier 1 risk-based capital ratio | 23.1812% | 929 |
Total risk-based capital ratio | 24.2133% | 930 |
Memoranda: | ||
Average total assets | $742,219,000 | 1,032 |
Average earning assets | $702,588,750 | 1,006 |
Average equity | $114,066,000 | 796 |
Average total loans | $431,196,000 | 1,205 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7350% | 2,262 |
Cost of funding earning assets | 0.6562% | 3,374 |
Net interest margin | 4.0788% | 1,676 |
Noninterest income to average assets | 0.6533% | 1,904 |
Noninterest expense to average assets | 2.4522% | 3,602 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.6346% | 844 |
Return on assets (ROA) | 1.6346% | 881 |
Pretax return on assets | 2.0560% | 611 |
Return on Equity (ROE) | 10.6851% | 2,100 |
Retained earnings to average equity (ytd only) | 10.6851% | 607 |
Net charge-offs to loans | 0.1994% | 827 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 17.7929% | 1,880 |
Efficiency ratio | 54.3936% | 4,424 |
Assets per employee ($millions) | 4.4003% | 3,285 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2262% | 2,379 |
Loan loss allowance to noncurrent loans | 130.3224% | 2,880 |
Noncurrent assets plus other real estate owned to assets | 1.3153% | 954 |
Noncurrent loans to loans | 0.9409% | 1,728 |
Net loans and leases to total assets | 57.0165% | 4,009 |
Net loans and leases to deposits | 67.8068% | 3,982 |
Net loans and leases to core deposits | 72.7878% | 3,961 |
Total domestic deposits to total assets | 84.0868% | 2,822 |
Equity capital to assets | 15.4459% | 719 |
Core capital (leverage) ratio | 15.6310% | 600 |
Tier 1 risk-based capital ratio | 22.9917% | 947 |
Total risk-based capital ratio | 24.0454% | 941 |
Memoranda: | ||
Average total assets | $735,599,330 | 1,039 |
Average earning assets | $695,201,330 | 1,018 |
Average equity | $112,530,330 | 799 |
Average total loans | $426,275,330 | 1,216 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6996% | 2,227 |
Cost of funding earning assets | 0.6283% | 3,419 |
Net interest margin | 4.0714% | 1,636 |
Noninterest income to average assets | 0.6647% | 1,753 |
Noninterest expense to average assets | 2.4668% | 3,592 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.6354% | 830 |
Return on assets (ROA) | 1.6354% | 859 |
Pretax return on assets | 2.0467% | 588 |
Return on Equity (ROE) | 10.7437% | 2,056 |
Retained earnings to average equity (ytd only) | 10.7437% | 865 |
Net charge-offs to loans | 0.2503% | 580 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 14.0830% | 1,811 |
Efficiency ratio | 54.6537% | 4,475 |
Assets per employee ($millions) | 4.4469% | 3,261 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2652% | 2,250 |
Loan loss allowance to noncurrent loans | 135.4943% | 2,848 |
Noncurrent assets plus other real estate owned to assets | 1.3186% | 982 |
Noncurrent loans to loans | 0.9338% | 1,797 |
Net loans and leases to total assets | 57.6685% | 3,928 |
Net loans and leases to deposits | 68.4031% | 3,893 |
Net loans and leases to core deposits | 73.0235% | 3,863 |
Total domestic deposits to total assets | 84.3068% | 2,943 |
Equity capital to assets | 15.2421% | 703 |
Core capital (leverage) ratio | 15.4099% | 615 |
Tier 1 risk-based capital ratio | 22.3317% | 1,013 |
Total risk-based capital ratio | 23.4144% | 1,011 |
Memoranda: | ||
Average total assets | $729,370,500 | 1,047 |
Average earning assets | $689,499,000 | 1,024 |
Average equity | $111,023,500 | 803 |
Average total loans | $423,507,500 | 1,225 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5314% | 2,365 |
Cost of funding earning assets | 0.5090% | 3,296 |
Net interest margin | 4.0224% | 1,915 |
Noninterest income to average assets | 0.4903% | 2,885 |
Noninterest expense to average assets | 2.4000% | 3,880 |
Loan and lease loss provision to assets | 0.0654% | 2,843 |
Net operating income to assets | 1.4523% | 1,266 |
Return on assets (ROA) | 1.4523% | 1,257 |
Pretax return on assets | 1.8133% | 887 |
Return on Equity (ROE) | 9.9295% | 2,544 |
Retained earnings to average equity (ytd only) | 7.5590% | 1,433 |
Net charge-offs to loans | -0.0897% | 5,126 |
Credit loss provision to net charge-offs | -133.0532% | 4,424 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.0918% | 4,397 |
Assets per employee ($millions) | 4.1893% | 3,628 |
Cash dividends to net income (ytd only)* | 23.8727% | 3,324 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3755% | 1,736 |
Loan loss allowance to noncurrent loans | 106.8560% | 3,309 |
Noncurrent assets plus other real estate owned to assets | 1.5266% | 764 |
Noncurrent loans to loans | 1.2872% | 1,231 |
Net loans and leases to total assets | 56.9199% | 4,057 |
Net loans and leases to deposits | 67.4861% | 4,010 |
Net loans and leases to core deposits | 71.6933% | 4,013 |
Total domestic deposits to total assets | 84.3432% | 2,893 |
Equity capital to assets | 15.2010% | 668 |
Core capital (leverage) ratio | 15.1827% | 653 |
Tier 1 risk-based capital ratio | 22.4541% | 975 |
Total risk-based capital ratio | 23.6267% | 952 |
Memoranda: | ||
Average total assets | $726,841,000 | 1,021 |
Average earning assets | $684,542,000 | 1,008 |
Average equity | $106,310,000 | 805 |
Average total loans | $398,113,600 | 1,261 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4804% | 2,363 |
Cost of funding earning assets | 0.4873% | 3,277 |
Net interest margin | 3.9931% | 1,979 |
Noninterest income to average assets | 0.5845% | 2,392 |
Noninterest expense to average assets | 2.3933% | 3,869 |
Loan and lease loss provision to assets | 0.0869% | 2,234 |
Net operating income to assets | 1.4834% | 1,242 |
Return on assets (ROA) | 1.4834% | 1,238 |
Pretax return on assets | 1.8626% | 876 |
Return on Equity (ROE) | 10.2413% | 2,507 |
Retained earnings to average equity (ytd only) | 10.2413% | 841 |
Net charge-offs to loans | 0.1463% | 1,128 |
Credit loss provision to net charge-offs | 109.9537% | 2,112 |
Earnings coverage of net charge-offs (x) | 24.6549% | 1,805 |
Efficiency ratio | 55.1083% | 4,497 |
Assets per employee ($millions) | 4.3610% | 3,341 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2233% | 2,491 |
Loan loss allowance to noncurrent loans | 109.2379% | 3,303 |
Noncurrent assets plus other real estate owned to assets | 1.6011% | 781 |
Noncurrent loans to loans | 1.1198% | 1,521 |
Net loans and leases to total assets | 54.6715% | 4,311 |
Net loans and leases to deposits | 64.6468% | 4,299 |
Net loans and leases to core deposits | 68.3231% | 4,283 |
Total domestic deposits to total assets | 84.5695% | 2,776 |
Equity capital to assets | 15.0490% | 704 |
Core capital (leverage) ratio | 15.1521% | 668 |
Tier 1 risk-based capital ratio | 23.0157% | 936 |
Total risk-based capital ratio | 24.0512% | 933 |
Memoranda: | ||
Average total assets | $728,412,250 | 1,020 |
Average earning assets | $685,602,000 | 1,004 |
Average equity | $105,504,500 | 810 |
Average total loans | $393,677,000 | 1,278 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4219% | 2,346 |
Cost of funding earning assets | 0.4703% | 3,222 |
Net interest margin | 3.9516% | 2,028 |
Noninterest income to average assets | 0.5763% | 2,447 |
Noninterest expense to average assets | 2.3697% | 3,977 |
Loan and lease loss provision to assets | 0.0961% | 2,006 |
Net operating income to assets | 1.4658% | 1,239 |
Return on assets (ROA) | 1.4658% | 1,240 |
Pretax return on assets | 1.8296% | 902 |
Return on Equity (ROE) | 10.2536% | 2,450 |
Retained earnings to average equity (ytd only) | 10.2536% | 853 |
Net charge-offs to loans | 0.1521% | 1,014 |
Credit loss provision to net charge-offs | 117.8451% | 1,814 |
Earnings coverage of net charge-offs (x) | 23.6162% | 1,704 |
Efficiency ratio | 55.1678% | 4,567 |
Assets per employee ($millions) | 4.3067% | 3,412 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2295% | 2,556 |
Loan loss allowance to noncurrent loans | 135.4070% | 2,934 |
Noncurrent assets plus other real estate owned to assets | 1.4720% | 909 |
Noncurrent loans to loans | 0.9080% | 1,905 |
Net loans and leases to total assets | 54.2136% | 4,321 |
Net loans and leases to deposits | 63.7405% | 4,294 |
Net loans and leases to core deposits | 66.6559% | 4,334 |
Total domestic deposits to total assets | 85.0537% | 2,649 |
Equity capital to assets | 14.5923% | 784 |
Core capital (leverage) ratio | 14.8405% | 707 |
Tier 1 risk-based capital ratio | 22.4258% | 990 |
Total risk-based capital ratio | 23.4629% | 996 |
Memoranda: | ||
Average total assets | $728,452,330 | 1,022 |
Average earning assets | $685,591,000 | 1,009 |
Average equity | $104,139,000 | 818 |
Average total loans | $390,536,330 | 1,282 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4007% | 2,194 |
Cost of funding earning assets | 0.4696% | 3,047 |
Net interest margin | 3.9311% | 1,926 |
Noninterest income to average assets | 0.5846% | 2,338 |
Noninterest expense to average assets | 2.3991% | 3,947 |
Loan and lease loss provision to assets | 0.1129% | 1,672 |
Net operating income to assets | 1.4247% | 1,270 |
Return on assets (ROA) | 1.4247% | 1,277 |
Pretax return on assets | 1.7688% | 966 |
Return on Equity (ROE) | 10.0709% | 2,389 |
Retained earnings to average equity (ytd only) | 10.0709% | 1,133 |
Net charge-offs to loans | 0.1725% | 840 |
Credit loss provision to net charge-offs | 123.4940% | 1,365 |
Earnings coverage of net charge-offs (x) | 20.5904% | 1,462 |
Efficiency ratio | 56.0442% | 4,574 |
Assets per employee ($millions) | 4.2797% | 3,519 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2804% | 2,335 |
Loan loss allowance to noncurrent loans | 118.0402% | 3,154 |
Noncurrent assets plus other real estate owned to assets | 1.6729% | 779 |
Noncurrent loans to loans | 1.0847% | 1,688 |
Net loans and leases to total assets | 52.2144% | 4,423 |
Net loans and leases to deposits | 61.2634% | 4,382 |
Net loans and leases to core deposits | 63.7927% | 4,437 |
Total domestic deposits to total assets | 85.2293% | 2,846 |
Equity capital to assets | 14.3064% | 816 |
Core capital (leverage) ratio | 14.3995% | 787 |
Tier 1 risk-based capital ratio | 22.6168% | 979 |
Total risk-based capital ratio | 23.6873% | 978 |
Memoranda: | ||
Average total assets | $726,612,500 | 1,036 |
Average earning assets | $683,164,500 | 1,019 |
Average equity | $102,791,000 | 829 |
Average total loans | $384,876,500 | 1,304 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3709% | 2,111 |
Cost of funding earning assets | 0.5017% | 2,324 |
Net interest margin | 3.8693% | 2,186 |
Noninterest income to average assets | 0.6197% | 2,348 |
Noninterest expense to average assets | 2.2669% | 4,410 |
Loan and lease loss provision to assets | 0.1900% | 1,109 |
Net operating income to assets | 1.1310% | 1,752 |
Return on assets (ROA) | 1.1310% | 1,783 |
Pretax return on assets | 1.7656% | 865 |
Return on Equity (ROE) | 8.0847% | 2,758 |
Retained earnings to average equity (ytd only) | 5.7607% | 1,680 |
Net charge-offs to loans | 0.4665% | 511 |
Credit loss provision to net charge-offs | 76.9231% | 2,990 |
Earnings coverage of net charge-offs (x) | 7.9174% | 2,975 |
Efficiency ratio | 53.6864% | 4,972 |
Assets per employee ($millions) | 4.2687% | 3,544 |
Cash dividends to net income (ytd only)* | 28.7456% | 3,352 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2698% | 2,379 |
Loan loss allowance to noncurrent loans | 109.6456% | 3,358 |
Noncurrent assets plus other real estate owned to assets | 2.1137% | 513 |
Noncurrent loans to loans | 1.1581% | 1,534 |
Net loans and leases to total assets | 52.3722% | 4,495 |
Net loans and leases to deposits | 61.1577% | 4,499 |
Net loans and leases to core deposits | 63.6695% | 4,552 |
Total domestic deposits to total assets | 85.6348% | 2,600 |
Equity capital to assets | 13.9864% | 917 |
Core capital (leverage) ratio | 14.1546% | 802 |
Tier 1 risk-based capital ratio | 22.2106% | 995 |
Total risk-based capital ratio | 23.2802% | 993 |
Memoranda: | ||
Average total assets | $710,541,600 | 1,029 |
Average earning assets | $661,598,200 | 1,022 |
Average equity | $99,397,400 | 833 |
Average total loans | $376,231,400 | 1,298 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3655% | 2,058 |
Cost of funding earning assets | 0.5063% | 2,213 |
Net interest margin | 3.8591% | 2,189 |
Noninterest income to average assets | 0.6142% | 2,395 |
Noninterest expense to average assets | 2.3270% | 4,225 |
Loan and lease loss provision to assets | 0.2254% | 820 |
Net operating income to assets | 1.1932% | 1,724 |
Return on assets (ROA) | 1.1932% | 1,755 |
Pretax return on assets | 1.6507% | 1,241 |
Return on Equity (ROE) | 8.5293% | 2,856 |
Retained earnings to average equity (ytd only) | 8.5293% | 1,000 |
Net charge-offs to loans | 0.5824% | 338 |
Credit loss provision to net charge-offs | 73.1334% | 2,668 |
Earnings coverage of net charge-offs (x) | 6.0863% | 3,020 |
Efficiency ratio | 55.3636% | 4,805 |
Assets per employee ($millions) | 4.2001% | 3,641 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2690% | 2,525 |
Loan loss allowance to noncurrent loans | 99.4266% | 3,531 |
Noncurrent assets plus other real estate owned to assets | 2.1592% | 575 |
Noncurrent loans to loans | 1.2763% | 1,505 |
Net loans and leases to total assets | 52.9031% | 4,501 |
Net loans and leases to deposits | 62.0714% | 4,507 |
Net loans and leases to core deposits | 64.7418% | 4,569 |
Total domestic deposits to total assets | 85.2295% | 2,628 |
Equity capital to assets | 14.2988% | 914 |
Core capital (leverage) ratio | 14.4658% | 775 |
Tier 1 risk-based capital ratio | 22.4279% | 1,001 |
Total risk-based capital ratio | 23.4944% | 1,000 |
Memoranda: | ||
Average total assets | $706,756,000 | 1,038 |
Average earning assets | $657,264,500 | 1,033 |
Average equity | $98,872,500 | 838 |
Average total loans | $374,053,000 | 1,313 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3273% | 2,043 |
Cost of funding earning assets | 0.5050% | 2,129 |
Net interest margin | 3.8222% | 2,200 |
Noninterest income to average assets | 0.6585% | 2,174 |
Noninterest expense to average assets | 2.3287% | 4,267 |
Loan and lease loss provision to assets | 0.3209% | 464 |
Net operating income to assets | 1.1489% | 1,780 |
Return on assets (ROA) | 1.1489% | 1,833 |
Pretax return on assets | 1.5677% | 1,440 |
Return on Equity (ROE) | 8.2742% | 2,880 |
Retained earnings to average equity (ytd only) | 8.2742% | 1,060 |
Net charge-offs to loans | 0.8529% | 229 |
Credit loss provision to net charge-offs | 71.3834% | 2,369 |
Earnings coverage of net charge-offs (x) | 4.2015% | 2,965 |
Efficiency ratio | 55.2182% | 4,905 |
Assets per employee ($millions) | 4.2571% | 3,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3129% | 2,347 |
Loan loss allowance to noncurrent loans | 107.0781% | 3,447 |
Noncurrent assets plus other real estate owned to assets | 2.1818% | 551 |
Noncurrent loans to loans | 1.2261% | 1,589 |
Net loans and leases to total assets | 50.2826% | 4,689 |
Net loans and leases to deposits | 58.5653% | 4,727 |
Net loans and leases to core deposits | 61.1852% | 4,757 |
Total domestic deposits to total assets | 85.8573% | 2,439 |
Equity capital to assets | 13.7926% | 1,048 |
Core capital (leverage) ratio | 14.0238% | 860 |
Tier 1 risk-based capital ratio | 22.6311% | 980 |
Total risk-based capital ratio | 23.7287% | 980 |
Memoranda: | ||
Average total assets | $704,335,330 | 1,041 |
Average earning assets | $655,793,670 | 1,036 |
Average equity | $97,798,000 | 848 |
Average total loans | $371,206,330 | 1,319 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3459% | 1,827 |
Cost of funding earning assets | 0.5071% | 2,026 |
Net interest margin | 3.8388% | 1,988 |
Noninterest income to average assets | 0.7238% | 1,857 |
Noninterest expense to average assets | 2.3834% | 4,170 |
Loan and lease loss provision to assets | 0.2966% | 464 |
Net operating income to assets | 1.1718% | 1,578 |
Return on assets (ROA) | 1.1718% | 1,622 |
Pretax return on assets | 1.6181% | 1,189 |
Return on Equity (ROE) | 8.4101% | 2,712 |
Retained earnings to average equity (ytd only) | 8.4101% | 1,306 |
Net charge-offs to loans | 0.7539% | 228 |
Credit loss provision to net charge-offs | 73.3618% | 1,803 |
Earnings coverage of net charge-offs (x) | 4.7365% | 2,353 |
Efficiency ratio | 55.4528% | 4,998 |
Assets per employee ($millions) | 4.2163% | 3,637 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3791% | 2,168 |
Loan loss allowance to noncurrent loans | 67.3925% | 4,257 |
Noncurrent assets plus other real estate owned to assets | 2.5143% | 455 |
Noncurrent loans to loans | 2.0463% | 861 |
Net loans and leases to total assets | 52.1796% | 4,498 |
Net loans and leases to deposits | 60.9105% | 4,504 |
Net loans and leases to core deposits | 63.6220% | 4,560 |
Total domestic deposits to total assets | 85.6659% | 2,808 |
Equity capital to assets | 13.9740% | 910 |
Core capital (leverage) ratio | 14.1271% | 807 |
Tier 1 risk-based capital ratio | 22.2483% | 1,061 |
Total risk-based capital ratio | 23.4100% | 1,050 |
Memoranda: | ||
Average total assets | $694,652,000 | 1,062 |
Average earning assets | $646,765,000 | 1,048 |
Average equity | $96,788,500 | 853 |
Average total loans | $372,441,000 | 1,325 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4509% | 1,687 |
Cost of funding earning assets | 0.5312% | 1,861 |
Net interest margin | 3.9197% | 1,903 |
Noninterest income to average assets | 0.5776% | 2,773 |
Noninterest expense to average assets | 2.3526% | 4,411 |
Loan and lease loss provision to assets | 0.2514% | 836 |
Net operating income to assets | 1.1819% | 1,560 |
Return on assets (ROA) | 1.1685% | 1,708 |
Pretax return on assets | 1.6081% | 1,255 |
Return on Equity (ROE) | 8.6011% | 2,612 |
Retained earnings to average equity (ytd only) | 6.5736% | 1,418 |
Net charge-offs to loans | 0.6379% | 351 |
Credit loss provision to net charge-offs | 71.6958% | 3,111 |
Earnings coverage of net charge-offs (x) | 5.3554% | 3,353 |
Efficiency ratio | 55.6118% | 5,097 |
Assets per employee ($millions) | 4.2036% | 3,616 |
Cash dividends to net income (ytd only)* | 23.5720% | 3,583 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4134% | 2,026 |
Loan loss allowance to noncurrent loans | 99.4926% | 3,641 |
Noncurrent assets plus other real estate owned to assets | 2.3403% | 528 |
Noncurrent loans to loans | 1.4206% | 1,432 |
Net loans and leases to total assets | 53.5646% | 4,475 |
Net loans and leases to deposits | 62.4166% | 4,517 |
Net loans and leases to core deposits | 65.0810% | 4,575 |
Total domestic deposits to total assets | 85.8178% | 2,671 |
Equity capital to assets | 13.8921% | 924 |
Core capital (leverage) ratio | 13.9854% | 819 |
Tier 1 risk-based capital ratio | 22.1379% | 1,057 |
Total risk-based capital ratio | 23.3616% | 1,037 |
Memoranda: | ||
Average total assets | $686,165,200 | 1,037 |
Average earning assets | $639,469,400 | 1,018 |
Average equity | $93,220,800 | 858 |
Average total loans | $377,180,200 | 1,256 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4765% | 1,619 |
Cost of funding earning assets | 0.5341% | 1,842 |
Net interest margin | 3.9424% | 1,842 |
Noninterest income to average assets | 0.5951% | 2,684 |
Noninterest expense to average assets | 2.3997% | 4,281 |
Loan and lease loss provision to assets | 0.2500% | 757 |
Net operating income to assets | 1.1553% | 1,785 |
Return on assets (ROA) | 1.1383% | 1,957 |
Pretax return on assets | 1.5906% | 1,409 |
Return on Equity (ROE) | 8.4261% | 2,796 |
Retained earnings to average equity (ytd only) | 8.4261% | 1,007 |
Net charge-offs to loans | 0.6938% | 267 |
Credit loss provision to net charge-offs | 65.3611% | 2,853 |
Earnings coverage of net charge-offs (x) | 4.8744% | 3,208 |
Efficiency ratio | 56.2779% | 5,035 |
Assets per employee ($millions) | 4.1751% | 3,646 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4002% | 2,201 |
Loan loss allowance to noncurrent loans | 83.8296% | 3,965 |
Noncurrent assets plus other real estate owned to assets | 2.4338% | 571 |
Noncurrent loans to loans | 1.6703% | 1,264 |
Net loans and leases to total assets | 54.4335% | 4,457 |
Net loans and leases to deposits | 63.5337% | 4,519 |
Net loans and leases to core deposits | 66.3944% | 4,581 |
Total domestic deposits to total assets | 85.6766% | 2,525 |
Equity capital to assets | 13.9465% | 1,056 |
Core capital (leverage) ratio | 14.0589% | 830 |
Tier 1 risk-based capital ratio | 21.8955% | 1,153 |
Total risk-based capital ratio | 23.1091% | 1,132 |
Memoranda: | ||
Average total assets | $685,358,500 | 1,042 |
Average earning assets | $637,800,250 | 1,026 |
Average equity | $92,583,250 | 866 |
Average total loans | $377,834,250 | 1,248 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4848% | 1,562 |
Cost of funding earning assets | 0.5349% | 1,825 |
Net interest margin | 3.9499% | 1,805 |
Noninterest income to average assets | 0.5569% | 2,869 |
Noninterest expense to average assets | 2.4683% | 4,127 |
Loan and lease loss provision to assets | 0.1517% | 1,510 |
Net operating income to assets | 1.1450% | 1,790 |
Return on assets (ROA) | 1.1450% | 1,907 |
Pretax return on assets | 1.6118% | 1,339 |
Return on Equity (ROE) | 8.5687% | 2,716 |
Retained earnings to average equity (ytd only) | 8.5687% | 988 |
Net charge-offs to loans | 0.3415% | 690 |
Credit loss provision to net charge-offs | 80.6202% | 2,361 |
Earnings coverage of net charge-offs (x) | 9.3721% | 2,425 |
Efficiency ratio | 58.3276% | 4,858 |
Assets per employee ($millions) | 4.1337% | 3,682 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5606% | 1,648 |
Loan loss allowance to noncurrent loans | 87.6930% | 3,958 |
Noncurrent assets plus other real estate owned to assets | 2.6656% | 491 |
Noncurrent loans to loans | 1.7796% | 1,171 |
Net loans and leases to total assets | 54.1028% | 4,501 |
Net loans and leases to deposits | 62.9661% | 4,575 |
Net loans and leases to core deposits | 65.8924% | 4,617 |
Total domestic deposits to total assets | 85.9238% | 2,459 |
Equity capital to assets | 13.7182% | 1,138 |
Core capital (leverage) ratio | 13.6526% | 928 |
Tier 1 risk-based capital ratio | 21.8326% | 1,154 |
Total risk-based capital ratio | 23.0840% | 1,138 |
Memoranda: | ||
Average total assets | $685,572,000 | 1,043 |
Average earning assets | $637,837,670 | 1,030 |
Average equity | $91,613,000 | 875 |
Average total loans | $377,776,000 | 1,253 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4615% | 1,622 |
Cost of funding earning assets | 0.5360% | 1,819 |
Net interest margin | 3.9255% | 1,862 |
Noninterest income to average assets | 0.6076% | 2,487 |
Noninterest expense to average assets | 2.4070% | 4,342 |
Loan and lease loss provision to assets | 0.2968% | 534 |
Net operating income to assets | 1.1558% | 1,690 |
Return on assets (ROA) | 1.1558% | 1,808 |
Pretax return on assets | 1.5864% | 1,334 |
Return on Equity (ROE) | 8.7647% | 2,532 |
Retained earnings to average equity (ytd only) | 8.7647% | 1,183 |
Net charge-offs to loans | 0.5189% | 416 |
Credit loss provision to net charge-offs | 103.6585% | 1,576 |
Earnings coverage of net charge-offs (x) | 6.5772% | 2,231 |
Efficiency ratio | 56.1042% | 5,182 |
Assets per employee ($millions) | 4.2108% | 3,572 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6058% | 1,587 |
Loan loss allowance to noncurrent loans | 103.4346% | 3,555 |
Noncurrent assets plus other real estate owned to assets | 2.4096% | 636 |
Noncurrent loans to loans | 1.5525% | 1,504 |
Net loans and leases to total assets | 53.1750% | 4,522 |
Net loans and leases to deposits | 61.5631% | 4,612 |
Net loans and leases to core deposits | 64.3827% | 4,665 |
Total domestic deposits to total assets | 86.3749% | 2,507 |
Equity capital to assets | 13.2685% | 1,283 |
Core capital (leverage) ratio | 13.3331% | 1,044 |
Tier 1 risk-based capital ratio | 21.5211% | 1,230 |
Total risk-based capital ratio | 22.7730% | 1,206 |
Memoranda: | ||
Average total assets | $687,326,000 | 1,037 |
Average earning assets | $644,803,500 | 1,021 |
Average equity | $90,636,000 | 879 |
Average total loans | $379,231,000 | 1,244 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6587% | 1,199 |
Cost of funding earning assets | 0.5790% | 1,501 |
Net interest margin | 4.0797% | 1,460 |
Noninterest income to average assets | 0.5301% | 3,138 |
Noninterest expense to average assets | 2.4530% | 4,379 |
Loan and lease loss provision to assets | 0.1655% | 1,388 |
Net operating income to assets | 1.2454% | 1,397 |
Return on assets (ROA) | 1.2454% | 1,453 |
Pretax return on assets | 1.7220% | 949 |
Return on Equity (ROE) | 9.7387% | 2,109 |
Retained earnings to average equity (ytd only) | 7.5643% | 1,078 |
Net charge-offs to loans | 0.3816% | 752 |
Credit loss provision to net charge-offs | 73.9159% | 3,059 |
Earnings coverage of net charge-offs (x) | 8.4297% | 2,953 |
Efficiency ratio | 56.5144% | 5,298 |
Assets per employee ($millions) | 4.2489% | 3,491 |
Cash dividends to net income (ytd only)* | 22.3272% | 3,694 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5509% | 1,799 |
Loan loss allowance to noncurrent loans | 103.1595% | 3,625 |
Noncurrent assets plus other real estate owned to assets | 2.3190% | 697 |
Noncurrent loans to loans | 1.5034% | 1,543 |
Net loans and leases to total assets | 55.4441% | 4,344 |
Net loans and leases to deposits | 64.0732% | 4,462 |
Net loans and leases to core deposits | 67.1947% | 4,495 |
Total domestic deposits to total assets | 86.5325% | 2,362 |
Equity capital to assets | 13.1043% | 1,298 |
Core capital (leverage) ratio | 13.3643% | 1,012 |
Tier 1 risk-based capital ratio | 20.6630% | 1,357 |
Total risk-based capital ratio | 21.9146% | 1,329 |
Memoranda: | ||
Average total assets | $679,726,800 | 1,016 |
Average earning assets | $634,872,600 | 1,000 |
Average equity | $86,921,000 | 876 |
Average total loans | $398,799,000 | 1,158 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6538% | 1,197 |
Cost of funding earning assets | 0.5866% | 1,486 |
Net interest margin | 4.0673% | 1,505 |
Noninterest income to average assets | 0.5312% | 3,157 |
Noninterest expense to average assets | 2.4356% | 4,401 |
Loan and lease loss provision to assets | 0.2014% | 997 |
Net operating income to assets | 1.2210% | 1,581 |
Return on assets (ROA) | 1.2210% | 1,645 |
Pretax return on assets | 1.6924% | 1,127 |
Return on Equity (ROE) | 9.6085% | 2,260 |
Retained earnings to average equity (ytd only) | 9.6085% | 710 |
Net charge-offs to loans | 0.4906% | 490 |
Credit loss provision to net charge-offs | 69.2568% | 2,781 |
Earnings coverage of net charge-offs (x) | 6.5129% | 3,040 |
Efficiency ratio | 56.2579% | 5,320 |
Assets per employee ($millions) | 4.1715% | 3,581 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4807% | 2,237 |
Loan loss allowance to noncurrent loans | 93.4460% | 3,818 |
Noncurrent assets plus other real estate owned to assets | 2.4022% | 743 |
Noncurrent loans to loans | 1.5846% | 1,573 |
Net loans and leases to total assets | 57.1982% | 4,225 |
Net loans and leases to deposits | 66.0565% | 4,380 |
Net loans and leases to core deposits | 69.3052% | 4,440 |
Total domestic deposits to total assets | 86.5898% | 2,239 |
Equity capital to assets | 12.9717% | 1,461 |
Core capital (leverage) ratio | 13.2113% | 1,127 |
Tier 1 risk-based capital ratio | 19.9874% | 1,552 |
Total risk-based capital ratio | 21.2384% | 1,516 |
Memoranda: | ||
Average total assets | $678,640,000 | 1,022 |
Average earning assets | $633,728,000 | 1,008 |
Average equity | $86,240,500 | 892 |
Average total loans | $402,185,250 | 1,151 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6929% | 1,078 |
Cost of funding earning assets | 0.5941% | 1,457 |
Net interest margin | 4.0988% | 1,354 |
Noninterest income to average assets | 0.5555% | 3,004 |
Noninterest expense to average assets | 2.4231% | 4,479 |
Loan and lease loss provision to assets | 0.2295% | 813 |
Net operating income to assets | 1.2579% | 1,434 |
Return on assets (ROA) | 1.2579% | 1,487 |
Pretax return on assets | 1.7272% | 1,030 |
Return on Equity (ROE) | 9.9688% | 2,081 |
Retained earnings to average equity (ytd only) | 9.9688% | 669 |
Net charge-offs to loans | 0.3831% | 681 |
Credit loss provision to net charge-offs | 100.3886% | 2,030 |
Earnings coverage of net charge-offs (x) | 8.5596% | 2,550 |
Efficiency ratio | 55.3242% | 5,489 |
Assets per employee ($millions) | 4.1039% | 3,676 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5754% | 1,989 |
Loan loss allowance to noncurrent loans | 70.3409% | 4,471 |
Noncurrent assets plus other real estate owned to assets | 2.3935% | 815 |
Noncurrent loans to loans | 2.2397% | 1,065 |
Net loans and leases to total assets | 58.1142% | 4,086 |
Net loans and leases to deposits | 66.8460% | 4,241 |
Net loans and leases to core deposits | 70.3205% | 4,298 |
Total domestic deposits to total assets | 86.9374% | 2,199 |
Equity capital to assets | 12.7406% | 1,525 |
Core capital (leverage) ratio | 12.8847% | 1,219 |
Tier 1 risk-based capital ratio | 19.8021% | 1,599 |
Total risk-based capital ratio | 21.0548% | 1,555 |
Memoranda: | ||
Average total assets | $675,423,000 | 1,032 |
Average earning assets | $630,181,000 | 1,016 |
Average equity | $85,226,330 | 901 |
Average total loans | $403,044,670 | 1,143 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7049% | 1,028 |
Cost of funding earning assets | 0.6023% | 1,419 |
Net interest margin | 4.1026% | 1,266 |
Noninterest income to average assets | 0.6491% | 2,405 |
Noninterest expense to average assets | 2.4371% | 4,484 |
Loan and lease loss provision to assets | 0.1939% | 963 |
Net operating income to assets | 1.3274% | 1,190 |
Return on assets (ROA) | 1.3274% | 1,269 |
Pretax return on assets | 1.8256% | 832 |
Return on Equity (ROE) | 10.5725% | 1,775 |
Retained earnings to average equity (ytd only) | 10.5725% | 800 |
Net charge-offs to loans | 0.5161% | 485 |
Credit loss provision to net charge-offs | 62.6204% | 1,973 |
Earnings coverage of net charge-offs (x) | 6.5222% | 2,277 |
Efficiency ratio | 54.6854% | 5,620 |
Assets per employee ($millions) | 3.9506% | 4,057 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5451% | 2,253 |
Loan loss allowance to noncurrent loans | 112.9433% | 3,405 |
Noncurrent assets plus other real estate owned to assets | 1.9806% | 1,200 |
Noncurrent loans to loans | 1.3680% | 2,105 |
Net loans and leases to total assets | 57.9362% | 3,951 |
Net loans and leases to deposits | 66.5298% | 4,103 |
Net loans and leases to core deposits | 70.0176% | 4,155 |
Total domestic deposits to total assets | 87.0831% | 2,327 |
Equity capital to assets | 12.5524% | 1,661 |
Core capital (leverage) ratio | 12.8651% | 1,208 |
Tier 1 risk-based capital ratio | 19.4749% | 1,740 |
Total risk-based capital ratio | 20.7268% | 1,699 |
Memoranda: | ||
Average total assets | $670,462,500 | 1,038 |
Average earning assets | $622,239,000 | 1,027 |
Average equity | $84,181,000 | 909 |
Average total loans | $402,238,500 | 1,139 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0564% | 698 |
Cost of funding earning assets | 0.6405% | 1,468 |
Net interest margin | 4.4159% | 863 |
Noninterest income to average assets | 0.5360% | 3,265 |
Noninterest expense to average assets | 2.5582% | 4,370 |
Loan and lease loss provision to assets | 0.3444% | 562 |
Net operating income to assets | 1.2660% | 1,384 |
Return on assets (ROA) | 1.2677% | 1,431 |
Pretax return on assets | 1.7574% | 873 |
Return on Equity (ROE) | 10.2918% | 1,989 |
Retained earnings to average equity (ytd only) | 7.9483% | 1,041 |
Net charge-offs to loans | 0.4209% | 1,010 |
Credit loss provision to net charge-offs | 130.3468% | 1,828 |
Earnings coverage of net charge-offs (x) | 7.9451% | 2,951 |
Efficiency ratio | 54.9256% | 5,769 |
Assets per employee ($millions) | 3.7796% | 4,385 |
Cash dividends to net income (ytd only)* | 22.7711% | 3,707 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5748% | 2,177 |
Loan loss allowance to noncurrent loans | 94.6524% | 3,845 |
Noncurrent assets plus other real estate owned to assets | 2.2645% | 1,065 |
Noncurrent loans to loans | 1.6638% | 1,755 |
Net loans and leases to total assets | 60.2110% | 3,761 |
Net loans and leases to deposits | 69.1862% | 4,007 |
Net loans and leases to core deposits | 73.0232% | 4,026 |
Total domestic deposits to total assets | 87.0275% | 2,269 |
Equity capital to assets | 12.5590% | 1,614 |
Core capital (leverage) ratio | 12.6265% | 1,298 |
Tier 1 risk-based capital ratio | 18.9822% | 1,851 |
Total risk-based capital ratio | 20.2347% | 1,814 |
Memoranda: | ||
Average total assets | $654,712,200 | 1,024 |
Average earning assets | $611,086,400 | 1,006 |
Average equity | $80,646,400 | 913 |
Average total loans | $411,037,000 | 1,067 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1112% | 629 |
Cost of funding earning assets | 0.6457% | 1,485 |
Net interest margin | 4.4655% | 796 |
Noninterest income to average assets | 0.5027% | 3,530 |
Noninterest expense to average assets | 2.5419% | 4,388 |
Loan and lease loss provision to assets | 0.2256% | 1,001 |
Net operating income to assets | 1.3566% | 1,237 |
Return on assets (ROA) | 1.3590% | 1,271 |
Pretax return on assets | 1.9108% | 705 |
Return on Equity (ROE) | 11.0874% | 1,759 |
Retained earnings to average equity (ytd only) | 11.0874% | 501 |
Net charge-offs to loans | 0.3141% | 1,270 |
Credit loss provision to net charge-offs | 113.6831% | 1,996 |
Earnings coverage of net charge-offs (x) | 10.7490% | 2,508 |
Efficiency ratio | 54.3716% | 5,788 |
Assets per employee ($millions) | 3.7291% | 4,437 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4351% | 3,013 |
Loan loss allowance to noncurrent loans | 177.9762% | 2,366 |
Noncurrent assets plus other real estate owned to assets | 1.6096% | 1,884 |
Noncurrent loans to loans | 0.8063% | 3,563 |
Net loans and leases to total assets | 62.9369% | 3,353 |
Net loans and leases to deposits | 72.5058% | 3,629 |
Net loans and leases to core deposits | 76.6232% | 3,675 |
Total domestic deposits to total assets | 86.8026% | 2,421 |
Equity capital to assets | 12.7667% | 1,546 |
Core capital (leverage) ratio | 12.6861% | 1,311 |
Tier 1 risk-based capital ratio | 18.7147% | 1,983 |
Total risk-based capital ratio | 19.9659% | 1,950 |
Memoranda: | ||
Average total assets | $653,033,000 | 1,034 |
Average earning assets | $610,172,250 | 1,019 |
Average equity | $80,040,750 | 920 |
Average total loans | $412,640,000 | 1,068 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1290% | 581 |
Cost of funding earning assets | 0.6485% | 1,526 |
Net interest margin | 4.4806% | 733 |
Noninterest income to average assets | 0.5407% | 3,202 |
Noninterest expense to average assets | 2.5512% | 4,413 |
Loan and lease loss provision to assets | 0.2618% | 807 |
Net operating income to assets | 1.4059% | 1,046 |
Return on assets (ROA) | 1.4088% | 1,082 |
Pretax return on assets | 1.9186% | 658 |
Return on Equity (ROE) | 11.6555% | 1,533 |
Retained earnings to average equity (ytd only) | 11.6555% | 462 |
Net charge-offs to loans | 0.3730% | 1,088 |
Credit loss provision to net charge-offs | 111.4733% | 1,797 |
Earnings coverage of net charge-offs (x) | 9.2673% | 2,380 |
Efficiency ratio | 53.9637% | 5,914 |
Assets per employee ($millions) | 3.8535% | 4,154 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4313% | 3,189 |
Loan loss allowance to noncurrent loans | 201.4596% | 2,122 |
Noncurrent assets plus other real estate owned to assets | 1.6451% | 1,983 |
Noncurrent loans to loans | 0.7105% | 3,930 |
Net loans and leases to total assets | 61.6646% | 3,457 |
Net loans and leases to deposits | 70.5495% | 3,748 |
Net loans and leases to core deposits | 74.5726% | 3,775 |
Total domestic deposits to total assets | 87.4061% | 2,244 |
Equity capital to assets | 12.2600% | 1,805 |
Core capital (leverage) ratio | 12.3442% | 1,479 |
Tier 1 risk-based capital ratio | 18.3396% | 2,118 |
Total risk-based capital ratio | 19.5906% | 2,082 |
Memoranda: | ||
Average total assets | $653,181,000 | 1,035 |
Average earning assets | $610,369,670 | 1,018 |
Average equity | $78,949,670 | 925 |
Average total loans | $411,287,000 | 1,059 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2845% | 422 |
Cost of funding earning assets | 0.6576% | 1,535 |
Net interest margin | 4.6269% | 534 |
Noninterest income to average assets | 0.5947% | 2,767 |
Noninterest expense to average assets | 2.5152% | 4,568 |
Loan and lease loss provision to assets | 0.4319% | 380 |
Net operating income to assets | 1.3966% | 991 |
Return on assets (ROA) | 1.4023% | 1,029 |
Pretax return on assets | 1.9834% | 549 |
Return on Equity (ROE) | 11.6871% | 1,498 |
Retained earnings to average equity (ytd only) | 11.6871% | 650 |
Net charge-offs to loans | 0.5234% | 707 |
Credit loss provision to net charge-offs | 130.5970% | 1,379 |
Earnings coverage of net charge-offs (x) | 7.2799% | 2,129 |
Efficiency ratio | 51.0966% | 6,185 |
Assets per employee ($millions) | 3.8514% | 4,230 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4579% | 3,339 |
Loan loss allowance to noncurrent loans | 147.2562% | 2,680 |
Noncurrent assets plus other real estate owned to assets | 1.9520% | 1,759 |
Noncurrent loans to loans | 0.9901% | 3,441 |
Net loans and leases to total assets | 62.4208% | 3,166 |
Net loans and leases to deposits | 71.3312% | 3,431 |
Net loans and leases to core deposits | 75.3765% | 3,480 |
Total domestic deposits to total assets | 87.5084% | 2,503 |
Equity capital to assets | 12.1268% | 1,783 |
Core capital (leverage) ratio | 12.1620% | 1,567 |
Tier 1 risk-based capital ratio | 17.8354% | 2,359 |
Total risk-based capital ratio | 19.0868% | 2,336 |
Memoranda: | ||
Average total assets | $648,373,000 | 1,055 |
Average earning assets | $606,454,000 | 1,036 |
Average equity | $77,795,000 | 942 |
Average total loans | $409,607,500 | 1,067 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8392% | 1,230 |
Cost of funding earning assets | 0.7492% | 1,499 |
Net interest margin | 4.0900% | 1,672 |
Noninterest income to average assets | 0.3824% | 4,574 |
Noninterest expense to average assets | 2.3829% | 5,120 |
Loan and lease loss provision to assets | 0.4473% | 648 |
Net operating income to assets | 1.0216% | 2,240 |
Return on assets (ROA) | 1.0152% | 2,324 |
Pretax return on assets | 1.3371% | 2,021 |
Return on Equity (ROE) | 8.9263% | 2,575 |
Retained earnings to average equity (ytd only) | 6.6712% | 1,589 |
Net charge-offs to loans | 0.6419% | 1,009 |
Credit loss provision to net charge-offs | 112.9530% | 2,137 |
Earnings coverage of net charge-offs (x) | 4.5270% | 3,543 |
Efficiency ratio | 57.0656% | 5,845 |
Assets per employee ($millions) | 3.8908% | 4,084 |
Cash dividends to net income (ytd only)* | 25.2632% | 3,495 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4369% | 3,485 |
Loan loss allowance to noncurrent loans | 63.8667% | 4,722 |
Noncurrent assets plus other real estate owned to assets | 2.7702% | 1,191 |
Noncurrent loans to loans | 2.2498% | 1,723 |
Net loans and leases to total assets | 62.0984% | 3,344 |
Net loans and leases to deposits | 70.6950% | 3,699 |
Net loans and leases to core deposits | 74.9053% | 3,744 |
Total domestic deposits to total assets | 87.8399% | 2,277 |
Equity capital to assets | 11.8692% | 1,889 |
Core capital (leverage) ratio | 11.8049% | 1,751 |
Tier 1 risk-based capital ratio | 17.5339% | 2,399 |
Total risk-based capital ratio | 18.7850% | 2,380 |
Memoranda: | ||
Average total assets | $655,013,000 | 1,018 |
Average earning assets | $607,479,400 | 1,010 |
Average equity | $74,499,000 | 961 |
Average total loans | $404,120,400 | 1,059 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7743% | 1,407 |
Cost of funding earning assets | 0.7639% | 1,519 |
Net interest margin | 4.0104% | 1,906 |
Noninterest income to average assets | 0.4006% | 4,536 |
Noninterest expense to average assets | 2.3384% | 5,219 |
Loan and lease loss provision to assets | 0.4828% | 577 |
Net operating income to assets | 0.9869% | 2,434 |
Return on assets (ROA) | 0.9773% | 2,581 |
Pretax return on assets | 1.2856% | 2,387 |
Return on Equity (ROE) | 8.6857% | 2,794 |
Retained earnings to average equity (ytd only) | 8.6857% | 1,163 |
Net charge-offs to loans | 0.6554% | 933 |
Credit loss provision to net charge-offs | 120.0202% | 1,962 |
Earnings coverage of net charge-offs (x) | 4.4276% | 3,445 |
Efficiency ratio | 56.7658% | 5,827 |
Assets per employee ($millions) | 3.8987% | 4,041 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4436% | 3,717 |
Loan loss allowance to noncurrent loans | 63.5269% | 4,674 |
Noncurrent assets plus other real estate owned to assets | 2.9735% | 1,244 |
Noncurrent loans to loans | 2.2724% | 1,930 |
Net loans and leases to total assets | 61.9505% | 3,373 |
Net loans and leases to deposits | 70.4609% | 3,717 |
Net loans and leases to core deposits | 74.3572% | 3,798 |
Total domestic deposits to total assets | 87.9218% | 2,180 |
Equity capital to assets | 11.7505% | 2,083 |
Core capital (leverage) ratio | 11.7158% | 1,880 |
Tier 1 risk-based capital ratio | 17.2538% | 2,607 |
Total risk-based capital ratio | 18.5047% | 2,569 |
Memoranda: | ||
Average total assets | $657,299,500 | 1,020 |
Average earning assets | $609,494,000 | 1,013 |
Average equity | $73,959,000 | 977 |
Average total loans | $403,420,500 | 1,061 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6504% | 1,700 |
Cost of funding earning assets | 0.7795% | 1,530 |
Net interest margin | 3.8709% | 2,307 |
Noninterest income to average assets | 0.3825% | 4,651 |
Noninterest expense to average assets | 2.2958% | 5,384 |
Loan and lease loss provision to assets | 0.4489% | 648 |
Net operating income to assets | 0.8999% | 2,797 |
Return on assets (ROA) | 0.8999% | 2,937 |
Pretax return on assets | 1.2269% | 2,570 |
Return on Equity (ROE) | 8.1165% | 3,030 |
Retained earnings to average equity (ytd only) | 8.1165% | 1,437 |
Net charge-offs to loans | 0.6436% | 1,023 |
Credit loss provision to net charge-offs | 114.5511% | 1,931 |
Earnings coverage of net charge-offs (x) | 4.2763% | 3,171 |
Efficiency ratio | 57.8051% | 5,763 |
Assets per employee ($millions) | 3.9679% | 3,877 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4054% | 4,009 |
Loan loss allowance to noncurrent loans | 55.0681% | 5,001 |
Noncurrent assets plus other real estate owned to assets | 3.3733% | 1,156 |
Noncurrent loans to loans | 2.5521% | 1,805 |
Net loans and leases to total assets | 60.3348% | 3,603 |
Net loans and leases to deposits | 68.1804% | 3,983 |
Net loans and leases to core deposits | 71.9819% | 4,042 |
Total domestic deposits to total assets | 88.4930% | 1,918 |
Equity capital to assets | 11.2662% | 2,504 |
Core capital (leverage) ratio | 11.3202% | 2,080 |
Tier 1 risk-based capital ratio | 16.8747% | 2,758 |
Total risk-based capital ratio | 18.1251% | 2,732 |
Memoranda: | ||
Average total assets | $659,370,000 | 1,017 |
Average earning assets | $611,385,670 | 1,010 |
Average equity | $73,110,000 | 985 |
Average total loans | $401,474,000 | 1,059 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4026% | 2,512 |
Cost of funding earning assets | 0.8103% | 1,474 |
Net interest margin | 3.5924% | 3,291 |
Noninterest income to average assets | 0.5534% | 3,411 |
Noninterest expense to average assets | 2.2757% | 5,488 |
Loan and lease loss provision to assets | 0.5473% | 482 |
Net operating income to assets | 0.7894% | 3,224 |
Return on assets (ROA) | 0.7894% | 3,356 |
Pretax return on assets | 1.0819% | 3,025 |
Return on Equity (ROE) | 7.1775% | 3,395 |
Retained earnings to average equity (ytd only) | 7.1775% | 2,078 |
Net charge-offs to loans | 0.4646% | 1,287 |
Credit loss provision to net charge-offs | 193.9655% | 1,117 |
Earnings coverage of net charge-offs (x) | 5.7737% | 2,326 |
Efficiency ratio | 58.2775% | 5,814 |
Assets per employee ($millions) | 4.1073% | 3,730 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4957% | 3,846 |
Loan loss allowance to noncurrent loans | 55.2233% | 4,925 |
Noncurrent assets plus other real estate owned to assets | 3.5447% | 1,192 |
Noncurrent loans to loans | 2.7084% | 1,890 |
Net loans and leases to total assets | 59.2297% | 3,565 |
Net loans and leases to deposits | 66.7983% | 3,935 |
Net loans and leases to core deposits | 70.3482% | 4,030 |
Total domestic deposits to total assets | 88.6694% | 1,888 |
Equity capital to assets | 11.0374% | 2,918 |
Core capital (leverage) ratio | 11.0901% | 2,190 |
Tier 1 risk-based capital ratio | 16.9576% | 2,768 |
Total risk-based capital ratio | 18.2092% | 2,742 |
Memoranda: | ||
Average total assets | $657,731,500 | 1,030 |
Average earning assets | $613,633,500 | 1,011 |
Average equity | $72,337,500 | 1,009 |
Average total loans | $399,458,000 | 1,062 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1208% | 1,262 |
Cost of funding earning assets | 0.9986% | 1,369 |
Net interest margin | 4.1222% | 1,914 |
Noninterest income to average assets | 0.5428% | 3,630 |
Noninterest expense to average assets | 2.3666% | 5,506 |
Loan and lease loss provision to assets | 0.4909% | 1,228 |
Net operating income to assets | 1.1100% | 1,910 |
Return on assets (ROA) | 1.1138% | 2,065 |
Pretax return on assets | 1.4867% | 1,722 |
Return on Equity (ROE) | 10.2933% | 2,053 |
Retained earnings to average equity (ytd only) | 7.8737% | 1,164 |
Net charge-offs to loans | 0.6568% | 1,791 |
Credit loss provision to net charge-offs | 119.2730% | 2,409 |
Earnings coverage of net charge-offs (x) | 4.7925% | 3,254 |
Efficiency ratio | 54.5415% | 6,214 |
Assets per employee ($millions) | 4.0887% | 3,766 |
Cash dividends to net income (ytd only)* | 23.5064% | 3,630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3733% | 4,291 |
Loan loss allowance to noncurrent loans | 161.0462% | 2,235 |
Noncurrent assets plus other real estate owned to assets | 2.5676% | 1,889 |
Noncurrent loans to loans | 0.8527% | 4,476 |
Net loans and leases to total assets | 60.5005% | 3,516 |
Net loans and leases to deposits | 68.2038% | 3,953 |
Net loans and leases to core deposits | 71.8148% | 4,064 |
Total domestic deposits to total assets | 88.7055% | 1,764 |
Equity capital to assets | 10.9582% | 3,003 |
Core capital (leverage) ratio | 11.0658% | 2,200 |
Tier 1 risk-based capital ratio | 16.6331% | 2,823 |
Total risk-based capital ratio | 17.8835% | 2,799 |
Memoranda: | ||
Average total assets | $641,669,000 | 1,027 |
Average earning assets | $590,941,400 | 1,024 |
Average equity | $69,433,400 | 1,013 |
Average total loans | $402,089,400 | 1,038 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1835% | 1,231 |
Cost of funding earning assets | 1.0288% | 1,400 |
Net interest margin | 4.1547% | 1,885 |
Noninterest income to average assets | 0.5583% | 3,552 |
Noninterest expense to average assets | 2.3085% | 5,664 |
Loan and lease loss provision to assets | 0.5847% | 967 |
Net operating income to assets | 1.0992% | 2,087 |
Return on assets (ROA) | 1.1025% | 2,275 |
Pretax return on assets | 1.4827% | 1,942 |
Return on Equity (ROE) | 10.2219% | 2,242 |
Retained earnings to average equity (ytd only) | 10.2219% | 862 |
Net charge-offs to loans | 0.7268% | 1,521 |
Credit loss provision to net charge-offs | 127.6790% | 2,255 |
Earnings coverage of net charge-offs (x) | 4.5052% | 3,286 |
Efficiency ratio | 52.8086% | 6,377 |
Assets per employee ($millions) | 4.0513% | 3,771 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3940% | 4,400 |
Loan loss allowance to noncurrent loans | 248.6259% | 1,463 |
Noncurrent assets plus other real estate owned to assets | 2.5000% | 2,121 |
Noncurrent loans to loans | 0.5607% | 5,321 |
Net loans and leases to total assets | 61.2071% | 3,530 |
Net loans and leases to deposits | 69.1067% | 4,008 |
Net loans and leases to core deposits | 72.7311% | 4,163 |
Total domestic deposits to total assets | 88.5690% | 1,681 |
Equity capital to assets | 11.0305% | 3,236 |
Core capital (leverage) ratio | 11.1666% | 2,238 |
Tier 1 risk-based capital ratio | 16.4758% | 3,015 |
Total risk-based capital ratio | 17.7263% | 2,980 |
Memoranda: | ||
Average total assets | $638,538,000 | 1,041 |
Average earning assets | $586,046,000 | 1,034 |
Average equity | $68,869,750 | 1,026 |
Average total loans | $402,286,500 | 1,043 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2068% | 1,233 |
Cost of funding earning assets | 1.0554% | 1,433 |
Net interest margin | 4.1514% | 1,899 |
Noninterest income to average assets | 0.5717% | 3,437 |
Noninterest expense to average assets | 2.3299% | 5,661 |
Loan and lease loss provision to assets | 0.5981% | 1,001 |
Net operating income to assets | 1.0738% | 2,153 |
Return on assets (ROA) | 1.0792% | 2,348 |
Pretax return on assets | 1.4585% | 1,985 |
Return on Equity (ROE) | 10.0834% | 2,324 |
Retained earnings to average equity (ytd only) | 10.0834% | 954 |
Net charge-offs to loans | 0.5777% | 1,874 |
Credit loss provision to net charge-offs | 163.5112% | 1,705 |
Earnings coverage of net charge-offs (x) | 5.6024% | 2,799 |
Efficiency ratio | 53.2025% | 6,394 |
Assets per employee ($millions) | 3.9878% | 3,903 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4311% | 4,338 |
Loan loss allowance to noncurrent loans | 127.6123% | 2,571 |
Noncurrent assets plus other real estate owned to assets | 2.9137% | 1,898 |
Noncurrent loans to loans | 1.1215% | 4,278 |
Net loans and leases to total assets | 61.9613% | 3,447 |
Net loans and leases to deposits | 69.8043% | 3,924 |
Net loans and leases to core deposits | 73.5500% | 4,088 |
Total domestic deposits to total assets | 88.7643% | 1,665 |
Equity capital to assets | 10.9159% | 3,210 |
Core capital (leverage) ratio | 10.9855% | 2,306 |
Tier 1 risk-based capital ratio | 16.0677% | 3,134 |
Total risk-based capital ratio | 17.3185% | 3,098 |
Memoranda: | ||
Average total assets | $635,313,670 | 1,044 |
Average earning assets | $582,698,670 | 1,034 |
Average equity | $67,992,670 | 1,031 |
Average total loans | $402,262,000 | 1,045 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1679% | 1,388 |
Cost of funding earning assets | 1.0926% | 1,439 |
Net interest margin | 4.0753% | 2,195 |
Noninterest income to average assets | 0.6158% | 3,131 |
Noninterest expense to average assets | 2.3958% | 5,487 |
Loan and lease loss provision to assets | 0.4417% | 1,413 |
Net operating income to assets | 1.1837% | 1,788 |
Return on assets (ROA) | 1.1900% | 1,952 |
Pretax return on assets | 1.5497% | 1,740 |
Return on Equity (ROE) | 11.2321% | 1,929 |
Retained earnings to average equity (ytd only) | 11.2321% | 978 |
Net charge-offs to loans | 0.5034% | 1,827 |
Credit loss provision to net charge-offs | 138.0671% | 1,782 |
Earnings coverage of net charge-offs (x) | 6.1992% | 2,243 |
Efficiency ratio | 54.7118% | 6,263 |
Assets per employee ($millions) | 3.9275% | 4,153 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2859% | 5,085 |
Loan loss allowance to noncurrent loans | 116.7416% | 2,677 |
Noncurrent assets plus other real estate owned to assets | 2.7513% | 2,137 |
Noncurrent loans to loans | 1.1015% | 4,493 |
Net loans and leases to total assets | 62.2977% | 3,193 |
Net loans and leases to deposits | 69.9594% | 3,741 |
Net loans and leases to core deposits | 73.4922% | 3,960 |
Total domestic deposits to total assets | 89.0483% | 1,667 |
Equity capital to assets | 10.6390% | 3,339 |
Core capital (leverage) ratio | 10.7964% | 2,444 |
Tier 1 risk-based capital ratio | 15.6385% | 3,370 |
Total risk-based capital ratio | 16.8314% | 3,369 |
Memoranda: | ||
Average total assets | $633,944,000 | 1,047 |
Average earning assets | $585,385,000 | 1,029 |
Average equity | $67,164,500 | 1,041 |
Average total loans | $402,850,000 | 1,046 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3666% | 1,506 |
Cost of funding earning assets | 1.2526% | 1,723 |
Net interest margin | 4.1140% | 2,372 |
Noninterest income to average assets | 0.5610% | 3,425 |
Noninterest expense to average assets | 2.3044% | 6,028 |
Loan and lease loss provision to assets | 0.8138% | 1,199 |
Net operating income to assets | 0.9739% | 2,305 |
Return on assets (ROA) | 0.9424% | 2,566 |
Pretax return on assets | 1.2118% | 2,412 |
Return on Equity (ROE) | 9.0021% | 2,446 |
Retained earnings to average equity (ytd only) | 6.5534% | 1,715 |
Net charge-offs to loans | 1.2147% | 1,382 |
Credit loss provision to net charge-offs | 101.3788% | 3,428 |
Earnings coverage of net charge-offs (x) | 2.5736% | 3,929 |
Efficiency ratio | 52.7280% | 6,641 |
Assets per employee ($millions) | 3.8510% | 4,202 |
Cash dividends to net income (ytd only)* | 27.2021% | 3,230 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2452% | 5,201 |
Loan loss allowance to noncurrent loans | 103.1128% | 2,975 |
Noncurrent assets plus other real estate owned to assets | 2.7462% | 2,210 |
Noncurrent loans to loans | 1.2076% | 4,360 |
Net loans and leases to total assets | 63.1959% | 3,352 |
Net loans and leases to deposits | 71.1546% | 3,928 |
Net loans and leases to core deposits | 74.5845% | 4,160 |
Total domestic deposits to total assets | 88.8150% | 1,652 |
Equity capital to assets | 10.5496% | 3,475 |
Core capital (leverage) ratio | 10.6311% | 2,580 |
Tier 1 risk-based capital ratio | 15.6041% | 3,265 |
Total risk-based capital ratio | 16.7827% | 3,254 |
Memoranda: | ||
Average total assets | $614,391,800 | 1,061 |
Average earning assets | $568,891,800 | 1,041 |
Average equity | $64,318,000 | 1,050 |
Average total loans | $406,034,400 | 1,047 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4065% | 1,493 |
Cost of funding earning assets | 1.2799% | 1,817 |
Net interest margin | 4.1266% | 2,367 |
Noninterest income to average assets | 0.5970% | 3,181 |
Noninterest expense to average assets | 2.3452% | 5,919 |
Loan and lease loss provision to assets | 1.0255% | 831 |
Net operating income to assets | 0.8340% | 3,004 |
Return on assets (ROA) | 0.8112% | 3,269 |
Pretax return on assets | 1.0209% | 3,325 |
Return on Equity (ROE) | 7.7648% | 3,153 |
Retained earnings to average equity (ytd only) | 7.7648% | 1,601 |
Net charge-offs to loans | 1.4600% | 1,006 |
Credit loss provision to net charge-offs | 105.4284% | 3,149 |
Earnings coverage of net charge-offs (x) | 2.1335% | 4,065 |
Efficiency ratio | 53.0530% | 6,589 |
Assets per employee ($millions) | 3.8237% | 4,255 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2598% | 5,191 |
Loan loss allowance to noncurrent loans | 127.6764% | 2,371 |
Noncurrent assets plus other real estate owned to assets | 2.9681% | 2,164 |
Noncurrent loans to loans | 0.9867% | 4,919 |
Net loans and leases to total assets | 65.0893% | 3,087 |
Net loans and leases to deposits | 73.1168% | 3,788 |
Net loans and leases to core deposits | 77.0161% | 4,046 |
Total domestic deposits to total assets | 89.0211% | 1,424 |
Equity capital to assets | 10.5452% | 3,652 |
Core capital (leverage) ratio | 10.8213% | 2,553 |
Tier 1 risk-based capital ratio | 15.1224% | 3,595 |
Total risk-based capital ratio | 16.3133% | 3,598 |
Memoranda: | ||
Average total assets | $611,061,500 | 1,072 |
Average earning assets | $566,164,000 | 1,055 |
Average equity | $63,842,250 | 1,064 |
Average total loans | $407,120,250 | 1,044 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3776% | 1,629 |
Cost of funding earning assets | 1.3058% | 1,909 |
Net interest margin | 4.0718% | 2,525 |
Noninterest income to average assets | 0.6099% | 3,073 |
Noninterest expense to average assets | 2.3727% | 5,925 |
Loan and lease loss provision to assets | 1.1203% | 722 |
Net operating income to assets | 0.7492% | 3,295 |
Return on assets (ROA) | 0.7522% | 3,404 |
Pretax return on assets | 0.9058% | 3,592 |
Return on Equity (ROE) | 7.2230% | 3,335 |
Retained earnings to average equity (ytd only) | 7.2230% | 1,776 |
Net charge-offs to loans | 1.8572% | 734 |
Credit loss provision to net charge-offs | 90.2096% | 3,448 |
Earnings coverage of net charge-offs (x) | 1.6285% | 4,073 |
Efficiency ratio | 53.9846% | 6,623 |
Assets per employee ($millions) | 3.7008% | 4,445 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1242% | 5,854 |
Loan loss allowance to noncurrent loans | 96.8392% | 2,979 |
Noncurrent assets plus other real estate owned to assets | 2.8735% | 2,337 |
Noncurrent loans to loans | 1.1609% | 4,718 |
Net loans and leases to total assets | 65.3540% | 3,174 |
Net loans and leases to deposits | 73.2713% | 3,903 |
Net loans and leases to core deposits | 77.6063% | 4,101 |
Total domestic deposits to total assets | 89.1945% | 1,420 |
Equity capital to assets | 10.4648% | 3,553 |
Core capital (leverage) ratio | 10.5271% | 2,688 |
Tier 1 risk-based capital ratio | 14.9918% | 3,501 |
Total risk-based capital ratio | 16.0563% | 3,580 |
Memoranda: | ||
Average total assets | $606,992,670 | 1,092 |
Average earning assets | $564,271,670 | 1,069 |
Average equity | $63,214,670 | 1,069 |
Average total loans | $405,874,670 | 1,063 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3021% | 1,861 |
Cost of funding earning assets | 1.3474% | 1,900 |
Net interest margin | 3.9547% | 2,896 |
Noninterest income to average assets | 0.6073% | 3,111 |
Noninterest expense to average assets | 2.4763% | 5,638 |
Loan and lease loss provision to assets | 0.5967% | 1,445 |
Net operating income to assets | 0.8894% | 2,617 |
Return on assets (ROA) | 0.8904% | 2,674 |
Pretax return on assets | 1.2173% | 2,314 |
Return on Equity (ROE) | 8.5709% | 2,667 |
Retained earnings to average equity (ytd only) | 8.5709% | 1,530 |
Net charge-offs to loans | 0.5175% | 2,190 |
Credit loss provision to net charge-offs | 171.4286% | 1,686 |
Earnings coverage of net charge-offs (x) | 5.2076% | 2,315 |
Efficiency ratio | 57.7369% | 6,296 |
Assets per employee ($millions) | 3.6704% | 4,606 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2965% | 5,148 |
Loan loss allowance to noncurrent loans | 46.5008% | 5,208 |
Noncurrent assets plus other real estate owned to assets | 3.5346% | 1,927 |
Noncurrent loans to loans | 2.7880% | 2,715 |
Net loans and leases to total assets | 66.3380% | 2,923 |
Net loans and leases to deposits | 74.3636% | 3,706 |
Net loans and leases to core deposits | 79.1232% | 3,865 |
Total domestic deposits to total assets | 89.2077% | 1,642 |
Equity capital to assets | 10.3972% | 3,283 |
Core capital (leverage) ratio | 10.4764% | 2,637 |
Tier 1 risk-based capital ratio | 14.7634% | 3,572 |
Total risk-based capital ratio | 16.0007% | 3,541 |
Memoranda: | ||
Average total assets | $603,322,500 | 1,109 |
Average earning assets | $561,665,000 | 1,089 |
Average equity | $62,677,500 | 1,073 |
Average total loans | $405,784,000 | 1,075 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9445% | 955 |
Cost of funding earning assets | 1.7335% | 1,451 |
Net interest margin | 4.2110% | 2,141 |
Noninterest income to average assets | 0.6479% | 3,165 |
Noninterest expense to average assets | 2.5624% | 5,569 |
Loan and lease loss provision to assets | 0.7023% | 2,332 |
Net operating income to assets | 0.9576% | 2,177 |
Return on assets (ROA) | 0.9739% | 2,241 |
Pretax return on assets | 1.2548% | 2,065 |
Return on Equity (ROE) | 9.2321% | 2,204 |
Retained earnings to average equity (ytd only) | 6.7855% | 1,414 |
Net charge-offs to loans | 0.7902% | 2,668 |
Credit loss provision to net charge-offs | 124.9219% | 3,290 |
Earnings coverage of net charge-offs (x) | 3.4441% | 3,351 |
Efficiency ratio | 56.9605% | 6,464 |
Assets per employee ($millions) | 3.5985% | 4,714 |
Cash dividends to net income (ytd only)* | 26.5008% | 3,200 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2271% | 5,380 |
Loan loss allowance to noncurrent loans | 128.2558% | 2,288 |
Noncurrent assets plus other real estate owned to assets | 2.5231% | 2,749 |
Noncurrent loans to loans | 0.9568% | 5,138 |
Net loans and leases to total assets | 66.4821% | 3,358 |
Net loans and leases to deposits | 74.6256% | 4,091 |
Net loans and leases to core deposits | 79.7689% | 4,245 |
Total domestic deposits to total assets | 89.0874% | 1,601 |
Equity capital to assets | 10.3800% | 3,296 |
Core capital (leverage) ratio | 10.6749% | 2,397 |
Tier 1 risk-based capital ratio | 14.6707% | 3,438 |
Total risk-based capital ratio | 15.8381% | 3,450 |
Memoranda: | ||
Average total assets | $569,576,000 | 1,180 |
Average earning assets | $520,847,000 | 1,178 |
Average equity | $60,083,600 | 1,110 |
Average total loans | $405,203,000 | 1,114 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0392% | 862 |
Cost of funding earning assets | 1.7895% | 1,459 |
Net interest margin | 4.2497% | 2,034 |
Noninterest income to average assets | 0.6398% | 3,190 |
Noninterest expense to average assets | 2.5766% | 5,411 |
Loan and lease loss provision to assets | 0.8057% | 1,884 |
Net operating income to assets | 0.8694% | 2,740 |
Return on assets (ROA) | 0.8849% | 2,813 |
Pretax return on assets | 1.1496% | 2,672 |
Return on Equity (ROE) | 8.3528% | 2,769 |
Retained earnings to average equity (ytd only) | 8.3528% | 1,291 |
Net charge-offs to loans | 0.8483% | 2,329 |
Credit loss provision to net charge-offs | 131.6299% | 3,066 |
Earnings coverage of net charge-offs (x) | 3.1614% | 3,560 |
Efficiency ratio | 57.1091% | 6,401 |
Assets per employee ($millions) | 3.5234% | 4,922 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2054% | 5,465 |
Loan loss allowance to noncurrent loans | 128.8166% | 2,205 |
Noncurrent assets plus other real estate owned to assets | 2.5546% | 2,813 |
Noncurrent loans to loans | 0.9357% | 5,359 |
Net loans and leases to total assets | 68.9924% | 2,988 |
Net loans and leases to deposits | 77.4505% | 3,929 |
Net loans and leases to core deposits | 82.9771% | 4,091 |
Total domestic deposits to total assets | 89.0794% | 1,353 |
Equity capital to assets | 10.4799% | 3,546 |
Core capital (leverage) ratio | 10.6817% | 2,524 |
Tier 1 risk-based capital ratio | 14.4267% | 3,553 |
Total risk-based capital ratio | 15.5854% | 3,568 |
Memoranda: | ||
Average total assets | $562,630,500 | 1,203 |
Average earning assets | $512,613,500 | 1,209 |
Average equity | $59,603,000 | 1,115 |
Average total loans | $405,986,250 | 1,119 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0862% | 779 |
Cost of funding earning assets | 1.8429% | 1,468 |
Net interest margin | 4.2433% | 1,997 |
Noninterest income to average assets | 0.6732% | 2,863 |
Noninterest expense to average assets | 2.6164% | 5,258 |
Loan and lease loss provision to assets | 0.8664% | 1,679 |
Net operating income to assets | 0.7178% | 3,319 |
Return on assets (ROA) | 0.7299% | 3,427 |
Pretax return on assets | 1.0487% | 2,941 |
Return on Equity (ROE) | 6.8640% | 3,363 |
Retained earnings to average equity (ytd only) | 6.8640% | 1,895 |
Net charge-offs to loans | 1.0783% | 1,746 |
Credit loss provision to net charge-offs | 110.0917% | 3,695 |
Earnings coverage of net charge-offs (x) | 2.4115% | 3,790 |
Efficiency ratio | 57.9608% | 6,383 |
Assets per employee ($millions) | 3.3845% | 5,232 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0752% | 6,059 |
Loan loss allowance to noncurrent loans | 153.8136% | 1,819 |
Noncurrent assets plus other real estate owned to assets | 1.8834% | 3,643 |
Noncurrent loans to loans | 0.6991% | 5,844 |
Net loans and leases to total assets | 70.9047% | 2,687 |
Net loans and leases to deposits | 79.7690% | 3,639 |
Net loans and leases to core deposits | 85.3355% | 3,928 |
Total domestic deposits to total assets | 88.8875% | 1,502 |
Equity capital to assets | 10.6068% | 3,271 |
Core capital (leverage) ratio | 10.6418% | 2,507 |
Tier 1 risk-based capital ratio | 14.1524% | 3,634 |
Total risk-based capital ratio | 15.1807% | 3,741 |
Memoranda: | ||
Average total assets | $554,040,330 | 1,227 |
Average earning assets | $501,499,000 | 1,249 |
Average equity | $58,916,000 | 1,126 |
Average total loans | $404,346,670 | 1,141 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1021% | 775 |
Cost of funding earning assets | 1.8674% | 1,580 |
Net interest margin | 4.2348% | 1,912 |
Noninterest income to average assets | 0.6681% | 2,824 |
Noninterest expense to average assets | 2.6919% | 4,940 |
Loan and lease loss provision to assets | 0.8752% | 1,456 |
Net operating income to assets | 0.6656% | 3,585 |
Return on assets (ROA) | 0.6826% | 3,631 |
Pretax return on assets | 0.9416% | 3,312 |
Return on Equity (ROE) | 6.4111% | 3,662 |
Retained earnings to average equity (ytd only) | 6.4111% | 2,405 |
Net charge-offs to loans | 1.0011% | 1,639 |
Credit loss provision to net charge-offs | 118.6944% | 2,941 |
Earnings coverage of net charge-offs (x) | 2.4322% | 3,324 |
Efficiency ratio | 60.0163% | 6,171 |
Assets per employee ($millions) | 3.3430% | 5,444 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0719% | 6,141 |
Loan loss allowance to noncurrent loans | 76.3999% | 3,551 |
Noncurrent assets plus other real estate owned to assets | 2.2765% | 3,180 |
Noncurrent loans to loans | 1.4030% | 4,631 |
Net loans and leases to total assets | 71.4979% | 2,568 |
Net loans and leases to deposits | 80.2310% | 3,618 |
Net loans and leases to core deposits | 85.8643% | 3,918 |
Total domestic deposits to total assets | 89.1150% | 1,461 |
Equity capital to assets | 10.5445% | 3,203 |
Core capital (leverage) ratio | 10.6833% | 2,461 |
Tier 1 risk-based capital ratio | 14.0706% | 3,612 |
Total risk-based capital ratio | 15.1044% | 3,721 |
Memoranda: | ||
Average total assets | $548,455,000 | 1,274 |
Average earning assets | $494,385,500 | 1,295 |
Average equity | $58,398,500 | 1,142 |
Average total loans | $403,961,500 | 1,173 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3528% | 933 |
Cost of funding earning assets | 2.2927% | 1,689 |
Net interest margin | 4.0601% | 2,605 |
Noninterest income to average assets | 0.6717% | 3,145 |
Noninterest expense to average assets | 2.5529% | 5,940 |
Loan and lease loss provision to assets | 0.8183% | 2,678 |
Net operating income to assets | 0.8117% | 2,486 |
Return on assets (ROA) | 0.6453% | 3,215 |
Pretax return on assets | 0.8177% | 3,190 |
Return on Equity (ROE) | 6.0136% | 3,203 |
Retained earnings to average equity (ytd only) | 3.8013% | 2,542 |
Net charge-offs to loans | 1.0794% | 2,261 |
Credit loss provision to net charge-offs | 99.3822% | 5,605 |
Earnings coverage of net charge-offs (x) | 2.2428% | 4,036 |
Efficiency ratio | 58.0275% | 6,756 |
Assets per employee ($millions) | 3.3045% | 5,480 |
Cash dividends to net income (ytd only)* | 36.7883% | 3,065 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0226% | 6,257 |
Loan loss allowance to noncurrent loans | 70.8340% | 3,876 |
Noncurrent assets plus other real estate owned to assets | 2.2455% | 3,076 |
Noncurrent loans to loans | 1.4437% | 4,505 |
Net loans and leases to total assets | 74.3188% | 2,190 |
Net loans and leases to deposits | 83.7741% | 3,319 |
Net loans and leases to core deposits | 113.7504% | 2,524 |
Total domestic deposits to total assets | 88.7133% | 1,622 |
Equity capital to assets | 10.7549% | 2,916 |
Core capital (leverage) ratio | 10.8620% | 2,308 |
Tier 1 risk-based capital ratio | 13.2913% | 3,951 |
Total risk-based capital ratio | 14.2403% | 4,100 |
Memoranda: | ||
Average total assets | $530,763,200 | 1,296 |
Average earning assets | $487,329,600 | 1,296 |
Average equity | $56,953,800 | 1,159 |
Average total loans | $404,841,600 | 1,188 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3542% | 1,020 |
Cost of funding earning assets | 2.3663% | 1,754 |
Net interest margin | 3.9879% | 2,866 |
Noninterest income to average assets | 0.6636% | 3,265 |
Noninterest expense to average assets | 2.5645% | 5,841 |
Loan and lease loss provision to assets | 0.8699% | 2,209 |
Net operating income to assets | 0.6769% | 3,291 |
Return on assets (ROA) | 0.4639% | 4,246 |
Pretax return on assets | 0.6162% | 4,141 |
Return on Equity (ROE) | 4.3260% | 4,242 |
Retained earnings to average equity (ytd only) | 4.3260% | 2,852 |
Net charge-offs to loans | 0.8524% | 2,261 |
Credit loss provision to net charge-offs | 133.2561% | 3,747 |
Earnings coverage of net charge-offs (x) | 2.7115% | 3,871 |
Efficiency ratio | 59.1647% | 6,538 |
Assets per employee ($millions) | 3.4292% | 5,099 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2289% | 4,958 |
Loan loss allowance to noncurrent loans | 41.4419% | 5,563 |
Noncurrent assets plus other real estate owned to assets | 3.8932% | 1,649 |
Noncurrent loans to loans | 2.9654% | 2,552 |
Net loans and leases to total assets | 75.4800% | 2,103 |
Net loans and leases to deposits | 85.0444% | 3,491 |
Net loans and leases to core deposits | 116.7819% | 2,543 |
Total domestic deposits to total assets | 88.7537% | 1,312 |
Equity capital to assets | 10.7682% | 3,228 |
Core capital (leverage) ratio | 10.7612% | 2,594 |
Tier 1 risk-based capital ratio | 13.9023% | 3,608 |
Total risk-based capital ratio | 15.1148% | 3,566 |
Memoranda: | ||
Average total assets | $528,795,000 | 1,313 |
Average earning assets | $486,761,000 | 1,312 |
Average equity | $56,709,750 | 1,180 |
Average total loans | $404,941,000 | 1,205 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3626% | 1,076 |
Cost of funding earning assets | 2.4185% | 1,885 |
Net interest margin | 3.9441% | 2,912 |
Noninterest income to average assets | 0.6641% | 3,238 |
Noninterest expense to average assets | 2.6138% | 5,691 |
Loan and lease loss provision to assets | 0.7974% | 2,097 |
Net operating income to assets | 0.6974% | 3,265 |
Return on assets (ROA) | 0.3584% | 4,766 |
Pretax return on assets | 0.4549% | 4,772 |
Return on Equity (ROE) | 3.3468% | 4,770 |
Retained earnings to average equity (ytd only) | 3.3468% | 3,465 |
Net charge-offs to loans | 0.6639% | 2,373 |
Credit loss provision to net charge-offs | 156.7164% | 2,936 |
Earnings coverage of net charge-offs (x) | 3.3045% | 3,493 |
Efficiency ratio | 60.8557% | 6,418 |
Assets per employee ($millions) | 3.4208% | 5,017 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2031% | 4,913 |
Loan loss allowance to noncurrent loans | 34.1946% | 6,172 |
Noncurrent assets plus other real estate owned to assets | 4.4280% | 1,276 |
Noncurrent loans to loans | 3.5183% | 1,990 |
Net loans and leases to total assets | 75.7585% | 2,243 |
Net loans and leases to deposits | 85.2365% | 3,696 |
Net loans and leases to core deposits | 120.4238% | 2,332 |
Total domestic deposits to total assets | 88.8803% | 1,325 |
Equity capital to assets | 10.6267% | 3,272 |
Core capital (leverage) ratio | 10.6788% | 2,681 |
Tier 1 risk-based capital ratio | 13.6609% | 3,718 |
Total risk-based capital ratio | 14.8468% | 3,686 |
Memoranda: | ||
Average total assets | $526,741,330 | 1,337 |
Average earning assets | $484,927,330 | 1,331 |
Average equity | $56,411,330 | 1,196 |
Average total loans | $403,651,670 | 1,234 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4505% | 955 |
Cost of funding earning assets | 2.4654% | 2,048 |
Net interest margin | 3.9851% | 2,706 |
Noninterest income to average assets | 0.6643% | 3,111 |
Noninterest expense to average assets | 2.6356% | 5,296 |
Loan and lease loss provision to assets | 0.5733% | 2,193 |
Net operating income to assets | 0.7606% | 3,297 |
Return on assets (ROA) | 0.7606% | 3,472 |
Pretax return on assets | 1.1114% | 2,944 |
Return on Equity (ROE) | 7.0740% | 3,565 |
Retained earnings to average equity (ytd only) | 7.0740% | 2,184 |
Net charge-offs to loans | 0.2554% | 3,132 |
Credit loss provision to net charge-offs | 292.9688% | 1,658 |
Earnings coverage of net charge-offs (x) | 8.6094% | 2,165 |
Efficiency ratio | 61.0050% | 6,251 |
Assets per employee ($millions) | 3.3443% | 5,211 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1563% | 5,076 |
Loan loss allowance to noncurrent loans | 37.8864% | 6,018 |
Noncurrent assets plus other real estate owned to assets | 3.9392% | 1,315 |
Noncurrent loans to loans | 3.0521% | 2,134 |
Net loans and leases to total assets | 75.3356% | 2,422 |
Net loans and leases to deposits | 85.0049% | 3,820 |
Net loans and leases to core deposits | 119.6101% | 2,454 |
Total domestic deposits to total assets | 88.6250% | 1,410 |
Equity capital to assets | 10.7417% | 3,244 |
Core capital (leverage) ratio | 10.9023% | 2,582 |
Tier 1 risk-based capital ratio | 13.8484% | 3,669 |
Total risk-based capital ratio | 14.9846% | 3,649 |
Memoranda: | ||
Average total assets | $523,289,000 | 1,351 |
Average earning assets | $480,090,500 | 1,350 |
Average equity | $56,262,500 | 1,203 |
Average total loans | $400,875,000 | 1,253 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1932% | 758 |
Cost of funding earning assets | 3.0968% | 1,513 |
Net interest margin | 4.0963% | 2,726 |
Noninterest income to average assets | 0.7365% | 2,863 |
Noninterest expense to average assets | 2.2116% | 6,938 |
Loan and lease loss provision to assets | 0.4188% | 3,189 |
Net operating income to assets | 1.3992% | 1,234 |
Return on assets (ROA) | 1.3893% | 1,202 |
Pretax return on assets | 1.9160% | 741 |
Return on Equity (ROE) | 13.4023% | 1,238 |
Retained earnings to average equity (ytd only) | 10.4566% | 392 |
Net charge-offs to loans | 0.5730% | 2,098 |
Credit loss provision to net charge-offs | 94.0357% | 5,569 |
Earnings coverage of net charge-offs (x) | 5.2734% | 3,705 |
Efficiency ratio | 48.5013% | 7,765 |
Assets per employee ($millions) | 3.4090% | 4,920 |
Cash dividends to net income (ytd only)* | 21.9788% | 4,379 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0433% | 5,683 |
Loan loss allowance to noncurrent loans | 32.3767% | 6,561 |
Noncurrent assets plus other real estate owned to assets | 4.1367% | 973 |
Noncurrent loans to loans | 3.2224% | 1,626 |
Net loans and leases to total assets | 76.2010% | 2,565 |
Net loans and leases to deposits | 87.4452% | 3,875 |
Net loans and leases to core deposits | 123.9607% | 2,331 |
Total domestic deposits to total assets | 87.1413% | 1,869 |
Equity capital to assets | 10.7619% | 3,238 |
Core capital (leverage) ratio | 10.8086% | 2,739 |
Tier 1 risk-based capital ratio | 13.7489% | 3,672 |
Total risk-based capital ratio | 14.7753% | 3,705 |
Memoranda: | ||
Average total assets | $515,815,400 | 1,305 |
Average earning assets | $481,457,400 | 1,276 |
Average equity | $53,468,400 | 1,264 |
Average total loans | $400,840,200 | 1,209 |