Home > Montana State Bank > Performance and Condition Ratios
Montana State Bank, Performance and Condition Ratios
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 | 0.7429% | 5,892 |
Cost of funding earning assets | 0.0205% | 5,872 |
Net interest margin | 0.7224% | 5,891 |
Noninterest income to average assets | 0.0188% | 5,830 |
Noninterest expense to average assets | 0.4397% | 5,895 |
Loan and lease loss provision to assets | 0.3895% | 405 |
Net operating income to assets | -0.2387% | 5,725 |
Return on assets (ROA) | -0.2387% | 5,736 |
Pretax return on assets | -0.1457% | 5,705 |
Return on Equity (ROE) | -2.5364% | 5,745 |
Retained earnings to average equity (ytd only) | -2.5364% | 5,563 |
Net charge-offs to loans | 0.8596% | 228 |
Credit loss provision to net charge-offs | 100.0000% | 2,563 |
Earnings coverage of net charge-offs (x) | 0.6258% | 4,087 |
Efficiency ratio | 64.3382% | 3,879 |
Assets per employee ($millions) | 6.3902% | 1,211 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 5,860 |
Loan loss allowance to noncurrent loans | 0.0000% | 5,315 |
Noncurrent assets plus other real estate owned to assets | 0.5224% | 3,175 |
Noncurrent loans to loans | 1.2330% | 1,666 |
Net loans and leases to total assets | 42.3724% | 5,218 |
Net loans and leases to deposits | 47.9322% | 5,303 |
Net loans and leases to core deposits | 48.2979% | 5,358 |
Total domestic deposits to total assets | 88.4006% | 1,435 |
Equity capital to assets | 11.4285% | 2,226 |
Core capital (leverage) ratio | 9.2695% | 4,383 |
Tier 1 risk-based capital ratio | 17.4441% | 2,024 |
Total risk-based capital ratio | 17.4441% | 2,411 |
Memoranda: | ||
Average total assets | $79,599,000 | 4,738 |
Average earning assets | $73,226,200 | 4,732 |
Average equity | $7,491,000 | 5,008 |
Average total loans | $36,061,800 | 5,018 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0766% | 5,495 |
Cost of funding earning assets | 0.1352% | 5,586 |
Net interest margin | 2.9414% | 5,110 |
Noninterest income to average assets | 0.1914% | 5,318 |
Noninterest expense to average assets | 2.7892% | 3,045 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.1660% | 5,523 |
Return on assets (ROA) | 0.1660% | 5,579 |
Pretax return on assets | 0.1660% | 5,599 |
Return on Equity (ROE) | 1.8692% | 5,498 |
Retained earnings to average equity (ytd only) | -2.4414% | 5,624 |
Net charge-offs to loans | -0.0221% | 5,043 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.3840% | 371 |
Assets per employee ($millions) | 5.7358% | 1,629 |
Cash dividends to net income (ytd only)* | 230.6215% | 64 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1844% | 3,339 |
Loan loss allowance to noncurrent loans | 370.7317% | 1,364 |
Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,770 |
Noncurrent loans to loans | 0.3195% | 4,108 |
Net loans and leases to total assets | 51.0192% | 4,730 |
Net loans and leases to deposits | 56.2583% | 4,975 |
Net loans and leases to core deposits | 56.7247% | 5,111 |
Total domestic deposits to total assets | 90.6874% | 278 |
Equity capital to assets | 9.2509% | 4,919 |
Core capital (leverage) ratio | 8.9268% | 4,910 |
Tier 1 risk-based capital ratio | 17.1165% | 2,190 |
Total risk-based capital ratio | 18.2518% | 2,185 |
Memoranda: | ||
Average total assets | $78,730,500 | 4,790 |
Average earning assets | $73,975,500 | 4,757 |
Average equity | $6,990,250 | 5,142 |
Average total loans | $36,277,250 | 5,054 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9557% | 5,681 |
Cost of funding earning assets | 0.1330% | 5,665 |
Net interest margin | 2.8227% | 5,391 |
Noninterest income to average assets | 0.1922% | 5,347 |
Noninterest expense to average assets | 1.8797% | 5,492 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.9611% | 2,570 |
Return on assets (ROA) | 0.9611% | 2,722 |
Pretax return on assets | 0.9611% | 3,737 |
Return on Equity (ROE) | 10.9671% | 1,657 |
Retained earnings to average equity (ytd only) | 4.7287% | 2,909 |
Net charge-offs to loans | -0.0450% | 5,321 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.1687% | 3,657 |
Assets per employee ($millions) | 6.5680% | 1,054 |
Cash dividends to net income (ytd only)* | 56.8831% | 1,667 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2853% | 2,874 |
Loan loss allowance to noncurrent loans | 61.3941% | 4,543 |
Noncurrent assets plus other real estate owned to assets | 0.9465% | 2,260 |
Noncurrent loans to loans | 2.0934% | 936 |
Net loans and leases to total assets | 44.6318% | 5,197 |
Net loans and leases to deposits | 50.0598% | 5,335 |
Net loans and leases to core deposits | 50.4590% | 5,414 |
Total domestic deposits to total assets | 89.1570% | 846 |
Equity capital to assets | 8.9906% | 5,245 |
Core capital (leverage) ratio | 8.9174% | 4,921 |
Tier 1 risk-based capital ratio | 18.5793% | 1,781 |
Total risk-based capital ratio | 19.7662% | 1,763 |
Memoranda: | ||
Average total assets | $80,118,670 | 4,815 |
Average earning assets | $75,176,000 | 4,778 |
Average equity | $7,021,000 | 5,190 |
Average total loans | $35,536,670 | 5,122 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9610% | 5,725 |
Cost of funding earning assets | 0.1320% | 5,741 |
Net interest margin | 2.8290% | 5,429 |
Noninterest income to average assets | 0.2328% | 5,075 |
Noninterest expense to average assets | 1.9166% | 5,500 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.9707% | 2,409 |
Return on assets (ROA) | 0.9707% | 2,521 |
Pretax return on assets | 0.9707% | 3,575 |
Return on Equity (ROE) | 11.2184% | 1,526 |
Retained earnings to average equity (ytd only) | 10.7605% | 699 |
Net charge-offs to loans | 0.0338% | 2,289 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 65.3333% | 735 |
Efficiency ratio | 66.3808% | 3,737 |
Assets per employee ($millions) | 6.8748% | 945 |
Cash dividends to net income (ytd only)* | 4.0816% | 2,813 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3636% | 2,590 |
Loan loss allowance to noncurrent loans | 296.0265% | 1,631 |
Noncurrent assets plus other real estate owned to assets | 0.1830% | 4,833 |
Noncurrent loans to loans | 0.4606% | 3,794 |
Net loans and leases to total assets | 39.1954% | 5,500 |
Net loans and leases to deposits | 43.7089% | 5,604 |
Net loans and leases to core deposits | 44.0387% | 5,655 |
Total domestic deposits to total assets | 89.6736% | 750 |
Equity capital to assets | 8.5906% | 5,501 |
Core capital (leverage) ratio | 8.6640% | 5,220 |
Tier 1 risk-based capital ratio | 20.6757% | 1,368 |
Total risk-based capital ratio | 21.9235% | 1,343 |
Memoranda: | ||
Average total assets | $80,770,000 | 4,842 |
Average earning assets | $75,786,000 | 4,803 |
Average equity | $6,988,500 | 5,233 |
Average total loans | $35,487,500 | 5,162 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8626% | 5,842 |
Cost of funding earning assets | 0.1635% | 5,582 |
Net interest margin | 2.6991% | 5,646 |
Noninterest income to average assets | 0.1658% | 5,591 |
Noninterest expense to average assets | 1.9220% | 5,583 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.7788% | 3,425 |
Return on assets (ROA) | 0.7788% | 3,500 |
Pretax return on assets | 0.7788% | 4,262 |
Return on Equity (ROE) | 9.4115% | 2,265 |
Retained earnings to average equity (ytd only) | 2.8426% | 4,049 |
Net charge-offs to loans | 0.1548% | 1,825 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 11.2105% | 2,606 |
Efficiency ratio | 71.1643% | 3,042 |
Assets per employee ($millions) | 6.5869% | 1,058 |
Cash dividends to net income (ytd only)* | 69.7966% | 1,264 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1782% | 3,598 |
Loan loss allowance to noncurrent loans | 584.4156% | 939 |
Noncurrent assets plus other real estate owned to assets | 0.0974% | 5,228 |
Noncurrent loans to loans | 0.2016% | 4,697 |
Net loans and leases to total assets | 47.7500% | 5,035 |
Net loans and leases to deposits | 53.3576% | 5,194 |
Net loans and leases to core deposits | 54.0413% | 5,313 |
Total domestic deposits to total assets | 89.4905% | 862 |
Equity capital to assets | 8.7168% | 5,374 |
Core capital (leverage) ratio | 8.8965% | 5,007 |
Tier 1 risk-based capital ratio | 17.8580% | 2,010 |
Total risk-based capital ratio | 19.0055% | 1,985 |
Memoranda: | ||
Average total assets | $82,048,800 | 4,825 |
Average earning assets | $77,063,600 | 4,784 |
Average equity | $6,789,600 | 5,280 |
Average total loans | $36,821,000 | 5,129 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7856% | 5,965 |
Cost of funding earning assets | 0.1729% | 5,604 |
Net interest margin | 2.6127% | 5,825 |
Noninterest income to average assets | 0.1755% | 5,601 |
Noninterest expense to average assets | 1.7761% | 5,810 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.8567% | 3,141 |
Return on assets (ROA) | 0.8567% | 3,231 |
Pretax return on assets | 0.8567% | 4,149 |
Return on Equity (ROE) | 10.4859% | 1,905 |
Retained earnings to average equity (ytd only) | 3.1339% | 4,226 |
Net charge-offs to loans | 0.1535% | 1,607 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 12.6664% | 2,389 |
Efficiency ratio | 67.4618% | 3,637 |
Assets per employee ($millions) | 6.5378% | 1,056 |
Cash dividends to net income (ytd only)* | 70.1122% | 1,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1809% | 3,759 |
Loan loss allowance to noncurrent loans | 1,107.1429% | 519 |
Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,561 |
Noncurrent loans to loans | 0.1067% | 5,209 |
Net loans and leases to total assets | 49.5985% | 4,963 |
Net loans and leases to deposits | 55.4468% | 5,158 |
Net loans and leases to core deposits | 56.1606% | 5,301 |
Total domestic deposits to total assets | 89.4524% | 794 |
Equity capital to assets | 8.7529% | 5,533 |
Core capital (leverage) ratio | 8.5539% | 5,510 |
Tier 1 risk-based capital ratio | 17.1182% | 2,329 |
Total risk-based capital ratio | 18.2604% | 2,318 |
Memoranda: | ||
Average total assets | $82,800,250 | 4,870 |
Average earning assets | $77,875,500 | 4,822 |
Average equity | $6,764,500 | 5,353 |
Average total loans | $36,478,000 | 5,197 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6588% | 6,094 |
Cost of funding earning assets | 0.1742% | 5,657 |
Net interest margin | 2.4846% | 5,976 |
Noninterest income to average assets | 0.1804% | 5,614 |
Noninterest expense to average assets | 1.6879% | 5,979 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.8285% | 3,222 |
Return on assets (ROA) | 0.8285% | 3,336 |
Pretax return on assets | 0.8285% | 4,212 |
Return on Equity (ROE) | 10.3710% | 1,907 |
Retained earnings to average equity (ytd only) | 1.7533% | 4,821 |
Net charge-offs to loans | 0.2422% | 1,075 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 8.1163% | 2,594 |
Efficiency ratio | 67.0755% | 3,824 |
Assets per employee ($millions) | 6.4367% | 1,086 |
Cash dividends to net income (ytd only)* | 83.0946% | 852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2748% | 3,372 |
Loan loss allowance to noncurrent loans | 53.7659% | 4,893 |
Noncurrent assets plus other real estate owned to assets | 1.0313% | 2,444 |
Noncurrent loans to loans | 2.3710% | 976 |
Net loans and leases to total assets | 42.9437% | 5,440 |
Net loans and leases to deposits | 47.5871% | 5,611 |
Net loans and leases to core deposits | 48.8778% | 5,658 |
Total domestic deposits to total assets | 90.2422% | 560 |
Equity capital to assets | 8.0823% | 5,941 |
Core capital (leverage) ratio | 8.1003% | 5,870 |
Tier 1 risk-based capital ratio | 17.3403% | 2,269 |
Total risk-based capital ratio | 18.5116% | 2,259 |
Memoranda: | ||
Average total assets | $84,249,000 | 4,888 |
Average earning assets | $79,209,000 | 4,842 |
Average equity | $6,730,330 | 5,404 |
Average total loans | $35,511,670 | 5,280 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6073% | 6,181 |
Cost of funding earning assets | 0.1758% | 5,713 |
Net interest margin | 2.4315% | 6,080 |
Noninterest income to average assets | 0.1987% | 5,526 |
Noninterest expense to average assets | 1.6987% | 6,014 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7902% | 3,315 |
Return on assets (ROA) | 0.7902% | 3,450 |
Pretax return on assets | 0.7902% | 4,278 |
Return on Equity (ROE) | 9.9494% | 2,027 |
Retained earnings to average equity (ytd only) | 1.9065% | 4,713 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2510% | 3,782 |
Assets per employee ($millions) | 6.5875% | 1,027 |
Cash dividends to net income (ytd only)* | 80.8383% | 964 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5426% | 2,268 |
Loan loss allowance to noncurrent loans | 74.7788% | 4,308 |
Noncurrent assets plus other real estate owned to assets | 0.7917% | 3,129 |
Noncurrent loans to loans | 2.0629% | 1,257 |
Net loans and leases to total assets | 37.7862% | 5,730 |
Net loans and leases to deposits | 41.7363% | 5,849 |
Net loans and leases to core deposits | 42.6928% | 5,875 |
Total domestic deposits to total assets | 90.5356% | 517 |
Equity capital to assets | 7.8681% | 6,078 |
Core capital (leverage) ratio | 7.9089% | 5,987 |
Tier 1 risk-based capital ratio | 18.4172% | 2,026 |
Total risk-based capital ratio | 19.6662% | 1,977 |
Memoranda: | ||
Average total assets | $84,535,000 | 4,928 |
Average earning assets | $79,622,000 | 4,874 |
Average equity | $6,714,000 | 5,459 |
Average total loans | $35,068,500 | 5,328 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1230% | 5,922 |
Cost of funding earning assets | 0.1901% | 5,836 |
Net interest margin | 2.9329% | 5,577 |
Noninterest income to average assets | 0.1850% | 5,748 |
Noninterest expense to average assets | 1.8860% | 5,957 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.0398% | 2,213 |
Return on assets (ROA) | 1.0411% | 2,285 |
Pretax return on assets | 1.0411% | 3,344 |
Return on Equity (ROE) | 12.9242% | 1,161 |
Retained earnings to average equity (ytd only) | 4.8083% | 2,750 |
Net charge-offs to loans | 0.0107% | 4,693 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 210.7500% | 253 |
Efficiency ratio | 64.4604% | 4,518 |
Assets per employee ($millions) | 6.9528% | 867 |
Cash dividends to net income (ytd only)* | 62.7962% | 1,614 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3603% | 3,134 |
Loan loss allowance to noncurrent loans | 1,950.0000% | 335 |
Noncurrent assets plus other real estate owned to assets | 0.0312% | 5,922 |
Noncurrent loans to loans | 0.0698% | 5,600 |
Net loans and leases to total assets | 44.0641% | 5,461 |
Net loans and leases to deposits | 48.7619% | 5,644 |
Net loans and leases to core deposits | 50.1644% | 5,707 |
Total domestic deposits to total assets | 90.3659% | 588 |
Equity capital to assets | 8.0184% | 6,063 |
Core capital (leverage) ratio | 8.1878% | 5,861 |
Tier 1 risk-based capital ratio | 16.7359% | 2,627 |
Total risk-based capital ratio | 17.9863% | 2,578 |
Memoranda: | ||
Average total assets | $81,071,600 | 5,038 |
Average earning assets | $75,760,200 | 4,997 |
Average equity | $6,530,400 | 5,514 |
Average total loans | $37,219,800 | 5,285 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1176% | 6,007 |
Cost of funding earning assets | 0.1916% | 5,898 |
Net interest margin | 2.9259% | 5,647 |
Noninterest income to average assets | 0.2087% | 5,684 |
Noninterest expense to average assets | 1.7643% | 6,137 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.1762% | 1,769 |
Return on assets (ROA) | 1.1779% | 1,830 |
Pretax return on assets | 1.1779% | 2,871 |
Return on Equity (ROE) | 14.6057% | 890 |
Retained earnings to average equity (ytd only) | 5.5259% | 2,726 |
Net charge-offs to loans | 0.0036% | 4,575 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 711.7594% | 104 |
Efficiency ratio | 60.0000% | 5,178 |
Assets per employee ($millions) | 6.1335% | 1,242 |
Cash dividends to net income (ytd only)* | 62.1659% | 1,294 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2311% | 4,067 |
Loan loss allowance to noncurrent loans | 822.5806% | 666 |
Noncurrent assets plus other real estate owned to assets | 0.0778% | 5,851 |
Noncurrent loans to loans | 0.1497% | 5,469 |
Net loans and leases to total assets | 51.3143% | 4,869 |
Net loans and leases to deposits | 57.0027% | 5,174 |
Net loans and leases to core deposits | 58.7258% | 5,290 |
Total domestic deposits to total assets | 90.0208% | 723 |
Equity capital to assets | 8.3350% | 5,913 |
Core capital (leverage) ratio | 8.3411% | 5,812 |
Tier 1 risk-based capital ratio | 15.4438% | 3,353 |
Total risk-based capital ratio | 16.6367% | 3,315 |
Memoranda: | ||
Average total assets | $80,481,250 | 5,108 |
Average earning assets | $75,142,500 | 5,064 |
Average equity | $6,490,500 | 5,578 |
Average total loans | $37,207,000 | 5,331 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0172% | 6,157 |
Cost of funding earning assets | 0.1911% | 5,994 |
Net interest margin | 2.8262% | 5,853 |
Noninterest income to average assets | 0.2056% | 5,725 |
Noninterest expense to average assets | 1.7020% | 6,266 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.1421% | 1,783 |
Return on assets (ROA) | 1.1446% | 1,859 |
Pretax return on assets | 1.1446% | 2,904 |
Return on Equity (ROE) | 14.3508% | 895 |
Retained earnings to average equity (ytd only) | 3.9449% | 3,670 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.8432% | 5,317 |
Assets per employee ($millions) | 6.1907% | 1,176 |
Cash dividends to net income (ytd only)* | 72.5108% | 1,108 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3443% | 3,619 |
Loan loss allowance to noncurrent loans | 242.1801% | 1,811 |
Noncurrent assets plus other real estate owned to assets | 0.2622% | 5,305 |
Noncurrent loans to loans | 0.5551% | 4,351 |
Net loans and leases to total assets | 46.5960% | 5,304 |
Net loans and leases to deposits | 51.6117% | 5,524 |
Net loans and leases to core deposits | 53.0988% | 5,608 |
Total domestic deposits to total assets | 90.2819% | 668 |
Equity capital to assets | 8.0791% | 6,112 |
Core capital (leverage) ratio | 7.9702% | 6,119 |
Tier 1 risk-based capital ratio | 16.0901% | 3,043 |
Total risk-based capital ratio | 17.3412% | 2,983 |
Memoranda: | ||
Average total assets | $80,729,670 | 5,144 |
Average earning assets | $75,367,000 | 5,098 |
Average equity | $6,438,670 | 5,621 |
Average total loans | $35,800,670 | 5,429 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9113% | 6,320 |
Cost of funding earning assets | 0.1909% | 6,072 |
Net interest margin | 2.7204% | 6,082 |
Noninterest income to average assets | 0.2226% | 5,577 |
Noninterest expense to average assets | 1.7265% | 6,312 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.0339% | 2,068 |
Return on assets (ROA) | 1.0389% | 2,122 |
Pretax return on assets | 1.0389% | 3,171 |
Return on Equity (ROE) | 13.1107% | 1,134 |
Retained earnings to average equity (ytd only) | 4.4327% | 3,465 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5448% | 5,059 |
Assets per employee ($millions) | 6.8247% | 876 |
Cash dividends to net income (ytd only)* | 66.1905% | 1,243 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5082% | 3,111 |
Loan loss allowance to noncurrent loans | 103.8618% | 3,527 |
Noncurrent assets plus other real estate owned to assets | 0.6008% | 4,348 |
Noncurrent loans to loans | 1.4521% | 2,611 |
Net loans and leases to total assets | 40.7480% | 5,762 |
Net loans and leases to deposits | 44.9956% | 5,918 |
Net loans and leases to core deposits | 46.2644% | 5,975 |
Total domestic deposits to total assets | 90.5600% | 766 |
Equity capital to assets | 7.8697% | 6,137 |
Core capital (leverage) ratio | 7.8094% | 6,214 |
Tier 1 risk-based capital ratio | 17.5311% | 2,469 |
Total risk-based capital ratio | 18.7839% | 2,440 |
Memoranda: | ||
Average total assets | $80,855,000 | 5,192 |
Average earning assets | $75,430,000 | 5,135 |
Average equity | $6,407,000 | 5,662 |
Average total loans | $34,695,500 | 5,509 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1693% | 6,171 |
Cost of funding earning assets | 0.2132% | 6,212 |
Net interest margin | 2.9560% | 5,667 |
Noninterest income to average assets | 0.2131% | 5,807 |
Noninterest expense to average assets | 1.9391% | 6,125 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.0306% | 2,197 |
Return on assets (ROA) | 1.0306% | 2,262 |
Pretax return on assets | 1.0306% | 3,225 |
Return on Equity (ROE) | 12.7965% | 1,210 |
Retained earnings to average equity (ytd only) | 4.9379% | 2,641 |
Net charge-offs to loans | 0.0145% | 5,160 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 158.6000% | 293 |
Efficiency ratio | 65.2954% | 4,688 |
Assets per employee ($millions) | 6.1395% | 1,177 |
Cash dividends to net income (ytd only)* | 61.4124% | 1,696 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4391% | 3,471 |
Loan loss allowance to noncurrent loans | 51,100.0000% | 10 |
Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,454 |
Noncurrent loans to loans | 0.0028% | 6,306 |
Net loans and leases to total assets | 43.8494% | 5,685 |
Net loans and leases to deposits | 48.4804% | 5,865 |
Net loans and leases to core deposits | 50.1533% | 5,928 |
Total domestic deposits to total assets | 90.4478% | 848 |
Equity capital to assets | 7.9798% | 6,035 |
Core capital (leverage) ratio | 8.1767% | 5,996 |
Tier 1 risk-based capital ratio | 16.8687% | 2,671 |
Total risk-based capital ratio | 18.1207% | 2,633 |
Memoranda: | ||
Average total assets | $76,944,800 | 5,306 |
Average earning assets | $71,751,200 | 5,263 |
Average equity | $6,197,000 | 5,764 |
Average total loans | $34,405,000 | 5,566 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1304% | 6,283 |
Cost of funding earning assets | 0.2177% | 6,307 |
Net interest margin | 2.9127% | 5,785 |
Noninterest income to average assets | 0.2186% | 5,868 |
Noninterest expense to average assets | 1.8366% | 6,291 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.0967% | 2,018 |
Return on assets (ROA) | 1.0967% | 2,091 |
Pretax return on assets | 1.0967% | 3,128 |
Return on Equity (ROE) | 13.5843% | 1,103 |
Retained earnings to average equity (ytd only) | 4.8097% | 3,227 |
Net charge-offs to loans | -0.0039% | 5,749 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.6118% | 5,049 |
Assets per employee ($millions) | 5.7187% | 1,434 |
Cash dividends to net income (ytd only)* | 64.5937% | 1,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3531% | 4,115 |
Loan loss allowance to noncurrent loans | 123.3890% | 2,952 |
Noncurrent assets plus other real estate owned to assets | 0.5636% | 4,761 |
Noncurrent loans to loans | 1.0966% | 3,600 |
Net loans and leases to total assets | 50.7001% | 5,048 |
Net loans and leases to deposits | 56.4032% | 5,337 |
Net loans and leases to core deposits | 58.2809% | 5,428 |
Total domestic deposits to total assets | 89.8888% | 1,063 |
Equity capital to assets | 8.4554% | 5,782 |
Core capital (leverage) ratio | 8.4853% | 5,783 |
Tier 1 risk-based capital ratio | 15.6125% | 3,398 |
Total risk-based capital ratio | 16.8630% | 3,363 |
Memoranda: | ||
Average total assets | $76,227,500 | 5,376 |
Average earning assets | $71,044,000 | 5,335 |
Average equity | $6,154,000 | 5,848 |
Average total loans | $34,129,000 | 5,633 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9502% | 6,489 |
Cost of funding earning assets | 0.2201% | 6,367 |
Net interest margin | 2.7301% | 6,131 |
Noninterest income to average assets | 0.2160% | 5,893 |
Noninterest expense to average assets | 1.8216% | 6,340 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.9446% | 2,593 |
Return on assets (ROA) | 0.9446% | 2,737 |
Pretax return on assets | 0.9446% | 3,732 |
Return on Equity (ROE) | 11.8822% | 1,529 |
Retained earnings to average equity (ytd only) | 2.4550% | 4,739 |
Net charge-offs to loans | -0.0061% | 5,670 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8514% | 4,577 |
Assets per employee ($millions) | 5.6838% | 1,434 |
Cash dividends to net income (ytd only)* | 79.3388% | 920 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4568% | 3,782 |
Loan loss allowance to noncurrent loans | 630.4878% | 695 |
Noncurrent assets plus other real estate owned to assets | 0.1110% | 6,157 |
Noncurrent loans to loans | 0.2311% | 5,729 |
Net loans and leases to total assets | 47.3305% | 5,392 |
Net loans and leases to deposits | 52.5776% | 5,638 |
Net loans and leases to core deposits | 54.0317% | 5,752 |
Total domestic deposits to total assets | 90.0202% | 1,012 |
Equity capital to assets | 8.3192% | 5,952 |
Core capital (leverage) ratio | 7.9515% | 6,217 |
Tier 1 risk-based capital ratio | 16.4524% | 2,957 |
Total risk-based capital ratio | 17.7029% | 2,914 |
Memoranda: | ||
Average total assets | $76,855,670 | 5,394 |
Average earning assets | $71,792,000 | 5,339 |
Average equity | $6,110,000 | 5,898 |
Average total loans | $32,769,000 | 5,724 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8241% | 6,663 |
Cost of funding earning assets | 0.2244% | 6,451 |
Net interest margin | 2.5997% | 6,372 |
Noninterest income to average assets | 0.2093% | 5,984 |
Noninterest expense to average assets | 1.8075% | 6,427 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.8272% | 3,012 |
Return on assets (ROA) | 0.8272% | 3,155 |
Pretax return on assets | 0.8272% | 4,052 |
Return on Equity (ROE) | 10.6378% | 1,821 |
Retained earnings to average equity (ytd only) | 1.1820% | 5,376 |
Net charge-offs to loans | -0.0127% | 5,530 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6047% | 4,204 |
Assets per employee ($millions) | 6.0825% | 1,199 |
Cash dividends to net income (ytd only)* | 88.8889% | 765 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7533% | 2,792 |
Loan loss allowance to noncurrent loans | 615.4762% | 717 |
Noncurrent assets plus other real estate owned to assets | 0.1062% | 6,265 |
Noncurrent loans to loans | 0.2849% | 5,695 |
Net loans and leases to total assets | 36.6370% | 6,251 |
Net loans and leases to deposits | 40.3577% | 6,403 |
Net loans and leases to core deposits | 41.3899% | 6,422 |
Total domestic deposits to total assets | 90.7807% | 624 |
Equity capital to assets | 7.7119% | 6,518 |
Core capital (leverage) ratio | 7.6018% | 6,422 |
Tier 1 risk-based capital ratio | 18.8974% | 2,070 |
Total risk-based capital ratio | 20.1508% | 2,043 |
Memoranda: | ||
Average total assets | $78,339,000 | 5,408 |
Average earning assets | $73,085,500 | 5,350 |
Average equity | $6,091,500 | 5,958 |
Average total loans | $31,409,000 | 5,828 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1875% | 6,669 |
Cost of funding earning assets | 0.2985% | 6,460 |
Net interest margin | 2.8890% | 6,244 |
Noninterest income to average assets | 0.2471% | 5,692 |
Noninterest expense to average assets | 1.9658% | 6,389 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.9696% | 2,465 |
Return on assets (ROA) | 0.9696% | 2,698 |
Pretax return on assets | 0.9696% | 3,654 |
Return on Equity (ROE) | 12.2814% | 1,421 |
Retained earnings to average equity (ytd only) | 6.7328% | 1,701 |
Net charge-offs to loans | -0.0441% | 6,684 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.9700% | 4,337 |
Assets per employee ($millions) | 5.9696% | 1,297 |
Cash dividends to net income (ytd only)* | 45.1791% | 2,578 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5481% | 3,530 |
Loan loss allowance to noncurrent loans | 1,290.0000% | 380 |
Noncurrent assets plus other real estate owned to assets | 0.0515% | 6,507 |
Noncurrent loans to loans | 0.1200% | 6,177 |
Net loans and leases to total assets | 42.2846% | 5,975 |
Net loans and leases to deposits | 46.6394% | 6,205 |
Net loans and leases to core deposits | 48.1201% | 6,262 |
Total domestic deposits to total assets | 90.6630% | 630 |
Equity capital to assets | 7.8410% | 6,483 |
Core capital (leverage) ratio | 7.9374% | 6,252 |
Tier 1 risk-based capital ratio | 16.9289% | 2,687 |
Total risk-based capital ratio | 18.1803% | 2,648 |
Memoranda: | ||
Average total assets | $74,879,800 | 5,488 |
Average earning assets | $69,677,400 | 5,444 |
Average equity | $5,911,400 | 6,041 |
Average total loans | $31,757,800 | 5,866 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1286% | 6,838 |
Cost of funding earning assets | 0.3140% | 6,541 |
Net interest margin | 2.8146% | 6,477 |
Noninterest income to average assets | 0.2516% | 5,765 |
Noninterest expense to average assets | 1.8778% | 6,560 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.9991% | 2,506 |
Return on assets (ROA) | 0.9991% | 2,730 |
Pretax return on assets | 0.9991% | 3,715 |
Return on Equity (ROE) | 12.6331% | 1,430 |
Retained earnings to average equity (ytd only) | 7.0436% | 2,098 |
Net charge-offs to loans | -0.0553% | 6,735 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2717% | 4,577 |
Assets per employee ($millions) | 5.6200% | 1,524 |
Cash dividends to net income (ytd only)* | 44.2446% | 1,968 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4578% | 4,122 |
Loan loss allowance to noncurrent loans | 872.8814% | 491 |
Noncurrent assets plus other real estate owned to assets | 0.0808% | 6,540 |
Noncurrent loans to loans | 0.1670% | 6,194 |
Net loans and leases to total assets | 47.6485% | 5,593 |
Net loans and leases to deposits | 52.8135% | 5,905 |
Net loans and leases to core deposits | 54.6028% | 5,999 |
Total domestic deposits to total assets | 90.2204% | 715 |
Equity capital to assets | 8.2261% | 6,471 |
Core capital (leverage) ratio | 8.1165% | 6,216 |
Tier 1 risk-based capital ratio | 15.9864% | 3,270 |
Total risk-based capital ratio | 17.2385% | 3,235 |
Memoranda: | ||
Average total assets | $74,198,500 | 5,565 |
Average earning assets | $69,209,000 | 5,521 |
Average equity | $5,868,000 | 6,128 |
Average total loans | $31,364,500 | 5,960 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9955% | 6,973 |
Cost of funding earning assets | 0.3306% | 6,597 |
Net interest margin | 2.6649% | 6,752 |
Noninterest income to average assets | 0.2628% | 5,700 |
Noninterest expense to average assets | 1.8692% | 6,657 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.8796% | 2,999 |
Return on assets (ROA) | 0.8796% | 3,255 |
Pretax return on assets | 0.8796% | 4,155 |
Return on Equity (ROE) | 11.2702% | 1,894 |
Retained earnings to average equity (ytd only) | 6.2192% | 2,554 |
Net charge-offs to loans | -0.0932% | 6,844 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0000% | 4,124 |
Assets per employee ($millions) | 5.6444% | 1,486 |
Cash dividends to net income (ytd only)* | 44.8171% | 1,962 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6162% | 3,549 |
Loan loss allowance to noncurrent loans | 2,715.7895% | 190 |
Noncurrent assets plus other real estate owned to assets | 0.0259% | 6,764 |
Noncurrent loans to loans | 0.0595% | 6,528 |
Net loans and leases to total assets | 42.8077% | 6,120 |
Net loans and leases to deposits | 47.3421% | 6,351 |
Net loans and leases to core deposits | 48.9154% | 6,406 |
Total domestic deposits to total assets | 90.4221% | 705 |
Equity capital to assets | 8.0298% | 6,550 |
Core capital (leverage) ratio | 7.5616% | 6,593 |
Tier 1 risk-based capital ratio | 17.2424% | 2,570 |
Total risk-based capital ratio | 18.4956% | 2,529 |
Memoranda: | ||
Average total assets | $74,578,000 | 5,591 |
Average earning assets | $69,571,670 | 5,536 |
Average equity | $5,820,670 | 6,166 |
Average total loans | $30,043,670 | 6,061 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9493% | 7,059 |
Cost of funding earning assets | 0.3544% | 6,621 |
Net interest margin | 2.5950% | 6,877 |
Noninterest income to average assets | 0.2767% | 5,652 |
Noninterest expense to average assets | 1.9314% | 6,584 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.7609% | 3,571 |
Return on assets (ROA) | 0.7609% | 3,805 |
Pretax return on assets | 0.7609% | 4,570 |
Return on Equity (ROE) | 9.8876% | 2,438 |
Retained earnings to average equity (ytd only) | 9.8876% | 1,293 |
Net charge-offs to loans | -0.0412% | 6,461 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.7391% | 3,489 |
Assets per employee ($millions) | 5.9991% | 1,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7699% | 3,093 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 35.9376% | 6,623 |
Net loans and leases to deposits | 39.4630% | 6,759 |
Net loans and leases to core deposits | 41.1351% | 6,780 |
Total domestic deposits to total assets | 91.0666% | 524 |
Equity capital to assets | 7.5114% | 6,774 |
Core capital (leverage) ratio | 7.3070% | 6,723 |
Tier 1 risk-based capital ratio | 18.5420% | 2,132 |
Total risk-based capital ratio | 19.7959% | 2,099 |
Memoranda: | ||
Average total assets | $75,178,500 | 5,612 |
Average earning assets | $69,982,000 | 5,564 |
Average equity | $5,785,000 | 6,204 |
Average total loans | $29,102,000 | 6,159 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6427% | 6,902 |
Cost of funding earning assets | 0.4863% | 6,586 |
Net interest margin | 3.1564% | 6,200 |
Noninterest income to average assets | 0.2578% | 5,690 |
Noninterest expense to average assets | 2.1090% | 6,477 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.0701% | 1,924 |
Return on assets (ROA) | 1.0701% | 2,064 |
Pretax return on assets | 1.0701% | 2,953 |
Return on Equity (ROE) | 12.8835% | 1,191 |
Retained earnings to average equity (ytd only) | 6.9442% | 1,529 |
Net charge-offs to loans | -0.0131% | 6,911 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3385% | 4,696 |
Assets per employee ($millions) | 5.5668% | 1,562 |
Cash dividends to net income (ytd only)* | 46.1003% | 2,274 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6918% | 3,236 |
Loan loss allowance to noncurrent loans | 25,100.0000% | 23 |
Noncurrent assets plus other real estate owned to assets | 0.0028% | 7,006 |
Noncurrent loans to loans | 0.0067% | 6,845 |
Net loans and leases to total assets | 40.3073% | 6,527 |
Net loans and leases to deposits | 44.4807% | 6,699 |
Net loans and leases to core deposits | 45.7203% | 6,747 |
Total domestic deposits to total assets | 90.6175% | 657 |
Equity capital to assets | 7.8929% | 6,637 |
Core capital (leverage) ratio | 7.9763% | 6,291 |
Tier 1 risk-based capital ratio | 17.8146% | 2,261 |
Total risk-based capital ratio | 19.0674% | 2,233 |
Memoranda: | ||
Average total assets | $67,094,600 | 5,834 |
Average earning assets | $62,096,200 | 5,800 |
Average equity | $5,573,000 | 6,268 |
Average total loans | $30,455,800 | 6,138 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6784% | 6,951 |
Cost of funding earning assets | 0.5158% | 6,644 |
Net interest margin | 3.1626% | 6,253 |
Noninterest income to average assets | 0.2696% | 5,686 |
Noninterest expense to average assets | 2.0493% | 6,594 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.1534% | 1,800 |
Return on assets (ROA) | 1.1534% | 1,920 |
Pretax return on assets | 1.1534% | 2,816 |
Return on Equity (ROE) | 13.6984% | 1,109 |
Retained earnings to average equity (ytd only) | 7.7279% | 1,613 |
Net charge-offs to loans | -0.0174% | 6,878 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9873% | 5,071 |
Assets per employee ($millions) | 5.1384% | 2,009 |
Cash dividends to net income (ytd only)* | 43.5853% | 1,869 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5131% | 4,034 |
Loan loss allowance to noncurrent loans | 50,200.0000% | 6 |
Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,092 |
Noncurrent loans to loans | 0.0030% | 6,965 |
Net loans and leases to total assets | 48.9169% | 5,847 |
Net loans and leases to deposits | 54.3956% | 6,178 |
Net loans and leases to core deposits | 56.0538% | 6,313 |
Total domestic deposits to total assets | 89.9280% | 903 |
Equity capital to assets | 8.5046% | 6,288 |
Core capital (leverage) ratio | 8.2705% | 6,022 |
Tier 1 risk-based capital ratio | 15.9167% | 3,158 |
Total risk-based capital ratio | 17.1689% | 3,115 |
Memoranda: | ||
Average total assets | $65,776,000 | 5,920 |
Average earning assets | $61,003,250 | 5,870 |
Average equity | $5,538,250 | 6,324 |
Average total loans | $30,651,750 | 6,189 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5538% | 7,131 |
Cost of funding earning assets | 0.5429% | 6,691 |
Net interest margin | 3.0109% | 6,587 |
Noninterest income to average assets | 0.2598% | 5,790 |
Noninterest expense to average assets | 2.0723% | 6,647 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.9842% | 2,286 |
Return on assets (ROA) | 0.9842% | 2,390 |
Pretax return on assets | 0.9842% | 3,292 |
Return on Equity (ROE) | 11.7290% | 1,573 |
Retained earnings to average equity (ytd only) | 6.3380% | 2,219 |
Net charge-offs to loans | -0.0268% | 6,894 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.8000% | 4,550 |
Assets per employee ($millions) | 4.7401% | 2,489 |
Cash dividends to net income (ytd only)* | 45.9627% | 1,834 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5804% | 3,779 |
Loan loss allowance to noncurrent loans | 3,861.5385% | 129 |
Noncurrent assets plus other real estate owned to assets | 0.0196% | 7,066 |
Noncurrent loans to loans | 0.0409% | 6,880 |
Net loans and leases to total assets | 47.1090% | 6,143 |
Net loans and leases to deposits | 52.3371% | 6,441 |
Net loans and leases to core deposits | 53.9177% | 6,564 |
Total domestic deposits to total assets | 90.0107% | 974 |
Equity capital to assets | 8.4025% | 6,303 |
Core capital (leverage) ratio | 8.1257% | 6,126 |
Tier 1 risk-based capital ratio | 16.0354% | 2,961 |
Total risk-based capital ratio | 17.2880% | 2,921 |
Memoranda: | ||
Average total assets | $65,435,000 | 5,974 |
Average earning assets | $60,779,330 | 5,925 |
Average equity | $5,490,670 | 6,370 |
Average total loans | $29,809,670 | 6,288 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4849% | 7,216 |
Cost of funding earning assets | 0.5764% | 6,703 |
Net interest margin | 2.9085% | 6,744 |
Noninterest income to average assets | 0.3017% | 5,510 |
Noninterest expense to average assets | 2.1671% | 6,495 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.8373% | 2,844 |
Return on assets (ROA) | 0.8373% | 2,905 |
Pretax return on assets | 0.8373% | 3,752 |
Return on Equity (ROE) | 9.9853% | 2,096 |
Retained earnings to average equity (ytd only) | 9.9853% | 1,116 |
Net charge-offs to loans | -0.0555% | 6,914 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.1311% | 3,835 |
Assets per employee ($millions) | 4.7698% | 2,470 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7841% | 3,055 |
Loan loss allowance to noncurrent loans | 271.3514% | 1,119 |
Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,492 |
Noncurrent loans to loans | 0.6575% | 5,715 |
Net loans and leases to total assets | 41.3855% | 6,685 |
Net loans and leases to deposits | 45.8811% | 6,857 |
Net loans and leases to core deposits | 46.6556% | 6,944 |
Total domestic deposits to total assets | 90.2017% | 1,024 |
Equity capital to assets | 8.2558% | 6,213 |
Core capital (leverage) ratio | 7.9800% | 6,281 |
Tier 1 risk-based capital ratio | 17.6498% | 2,233 |
Total risk-based capital ratio | 18.9034% | 2,204 |
Memoranda: | ||
Average total assets | $64,972,000 | 6,029 |
Average earning assets | $60,374,500 | 5,982 |
Average equity | $5,448,000 | 6,401 |
Average total loans | $28,832,500 | 6,381 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3463% | 6,706 |
Cost of funding earning assets | 0.8016% | 6,567 |
Net interest margin | 3.5448% | 5,059 |
Noninterest income to average assets | 0.2610% | 5,928 |
Noninterest expense to average assets | 2.5274% | 5,693 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.9952% | 2,055 |
Return on assets (ROA) | 0.9952% | 2,160 |
Pretax return on assets | 0.9952% | 2,946 |
Return on Equity (ROE) | 10.6602% | 1,705 |
Retained earnings to average equity (ytd only) | 2.8499% | 3,850 |
Net charge-offs to loans | -0.0315% | 7,402 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.7495% | 3,845 |
Assets per employee ($millions) | 4.5119% | 2,846 |
Cash dividends to net income (ytd only)* | 73.2657% | 1,083 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6866% | 3,265 |
Loan loss allowance to noncurrent loans | 2,621.0526% | 172 |
Noncurrent assets plus other real estate owned to assets | 0.0301% | 7,169 |
Noncurrent loans to loans | 0.0643% | 6,960 |
Net loans and leases to total assets | 45.9560% | 6,561 |
Net loans and leases to deposits | 51.1191% | 6,799 |
Net loans and leases to core deposits | 52.0354% | 6,911 |
Total domestic deposits to total assets | 89.8998% | 1,158 |
Equity capital to assets | 8.5219% | 5,823 |
Core capital (leverage) ratio | 8.1213% | 5,968 |
Tier 1 risk-based capital ratio | 16.6500% | 2,479 |
Total risk-based capital ratio | 17.9035% | 2,448 |
Memoranda: | ||
Average total assets | $59,388,000 | 6,226 |
Average earning assets | $54,644,000 | 6,189 |
Average equity | $5,544,000 | 6,496 |
Average total loans | $28,588,200 | 6,467 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4124% | 6,799 |
Cost of funding earning assets | 0.8418% | 6,615 |
Net interest margin | 3.5706% | 5,014 |
Noninterest income to average assets | 0.2190% | 6,343 |
Noninterest expense to average assets | 2.3886% | 6,067 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.1110% | 1,851 |
Return on assets (ROA) | 1.1110% | 1,963 |
Pretax return on assets | 1.1110% | 2,792 |
Return on Equity (ROE) | 11.6277% | 1,609 |
Retained earnings to average equity (ytd only) | 6.2555% | 2,227 |
Net charge-offs to loans | -0.0470% | 7,462 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2529% | 4,416 |
Assets per employee ($millions) | 4.3499% | 3,169 |
Cash dividends to net income (ytd only)* | 46.2006% | 1,797 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5485% | 3,738 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 52.0945% | 6,090 |
Net loans and leases to deposits | 58.4104% | 6,433 |
Net loans and leases to core deposits | 60.4286% | 6,577 |
Total domestic deposits to total assets | 89.1870% | 1,292 |
Equity capital to assets | 9.1956% | 5,319 |
Core capital (leverage) ratio | 9.1073% | 4,521 |
Tier 1 risk-based capital ratio | 15.3532% | 3,073 |
Total risk-based capital ratio | 16.6069% | 3,031 |
Memoranda: | ||
Average total assets | $58,443,250 | 6,327 |
Average earning assets | $53,696,250 | 6,290 |
Average equity | $5,584,250 | 6,574 |
Average total loans | $28,353,500 | 6,567 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3196% | 7,018 |
Cost of funding earning assets | 0.8881% | 6,628 |
Net interest margin | 3.4315% | 5,514 |
Noninterest income to average assets | 0.3297% | 5,520 |
Noninterest expense to average assets | 2.3775% | 6,125 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.1037% | 1,843 |
Return on assets (ROA) | 1.1037% | 1,912 |
Pretax return on assets | 1.1037% | 2,777 |
Return on Equity (ROE) | 11.3999% | 1,625 |
Retained earnings to average equity (ytd only) | 6.0943% | 2,286 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2951% | 4,523 |
Assets per employee ($millions) | 4.1066% | 3,569 |
Cash dividends to net income (ytd only)* | 46.5409% | 1,823 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6433% | 3,279 |
Loan loss allowance to noncurrent loans | 3,260.0000% | 124 |
Noncurrent assets plus other real estate owned to assets | 0.1252% | 7,080 |
Noncurrent loans to loans | 0.0504% | 7,191 |
Net loans and leases to total assets | 50.9071% | 6,319 |
Net loans and leases to deposits | 57.4085% | 6,624 |
Net loans and leases to core deposits | 58.3400% | 6,810 |
Total domestic deposits to total assets | 88.6751% | 1,620 |
Equity capital to assets | 9.6499% | 4,469 |
Core capital (leverage) ratio | 8.8433% | 4,846 |
Tier 1 risk-based capital ratio | 16.1048% | 2,626 |
Total risk-based capital ratio | 17.3573% | 2,589 |
Memoranda: | ||
Average total assets | $57,624,670 | 6,406 |
Average earning assets | $52,921,670 | 6,369 |
Average equity | $5,579,000 | 6,596 |
Average total loans | $27,063,330 | 6,687 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3224% | 7,100 |
Cost of funding earning assets | 0.9052% | 6,750 |
Net interest margin | 3.4172% | 5,513 |
Noninterest income to average assets | 0.3328% | 5,484 |
Noninterest expense to average assets | 2.4614% | 5,868 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.0123% | 2,138 |
Return on assets (ROA) | 1.0123% | 2,205 |
Pretax return on assets | 1.0123% | 3,046 |
Return on Equity (ROE) | 10.4388% | 1,968 |
Retained earnings to average equity (ytd only) | 10.4388% | 1,058 |
Net charge-offs to loans | -0.0156% | 7,011 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.8583% | 4,145 |
Assets per employee ($millions) | 4.4758% | 2,998 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8897% | 2,479 |
Loan loss allowance to noncurrent loans | 120.3931% | 2,309 |
Noncurrent assets plus other real estate owned to assets | 0.7992% | 5,559 |
Noncurrent loans to loans | 1.5696% | 4,391 |
Net loans and leases to total assets | 43.7226% | 7,013 |
Net loans and leases to deposits | 49.3262% | 7,163 |
Net loans and leases to core deposits | 50.1172% | 7,277 |
Total domestic deposits to total assets | 88.6397% | 1,712 |
Equity capital to assets | 9.7310% | 4,188 |
Core capital (leverage) ratio | 8.8852% | 4,750 |
Tier 1 risk-based capital ratio | 17.7345% | 2,010 |
Total risk-based capital ratio | 18.9904% | 1,981 |
Memoranda: | ||
Average total assets | $57,690,500 | 6,479 |
Average earning assets | $53,026,500 | 6,437 |
Average equity | $5,594,500 | 6,646 |
Average total loans | $25,716,500 | 6,838 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9743% | 6,513 |
Cost of funding earning assets | 1.2608% | 6,436 |
Net interest margin | 3.7134% | 4,079 |
Noninterest income to average assets | 0.3570% | 5,543 |
Noninterest expense to average assets | 2.6818% | 5,473 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.0123% | 1,794 |
Return on assets (ROA) | 1.0141% | 1,842 |
Pretax return on assets | 1.0141% | 2,544 |
Return on Equity (ROE) | 10.9322% | 1,449 |
Retained earnings to average equity (ytd only) | 2.8632% | 3,172 |
Net charge-offs to loans | -0.1575% | 7,903 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.5957% | 4,165 |
Assets per employee ($millions) | 4.3997% | 3,111 |
Cash dividends to net income (ytd only)* | 73.8095% | 1,405 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9174% | 2,221 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1067% | 7,224 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 43.7338% | 7,132 |
Net loans and leases to deposits | 49.2916% | 7,297 |
Net loans and leases to core deposits | 53.9944% | 7,467 |
Total domestic deposits to total assets | 88.7247% | 1,617 |
Equity capital to assets | 9.6633% | 4,197 |
Core capital (leverage) ratio | 8.6054% | 5,092 |
Tier 1 risk-based capital ratio | 17.3500% | 2,066 |
Total risk-based capital ratio | 18.6055% | 2,025 |
Memoranda: | ||
Average total assets | $57,984,400 | 6,433 |
Average earning assets | $52,108,000 | 6,456 |
Average equity | $5,378,600 | 6,812 |
Average total loans | $26,028,800 | 6,851 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0624% | 6,411 |
Cost of funding earning assets | 1.3341% | 6,453 |
Net interest margin | 3.7283% | 3,956 |
Noninterest income to average assets | 0.3575% | 5,635 |
Noninterest expense to average assets | 2.5827% | 5,772 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.1114% | 1,704 |
Return on assets (ROA) | 1.1137% | 1,755 |
Pretax return on assets | 1.1137% | 2,522 |
Return on Equity (ROE) | 12.1310% | 1,325 |
Retained earnings to average equity (ytd only) | 6.6895% | 1,638 |
Net charge-offs to loans | -0.2090% | 7,975 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9132% | 4,608 |
Assets per employee ($millions) | 4.2462% | 3,290 |
Cash dividends to net income (ytd only)* | 44.8563% | 2,241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7003% | 2,634 |
Loan loss allowance to noncurrent loans | 3,056.2500% | 126 |
Noncurrent assets plus other real estate owned to assets | 0.1413% | 7,194 |
Noncurrent loans to loans | 0.0556% | 7,366 |
Net loans and leases to total assets | 51.2156% | 6,682 |
Net loans and leases to deposits | 57.9466% | 6,966 |
Net loans and leases to core deposits | 64.8670% | 7,208 |
Total domestic deposits to total assets | 88.3841% | 1,482 |
Equity capital to assets | 9.9185% | 4,192 |
Core capital (leverage) ratio | 8.9700% | 4,693 |
Tier 1 risk-based capital ratio | 16.3755% | 2,482 |
Total risk-based capital ratio | 17.6280% | 2,423 |
Memoranda: | ||
Average total assets | $58,181,500 | 6,460 |
Average earning assets | $52,068,500 | 6,495 |
Average equity | $5,341,500 | 6,892 |
Average total loans | $26,160,250 | 6,907 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9951% | 6,787 |
Cost of funding earning assets | 1.3903% | 6,514 |
Net interest margin | 3.6048% | 4,340 |
Noninterest income to average assets | 0.3684% | 5,559 |
Noninterest expense to average assets | 2.5517% | 5,937 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.0241% | 2,025 |
Return on assets (ROA) | 1.0275% | 2,094 |
Pretax return on assets | 1.0275% | 2,894 |
Return on Equity (ROE) | 11.4782% | 1,567 |
Retained earnings to average equity (ytd only) | 6.0412% | 1,998 |
Net charge-offs to loans | -0.2926% | 8,062 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3611% | 4,530 |
Assets per employee ($millions) | 4.5191% | 2,740 |
Cash dividends to net income (ytd only)* | 47.3684% | 2,145 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8071% | 2,024 |
Loan loss allowance to noncurrent loans | 90.6542% | 3,161 |
Noncurrent assets plus other real estate owned to assets | 1.0162% | 4,939 |
Noncurrent loans to loans | 1.9934% | 3,534 |
Net loans and leases to total assets | 44.8577% | 7,277 |
Net loans and leases to deposits | 50.1790% | 7,477 |
Net loans and leases to core deposits | 56.0833% | 7,585 |
Total domestic deposits to total assets | 89.3954% | 1,080 |
Equity capital to assets | 8.9688% | 5,357 |
Core capital (leverage) ratio | 8.4363% | 5,554 |
Tier 1 risk-based capital ratio | 16.6873% | 2,398 |
Total risk-based capital ratio | 17.9424% | 2,341 |
Memoranda: | ||
Average total assets | $59,175,330 | 6,474 |
Average earning assets | $52,652,000 | 6,524 |
Average equity | $5,297,000 | 6,965 |
Average total loans | $25,293,670 | 7,006 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0955% | 6,655 |
Cost of funding earning assets | 1.4691% | 6,508 |
Net interest margin | 3.6264% | 4,205 |
Noninterest income to average assets | 0.4311% | 4,955 |
Noninterest expense to average assets | 2.3641% | 6,325 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.2258% | 1,578 |
Return on assets (ROA) | 1.2326% | 1,664 |
Pretax return on assets | 1.2326% | 2,508 |
Return on Equity (ROE) | 13.7827% | 1,207 |
Retained earnings to average equity (ytd only) | 13.7827% | 531 |
Net charge-offs to loans | -0.3262% | 8,078 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8537% | 5,353 |
Assets per employee ($millions) | 4.2784% | 3,116 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9610% | 1,499 |
Loan loss allowance to noncurrent loans | 78.2609% | 3,751 |
Noncurrent assets plus other real estate owned to assets | 1.1370% | 4,403 |
Noncurrent loans to loans | 2.5058% | 2,628 |
Net loans and leases to total assets | 39.0621% | 7,613 |
Net loans and leases to deposits | 43.5901% | 7,741 |
Net loans and leases to core deposits | 49.6794% | 7,801 |
Total domestic deposits to total assets | 89.6122% | 965 |
Equity capital to assets | 8.9487% | 5,415 |
Core capital (leverage) ratio | 8.3266% | 5,857 |
Tier 1 risk-based capital ratio | 17.0297% | 2,330 |
Total risk-based capital ratio | 18.2825% | 2,264 |
Memoranda: | ||
Average total assets | $59,389,000 | 6,491 |
Average earning assets | $51,732,000 | 6,583 |
Average equity | $5,311,000 | 7,003 |
Average total loans | $24,521,500 | 7,096 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0629% | 5,238 |
Cost of funding earning assets | 1.8939% | 6,742 |
Net interest margin | 4.1690% | 2,438 |
Noninterest income to average assets | 0.3335% | 6,067 |
Noninterest expense to average assets | 2.6729% | 5,373 |
Loan and lease loss provision to assets | 0.1053% | 6,026 |
Net operating income to assets | 1.2022% | 1,761 |
Return on assets (ROA) | 1.2882% | 1,469 |
Pretax return on assets | 1.2882% | 2,349 |
Return on Equity (ROE) | 14.4962% | 1,013 |
Retained earnings to average equity (ytd only) | 4.2857% | 2,448 |
Net charge-offs to loans | 0.1183% | 5,081 |
Credit loss provision to net charge-offs | 200.0000% | 2,433 |
Earnings coverage of net charge-offs (x) | 24.8333% | 1,360 |
Efficiency ratio | 67.1517% | 4,883 |
Assets per employee ($millions) | 4.2058% | 3,108 |
Cash dividends to net income (ytd only)* | 70.4360% | 2,155 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7793% | 1,678 |
Loan loss allowance to noncurrent loans | 229.7436% | 1,712 |
Noncurrent assets plus other real estate owned to assets | 0.4721% | 5,809 |
Noncurrent loans to loans | 0.7745% | 5,089 |
Net loans and leases to total assets | 42.0000% | 7,588 |
Net loans and leases to deposits | 46.8602% | 7,756 |
Net loans and leases to core deposits | 53.2171% | 7,821 |
Total domestic deposits to total assets | 89.6282% | 794 |
Equity capital to assets | 8.9367% | 5,454 |
Core capital (leverage) ratio | 8.4031% | 5,757 |
Tier 1 risk-based capital ratio | 16.4476% | 2,506 |
Total risk-based capital ratio | 17.7011% | 2,437 |
Memoranda: | ||
Average total assets | $56,980,000 | 6,492 |
Average earning assets | $49,844,400 | 6,595 |
Average equity | $5,063,400 | 7,123 |
Average total loans | $25,354,400 | 7,004 |