Home > National Bank of St. Anne > Performance and Condition Ratios
National Bank of St. Anne, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0640% | 1,098 |
Cost of funding earning assets | 1.5021% | 3,186 |
Net interest margin | 4.5618% | 566 |
Noninterest income to average assets | 0.5000% | 1,747 |
Noninterest expense to average assets | 3.3380% | 723 |
Loan and lease loss provision to assets | 0.1600% | 793 |
Net operating income to assets | 0.8338% | 2,756 |
Return on assets (ROA) | 0.8338% | 2,758 |
Pretax return on assets | 1.1601% | 2,331 |
Return on Equity (ROE) | 8.5700% | 2,716 |
Retained earnings to average equity (ytd only) | 5.5198% | 2,420 |
Net charge-offs to loans | 0.1875% | 556 |
Credit loss provision to net charge-offs | 106.1224% | 1,226 |
Earnings coverage of net charge-offs (x) | 9.0816% | 1,741 |
Efficiency ratio | 71.6561% | 1,652 |
Assets per employee ($millions) | 4.6210% | 3,869 |
Cash dividends to net income (ytd only)* | 35.5872% | 1,605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0169% | 3,128 |
Loan loss allowance to noncurrent loans | 109.2308% | 2,829 |
Noncurrent assets plus other real estate owned to assets | 0.7276% | 1,042 |
Noncurrent loans to loans | 0.9310% | 1,151 |
Net loans and leases to total assets | 77.3500% | 906 |
Net loans and leases to deposits | 86.9092% | 1,415 |
Net loans and leases to core deposits | 90.6445% | 2,007 |
Total domestic deposits to total assets | 89.0000% | 1,183 |
Equity capital to assets | 9.8776% | 2,302 |
Core capital (leverage) ratio | 8.7018% | 3,964 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.5137% | 2,614 |
Memoranda: | ||
Average total assets | $134,810,500 | 3,503 |
Average earning assets | $122,758,000 | 3,521 |
Average equity | $13,116,500 | 3,519 |
Average total loans | $104,507,500 | 3,174 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9450% | 1,366 |
Cost of funding earning assets | 1.7341% | 2,885 |
Net interest margin | 4.2109% | 926 |
Noninterest income to average assets | 0.8100% | 904 |
Noninterest expense to average assets | 3.6054% | 513 |
Loan and lease loss provision to assets | 0.0600% | 2,000 |
Net operating income to assets | 0.7203% | 2,918 |
Return on assets (ROA) | 0.7203% | 2,939 |
Pretax return on assets | 0.9777% | 2,586 |
Return on Equity (ROE) | 7.5000% | 2,898 |
Retained earnings to average equity (ytd only) | 1.6583% | 3,493 |
Net charge-offs to loans | 0.0463% | 1,699 |
Credit loss provision to net charge-offs | 187.2340% | 1,198 |
Earnings coverage of net charge-offs (x) | 29.4043% | 1,546 |
Efficiency ratio | 77.7169% | 1,232 |
Assets per employee ($millions) | 4.8433% | 3,749 |
Cash dividends to net income (ytd only)* | 77.8816% | 614 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0183% | 3,122 |
Loan loss allowance to noncurrent loans | 36.6333% | 3,624 |
Noncurrent assets plus other real estate owned to assets | 2.1377% | 173 |
Noncurrent loans to loans | 2.7798% | 227 |
Net loans and leases to total assets | 76.1200% | 1,128 |
Net loans and leases to deposits | 85.6506% | 1,626 |
Net loans and leases to core deposits | 88.7264% | 2,209 |
Total domestic deposits to total assets | 88.8700% | 1,205 |
Equity capital to assets | 9.5833% | 2,394 |
Core capital (leverage) ratio | 8.6481% | 3,988 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.2596% | 2,697 |
Memoranda: | ||
Average total assets | $133,687,800 | 3,503 |
Average earning assets | $121,564,600 | 3,513 |
Average equity | $12,844,800 | 3,534 |
Average total loans | $101,418,200 | 3,201 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8068% | 1,454 |
Cost of funding earning assets | 1.6371% | 2,999 |
Net interest margin | 4.1697% | 930 |
Noninterest income to average assets | 0.5400% | 1,684 |
Noninterest expense to average assets | 3.2056% | 820 |
Loan and lease loss provision to assets | 0.0600% | 1,720 |
Net operating income to assets | 0.7705% | 2,721 |
Return on assets (ROA) | 0.7705% | 2,739 |
Pretax return on assets | 1.0610% | 2,308 |
Return on Equity (ROE) | 8.0800% | 2,712 |
Retained earnings to average equity (ytd only) | 4.1365% | 2,670 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 74.0870% | 1,637 |
Assets per employee ($millions) | 4.7559% | 3,772 |
Cash dividends to net income (ytd only)* | 48.8281% | 1,499 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0357% | 3,086 |
Loan loss allowance to noncurrent loans | 118.6801% | 2,925 |
Noncurrent assets plus other real estate owned to assets | 0.6713% | 1,005 |
Noncurrent loans to loans | 0.8727% | 1,080 |
Net loans and leases to total assets | 76.1300% | 1,161 |
Net loans and leases to deposits | 92.6641% | 1,065 |
Net loans and leases to core deposits | 94.6875% | 1,820 |
Total domestic deposits to total assets | 82.1600% | 3,051 |
Equity capital to assets | 9.6676% | 2,289 |
Core capital (leverage) ratio | 8.9013% | 3,808 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.5602% | 2,679 |
Memoranda: | ||
Average total assets | $132,893,667 | 3,521 |
Average earning assets | $120,823,667 | 3,531 |
Average equity | $12,667,667 | 3,537 |
Average total loans | $99,671,333 | 3,218 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6493% | 1,542 |
Cost of funding earning assets | 1.5994% | 2,984 |
Net interest margin | 4.0499% | 1,023 |
Noninterest income to average assets | 0.5500% | 1,555 |
Noninterest expense to average assets | 3.2541% | 767 |
Loan and lease loss provision to assets | 0.0500% | 1,722 |
Net operating income to assets | 0.6568% | 2,989 |
Return on assets (ROA) | 0.6568% | 3,017 |
Pretax return on assets | 0.9280% | 2,594 |
Return on Equity (ROE) | 6.9400% | 2,976 |
Retained earnings to average equity (ytd only) | -1.0187% | 3,850 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 76.9231% | 1,457 |
Assets per employee ($millions) | 4.6402% | 3,868 |
Cash dividends to net income (ytd only)* | 114.6789% | 432 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0660% | 2,974 |
Loan loss allowance to noncurrent loans | 130.2764% | 2,888 |
Noncurrent assets plus other real estate owned to assets | 0.6127% | 1,049 |
Noncurrent loans to loans | 0.8182% | 1,076 |
Net loans and leases to total assets | 74.0800% | 1,322 |
Net loans and leases to deposits | 87.3898% | 1,416 |
Net loans and leases to core deposits | 90.0487% | 2,043 |
Total domestic deposits to total assets | 84.7700% | 2,484 |
Equity capital to assets | 9.6502% | 2,227 |
Core capital (leverage) ratio | 8.6289% | 3,998 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.7740% | 2,650 |
Memoranda: | ||
Average total assets | $132,757,500 | 3,536 |
Average earning assets | $120,794,500 | 3,547 |
Average equity | $12,564,500 | 3,550 |
Average total loans | $98,286,000 | 3,239 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1695% | 1,722 |
Cost of funding earning assets | 0.9754% | 3,359 |
Net interest margin | 4.1941% | 943 |
Noninterest income to average assets | 0.5100% | 1,936 |
Noninterest expense to average assets | 3.1768% | 849 |
Loan and lease loss provision to assets | 0.0500% | 2,105 |
Net operating income to assets | 0.7828% | 2,925 |
Return on assets (ROA) | 0.7828% | 2,906 |
Pretax return on assets | 1.1170% | 2,361 |
Return on Equity (ROE) | 8.1800% | 2,976 |
Retained earnings to average equity (ytd only) | 4.1392% | 2,908 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 73.1434% | 1,541 |
Assets per employee ($millions) | 4.6755% | 3,842 |
Cash dividends to net income (ytd only)* | 49.4071% | 1,651 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0283% | 3,172 |
Loan loss allowance to noncurrent loans | 168.7603% | 2,710 |
Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,244 |
Noncurrent loans to loans | 0.6093% | 1,294 |
Net loans and leases to total assets | 72.4800% | 1,528 |
Net loans and leases to deposits | 92.5024% | 1,051 |
Net loans and leases to core deposits | 96.3280% | 1,639 |
Total domestic deposits to total assets | 78.3500% | 3,687 |
Equity capital to assets | 9.2861% | 2,492 |
Core capital (leverage) ratio | 8.6214% | 4,022 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.7255% | 2,651 |
Memoranda: | ||
Average total assets | $129,279,600 | 3,556 |
Average earning assets | $118,308,600 | 3,562 |
Average equity | $12,369,600 | 3,492 |
Average total loans | $91,825,000 | 3,265 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0276% | 1,778 |
Cost of funding earning assets | 0.7942% | 3,532 |
Net interest margin | 4.2334% | 881 |
Noninterest income to average assets | 0.5200% | 1,861 |
Noninterest expense to average assets | 3.1562% | 864 |
Loan and lease loss provision to assets | 0.0500% | 1,947 |
Net operating income to assets | 0.8561% | 2,841 |
Return on assets (ROA) | 0.8561% | 2,823 |
Pretax return on assets | 1.1892% | 2,326 |
Return on Equity (ROE) | 8.8800% | 2,960 |
Retained earnings to average equity (ytd only) | 6.7129% | 2,391 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 71.7711% | 1,595 |
Assets per employee ($millions) | 4.3996% | 4,004 |
Cash dividends to net income (ytd only)* | 24.3902% | 2,284 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0794% | 2,969 |
Loan loss allowance to noncurrent loans | 279.8343% | 2,086 |
Noncurrent assets plus other real estate owned to assets | 0.2837% | 1,868 |
Noncurrent loans to loans | 0.3857% | 1,861 |
Net loans and leases to total assets | 72.7600% | 1,493 |
Net loans and leases to deposits | 94.2307% | 877 |
Net loans and leases to core deposits | 97.6348% | 1,466 |
Total domestic deposits to total assets | 77.2200% | 3,903 |
Equity capital to assets | 9.8270% | 1,924 |
Core capital (leverage) ratio | 9.0944% | 3,685 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3802% | 2,485 |
Memoranda: | ||
Average total assets | $127,702,000 | 3,589 |
Average earning assets | $116,845,750 | 3,589 |
Average equity | $12,314,250 | 3,499 |
Average total loans | $89,958,750 | 3,291 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8836% | 1,802 |
Cost of funding earning assets | 0.7113% | 3,452 |
Net interest margin | 4.1723% | 968 |
Noninterest income to average assets | 0.5200% | 1,794 |
Noninterest expense to average assets | 3.0750% | 930 |
Loan and lease loss provision to assets | 0.0600% | 1,720 |
Net operating income to assets | 0.8924% | 2,783 |
Return on assets (ROA) | 0.8924% | 2,768 |
Pretax return on assets | 1.2228% | 2,306 |
Return on Equity (ROE) | 9.3100% | 2,887 |
Retained earnings to average equity (ytd only) | 7.6799% | 2,073 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 70.6221% | 1,707 |
Assets per employee ($millions) | 4.3240% | 4,045 |
Cash dividends to net income (ytd only)* | 17.5439% | 2,524 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1169% | 2,869 |
Loan loss allowance to noncurrent loans | 446.6667% | 1,677 |
Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,300 |
Noncurrent loans to loans | 0.2501% | 2,265 |
Net loans and leases to total assets | 70.9600% | 1,638 |
Net loans and leases to deposits | 89.3882% | 1,231 |
Net loans and leases to core deposits | 90.2239% | 1,785 |
Total domestic deposits to total assets | 79.3800% | 3,671 |
Equity capital to assets | 9.9055% | 1,914 |
Core capital (leverage) ratio | 8.9242% | 3,838 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9193% | 2,323 |
Memoranda: | ||
Average total assets | $127,740,333 | 3,596 |
Average earning assets | $117,249,667 | 3,600 |
Average equity | $12,239,667 | 3,518 |
Average total loans | $88,661,333 | 3,311 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6995% | 1,852 |
Cost of funding earning assets | 0.5996% | 3,387 |
Net interest margin | 4.0998% | 1,097 |
Noninterest income to average assets | 0.4700% | 1,975 |
Noninterest expense to average assets | 3.0005% | 1,059 |
Loan and lease loss provision to assets | 0.0700% | 1,437 |
Net operating income to assets | 0.8502% | 3,020 |
Return on assets (ROA) | 0.8502% | 2,970 |
Pretax return on assets | 1.1760% | 2,491 |
Return on Equity (ROE) | 9.0200% | 3,045 |
Retained earnings to average equity (ytd only) | 9.0213% | 1,946 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 70.5839% | 1,693 |
Assets per employee ($millions) | 4.8446% | 3,768 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1454% | 2,834 |
Loan loss allowance to noncurrent loans | 325.0814% | 2,115 |
Noncurrent assets plus other real estate owned to assets | 0.2347% | 1,942 |
Noncurrent loans to loans | 0.3523% | 1,881 |
Net loans and leases to total assets | 65.8500% | 2,072 |
Net loans and leases to deposits | 80.8709% | 1,759 |
Net loans and leases to core deposits | 81.2685% | 2,163 |
Total domestic deposits to total assets | 81.4300% | 3,566 |
Equity capital to assets | 9.4531% | 2,181 |
Core capital (leverage) ratio | 8.5262% | 4,131 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0495% | 2,371 |
Memoranda: | ||
Average total assets | $128,913,000 | 3,629 |
Average earning assets | $118,736,500 | 3,624 |
Average equity | $12,149,000 | 3,558 |
Average total loans | $88,001,000 | 3,354 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0837% | 1,509 |
Cost of funding earning assets | 0.2930% | 2,936 |
Net interest margin | 3.7907% | 1,177 |
Noninterest income to average assets | 0.5000% | 2,092 |
Noninterest expense to average assets | 2.8684% | 1,179 |
Loan and lease loss provision to assets | 0.0200% | 2,518 |
Net operating income to assets | 0.7976% | 3,338 |
Return on assets (ROA) | 0.7976% | 3,262 |
Pretax return on assets | 1.0871% | 2,813 |
Return on Equity (ROE) | 8.4400% | 3,265 |
Retained earnings to average equity (ytd only) | 2.3864% | 3,892 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 71.6809% | 1,476 |
Assets per employee ($millions) | 4.7046% | 3,891 |
Cash dividends to net income (ytd only)* | 71.7112% | 615 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1095% | 2,854 |
Loan loss allowance to noncurrent loans | 253.4704% | 2,394 |
Noncurrent assets plus other real estate owned to assets | 0.3062% | 1,629 |
Noncurrent loans to loans | 0.4377% | 1,610 |
Net loans and leases to total assets | 69.1900% | 1,712 |
Net loans and leases to deposits | 87.1217% | 1,238 |
Net loans and leases to core deposits | 87.4424% | 1,655 |
Total domestic deposits to total assets | 79.4100% | 3,953 |
Equity capital to assets | 9.3944% | 2,080 |
Core capital (leverage) ratio | 8.4914% | 4,131 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5773% | 2,538 |
Memoranda: | ||
Average total assets | $126,762,600 | 3,667 |
Average earning assets | $116,364,000 | 3,666 |
Average equity | $11,984,800 | 3,670 |
Average total loans | $84,098,800 | 3,355 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9247% | 1,424 |
Cost of funding earning assets | 0.2489% | 2,722 |
Net interest margin | 3.6758% | 1,205 |
Noninterest income to average assets | 0.5000% | 2,161 |
Noninterest expense to average assets | 2.8224% | 1,203 |
Loan and lease loss provision to assets | 0.0100% | 2,534 |
Net operating income to assets | 0.7430% | 3,442 |
Return on assets (ROA) | 0.7430% | 3,391 |
Pretax return on assets | 1.0429% | 2,892 |
Return on Equity (ROE) | 7.8500% | 3,371 |
Retained earnings to average equity (ytd only) | 2.0114% | 4,028 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 72.1694% | 1,491 |
Assets per employee ($millions) | 5.1425% | 3,553 |
Cash dividends to net income (ytd only)* | 74.3626% | 517 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1323% | 2,872 |
Loan loss allowance to noncurrent loans | 137.7305% | 3,102 |
Noncurrent assets plus other real estate owned to assets | 0.5484% | 977 |
Noncurrent loans to loans | 0.8221% | 966 |
Net loans and leases to total assets | 65.9500% | 1,896 |
Net loans and leases to deposits | 82.8759% | 1,372 |
Net loans and leases to core deposits | 83.8073% | 1,665 |
Total domestic deposits to total assets | 79.5800% | 4,136 |
Equity capital to assets | 9.1940% | 2,092 |
Core capital (leverage) ratio | 8.3261% | 4,208 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8975% | 2,517 |
Memoranda: | ||
Average total assets | $126,697,500 | 3,695 |
Average earning assets | $116,252,250 | 3,696 |
Average equity | $11,997,750 | 3,709 |
Average total loans | $82,906,000 | 3,380 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7616% | 1,393 |
Cost of funding earning assets | 0.2441% | 2,341 |
Net interest margin | 3.5175% | 1,269 |
Noninterest income to average assets | 0.5013% | 2,198 |
Noninterest expense to average assets | 2.8047% | 1,168 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.6425% | 3,498 |
Return on assets (ROA) | 0.6425% | 3,447 |
Pretax return on assets | 0.9201% | 2,994 |
Return on Equity (ROE) | 6.7181% | 3,384 |
Retained earnings to average equity (ytd only) | 1.3270% | 3,920 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.2760% | 1,479 |
Assets per employee ($millions) | 5.0476% | 3,635 |
Cash dividends to net income (ytd only)* | 80.2469% | 596 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1419% | 2,970 |
Loan loss allowance to noncurrent loans | 111.4983% | 3,303 |
Noncurrent assets plus other real estate owned to assets | 0.6823% | 801 |
Noncurrent loans to loans | 1.0242% | 817 |
Net loans and leases to total assets | 65.8594% | 1,712 |
Net loans and leases to deposits | 75.2967% | 1,739 |
Net loans and leases to core deposits | 76.2550% | 1,989 |
Total domestic deposits to total assets | 87.4665% | 2,778 |
Equity capital to assets | 9.3851% | 2,105 |
Core capital (leverage) ratio | 8.3367% | 4,083 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7893% | 2,573 |
Memoranda: | ||
Average total assets | $126,076,000 | 3,740 |
Average earning assets | $115,537,000 | 3,755 |
Average equity | $12,057,000 | 3,780 |
Average total loans | $81,955,333 | 3,427 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6423% | 1,398 |
Cost of funding earning assets | 0.2389% | 2,278 |
Net interest margin | 3.4034% | 1,290 |
Noninterest income to average assets | 0.5713% | 1,816 |
Noninterest expense to average assets | 2.7805% | 1,198 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.6634% | 3,179 |
Return on assets (ROA) | 0.6634% | 3,162 |
Pretax return on assets | 0.9110% | 2,730 |
Return on Equity (ROE) | 6.8727% | 3,077 |
Retained earnings to average equity (ytd only) | 1.9402% | 3,561 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.3224% | 1,599 |
Assets per employee ($millions) | 5.2293% | 3,561 |
Cash dividends to net income (ytd only)* | 71.7703% | 836 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2030% | 2,843 |
Loan loss allowance to noncurrent loans | 136.8946% | 3,072 |
Noncurrent assets plus other real estate owned to assets | 0.5790% | 1,020 |
Noncurrent loans to loans | 0.8788% | 1,060 |
Net loans and leases to total assets | 60.3678% | 2,026 |
Net loans and leases to deposits | 66.9932% | 2,244 |
Net loans and leases to core deposits | 67.6449% | 2,483 |
Total domestic deposits to total assets | 90.1103% | 1,495 |
Equity capital to assets | 9.2533% | 2,482 |
Core capital (leverage) ratio | 8.3180% | 4,055 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3817% | 2,450 |
Memoranda: | ||
Average total assets | $126,019,000 | 3,758 |
Average earning assets | $115,530,500 | 3,775 |
Average equity | $12,164,000 | 3,846 |
Average total loans | $80,899,000 | 3,444 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2439% | 927 |
Cost of funding earning assets | 0.2940% | 2,457 |
Net interest margin | 3.9499% | 788 |
Noninterest income to average assets | 1.2357% | 697 |
Noninterest expense to average assets | 3.0269% | 943 |
Loan and lease loss provision to assets | 0.1105% | 1,138 |
Net operating income to assets | 1.2142% | 1,882 |
Return on assets (ROA) | 1.2142% | 1,928 |
Pretax return on assets | 1.6599% | 1,245 |
Return on Equity (ROE) | 11.8301% | 1,870 |
Retained earnings to average equity (ytd only) | 9.2032% | 1,138 |
Net charge-offs to loans | 0.0454% | 1,377 |
Credit loss provision to net charge-offs | 341.6667% | 1,005 |
Earnings coverage of net charge-offs (x) | 54.7222% | 1,240 |
Efficiency ratio | 63.0948% | 2,698 |
Assets per employee ($millions) | 4.8522% | 3,849 |
Cash dividends to net income (ytd only)* | 22.2058% | 2,931 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1731% | 3,007 |
Loan loss allowance to noncurrent loans | 436.8182% | 1,590 |
Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,421 |
Noncurrent loans to loans | 0.2686% | 2,643 |
Net loans and leases to total assets | 66.7370% | 1,404 |
Net loans and leases to deposits | 74.7288% | 1,675 |
Net loans and leases to core deposits | 75.4490% | 1,963 |
Total domestic deposits to total assets | 89.3056% | 1,351 |
Equity capital to assets | 10.0828% | 2,580 |
Core capital (leverage) ratio | 8.9585% | 3,441 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1171% | 2,589 |
Memoranda: | ||
Average total assets | $111,270,400 | 3,881 |
Average earning assets | $100,332,600 | 3,905 |
Average equity | $11,420,000 | 3,988 |
Average total loans | $79,217,800 | 3,490 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3300% | 908 |
Cost of funding earning assets | 0.3084% | 2,518 |
Net interest margin | 4.0216% | 767 |
Noninterest income to average assets | 1.4061% | 608 |
Noninterest expense to average assets | 3.0647% | 870 |
Loan and lease loss provision to assets | 0.1186% | 1,001 |
Net operating income to assets | 1.2872% | 1,864 |
Return on assets (ROA) | 1.2872% | 1,918 |
Pretax return on assets | 1.8352% | 1,079 |
Return on Equity (ROE) | 12.4805% | 1,869 |
Retained earnings to average equity (ytd only) | 12.4805% | 727 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0650% | 2,826 |
Assets per employee ($millions) | 4.2652% | 4,291 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1821% | 3,070 |
Loan loss allowance to noncurrent loans | 238.5749% | 2,305 |
Noncurrent assets plus other real estate owned to assets | 0.3670% | 1,976 |
Noncurrent loans to loans | 0.4955% | 2,069 |
Net loans and leases to total assets | 73.1972% | 755 |
Net loans and leases to deposits | 82.6927% | 1,051 |
Net loans and leases to core deposits | 83.3568% | 1,467 |
Total domestic deposits to total assets | 88.5171% | 1,557 |
Equity capital to assets | 10.9572% | 2,054 |
Core capital (leverage) ratio | 9.3989% | 3,123 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2262% | 2,638 |
Memoranda: | ||
Average total assets | $108,761,500 | 3,954 |
Average earning assets | $97,704,000 | 3,978 |
Average equity | $11,217,250 | 4,065 |
Average total loans | $78,543,000 | 3,548 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3281% | 960 |
Cost of funding earning assets | 0.3270% | 2,526 |
Net interest margin | 4.0010% | 819 |
Noninterest income to average assets | 1.5641% | 506 |
Noninterest expense to average assets | 3.0912% | 855 |
Loan and lease loss provision to assets | 0.1333% | 927 |
Net operating income to assets | 1.3494% | 1,711 |
Return on assets (ROA) | 1.3494% | 1,793 |
Pretax return on assets | 1.9176% | 982 |
Return on Equity (ROE) | 13.3688% | 1,603 |
Retained earnings to average equity (ytd only) | 13.3688% | 657 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.1152% | 3,009 |
Assets per employee ($millions) | 4.3122% | 4,251 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1809% | 3,047 |
Loan loss allowance to noncurrent loans | 173.5780% | 2,655 |
Noncurrent assets plus other real estate owned to assets | 0.5055% | 1,649 |
Noncurrent loans to loans | 0.6803% | 1,722 |
Net loans and leases to total assets | 73.4342% | 815 |
Net loans and leases to deposits | 82.9022% | 1,134 |
Net loans and leases to core deposits | 83.3509% | 1,614 |
Total domestic deposits to total assets | 88.5793% | 1,528 |
Equity capital to assets | 10.9606% | 2,008 |
Core capital (leverage) ratio | 9.0637% | 3,382 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2623% | 2,627 |
Memoranda: | ||
Average total assets | $108,050,333 | 3,978 |
Average earning assets | $96,625,000 | 4,009 |
Average equity | $10,906,000 | 4,109 |
Average total loans | $77,343,000 | 3,593 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2735% | 1,084 |
Cost of funding earning assets | 0.3624% | 2,426 |
Net interest margin | 3.9111% | 963 |
Noninterest income to average assets | 1.7453% | 470 |
Noninterest expense to average assets | 3.0691% | 878 |
Loan and lease loss provision to assets | 0.1331% | 1,023 |
Net operating income to assets | 1.4088% | 1,548 |
Return on assets (ROA) | 1.4088% | 1,620 |
Pretax return on assets | 2.0153% | 923 |
Return on Equity (ROE) | 14.5823% | 1,305 |
Retained earnings to average equity (ytd only) | 14.5823% | 675 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.8235% | 3,182 |
Assets per employee ($millions) | 4.4747% | 4,124 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1821% | 3,021 |
Loan loss allowance to noncurrent loans | 215.6398% | 2,243 |
Noncurrent assets plus other real estate owned to assets | 0.3772% | 2,292 |
Noncurrent loans to loans | 0.5482% | 2,218 |
Net loans and leases to total assets | 68.0022% | 1,532 |
Net loans and leases to deposits | 78.6266% | 1,654 |
Net loans and leases to core deposits | 79.6224% | 2,039 |
Total domestic deposits to total assets | 86.4875% | 2,530 |
Equity capital to assets | 9.5086% | 3,198 |
Core capital (leverage) ratio | 8.1264% | 4,453 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3706% | 2,852 |
Memoranda: | ||
Average total assets | $108,173,500 | 3,988 |
Average earning assets | $96,033,500 | 4,023 |
Average equity | $10,451,000 | 4,167 |
Average total loans | $75,959,000 | 3,629 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1638% | 356 |
Cost of funding earning assets | 0.8027% | 1,196 |
Net interest margin | 4.3611% | 445 |
Noninterest income to average assets | 1.6533% | 456 |
Noninterest expense to average assets | 3.1560% | 1,132 |
Loan and lease loss provision to assets | 0.4122% | 734 |
Net operating income to assets | 1.2716% | 1,329 |
Return on assets (ROA) | 1.2716% | 1,435 |
Pretax return on assets | 1.7405% | 782 |
Return on Equity (ROE) | 11.8054% | 1,379 |
Retained earnings to average equity (ytd only) | 6.7431% | 1,492 |
Net charge-offs to loans | 0.1195% | 1,294 |
Credit loss provision to net charge-offs | 478.4810% | 1,292 |
Earnings coverage of net charge-offs (x) | 24.9873% | 1,754 |
Efficiency ratio | 59.4495% | 3,528 |
Assets per employee ($millions) | 4.5426% | 3,878 |
Cash dividends to net income (ytd only)* | 42.8816% | 2,203 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1663% | 3,127 |
Loan loss allowance to noncurrent loans | 439.1960% | 1,275 |
Noncurrent assets plus other real estate owned to assets | 0.1905% | 3,329 |
Noncurrent loans to loans | 0.2656% | 3,246 |
Net loans and leases to total assets | 70.8863% | 1,443 |
Net loans and leases to deposits | 82.3048% | 1,631 |
Net loans and leases to core deposits | 83.4266% | 2,084 |
Total domestic deposits to total assets | 86.1265% | 2,315 |
Equity capital to assets | 9.8248% | 3,288 |
Core capital (leverage) ratio | 8.4085% | 4,298 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.9290% | 2,945 |
Memoranda: | ||
Average total assets | $91,697,600 | 4,100 |
Average earning assets | $76,861,400 | 4,205 |
Average equity | $9,876,800 | 4,209 |
Average total loans | $66,090,000 | 3,808 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2855% | 350 |
Cost of funding earning assets | 0.9352% | 947 |
Net interest margin | 4.3503% | 526 |
Noninterest income to average assets | 1.6572% | 434 |
Noninterest expense to average assets | 3.2285% | 1,023 |
Loan and lease loss provision to assets | 0.3943% | 908 |
Net operating income to assets | 1.1660% | 1,761 |
Return on assets (ROA) | 1.1660% | 1,879 |
Pretax return on assets | 1.6572% | 1,053 |
Return on Equity (ROE) | 10.5522% | 1,829 |
Retained earnings to average equity (ytd only) | 6.4622% | 1,898 |
Net charge-offs to loans | -0.0021% | 3,888 |
Credit loss provision to net charge-offs | -26,200.0000% | 4,431 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1412% | 3,198 |
Assets per employee ($millions) | 4.1612% | 4,180 |
Cash dividends to net income (ytd only)* | 38.7597% | 1,988 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1587% | 2,892 |
Loan loss allowance to noncurrent loans | 118.6969% | 3,044 |
Noncurrent assets plus other real estate owned to assets | 0.7899% | 1,461 |
Noncurrent loans to loans | 0.9762% | 1,531 |
Net loans and leases to total assets | 74.6918% | 1,287 |
Net loans and leases to deposits | 88.0847% | 1,476 |
Net loans and leases to core deposits | 89.4123% | 2,024 |
Total domestic deposits to total assets | 84.7954% | 2,517 |
Equity capital to assets | 10.5393% | 2,758 |
Core capital (leverage) ratio | 8.7089% | 4,058 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6407% | 2,749 |
Memoranda: | ||
Average total assets | $88,502,000 | 4,141 |
Average earning assets | $73,708,750 | 4,248 |
Average equity | $9,779,750 | 4,230 |
Average total loans | $63,878,500 | 3,865 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2645% | 507 |
Cost of funding earning assets | 1.0785% | 765 |
Net interest margin | 4.1859% | 957 |
Noninterest income to average assets | 1.5006% | 467 |
Noninterest expense to average assets | 3.2218% | 1,118 |
Loan and lease loss provision to assets | 0.4228% | 933 |
Net operating income to assets | 0.9501% | 2,490 |
Return on assets (ROA) | 0.9501% | 2,623 |
Pretax return on assets | 1.3449% | 1,885 |
Return on Equity (ROE) | 8.4527% | 2,579 |
Retained earnings to average equity (ytd only) | 6.3861% | 1,903 |
Net charge-offs to loans | -0.0033% | 3,900 |
Credit loss provision to net charge-offs | -18,200.0000% | 4,279 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.5717% | 2,734 |
Assets per employee ($millions) | 3.9611% | 4,349 |
Cash dividends to net income (ytd only)* | 24.4499% | 2,569 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0960% | 3,086 |
Loan loss allowance to noncurrent loans | 134.8754% | 2,762 |
Noncurrent assets plus other real estate owned to assets | 0.6882% | 1,779 |
Noncurrent loans to loans | 0.8126% | 1,870 |
Net loans and leases to total assets | 75.0774% | 1,267 |
Net loans and leases to deposits | 89.1775% | 1,429 |
Net loans and leases to core deposits | 96.9828% | 1,498 |
Total domestic deposits to total assets | 84.1887% | 2,681 |
Equity capital to assets | 10.8895% | 2,429 |
Core capital (leverage) ratio | 9.0941% | 3,808 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9054% | 2,647 |
Memoranda: | ||
Average total assets | $86,100,000 | 4,176 |
Average earning assets | $71,764,333 | 4,278 |
Average equity | $9,677,333 | 4,257 |
Average total loans | $61,063,333 | 3,920 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4335% | 430 |
Cost of funding earning assets | 1.1573% | 886 |
Net interest margin | 4.2762% | 797 |
Noninterest income to average assets | 0.7417% | 1,491 |
Noninterest expense to average assets | 3.0480% | 1,770 |
Loan and lease loss provision to assets | 0.3924% | 780 |
Net operating income to assets | 0.5359% | 3,785 |
Return on assets (ROA) | 0.5359% | 3,847 |
Pretax return on assets | 0.8374% | 3,315 |
Return on Equity (ROE) | 4.6884% | 3,750 |
Retained earnings to average equity (ytd only) | 0.5023% | 3,881 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.2528% | 2,184 |
Assets per employee ($millions) | 3.5726% | 4,416 |
Cash dividends to net income (ytd only)* | 89.2857% | 868 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1097% | 3,153 |
Loan loss allowance to noncurrent loans | 209.9042% | 1,991 |
Noncurrent assets plus other real estate owned to assets | 0.3809% | 2,918 |
Noncurrent loans to loans | 0.5287% | 2,676 |
Net loans and leases to total assets | 71.2544% | 2,045 |
Net loans and leases to deposits | 81.4810% | 2,526 |
Net loans and leases to core deposits | 82.8649% | 2,948 |
Total domestic deposits to total assets | 87.4490% | 1,359 |
Equity capital to assets | 11.6394% | 2,332 |
Core capital (leverage) ratio | 9.4652% | 4,023 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3363% | 2,556 |
Memoranda: | ||
Average total assets | $83,597,000 | 4,216 |
Average earning assets | $69,127,000 | 4,328 |
Average equity | $9,555,500 | 4,286 |
Average total loans | $57,016,000 | 4,007 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2133% | 968 |
Cost of funding earning assets | 0.9820% | 1,804 |
Net interest margin | 4.2312% | 1,254 |
Noninterest income to average assets | 0.6316% | 2,086 |
Noninterest expense to average assets | 3.1100% | 1,732 |
Loan and lease loss provision to assets | 0.1482% | 1,444 |
Net operating income to assets | 0.8276% | 3,461 |
Return on assets (ROA) | 0.8276% | 3,558 |
Pretax return on assets | 1.1330% | 3,066 |
Return on Equity (ROE) | 6.7508% | 3,644 |
Retained earnings to average equity (ytd only) | 5.5301% | 2,145 |
Net charge-offs to loans | -0.0020% | 4,227 |
Credit loss provision to net charge-offs | -9,900.0000% | 4,704 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.8248% | 2,044 |
Assets per employee ($millions) | 4.0488% | 3,847 |
Cash dividends to net income (ytd only)* | 18.0832% | 3,527 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0488% | 3,221 |
Loan loss allowance to noncurrent loans | 255.5556% | 1,743 |
Noncurrent assets plus other real estate owned to assets | 0.2646% | 3,374 |
Noncurrent loans to loans | 0.4104% | 2,968 |
Net loans and leases to total assets | 63.8059% | 3,225 |
Net loans and leases to deposits | 72.6184% | 3,466 |
Net loans and leases to core deposits | 73.8039% | 3,735 |
Total domestic deposits to total assets | 87.8647% | 1,190 |
Equity capital to assets | 11.2285% | 2,783 |
Core capital (leverage) ratio | 9.9179% | 3,602 |
Tier 1 risk-based capital ratio | 13.4960% | 3,527 |
Total risk-based capital ratio | 14.5076% | 3,534 |
Memoranda: | ||
Average total assets | $66,816,200 | 4,484 |
Average earning assets | $59,367,800 | 4,526 |
Average equity | $8,191,600 | 4,486 |
Average total loans | $49,649,200 | 4,192 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2448% | 953 |
Cost of funding earning assets | 0.9116% | 2,175 |
Net interest margin | 4.3331% | 1,091 |
Noninterest income to average assets | 0.5396% | 2,512 |
Noninterest expense to average assets | 3.0986% | 1,715 |
Loan and lease loss provision to assets | 0.1349% | 1,422 |
Net operating income to assets | 0.8737% | 3,436 |
Return on assets (ROA) | 0.8737% | 3,517 |
Pretax return on assets | 1.2249% | 2,898 |
Return on Equity (ROE) | 6.9274% | 3,707 |
Retained earnings to average equity (ytd only) | 5.2295% | 2,774 |
Net charge-offs to loans | -0.0028% | 4,093 |
Credit loss provision to net charge-offs | -6,300.0000% | 4,654 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5005% | 2,189 |
Assets per employee ($millions) | 3.7379% | 4,235 |
Cash dividends to net income (ytd only)* | 24.5096% | 2,841 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0251% | 3,428 |
Loan loss allowance to noncurrent loans | 998.1481% | 597 |
Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,354 |
Noncurrent loans to loans | 0.1027% | 4,182 |
Net loans and leases to total assets | 69.6113% | 2,531 |
Net loans and leases to deposits | 79.8882% | 2,909 |
Net loans and leases to core deposits | 79.8882% | 3,396 |
Total domestic deposits to total assets | 87.1358% | 1,455 |
Equity capital to assets | 11.9064% | 2,321 |
Core capital (leverage) ratio | 10.3424% | 3,270 |
Tier 1 risk-based capital ratio | 12.9988% | 3,846 |
Total risk-based capital ratio | 13.9960% | 3,880 |
Memoranda: | ||
Average total assets | $62,264,000 | 4,620 |
Average earning assets | $56,308,750 | 4,647 |
Average equity | $7,852,750 | 4,577 |
Average total loans | $48,355,000 | 4,266 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2529% | 891 |
Cost of funding earning assets | 0.7288% | 3,001 |
Net interest margin | 4.5241% | 729 |
Noninterest income to average assets | 0.4716% | 2,830 |
Noninterest expense to average assets | 2.9639% | 2,096 |
Loan and lease loss provision to assets | 0.1446% | 1,282 |
Net operating income to assets | 1.0568% | 2,692 |
Return on assets (ROA) | 1.0568% | 2,757 |
Pretax return on assets | 1.4871% | 1,901 |
Return on Equity (ROE) | 8.1830% | 3,213 |
Retained earnings to average equity (ytd only) | 8.1830% | 1,321 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4944% | 3,053 |
Assets per employee ($millions) | 4.1139% | 3,708 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0600% | 3,283 |
Loan loss allowance to noncurrent loans | 957.4074% | 620 |
Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,295 |
Noncurrent loans to loans | 0.1107% | 4,176 |
Net loans and leases to total assets | 83.7851% | 373 |
Net loans and leases to deposits | 100.1536% | 667 |
Net loans and leases to core deposits | 100.1536% | 1,710 |
Total domestic deposits to total assets | 83.6566% | 2,991 |
Equity capital to assets | 13.3293% | 1,420 |
Core capital (leverage) ratio | 10.3761% | 3,214 |
Tier 1 risk-based capital ratio | 12.0116% | 4,408 |
Total risk-based capital ratio | 13.0815% | 4,399 |
Memoranda: | ||
Average total assets | $58,099,330 | 4,723 |
Average earning assets | $52,961,330 | 4,727 |
Average equity | $7,503,330 | 4,648 |
Average total loans | $46,947,000 | 4,317 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1279% | 1,047 |
Cost of funding earning assets | 0.6541% | 3,302 |
Net interest margin | 4.4738% | 779 |
Noninterest income to average assets | 0.3153% | 3,749 |
Noninterest expense to average assets | 2.9271% | 2,191 |
Loan and lease loss provision to assets | 0.1440% | 1,187 |
Net operating income to assets | 0.9460% | 3,065 |
Return on assets (ROA) | 0.9460% | 3,109 |
Pretax return on assets | 1.3230% | 2,369 |
Return on Equity (ROE) | 7.4429% | 3,484 |
Retained earnings to average equity (ytd only) | 7.4429% | 1,871 |
Net charge-offs to loans | -0.0087% | 4,178 |
Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6147% | 2,851 |
Assets per employee ($millions) | 4.1256% | 3,733 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0502% | 3,403 |
Loan loss allowance to noncurrent loans | 558.4270% | 955 |
Noncurrent assets plus other real estate owned to assets | 0.1541% | 4,035 |
Noncurrent loans to loans | 0.1881% | 3,911 |
Net loans and leases to total assets | 81.0728% | 701 |
Net loans and leases to deposits | 98.2604% | 766 |
Net loans and leases to core deposits | 98.2604% | 1,755 |
Total domestic deposits to total assets | 82.5081% | 3,579 |
Equity capital to assets | 12.9714% | 1,469 |
Core capital (leverage) ratio | 9.9608% | 3,645 |
Tier 1 risk-based capital ratio | 12.0579% | 4,426 |
Total risk-based capital ratio | 13.1213% | 4,439 |
Memoranda: | ||
Average total assets | $58,351,500 | 4,767 |
Average earning assets | $53,199,000 | 4,774 |
Average equity | $7,416,500 | 4,694 |
Average total loans | $46,034,000 | 4,388 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9821% | 1,085 |
Cost of funding earning assets | 0.4324% | 3,787 |
Net interest margin | 4.5496% | 694 |
Noninterest income to average assets | 0.4617% | 3,041 |
Noninterest expense to average assets | 2.8733% | 2,441 |
Loan and lease loss provision to assets | 0.1086% | 2,025 |
Net operating income to assets | 1.1804% | 2,267 |
Return on assets (ROA) | 1.1804% | 2,262 |
Pretax return on assets | 1.6132% | 1,424 |
Return on Equity (ROE) | 9.4501% | 2,770 |
Retained earnings to average equity (ytd only) | 3.6525% | 3,570 |
Net charge-offs to loans | -0.0529% | 4,991 |
Credit loss provision to net charge-offs | -272.7273% | 4,524 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5296% | 3,428 |
Assets per employee ($millions) | 4.2104% | 3,600 |
Cash dividends to net income (ytd only)* | 61.3497% | 1,443 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0616% | 3,313 |
Loan loss allowance to noncurrent loans | 1,130.9524% | 563 |
Noncurrent assets plus other real estate owned to assets | 0.0713% | 4,463 |
Noncurrent loans to loans | 0.0939% | 4,327 |
Net loans and leases to total assets | 75.1039% | 1,756 |
Net loans and leases to deposits | 90.3230% | 1,755 |
Net loans and leases to core deposits | 90.3230% | 2,548 |
Total domestic deposits to total assets | 83.1504% | 3,278 |
Equity capital to assets | 12.4540% | 1,602 |
Core capital (leverage) ratio | 9.7206% | 3,887 |
Tier 1 risk-based capital ratio | 12.4714% | 4,156 |
Total risk-based capital ratio | 13.5490% | 4,120 |
Memoranda: | ||
Average total assets | $55,233,400 | 4,850 |
Average earning assets | $50,179,800 | 4,851 |
Average equity | $6,899,400 | 4,764 |
Average total loans | $41,561,600 | 4,507 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9230% | 1,110 |
Cost of funding earning assets | 0.3700% | 4,046 |
Net interest margin | 4.5530% | 665 |
Noninterest income to average assets | 0.4567% | 3,127 |
Noninterest expense to average assets | 2.8726% | 2,385 |
Loan and lease loss provision to assets | 0.1105% | 1,829 |
Net operating income to assets | 1.1466% | 2,448 |
Return on assets (ROA) | 1.1466% | 2,461 |
Pretax return on assets | 1.6131% | 1,543 |
Return on Equity (ROE) | 9.1715% | 3,012 |
Retained earnings to average equity (ytd only) | 7.2075% | 2,020 |
Net charge-offs to loans | -0.0719% | 5,064 |
Credit loss provision to net charge-offs | -204.5455% | 4,334 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5000% | 3,430 |
Assets per employee ($millions) | 4.0794% | 3,768 |
Cash dividends to net income (ytd only)* | 21.4133% | 2,957 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0589% | 3,419 |
Loan loss allowance to noncurrent loans | 754.0984% | 755 |
Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,435 |
Noncurrent loans to loans | 0.1404% | 4,254 |
Net loans and leases to total assets | 75.2587% | 1,770 |
Net loans and leases to deposits | 91.3634% | 1,711 |
Net loans and leases to core deposits | 91.3634% | 2,538 |
Total domestic deposits to total assets | 82.3729% | 3,496 |
Equity capital to assets | 13.0308% | 1,320 |
Core capital (leverage) ratio | 10.5056% | 3,080 |
Tier 1 risk-based capital ratio | 13.2147% | 3,777 |
Total risk-based capital ratio | 14.2978% | 3,789 |
Memoranda: | ||
Average total assets | $54,305,500 | 4,921 |
Average earning assets | $49,372,250 | 4,918 |
Average equity | $6,789,000 | 4,828 |
Average total loans | $40,765,750 | 4,571 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8562% | 1,115 |
Cost of funding earning assets | 0.2973% | 4,434 |
Net interest margin | 4.5588% | 611 |
Noninterest income to average assets | 0.4834% | 2,956 |
Noninterest expense to average assets | 2.8031% | 2,648 |
Loan and lease loss provision to assets | 0.1124% | 1,761 |
Net operating income to assets | 1.2104% | 2,154 |
Return on assets (ROA) | 1.2104% | 2,150 |
Pretax return on assets | 1.7051% | 1,201 |
Return on Equity (ROE) | 9.8306% | 2,645 |
Retained earnings to average equity (ytd only) | 6.7871% | 2,173 |
Net charge-offs to loans | -0.0100% | 4,319 |
Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.6650% | 3,822 |
Assets per employee ($millions) | 3.8267% | 4,171 |
Cash dividends to net income (ytd only)* | 30.9598% | 2,546 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0155% | 3,739 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 77.3267% | 1,416 |
Net loans and leases to deposits | 92.4586% | 1,527 |
Net loans and leases to core deposits | 92.4586% | 2,360 |
Total domestic deposits to total assets | 83.6339% | 3,202 |
Equity capital to assets | 12.4258% | 1,579 |
Core capital (leverage) ratio | 9.5162% | 4,100 |
Tier 1 risk-based capital ratio | 11.9431% | 4,533 |
Total risk-based capital ratio | 12.9956% | 4,535 |
Memoranda: | ||
Average total assets | $53,370,330 | 4,994 |
Average earning assets | $48,433,330 | 4,994 |
Average equity | $6,571,330 | 4,911 |
Average total loans | $39,874,000 | 4,644 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7678% | 1,148 |
Cost of funding earning assets | 0.2824% | 4,489 |
Net interest margin | 4.4854% | 639 |
Noninterest income to average assets | 0.3755% | 3,627 |
Noninterest expense to average assets | 2.7183% | 2,981 |
Loan and lease loss provision to assets | 0.1126% | 1,675 |
Net operating income to assets | 1.1414% | 2,252 |
Return on assets (ROA) | 1.1414% | 2,265 |
Pretax return on assets | 1.5994% | 1,397 |
Return on Equity (ROE) | 9.3130% | 2,760 |
Retained earnings to average equity (ytd only) | 9.3130% | 1,358 |
Net charge-offs to loans | 0.0617% | 1,486 |
Credit loss provision to net charge-offs | 250.0000% | 905 |
Earnings coverage of net charge-offs (x) | 38.0000% | 1,094 |
Efficiency ratio | 61.3559% | 3,894 |
Assets per employee ($millions) | 3.7704% | 4,325 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0200% | 3,841 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 73.9003% | 1,868 |
Net loans and leases to deposits | 89.6017% | 1,730 |
Net loans and leases to core deposits | 89.6017% | 2,482 |
Total domestic deposits to total assets | 82.4764% | 3,820 |
Equity capital to assets | 12.4882% | 1,493 |
Core capital (leverage) ratio | 9.4204% | 4,159 |
Tier 1 risk-based capital ratio | 12.4790% | 4,251 |
Total risk-based capital ratio | 13.5349% | 4,280 |
Memoranda: | ||
Average total assets | $53,268,500 | 5,052 |
Average earning assets | $48,156,500 | 5,058 |
Average equity | $6,528,500 | 4,971 |
Average total loans | $38,885,000 | 4,728 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6851% | 1,235 |
Cost of funding earning assets | 0.2688% | 4,410 |
Net interest margin | 4.4163% | 736 |
Noninterest income to average assets | 0.6674% | 2,102 |
Noninterest expense to average assets | 2.7650% | 2,904 |
Loan and lease loss provision to assets | 0.1070% | 2,095 |
Net operating income to assets | 1.1909% | 1,549 |
Return on assets (ROA) | 1.1909% | 1,573 |
Pretax return on assets | 1.7921% | 808 |
Return on Equity (ROE) | 9.5715% | 2,067 |
Retained earnings to average equity (ytd only) | 4.0976% | 2,710 |
Net charge-offs to loans | -0.3594% | 5,584 |
Credit loss provision to net charge-offs | -41.6667% | 4,639 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0296% | 4,652 |
Assets per employee ($millions) | 3.8394% | 4,226 |
Cash dividends to net income (ytd only)* | 57.1895% | 1,899 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0245% | 3,778 |
Loan loss allowance to noncurrent loans | 614.0625% | 930 |
Noncurrent assets plus other real estate owned to assets | 0.1191% | 4,538 |
Noncurrent loans to loans | 0.1668% | 4,258 |
Net loans and leases to total assets | 70.6331% | 2,427 |
Net loans and leases to deposits | 82.7074% | 2,640 |
Net loans and leases to core deposits | 87.2360% | 2,796 |
Total domestic deposits to total assets | 85.4012% | 2,693 |
Equity capital to assets | 12.0277% | 1,815 |
Core capital (leverage) ratio | 8.9326% | 4,729 |
Tier 1 risk-based capital ratio | 12.3973% | 4,267 |
Total risk-based capital ratio | 13.4564% | 4,286 |
Memoranda: | ||
Average total assets | $51,391,800 | 5,131 |
Average earning assets | $46,509,200 | 5,137 |
Average equity | $6,394,000 | 5,046 |
Average total loans | $36,727,000 | 4,829 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6537% | 1,240 |
Cost of funding earning assets | 0.2550% | 4,521 |
Net interest margin | 4.3987% | 733 |
Noninterest income to average assets | 0.7270% | 1,879 |
Noninterest expense to average assets | 2.7793% | 2,801 |
Loan and lease loss provision to assets | 0.0787% | 2,510 |
Net operating income to assets | 1.0655% | 2,252 |
Return on assets (ROA) | 1.0655% | 2,293 |
Pretax return on assets | 1.8529% | 779 |
Return on Equity (ROE) | 8.4896% | 2,886 |
Retained earnings to average equity (ytd only) | 6.3986% | 2,010 |
Net charge-offs to loans | -0.5764% | 5,668 |
Credit loss provision to net charge-offs | -19.1083% | 4,396 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.9889% | 4,739 |
Assets per employee ($millions) | 3.8059% | 4,304 |
Cash dividends to net income (ytd only)* | 24.6305% | 2,959 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0392% | 3,847 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 70.2363% | 2,520 |
Net loans and leases to deposits | 85.1668% | 2,413 |
Net loans and leases to core deposits | 92.2705% | 2,412 |
Total domestic deposits to total assets | 82.4691% | 3,635 |
Equity capital to assets | 12.2459% | 1,813 |
Core capital (leverage) ratio | 9.1274% | 4,603 |
Tier 1 risk-based capital ratio | 12.7010% | 4,202 |
Total risk-based capital ratio | 13.7758% | 4,208 |
Memoranda: | ||
Average total assets | $50,802,000 | 5,196 |
Average earning assets | $46,012,250 | 5,204 |
Average equity | $6,376,250 | 5,103 |
Average total loans | $36,319,000 | 4,889 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6267% | 1,204 |
Cost of funding earning assets | 0.2298% | 4,719 |
Net interest margin | 4.3969% | 709 |
Noninterest income to average assets | 0.4642% | 3,260 |
Noninterest expense to average assets | 2.8454% | 2,599 |
Loan and lease loss provision to assets | 0.0600% | 2,762 |
Net operating income to assets | 0.9125% | 2,852 |
Return on assets (ROA) | 0.9125% | 2,903 |
Pretax return on assets | 1.5408% | 1,522 |
Return on Equity (ROE) | 7.2076% | 3,446 |
Retained earnings to average equity (ytd only) | 7.2076% | 1,493 |
Net charge-offs to loans | -0.2233% | 5,594 |
Credit loss provision to net charge-offs | -37.5000% | 4,273 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.0459% | 4,466 |
Assets per employee ($millions) | 3.8432% | 4,210 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9896% | 4,215 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 75.2987% | 1,644 |
Net loans and leases to deposits | 91.8188% | 1,523 |
Net loans and leases to core deposits | 103.4341% | 1,396 |
Total domestic deposits to total assets | 82.0080% | 3,888 |
Equity capital to assets | 12.9061% | 1,417 |
Core capital (leverage) ratio | 9.7163% | 3,877 |
Tier 1 risk-based capital ratio | 12.4908% | 4,309 |
Total risk-based capital ratio | 13.5194% | 4,330 |
Memoranda: | ||
Average total assets | $49,975,000 | 5,249 |
Average earning assets | $45,259,000 | 5,257 |
Average equity | $6,326,670 | 5,138 |
Average total loans | $35,819,670 | 4,932 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5100% | 1,347 |
Cost of funding earning assets | 0.2304% | 4,715 |
Net interest margin | 4.2796% | 828 |
Noninterest income to average assets | 0.3681% | 3,904 |
Noninterest expense to average assets | 2.8330% | 2,676 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.9203% | 2,665 |
Return on assets (ROA) | 0.9203% | 2,719 |
Pretax return on assets | 1.4005% | 1,889 |
Return on Equity (ROE) | 7.3412% | 3,240 |
Retained earnings to average equity (ytd only) | 7.3412% | 1,723 |
Net charge-offs to loans | -0.4607% | 5,736 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.8147% | 4,178 |
Assets per employee ($millions) | 3.9193% | 4,149 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0512% | 3,972 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 66.6915% | 2,861 |
Net loans and leases to deposits | 81.1792% | 2,609 |
Net loans and leases to core deposits | 93.2825% | 2,034 |
Total domestic deposits to total assets | 82.1534% | 4,127 |
Equity capital to assets | 12.4178% | 1,586 |
Core capital (leverage) ratio | 8.9944% | 4,745 |
Tier 1 risk-based capital ratio | 13.0541% | 4,045 |
Total risk-based capital ratio | 14.1174% | 4,062 |
Memoranda: | ||
Average total assets | $49,982,000 | 5,307 |
Average earning assets | $45,144,500 | 5,314 |
Average equity | $6,266,000 | 5,196 |
Average total loans | $34,731,500 | 5,009 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5605% | 1,379 |
Cost of funding earning assets | 0.2017% | 4,997 |
Net interest margin | 4.3588% | 839 |
Noninterest income to average assets | 0.5253% | 3,057 |
Noninterest expense to average assets | 3.0030% | 2,345 |
Loan and lease loss provision to assets | 0.1841% | 1,286 |
Net operating income to assets | 0.8128% | 3,245 |
Return on assets (ROA) | 0.8128% | 3,355 |
Pretax return on assets | 1.2719% | 2,389 |
Return on Equity (ROE) | 6.2906% | 3,852 |
Retained earnings to average equity (ytd only) | 0.5282% | 5,120 |
Net charge-offs to loans | 0.1193% | 2,062 |
Credit loss provision to net charge-offs | 228.2051% | 1,258 |
Earnings coverage of net charge-offs (x) | 18.0513% | 1,991 |
Efficiency ratio | 62.3840% | 4,188 |
Assets per employee ($millions) | 3.7702% | 4,364 |
Cash dividends to net income (ytd only)* | 91.6031% | 544 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9140% | 4,731 |
Loan loss allowance to noncurrent loans | 2,140.0000% | 320 |
Noncurrent assets plus other real estate owned to assets | 0.0306% | 5,246 |
Noncurrent loans to loans | 0.0427% | 5,076 |
Net loans and leases to total assets | 71.0036% | 2,331 |
Net loans and leases to deposits | 87.8392% | 1,947 |
Net loans and leases to core deposits | 100.0287% | 1,619 |
Total domestic deposits to total assets | 80.8337% | 4,379 |
Equity capital to assets | 12.6599% | 1,420 |
Core capital (leverage) ratio | 8.7675% | 5,006 |
Tier 1 risk-based capital ratio | 12.5459% | 4,356 |
Total risk-based capital ratio | 13.4811% | 4,432 |
Memoranda: | ||
Average total assets | $48,352,000 | 5,378 |
Average earning assets | $43,635,600 | 5,384 |
Average equity | $6,247,400 | 5,240 |
Average total loans | $32,685,600 | 5,110 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4909% | 1,569 |
Cost of funding earning assets | 0.1872% | 5,203 |
Net interest margin | 4.3036% | 920 |
Noninterest income to average assets | 0.5672% | 2,832 |
Noninterest expense to average assets | 3.0298% | 2,231 |
Loan and lease loss provision to assets | 0.1245% | 1,873 |
Net operating income to assets | 0.6917% | 3,898 |
Return on assets (ROA) | 0.6917% | 4,030 |
Pretax return on assets | 1.2922% | 2,463 |
Return on Equity (ROE) | 5.3265% | 4,375 |
Retained earnings to average equity (ytd only) | 2.4501% | 4,452 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.1612% | 4,045 |
Assets per employee ($millions) | 3.8627% | 4,190 |
Cash dividends to net income (ytd only)* | 54.0005% | 1,694 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9315% | 4,744 |
Loan loss allowance to noncurrent loans | 810.2564% | 705 |
Noncurrent assets plus other real estate owned to assets | 0.0777% | 5,124 |
Noncurrent loans to loans | 0.1150% | 4,879 |
Net loans and leases to total assets | 66.9242% | 2,967 |
Net loans and leases to deposits | 84.9709% | 2,370 |
Net loans and leases to core deposits | 96.4304% | 1,952 |
Total domestic deposits to total assets | 78.7613% | 4,774 |
Equity capital to assets | 12.5958% | 1,713 |
Core capital (leverage) ratio | 9.2301% | 4,548 |
Tier 1 risk-based capital ratio | 13.0391% | 4,137 |
Total risk-based capital ratio | 13.9815% | 4,235 |
Memoranda: | ||
Average total assets | $48,186,750 | 5,436 |
Average earning assets | $43,435,250 | 5,442 |
Average equity | $6,258,000 | 5,291 |
Average total loans | $32,076,500 | 5,177 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4516% | 1,667 |
Cost of funding earning assets | 0.1777% | 5,346 |
Net interest margin | 4.2739% | 977 |
Noninterest income to average assets | 0.6188% | 2,513 |
Noninterest expense to average assets | 3.1277% | 1,990 |
Loan and lease loss provision to assets | 0.1263% | 1,802 |
Net operating income to assets | 0.6525% | 4,032 |
Return on assets (ROA) | 0.6525% | 4,180 |
Pretax return on assets | 1.2124% | 2,738 |
Return on Equity (ROE) | 4.9714% | 4,530 |
Retained earnings to average equity (ytd only) | 0.6415% | 5,117 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.0330% | 3,843 |
Assets per employee ($millions) | 3.6656% | 4,498 |
Cash dividends to net income (ytd only)* | 87.0968% | 745 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9377% | 4,812 |
Loan loss allowance to noncurrent loans | 401.3333% | 1,286 |
Noncurrent assets plus other real estate owned to assets | 0.1574% | 4,880 |
Noncurrent loans to loans | 0.2336% | 4,505 |
Net loans and leases to total assets | 66.7303% | 2,978 |
Net loans and leases to deposits | 86.7758% | 2,160 |
Net loans and leases to core deposits | 94.6568% | 2,097 |
Total domestic deposits to total assets | 76.8997% | 5,175 |
Equity capital to assets | 13.0779% | 1,457 |
Core capital (leverage) ratio | 9.2062% | 4,587 |
Tier 1 risk-based capital ratio | 13.1664% | 4,096 |
Total risk-based capital ratio | 14.0967% | 4,201 |
Memoranda: | ||
Average total assets | $47,510,670 | 5,510 |
Average earning assets | $42,771,000 | 5,523 |
Average equity | $6,235,670 | 5,344 |
Average total loans | $31,461,330 | 5,252 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3666% | 1,903 |
Cost of funding earning assets | 0.1780% | 5,387 |
Net interest margin | 4.1886% | 1,121 |
Noninterest income to average assets | 0.5649% | 2,717 |
Noninterest expense to average assets | 3.1029% | 2,093 |
Loan and lease loss provision to assets | 0.1265% | 1,677 |
Net operating income to assets | 0.7589% | 3,446 |
Return on assets (ROA) | 0.7589% | 3,552 |
Pretax return on assets | 1.1046% | 3,076 |
Return on Equity (ROE) | 5.7715% | 4,092 |
Retained earnings to average equity (ytd only) | 5.7715% | 2,489 |
Net charge-offs to loans | 0.0385% | 2,224 |
Credit loss provision to net charge-offs | 500.0000% | 597 |
Earnings coverage of net charge-offs (x) | 48.6667% | 899 |
Efficiency ratio | 66.3424% | 3,746 |
Assets per employee ($millions) | 3.6015% | 4,645 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9114% | 5,021 |
Loan loss allowance to noncurrent loans | 505.3571% | 1,010 |
Noncurrent assets plus other real estate owned to assets | 0.2905% | 4,400 |
Noncurrent loans to loans | 0.1804% | 4,760 |
Net loans and leases to total assets | 65.7148% | 2,991 |
Net loans and leases to deposits | 80.6474% | 2,708 |
Net loans and leases to core deposits | 89.9672% | 2,379 |
Total domestic deposits to total assets | 81.4840% | 4,361 |
Equity capital to assets | 13.4304% | 1,206 |
Core capital (leverage) ratio | 9.4720% | 4,244 |
Tier 1 risk-based capital ratio | 13.7135% | 3,856 |
Total risk-based capital ratio | 14.6131% | 3,987 |
Memoranda: | ||
Average total assets | $47,439,500 | 5,565 |
Average earning assets | $42,687,500 | 5,579 |
Average equity | $6,237,500 | 5,378 |
Average total loans | $31,142,000 | 5,304 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0194% | 3,242 |
Cost of funding earning assets | 0.2067% | 5,224 |
Net interest margin | 3.8127% | 2,329 |
Noninterest income to average assets | 0.4609% | 3,588 |
Noninterest expense to average assets | 2.8624% | 2,985 |
Loan and lease loss provision to assets | 0.1981% | 1,089 |
Net operating income to assets | 0.5572% | 4,471 |
Return on assets (ROA) | 0.5600% | 4,553 |
Pretax return on assets | 0.8349% | 4,091 |
Return on Equity (ROE) | 4.4677% | 4,754 |
Retained earnings to average equity (ytd only) | -0.3710% | 5,570 |
Net charge-offs to loans | 0.3307% | 900 |
Credit loss provision to net charge-offs | 101.0309% | 2,480 |
Earnings coverage of net charge-offs (x) | 5.2474% | 3,420 |
Efficiency ratio | 68.0000% | 3,577 |
Assets per employee ($millions) | 3.6969% | 4,482 |
Cash dividends to net income (ytd only)* | 108.3032% | 317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8676% | 5,204 |
Loan loss allowance to noncurrent loans | 294.5652% | 1,669 |
Noncurrent assets plus other real estate owned to assets | 0.3579% | 4,154 |
Noncurrent loans to loans | 0.2946% | 4,402 |
Net loans and leases to total assets | 64.4257% | 3,208 |
Net loans and leases to deposits | 77.1414% | 3,146 |
Net loans and leases to core deposits | 89.7895% | 2,421 |
Total domestic deposits to total assets | 83.5164% | 3,664 |
Equity capital to assets | 12.8735% | 1,417 |
Core capital (leverage) ratio | 9.4316% | 4,278 |
Tier 1 risk-based capital ratio | 13.2826% | 4,113 |
Total risk-based capital ratio | 14.1314% | 4,292 |
Memoranda: | ||
Average total assets | $49,468,600 | 5,557 |
Average earning assets | $44,508,600 | 5,569 |
Average equity | $6,200,000 | 5,400 |
Average total loans | $29,328,800 | 5,387 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9264% | 3,650 |
Cost of funding earning assets | 0.2112% | 5,278 |
Net interest margin | 3.7152% | 2,693 |
Noninterest income to average assets | 0.4897% | 3,444 |
Noninterest expense to average assets | 2.9063% | 2,830 |
Loan and lease loss provision to assets | 0.0803% | 2,565 |
Net operating income to assets | 0.5238% | 4,704 |
Return on assets (ROA) | 0.5272% | 4,782 |
Pretax return on assets | 0.8510% | 4,171 |
Return on Equity (ROE) | 4.2342% | 4,939 |
Retained earnings to average equity (ytd only) | 0.5803% | 5,444 |
Net charge-offs to loans | 0.1848% | 1,379 |
Credit loss provision to net charge-offs | 75.0000% | 2,680 |
Earnings coverage of net charge-offs (x) | 8.6503% | 2,782 |
Efficiency ratio | 70.2514% | 3,169 |
Assets per employee ($millions) | 4.8103% | 2,547 |
Cash dividends to net income (ytd only)* | 86.2941% | 603 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9034% | 5,195 |
Loan loss allowance to noncurrent loans | 192.5926% | 2,336 |
Noncurrent assets plus other real estate owned to assets | 0.4470% | 4,006 |
Noncurrent loans to loans | 0.4691% | 3,951 |
Net loans and leases to total assets | 59.2915% | 3,967 |
Net loans and leases to deposits | 72.1685% | 3,743 |
Net loans and leases to core deposits | 92.5676% | 2,209 |
Total domestic deposits to total assets | 82.1570% | 4,118 |
Equity capital to assets | 12.9722% | 1,459 |
Core capital (leverage) ratio | 8.8946% | 5,126 |
Tier 1 risk-based capital ratio | 14.3991% | 3,629 |
Total risk-based capital ratio | 15.2739% | 3,777 |
Memoranda: | ||
Average total assets | $49,820,750 | 5,613 |
Average earning assets | $44,824,250 | 5,631 |
Average equity | $6,203,250 | 5,460 |
Average total loans | $28,852,500 | 5,472 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8388% | 3,925 |
Cost of funding earning assets | 0.2069% | 5,381 |
Net interest margin | 3.6319% | 2,974 |
Noninterest income to average assets | 0.5437% | 3,084 |
Noninterest expense to average assets | 2.8734% | 2,985 |
Loan and lease loss provision to assets | 0.0794% | 2,525 |
Net operating income to assets | 0.5029% | 4,757 |
Return on assets (ROA) | 0.5080% | 4,845 |
Pretax return on assets | 0.8731% | 4,058 |
Return on Equity (ROE) | 4.1350% | 4,963 |
Retained earnings to average equity (ytd only) | -1.3568% | 5,750 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.6466% | 3,398 |
Assets per employee ($millions) | 4.8879% | 2,414 |
Cash dividends to net income (ytd only)* | 132.8125% | 244 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0337% | 4,692 |
Loan loss allowance to noncurrent loans | 322.2222% | 1,525 |
Noncurrent assets plus other real estate owned to assets | 0.3478% | 4,496 |
Noncurrent loans to loans | 0.3208% | 4,545 |
Net loans and leases to total assets | 56.8015% | 4,243 |
Net loans and leases to deposits | 71.1478% | 3,807 |
Net loans and leases to core deposits | 87.8219% | 2,569 |
Total domestic deposits to total assets | 79.8359% | 4,902 |
Equity capital to assets | 12.6230% | 1,588 |
Core capital (leverage) ratio | 8.5162% | 5,515 |
Tier 1 risk-based capital ratio | 14.4196% | 3,686 |
Total risk-based capital ratio | 15.4153% | 3,763 |
Memoranda: | ||
Average total assets | $50,393,330 | 5,660 |
Average earning assets | $45,431,000 | 5,674 |
Average equity | $6,191,000 | 5,506 |
Average total loans | $28,876,330 | 5,522 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7557% | 4,179 |
Cost of funding earning assets | 0.2158% | 5,357 |
Net interest margin | 3.5399% | 3,262 |
Noninterest income to average assets | 0.4301% | 3,764 |
Noninterest expense to average assets | 2.6666% | 3,705 |
Loan and lease loss provision to assets | 0.0782% | 2,389 |
Net operating income to assets | 0.5865% | 4,334 |
Return on assets (ROA) | 0.5865% | 4,436 |
Pretax return on assets | 0.8915% | 3,919 |
Return on Equity (ROE) | 4.8375% | 4,614 |
Retained earnings to average equity (ytd only) | -1.6125% | 5,638 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5269% | 3,902 |
Assets per employee ($millions) | 5.2132% | 2,094 |
Cash dividends to net income (ytd only)* | 133.3333% | 436 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0568% | 4,722 |
Loan loss allowance to noncurrent loans | 741.4634% | 712 |
Noncurrent assets plus other real estate owned to assets | 0.2762% | 4,841 |
Noncurrent loans to loans | 0.1425% | 5,267 |
Net loans and leases to total assets | 54.5941% | 4,357 |
Net loans and leases to deposits | 67.3235% | 4,021 |
Net loans and leases to core deposits | 83.0614% | 2,863 |
Total domestic deposits to total assets | 81.0922% | 4,803 |
Equity capital to assets | 11.8756% | 2,124 |
Core capital (leverage) ratio | 8.2809% | 5,754 |
Tier 1 risk-based capital ratio | 13.9087% | 4,082 |
Total risk-based capital ratio | 14.9256% | 4,142 |
Memoranda: | ||
Average total assets | $51,150,500 | 5,697 |
Average earning assets | $46,329,500 | 5,699 |
Average equity | $6,201,500 | 5,553 |
Average total loans | $29,287,500 | 5,549 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0308% | 3,595 |
Cost of funding earning assets | 0.2015% | 5,730 |
Net interest margin | 3.8293% | 2,515 |
Noninterest income to average assets | 0.3155% | 4,863 |
Noninterest expense to average assets | 2.7238% | 3,775 |
Loan and lease loss provision to assets | 0.1254% | 2,086 |
Net operating income to assets | 0.7017% | 3,882 |
Return on assets (ROA) | 0.7017% | 4,000 |
Pretax return on assets | 0.9625% | 3,636 |
Return on Equity (ROE) | 5.5604% | 4,382 |
Retained earnings to average equity (ytd only) | 1.1537% | 5,259 |
Net charge-offs to loans | 0.2043% | 2,030 |
Credit loss provision to net charge-offs | 105.0847% | 2,283 |
Earnings coverage of net charge-offs (x) | 9.1186% | 2,791 |
Efficiency ratio | 65.7825% | 4,287 |
Assets per employee ($millions) | 4.5608% | 2,940 |
Cash dividends to net income (ytd only)* | 79.2507% | 927 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9862% | 5,132 |
Loan loss allowance to noncurrent loans | 1,837.5000% | 355 |
Noncurrent assets plus other real estate owned to assets | 0.2372% | 5,073 |
Noncurrent loans to loans | 0.0537% | 5,663 |
Net loans and leases to total assets | 58.8331% | 3,939 |
Net loans and leases to deposits | 73.2280% | 3,524 |
Net loans and leases to core deposits | 94.4603% | 1,871 |
Total domestic deposits to total assets | 80.3424% | 4,927 |
Equity capital to assets | 12.3821% | 1,714 |
Core capital (leverage) ratio | 8.5453% | 5,506 |
Tier 1 risk-based capital ratio | 13.7261% | 4,283 |
Total risk-based capital ratio | 14.6980% | 4,381 |
Memoranda: | ||
Average total assets | $49,453,000 | 5,800 |
Average earning assets | $45,152,000 | 5,793 |
Average equity | $6,240,600 | 5,573 |
Average total loans | $28,876,800 | 5,611 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9724% | 3,865 |
Cost of funding earning assets | 0.1980% | 5,849 |
Net interest margin | 3.7743% | 2,715 |
Noninterest income to average assets | 0.3139% | 4,929 |
Noninterest expense to average assets | 2.7438% | 3,652 |
Loan and lease loss provision to assets | 0.1272% | 1,972 |
Net operating income to assets | 0.6034% | 4,432 |
Return on assets (ROA) | 0.6034% | 4,520 |
Pretax return on assets | 0.8984% | 3,994 |
Return on Equity (ROE) | 4.7590% | 4,830 |
Retained earnings to average equity (ytd only) | 4.7590% | 3,235 |
Net charge-offs to loans | 0.2700% | 1,452 |
Credit loss provision to net charge-offs | 81.0345% | 2,574 |
Earnings coverage of net charge-offs (x) | 6.5346% | 3,067 |
Efficiency ratio | 67.0495% | 4,036 |
Assets per employee ($millions) | 4.4155% | 3,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9335% | 5,488 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2121% | 5,372 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 61.1805% | 3,598 |
Net loans and leases to deposits | 73.1111% | 3,548 |
Net loans and leases to core deposits | 95.9014% | 1,682 |
Total domestic deposits to total assets | 83.6816% | 3,886 |
Equity capital to assets | 13.1004% | 1,379 |
Core capital (leverage) ratio | 9.1982% | 4,794 |
Tier 1 risk-based capital ratio | 14.3407% | 3,993 |
Total risk-based capital ratio | 15.2778% | 4,131 |
Memoranda: | ||
Average total assets | $49,274,000 | 5,869 |
Average earning assets | $45,110,500 | 5,861 |
Average equity | $6,247,750 | 5,631 |
Average total loans | $28,643,500 | 5,677 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9899% | 3,765 |
Cost of funding earning assets | 0.1940% | 5,963 |
Net interest margin | 3.7959% | 2,587 |
Noninterest income to average assets | 0.1777% | 5,886 |
Noninterest expense to average assets | 2.7228% | 3,786 |
Loan and lease loss provision to assets | 0.0485% | 3,336 |
Net operating income to assets | 0.5292% | 4,696 |
Return on assets (ROA) | 0.5292% | 4,783 |
Pretax return on assets | 0.8847% | 3,942 |
Return on Equity (ROE) | 4.2195% | 5,052 |
Retained earnings to average equity (ytd only) | 4.2195% | 3,485 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.5083% | 3,917 |
Assets per employee ($millions) | 4.3131% | 3,248 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0467% | 5,137 |
Loan loss allowance to noncurrent loans | 891.1765% | 566 |
Noncurrent assets plus other real estate owned to assets | 0.2888% | 5,213 |
Noncurrent loans to loans | 0.1175% | 5,664 |
Net loans and leases to total assets | 60.3764% | 3,657 |
Net loans and leases to deposits | 70.0144% | 3,823 |
Net loans and leases to core deposits | 87.1808% | 2,397 |
Total domestic deposits to total assets | 86.2343% | 2,909 |
Equity capital to assets | 13.2177% | 1,261 |
Core capital (leverage) ratio | 8.8307% | 5,247 |
Tier 1 risk-based capital ratio | 14.6058% | 3,865 |
Total risk-based capital ratio | 15.6651% | 3,921 |
Memoranda: | ||
Average total assets | $49,508,330 | 5,917 |
Average earning assets | $45,365,000 | 5,899 |
Average equity | $6,209,330 | 5,676 |
Average total loans | $28,192,670 | 5,737 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7671% | 4,612 |
Cost of funding earning assets | 0.1892% | 6,083 |
Net interest margin | 3.5779% | 3,345 |
Noninterest income to average assets | 0.1741% | 5,926 |
Noninterest expense to average assets | 2.6039% | 4,257 |
Loan and lease loss provision to assets | 0.0475% | 3,144 |
Net operating income to assets | 0.6252% | 4,064 |
Return on assets (ROA) | 0.6252% | 4,150 |
Pretax return on assets | 0.8152% | 4,053 |
Return on Equity (ROE) | 5.1145% | 4,487 |
Retained earnings to average equity (ytd only) | 5.1145% | 3,050 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9498% | 4,009 |
Assets per employee ($millions) | 4.3092% | 3,321 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0761% | 5,225 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1992% | 5,625 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 52.7983% | 4,563 |
Net loans and leases to deposits | 60.3626% | 4,726 |
Net loans and leases to core deposits | 74.5488% | 3,583 |
Total domestic deposits to total assets | 87.4686% | 2,529 |
Equity capital to assets | 12.0286% | 1,848 |
Core capital (leverage) ratio | 8.3067% | 5,837 |
Tier 1 risk-based capital ratio | 15.1314% | 3,638 |
Total risk-based capital ratio | 16.2262% | 3,676 |
Memoranda: | ||
Average total assets | $50,540,500 | 5,950 |
Average earning assets | $46,508,000 | 5,930 |
Average equity | $6,178,500 | 5,713 |
Average total loans | $27,815,000 | 5,811 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9591% | 4,245 |
Cost of funding earning assets | 0.2281% | 6,118 |
Net interest margin | 3.7310% | 2,937 |
Noninterest income to average assets | 0.1638% | 6,111 |
Noninterest expense to average assets | 2.4893% | 4,799 |
Loan and lease loss provision to assets | 0.4267% | 689 |
Net operating income to assets | 0.4408% | 4,992 |
Return on assets (ROA) | 0.4408% | 5,113 |
Pretax return on assets | 0.6552% | 4,683 |
Return on Equity (ROE) | 3.5211% | 5,316 |
Retained earnings to average equity (ytd only) | -0.1938% | 5,917 |
Net charge-offs to loans | 0.8392% | 735 |
Credit loss provision to net charge-offs | 91.7391% | 2,709 |
Earnings coverage of net charge-offs (x) | 2.3261% | 4,234 |
Efficiency ratio | 63.6467% | 4,965 |
Assets per employee ($millions) | 4.4883% | 2,923 |
Cash dividends to net income (ytd only)* | 105.5046% | 336 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0381% | 5,386 |
Loan loss allowance to noncurrent loans | 2,910.0000% | 217 |
Noncurrent assets plus other real estate owned to assets | 0.2289% | 5,594 |
Noncurrent loans to loans | 0.0357% | 6,143 |
Net loans and leases to total assets | 56.1868% | 4,290 |
Net loans and leases to deposits | 64.6138% | 4,449 |
Net loans and leases to core deposits | 82.5055% | 2,836 |
Total domestic deposits to total assets | 86.9579% | 2,745 |
Equity capital to assets | 12.4304% | 1,547 |
Core capital (leverage) ratio | 8.8851% | 5,160 |
Tier 1 risk-based capital ratio | 14.3322% | 4,063 |
Total risk-based capital ratio | 15.3728% | 4,162 |
Memoranda: | ||
Average total assets | $49,452,200 | 6,027 |
Average earning assets | $45,162,200 | 6,016 |
Average equity | $6,191,200 | 5,768 |
Average total loans | $27,408,600 | 5,875 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9684% | 4,248 |
Cost of funding earning assets | 0.2393% | 6,161 |
Net interest margin | 3.7290% | 2,926 |
Noninterest income to average assets | 0.1644% | 6,203 |
Noninterest expense to average assets | 2.4848% | 4,774 |
Loan and lease loss provision to assets | 0.5525% | 472 |
Net operating income to assets | 0.3423% | 5,457 |
Return on assets (ROA) | 0.3423% | 5,586 |
Pretax return on assets | 0.5282% | 5,273 |
Return on Equity (ROE) | 2.7290% | 5,703 |
Retained earnings to average equity (ytd only) | 2.7290% | 4,689 |
Net charge-offs to loans | 1.1252% | 499 |
Credit loss provision to net charge-offs | 89.1304% | 2,654 |
Earnings coverage of net charge-offs (x) | 1.7435% | 4,253 |
Efficiency ratio | 63.6432% | 4,860 |
Assets per employee ($millions) | 4.3845% | 3,074 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0395% | 5,558 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2136% | 5,805 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 56.2545% | 4,282 |
Net loans and leases to deposits | 65.0140% | 4,403 |
Net loans and leases to core deposits | 85.1302% | 2,524 |
Total domestic deposits to total assets | 86.5268% | 2,951 |
Equity capital to assets | 12.9860% | 1,337 |
Core capital (leverage) ratio | 8.8265% | 5,368 |
Tier 1 risk-based capital ratio | 15.1995% | 3,628 |
Total risk-based capital ratio | 16.2483% | 3,703 |
Memoranda: | ||
Average total assets | $49,472,500 | 6,093 |
Average earning assets | $45,122,500 | 6,089 |
Average equity | $6,204,750 | 5,837 |
Average total loans | $27,253,000 | 5,937 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9342% | 4,340 |
Cost of funding earning assets | 0.2462% | 6,200 |
Net interest margin | 3.6880% | 2,998 |
Noninterest income to average assets | 0.1684% | 6,207 |
Noninterest expense to average assets | 2.5257% | 4,645 |
Loan and lease loss provision to assets | 0.7978% | 271 |
Net operating income to assets | -0.0682% | 6,375 |
Return on assets (ROA) | -0.0682% | 6,422 |
Pretax return on assets | 0.2085% | 6,070 |
Return on Equity (ROE) | -0.5497% | 6,417 |
Retained earnings to average equity (ytd only) | -0.5497% | 5,970 |
Net charge-offs to loans | 1.6913% | 289 |
Credit loss provision to net charge-offs | 86.5217% | 2,512 |
Earnings coverage of net charge-offs (x) | 1.0913% | 4,167 |
Efficiency ratio | 65.3802% | 4,657 |
Assets per employee ($millions) | 4.3461% | 3,093 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0425% | 5,662 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,851 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 55.3977% | 4,385 |
Net loans and leases to deposits | 63.9757% | 4,507 |
Net loans and leases to core deposits | 79.2009% | 3,131 |
Total domestic deposits to total assets | 86.5919% | 3,063 |
Equity capital to assets | 12.8496% | 1,400 |
Core capital (leverage) ratio | 8.3743% | 5,797 |
Tier 1 risk-based capital ratio | 14.9555% | 3,806 |
Total risk-based capital ratio | 16.0071% | 3,901 |
Memoranda: | ||
Average total assets | $49,887,000 | 6,129 |
Average earning assets | $45,499,000 | 6,120 |
Average equity | $6,185,330 | 5,883 |
Average total loans | $27,198,670 | 5,971 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7835% | 4,879 |
Cost of funding earning assets | 0.2499% | 6,290 |
Net interest margin | 3.5335% | 3,551 |
Noninterest income to average assets | 0.1807% | 6,183 |
Noninterest expense to average assets | 2.4898% | 4,789 |
Loan and lease loss provision to assets | 0.0471% | 3,829 |
Net operating income to assets | 0.6441% | 3,996 |
Return on assets (ROA) | 0.6441% | 4,158 |
Pretax return on assets | 0.8640% | 3,895 |
Return on Equity (ROE) | 5.2848% | 4,412 |
Retained earnings to average equity (ytd only) | 5.2848% | 3,064 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.9746% | 4,492 |
Assets per employee ($millions) | 4.7457% | 2,574 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1509% | 5,405 |
Loan loss allowance to noncurrent loans | 126.4000% | 2,753 |
Noncurrent assets plus other real estate owned to assets | 0.6762% | 4,686 |
Noncurrent loans to loans | 0.9105% | 4,313 |
Net loans and leases to total assets | 51.9913% | 4,705 |
Net loans and leases to deposits | 59.3869% | 4,863 |
Net loans and leases to core deposits | 73.2610% | 3,671 |
Total domestic deposits to total assets | 87.5467% | 2,606 |
Equity capital to assets | 11.9667% | 2,065 |
Core capital (leverage) ratio | 8.2983% | 5,830 |
Tier 1 risk-based capital ratio | 14.9344% | 3,888 |
Total risk-based capital ratio | 16.0991% | 3,903 |
Memoranda: | ||
Average total assets | $50,927,000 | 6,158 |
Average earning assets | $46,412,500 | 6,146 |
Average equity | $6,206,500 | 5,939 |
Average total loans | $27,416,500 | 6,009 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9150% | 5,529 |
Cost of funding earning assets | 0.3123% | 6,394 |
Net interest margin | 3.6028% | 4,069 |
Noninterest income to average assets | 0.1518% | 6,276 |
Noninterest expense to average assets | 2.2788% | 5,746 |
Loan and lease loss provision to assets | 0.5283% | 1,097 |
Net operating income to assets | 0.4199% | 5,008 |
Return on assets (ROA) | 0.4199% | 5,271 |
Pretax return on assets | 0.6426% | 4,844 |
Return on Equity (ROE) | 3.4053% | 5,390 |
Retained earnings to average equity (ytd only) | 0.2078% | 5,745 |
Net charge-offs to loans | 1.1233% | 931 |
Credit loss provision to net charge-offs | 91.1565% | 3,427 |
Earnings coverage of net charge-offs (x) | 2.0204% | 4,403 |
Efficiency ratio | 59.9429% | 5,550 |
Assets per employee ($millions) | 4.9651% | 2,276 |
Cash dividends to net income (ytd only)* | 93.8967% | 610 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1324% | 5,433 |
Loan loss allowance to noncurrent loans | 134.7826% | 2,585 |
Noncurrent assets plus other real estate owned to assets | 0.6707% | 4,804 |
Noncurrent loans to loans | 0.8402% | 4,509 |
Net loans and leases to total assets | 54.5125% | 4,543 |
Net loans and leases to deposits | 65.9439% | 4,299 |
Net loans and leases to core deposits | 85.4275% | 2,385 |
Total domestic deposits to total assets | 82.6650% | 4,863 |
Equity capital to assets | 12.4187% | 1,771 |
Core capital (leverage) ratio | 8.1067% | 6,082 |
Tier 1 risk-based capital ratio | 14.5098% | 4,028 |
Total risk-based capital ratio | 15.6485% | 4,053 |
Memoranda: | ||
Average total assets | $50,728,600 | 6,194 |
Average earning assets | $46,436,400 | 6,167 |
Average equity | $6,255,000 | 5,949 |
Average total loans | $26,173,800 | 6,131 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9058% | 5,774 |
Cost of funding earning assets | 0.3226% | 6,496 |
Net interest margin | 3.5832% | 4,303 |
Noninterest income to average assets | 0.1490% | 6,405 |
Noninterest expense to average assets | 2.2667% | 5,786 |
Loan and lease loss provision to assets | 0.1281% | 3,947 |
Net operating income to assets | 0.6588% | 4,097 |
Return on assets (ROA) | 0.6588% | 4,364 |
Pretax return on assets | 1.0353% | 3,582 |
Return on Equity (ROE) | 5.3525% | 4,665 |
Retained earnings to average equity (ytd only) | 5.3525% | 3,124 |
Net charge-offs to loans | 0.1701% | 3,744 |
Credit loss provision to net charge-offs | 148.4848% | 1,912 |
Earnings coverage of net charge-offs (x) | 13.4845% | 1,904 |
Efficiency ratio | 59.9848% | 5,503 |
Assets per employee ($millions) | 4.7032% | 2,597 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3505% | 4,578 |
Loan loss allowance to noncurrent loans | 341.7476% | 1,095 |
Noncurrent assets plus other real estate owned to assets | 0.1991% | 6,216 |
Noncurrent loans to loans | 0.3952% | 5,668 |
Net loans and leases to total assets | 49.6994% | 5,349 |
Net loans and leases to deposits | 57.1683% | 5,513 |
Net loans and leases to core deposits | 72.6000% | 4,183 |
Total domestic deposits to total assets | 86.9353% | 2,709 |
Equity capital to assets | 12.3823% | 1,974 |
Core capital (leverage) ratio | 8.5256% | 5,717 |
Tier 1 risk-based capital ratio | 15.7450% | 3,401 |
Total risk-based capital ratio | 16.9945% | 3,365 |
Memoranda: | ||
Average total assets | $50,998,000 | 6,251 |
Average earning assets | $46,698,250 | 6,232 |
Average equity | $6,277,250 | 6,014 |
Average total loans | $25,873,250 | 6,222 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9227% | 5,859 |
Cost of funding earning assets | 0.3574% | 6,476 |
Net interest margin | 3.5653% | 4,398 |
Noninterest income to average assets | 0.1458% | 6,469 |
Noninterest expense to average assets | 2.2423% | 5,901 |
Loan and lease loss provision to assets | 0.1340% | 3,853 |
Net operating income to assets | 0.7093% | 3,823 |
Return on assets (ROA) | 0.7093% | 4,083 |
Pretax return on assets | 1.0325% | 3,587 |
Return on Equity (ROE) | 5.7745% | 4,437 |
Retained earnings to average equity (ytd only) | 5.7745% | 2,839 |
Net charge-offs to loans | 0.2557% | 3,044 |
Credit loss provision to net charge-offs | 103.0303% | 2,646 |
Earnings coverage of net charge-offs (x) | 8.9697% | 2,223 |
Efficiency ratio | 59.5376% | 5,648 |
Assets per employee ($millions) | 4.8216% | 2,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2820% | 4,972 |
Loan loss allowance to noncurrent loans | 327.1845% | 1,097 |
Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,247 |
Noncurrent loans to loans | 0.3918% | 5,753 |
Net loans and leases to total assets | 53.8203% | 4,834 |
Net loans and leases to deposits | 62.4278% | 4,949 |
Net loans and leases to core deposits | 77.4511% | 3,596 |
Total domestic deposits to total assets | 86.2120% | 3,243 |
Equity capital to assets | 13.1284% | 1,460 |
Core capital (leverage) ratio | 8.7813% | 5,249 |
Tier 1 risk-based capital ratio | 15.2749% | 3,588 |
Total risk-based capital ratio | 16.5251% | 3,552 |
Memoranda: | ||
Average total assets | $50,752,330 | 6,300 |
Average earning assets | $46,447,670 | 6,279 |
Average equity | $6,234,330 | 6,055 |
Average total loans | $25,809,670 | 6,272 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8493% | 6,141 |
Cost of funding earning assets | 0.3606% | 6,599 |
Net interest margin | 3.4887% | 4,760 |
Noninterest income to average assets | 0.1384% | 6,556 |
Noninterest expense to average assets | 2.3299% | 5,688 |
Loan and lease loss provision to assets | 0.1153% | 3,912 |
Net operating income to assets | 0.6151% | 4,286 |
Return on assets (ROA) | 0.6151% | 4,493 |
Pretax return on assets | 0.8920% | 4,057 |
Return on Equity (ROE) | 5.1726% | 4,706 |
Retained earnings to average equity (ytd only) | 5.1726% | 3,459 |
Net charge-offs to loans | 0.0156% | 4,466 |
Credit loss provision to net charge-offs | 1,500.0000% | 217 |
Earnings coverage of net charge-offs (x) | 131.0000% | 271 |
Efficiency ratio | 63.5945% | 5,006 |
Assets per employee ($millions) | 4.8511% | 2,449 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4043% | 4,590 |
Loan loss allowance to noncurrent loans | 203.4884% | 1,632 |
Noncurrent assets plus other real estate owned to assets | 0.3546% | 6,001 |
Noncurrent loans to loans | 0.6901% | 5,285 |
Net loans and leases to total assets | 50.6545% | 5,212 |
Net loans and leases to deposits | 58.5044% | 5,323 |
Net loans and leases to core deposits | 74.5925% | 3,818 |
Total domestic deposits to total assets | 86.5824% | 3,184 |
Equity capital to assets | 12.8321% | 1,525 |
Core capital (leverage) ratio | 7.8460% | 6,378 |
Tier 1 risk-based capital ratio | 15.2805% | 3,565 |
Total risk-based capital ratio | 16.5298% | 3,528 |
Memoranda: | ||
Average total assets | $52,020,500 | 6,300 |
Average earning assets | $47,697,500 | 6,283 |
Average equity | $6,186,500 | 6,099 |
Average total loans | $25,571,000 | 6,331 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2828% | 5,809 |
Cost of funding earning assets | 0.5189% | 6,458 |
Net interest margin | 3.7640% | 4,010 |
Noninterest income to average assets | 0.1907% | 6,138 |
Noninterest expense to average assets | 2.4248% | 5,710 |
Loan and lease loss provision to assets | 0.1069% | 5,257 |
Net operating income to assets | 0.7251% | 3,360 |
Return on assets (ROA) | 0.7251% | 3,539 |
Pretax return on assets | 1.0646% | 2,983 |
Return on Equity (ROE) | 5.7109% | 4,022 |
Retained earnings to average equity (ytd only) | 3.7137% | 3,565 |
Net charge-offs to loans | 0.0036% | 6,396 |
Credit loss provision to net charge-offs | 5,100.0000% | 50 |
Earnings coverage of net charge-offs (x) | 559.0000% | 58 |
Efficiency ratio | 61.1888% | 5,580 |
Assets per employee ($millions) | 5.5530% | 1,578 |
Cash dividends to net income (ytd only)* | 34.9711% | 2,867 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2815% | 5,012 |
Loan loss allowance to noncurrent loans | 248.8889% | 1,330 |
Noncurrent assets plus other real estate owned to assets | 0.2431% | 6,361 |
Noncurrent loans to loans | 0.5149% | 5,680 |
Net loans and leases to total assets | 46.6108% | 5,954 |
Net loans and leases to deposits | 52.8084% | 6,150 |
Net loans and leases to core deposits | 65.9355% | 5,258 |
Total domestic deposits to total assets | 88.2640% | 1,990 |
Equity capital to assets | 11.0715% | 2,921 |
Core capital (leverage) ratio | 8.3947% | 5,720 |
Tier 1 risk-based capital ratio | 14.3627% | 4,070 |
Total risk-based capital ratio | 15.6110% | 4,041 |
Memoranda: | ||
Average total assets | $47,716,200 | 6,432 |
Average earning assets | $43,172,200 | 6,414 |
Average equity | $6,058,600 | 6,142 |
Average total loans | $27,667,800 | 6,263 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4175% | 5,552 |
Cost of funding earning assets | 0.5728% | 6,420 |
Net interest margin | 3.8447% | 3,643 |
Noninterest income to average assets | 0.2010% | 6,162 |
Noninterest expense to average assets | 2.5231% | 5,387 |
Loan and lease loss provision to assets | 0.1224% | 4,906 |
Net operating income to assets | 0.6992% | 3,624 |
Return on assets (ROA) | 0.6992% | 3,794 |
Pretax return on assets | 1.0168% | 3,346 |
Return on Equity (ROE) | 5.3011% | 4,398 |
Retained earnings to average equity (ytd only) | 4.2851% | 3,681 |
Net charge-offs to loans | 0.0047% | 6,123 |
Credit loss provision to net charge-offs | 4,200.0000% | 77 |
Earnings coverage of net charge-offs (x) | 391.9699% | 93 |
Efficiency ratio | 62.5298% | 5,328 |
Assets per employee ($millions) | 4.6182% | 2,731 |
Cash dividends to net income (ytd only)* | 19.1662% | 2,965 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0916% | 5,925 |
Loan loss allowance to noncurrent loans | 2,180.0000% | 201 |
Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,975 |
Noncurrent loans to loans | 0.0501% | 6,810 |
Net loans and leases to total assets | 64.1570% | 3,278 |
Net loans and leases to deposits | 74.5965% | 3,575 |
Net loans and leases to core deposits | 99.5665% | 1,291 |
Total domestic deposits to total assets | 86.0054% | 3,212 |
Equity capital to assets | 13.2498% | 1,494 |
Core capital (leverage) ratio | 8.5458% | 5,646 |
Tier 1 risk-based capital ratio | 13.4681% | 4,761 |
Total risk-based capital ratio | 14.6219% | 4,792 |
Memoranda: | ||
Average total assets | $45,762,750 | 6,545 |
Average earning assets | $41,198,250 | 6,539 |
Average equity | $6,036,250 | 6,192 |
Average total loans | $28,030,000 | 6,299 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3286% | 5,917 |
Cost of funding earning assets | 0.5947% | 6,486 |
Net interest margin | 3.7339% | 4,102 |
Noninterest income to average assets | 0.1929% | 6,289 |
Noninterest expense to average assets | 2.5031% | 5,521 |
Loan and lease loss provision to assets | 0.0789% | 5,325 |
Net operating income to assets | 0.7277% | 3,399 |
Return on assets (ROA) | 0.7277% | 3,517 |
Pretax return on assets | 0.9688% | 3,363 |
Return on Equity (ROE) | 5.5253% | 4,201 |
Retained earnings to average equity (ytd only) | 5.5253% | 2,681 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.8272% | 5,272 |
Assets per employee ($millions) | 4.0525% | 3,649 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0660% | 6,076 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 63.2950% | 3,620 |
Net loans and leases to deposits | 73.9232% | 3,816 |
Net loans and leases to core deposits | 93.7251% | 1,930 |
Total domestic deposits to total assets | 85.6226% | 3,541 |
Equity capital to assets | 13.6573% | 1,222 |
Core capital (leverage) ratio | 8.7112% | 5,210 |
Tier 1 risk-based capital ratio | 13.6413% | 4,422 |
Total risk-based capital ratio | 14.7410% | 4,510 |
Memoranda: | ||
Average total assets | $45,623,000 | 6,606 |
Average earning assets | $41,029,330 | 6,598 |
Average equity | $6,008,670 | 6,231 |
Average total loans | $27,388,000 | 6,394 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3459% | 5,872 |
Cost of funding earning assets | 0.6264% | 6,489 |
Net interest margin | 3.7196% | 4,001 |
Noninterest income to average assets | 0.1994% | 6,291 |
Noninterest expense to average assets | 2.4097% | 5,858 |
Loan and lease loss provision to assets | 0.0780% | 5,026 |
Net operating income to assets | 0.9015% | 2,558 |
Return on assets (ROA) | 0.9015% | 2,618 |
Pretax return on assets | 1.0575% | 2,911 |
Return on Equity (ROE) | 6.9693% | 3,397 |
Retained earnings to average equity (ytd only) | 6.9693% | 2,162 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.3692% | 5,786 |
Assets per employee ($millions) | 4.2323% | 3,389 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1909% | 5,679 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 52.5744% | 5,509 |
Net loans and leases to deposits | 60.8160% | 5,639 |
Net loans and leases to core deposits | 77.6153% | 4,076 |
Total domestic deposits to total assets | 86.4483% | 3,267 |
Equity capital to assets | 12.9352% | 1,410 |
Core capital (leverage) ratio | 8.2335% | 5,931 |
Tier 1 risk-based capital ratio | 14.2962% | 3,874 |
Total risk-based capital ratio | 15.4385% | 3,913 |
Memoranda: | ||
Average total assets | $46,146,000 | 6,635 |
Average earning assets | $41,510,000 | 6,632 |
Average equity | $5,969,000 | 6,259 |
Average total loans | $26,822,500 | 6,481 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7788% | 5,493 |
Cost of funding earning assets | 0.8048% | 6,543 |
Net interest margin | 3.9741% | 3,129 |
Noninterest income to average assets | 0.2447% | 6,047 |
Noninterest expense to average assets | 2.5762% | 5,522 |
Loan and lease loss provision to assets | 1.3749% | 1,097 |
Net operating income to assets | -0.1535% | 6,057 |
Return on assets (ROA) | -0.1535% | 6,112 |
Pretax return on assets | -0.1580% | 6,055 |
Return on Equity (ROE) | -1.1391% | 6,074 |
Retained earnings to average equity (ytd only) | -4.0281% | 6,204 |
Net charge-offs to loans | 1.7972% | 1,173 |
Credit loss provision to net charge-offs | 120.0000% | 3,519 |
Earnings coverage of net charge-offs (x) | 1.0621% | 5,049 |
Efficiency ratio | 61.6422% | 5,786 |
Assets per employee ($millions) | 4.1579% | 3,465 |
Cash dividends to net income (ytd only)* | -253.6232% | 7,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9905% | 6,426 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 62.5052% | 4,169 |
Net loans and leases to deposits | 72.3216% | 4,462 |
Net loans and leases to core deposits | 95.1443% | 2,107 |
Total domestic deposits to total assets | 86.4267% | 3,120 |
Equity capital to assets | 12.9348% | 1,421 |
Core capital (leverage) ratio | 7.9762% | 6,233 |
Tier 1 risk-based capital ratio | 12.8500% | 4,729 |
Total risk-based capital ratio | 13.8795% | 4,894 |
Memoranda: | ||
Average total assets | $44,950,000 | 6,698 |
Average earning assets | $40,135,200 | 6,710 |
Average equity | $6,057,400 | 6,338 |
Average total loans | $28,656,200 | 6,461 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7665% | 5,804 |
Cost of funding earning assets | 0.8311% | 6,649 |
Net interest margin | 3.9354% | 3,379 |
Noninterest income to average assets | 0.2294% | 6,257 |
Noninterest expense to average assets | 2.7439% | 4,708 |
Loan and lease loss provision to assets | 0.6316% | 2,413 |
Net operating income to assets | 0.1222% | 5,712 |
Return on assets (ROA) | 0.1222% | 5,875 |
Pretax return on assets | 0.3665% | 5,322 |
Return on Equity (ROE) | 0.8973% | 5,919 |
Retained earnings to average equity (ytd only) | -2.4948% | 6,283 |
Net charge-offs to loans | 0.0793% | 5,731 |
Credit loss provision to net charge-offs | 1,247.0588% | 240 |
Earnings coverage of net charge-offs (x) | 19.7027% | 1,198 |
Efficiency ratio | 66.9586% | 4,663 |
Assets per employee ($millions) | 4.1567% | 3,529 |
Cash dividends to net income (ytd only)* | 378.0135% | 32 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2582% | 5,173 |
Loan loss allowance to noncurrent loans | 60.3834% | 4,303 |
Noncurrent assets plus other real estate owned to assets | 1.3691% | 4,430 |
Noncurrent loans to loans | 2.0836% | 3,587 |
Net loans and leases to total assets | 64.8806% | 3,933 |
Net loans and leases to deposits | 75.7849% | 4,215 |
Net loans and leases to core deposits | 99.9933% | 1,853 |
Total domestic deposits to total assets | 85.6115% | 3,286 |
Equity capital to assets | 13.2359% | 1,480 |
Core capital (leverage) ratio | 8.5500% | 5,421 |
Tier 1 risk-based capital ratio | 12.5247% | 4,955 |
Total risk-based capital ratio | 13.7727% | 4,937 |
Memoranda: | ||
Average total assets | $44,753,250 | 6,788 |
Average earning assets | $39,944,000 | 6,797 |
Average equity | $6,092,750 | 6,416 |
Average total loans | $28,601,750 | 6,551 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7998% | 5,800 |
Cost of funding earning assets | 0.8580% | 6,733 |
Net interest margin | 3.9418% | 3,275 |
Noninterest income to average assets | 0.1846% | 6,586 |
Noninterest expense to average assets | 2.7954% | 4,499 |
Loan and lease loss provision to assets | 0.5042% | 2,785 |
Net operating income to assets | 0.2431% | 5,398 |
Return on assets (ROA) | 0.2431% | 5,543 |
Pretax return on assets | 0.4006% | 5,222 |
Return on Equity (ROE) | 1.7687% | 5,703 |
Retained earnings to average equity (ytd only) | -2.1617% | 6,171 |
Net charge-offs to loans | 0.1209% | 4,973 |
Credit loss provision to net charge-offs | 658.8235% | 563 |
Earnings coverage of net charge-offs (x) | 11.8235% | 1,725 |
Efficiency ratio | 68.9781% | 4,383 |
Assets per employee ($millions) | 3.9735% | 3,817 |
Cash dividends to net income (ytd only)* | 222.2222% | 96 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9528% | 6,589 |
Loan loss allowance to noncurrent loans | 220.6349% | 1,274 |
Noncurrent assets plus other real estate owned to assets | 0.2883% | 6,693 |
Noncurrent loans to loans | 0.4318% | 6,375 |
Net loans and leases to total assets | 66.1183% | 3,808 |
Net loans and leases to deposits | 77.8697% | 3,993 |
Net loans and leases to core deposits | 96.8725% | 2,342 |
Total domestic deposits to total assets | 84.9089% | 3,681 |
Equity capital to assets | 13.9380% | 1,179 |
Core capital (leverage) ratio | 8.9039% | 4,745 |
Tier 1 risk-based capital ratio | 12.9739% | 4,473 |
Total risk-based capital ratio | 13.9453% | 4,663 |
Memoranda: | ||
Average total assets | $44,429,670 | 6,850 |
Average earning assets | $39,626,670 | 6,862 |
Average equity | $6,106,330 | 6,436 |
Average total loans | $28,121,000 | 6,625 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7053% | 6,224 |
Cost of funding earning assets | 0.9091% | 6,735 |
Net interest margin | 3.7962% | 3,814 |
Noninterest income to average assets | 0.1875% | 6,614 |
Noninterest expense to average assets | 2.7684% | 4,616 |
Loan and lease loss provision to assets | 0.9824% | 1,268 |
Net operating income to assets | -0.2947% | 6,662 |
Return on assets (ROA) | -0.2947% | 6,717 |
Pretax return on assets | -0.1697% | 6,529 |
Return on Equity (ROE) | -2.1592% | 6,654 |
Retained earnings to average equity (ytd only) | -6.0849% | 6,668 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.5736% | 4,201 |
Assets per employee ($millions) | 4.1177% | 3,621 |
Cash dividends to net income (ytd only)* | -181.8182% | 7,904 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9934% | 6,501 |
Loan loss allowance to noncurrent loans | 199.3197% | 1,425 |
Noncurrent assets plus other real estate owned to assets | 0.3245% | 6,666 |
Noncurrent loans to loans | 0.4984% | 6,301 |
Net loans and leases to total assets | 64.4729% | 4,224 |
Net loans and leases to deposits | 75.3237% | 4,527 |
Net loans and leases to core deposits | 94.8396% | 2,725 |
Total domestic deposits to total assets | 85.5944% | 3,363 |
Equity capital to assets | 13.3900% | 1,368 |
Core capital (leverage) ratio | 8.6614% | 5,094 |
Tier 1 risk-based capital ratio | 13.8982% | 3,726 |
Total risk-based capital ratio | 15.0083% | 3,782 |
Memoranda: | ||
Average total assets | $44,790,500 | 6,926 |
Average earning assets | $40,040,000 | 6,930 |
Average equity | $6,113,500 | 6,478 |
Average total loans | $27,593,000 | 6,745 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4607% | 4,386 |
Cost of funding earning assets | 1.6600% | 4,735 |
Net interest margin | 3.8007% | 3,705 |
Noninterest income to average assets | 0.1578% | 6,943 |
Noninterest expense to average assets | 2.6385% | 5,633 |
Loan and lease loss provision to assets | 0.1315% | 6,321 |
Net operating income to assets | 0.4247% | 4,031 |
Return on assets (ROA) | 0.4602% | 4,010 |
Pretax return on assets | 0.5676% | 3,994 |
Return on Equity (ROE) | 3.4088% | 4,329 |
Retained earnings to average equity (ytd only) | 0.9739% | 4,350 |
Net charge-offs to loans | 0.3471% | 4,496 |
Credit loss provision to net charge-offs | 68.9655% | 6,510 |
Earnings coverage of net charge-offs (x) | 3.4368% | 3,345 |
Efficiency ratio | 72.9874% | 4,099 |
Assets per employee ($millions) | 4.0260% | 3,765 |
Cash dividends to net income (ytd only)* | 71.4286% | 1,502 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7123% | 7,349 |
Loan loss allowance to noncurrent loans | 63.3218% | 4,222 |
Noncurrent assets plus other real estate owned to assets | 0.6526% | 5,832 |
Noncurrent loans to loans | 1.1250% | 5,082 |
Net loans and leases to total assets | 57.5961% | 5,729 |
Net loans and leases to deposits | 67.6973% | 5,867 |
Net loans and leases to core deposits | 96.8522% | 4,368 |
Total domestic deposits to total assets | 85.0788% | 3,517 |
Equity capital to assets | 13.9141% | 1,195 |
Core capital (leverage) ratio | 8.7443% | 4,848 |
Tier 1 risk-based capital ratio | 12.6384% | 4,408 |
Total risk-based capital ratio | 13.2563% | 4,895 |
Memoranda: | ||
Average total assets | $45,632,600 | 6,889 |
Average earning assets | $37,650,800 | 7,026 |
Average equity | $6,160,600 | 6,544 |
Average total loans | $25,067,200 | 6,911 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5322% | 4,261 |
Cost of funding earning assets | 1.8082% | 4,350 |
Net interest margin | 3.7241% | 3,974 |
Noninterest income to average assets | 0.1479% | 7,121 |
Noninterest expense to average assets | 2.4944% | 6,086 |
Loan and lease loss provision to assets | 0.1160% | 6,207 |
Net operating income to assets | 0.4322% | 4,269 |
Return on assets (ROA) | 0.4322% | 4,369 |
Pretax return on assets | 0.5482% | 4,365 |
Return on Equity (ROE) | 3.2249% | 4,691 |
Retained earnings to average equity (ytd only) | 1.2769% | 4,607 |
Net charge-offs to loans | 0.4549% | 3,413 |
Credit loss provision to net charge-offs | 47.0588% | 6,355 |
Earnings coverage of net charge-offs (x) | 2.6942% | 3,879 |
Efficiency ratio | 71.6253% | 4,310 |
Assets per employee ($millions) | 4.1277% | 3,515 |
Cash dividends to net income (ytd only)* | 60.4047% | 1,582 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5959% | 7,587 |
Loan loss allowance to noncurrent loans | 56.5068% | 4,575 |
Noncurrent assets plus other real estate owned to assets | 0.6431% | 5,844 |
Noncurrent loans to loans | 1.0546% | 5,209 |
Net loans and leases to total assets | 60.6167% | 5,485 |
Net loans and leases to deposits | 72.7410% | 5,546 |
Net loans and leases to core deposits | 109.3397% | 3,310 |
Total domestic deposits to total assets | 83.3322% | 4,050 |
Equity capital to assets | 13.5800% | 1,462 |
Core capital (leverage) ratio | 8.1135% | 6,169 |
Tier 1 risk-based capital ratio | 11.4147% | 5,513 |
Total risk-based capital ratio | 11.9619% | 6,208 |
Memoranda: | ||
Average total assets | $45,969,250 | 6,922 |
Average earning assets | $37,163,000 | 7,108 |
Average equity | $6,160,250 | 6,607 |
Average total loans | $24,911,500 | 6,985 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6851% | 3,637 |
Cost of funding earning assets | 2.0411% | 3,570 |
Net interest margin | 3.6440% | 4,199 |
Noninterest income to average assets | 0.1473% | 7,212 |
Noninterest expense to average assets | 2.3745% | 6,542 |
Loan and lease loss provision to assets | 0.0867% | 6,304 |
Net operating income to assets | 0.4290% | 4,385 |
Return on assets (ROA) | 0.4290% | 4,497 |
Pretax return on assets | 0.5330% | 4,517 |
Return on Equity (ROE) | 3.2152% | 4,818 |
Retained earnings to average equity (ytd only) | 1.5913% | 4,443 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4906% | 4,510 |
Assets per employee ($millions) | 4.0198% | 3,636 |
Cash dividends to net income (ytd only)* | 50.5051% | 2,026 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9717% | 6,435 |
Loan loss allowance to noncurrent loans | 61.3333% | 4,386 |
Noncurrent assets plus other real estate owned to assets | 0.8481% | 5,286 |
Noncurrent loans to loans | 1.5844% | 4,120 |
Net loans and leases to total assets | 53.0078% | 6,567 |
Net loans and leases to deposits | 64.5081% | 6,518 |
Net loans and leases to core deposits | 90.2368% | 5,513 |
Total domestic deposits to total assets | 82.1724% | 4,620 |
Equity capital to assets | 13.9559% | 1,326 |
Core capital (leverage) ratio | 7.7875% | 6,630 |
Tier 1 risk-based capital ratio | 11.9106% | 4,992 |
Total risk-based capital ratio | 12.7151% | 5,343 |
Memoranda: | ||
Average total assets | $46,157,330 | 6,977 |
Average earning assets | $36,059,000 | 7,222 |
Average equity | $6,158,330 | 6,662 |
Average total loans | $23,986,000 | 7,087 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8666% | 2,953 |
Cost of funding earning assets | 2.2573% | 2,895 |
Net interest margin | 3.6093% | 4,282 |
Noninterest income to average assets | 0.1443% | 7,262 |
Noninterest expense to average assets | 2.3087% | 6,513 |
Loan and lease loss provision to assets | 0.1698% | 4,771 |
Net operating income to assets | 0.2886% | 5,338 |
Return on assets (ROA) | 0.2886% | 5,510 |
Pretax return on assets | 0.3395% | 5,556 |
Return on Equity (ROE) | 2.2107% | 5,699 |
Retained earnings to average equity (ytd only) | 2.2107% | 4,642 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7952% | 3,862 |
Assets per employee ($millions) | 4.3222% | 3,029 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0648% | 5,719 |
Loan loss allowance to noncurrent loans | 92.7419% | 3,248 |
Noncurrent assets plus other real estate owned to assets | 0.5216% | 5,911 |
Noncurrent loans to loans | 1.1481% | 4,696 |
Net loans and leases to total assets | 44.9478% | 7,269 |
Net loans and leases to deposits | 54.3558% | 7,265 |
Net loans and leases to core deposits | 78.9756% | 6,463 |
Total domestic deposits to total assets | 82.6918% | 4,293 |
Equity capital to assets | 12.9606% | 1,763 |
Core capital (leverage) ratio | 7.4674% | 7,194 |
Tier 1 risk-based capital ratio | 12.5261% | 4,533 |
Total risk-based capital ratio | 13.3827% | 4,740 |
Memoranda: | ||
Average total assets | $47,127,000 | 6,981 |
Average earning assets | $34,909,500 | 7,306 |
Average equity | $6,152,000 | 6,708 |
Average total loans | $24,144,500 | 7,125 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2058% | 4,487 |
Cost of funding earning assets | 2.3144% | 5,087 |
Net interest margin | 3.8914% | 3,601 |
Noninterest income to average assets | 0.1715% | 7,195 |
Noninterest expense to average assets | 2.5015% | 5,999 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.6339% | 4,172 |
Return on assets (ROA) | 0.6506% | 3,954 |
Pretax return on assets | 0.9160% | 3,671 |
Return on Equity (ROE) | 4.5746% | 4,566 |
Retained earnings to average equity (ytd only) | 2.5928% | 3,577 |
Net charge-offs to loans | -0.0049% | 7,785 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.2976% | 5,061 |
Assets per employee ($millions) | 4.2464% | 3,040 |
Cash dividends to net income (ytd only)* | 43.3213% | 3,497 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7868% | 7,156 |
Loan loss allowance to noncurrent loans | 84.6774% | 3,973 |
Noncurrent assets plus other real estate owned to assets | 0.5309% | 5,586 |
Noncurrent loans to loans | 0.9292% | 4,755 |
Net loans and leases to total assets | 56.6881% | 6,361 |
Net loans and leases to deposits | 68.9396% | 6,381 |
Net loans and leases to core deposits | 99.3658% | 4,887 |
Total domestic deposits to total assets | 82.2286% | 4,108 |
Equity capital to assets | 13.1492% | 1,729 |
Core capital (leverage) ratio | 7.8272% | 6,761 |
Tier 1 risk-based capital ratio | 10.6581% | 6,039 |
Total risk-based capital ratio | 11.3360% | 6,514 |
Memoranda: | ||
Average total assets | $42,575,000 | 7,099 |
Average earning assets | $35,257,400 | 7,272 |
Average equity | $6,055,200 | 6,784 |
Average total loans | $20,530,400 | 7,298 |