Home > North American Savings Bank, F.S.B. > Performance and Condition Ratios
North American Savings Bank, F.S.B., Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6716% | 962 |
Cost of funding earning assets | 2.5020% | 359 |
Net interest margin | 3.1696% | 2,944 |
Noninterest income to average assets | 0.2800% | 3,252 |
Noninterest expense to average assets | 1.9832% | 3,671 |
Loan and lease loss provision to assets | -0.0500% | 4,436 |
Net operating income to assets | 1.0657% | 2,021 |
Return on assets (ROA) | 0.9608% | 2,327 |
Pretax return on assets | 1.3036% | 1,865 |
Return on Equity (ROE) | 6.5900% | 3,391 |
Retained earnings to average equity (ytd only) | 4.7193% | 2,707 |
Net charge-offs to loans | -0.0045% | 3,810 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 59.4818% | 3,140 |
Assets per employee ($millions) | 11.1348% | 519 |
Cash dividends to net income (ytd only)* | 28.4356% | 2,615 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4129% | 1,346 |
Loan loss allowance to noncurrent loans | 171.2264% | 2,687 |
Noncurrent assets plus other real estate owned to assets | 0.9120% | 547 |
Noncurrent loans to loans | 0.8252% | 934 |
Net loans and leases to total assets | 76.4400% | 1,065 |
Net loans and leases to deposits | 122.0897% | 74 |
Net loans and leases to core deposits | 141.6424% | 261 |
Total domestic deposits to total assets | 62.6100% | 4,419 |
Equity capital to assets | 14.8713% | 567 |
Core capital (leverage) ratio | 15.2962% | 575 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.7731% | 346 |
Memoranda: | ||
Average total assets | $2,714,300,800 | 430 |
Average earning assets | $2,609,223,000 | 406 |
Average equity | $395,483,000 | 319 |
Average total loans | $2,124,614,800 | 386 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6285% | 877 |
Cost of funding earning assets | 2.3890% | 341 |
Net interest margin | 3.2395% | 2,823 |
Noninterest income to average assets | 0.3700% | 2,673 |
Noninterest expense to average assets | 2.0406% | 3,492 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.0819% | 2,111 |
Return on assets (ROA) | 0.8887% | 2,709 |
Pretax return on assets | 1.2483% | 2,175 |
Return on Equity (ROE) | 6.1300% | 3,619 |
Retained earnings to average equity (ytd only) | 4.2399% | 3,192 |
Net charge-offs to loans | -0.0063% | 3,807 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 58.4771% | 3,145 |
Assets per employee ($millions) | 11.3829% | 458 |
Cash dividends to net income (ytd only)* | 30.8469% | 2,038 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4245% | 1,351 |
Loan loss allowance to noncurrent loans | 256.4628% | 2,199 |
Noncurrent assets plus other real estate owned to assets | 0.7155% | 787 |
Noncurrent loans to loans | 0.5554% | 1,439 |
Net loans and leases to total assets | 73.5900% | 1,392 |
Net loans and leases to deposits | 113.3442% | 143 |
Net loans and leases to core deposits | 136.9320% | 257 |
Total domestic deposits to total assets | 64.9300% | 4,420 |
Equity capital to assets | 14.0745% | 638 |
Core capital (leverage) ratio | 14.9630% | 632 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.2689% | 342 |
Memoranda: | ||
Average total assets | $2,705,300,500 | 433 |
Average earning assets | $2,600,182,250 | 408 |
Average equity | $392,102,000 | 320 |
Average total loans | $2,122,667,500 | 386 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5826% | 748 |
Cost of funding earning assets | 2.2174% | 326 |
Net interest margin | 3.3652% | 2,606 |
Noninterest income to average assets | 0.3600% | 2,698 |
Noninterest expense to average assets | 2.1080% | 3,324 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.1177% | 2,068 |
Return on assets (ROA) | 0.8252% | 3,010 |
Pretax return on assets | 1.1914% | 2,384 |
Return on Equity (ROE) | 5.6400% | 3,772 |
Retained earnings to average equity (ytd only) | 3.7391% | 3,271 |
Net charge-offs to loans | -0.0023% | 3,552 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 58.5676% | 3,122 |
Assets per employee ($millions) | 10.7571% | 537 |
Cash dividends to net income (ytd only)* | 33.6601% | 1,970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4192% | 1,463 |
Loan loss allowance to noncurrent loans | 224.1470% | 2,470 |
Noncurrent assets plus other real estate owned to assets | 0.7577% | 673 |
Noncurrent loans to loans | 0.6332% | 1,178 |
Net loans and leases to total assets | 75.8200% | 1,075 |
Net loans and leases to deposits | 117.0388% | 111 |
Net loans and leases to core deposits | 137.1345% | 242 |
Total domestic deposits to total assets | 64.7800% | 4,446 |
Equity capital to assets | 14.4950% | 579 |
Core capital (leverage) ratio | 14.9819% | 594 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.4718% | 335 |
Memoranda: | ||
Average total assets | $2,669,876,333 | 425 |
Average earning assets | $2,564,608,667 | 405 |
Average equity | $390,897,333 | 311 |
Average total loans | $2,130,545,000 | 372 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4319% | 685 |
Cost of funding earning assets | 1.9442% | 333 |
Net interest margin | 3.4877% | 2,401 |
Noninterest income to average assets | 0.1400% | 4,146 |
Noninterest expense to average assets | 2.2822% | 2,865 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.8998% | 2,852 |
Return on assets (ROA) | 0.3387% | 4,147 |
Pretax return on assets | 0.6382% | 3,781 |
Return on Equity (ROE) | 2.3000% | 4,264 |
Retained earnings to average equity (ytd only) | 0.3914% | 3,963 |
Net charge-offs to loans | -0.0009% | 3,312 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 65.4243% | 2,280 |
Assets per employee ($millions) | 9.4828% | 806 |
Cash dividends to net income (ytd only)* | 82.9902% | 605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4068% | 1,592 |
Loan loss allowance to noncurrent loans | 221.6224% | 2,550 |
Noncurrent assets plus other real estate owned to assets | 0.7258% | 672 |
Noncurrent loans to loans | 0.6348% | 1,185 |
Net loans and leases to total assets | 75.7000% | 1,000 |
Net loans and leases to deposits | 119.0075% | 88 |
Net loans and leases to core deposits | 137.6691% | 201 |
Total domestic deposits to total assets | 63.6100% | 4,518 |
Equity capital to assets | 14.1461% | 579 |
Core capital (leverage) ratio | 15.3613% | 530 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.5093% | 375 |
Memoranda: | ||
Average total assets | $2,638,665,500 | 445 |
Average earning assets | $2,531,634,500 | 420 |
Average equity | $388,323,000 | 322 |
Average total loans | $2,145,051,000 | 378 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9516% | 328 |
Cost of funding earning assets | 0.9947% | 166 |
Net interest margin | 3.9569% | 846 |
Noninterest income to average assets | 1.9600% | 254 |
Noninterest expense to average assets | 4.1744% | 296 |
Loan and lease loss provision to assets | 0.0300% | 2,326 |
Net operating income to assets | 1.1995% | 1,770 |
Return on assets (ROA) | 1.2080% | 1,688 |
Pretax return on assets | 1.5401% | 1,323 |
Return on Equity (ROE) | 7.3700% | 3,550 |
Retained earnings to average equity (ytd only) | 0.9749% | 4,208 |
Net charge-offs to loans | -0.1265% | 4,563 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 72.7057% | 1,363 |
Assets per employee ($millions) | 5.8283% | 2,921 |
Cash dividends to net income (ytd only)* | 86.7655% | 340 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3725% | 1,594 |
Loan loss allowance to noncurrent loans | 197.5801% | 2,680 |
Noncurrent assets plus other real estate owned to assets | 0.8512% | 541 |
Noncurrent loans to loans | 0.6946% | 1,079 |
Net loans and leases to total assets | 85.0600% | 206 |
Net loans and leases to deposits | 129.0584% | 42 |
Net loans and leases to core deposits | 141.2207% | 138 |
Total domestic deposits to total assets | 65.9000% | 4,534 |
Equity capital to assets | 15.3419% | 444 |
Core capital (leverage) ratio | 15.2141% | 540 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.6084% | 388 |
Memoranda: | ||
Average total assets | $2,401,827,600 | 465 |
Average earning assets | $2,289,147,800 | 446 |
Average equity | $393,881,800 | 310 |
Average total loans | $1,966,832,600 | 381 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7154% | 344 |
Cost of funding earning assets | 0.7272% | 228 |
Net interest margin | 3.9882% | 652 |
Noninterest income to average assets | 2.3900% | 221 |
Noninterest expense to average assets | 4.4548% | 261 |
Loan and lease loss provision to assets | 0.0400% | 1,932 |
Net operating income to assets | 1.3362% | 1,250 |
Return on assets (ROA) | 1.3478% | 1,196 |
Pretax return on assets | 1.7021% | 901 |
Return on Equity (ROE) | 8.0800% | 3,304 |
Retained earnings to average equity (ytd only) | 1.7204% | 4,079 |
Net charge-offs to loans | -0.1715% | 4,611 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 71.9540% | 1,517 |
Assets per employee ($millions) | 5.0895% | 3,603 |
Cash dividends to net income (ytd only)* | 78.7084% | 425 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3961% | 1,620 |
Loan loss allowance to noncurrent loans | 183.4792% | 2,788 |
Noncurrent assets plus other real estate owned to assets | 0.8534% | 577 |
Noncurrent loans to loans | 0.7609% | 1,064 |
Net loans and leases to total assets | 79.6200% | 562 |
Net loans and leases to deposits | 137.5442% | 22 |
Net loans and leases to core deposits | 146.9792% | 75 |
Total domestic deposits to total assets | 57.8800% | 4,631 |
Equity capital to assets | 14.6243% | 488 |
Core capital (leverage) ratio | 16.1181% | 433 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.0635% | 426 |
Memoranda: | ||
Average total assets | $2,372,825,250 | 469 |
Average earning assets | $2,259,302,750 | 451 |
Average equity | $395,781,250 | 310 |
Average total loans | $1,915,701,250 | 388 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6435% | 280 |
Cost of funding earning assets | 0.5927% | 293 |
Net interest margin | 4.0508% | 446 |
Noninterest income to average assets | 3.0239% | 154 |
Noninterest expense to average assets | 4.7807% | 185 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.6675% | 465 |
Return on assets (ROA) | 1.6855% | 436 |
Pretax return on assets | 2.1243% | 277 |
Return on Equity (ROE) | 9.6465% | 2,475 |
Retained earnings to average equity (ytd only) | 3.3368% | 3,330 |
Net charge-offs to loans | -0.2638% | 4,634 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.3907% | 2,049 |
Assets per employee ($millions) | 4.7339% | 3,903 |
Cash dividends to net income (ytd only)* | 65.4090% | 925 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4394% | 1,596 |
Loan loss allowance to noncurrent loans | 185.9479% | 2,771 |
Noncurrent assets plus other real estate owned to assets | 0.8856% | 575 |
Noncurrent loans to loans | 0.7741% | 1,103 |
Net loans and leases to total assets | 80.1878% | 387 |
Net loans and leases to deposits | 143.4954% | 12 |
Net loans and leases to core deposits | 154.7894% | 43 |
Total domestic deposits to total assets | 55.8818% | 4,708 |
Equity capital to assets | 16.0069% | 336 |
Core capital (leverage) ratio | 17.9992% | 276 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.5545% | 341 |
Memoranda: | ||
Average total assets | $2,283,284,000 | 487 |
Average earning assets | $2,174,814,000 | 469 |
Average equity | $398,943,667 | 308 |
Average total loans | $1,843,346,000 | 391 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7099% | 225 |
Cost of funding earning assets | 0.5733% | 309 |
Net interest margin | 4.1366% | 316 |
Noninterest income to average assets | 3.3110% | 144 |
Noninterest expense to average assets | 5.2634% | 158 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.6375% | 467 |
Return on assets (ROA) | 1.6375% | 466 |
Pretax return on assets | 1.9866% | 368 |
Return on Equity (ROE) | 8.9471% | 2,338 |
Retained earnings to average equity (ytd only) | 2.6582% | 3,375 |
Net charge-offs to loans | -0.3716% | 4,688 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.5252% | 1,912 |
Assets per employee ($millions) | 3.6985% | 4,503 |
Cash dividends to net income (ytd only)* | 70.2893% | 851 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6269% | 1,201 |
Loan loss allowance to noncurrent loans | 184.2625% | 2,716 |
Noncurrent assets plus other real estate owned to assets | 0.9934% | 512 |
Noncurrent loans to loans | 0.8830% | 1,054 |
Net loans and leases to total assets | 77.5980% | 405 |
Net loans and leases to deposits | 124.0215% | 29 |
Net loans and leases to core deposits | 133.9355% | 77 |
Total domestic deposits to total assets | 62.5681% | 4,717 |
Equity capital to assets | 18.1547% | 224 |
Core capital (leverage) ratio | 18.3459% | 234 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.6333% | 311 |
Memoranda: | ||
Average total assets | $2,187,019,000 | 512 |
Average earning assets | $2,082,589,500 | 497 |
Average equity | $400,265,500 | 316 |
Average total loans | $1,757,872,500 | 409 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8166% | 350 |
Cost of funding earning assets | 0.5737% | 620 |
Net interest margin | 4.2429% | 456 |
Noninterest income to average assets | 5.5301% | 101 |
Noninterest expense to average assets | 6.5477% | 112 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 2.3789% | 184 |
Return on assets (ROA) | 2.3886% | 184 |
Pretax return on assets | 3.0341% | 142 |
Return on Equity (ROE) | 14.3209% | 1,099 |
Retained earnings to average equity (ytd only) | 6.3924% | 2,179 |
Net charge-offs to loans | 0.2266% | 411 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 15.6998% | 1,997 |
Efficiency ratio | 68.3709% | 1,931 |
Assets per employee ($millions) | 3.3392% | 4,623 |
Cash dividends to net income (ytd only)* | 55.3633% | 1,269 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4899% | 1,589 |
Loan loss allowance to noncurrent loans | 207.6292% | 2,530 |
Noncurrent assets plus other real estate owned to assets | 1.2337% | 393 |
Noncurrent loans to loans | 0.7176% | 1,416 |
Net loans and leases to total assets | 80.6673% | 241 |
Net loans and leases to deposits | 128.5993% | 25 |
Net loans and leases to core deposits | 138.2564% | 72 |
Total domestic deposits to total assets | 62.7277% | 4,753 |
Equity capital to assets | 18.4504% | 237 |
Core capital (leverage) ratio | 17.5626% | 263 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.3051% | 336 |
Memoranda: | ||
Average total assets | $2,375,789,400 | 453 |
Average earning assets | $2,261,908,600 | 444 |
Average equity | $396,254,400 | 322 |
Average total loans | $2,018,321,800 | 364 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7984% | 410 |
Cost of funding earning assets | 0.5793% | 706 |
Net interest margin | 4.2191% | 520 |
Noninterest income to average assets | 5.9199% | 100 |
Noninterest expense to average assets | 6.6072% | 112 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 2.6380% | 186 |
Return on assets (ROA) | 2.6380% | 189 |
Pretax return on assets | 3.3279% | 132 |
Return on Equity (ROE) | 16.2024% | 907 |
Retained earnings to average equity (ytd only) | 7.4658% | 2,241 |
Net charge-offs to loans | 0.3166% | 246 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 12.2747% | 1,962 |
Efficiency ratio | 66.4555% | 2,039 |
Assets per employee ($millions) | 3.4416% | 4,662 |
Cash dividends to net income (ytd only)* | 53.9218% | 1,045 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3005% | 2,484 |
Loan loss allowance to noncurrent loans | 145.0058% | 2,951 |
Noncurrent assets plus other real estate owned to assets | 1.1034% | 572 |
Noncurrent loans to loans | 0.8969% | 1,285 |
Net loans and leases to total assets | 84.7278% | 95 |
Net loans and leases to deposits | 144.5677% | 14 |
Net loans and leases to core deposits | 153.9328% | 56 |
Total domestic deposits to total assets | 58.6077% | 4,846 |
Equity capital to assets | 17.0346% | 335 |
Core capital (leverage) ratio | 17.2241% | 305 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.9663% | 487 |
Memoranda: | ||
Average total assets | $2,425,450,500 | 451 |
Average earning assets | $2,308,288,500 | 441 |
Average equity | $394,895,000 | 323 |
Average total loans | $2,077,200,500 | 355 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9089% | 397 |
Cost of funding earning assets | 0.6086% | 717 |
Net interest margin | 4.3003% | 495 |
Noninterest income to average assets | 6.5729% | 90 |
Noninterest expense to average assets | 6.8020% | 108 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 3.0376% | 123 |
Return on assets (ROA) | 3.0376% | 129 |
Pretax return on assets | 3.8599% | 95 |
Return on Equity (ROE) | 18.9366% | 550 |
Retained earnings to average equity (ytd only) | 13.3005% | 668 |
Net charge-offs to loans | 0.5209% | 151 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | 8.6590% | 1,871 |
Efficiency ratio | 63.7532% | 2,462 |
Assets per employee ($millions) | 3.3195% | 4,720 |
Cash dividends to net income (ytd only)* | 29.7631% | 2,068 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3871% | 2,033 |
Loan loss allowance to noncurrent loans | 108.8719% | 3,260 |
Noncurrent assets plus other real estate owned to assets | 1.3725% | 452 |
Noncurrent loans to loans | 1.2741% | 926 |
Net loans and leases to total assets | 79.4511% | 347 |
Net loans and leases to deposits | 126.1455% | 43 |
Net loans and leases to core deposits | 134.5211% | 108 |
Total domestic deposits to total assets | 62.9837% | 4,851 |
Equity capital to assets | 17.5866% | 292 |
Core capital (leverage) ratio | 16.6211% | 326 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.0820% | 478 |
Memoranda: | ||
Average total assets | $2,451,539,000 | 441 |
Average earning assets | $2,331,070,000 | 427 |
Average equity | $393,249,000 | 320 |
Average total loans | $2,097,960,000 | 354 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8004% | 488 |
Cost of funding earning assets | 0.6426% | 726 |
Net interest margin | 4.1578% | 658 |
Noninterest income to average assets | 8.1053% | 85 |
Noninterest expense to average assets | 6.7478% | 111 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 4.1195% | 75 |
Return on assets (ROA) | 4.1195% | 77 |
Pretax return on assets | 5.3000% | 69 |
Return on Equity (ROE) | 26.8566% | 210 |
Retained earnings to average equity (ytd only) | 21.1425% | 233 |
Net charge-offs to loans | 0.1385% | 542 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | 43.5709% | 955 |
Efficiency ratio | 55.9706% | 3,552 |
Assets per employee ($millions) | 3.5656% | 4,669 |
Cash dividends to net income (ytd only)* | 21.2764% | 1,971 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3996% | 1,958 |
Loan loss allowance to noncurrent loans | 188.9020% | 2,462 |
Noncurrent assets plus other real estate owned to assets | 0.8003% | 1,117 |
Noncurrent loans to loans | 0.7409% | 1,751 |
Net loans and leases to total assets | 86.5794% | 78 |
Net loans and leases to deposits | 134.7446% | 35 |
Net loans and leases to core deposits | 144.4733% | 83 |
Total domestic deposits to total assets | 64.2544% | 4,859 |
Equity capital to assets | 16.0446% | 385 |
Core capital (leverage) ratio | 16.2046% | 365 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.9866% | 585 |
Memoranda: | ||
Average total assets | $2,528,757,500 | 428 |
Average earning assets | $2,397,784,500 | 416 |
Average equity | $387,882,000 | 321 |
Average total loans | $2,221,568,000 | 336 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1516% | 368 |
Cost of funding earning assets | 1.1443% | 344 |
Net interest margin | 4.0073% | 962 |
Noninterest income to average assets | 8.1549% | 86 |
Noninterest expense to average assets | 5.5596% | 152 |
Loan and lease loss provision to assets | 0.3953% | 803 |
Net operating income to assets | 4.4975% | 49 |
Return on assets (ROA) | 4.5073% | 49 |
Pretax return on assets | 6.0401% | 43 |
Return on Equity (ROE) | 35.9126% | 44 |
Retained earnings to average equity (ytd only) | 30.8777% | 27 |
Net charge-offs to loans | 0.0822% | 1,649 |
Credit loss provision to net charge-offs | 549.5398% | 1,178 |
Earnings coverage of net charge-offs (x) | 89.2837% | 847 |
Efficiency ratio | 46.3598% | 4,700 |
Assets per employee ($millions) | 3.9793% | 4,388 |
Cash dividends to net income (ytd only)* | 14.0199% | 3,451 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3695% | 2,107 |
Loan loss allowance to noncurrent loans | 159.5521% | 2,715 |
Noncurrent assets plus other real estate owned to assets | 0.8989% | 1,104 |
Noncurrent loans to loans | 0.8583% | 1,646 |
Net loans and leases to total assets | 86.6903% | 77 |
Net loans and leases to deposits | 131.7211% | 40 |
Net loans and leases to core deposits | 151.7812% | 81 |
Total domestic deposits to total assets | 65.8135% | 4,849 |
Equity capital to assets | 14.6646% | 642 |
Core capital (leverage) ratio | 14.6472% | 562 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.8848% | 785 |
Memoranda: | ||
Average total assets | $2,567,412,800 | 386 |
Average earning assets | $2,452,460,800 | 374 |
Average equity | $322,229,400 | 351 |
Average total loans | $2,245,844,600 | 320 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1818% | 430 |
Cost of funding earning assets | 1.2574% | 298 |
Net interest margin | 3.9244% | 1,295 |
Noninterest income to average assets | 8.3617% | 78 |
Noninterest expense to average assets | 5.3613% | 163 |
Loan and lease loss provision to assets | 0.5281% | 537 |
Net operating income to assets | 4.6224% | 45 |
Return on assets (ROA) | 4.6355% | 44 |
Pretax return on assets | 6.2431% | 42 |
Return on Equity (ROE) | 38.5734% | 34 |
Retained earnings to average equity (ytd only) | 33.3053% | 27 |
Net charge-offs to loans | 0.1209% | 1,156 |
Credit loss provision to net charge-offs | 500.0000% | 1,276 |
Earnings coverage of net charge-offs (x) | 63.9537% | 1,056 |
Efficiency ratio | 44.2125% | 4,782 |
Assets per employee ($millions) | 4.2188% | 4,127 |
Cash dividends to net income (ytd only)* | 13.6573% | 3,033 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4071% | 1,708 |
Loan loss allowance to noncurrent loans | 156.7031% | 2,626 |
Noncurrent assets plus other real estate owned to assets | 0.9256% | 1,235 |
Noncurrent loans to loans | 0.8979% | 1,664 |
Net loans and leases to total assets | 85.3922% | 183 |
Net loans and leases to deposits | 121.8071% | 99 |
Net loans and leases to core deposits | 147.5271% | 127 |
Total domestic deposits to total assets | 70.1045% | 4,754 |
Equity capital to assets | 14.0004% | 854 |
Core capital (leverage) ratio | 13.8408% | 747 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.5202% | 835 |
Memoranda: | ||
Average total assets | $2,562,621,750 | 381 |
Average earning assets | $2,451,504,000 | 365 |
Average equity | $307,959,000 | 351 |
Average total loans | $2,238,944,000 | 312 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1920% | 580 |
Cost of funding earning assets | 1.3579% | 273 |
Net interest margin | 3.8341% | 1,734 |
Noninterest income to average assets | 6.4235% | 87 |
Noninterest expense to average assets | 4.7167% | 224 |
Loan and lease loss provision to assets | 0.2062% | 1,991 |
Net operating income to assets | 3.8569% | 51 |
Return on assets (ROA) | 3.8764% | 52 |
Pretax return on assets | 5.2034% | 39 |
Return on Equity (ROE) | 34.1110% | 46 |
Retained earnings to average equity (ytd only) | 28.5565% | 34 |
Net charge-offs to loans | -0.0086% | 4,161 |
Credit loss provision to net charge-offs | -2,731.9588% | 3,967 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.6484% | 4,694 |
Assets per employee ($millions) | 4.9574% | 3,222 |
Cash dividends to net income (ytd only)* | 16.2836% | 2,888 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1368% | 2,846 |
Loan loss allowance to noncurrent loans | 93.8782% | 3,303 |
Noncurrent assets plus other real estate owned to assets | 1.2390% | 867 |
Noncurrent loans to loans | 1.2109% | 1,298 |
Net loans and leases to total assets | 85.9653% | 138 |
Net loans and leases to deposits | 120.2525% | 93 |
Net loans and leases to core deposits | 149.4848% | 109 |
Total domestic deposits to total assets | 71.4873% | 4,734 |
Equity capital to assets | 12.3652% | 1,445 |
Core capital (leverage) ratio | 11.6517% | 1,578 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.4491% | 987 |
Memoranda: | ||
Average total assets | $2,570,246,667 | 377 |
Average earning assets | $2,465,671,667 | 358 |
Average equity | $292,087,333 | 367 |
Average total loans | $2,252,026,000 | 309 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1262% | 760 |
Cost of funding earning assets | 1.4223% | 359 |
Net interest margin | 3.7039% | 2,307 |
Noninterest income to average assets | 2.2301% | 233 |
Noninterest expense to average assets | 3.7397% | 677 |
Loan and lease loss provision to assets | 0.1171% | 2,225 |
Net operating income to assets | 1.4414% | 900 |
Return on assets (ROA) | 1.4467% | 959 |
Pretax return on assets | 1.9420% | 518 |
Return on Equity (ROE) | 13.3228% | 823 |
Retained earnings to average equity (ytd only) | 7.4898% | 1,379 |
Net charge-offs to loans | -0.0091% | 4,041 |
Credit loss provision to net charge-offs | -1,470.5882% | 3,631 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4873% | 3,152 |
Assets per employee ($millions) | 5.2594% | 2,364 |
Cash dividends to net income (ytd only)* | 43.7824% | 1,789 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0520% | 3,440 |
Loan loss allowance to noncurrent loans | 146.4704% | 2,588 |
Noncurrent assets plus other real estate owned to assets | 0.7999% | 1,695 |
Noncurrent loans to loans | 0.7182% | 2,202 |
Net loans and leases to total assets | 84.8686% | 213 |
Net loans and leases to deposits | 127.1765% | 48 |
Net loans and leases to core deposits | 153.7636% | 101 |
Total domestic deposits to total assets | 66.7329% | 4,946 |
Equity capital to assets | 10.6100% | 3,223 |
Core capital (leverage) ratio | 10.9764% | 2,498 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0388% | 1,893 |
Memoranda: | ||
Average total assets | $2,561,483,500 | 363 |
Average earning assets | $2,463,365,000 | 345 |
Average equity | $278,139,000 | 383 |
Average total loans | $2,252,956,500 | 303 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5296% | 535 |
Cost of funding earning assets | 1.6916% | 198 |
Net interest margin | 3.8380% | 2,376 |
Noninterest income to average assets | 2.9423% | 155 |
Noninterest expense to average assets | 3.7940% | 676 |
Loan and lease loss provision to assets | 0.0417% | 3,181 |
Net operating income to assets | 2.1017% | 274 |
Return on assets (ROA) | 2.1017% | 287 |
Pretax return on assets | 2.8059% | 126 |
Return on Equity (ROE) | 19.6300% | 230 |
Retained earnings to average equity (ytd only) | 13.8803% | 131 |
Net charge-offs to loans | -0.0616% | 4,861 |
Credit loss provision to net charge-offs | -74.4602% | 4,192 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0529% | 4,085 |
Assets per employee ($millions) | 5.2490% | 2,286 |
Cash dividends to net income (ytd only)* | 29.2905% | 3,111 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0105% | 3,434 |
Loan loss allowance to noncurrent loans | 130.0228% | 2,837 |
Noncurrent assets plus other real estate owned to assets | 0.8708% | 1,472 |
Noncurrent loans to loans | 0.7772% | 1,958 |
Net loans and leases to total assets | 89.3282% | 57 |
Net loans and leases to deposits | 134.9944% | 33 |
Net loans and leases to core deposits | 157.3909% | 90 |
Total domestic deposits to total assets | 66.1718% | 5,025 |
Equity capital to assets | 11.1184% | 2,889 |
Core capital (leverage) ratio | 10.7667% | 2,703 |
Tier 1 risk-based capital ratio | 14.1076% | 3,211 |
Total risk-based capital ratio | 15.2950% | 3,152 |
Memoranda: | ||
Average total assets | $2,399,010,600 | 359 |
Average earning assets | $2,312,284,000 | 350 |
Average equity | $256,846,800 | 386 |
Average total loans | $2,181,463,800 | 305 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5054% | 579 |
Cost of funding earning assets | 1.7142% | 191 |
Net interest margin | 3.7912% | 2,627 |
Noninterest income to average assets | 2.8102% | 167 |
Noninterest expense to average assets | 3.7255% | 725 |
Loan and lease loss provision to assets | 0.0562% | 2,785 |
Net operating income to assets | 1.9978% | 397 |
Return on assets (ROA) | 1.9978% | 414 |
Pretax return on assets | 2.6637% | 181 |
Return on Equity (ROE) | 18.8513% | 323 |
Retained earnings to average equity (ytd only) | 12.9786% | 281 |
Net charge-offs to loans | -0.0939% | 4,976 |
Credit loss provision to net charge-offs | -65.7030% | 4,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7250% | 3,977 |
Assets per employee ($millions) | 5.3123% | 2,205 |
Cash dividends to net income (ytd only)* | 31.1526% | 2,551 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9800% | 3,684 |
Loan loss allowance to noncurrent loans | 116.4053% | 3,066 |
Noncurrent assets plus other real estate owned to assets | 0.9080% | 1,497 |
Noncurrent loans to loans | 0.8419% | 1,895 |
Net loans and leases to total assets | 89.6860% | 47 |
Net loans and leases to deposits | 125.0725% | 65 |
Net loans and leases to core deposits | 161.0998% | 84 |
Total domestic deposits to total assets | 71.7072% | 4,933 |
Equity capital to assets | 10.2989% | 3,730 |
Core capital (leverage) ratio | 10.3452% | 3,264 |
Tier 1 risk-based capital ratio | 13.2092% | 3,734 |
Total risk-based capital ratio | 14.3780% | 3,683 |
Memoranda: | ||
Average total assets | $2,372,818,500 | 363 |
Average earning assets | $2,275,191,750 | 354 |
Average equity | $251,463,250 | 393 |
Average total loans | $2,161,976,750 | 312 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4695% | 599 |
Cost of funding earning assets | 1.6883% | 190 |
Net interest margin | 3.7812% | 2,643 |
Noninterest income to average assets | 2.4105% | 209 |
Noninterest expense to average assets | 3.4785% | 985 |
Loan and lease loss provision to assets | 0.0870% | 2,111 |
Net operating income to assets | 1.8618% | 531 |
Return on assets (ROA) | 1.8618% | 553 |
Pretax return on assets | 2.4824% | 245 |
Return on Equity (ROE) | 17.3837% | 425 |
Retained earnings to average equity (ytd only) | 11.3875% | 496 |
Net charge-offs to loans | -0.1430% | 5,071 |
Credit loss provision to net charge-offs | -66.6223% | 3,846 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.4325% | 4,078 |
Assets per employee ($millions) | 5.0482% | 2,420 |
Cash dividends to net income (ytd only)* | 34.4934% | 2,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0420% | 3,382 |
Loan loss allowance to noncurrent loans | 110.9883% | 3,162 |
Noncurrent assets plus other real estate owned to assets | 1.0192% | 1,367 |
Noncurrent loans to loans | 0.9388% | 1,735 |
Net loans and leases to total assets | 89.5410% | 63 |
Net loans and leases to deposits | 125.8597% | 56 |
Net loans and leases to core deposits | 153.2486% | 119 |
Total domestic deposits to total assets | 71.1435% | 5,010 |
Equity capital to assets | 10.4929% | 3,521 |
Core capital (leverage) ratio | 10.5118% | 3,076 |
Tier 1 risk-based capital ratio | 13.1467% | 3,762 |
Total risk-based capital ratio | 14.3577% | 3,688 |
Memoranda: | ||
Average total assets | $2,299,632,000 | 376 |
Average earning assets | $2,212,166,670 | 360 |
Average equity | $246,288,670 | 399 |
Average total loans | $2,099,965,670 | 319 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4049% | 628 |
Cost of funding earning assets | 1.6123% | 219 |
Net interest margin | 3.7926% | 2,555 |
Noninterest income to average assets | 1.7128% | 308 |
Noninterest expense to average assets | 3.3054% | 1,276 |
Loan and lease loss provision to assets | 0.1793% | 926 |
Net operating income to assets | 1.4172% | 1,330 |
Return on assets (ROA) | 1.4172% | 1,359 |
Pretax return on assets | 1.8896% | 810 |
Return on Equity (ROE) | 13.0877% | 1,184 |
Retained earnings to average equity (ytd only) | 6.9728% | 2,057 |
Net charge-offs to loans | 0.0348% | 1,773 |
Credit loss provision to net charge-offs | 561.7978% | 572 |
Earnings coverage of net charge-offs (x) | 64.8090% | 882 |
Efficiency ratio | 61.4063% | 3,623 |
Assets per employee ($millions) | 4.9362% | 2,605 |
Cash dividends to net income (ytd only)* | 46.7223% | 1,716 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0194% | 3,586 |
Loan loss allowance to noncurrent loans | 87.8147% | 3,568 |
Noncurrent assets plus other real estate owned to assets | 1.3408% | 952 |
Noncurrent loans to loans | 1.1609% | 1,435 |
Net loans and leases to total assets | 90.9270% | 35 |
Net loans and leases to deposits | 115.4264% | 134 |
Net loans and leases to core deposits | 141.4613% | 175 |
Total domestic deposits to total assets | 78.7748% | 4,390 |
Equity capital to assets | 10.7480% | 3,106 |
Core capital (leverage) ratio | 10.7382% | 2,816 |
Tier 1 risk-based capital ratio | 13.9522% | 3,361 |
Total risk-based capital ratio | 15.1925% | 3,287 |
Memoranda: | ||
Average total assets | $2,230,300,000 | 389 |
Average earning assets | $2,153,232,500 | 366 |
Average equity | $241,509,000 | 406 |
Average total loans | $2,046,817,000 | 329 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3200% | 560 |
Cost of funding earning assets | 1.1987% | 347 |
Net interest margin | 4.1213% | 1,612 |
Noninterest income to average assets | 1.7932% | 314 |
Noninterest expense to average assets | 3.5894% | 885 |
Loan and lease loss provision to assets | 0.1669% | 1,210 |
Net operating income to assets | 1.5164% | 1,080 |
Return on assets (ROA) | 1.5160% | 1,063 |
Pretax return on assets | 2.0109% | 553 |
Return on Equity (ROE) | 13.0598% | 1,322 |
Retained earnings to average equity (ytd only) | 0.3878% | 4,881 |
Net charge-offs to loans | 0.0662% | 2,168 |
Credit loss provision to net charge-offs | 282.1906% | 1,076 |
Earnings coverage of net charge-offs (x) | 36.8194% | 1,406 |
Efficiency ratio | 62.1331% | 3,496 |
Assets per employee ($millions) | 4.8992% | 2,616 |
Cash dividends to net income (ytd only)* | 97.0308% | 311 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0228% | 3,541 |
Loan loss allowance to noncurrent loans | 92.6346% | 3,537 |
Noncurrent assets plus other real estate owned to assets | 1.2817% | 998 |
Noncurrent loans to loans | 1.1041% | 1,470 |
Net loans and leases to total assets | 90.7415% | 48 |
Net loans and leases to deposits | 118.0919% | 116 |
Net loans and leases to core deposits | 154.9494% | 112 |
Total domestic deposits to total assets | 76.8397% | 4,649 |
Equity capital to assets | 10.9125% | 2,779 |
Core capital (leverage) ratio | 11.1525% | 2,397 |
Tier 1 risk-based capital ratio | 14.3047% | 3,166 |
Total risk-based capital ratio | 15.5493% | 3,083 |
Memoranda: | ||
Average total assets | $2,021,584,400 | 412 |
Average earning assets | $1,949,547,600 | 399 |
Average equity | $234,674,200 | 401 |
Average total loans | $1,806,256,600 | 351 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3107% | 512 |
Cost of funding earning assets | 1.0994% | 402 |
Net interest margin | 4.2113% | 1,325 |
Noninterest income to average assets | 1.8333% | 315 |
Noninterest expense to average assets | 3.7029% | 753 |
Loan and lease loss provision to assets | 0.1767% | 1,037 |
Net operating income to assets | 1.5204% | 1,149 |
Return on assets (ROA) | 1.5200% | 1,146 |
Pretax return on assets | 2.0125% | 603 |
Return on Equity (ROE) | 12.8811% | 1,480 |
Retained earnings to average equity (ytd only) | -1.9766% | 5,195 |
Net charge-offs to loans | 0.0915% | 1,585 |
Credit loss provision to net charge-offs | 217.6617% | 1,299 |
Earnings coverage of net charge-offs (x) | 26.9735% | 1,719 |
Efficiency ratio | 62.7400% | 3,386 |
Assets per employee ($millions) | 4.4121% | 3,255 |
Cash dividends to net income (ytd only)* | 115.3447% | 172 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0628% | 3,396 |
Loan loss allowance to noncurrent loans | 91.6562% | 3,605 |
Noncurrent assets plus other real estate owned to assets | 1.3028% | 1,044 |
Noncurrent loans to loans | 1.1595% | 1,455 |
Net loans and leases to total assets | 89.7146% | 84 |
Net loans and leases to deposits | 117.6429% | 132 |
Net loans and leases to core deposits | 144.9236% | 174 |
Total domestic deposits to total assets | 76.2601% | 4,759 |
Equity capital to assets | 11.5052% | 2,257 |
Core capital (leverage) ratio | 11.4475% | 2,215 |
Tier 1 risk-based capital ratio | 14.1753% | 3,284 |
Total risk-based capital ratio | 15.3856% | 3,218 |
Memoranda: | ||
Average total assets | $1,980,722,500 | 415 |
Average earning assets | $1,909,227,750 | 403 |
Average equity | $233,732,500 | 400 |
Average total loans | $1,757,016,000 | 361 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1333% | 620 |
Cost of funding earning assets | 1.0157% | 438 |
Net interest margin | 4.1176% | 1,499 |
Noninterest income to average assets | 1.8133% | 314 |
Noninterest expense to average assets | 3.6798% | 790 |
Loan and lease loss provision to assets | 0.2400% | 654 |
Net operating income to assets | 1.4255% | 1,350 |
Return on assets (ROA) | 1.4248% | 1,356 |
Pretax return on assets | 1.8575% | 867 |
Return on Equity (ROE) | 11.9701% | 1,734 |
Retained earnings to average equity (ytd only) | -7.2071% | 5,365 |
Net charge-offs to loans | 0.1556% | 992 |
Credit loss provision to net charge-offs | 175.2424% | 1,423 |
Earnings coverage of net charge-offs (x) | 15.3229% | 2,050 |
Efficiency ratio | 63.5827% | 3,374 |
Assets per employee ($millions) | 4.3479% | 3,356 |
Cash dividends to net income (ytd only)* | 160.2093% | 116 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0792% | 3,390 |
Loan loss allowance to noncurrent loans | 80.2084% | 3,840 |
Noncurrent assets plus other real estate owned to assets | 1.4786% | 902 |
Noncurrent loans to loans | 1.3455% | 1,262 |
Net loans and leases to total assets | 89.3138% | 92 |
Net loans and leases to deposits | 117.8485% | 132 |
Net loans and leases to core deposits | 144.6560% | 158 |
Total domestic deposits to total assets | 75.7869% | 4,875 |
Equity capital to assets | 11.6235% | 2,109 |
Core capital (leverage) ratio | 11.8802% | 1,785 |
Tier 1 risk-based capital ratio | 14.0364% | 3,340 |
Total risk-based capital ratio | 15.2358% | 3,292 |
Memoranda: | ||
Average total assets | $1,958,556,000 | 420 |
Average earning assets | $1,885,833,330 | 405 |
Average equity | $233,131,330 | 402 |
Average total loans | $1,723,892,670 | 365 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0035% | 696 |
Cost of funding earning assets | 0.9849% | 395 |
Net interest margin | 4.0186% | 1,666 |
Noninterest income to average assets | 1.8723% | 295 |
Noninterest expense to average assets | 3.7407% | 717 |
Loan and lease loss provision to assets | 0.3802% | 306 |
Net operating income to assets | 1.3507% | 1,478 |
Return on assets (ROA) | 1.3493% | 1,495 |
Pretax return on assets | 1.6150% | 1,348 |
Return on Equity (ROE) | 11.2014% | 1,882 |
Retained earnings to average equity (ytd only) | -20.6355% | 5,511 |
Net charge-offs to loans | 0.3821% | 411 |
Credit loss provision to net charge-offs | 114.5511% | 1,419 |
Earnings coverage of net charge-offs (x) | 6.0167% | 2,187 |
Efficiency ratio | 65.0931% | 3,303 |
Assets per employee ($millions) | 4.1704% | 3,696 |
Cash dividends to net income (ytd only)* | 284.2217% | 88 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0972% | 3,401 |
Loan loss allowance to noncurrent loans | 88.2849% | 3,683 |
Noncurrent assets plus other real estate owned to assets | 1.4046% | 1,029 |
Noncurrent loans to loans | 1.2428% | 1,464 |
Net loans and leases to total assets | 88.0994% | 126 |
Net loans and leases to deposits | 114.1446% | 177 |
Net loans and leases to core deposits | 137.6685% | 239 |
Total domestic deposits to total assets | 77.1823% | 4,841 |
Equity capital to assets | 12.0065% | 1,783 |
Core capital (leverage) ratio | 11.7014% | 1,848 |
Tier 1 risk-based capital ratio | 14.5059% | 3,117 |
Total risk-based capital ratio | 15.7158% | 3,049 |
Memoranda: | ||
Average total assets | $1,946,503,000 | 428 |
Average earning assets | $1,872,215,500 | 410 |
Average equity | $234,470,000 | 403 |
Average total loans | $1,690,784,000 | 373 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0065% | 641 |
Cost of funding earning assets | 0.9075% | 358 |
Net interest margin | 4.0990% | 1,440 |
Noninterest income to average assets | 2.4070% | 230 |
Noninterest expense to average assets | 4.0541% | 499 |
Loan and lease loss provision to assets | 0.0482% | 3,261 |
Net operating income to assets | 1.3366% | 1,146 |
Return on assets (ROA) | 1.3438% | 1,154 |
Pretax return on assets | 2.2501% | 292 |
Return on Equity (ROE) | 11.4436% | 1,353 |
Retained earnings to average equity (ytd only) | 7.0876% | 1,043 |
Net charge-offs to loans | -0.0516% | 5,198 |
Credit loss provision to net charge-offs | -111.5023% | 4,728 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.7631% | 3,636 |
Assets per employee ($millions) | 4.2639% | 3,559 |
Cash dividends to net income (ytd only)* | 38.0651% | 2,940 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0826% | 3,435 |
Loan loss allowance to noncurrent loans | 88.0119% | 3,751 |
Noncurrent assets plus other real estate owned to assets | 1.3535% | 1,053 |
Noncurrent loans to loans | 1.2300% | 1,437 |
Net loans and leases to total assets | 83.8396% | 464 |
Net loans and leases to deposits | 129.0745% | 49 |
Net loans and leases to core deposits | 139.9725% | 214 |
Total domestic deposits to total assets | 64.9545% | 5,538 |
Equity capital to assets | 12.0830% | 1,778 |
Core capital (leverage) ratio | 11.9640% | 1,621 |
Tier 1 risk-based capital ratio | 15.0779% | 2,812 |
Total risk-based capital ratio | 16.2526% | 2,778 |
Memoranda: | ||
Average total assets | $1,972,109,000 | 413 |
Average earning assets | $1,892,725,200 | 398 |
Average equity | $231,587,200 | 394 |
Average total loans | $1,650,868,600 | 366 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9705% | 650 |
Cost of funding earning assets | 0.8882% | 374 |
Net interest margin | 4.0823% | 1,437 |
Noninterest income to average assets | 2.3785% | 241 |
Noninterest expense to average assets | 4.1310% | 440 |
Loan and lease loss provision to assets | 0.0644% | 2,785 |
Net operating income to assets | 1.2914% | 1,369 |
Return on assets (ROA) | 1.3011% | 1,368 |
Pretax return on assets | 2.1156% | 437 |
Return on Equity (ROE) | 11.1618% | 1,624 |
Retained earnings to average equity (ytd only) | 6.7606% | 1,815 |
Net charge-offs to loans | -0.0627% | 5,235 |
Credit loss provision to net charge-offs | -123.0570% | 4,542 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.4403% | 3,299 |
Assets per employee ($millions) | 4.3990% | 3,313 |
Cash dividends to net income (ytd only)* | 39.4309% | 2,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0537% | 3,765 |
Loan loss allowance to noncurrent loans | 101.1598% | 3,511 |
Noncurrent assets plus other real estate owned to assets | 1.0961% | 1,517 |
Noncurrent loans to loans | 1.0416% | 1,858 |
Net loans and leases to total assets | 83.6865% | 467 |
Net loans and leases to deposits | 130.0397% | 41 |
Net loans and leases to core deposits | 140.9943% | 194 |
Total domestic deposits to total assets | 64.3546% | 5,614 |
Equity capital to assets | 11.5587% | 2,312 |
Core capital (leverage) ratio | 11.3707% | 2,123 |
Tier 1 risk-based capital ratio | 14.1605% | 3,372 |
Total risk-based capital ratio | 15.2820% | 3,342 |
Memoranda: | ||
Average total assets | $1,966,264,500 | 416 |
Average earning assets | $1,886,855,000 | 397 |
Average equity | $229,205,500 | 398 |
Average total loans | $1,640,756,000 | 368 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9582% | 600 |
Cost of funding earning assets | 0.8489% | 407 |
Net interest margin | 4.1093% | 1,303 |
Noninterest income to average assets | 2.2620% | 263 |
Noninterest expense to average assets | 4.1425% | 444 |
Loan and lease loss provision to assets | 0.0979% | 2,048 |
Net operating income to assets | 1.2071% | 1,570 |
Return on assets (ROA) | 1.2219% | 1,567 |
Pretax return on assets | 1.9868% | 543 |
Return on Equity (ROE) | 10.4509% | 1,861 |
Retained earnings to average equity (ytd only) | 6.0028% | 2,112 |
Net charge-offs to loans | -0.0454% | 5,137 |
Credit loss provision to net charge-offs | -259.5628% | 4,521 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5908% | 3,246 |
Assets per employee ($millions) | 4.4526% | 3,190 |
Cash dividends to net income (ytd only)* | 42.5618% | 2,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0380% | 3,912 |
Loan loss allowance to noncurrent loans | 131.1456% | 3,047 |
Noncurrent assets plus other real estate owned to assets | 0.8807% | 2,013 |
Noncurrent loans to loans | 0.7915% | 2,425 |
Net loans and leases to total assets | 82.6061% | 594 |
Net loans and leases to deposits | 126.6278% | 55 |
Net loans and leases to core deposits | 139.1597% | 189 |
Total domestic deposits to total assets | 65.2354% | 5,647 |
Equity capital to assets | 11.1972% | 2,595 |
Core capital (leverage) ratio | 11.3818% | 2,061 |
Tier 1 risk-based capital ratio | 13.6735% | 3,606 |
Total risk-based capital ratio | 14.7552% | 3,613 |
Memoranda: | ||
Average total assets | $1,939,838,670 | 420 |
Average earning assets | $1,860,901,000 | 401 |
Average equity | $226,794,670 | 402 |
Average total loans | $1,610,984,000 | 375 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7818% | 779 |
Cost of funding earning assets | 0.8108% | 456 |
Net interest margin | 3.9711% | 1,548 |
Noninterest income to average assets | 2.2381% | 270 |
Noninterest expense to average assets | 4.1669% | 441 |
Loan and lease loss provision to assets | 0.1169% | 1,638 |
Net operating income to assets | 1.0842% | 1,935 |
Return on assets (ROA) | 1.0842% | 1,977 |
Pretax return on assets | 1.7629% | 876 |
Return on Equity (ROE) | 9.0639% | 2,386 |
Retained earnings to average equity (ytd only) | 4.5808% | 3,136 |
Net charge-offs to loans | 0.0056% | 2,778 |
Credit loss provision to net charge-offs | 2,500.0000% | 134 |
Earnings coverage of net charge-offs (x) | 401.8636% | 143 |
Efficiency ratio | 68.7214% | 3,094 |
Assets per employee ($millions) | 3.7619% | 4,396 |
Cash dividends to net income (ytd only)* | 49.4607% | 1,697 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0845% | 3,796 |
Loan loss allowance to noncurrent loans | 143.1272% | 2,909 |
Noncurrent assets plus other real estate owned to assets | 0.8161% | 2,256 |
Noncurrent loans to loans | 0.7577% | 2,589 |
Net loans and leases to total assets | 81.7874% | 591 |
Net loans and leases to deposits | 123.0304% | 71 |
Net loans and leases to core deposits | 132.0464% | 233 |
Total domestic deposits to total assets | 66.4774% | 5,702 |
Equity capital to assets | 11.9332% | 1,889 |
Core capital (leverage) ratio | 11.8305% | 1,732 |
Tier 1 risk-based capital ratio | 14.6573% | 3,136 |
Total risk-based capital ratio | 15.7870% | 3,111 |
Memoranda: | ||
Average total assets | $1,881,215,000 | 437 |
Average earning assets | $1,804,250,000 | 420 |
Average equity | $225,024,000 | 407 |
Average total loans | $1,557,924,500 | 383 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7382% | 985 |
Cost of funding earning assets | 0.8059% | 487 |
Net interest margin | 3.9324% | 1,846 |
Noninterest income to average assets | 4.0877% | 144 |
Noninterest expense to average assets | 5.2991% | 225 |
Loan and lease loss provision to assets | 0.0456% | 3,472 |
Net operating income to assets | 1.5778% | 715 |
Return on assets (ROA) | 1.6006% | 704 |
Pretax return on assets | 2.5506% | 188 |
Return on Equity (ROE) | 13.2295% | 944 |
Retained earnings to average equity (ytd only) | 1.8453% | 4,480 |
Net charge-offs to loans | -0.0654% | 5,466 |
Credit loss provision to net charge-offs | -84.9257% | 4,873 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.3127% | 3,383 |
Assets per employee ($millions) | 3.5752% | 4,647 |
Cash dividends to net income (ytd only)* | 86.0519% | 708 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0684% | 3,902 |
Loan loss allowance to noncurrent loans | 90.0546% | 3,826 |
Noncurrent assets plus other real estate owned to assets | 1.1745% | 1,552 |
Noncurrent loans to loans | 1.1864% | 1,729 |
Net loans and leases to total assets | 82.0620% | 600 |
Net loans and leases to deposits | 121.2552% | 81 |
Net loans and leases to core deposits | 131.4521% | 267 |
Total domestic deposits to total assets | 67.6771% | 5,725 |
Equity capital to assets | 11.9906% | 1,815 |
Core capital (leverage) ratio | 11.3950% | 2,014 |
Tier 1 risk-based capital ratio | 13.5915% | 3,711 |
Total risk-based capital ratio | 14.6171% | 3,758 |
Memoranda: | ||
Average total assets | $1,752,737,600 | 448 |
Average earning assets | $1,681,317,600 | 423 |
Average equity | $212,056,600 | 412 |
Average total loans | $1,439,788,000 | 388 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6476% | 1,194 |
Cost of funding earning assets | 0.7908% | 531 |
Net interest margin | 3.8569% | 2,132 |
Noninterest income to average assets | 3.6923% | 161 |
Noninterest expense to average assets | 5.2318% | 231 |
Loan and lease loss provision to assets | 0.0618% | 2,995 |
Net operating income to assets | 1.3206% | 1,231 |
Return on assets (ROA) | 1.3514% | 1,241 |
Pretax return on assets | 2.1476% | 425 |
Return on Equity (ROE) | 11.1432% | 1,621 |
Retained earnings to average equity (ytd only) | -2.9166% | 5,647 |
Net charge-offs to loans | -0.1123% | 5,612 |
Credit loss provision to net charge-offs | -67.2269% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.6682% | 2,797 |
Assets per employee ($millions) | 3.9429% | 4,058 |
Cash dividends to net income (ytd only)* | 126.1737% | 194 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0454% | 4,151 |
Loan loss allowance to noncurrent loans | 83.3300% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 1.3482% | 1,398 |
Noncurrent loans to loans | 1.2545% | 1,783 |
Net loans and leases to total assets | 82.0979% | 607 |
Net loans and leases to deposits | 122.1943% | 93 |
Net loans and leases to core deposits | 130.9396% | 285 |
Total domestic deposits to total assets | 67.1864% | 5,789 |
Equity capital to assets | 11.2319% | 2,760 |
Core capital (leverage) ratio | 11.2100% | 2,262 |
Tier 1 risk-based capital ratio | 12.8934% | 4,226 |
Total risk-based capital ratio | 13.9210% | 4,265 |
Memoranda: | ||
Average total assets | $1,725,254,000 | 456 |
Average earning assets | $1,655,420,750 | 432 |
Average equity | $209,234,250 | 418 |
Average total loans | $1,413,472,000 | 394 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6133% | 1,244 |
Cost of funding earning assets | 0.7842% | 533 |
Net interest margin | 3.8291% | 2,212 |
Noninterest income to average assets | 2.9836% | 203 |
Noninterest expense to average assets | 4.8971% | 284 |
Loan and lease loss provision to assets | 0.0966% | 2,224 |
Net operating income to assets | 1.0473% | 2,198 |
Return on assets (ROA) | 1.0954% | 2,098 |
Pretax return on assets | 1.7407% | 999 |
Return on Equity (ROE) | 8.7802% | 2,592 |
Retained earnings to average equity (ytd only) | 4.7598% | 2,893 |
Net charge-offs to loans | -0.0198% | 4,947 |
Credit loss provision to net charge-offs | -597.0149% | 4,971 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.4483% | 2,441 |
Assets per employee ($millions) | 3.6880% | 4,464 |
Cash dividends to net income (ytd only)* | 45.7892% | 2,151 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0963% | 3,962 |
Loan loss allowance to noncurrent loans | 97.5276% | 3,759 |
Noncurrent assets plus other real estate owned to assets | 1.3381% | 1,498 |
Noncurrent loans to loans | 1.1241% | 2,049 |
Net loans and leases to total assets | 82.0630% | 622 |
Net loans and leases to deposits | 124.4204% | 72 |
Net loans and leases to core deposits | 133.8070% | 255 |
Total domestic deposits to total assets | 65.9562% | 5,888 |
Equity capital to assets | 12.1888% | 1,980 |
Core capital (leverage) ratio | 12.2995% | 1,458 |
Tier 1 risk-based capital ratio | 14.4268% | 3,360 |
Total risk-based capital ratio | 15.5192% | 3,375 |
Memoranda: | ||
Average total assets | $1,656,338,670 | 468 |
Average earning assets | $1,589,938,670 | 443 |
Average equity | $206,645,670 | 422 |
Average total loans | $1,350,333,330 | 404 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6106% | 1,239 |
Cost of funding earning assets | 0.7818% | 536 |
Net interest margin | 3.8287% | 2,191 |
Noninterest income to average assets | 2.5601% | 244 |
Noninterest expense to average assets | 4.5185% | 389 |
Loan and lease loss provision to assets | 0.0740% | 2,482 |
Net operating income to assets | 1.0333% | 2,149 |
Return on assets (ROA) | 1.0432% | 2,225 |
Pretax return on assets | 1.6567% | 1,167 |
Return on Equity (ROE) | 8.2606% | 2,776 |
Retained earnings to average equity (ytd only) | 4.2035% | 3,375 |
Net charge-offs to loans | -0.0397% | 5,209 |
Credit loss provision to net charge-offs | -230.7692% | 4,374 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.3862% | 2,745 |
Assets per employee ($millions) | 3.7268% | 4,424 |
Cash dividends to net income (ytd only)* | 49.1133% | 1,782 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1198% | 3,947 |
Loan loss allowance to noncurrent loans | 101.6387% | 3,600 |
Noncurrent assets plus other real estate owned to assets | 1.3494% | 1,570 |
Noncurrent loans to loans | 1.1018% | 2,198 |
Net loans and leases to total assets | 80.7267% | 714 |
Net loans and leases to deposits | 120.7368% | 94 |
Net loans and leases to core deposits | 131.7130% | 245 |
Total domestic deposits to total assets | 66.8617% | 5,953 |
Equity capital to assets | 12.3796% | 1,764 |
Core capital (leverage) ratio | 12.7307% | 1,260 |
Tier 1 risk-based capital ratio | 15.0133% | 3,151 |
Total risk-based capital ratio | 16.1285% | 3,150 |
Memoranda: | ||
Average total assets | $1,621,516,000 | 474 |
Average earning assets | $1,555,810,000 | 449 |
Average equity | $204,780,500 | 420 |
Average total loans | $1,309,453,000 | 406 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5752% | 1,397 |
Cost of funding earning assets | 0.7160% | 758 |
Net interest margin | 3.8592% | 2,169 |
Noninterest income to average assets | 3.7447% | 169 |
Noninterest expense to average assets | 5.0824% | 266 |
Loan and lease loss provision to assets | -0.2418% | 6,026 |
Net operating income to assets | 1.6777% | 603 |
Return on assets (ROA) | 1.6874% | 609 |
Pretax return on assets | 2.6099% | 173 |
Return on Equity (ROE) | 12.0450% | 1,287 |
Retained earnings to average equity (ytd only) | 0.3543% | 5,373 |
Net charge-offs to loans | -0.0904% | 5,746 |
Credit loss provision to net charge-offs | 334.6266% | 894 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2577% | 3,518 |
Assets per employee ($millions) | 3.6764% | 4,513 |
Cash dividends to net income (ytd only)* | 97.0587% | 447 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1701% | 3,643 |
Loan loss allowance to noncurrent loans | 99.1140% | 3,707 |
Noncurrent assets plus other real estate owned to assets | 1.4112% | 1,486 |
Noncurrent loans to loans | 1.1806% | 1,996 |
Net loans and leases to total assets | 78.8891% | 1,008 |
Net loans and leases to deposits | 117.8088% | 121 |
Net loans and leases to core deposits | 126.0724% | 334 |
Total domestic deposits to total assets | 66.9637% | 5,997 |
Equity capital to assets | 12.8911% | 1,403 |
Core capital (leverage) ratio | 13.3115% | 1,033 |
Tier 1 risk-based capital ratio | 15.4856% | 2,936 |
Total risk-based capital ratio | 16.6151% | 2,940 |
Memoranda: | ||
Average total assets | $1,426,551,400 | 500 |
Average earning assets | $1,364,362,400 | 474 |
Average equity | $199,842,200 | 415 |
Average total loans | $1,140,345,200 | 434 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5710% | 1,408 |
Cost of funding earning assets | 0.6984% | 844 |
Net interest margin | 3.8727% | 2,121 |
Noninterest income to average assets | 3.8566% | 163 |
Noninterest expense to average assets | 5.3083% | 230 |
Loan and lease loss provision to assets | -0.3842% | 6,180 |
Net operating income to assets | 1.7133% | 605 |
Return on assets (ROA) | 1.7244% | 618 |
Pretax return on assets | 2.6495% | 193 |
Return on Equity (ROE) | 12.0359% | 1,364 |
Retained earnings to average equity (ytd only) | -2.5418% | 5,899 |
Net charge-offs to loans | -0.1270% | 5,873 |
Credit loss provision to net charge-offs | 378.4295% | 796 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1537% | 3,183 |
Assets per employee ($millions) | 3.5998% | 4,610 |
Cash dividends to net income (ytd only)* | 121.1186% | 221 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1667% | 3,835 |
Loan loss allowance to noncurrent loans | 80.8837% | 4,145 |
Noncurrent assets plus other real estate owned to assets | 1.6991% | 1,272 |
Noncurrent loans to loans | 1.4424% | 1,745 |
Net loans and leases to total assets | 79.8006% | 846 |
Net loans and leases to deposits | 120.7914% | 97 |
Net loans and leases to core deposits | 129.0203% | 294 |
Total domestic deposits to total assets | 66.0648% | 6,093 |
Equity capital to assets | 13.2478% | 1,334 |
Core capital (leverage) ratio | 13.4223% | 1,047 |
Tier 1 risk-based capital ratio | 15.5337% | 3,033 |
Total risk-based capital ratio | 16.6514% | 3,019 |
Memoranda: | ||
Average total assets | $1,387,974,250 | 513 |
Average earning assets | $1,326,051,750 | 490 |
Average equity | $198,855,000 | 419 |
Average total loans | $1,109,958,250 | 444 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5749% | 1,335 |
Cost of funding earning assets | 0.6844% | 917 |
Net interest margin | 3.8905% | 2,018 |
Noninterest income to average assets | 4.2814% | 149 |
Noninterest expense to average assets | 5.4919% | 226 |
Loan and lease loss provision to assets | -0.5941% | 6,288 |
Net operating income to assets | 2.0116% | 358 |
Return on assets (ROA) | 2.0116% | 373 |
Pretax return on assets | 3.0949% | 127 |
Return on Equity (ROE) | 13.6559% | 969 |
Retained earnings to average equity (ytd only) | -6.6298% | 6,075 |
Net charge-offs to loans | -0.1271% | 5,868 |
Credit loss provision to net charge-offs | 586.5103% | 567 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6183% | 3,569 |
Assets per employee ($millions) | 3.3992% | 4,983 |
Cash dividends to net income (ytd only)* | 148.5493% | 199 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2466% | 3,524 |
Loan loss allowance to noncurrent loans | 54.8428% | 4,868 |
Noncurrent assets plus other real estate owned to assets | 2.4625% | 775 |
Noncurrent loans to loans | 2.2730% | 1,043 |
Net loans and leases to total assets | 77.3174% | 1,163 |
Net loans and leases to deposits | 118.5102% | 111 |
Net loans and leases to core deposits | 126.0214% | 337 |
Total domestic deposits to total assets | 65.2411% | 6,188 |
Equity capital to assets | 13.9017% | 1,015 |
Core capital (leverage) ratio | 14.1193% | 810 |
Tier 1 risk-based capital ratio | 16.6763% | 2,529 |
Total risk-based capital ratio | 17.8614% | 2,512 |
Memoranda: | ||
Average total assets | $1,346,666,000 | 527 |
Average earning assets | $1,284,652,330 | 505 |
Average equity | $198,375,670 | 422 |
Average total loans | $1,073,029,000 | 452 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5346% | 1,365 |
Cost of funding earning assets | 0.6649% | 1,021 |
Net interest margin | 3.8697% | 1,999 |
Noninterest income to average assets | 3.7863% | 170 |
Noninterest expense to average assets | 5.4860% | 226 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.2926% | 1,298 |
Return on assets (ROA) | 1.2926% | 1,380 |
Pretax return on assets | 1.9887% | 600 |
Return on Equity (ROE) | 8.5150% | 2,689 |
Retained earnings to average equity (ytd only) | -24.6837% | 6,306 |
Net charge-offs to loans | 0.0756% | 1,953 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 32.7186% | 1,091 |
Efficiency ratio | 73.2919% | 2,945 |
Assets per employee ($millions) | 3.2158% | 5,386 |
Cash dividends to net income (ytd only)* | 389.8866% | 51 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5728% | 2,150 |
Loan loss allowance to noncurrent loans | 101.4271% | 3,660 |
Noncurrent assets plus other real estate owned to assets | 1.9551% | 1,225 |
Noncurrent loans to loans | 1.5507% | 1,809 |
Net loans and leases to total assets | 79.4623% | 744 |
Net loans and leases to deposits | 125.1363% | 54 |
Net loans and leases to core deposits | 129.4913% | 249 |
Total domestic deposits to total assets | 63.5006% | 6,287 |
Equity capital to assets | 14.4125% | 854 |
Core capital (leverage) ratio | 14.5565% | 677 |
Tier 1 risk-based capital ratio | 18.0785% | 2,113 |
Total risk-based capital ratio | 19.3331% | 2,063 |
Memoranda: | ||
Average total assets | $1,309,576,500 | 539 |
Average earning assets | $1,248,274,500 | 517 |
Average equity | $198,803,000 | 421 |
Average total loans | $1,053,330,000 | 460 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5441% | 1,714 |
Cost of funding earning assets | 0.5446% | 2,249 |
Net interest margin | 3.9996% | 1,899 |
Noninterest income to average assets | 3.7355% | 154 |
Noninterest expense to average assets | 5.5238% | 227 |
Loan and lease loss provision to assets | -0.4207% | 6,427 |
Net operating income to assets | 1.5825% | 733 |
Return on assets (ROA) | 1.6327% | 690 |
Pretax return on assets | 2.5120% | 185 |
Return on Equity (ROE) | 9.5431% | 2,317 |
Retained earnings to average equity (ytd only) | 2.8380% | 4,220 |
Net charge-offs to loans | -0.1051% | 6,125 |
Credit loss provision to net charge-offs | 546.4481% | 487 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1700% | 2,991 |
Assets per employee ($millions) | 3.2359% | 5,379 |
Cash dividends to net income (ytd only)* | 70.2618% | 1,277 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6739% | 1,845 |
Loan loss allowance to noncurrent loans | 103.1141% | 3,638 |
Noncurrent assets plus other real estate owned to assets | 2.0747% | 1,205 |
Noncurrent loans to loans | 1.6233% | 1,804 |
Net loans and leases to total assets | 78.7794% | 907 |
Net loans and leases to deposits | 126.6771% | 59 |
Net loans and leases to core deposits | 130.2306% | 242 |
Total domestic deposits to total assets | 62.1892% | 6,383 |
Equity capital to assets | 15.9827% | 539 |
Core capital (leverage) ratio | 15.7707% | 494 |
Tier 1 risk-based capital ratio | 22.5191% | 1,148 |
Total risk-based capital ratio | 23.7774% | 1,134 |
Memoranda: | ||
Average total assets | $1,188,550,400 | 569 |
Average earning assets | $1,129,920,800 | 549 |
Average equity | $203,350,600 | 399 |
Average total loans | $870,438,600 | 510 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5791% | 1,619 |
Cost of funding earning assets | 0.5298% | 2,468 |
Net interest margin | 4.0494% | 1,724 |
Noninterest income to average assets | 3.7540% | 156 |
Noninterest expense to average assets | 5.6295% | 218 |
Loan and lease loss provision to assets | -0.5721% | 6,544 |
Net operating income to assets | 1.6530% | 673 |
Return on assets (ROA) | 1.7213% | 614 |
Pretax return on assets | 2.6481% | 171 |
Return on Equity (ROE) | 9.8821% | 2,273 |
Retained earnings to average equity (ytd only) | 2.1052% | 5,002 |
Net charge-offs to loans | 0.1253% | 2,546 |
Credit loss provision to net charge-offs | -640.2049% | 5,800 |
Earnings coverage of net charge-offs (x) | 22.0563% | 1,649 |
Efficiency ratio | 73.9557% | 2,826 |
Assets per employee ($millions) | 2.9287% | 5,812 |
Cash dividends to net income (ytd only)* | 78.6972% | 777 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7222% | 1,906 |
Loan loss allowance to noncurrent loans | 80.0879% | 4,186 |
Noncurrent assets plus other real estate owned to assets | 2.5372% | 1,029 |
Noncurrent loans to loans | 2.1503% | 1,431 |
Net loans and leases to total assets | 76.9919% | 1,091 |
Net loans and leases to deposits | 112.2196% | 176 |
Net loans and leases to core deposits | 115.2239% | 540 |
Total domestic deposits to total assets | 68.6083% | 6,324 |
Equity capital to assets | 17.6172% | 366 |
Core capital (leverage) ratio | 17.3867% | 332 |
Tier 1 risk-based capital ratio | 21.6236% | 1,319 |
Total risk-based capital ratio | 22.8789% | 1,300 |
Memoranda: | ||
Average total assets | $1,165,338,750 | 579 |
Average earning assets | $1,106,904,750 | 551 |
Average equity | $202,987,750 | 397 |
Average total loans | $831,382,750 | 529 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5344% | 1,723 |
Cost of funding earning assets | 0.5066% | 2,766 |
Net interest margin | 4.0278% | 1,733 |
Noninterest income to average assets | 3.5775% | 157 |
Noninterest expense to average assets | 5.4453% | 241 |
Loan and lease loss provision to assets | -0.8539% | 6,628 |
Net operating income to assets | 1.8256% | 468 |
Return on assets (ROA) | 1.8820% | 438 |
Pretax return on assets | 2.8954% | 125 |
Return on Equity (ROE) | 10.8447% | 1,793 |
Retained earnings to average equity (ytd only) | 9.9393% | 728 |
Net charge-offs to loans | 0.5144% | 790 |
Credit loss provision to net charge-offs | -240.3846% | 5,430 |
Earnings coverage of net charge-offs (x) | 5.5029% | 2,914 |
Efficiency ratio | 73.4693% | 3,068 |
Assets per employee ($millions) | 3.0289% | 5,718 |
Cash dividends to net income (ytd only)* | 8.3485% | 3,503 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7171% | 2,079 |
Loan loss allowance to noncurrent loans | 72.2542% | 4,425 |
Noncurrent assets plus other real estate owned to assets | 2.5195% | 1,122 |
Noncurrent loans to loans | 2.3765% | 1,344 |
Net loans and leases to total assets | 68.4066% | 2,346 |
Net loans and leases to deposits | 107.7537% | 254 |
Net loans and leases to core deposits | 109.4207% | 717 |
Total domestic deposits to total assets | 63.4842% | 6,516 |
Equity capital to assets | 17.6446% | 351 |
Core capital (leverage) ratio | 17.3986% | 334 |
Tier 1 risk-based capital ratio | 22.9476% | 1,118 |
Total risk-based capital ratio | 24.2018% | 1,103 |
Memoranda: | ||
Average total assets | $1,171,103,670 | 575 |
Average earning assets | $1,111,422,000 | 548 |
Average equity | $203,232,670 | 392 |
Average total loans | $808,713,670 | 541 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4877% | 1,851 |
Cost of funding earning assets | 0.5027% | 2,878 |
Net interest margin | 3.9850% | 1,819 |
Noninterest income to average assets | 3.1178% | 176 |
Noninterest expense to average assets | 5.4528% | 248 |
Loan and lease loss provision to assets | -1.7197% | 6,718 |
Net operating income to assets | 2.0563% | 302 |
Return on assets (ROA) | 2.1699% | 264 |
Pretax return on assets | 3.3383% | 113 |
Return on Equity (ROE) | 12.6117% | 1,257 |
Retained earnings to average equity (ytd only) | 12.6117% | 532 |
Net charge-offs to loans | 1.2997% | 250 |
Credit loss provision to net charge-offs | -192.3817% | 4,957 |
Earnings coverage of net charge-offs (x) | 1.6152% | 3,057 |
Efficiency ratio | 78.9398% | 2,347 |
Assets per employee ($millions) | 2.7595% | 6,147 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7164% | 2,300 |
Loan loss allowance to noncurrent loans | 60.3390% | 4,831 |
Noncurrent assets plus other real estate owned to assets | 2.8439% | 1,030 |
Noncurrent loans to loans | 2.8446% | 1,151 |
Net loans and leases to total assets | 67.2216% | 2,355 |
Net loans and leases to deposits | 102.7214% | 342 |
Net loans and leases to core deposits | 104.4043% | 831 |
Total domestic deposits to total assets | 65.4407% | 6,566 |
Equity capital to assets | 17.5484% | 345 |
Core capital (leverage) ratio | 17.3846% | 334 |
Tier 1 risk-based capital ratio | 23.6393% | 1,051 |
Total risk-based capital ratio | 24.8936% | 1,035 |
Memoranda: | ||
Average total assets | $1,162,995,500 | 582 |
Average earning assets | $1,102,830,000 | 554 |
Average equity | $200,100,000 | 397 |
Average total loans | $799,873,000 | 546 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5854% | 1,916 |
Cost of funding earning assets | 0.5873% | 2,775 |
Net interest margin | 3.9981% | 1,949 |
Noninterest income to average assets | 5.1526% | 128 |
Noninterest expense to average assets | 6.3491% | 173 |
Loan and lease loss provision to assets | -0.4827% | 6,740 |
Net operating income to assets | 1.8834% | 414 |
Return on assets (ROA) | 1.9029% | 408 |
Pretax return on assets | 3.0786% | 112 |
Return on Equity (ROE) | 11.3834% | 1,642 |
Retained earnings to average equity (ytd only) | 8.4725% | 917 |
Net charge-offs to loans | 0.1204% | 3,607 |
Credit loss provision to net charge-offs | -570.2648% | 6,158 |
Earnings coverage of net charge-offs (x) | 30.3035% | 1,180 |
Efficiency ratio | 71.1266% | 3,644 |
Assets per employee ($millions) | 2.5810% | 6,343 |
Cash dividends to net income (ytd only)* | 25.5719% | 3,481 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6480% | 700 |
Loan loss allowance to noncurrent loans | 84.0313% | 4,061 |
Noncurrent assets plus other real estate owned to assets | 3.0915% | 1,010 |
Noncurrent loans to loans | 3.1512% | 1,087 |
Net loans and leases to total assets | 67.3281% | 2,468 |
Net loans and leases to deposits | 104.6350% | 302 |
Net loans and leases to core deposits | 105.7528% | 807 |
Total domestic deposits to total assets | 64.3457% | 6,660 |
Equity capital to assets | 16.8618% | 408 |
Core capital (leverage) ratio | 16.8354% | 391 |
Tier 1 risk-based capital ratio | 22.7273% | 1,142 |
Total risk-based capital ratio | 23.9923% | 1,116 |
Memoranda: | ||
Average total assets | $1,160,045,600 | 566 |
Average earning assets | $1,091,456,200 | 545 |
Average equity | $193,922,600 | 398 |
Average total loans | $815,768,400 | 511 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5935% | 1,931 |
Cost of funding earning assets | 0.6137% | 2,701 |
Net interest margin | 3.9798% | 2,010 |
Noninterest income to average assets | 5.9165% | 114 |
Noninterest expense to average assets | 6.5888% | 163 |
Loan and lease loss provision to assets | -0.6438% | 6,849 |
Net operating income to assets | 2.2806% | 224 |
Return on assets (ROA) | 2.2995% | 226 |
Pretax return on assets | 3.7391% | 86 |
Return on Equity (ROE) | 13.7857% | 1,043 |
Retained earnings to average equity (ytd only) | 13.7857% | 268 |
Net charge-offs to loans | 0.3043% | 2,015 |
Credit loss provision to net charge-offs | -299.6255% | 5,967 |
Earnings coverage of net charge-offs (x) | 14.2670% | 1,958 |
Efficiency ratio | 68.1568% | 4,067 |
Assets per employee ($millions) | 2.3726% | 6,557 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5967% | 834 |
Loan loss allowance to noncurrent loans | 64.1257% | 4,638 |
Noncurrent assets plus other real estate owned to assets | 3.8268% | 848 |
Noncurrent loans to loans | 4.0494% | 851 |
Net loans and leases to total assets | 67.9850% | 2,298 |
Net loans and leases to deposits | 100.7837% | 442 |
Net loans and leases to core deposits | 101.8627% | 997 |
Total domestic deposits to total assets | 67.4564% | 6,674 |
Equity capital to assets | 17.8036% | 341 |
Core capital (leverage) ratio | 17.7197% | 323 |
Tier 1 risk-based capital ratio | 23.8024% | 1,031 |
Total risk-based capital ratio | 25.0670% | 1,010 |
Memoranda: | ||
Average total assets | $1,159,691,250 | 565 |
Average earning assets | $1,089,248,250 | 549 |
Average equity | $193,442,250 | 396 |
Average total loans | $818,895,250 | 508 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6320% | 1,751 |
Cost of funding earning assets | 0.6451% | 2,539 |
Net interest margin | 3.9868% | 1,912 |
Noninterest income to average assets | 5.8440% | 126 |
Noninterest expense to average assets | 6.8908% | 153 |
Loan and lease loss provision to assets | -0.9561% | 6,915 |
Net operating income to assets | 2.2415% | 242 |
Return on assets (ROA) | 2.2696% | 244 |
Pretax return on assets | 3.6905% | 97 |
Return on Equity (ROE) | 13.9061% | 1,031 |
Retained earnings to average equity (ytd only) | 13.9061% | 307 |
Net charge-offs to loans | 0.3859% | 1,674 |
Credit loss provision to net charge-offs | -349.5630% | 5,837 |
Earnings coverage of net charge-offs (x) | 9.8365% | 2,230 |
Efficiency ratio | 71.8303% | 3,504 |
Assets per employee ($millions) | 2.3593% | 6,607 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5800% | 898 |
Loan loss allowance to noncurrent loans | 55.4824% | 4,985 |
Noncurrent assets plus other real estate owned to assets | 4.4724% | 737 |
Noncurrent loans to loans | 4.6501% | 741 |
Net loans and leases to total assets | 69.4335% | 1,988 |
Net loans and leases to deposits | 96.2307% | 654 |
Net loans and leases to core deposits | 97.7422% | 1,232 |
Total domestic deposits to total assets | 72.1531% | 6,553 |
Equity capital to assets | 17.3721% | 380 |
Core capital (leverage) ratio | 17.1851% | 357 |
Tier 1 risk-based capital ratio | 21.3203% | 1,418 |
Total risk-based capital ratio | 22.5831% | 1,389 |
Memoranda: | ||
Average total assets | $1,171,385,000 | 560 |
Average earning assets | $1,098,066,000 | 543 |
Average equity | $191,182,670 | 401 |
Average total loans | $830,210,670 | 499 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6610% | 1,648 |
Cost of funding earning assets | 0.6687% | 2,489 |
Net interest margin | 3.9923% | 1,822 |
Noninterest income to average assets | 7.0557% | 100 |
Noninterest expense to average assets | 6.6214% | 164 |
Loan and lease loss provision to assets | -1.8736% | 7,009 |
Net operating income to assets | 3.7169% | 71 |
Return on assets (ROA) | 3.7719% | 74 |
Pretax return on assets | 6.1333% | 50 |
Return on Equity (ROE) | 23.8314% | 146 |
Retained earnings to average equity (ytd only) | 23.8314% | 75 |
Net charge-offs to loans | 0.7223% | 845 |
Credit loss provision to net charge-offs | -366.9725% | 5,398 |
Earnings coverage of net charge-offs (x) | 8.1750% | 1,969 |
Efficiency ratio | 61.2595% | 5,412 |
Assets per employee ($millions) | 2.5304% | 6,550 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5819% | 1,029 |
Loan loss allowance to noncurrent loans | 41.0050% | 5,561 |
Noncurrent assets plus other real estate owned to assets | 6.1386% | 517 |
Noncurrent loans to loans | 6.2967% | 514 |
Net loans and leases to total assets | 67.4766% | 2,108 |
Net loans and leases to deposits | 94.9435% | 611 |
Net loans and leases to core deposits | 97.5886% | 1,108 |
Total domestic deposits to total assets | 71.0703% | 6,705 |
Equity capital to assets | 16.7903% | 448 |
Core capital (leverage) ratio | 16.5099% | 400 |
Tier 1 risk-based capital ratio | 19.4269% | 1,928 |
Total risk-based capital ratio | 20.6875% | 1,901 |
Memoranda: | ||
Average total assets | $1,195,576,000 | 555 |
Average earning assets | $1,119,843,500 | 534 |
Average equity | $189,229,500 | 411 |
Average total loans | $845,121,000 | 495 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2385% | 1,042 |
Cost of funding earning assets | 0.9525% | 1,630 |
Net interest margin | 4.2859% | 1,427 |
Noninterest income to average assets | 5.5718% | 129 |
Noninterest expense to average assets | 6.2194% | 203 |
Loan and lease loss provision to assets | 0.3328% | 2,036 |
Net operating income to assets | 1.8538% | 467 |
Return on assets (ROA) | 1.8521% | 521 |
Pretax return on assets | 3.0115% | 145 |
Return on Equity (ROE) | 13.2081% | 1,178 |
Retained earnings to average equity (ytd only) | 13.2081% | 242 |
Net charge-offs to loans | 1.8541% | 422 |
Credit loss provision to net charge-offs | 22.5619% | 5,251 |
Earnings coverage of net charge-offs (x) | 2.2691% | 4,283 |
Efficiency ratio | 64.9264% | 4,717 |
Assets per employee ($millions) | 2.7628% | 6,348 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1382% | 584 |
Loan loss allowance to noncurrent loans | 44.7321% | 5,396 |
Noncurrent assets plus other real estate owned to assets | 6.2957% | 531 |
Noncurrent loans to loans | 7.0155% | 453 |
Net loans and leases to total assets | 69.7648% | 1,890 |
Net loans and leases to deposits | 97.6144% | 529 |
Net loans and leases to core deposits | 101.3780% | 930 |
Total domestic deposits to total assets | 71.4698% | 6,717 |
Equity capital to assets | 14.9220% | 760 |
Core capital (leverage) ratio | 14.6166% | 649 |
Tier 1 risk-based capital ratio | 17.7279% | 2,372 |
Total risk-based capital ratio | 18.9965% | 2,323 |
Memoranda: | ||
Average total assets | $1,201,955,600 | 545 |
Average earning assets | $1,120,266,400 | 529 |
Average equity | $168,540,000 | 443 |
Average total loans | $956,222,000 | 435 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3781% | 870 |
Cost of funding earning assets | 1.0093% | 1,502 |
Net interest margin | 4.3688% | 1,289 |
Noninterest income to average assets | 5.3390% | 136 |
Noninterest expense to average assets | 6.0068% | 210 |
Loan and lease loss provision to assets | 0.8930% | 497 |
Net operating income to assets | 1.5407% | 957 |
Return on assets (ROA) | 1.5384% | 1,069 |
Pretax return on assets | 2.5014% | 285 |
Return on Equity (ROE) | 11.1557% | 1,904 |
Retained earnings to average equity (ytd only) | 11.1557% | 658 |
Net charge-offs to loans | 2.4317% | 259 |
Credit loss provision to net charge-offs | 45.0628% | 4,511 |
Earnings coverage of net charge-offs (x) | 1.7146% | 4,414 |
Efficiency ratio | 63.7804% | 4,844 |
Assets per employee ($millions) | 2.8720% | 6,260 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4200% | 498 |
Loan loss allowance to noncurrent loans | 38.7541% | 5,696 |
Noncurrent assets plus other real estate owned to assets | 8.1246% | 376 |
Noncurrent loans to loans | 8.8249% | 323 |
Net loans and leases to total assets | 73.6378% | 1,296 |
Net loans and leases to deposits | 99.5705% | 462 |
Net loans and leases to core deposits | 109.0356% | 605 |
Total domestic deposits to total assets | 73.9554% | 6,607 |
Equity capital to assets | 14.3662% | 1,014 |
Core capital (leverage) ratio | 14.0558% | 819 |
Tier 1 risk-based capital ratio | 16.9514% | 2,758 |
Total risk-based capital ratio | 18.2238% | 2,707 |
Memoranda: | ||
Average total assets | $1,194,387,000 | 551 |
Average earning assets | $1,111,587,000 | 538 |
Average equity | $164,706,750 | 452 |
Average total loans | $973,398,750 | 428 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5185% | 693 |
Cost of funding earning assets | 1.0628% | 1,394 |
Net interest margin | 4.4556% | 1,068 |
Noninterest income to average assets | 4.4578% | 154 |
Noninterest expense to average assets | 5.6360% | 253 |
Loan and lease loss provision to assets | 1.3495% | 291 |
Net operating income to assets | 0.9903% | 2,509 |
Return on assets (ROA) | 0.9868% | 2,755 |
Pretax return on assets | 1.6045% | 1,537 |
Return on Equity (ROE) | 7.2599% | 3,640 |
Retained earnings to average equity (ytd only) | 7.2599% | 1,975 |
Net charge-offs to loans | 2.9899% | 197 |
Credit loss provision to net charge-offs | 54.1822% | 3,950 |
Earnings coverage of net charge-offs (x) | 1.1882% | 4,413 |
Efficiency ratio | 65.4722% | 4,629 |
Assets per employee ($millions) | 2.8862% | 6,261 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7394% | 410 |
Loan loss allowance to noncurrent loans | 49.8825% | 5,126 |
Noncurrent assets plus other real estate owned to assets | 7.2697% | 514 |
Noncurrent loans to loans | 7.4964% | 488 |
Net loans and leases to total assets | 74.6462% | 1,152 |
Net loans and leases to deposits | 102.5072% | 320 |
Net loans and leases to core deposits | 107.5372% | 681 |
Total domestic deposits to total assets | 72.8204% | 6,759 |
Equity capital to assets | 13.7315% | 1,205 |
Core capital (leverage) ratio | 13.5774% | 952 |
Tier 1 risk-based capital ratio | 16.2477% | 3,034 |
Total risk-based capital ratio | 17.5252% | 2,989 |
Memoranda: | ||
Average total assets | $1,185,653,330 | 561 |
Average earning assets | $1,101,033,330 | 544 |
Average equity | $161,158,330 | 456 |
Average total loans | $987,651,000 | 425 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6319% | 591 |
Cost of funding earning assets | 1.0895% | 1,458 |
Net interest margin | 4.5425% | 936 |
Noninterest income to average assets | 3.1745% | 221 |
Noninterest expense to average assets | 5.3416% | 294 |
Loan and lease loss provision to assets | 1.6976% | 192 |
Net operating income to assets | 0.2129% | 5,947 |
Return on assets (ROA) | 0.2129% | 6,092 |
Pretax return on assets | 0.3480% | 5,861 |
Return on Equity (ROE) | 1.5744% | 6,199 |
Retained earnings to average equity (ytd only) | 1.5744% | 5,450 |
Net charge-offs to loans | 3.8522% | 153 |
Credit loss provision to net charge-offs | 51.1038% | 3,265 |
Earnings coverage of net charge-offs (x) | 0.6158% | 4,025 |
Efficiency ratio | 72.1941% | 3,405 |
Assets per employee ($millions) | 2.9143% | 6,315 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6779% | 473 |
Loan loss allowance to noncurrent loans | 50.2396% | 5,061 |
Noncurrent assets plus other real estate owned to assets | 8.0574% | 470 |
Noncurrent loans to loans | 7.3207% | 587 |
Net loans and leases to total assets | 82.2574% | 266 |
Net loans and leases to deposits | 109.8492% | 139 |
Net loans and leases to core deposits | 115.8528% | 386 |
Total domestic deposits to total assets | 74.8821% | 6,658 |
Equity capital to assets | 13.6587% | 1,168 |
Core capital (leverage) ratio | 13.4738% | 964 |
Tier 1 risk-based capital ratio | 15.2550% | 3,582 |
Total risk-based capital ratio | 16.5336% | 3,525 |
Memoranda: | ||
Average total assets | $1,178,152,500 | 565 |
Average earning assets | $1,092,626,000 | 551 |
Average equity | $159,303,500 | 459 |
Average total loans | $1,015,947,000 | 414 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2560% | 275 |
Cost of funding earning assets | 1.4781% | 778 |
Net interest margin | 4.7779% | 654 |
Noninterest income to average assets | 2.9988% | 210 |
Noninterest expense to average assets | 5.1006% | 357 |
Loan and lease loss provision to assets | 3.3251% | 96 |
Net operating income to assets | -0.6198% | 6,561 |
Return on assets (ROA) | -0.6290% | 6,606 |
Pretax return on assets | -1.0228% | 6,740 |
Return on Equity (ROE) | -5.0711% | 6,531 |
Retained earnings to average equity (ytd only) | -5.0711% | 6,452 |
Net charge-offs to loans | 1.6080% | 985 |
Credit loss provision to net charge-offs | 239.6843% | 1,011 |
Earnings coverage of net charge-offs (x) | 1.6700% | 4,516 |
Efficiency ratio | 68.6574% | 4,219 |
Assets per employee ($millions) | 3.1096% | 5,880 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.0158% | 380 |
Loan loss allowance to noncurrent loans | 158.6935% | 2,026 |
Noncurrent assets plus other real estate owned to assets | 3.8535% | 1,495 |
Noncurrent loans to loans | 2.5305% | 2,599 |
Net loans and leases to total assets | 83.5609% | 229 |
Net loans and leases to deposits | 111.3611% | 154 |
Net loans and leases to core deposits | 125.3966% | 283 |
Total domestic deposits to total assets | 75.0360% | 6,602 |
Equity capital to assets | 13.3858% | 1,330 |
Core capital (leverage) ratio | 13.2538% | 1,050 |
Tier 1 risk-based capital ratio | 15.0470% | 3,612 |
Total risk-based capital ratio | 16.3306% | 3,556 |
Memoranda: | ||
Average total assets | $1,242,050,200 | 528 |
Average earning assets | $1,148,618,000 | 516 |
Average equity | $154,067,800 | 455 |
Average total loans | $1,071,602,000 | 393 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1974% | 326 |
Cost of funding earning assets | 1.5954% | 593 |
Net interest margin | 4.6020% | 943 |
Noninterest income to average assets | 2.6304% | 251 |
Noninterest expense to average assets | 5.0027% | 372 |
Loan and lease loss provision to assets | 4.1176% | 55 |
Net operating income to assets | -1.3768% | 7,010 |
Return on assets (ROA) | -1.3657% | 7,026 |
Pretax return on assets | -2.2205% | 7,168 |
Return on Equity (ROE) | -11.2191% | 6,926 |
Retained earnings to average equity (ytd only) | -11.2191% | 6,893 |
Net charge-offs to loans | 1.6657% | 834 |
Credit loss provision to net charge-offs | 287.1309% | 997 |
Earnings coverage of net charge-offs (x) | 1.3107% | 4,633 |
Efficiency ratio | 72.5734% | 3,444 |
Assets per employee ($millions) | 3.2099% | 5,653 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9807% | 395 |
Loan loss allowance to noncurrent loans | 164.2487% | 1,855 |
Noncurrent assets plus other real estate owned to assets | 3.4890% | 1,807 |
Noncurrent loans to loans | 2.4236% | 2,855 |
Net loans and leases to total assets | 83.7909% | 234 |
Net loans and leases to deposits | 125.5132% | 63 |
Net loans and leases to core deposits | 131.1768% | 235 |
Total domestic deposits to total assets | 66.7586% | 7,177 |
Equity capital to assets | 12.4535% | 1,947 |
Core capital (leverage) ratio | 12.3258% | 1,525 |
Tier 1 risk-based capital ratio | 13.9990% | 4,351 |
Total risk-based capital ratio | 15.2823% | 4,302 |
Memoranda: | ||
Average total assets | $1,256,377,000 | 529 |
Average earning assets | $1,160,820,750 | 509 |
Average equity | $152,938,000 | 465 |
Average total loans | $1,081,652,250 | 394 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2302% | 315 |
Cost of funding earning assets | 1.6949% | 475 |
Net interest margin | 4.5353% | 1,043 |
Noninterest income to average assets | 2.3784% | 288 |
Noninterest expense to average assets | 5.6629% | 243 |
Loan and lease loss provision to assets | 6.1378% | 29 |
Net operating income to assets | -3.2261% | 7,332 |
Return on assets (ROA) | -3.1447% | 7,328 |
Pretax return on assets | -5.1130% | 7,438 |
Return on Equity (ROE) | -26.0282% | 7,206 |
Retained earnings to average equity (ytd only) | -26.0282% | 7,197 |
Net charge-offs to loans | 4.8414% | 137 |
Credit loss provision to net charge-offs | 147.9109% | 2,067 |
Earnings coverage of net charge-offs (x) | 0.2163% | 5,149 |
Efficiency ratio | 86.1979% | 1,586 |
Assets per employee ($millions) | 3.1941% | 5,653 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9015% | 980 |
Loan loss allowance to noncurrent loans | 127.7425% | 2,310 |
Noncurrent assets plus other real estate owned to assets | 3.5981% | 1,824 |
Noncurrent loans to loans | 2.2714% | 3,138 |
Net loans and leases to total assets | 83.3201% | 283 |
Net loans and leases to deposits | 115.5381% | 115 |
Net loans and leases to core deposits | 117.5725% | 487 |
Total domestic deposits to total assets | 72.1149% | 6,997 |
Equity capital to assets | 11.9385% | 2,134 |
Core capital (leverage) ratio | 11.7372% | 1,757 |
Tier 1 risk-based capital ratio | 13.4427% | 4,570 |
Total risk-based capital ratio | 14.7125% | 4,538 |
Memoranda: | ||
Average total assets | $1,264,301,670 | 525 |
Average earning assets | $1,165,837,000 | 514 |
Average equity | $152,750,000 | 464 |
Average total loans | $1,083,660,670 | 405 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1433% | 372 |
Cost of funding earning assets | 1.7472% | 450 |
Net interest margin | 4.3961% | 1,290 |
Noninterest income to average assets | 2.6111% | 255 |
Noninterest expense to average assets | 7.1302% | 141 |
Loan and lease loss provision to assets | 12.1402% | 3 |
Net operating income to assets | -7.7584% | 7,537 |
Return on assets (ROA) | -7.6380% | 7,534 |
Pretax return on assets | -12.4193% | 7,564 |
Return on Equity (ROE) | -62.8591% | 7,447 |
Retained earnings to average equity (ytd only) | -62.8591% | 7,438 |
Net charge-offs to loans | 10.6098% | 33 |
Credit loss provision to net charge-offs | 133.5720% | 2,075 |
Earnings coverage of net charge-offs (x) | -0.0514% | 4,618 |
Efficiency ratio | 106.8936% | 561 |
Assets per employee ($millions) | 3.1836% | 5,752 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3199% | 1,730 |
Loan loss allowance to noncurrent loans | 109.2631% | 2,653 |
Noncurrent assets plus other real estate owned to assets | 3.5616% | 1,908 |
Noncurrent loans to loans | 2.1232% | 3,416 |
Net loans and leases to total assets | 81.1537% | 429 |
Net loans and leases to deposits | 114.2676% | 127 |
Net loans and leases to core deposits | 116.2013% | 523 |
Total domestic deposits to total assets | 71.0208% | 7,133 |
Equity capital to assets | 11.5002% | 2,270 |
Core capital (leverage) ratio | 11.2893% | 1,963 |
Tier 1 risk-based capital ratio | 12.8882% | 4,915 |
Total risk-based capital ratio | 14.1500% | 4,888 |
Memoranda: | ||
Average total assets | $1,278,395,500 | 523 |
Average earning assets | $1,178,317,500 | 516 |
Average equity | $155,338,000 | 459 |
Average total loans | $1,095,136,500 | 402 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1618% | 617 |
Cost of funding earning assets | 2.0369% | 525 |
Net interest margin | 4.1249% | 2,464 |
Noninterest income to average assets | 3.2485% | 213 |
Noninterest expense to average assets | 4.6815% | 557 |
Loan and lease loss provision to assets | 2.2665% | 538 |
Net operating income to assets | 0.0922% | 5,606 |
Return on assets (ROA) | 0.2168% | 5,378 |
Pretax return on assets | 0.3379% | 5,116 |
Return on Equity (ROE) | 1.8247% | 5,459 |
Retained earnings to average equity (ytd only) | 0.6336% | 5,261 |
Net charge-offs to loans | 2.4995% | 751 |
Credit loss provision to net charge-offs | 102.8386% | 4,391 |
Earnings coverage of net charge-offs (x) | 1.0934% | 5,020 |
Efficiency ratio | 65.9182% | 4,982 |
Assets per employee ($millions) | 3.2236% | 5,617 |
Cash dividends to net income (ytd only)* | 65.2742% | 1,408 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5821% | 3,654 |
Loan loss allowance to noncurrent loans | 54.3617% | 4,756 |
Noncurrent assets plus other real estate owned to assets | 5.0322% | 1,267 |
Noncurrent loans to loans | 2.9102% | 2,620 |
Net loans and leases to total assets | 86.7223% | 146 |
Net loans and leases to deposits | 125.6822% | 90 |
Net loans and leases to core deposits | 130.2841% | 329 |
Total domestic deposits to total assets | 69.0013% | 7,286 |
Equity capital to assets | 12.7684% | 1,500 |
Core capital (leverage) ratio | 12.5701% | 1,284 |
Tier 1 risk-based capital ratio | 12.9709% | 4,618 |
Total risk-based capital ratio | 14.2232% | 4,590 |
Memoranda: | ||
Average total assets | $1,413,000,000 | 477 |
Average earning assets | $1,316,342,800 | 467 |
Average equity | $167,921,400 | 412 |
Average total loans | $1,245,934,800 | 366 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1281% | 722 |
Cost of funding earning assets | 2.0615% | 607 |
Net interest margin | 4.0666% | 2,781 |
Noninterest income to average assets | 3.2469% | 204 |
Noninterest expense to average assets | 4.3940% | 664 |
Loan and lease loss provision to assets | 1.9931% | 598 |
Net operating income to assets | 0.4092% | 4,714 |
Return on assets (ROA) | 0.5558% | 4,238 |
Pretax return on assets | 0.8846% | 3,603 |
Return on Equity (ROE) | 4.7580% | 4,421 |
Retained earnings to average equity (ytd only) | 3.1710% | 4,205 |
Net charge-offs to loans | 1.9822% | 957 |
Credit loss provision to net charge-offs | 114.0160% | 3,668 |
Earnings coverage of net charge-offs (x) | 1.5151% | 4,590 |
Efficiency ratio | 62.2930% | 5,566 |
Assets per employee ($millions) | 3.5537% | 4,842 |
Cash dividends to net income (ytd only)* | 33.3556% | 2,386 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4280% | 4,317 |
Loan loss allowance to noncurrent loans | 78.0727% | 3,450 |
Noncurrent assets plus other real estate owned to assets | 4.3132% | 1,578 |
Noncurrent loans to loans | 1.8290% | 3,897 |
Net loans and leases to total assets | 86.2766% | 183 |
Net loans and leases to deposits | 128.8944% | 72 |
Net loans and leases to core deposits | 140.9875% | 252 |
Total domestic deposits to total assets | 66.9359% | 7,432 |
Equity capital to assets | 12.0489% | 2,129 |
Core capital (leverage) ratio | 11.8631% | 1,733 |
Tier 1 risk-based capital ratio | 12.9095% | 4,644 |
Total risk-based capital ratio | 14.1609% | 4,628 |
Memoranda: | ||
Average total assets | $1,438,250,000 | 464 |
Average earning assets | $1,342,441,500 | 452 |
Average equity | $168,021,250 | 404 |
Average total loans | $1,268,396,750 | 357 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1515% | 687 |
Cost of funding earning assets | 2.0717% | 730 |
Net interest margin | 4.0798% | 2,654 |
Noninterest income to average assets | 2.8856% | 227 |
Noninterest expense to average assets | 4.1402% | 872 |
Loan and lease loss provision to assets | 2.2818% | 512 |
Net operating income to assets | 0.1879% | 5,603 |
Return on assets (ROA) | 0.4099% | 4,871 |
Pretax return on assets | 0.6208% | 4,499 |
Return on Equity (ROE) | 3.5450% | 4,998 |
Retained earnings to average equity (ytd only) | 1.1530% | 5,291 |
Net charge-offs to loans | 2.6557% | 626 |
Credit loss provision to net charge-offs | 97.1903% | 4,207 |
Earnings coverage of net charge-offs (x) | 1.0931% | 4,701 |
Efficiency ratio | 61.6311% | 5,752 |
Assets per employee ($millions) | 3.6993% | 4,471 |
Cash dividends to net income (ytd only)* | 67.4764% | 1,086 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3868% | 4,487 |
Loan loss allowance to noncurrent loans | 72.4805% | 3,730 |
Noncurrent assets plus other real estate owned to assets | 3.5169% | 1,992 |
Noncurrent loans to loans | 1.9133% | 3,852 |
Net loans and leases to total assets | 88.4856% | 111 |
Net loans and leases to deposits | 141.8217% | 44 |
Net loans and leases to core deposits | 152.2739% | 204 |
Total domestic deposits to total assets | 62.3921% | 7,618 |
Equity capital to assets | 11.9875% | 2,102 |
Core capital (leverage) ratio | 11.8081% | 1,753 |
Tier 1 risk-based capital ratio | 13.7706% | 3,897 |
Total risk-based capital ratio | 15.0231% | 3,860 |
Memoranda: | ||
Average total assets | $1,446,203,000 | 462 |
Average earning assets | $1,354,440,330 | 451 |
Average equity | $167,222,000 | 409 |
Average total loans | $1,278,540,330 | 357 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9768% | 1,024 |
Cost of funding earning assets | 2.0979% | 815 |
Net interest margin | 3.8790% | 3,414 |
Noninterest income to average assets | 2.2707% | 285 |
Noninterest expense to average assets | 3.5416% | 1,875 |
Loan and lease loss provision to assets | 1.3587% | 878 |
Net operating income to assets | 0.6311% | 3,753 |
Return on assets (ROA) | 0.9033% | 2,602 |
Pretax return on assets | 1.4359% | 1,677 |
Return on Equity (ROE) | 7.9501% | 2,906 |
Retained earnings to average equity (ytd only) | 3.1667% | 4,244 |
Net charge-offs to loans | 2.7258% | 588 |
Credit loss provision to net charge-offs | 56.7859% | 4,369 |
Earnings coverage of net charge-offs (x) | 0.9902% | 4,177 |
Efficiency ratio | 59.8014% | 6,212 |
Assets per employee ($millions) | 3.8967% | 4,104 |
Cash dividends to net income (ytd only)* | 60.1685% | 1,252 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1144% | 5,941 |
Loan loss allowance to noncurrent loans | 43.2131% | 5,472 |
Noncurrent assets plus other real estate owned to assets | 3.9522% | 1,749 |
Noncurrent loans to loans | 2.5789% | 3,093 |
Net loans and leases to total assets | 87.6401% | 138 |
Net loans and leases to deposits | 143.6273% | 49 |
Net loans and leases to core deposits | 176.4195% | 142 |
Total domestic deposits to total assets | 61.0192% | 7,738 |
Equity capital to assets | 11.6663% | 2,252 |
Core capital (leverage) ratio | 11.4774% | 1,925 |
Tier 1 risk-based capital ratio | 13.6884% | 3,874 |
Total risk-based capital ratio | 14.8692% | 3,876 |
Memoranda: | ||
Average total assets | $1,471,993,000 | 474 |
Average earning assets | $1,381,404,500 | 463 |
Average equity | $167,242,500 | 413 |
Average total loans | $1,292,113,500 | 368 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1518% | 1,371 |
Cost of funding earning assets | 2.5754% | 840 |
Net interest margin | 3.5764% | 4,632 |
Noninterest income to average assets | 2.2406% | 317 |
Noninterest expense to average assets | 3.3637% | 2,795 |
Loan and lease loss provision to assets | 1.3044% | 1,767 |
Net operating income to assets | 0.6226% | 3,240 |
Return on assets (ROA) | 1.1832% | 1,337 |
Pretax return on assets | 1.8392% | 584 |
Return on Equity (ROE) | 11.1868% | 1,382 |
Retained earnings to average equity (ytd only) | 6.2535% | 1,249 |
Net charge-offs to loans | 0.9729% | 2,461 |
Credit loss provision to net charge-offs | 151.7220% | 3,039 |
Earnings coverage of net charge-offs (x) | 2.6376% | 3,798 |
Efficiency ratio | 59.6153% | 6,539 |
Assets per employee ($millions) | 4.1491% | 3,517 |
Cash dividends to net income (ytd only)* | 44.0990% | 2,736 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3877% | 4,295 |
Loan loss allowance to noncurrent loans | 71.6589% | 3,831 |
Noncurrent assets plus other real estate owned to assets | 2.6086% | 2,694 |
Noncurrent loans to loans | 1.9365% | 3,748 |
Net loans and leases to total assets | 85.7634% | 295 |
Net loans and leases to deposits | 146.9091% | 47 |
Net loans and leases to core deposits | 167.0943% | 263 |
Total domestic deposits to total assets | 58.3786% | 7,825 |
Equity capital to assets | 11.0707% | 2,652 |
Core capital (leverage) ratio | 10.8692% | 2,303 |
Tier 1 risk-based capital ratio | 12.9378% | 4,183 |
Total risk-based capital ratio | 14.1902% | 4,133 |
Memoranda: | ||
Average total assets | $1,533,235,800 | 450 |
Average earning assets | $1,453,664,400 | 432 |
Average equity | $162,164,600 | 428 |
Average total loans | $1,354,930,000 | 365 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1331% | 1,549 |
Cost of funding earning assets | 2.6821% | 828 |
Net interest margin | 3.4510% | 5,072 |
Noninterest income to average assets | 2.1827% | 323 |
Noninterest expense to average assets | 3.2673% | 3,045 |
Loan and lease loss provision to assets | 0.9523% | 2,020 |
Net operating income to assets | 0.7668% | 2,954 |
Return on assets (ROA) | 1.3399% | 1,204 |
Pretax return on assets | 2.1366% | 410 |
Return on Equity (ROE) | 12.8146% | 1,145 |
Retained earnings to average equity (ytd only) | 7.8464% | 1,179 |
Net charge-offs to loans | 0.7993% | 2,365 |
Credit loss provision to net charge-offs | 134.3101% | 3,708 |
Earnings coverage of net charge-offs (x) | 3.0936% | 3,690 |
Efficiency ratio | 59.7121% | 6,454 |
Assets per employee ($millions) | 4.1872% | 3,397 |
Cash dividends to net income (ytd only)* | 38.7697% | 2,498 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0707% | 5,895 |
Loan loss allowance to noncurrent loans | 52.4877% | 4,820 |
Noncurrent assets plus other real estate owned to assets | 2.4308% | 2,836 |
Noncurrent loans to loans | 2.0400% | 3,579 |
Net loans and leases to total assets | 85.8808% | 349 |
Net loans and leases to deposits | 143.9203% | 66 |
Net loans and leases to core deposits | 162.2523% | 352 |
Total domestic deposits to total assets | 59.6725% | 7,884 |
Equity capital to assets | 10.8783% | 3,138 |
Core capital (leverage) ratio | 10.6178% | 2,696 |
Tier 1 risk-based capital ratio | 12.3681% | 4,655 |
Total risk-based capital ratio | 13.4549% | 4,733 |
Memoranda: | ||
Average total assets | $1,540,016,500 | 458 |
Average earning assets | $1,462,932,250 | 441 |
Average equity | $161,021,250 | 440 |
Average total loans | $1,366,194,750 | 377 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0888% | 1,825 |
Cost of funding earning assets | 2.8214% | 743 |
Net interest margin | 3.2674% | 5,676 |
Noninterest income to average assets | 1.9888% | 377 |
Noninterest expense to average assets | 3.3114% | 2,911 |
Loan and lease loss provision to assets | 0.6489% | 2,488 |
Net operating income to assets | 0.6751% | 3,367 |
Return on assets (ROA) | 1.2006% | 1,557 |
Pretax return on assets | 1.9525% | 629 |
Return on Equity (ROE) | 11.6385% | 1,522 |
Retained earnings to average equity (ytd only) | 6.6062% | 1,747 |
Net charge-offs to loans | 0.4886% | 2,871 |
Credit loss provision to net charge-offs | 148.6326% | 3,108 |
Earnings coverage of net charge-offs (x) | 4.0782% | 3,226 |
Efficiency ratio | 64.9063% | 5,738 |
Assets per employee ($millions) | 4.3992% | 2,935 |
Cash dividends to net income (ytd only)* | 43.2386% | 2,295 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9587% | 6,512 |
Loan loss allowance to noncurrent loans | 43.8757% | 5,444 |
Noncurrent assets plus other real estate owned to assets | 2.6628% | 2,410 |
Noncurrent loans to loans | 2.1850% | 3,272 |
Net loans and leases to total assets | 86.4691% | 334 |
Net loans and leases to deposits | 144.8495% | 69 |
Net loans and leases to core deposits | 162.1606% | 418 |
Total domestic deposits to total assets | 59.6958% | 7,938 |
Equity capital to assets | 10.2234% | 3,697 |
Core capital (leverage) ratio | 9.9773% | 3,321 |
Tier 1 risk-based capital ratio | 10.9671% | 5,904 |
Total risk-based capital ratio | 11.8904% | 6,177 |
Memoranda: | ||
Average total assets | $1,541,117,330 | 472 |
Average earning assets | $1,463,543,330 | 452 |
Average equity | $158,972,330 | 449 |
Average total loans | $1,376,917,670 | 385 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0797% | 2,023 |
Cost of funding earning assets | 2.9200% | 733 |
Net interest margin | 3.1597% | 5,987 |
Noninterest income to average assets | 0.8008% | 2,318 |
Noninterest expense to average assets | 2.9684% | 3,897 |
Loan and lease loss provision to assets | 0.2640% | 3,849 |
Net operating income to assets | 0.3115% | 5,257 |
Return on assets (ROA) | 1.2876% | 1,509 |
Pretax return on assets | 2.0939% | 546 |
Return on Equity (ROE) | 12.4238% | 1,536 |
Retained earnings to average equity (ytd only) | 7.3300% | 2,086 |
Net charge-offs to loans | 0.3439% | 2,710 |
Credit loss provision to net charge-offs | 84.8896% | 4,107 |
Earnings coverage of net charge-offs (x) | 2.6783% | 3,418 |
Efficiency ratio | 77.9182% | 3,177 |
Assets per employee ($millions) | 4.5179% | 2,691 |
Cash dividends to net income (ytd only)* | 41.0004% | 2,041 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8500% | 6,968 |
Loan loss allowance to noncurrent loans | 63.7021% | 4,387 |
Noncurrent assets plus other real estate owned to assets | 1.8427% | 3,156 |
Noncurrent loans to loans | 1.3343% | 4,315 |
Net loans and leases to total assets | 88.8019% | 208 |
Net loans and leases to deposits | 154.7125% | 57 |
Net loans and leases to core deposits | 174.6526% | 289 |
Total domestic deposits to total assets | 57.3980% | 8,018 |
Equity capital to assets | 10.3900% | 3,569 |
Core capital (leverage) ratio | 9.8704% | 3,561 |
Tier 1 risk-based capital ratio | 10.7000% | 6,186 |
Total risk-based capital ratio | 11.5301% | 6,538 |
Memoranda: | ||
Average total assets | $1,515,415,000 | 479 |
Average earning assets | $1,439,018,000 | 464 |
Average equity | $157,053,500 | 453 |
Average total loans | $1,370,192,500 | 388 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4817% | 3,052 |
Cost of funding earning assets | 3.6074% | 380 |
Net interest margin | 2.8743% | 7,203 |
Noninterest income to average assets | 0.3695% | 5,745 |
Noninterest expense to average assets | 2.6042% | 5,634 |
Loan and lease loss provision to assets | 0.4782% | 2,912 |
Net operating income to assets | 0.0135% | 6,331 |
Return on assets (ROA) | 0.7935% | 3,305 |
Pretax return on assets | 1.2432% | 2,504 |
Return on Equity (ROE) | 7.8005% | 3,150 |
Retained earnings to average equity (ytd only) | 1.3169% | 4,425 |
Net charge-offs to loans | 0.1781% | 4,415 |
Credit loss provision to net charge-offs | 296.5235% | 1,527 |
Earnings coverage of net charge-offs (x) | 3.1170% | 4,532 |
Efficiency ratio | 83.6079% | 2,104 |
Assets per employee ($millions) | 4.6413% | 2,416 |
Cash dividends to net income (ytd only)* | 83.1172% | 1,567 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8625% | 6,838 |
Loan loss allowance to noncurrent loans | 77.4008% | 4,228 |
Noncurrent assets plus other real estate owned to assets | 1.6360% | 2,974 |
Noncurrent loans to loans | 1.1144% | 4,320 |
Net loans and leases to total assets | 90.4966% | 163 |
Net loans and leases to deposits | 161.6035% | 60 |
Net loans and leases to core deposits | 182.6583% | 262 |
Total domestic deposits to total assets | 55.9992% | 8,056 |
Equity capital to assets | 10.3371% | 3,678 |
Core capital (leverage) ratio | 9.8132% | 3,633 |
Tier 1 risk-based capital ratio | 11.3196% | 5,418 |
Total risk-based capital ratio | 12.2330% | 5,643 |
Memoranda: | ||
Average total assets | $1,516,036,600 | 462 |
Average earning assets | $1,443,840,800 | 442 |
Average equity | $154,221,600 | 457 |
Average total loans | $1,373,089,000 | 381 |