Home > North Valley Bank > Performance and Condition Ratios
North Valley Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4554% | 366 |
Cost of funding earning assets | 1.6678% | 1,521 |
Net interest margin | 4.7876% | 424 |
Noninterest income to average assets | 0.2300% | 3,570 |
Noninterest expense to average assets | 2.1878% | 3,161 |
Loan and lease loss provision to assets | 0.0400% | 2,313 |
Net operating income to assets | 2.6603% | 213 |
Return on assets (ROA) | 2.6603% | 212 |
Pretax return on assets | 2.6603% | 291 |
Return on Equity (ROE) | 23.2300% | 392 |
Retained earnings to average equity (ytd only) | 7.7300% | 1,614 |
Net charge-offs to loans | 0.0009% | 2,845 |
Credit loss provision to net charge-offs | 5,000.0000% | 107 |
Earnings coverage of net charge-offs (x) | 3,352.0000% | 35 |
Efficiency ratio | 44.7548% | 4,233 |
Assets per employee ($millions) | 8.3405% | 1,256 |
Cash dividends to net income (ytd only)* | 66.7171% | 941 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3885% | 1,420 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 84.3800% | 246 |
Net loans and leases to deposits | 101.2549% | 469 |
Net loans and leases to core deposits | 117.0964% | 712 |
Total domestic deposits to total assets | 83.3400% | 2,796 |
Equity capital to assets | 11.4764% | 1,295 |
Core capital (leverage) ratio | 11.8537% | 1,489 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $248,243,400 | 2,696 |
Average earning assets | $241,331,200 | 2,621 |
Average equity | $28,434,600 | 2,346 |
Average total loans | $211,221,600 | 2,222 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2994% | 369 |
Cost of funding earning assets | 1.5239% | 1,546 |
Net interest margin | 4.7755% | 424 |
Noninterest income to average assets | 0.2400% | 3,510 |
Noninterest expense to average assets | 2.2176% | 3,031 |
Loan and lease loss provision to assets | 0.0500% | 1,947 |
Net operating income to assets | 2.6105% | 238 |
Return on assets (ROA) | 2.6105% | 234 |
Pretax return on assets | 2.6105% | 340 |
Return on Equity (ROE) | 22.8000% | 503 |
Retained earnings to average equity (ytd only) | 7.2247% | 2,217 |
Net charge-offs to loans | 0.0006% | 2,633 |
Credit loss provision to net charge-offs | 10,000.0000% | 52 |
Earnings coverage of net charge-offs (x) | 4,910.0000% | 12 |
Efficiency ratio | 45.4202% | 4,164 |
Assets per employee ($millions) | 7.4068% | 1,693 |
Cash dividends to net income (ytd only)* | 68.3160% | 701 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4309% | 1,328 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 84.0600% | 275 |
Net loans and leases to deposits | 99.5093% | 542 |
Net loans and leases to core deposits | 114.4739% | 713 |
Total domestic deposits to total assets | 84.4800% | 2,648 |
Equity capital to assets | 11.5136% | 1,175 |
Core capital (leverage) ratio | 11.8479% | 1,509 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $245,665,250 | 2,714 |
Average earning assets | $238,768,500 | 2,639 |
Average equity | $28,125,000 | 2,344 |
Average total loans | $208,713,750 | 2,234 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0791% | 407 |
Cost of funding earning assets | 1.3964% | 1,456 |
Net interest margin | 4.6827% | 471 |
Noninterest income to average assets | 0.2500% | 3,420 |
Noninterest expense to average assets | 2.1773% | 3,145 |
Loan and lease loss provision to assets | 0.0800% | 1,369 |
Net operating income to assets | 2.5344% | 236 |
Return on assets (ROA) | 2.5344% | 231 |
Pretax return on assets | 2.5344% | 339 |
Return on Equity (ROE) | 22.1800% | 532 |
Retained earnings to average equity (ytd only) | 5.9996% | 2,621 |
Net charge-offs to loans | 0.0010% | 2,395 |
Credit loss provision to net charge-offs | 10,000.0000% | 53 |
Earnings coverage of net charge-offs (x) | 3,187.0000% | 33 |
Efficiency ratio | 45.4187% | 4,193 |
Assets per employee ($millions) | 7.7886% | 1,422 |
Cash dividends to net income (ytd only)* | 72.9511% | 680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4854% | 1,224 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 81.7700% | 449 |
Net loans and leases to deposits | 96.6194% | 699 |
Net loans and leases to core deposits | 110.6085% | 801 |
Total domestic deposits to total assets | 84.6300% | 2,651 |
Equity capital to assets | 11.3563% | 1,244 |
Core capital (leverage) ratio | 11.6953% | 1,511 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $243,609,667 | 2,727 |
Average earning assets | $236,613,333 | 2,666 |
Average equity | $27,835,000 | 2,369 |
Average total loans | $206,696,667 | 2,244 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9271% | 340 |
Cost of funding earning assets | 1.2322% | 1,375 |
Net interest margin | 4.6948% | 445 |
Noninterest income to average assets | 0.2500% | 3,431 |
Noninterest expense to average assets | 2.2060% | 3,086 |
Loan and lease loss provision to assets | 0.1200% | 916 |
Net operating income to assets | 2.4818% | 246 |
Return on assets (ROA) | 2.4818% | 244 |
Pretax return on assets | 2.4818% | 366 |
Return on Equity (ROE) | 21.6500% | 610 |
Retained earnings to average equity (ytd only) | 4.1883% | 3,214 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 45.8405% | 4,227 |
Assets per employee ($millions) | 7.6569% | 1,528 |
Cash dividends to net income (ytd only)* | 80.6560% | 626 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5110% | 1,220 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 81.1100% | 446 |
Net loans and leases to deposits | 96.1782% | 640 |
Net loans and leases to core deposits | 109.4374% | 720 |
Total domestic deposits to total assets | 84.3300% | 3,020 |
Equity capital to assets | 11.3272% | 1,215 |
Core capital (leverage) ratio | 11.3586% | 1,629 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $240,796,500 | 2,785 |
Average earning assets | $234,044,500 | 2,712 |
Average equity | $27,600,500 | 2,415 |
Average total loans | $206,606,000 | 2,259 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2745% | 200 |
Cost of funding earning assets | 0.1785% | 3,924 |
Net interest margin | 5.0960% | 125 |
Noninterest income to average assets | 0.2500% | 3,641 |
Noninterest expense to average assets | 2.2555% | 2,876 |
Loan and lease loss provision to assets | 0.2100% | 483 |
Net operating income to assets | 2.7337% | 129 |
Return on assets (ROA) | 2.7337% | 126 |
Pretax return on assets | 2.7337% | 159 |
Return on Equity (ROE) | 23.9300% | 248 |
Retained earnings to average equity (ytd only) | 8.3421% | 1,703 |
Net charge-offs to loans | -0.0847% | 4,484 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 43.4143% | 4,444 |
Assets per employee ($millions) | 7.3929% | 1,690 |
Cash dividends to net income (ytd only)* | 65.1429% | 795 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4066% | 1,474 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 88.1100% | 67 |
Net loans and leases to deposits | 105.0352% | 263 |
Net loans and leases to core deposits | 111.5795% | 555 |
Total domestic deposits to total assets | 83.8900% | 3,230 |
Equity capital to assets | 11.6020% | 1,051 |
Core capital (leverage) ratio | 11.8309% | 1,359 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $230,456,600 | 2,843 |
Average earning assets | $223,527,000 | 2,783 |
Average equity | $26,324,200 | 2,511 |
Average total loans | $201,807,600 | 2,217 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1118% | 182 |
Cost of funding earning assets | 0.1021% | 4,266 |
Net interest margin | 5.0097% | 116 |
Noninterest income to average assets | 0.2500% | 3,673 |
Noninterest expense to average assets | 2.2038% | 2,924 |
Loan and lease loss provision to assets | 0.2300% | 365 |
Net operating income to assets | 2.6663% | 134 |
Return on assets (ROA) | 2.6663% | 130 |
Pretax return on assets | 2.6663% | 179 |
Return on Equity (ROE) | 23.4400% | 235 |
Retained earnings to average equity (ytd only) | 8.7492% | 1,742 |
Net charge-offs to loans | -0.1143% | 4,527 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 43.1865% | 4,489 |
Assets per employee ($millions) | 6.7932% | 2,099 |
Cash dividends to net income (ytd only)* | 62.6693% | 803 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3892% | 1,649 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 89.1000% | 41 |
Net loans and leases to deposits | 101.5646% | 316 |
Net loans and leases to core deposits | 105.0841% | 611 |
Total domestic deposits to total assets | 87.7200% | 2,512 |
Equity capital to assets | 11.6691% | 947 |
Core capital (leverage) ratio | 11.8759% | 1,278 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $228,927,750 | 2,868 |
Average earning assets | $221,964,000 | 2,812 |
Average equity | $26,043,500 | 2,569 |
Average total loans | $199,402,500 | 2,231 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8868% | 200 |
Cost of funding earning assets | 0.1031% | 4,160 |
Net interest margin | 4.7837% | 133 |
Noninterest income to average assets | 0.2375% | 3,753 |
Noninterest expense to average assets | 2.1477% | 3,009 |
Loan and lease loss provision to assets | 0.2629% | 266 |
Net operating income to assets | 2.4622% | 118 |
Return on assets (ROA) | 2.4622% | 114 |
Pretax return on assets | 2.4622% | 174 |
Return on Equity (ROE) | 21.8332% | 201 |
Retained earnings to average equity (ytd only) | 7.5134% | 1,807 |
Net charge-offs to loans | 0.0153% | 1,452 |
Credit loss provision to net charge-offs | 2,000.0000% | 241 |
Earnings coverage of net charge-offs (x) | 207.3333% | 530 |
Efficiency ratio | 44.0748% | 4,520 |
Assets per employee ($millions) | 6.5801% | 2,257 |
Cash dividends to net income (ytd only)* | 65.5872% | 920 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2701% | 2,324 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 88.1935% | 38 |
Net loans and leases to deposits | 100.4441% | 256 |
Net loans and leases to core deposits | 102.8670% | 557 |
Total domestic deposits to total assets | 87.8036% | 2,655 |
Equity capital to assets | 11.3845% | 1,069 |
Core capital (leverage) ratio | 11.5312% | 1,332 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $228,247,667 | 2,896 |
Average earning assets | $221,168,667 | 2,843 |
Average equity | $25,740,667 | 2,641 |
Average total loans | $196,309,000 | 2,260 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8020% | 203 |
Cost of funding earning assets | 0.1091% | 4,031 |
Net interest margin | 4.6928% | 138 |
Noninterest income to average assets | 0.2148% | 3,869 |
Noninterest expense to average assets | 2.1266% | 3,058 |
Loan and lease loss provision to assets | 0.2641% | 242 |
Net operating income to assets | 2.3660% | 137 |
Return on assets (ROA) | 2.3660% | 135 |
Pretax return on assets | 2.3660% | 214 |
Return on Equity (ROE) | 21.0811% | 196 |
Retained earnings to average equity (ytd only) | 6.9486% | 1,904 |
Net charge-offs to loans | 0.0021% | 1,747 |
Credit loss provision to net charge-offs | 15,000.0000% | 32 |
Earnings coverage of net charge-offs (x) | 1,494.0000% | 47 |
Efficiency ratio | 44.7076% | 4,539 |
Assets per employee ($millions) | 6.7403% | 2,192 |
Cash dividends to net income (ytd only)* | 67.0387% | 907 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3139% | 2,285 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 81.1839% | 192 |
Net loans and leases to deposits | 92.2615% | 422 |
Net loans and leases to core deposits | 94.8117% | 696 |
Total domestic deposits to total assets | 87.9932% | 2,527 |
Equity capital to assets | 11.2239% | 1,222 |
Core capital (leverage) ratio | 11.3241% | 1,345 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $227,219,000 | 2,916 |
Average earning assets | $219,910,000 | 2,866 |
Average equity | $25,501,500 | 2,739 |
Average total loans | $191,600,000 | 2,289 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1856% | 197 |
Cost of funding earning assets | 0.1422% | 4,042 |
Net interest margin | 5.0434% | 132 |
Noninterest income to average assets | 0.2397% | 3,945 |
Noninterest expense to average assets | 2.2698% | 2,881 |
Loan and lease loss provision to assets | 0.2131% | 489 |
Net operating income to assets | 2.6177% | 140 |
Return on assets (ROA) | 2.6177% | 144 |
Pretax return on assets | 2.6177% | 221 |
Return on Equity (ROE) | 23.4117% | 158 |
Retained earnings to average equity (ytd only) | 7.8422% | 1,603 |
Net charge-offs to loans | 0.0973% | 869 |
Credit loss provision to net charge-offs | 252.7174% | 1,163 |
Earnings coverage of net charge-offs (x) | 33.5652% | 1,537 |
Efficiency ratio | 44.5004% | 4,556 |
Assets per employee ($millions) | 7.0396% | 1,901 |
Cash dividends to net income (ytd only)* | 66.5032% | 849 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1959% | 2,902 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 85.3853% | 76 |
Net loans and leases to deposits | 97.1749% | 274 |
Net loans and leases to core deposits | 99.9117% | 542 |
Total domestic deposits to total assets | 87.8677% | 2,116 |
Equity capital to assets | 11.2227% | 1,651 |
Core capital (leverage) ratio | 11.3317% | 1,378 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $218,171,800 | 2,923 |
Average earning assets | $210,274,000 | 2,870 |
Average equity | $24,393,800 | 2,889 |
Average total loans | $189,183,800 | 2,311 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2302% | 213 |
Cost of funding earning assets | 0.1561% | 4,056 |
Net interest margin | 5.0741% | 144 |
Noninterest income to average assets | 0.2434% | 3,938 |
Noninterest expense to average assets | 2.2095% | 3,041 |
Loan and lease loss provision to assets | 0.1941% | 538 |
Net operating income to assets | 2.7264% | 166 |
Return on assets (ROA) | 2.7264% | 167 |
Pretax return on assets | 2.7264% | 245 |
Return on Equity (ROE) | 24.4078% | 193 |
Retained earnings to average equity (ytd only) | 8.9302% | 1,725 |
Net charge-offs to loans | -0.0014% | 3,171 |
Credit loss provision to net charge-offs | -15,750.0000% | 4,233 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.0699% | 4,624 |
Assets per employee ($millions) | 6.8574% | 1,969 |
Cash dividends to net income (ytd only)* | 63.4124% | 756 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1805% | 3,076 |
Loan loss allowance to noncurrent loans | 675.4286% | 1,071 |
Noncurrent assets plus other real estate owned to assets | 0.1547% | 3,085 |
Noncurrent loans to loans | 0.1748% | 3,250 |
Net loans and leases to total assets | 87.4450% | 44 |
Net loans and leases to deposits | 99.2128% | 242 |
Net loans and leases to core deposits | 100.9700% | 555 |
Total domestic deposits to total assets | 88.1388% | 1,754 |
Equity capital to assets | 11.0414% | 1,984 |
Core capital (leverage) ratio | 11.1955% | 1,538 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $216,398,000 | 2,962 |
Average earning assets | $208,400,500 | 2,911 |
Average equity | $24,172,000 | 2,931 |
Average total loans | $187,811,500 | 2,355 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2507% | 240 |
Cost of funding earning assets | 0.1715% | 4,029 |
Net interest margin | 5.0792% | 154 |
Noninterest income to average assets | 0.2393% | 3,970 |
Noninterest expense to average assets | 2.2281% | 2,986 |
Loan and lease loss provision to assets | 0.1830% | 625 |
Net operating income to assets | 2.7189% | 168 |
Return on assets (ROA) | 2.7189% | 171 |
Pretax return on assets | 2.7189% | 255 |
Return on Equity (ROE) | 24.2420% | 221 |
Retained earnings to average equity (ytd only) | 8.9872% | 1,714 |
Net charge-offs to loans | -0.0022% | 3,214 |
Credit loss provision to net charge-offs | -9,750.0000% | 4,047 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.4321% | 4,646 |
Assets per employee ($millions) | 6.6282% | 2,073 |
Cash dividends to net income (ytd only)* | 62.9272% | 845 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1259% | 3,309 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 90.0952% | 18 |
Net loans and leases to deposits | 102.3842% | 213 |
Net loans and leases to core deposits | 103.9849% | 535 |
Total domestic deposits to total assets | 87.9972% | 1,821 |
Equity capital to assets | 11.1739% | 1,854 |
Core capital (leverage) ratio | 11.3072% | 1,419 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $213,099,667 | 2,994 |
Average earning assets | $205,190,000 | 2,942 |
Average equity | $23,900,667 | 2,943 |
Average total loans | $183,666,667 | 2,411 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1895% | 275 |
Cost of funding earning assets | 0.2100% | 3,827 |
Net interest margin | 4.9795% | 192 |
Noninterest income to average assets | 0.2283% | 4,009 |
Noninterest expense to average assets | 2.2046% | 3,095 |
Loan and lease loss provision to assets | 0.1712% | 727 |
Net operating income to assets | 2.6326% | 211 |
Return on assets (ROA) | 2.6326% | 236 |
Pretax return on assets | 2.6326% | 363 |
Return on Equity (ROE) | 23.4274% | 317 |
Retained earnings to average equity (ytd only) | 8.9545% | 1,961 |
Net charge-offs to loans | -0.0045% | 3,355 |
Credit loss provision to net charge-offs | -4,500.0000% | 3,699 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.0182% | 4,577 |
Assets per employee ($millions) | 6.5701% | 2,116 |
Cash dividends to net income (ytd only)* | 61.7775% | 855 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1807% | 3,029 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | 0.0000% | 4,341 |
Net loans and leases to total assets | 82.5688% | 201 |
Net loans and leases to deposits | 93.6767% | 511 |
Net loans and leases to core deposits | 95.3015% | 916 |
Total domestic deposits to total assets | 88.1423% | 1,769 |
Equity capital to assets | 11.0210% | 1,839 |
Core capital (leverage) ratio | 11.3501% | 1,501 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $210,283,500 | 3,004 |
Average earning assets | $201,868,500 | 2,955 |
Average equity | $23,630,500 | 2,954 |
Average total loans | $175,844,500 | 2,469 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7059% | 134 |
Cost of funding earning assets | 0.3636% | 3,797 |
Net interest margin | 5.3423% | 79 |
Noninterest income to average assets | 0.2621% | 3,910 |
Noninterest expense to average assets | 2.4926% | 2,871 |
Loan and lease loss provision to assets | 0.1740% | 2,213 |
Net operating income to assets | 2.7009% | 116 |
Return on assets (ROA) | 2.7009% | 121 |
Pretax return on assets | 2.7009% | 149 |
Return on Equity (ROE) | 22.6725% | 141 |
Retained earnings to average equity (ytd only) | 7.1665% | 1,333 |
Net charge-offs to loans | 0.0036% | 3,239 |
Credit loss provision to net charge-offs | 5,500.0000% | 194 |
Earnings coverage of net charge-offs (x) | 908.6667% | 130 |
Efficiency ratio | 46.4387% | 4,696 |
Assets per employee ($millions) | 6.3673% | 2,029 |
Cash dividends to net income (ytd only)* | 68.3913% | 1,014 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2004% | 2,945 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 82.6894% | 247 |
Net loans and leases to deposits | 94.4448% | 634 |
Net loans and leases to core deposits | 96.5690% | 1,090 |
Total domestic deposits to total assets | 87.5531% | 1,684 |
Equity capital to assets | 11.4678% | 1,908 |
Core capital (leverage) ratio | 11.7102% | 1,363 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0688% | 1,044 |
Memoranda: | ||
Average total assets | $189,640,400 | 3,031 |
Average earning assets | $181,232,000 | 2,989 |
Average equity | $22,591,200 | 2,970 |
Average total loans | $165,368,400 | 2,522 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8666% | 131 |
Cost of funding earning assets | 0.3978% | 3,817 |
Net interest margin | 5.4689% | 79 |
Noninterest income to average assets | 0.2644% | 3,881 |
Noninterest expense to average assets | 2.5181% | 2,782 |
Loan and lease loss provision to assets | 0.1719% | 2,265 |
Net operating income to assets | 2.7947% | 109 |
Return on assets (ROA) | 2.7947% | 114 |
Pretax return on assets | 2.7947% | 139 |
Return on Equity (ROE) | 23.2222% | 147 |
Retained earnings to average equity (ytd only) | 7.2804% | 1,597 |
Net charge-offs to loans | 0.0008% | 3,214 |
Credit loss provision to net charge-offs | 24,000.0000% | 55 |
Earnings coverage of net charge-offs (x) | 4,141.0000% | 13 |
Efficiency ratio | 45.9117% | 4,718 |
Assets per employee ($millions) | 6.1139% | 2,165 |
Cash dividends to net income (ytd only)* | 68.6491% | 865 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1551% | 2,917 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0547% | 4,167 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 85.8167% | 161 |
Net loans and leases to deposits | 98.3274% | 605 |
Net loans and leases to core deposits | 100.4259% | 1,132 |
Total domestic deposits to total assets | 87.2764% | 1,551 |
Equity capital to assets | 11.7412% | 1,850 |
Core capital (leverage) ratio | 11.9091% | 1,378 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0054% | 1,052 |
Memoranda: | ||
Average total assets | $186,112,000 | 3,047 |
Average earning assets | $177,656,250 | 3,006 |
Average equity | $22,397,500 | 2,980 |
Average total loans | $164,078,000 | 2,542 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1478% | 125 |
Cost of funding earning assets | 0.4353% | 3,866 |
Net interest margin | 5.7125% | 79 |
Noninterest income to average assets | 0.2624% | 3,899 |
Noninterest expense to average assets | 2.5736% | 2,758 |
Loan and lease loss provision to assets | 0.1640% | 2,361 |
Net operating income to assets | 2.9770% | 86 |
Return on assets (ROA) | 2.9770% | 94 |
Pretax return on assets | 2.9770% | 120 |
Return on Equity (ROE) | 24.5245% | 119 |
Retained earnings to average equity (ytd only) | 9.1505% | 969 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.0354% | 4,771 |
Assets per employee ($millions) | 5.8171% | 2,355 |
Cash dividends to net income (ytd only)* | 62.6882% | 1,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1471% | 2,792 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,233 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 84.0818% | 246 |
Net loans and leases to deposits | 96.4695% | 758 |
Net loans and leases to core deposits | 98.5643% | 1,366 |
Total domestic deposits to total assets | 87.1590% | 1,558 |
Equity capital to assets | 11.8580% | 1,751 |
Core capital (leverage) ratio | 11.8512% | 1,465 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.3822% | 995 |
Memoranda: | ||
Average total assets | $182,934,333 | 3,050 |
Average earning assets | $174,600,000 | 3,007 |
Average equity | $22,206,333 | 2,987 |
Average total loans | $162,151,333 | 2,546 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9902% | 167 |
Cost of funding earning assets | 0.5041% | 3,924 |
Net interest margin | 5.4861% | 90 |
Noninterest income to average assets | 0.2758% | 3,873 |
Noninterest expense to average assets | 2.6589% | 2,813 |
Loan and lease loss provision to assets | 0.1345% | 2,048 |
Net operating income to assets | 2.7284% | 86 |
Return on assets (ROA) | 2.7284% | 88 |
Pretax return on assets | 2.7284% | 119 |
Return on Equity (ROE) | 22.1999% | 108 |
Retained earnings to average equity (ytd only) | 6.6034% | 1,683 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.1527% | 4,753 |
Assets per employee ($millions) | 5.3724% | 2,250 |
Cash dividends to net income (ytd only)* | 70.2547% | 1,197 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1134% | 3,122 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,280 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 89.3248% | 43 |
Net loans and leases to deposits | 103.3006% | 396 |
Net loans and leases to core deposits | 105.9227% | 1,064 |
Total domestic deposits to total assets | 86.4708% | 1,798 |
Equity capital to assets | 12.4705% | 1,751 |
Core capital (leverage) ratio | 12.2032% | 1,616 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.2609% | 1,108 |
Memoranda: | ||
Average total assets | $178,420,000 | 3,059 |
Average earning assets | $170,612,000 | 3,018 |
Average equity | $21,928,000 | 2,999 |
Average total loans | $161,587,500 | 2,526 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1526% | 181 |
Cost of funding earning assets | 0.5004% | 4,091 |
Net interest margin | 5.6522% | 91 |
Noninterest income to average assets | 0.3207% | 3,770 |
Noninterest expense to average assets | 2.8230% | 2,528 |
Loan and lease loss provision to assets | 0.0681% | 2,648 |
Net operating income to assets | 2.8401% | 91 |
Return on assets (ROA) | 2.8401% | 94 |
Pretax return on assets | 2.8401% | 117 |
Return on Equity (ROE) | 23.7111% | 104 |
Retained earnings to average equity (ytd only) | 6.8044% | 1,481 |
Net charge-offs to loans | 0.0032% | 3,567 |
Credit loss provision to net charge-offs | 2,400.0000% | 161 |
Earnings coverage of net charge-offs (x) | 1,024.8000% | 97 |
Efficiency ratio | 49.2573% | 4,771 |
Assets per employee ($millions) | 4.9875% | 2,616 |
Cash dividends to net income (ytd only)* | 71.3030% | 1,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0569% | 3,181 |
Loan loss allowance to noncurrent loans | 5,941.3793% | 127 |
Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,239 |
Noncurrent loans to loans | 0.0178% | 4,503 |
Net loans and leases to total assets | 89.8385% | 49 |
Net loans and leases to deposits | 103.5606% | 397 |
Net loans and leases to core deposits | 105.6864% | 1,126 |
Total domestic deposits to total assets | 86.7497% | 1,733 |
Equity capital to assets | 12.1119% | 2,068 |
Core capital (leverage) ratio | 12.2096% | 1,647 |
Tier 1 risk-based capital ratio | 16.5315% | 2,206 |
Total risk-based capital ratio | 17.7820% | 2,151 |
Memoranda: | ||
Average total assets | $176,194,000 | 3,054 |
Average earning assets | $168,659,200 | 3,008 |
Average equity | $21,104,000 | 3,030 |
Average total loans | $155,480,200 | 2,566 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2092% | 173 |
Cost of funding earning assets | 0.4916% | 4,177 |
Net interest margin | 5.7176% | 87 |
Noninterest income to average assets | 0.3292% | 3,775 |
Noninterest expense to average assets | 2.7874% | 2,594 |
Loan and lease loss provision to assets | 0.0456% | 2,988 |
Net operating income to assets | 2.9707% | 89 |
Return on assets (ROA) | 2.9707% | 93 |
Pretax return on assets | 2.9707% | 120 |
Return on Equity (ROE) | 24.8729% | 94 |
Retained earnings to average equity (ytd only) | 8.2188% | 1,310 |
Net charge-offs to loans | 0.0026% | 3,337 |
Credit loss provision to net charge-offs | 2,000.0000% | 203 |
Earnings coverage of net charge-offs (x) | 1,322.3000% | 59 |
Efficiency ratio | 48.0283% | 4,853 |
Assets per employee ($millions) | 5.3906% | 2,131 |
Cash dividends to net income (ytd only)* | 66.9567% | 1,047 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0356% | 3,367 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,395 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 89.4424% | 53 |
Net loans and leases to deposits | 103.0599% | 450 |
Net loans and leases to core deposits | 105.3632% | 1,229 |
Total domestic deposits to total assets | 86.7868% | 1,624 |
Equity capital to assets | 12.1435% | 2,153 |
Core capital (leverage) ratio | 12.1291% | 1,770 |
Tier 1 risk-based capital ratio | 16.6964% | 2,186 |
Total risk-based capital ratio | 17.9462% | 2,127 |
Memoranda: | ||
Average total assets | $175,355,000 | 3,098 |
Average earning assets | $167,898,000 | 3,040 |
Average equity | $20,943,250 | 3,068 |
Average total loans | $153,593,250 | 2,609 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1010% | 204 |
Cost of funding earning assets | 0.4705% | 4,243 |
Net interest margin | 5.6305% | 102 |
Noninterest income to average assets | 0.3289% | 3,742 |
Noninterest expense to average assets | 2.8010% | 2,583 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 2.9179% | 92 |
Return on assets (ROA) | 2.9179% | 96 |
Pretax return on assets | 2.9179% | 133 |
Return on Equity (ROE) | 24.5709% | 103 |
Retained earnings to average equity (ytd only) | 8.4445% | 1,226 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.9780% | 4,839 |
Assets per employee ($millions) | 5.2488% | 2,204 |
Cash dividends to net income (ytd only)* | 65.6324% | 1,231 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0268% | 3,465 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,436 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 86.8536% | 160 |
Net loans and leases to deposits | 98.7638% | 768 |
Net loans and leases to core deposits | 100.7685% | 1,651 |
Total domestic deposits to total assets | 87.9406% | 1,129 |
Equity capital to assets | 11.8711% | 2,288 |
Core capital (leverage) ratio | 12.0265% | 1,812 |
Tier 1 risk-based capital ratio | 16.3249% | 2,294 |
Total risk-based capital ratio | 17.5640% | 2,246 |
Memoranda: | ||
Average total assets | $174,510,000 | 3,115 |
Average earning assets | $167,055,330 | 3,063 |
Average equity | $20,723,670 | 3,082 |
Average total loans | $151,199,670 | 2,644 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9821% | 227 |
Cost of funding earning assets | 0.4458% | 4,310 |
Net interest margin | 5.5363% | 113 |
Noninterest income to average assets | 0.3130% | 3,768 |
Noninterest expense to average assets | 2.8354% | 2,459 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 2.7751% | 104 |
Return on assets (ROA) | 2.7751% | 113 |
Pretax return on assets | 2.7751% | 160 |
Return on Equity (ROE) | 23.3641% | 136 |
Retained earnings to average equity (ytd only) | 7.1439% | 1,984 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.5372% | 4,791 |
Assets per employee ($millions) | 5.6615% | 1,830 |
Cash dividends to net income (ytd only)* | 69.4236% | 1,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0516% | 3,400 |
Loan loss allowance to noncurrent loans | 3,421.2766% | 205 |
Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,354 |
Noncurrent loans to loans | 0.0307% | 4,640 |
Net loans and leases to total assets | 86.2109% | 173 |
Net loans and leases to deposits | 97.9378% | 793 |
Net loans and leases to core deposits | 99.6273% | 1,654 |
Total domestic deposits to total assets | 88.0262% | 1,326 |
Equity capital to assets | 11.7807% | 2,169 |
Core capital (leverage) ratio | 11.9099% | 1,822 |
Tier 1 risk-based capital ratio | 16.0339% | 2,424 |
Total risk-based capital ratio | 17.2808% | 2,372 |
Memoranda: | ||
Average total assets | $172,535,500 | 3,163 |
Average earning assets | $165,093,500 | 3,115 |
Average equity | $20,493,000 | 3,115 |
Average total loans | $148,496,500 | 2,709 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7536% | 252 |
Cost of funding earning assets | 0.3886% | 4,055 |
Net interest margin | 5.3650% | 142 |
Noninterest income to average assets | 0.3601% | 3,685 |
Noninterest expense to average assets | 2.8275% | 2,589 |
Loan and lease loss provision to assets | 0.0805% | 2,515 |
Net operating income to assets | 2.5545% | 138 |
Return on assets (ROA) | 2.5545% | 137 |
Pretax return on assets | 2.5545% | 187 |
Return on Equity (ROE) | 21.8991% | 158 |
Retained earnings to average equity (ytd only) | 6.7716% | 1,769 |
Net charge-offs to loans | 0.0368% | 2,665 |
Credit loss provision to net charge-offs | 259.6154% | 1,156 |
Earnings coverage of net charge-offs (x) | 85.0000% | 829 |
Efficiency ratio | 51.7625% | 4,813 |
Assets per employee ($millions) | 5.1383% | 2,339 |
Cash dividends to net income (ytd only)* | 69.0782% | 1,119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1161% | 3,003 |
Loan loss allowance to noncurrent loans | 32,160.0000% | 36 |
Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,471 |
Noncurrent loans to loans | 0.0035% | 4,807 |
Net loans and leases to total assets | 84.0219% | 414 |
Net loans and leases to deposits | 95.7698% | 1,094 |
Net loans and leases to core deposits | 97.4274% | 1,919 |
Total domestic deposits to total assets | 87.7332% | 1,430 |
Equity capital to assets | 11.9778% | 1,914 |
Core capital (leverage) ratio | 11.8268% | 1,852 |
Tier 1 risk-based capital ratio | 16.7944% | 2,136 |
Total risk-based capital ratio | 18.0447% | 2,079 |
Memoranda: | ||
Average total assets | $167,745,800 | 3,191 |
Average earning assets | $159,533,800 | 3,146 |
Average equity | $19,567,000 | 3,129 |
Average total loans | $141,468,800 | 2,750 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6883% | 261 |
Cost of funding earning assets | 0.3887% | 3,946 |
Net interest margin | 5.2996% | 148 |
Noninterest income to average assets | 0.3507% | 3,788 |
Noninterest expense to average assets | 2.8054% | 2,619 |
Loan and lease loss provision to assets | 0.1076% | 1,862 |
Net operating income to assets | 2.4691% | 169 |
Return on assets (ROA) | 2.4691% | 169 |
Pretax return on assets | 2.4691% | 246 |
Return on Equity (ROE) | 21.3121% | 195 |
Retained earnings to average equity (ytd only) | 6.1088% | 2,605 |
Net charge-offs to loans | 0.0492% | 2,123 |
Credit loss provision to net charge-offs | 259.6154% | 1,140 |
Earnings coverage of net charge-offs (x) | 62.1745% | 1,038 |
Efficiency ratio | 52.1250% | 4,799 |
Assets per employee ($millions) | 5.1617% | 2,260 |
Cash dividends to net income (ytd only)* | 71.3363% | 814 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1706% | 2,793 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 79.6982% | 1,064 |
Net loans and leases to deposits | 90.4508% | 1,830 |
Net loans and leases to core deposits | 92.4377% | 2,436 |
Total domestic deposits to total assets | 88.1122% | 1,194 |
Equity capital to assets | 11.6670% | 2,135 |
Core capital (leverage) ratio | 11.4679% | 2,193 |
Tier 1 risk-based capital ratio | 17.9560% | 1,803 |
Total risk-based capital ratio | 19.2083% | 1,759 |
Memoranda: | ||
Average total assets | $167,291,500 | 3,223 |
Average earning assets | $158,825,250 | 3,180 |
Average equity | $19,381,250 | 3,165 |
Average total loans | $140,816,500 | 2,773 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6875% | 240 |
Cost of funding earning assets | 0.3770% | 3,896 |
Net interest margin | 5.3104% | 145 |
Noninterest income to average assets | 0.3416% | 3,895 |
Noninterest expense to average assets | 2.8422% | 2,524 |
Loan and lease loss provision to assets | 0.1083% | 1,812 |
Net operating income to assets | 2.4225% | 170 |
Return on assets (ROA) | 2.4225% | 168 |
Pretax return on assets | 2.4225% | 259 |
Return on Equity (ROE) | 20.9602% | 208 |
Retained earnings to average equity (ytd only) | 5.7656% | 2,689 |
Net charge-offs to loans | 0.0028% | 3,094 |
Credit loss provision to net charge-offs | 4,500.0000% | 87 |
Earnings coverage of net charge-offs (x) | 1,052.0000% | 74 |
Efficiency ratio | 52.8990% | 4,795 |
Assets per employee ($millions) | 5.0367% | 2,371 |
Cash dividends to net income (ytd only)* | 72.4926% | 920 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1233% | 3,131 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 80.5438% | 940 |
Net loans and leases to deposits | 92.5333% | 1,517 |
Net loans and leases to core deposits | 94.3529% | 2,194 |
Total domestic deposits to total assets | 87.0430% | 1,820 |
Equity capital to assets | 11.0839% | 2,557 |
Core capital (leverage) ratio | 11.4632% | 2,099 |
Tier 1 risk-based capital ratio | 16.9462% | 2,122 |
Total risk-based capital ratio | 18.1969% | 2,062 |
Memoranda: | ||
Average total assets | $166,277,000 | 3,250 |
Average earning assets | $157,539,670 | 3,204 |
Average equity | $19,217,330 | 3,200 |
Average total loans | $141,968,000 | 2,773 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6990% | 210 |
Cost of funding earning assets | 0.3528% | 3,966 |
Net interest margin | 5.3462% | 128 |
Noninterest income to average assets | 0.3324% | 3,929 |
Noninterest expense to average assets | 2.9565% | 2,188 |
Loan and lease loss provision to assets | 0.1116% | 1,691 |
Net operating income to assets | 2.3389% | 192 |
Return on assets (ROA) | 2.3389% | 194 |
Pretax return on assets | 2.3389% | 299 |
Return on Equity (ROE) | 19.7938% | 258 |
Retained earnings to average equity (ytd only) | 3.0016% | 3,998 |
Net charge-offs to loans | 0.0028% | 2,636 |
Credit loss provision to net charge-offs | 4,500.0000% | 81 |
Earnings coverage of net charge-offs (x) | 988.0000% | 59 |
Efficiency ratio | 54.6789% | 4,717 |
Assets per employee ($millions) | 4.6795% | 2,886 |
Cash dividends to net income (ytd only)* | 84.8356% | 757 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0994% | 3,387 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 86.1757% | 244 |
Net loans and leases to deposits | 99.8430% | 721 |
Net loans and leases to core deposits | 101.7929% | 1,548 |
Total domestic deposits to total assets | 86.3112% | 2,399 |
Equity capital to assets | 11.6788% | 2,005 |
Core capital (leverage) ratio | 11.9466% | 1,679 |
Tier 1 risk-based capital ratio | 16.4647% | 2,283 |
Total risk-based capital ratio | 17.7162% | 2,234 |
Memoranda: | ||
Average total assets | $161,274,000 | 3,338 |
Average earning assets | $153,080,500 | 3,287 |
Average equity | $19,056,500 | 3,245 |
Average total loans | $141,153,000 | 2,800 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6398% | 214 |
Cost of funding earning assets | 0.1951% | 4,988 |
Net interest margin | 5.4447% | 114 |
Noninterest income to average assets | 0.4430% | 3,350 |
Noninterest expense to average assets | 3.0276% | 2,079 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 2.5439% | 114 |
Return on assets (ROA) | 2.5439% | 112 |
Pretax return on assets | 2.5439% | 167 |
Return on Equity (ROE) | 21.1738% | 159 |
Retained earnings to average equity (ytd only) | 7.0798% | 1,045 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.3409% | 4,925 |
Assets per employee ($millions) | 4.4101% | 3,338 |
Cash dividends to net income (ytd only)* | 66.5635% | 1,438 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0924% | 3,396 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 86.9656% | 193 |
Net loans and leases to deposits | 101.2637% | 637 |
Net loans and leases to core deposits | 103.3690% | 1,456 |
Total domestic deposits to total assets | 85.8803% | 2,497 |
Equity capital to assets | 11.9580% | 1,858 |
Core capital (leverage) ratio | 11.9013% | 1,661 |
Tier 1 risk-based capital ratio | 16.8798% | 2,131 |
Total risk-based capital ratio | 18.1307% | 2,074 |
Memoranda: | ||
Average total assets | $152,366,000 | 3,438 |
Average earning assets | $143,515,000 | 3,406 |
Average equity | $18,305,600 | 3,327 |
Average total loans | $127,100,400 | 2,960 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5863% | 228 |
Cost of funding earning assets | 0.1778% | 5,146 |
Net interest margin | 5.4085% | 119 |
Noninterest income to average assets | 0.4634% | 3,256 |
Noninterest expense to average assets | 2.9652% | 2,202 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 2.5823% | 120 |
Return on assets (ROA) | 2.5823% | 120 |
Pretax return on assets | 2.5823% | 186 |
Return on Equity (ROE) | 21.4672% | 156 |
Retained earnings to average equity (ytd only) | 7.1680% | 1,602 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.4513% | 4,972 |
Assets per employee ($millions) | 4.7158% | 2,813 |
Cash dividends to net income (ytd only)* | 66.6096% | 1,086 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1440% | 3,227 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 82.1883% | 653 |
Net loans and leases to deposits | 93.1821% | 1,400 |
Net loans and leases to core deposits | 94.2484% | 2,254 |
Total domestic deposits to total assets | 88.2018% | 1,259 |
Equity capital to assets | 11.6404% | 2,240 |
Core capital (leverage) ratio | 11.9766% | 1,703 |
Tier 1 risk-based capital ratio | 17.2172% | 2,089 |
Total risk-based capital ratio | 18.4690% | 2,039 |
Memoranda: | ||
Average total assets | $150,766,500 | 3,495 |
Average earning assets | $141,724,500 | 3,452 |
Average equity | $18,135,750 | 3,374 |
Average total loans | $123,976,750 | 3,029 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5942% | 213 |
Cost of funding earning assets | 0.1562% | 5,300 |
Net interest margin | 5.4380% | 112 |
Noninterest income to average assets | 0.4892% | 3,089 |
Noninterest expense to average assets | 2.9991% | 2,110 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 2.5858% | 122 |
Return on assets (ROA) | 2.5858% | 120 |
Pretax return on assets | 2.5858% | 189 |
Return on Equity (ROE) | 21.2476% | 168 |
Retained earnings to average equity (ytd only) | 6.6594% | 1,765 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.7006% | 5,041 |
Assets per employee ($millions) | 4.2391% | 3,541 |
Cash dividends to net income (ytd only)* | 68.6583% | 1,178 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1927% | 3,063 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 82.7826% | 575 |
Net loans and leases to deposits | 94.1876% | 1,243 |
Net loans and leases to core deposits | 94.1876% | 2,134 |
Total domestic deposits to total assets | 87.8911% | 1,513 |
Equity capital to assets | 11.9831% | 1,942 |
Core capital (leverage) ratio | 12.3425% | 1,448 |
Tier 1 risk-based capital ratio | 16.8413% | 2,195 |
Total risk-based capital ratio | 18.0929% | 2,157 |
Memoranda: | ||
Average total assets | $147,576,000 | 3,555 |
Average earning assets | $138,286,330 | 3,519 |
Average equity | $17,959,670 | 3,399 |
Average total loans | $120,867,670 | 3,078 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4728% | 239 |
Cost of funding earning assets | 0.1415% | 5,429 |
Net interest margin | 5.3314% | 129 |
Noninterest income to average assets | 0.4908% | 3,041 |
Noninterest expense to average assets | 3.0112% | 2,137 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 2.4679% | 143 |
Return on assets (ROA) | 2.4679% | 142 |
Pretax return on assets | 2.4679% | 225 |
Return on Equity (ROE) | 20.1169% | 226 |
Retained earnings to average equity (ytd only) | 4.8325% | 2,995 |
Net charge-offs to loans | -0.0034% | 4,086 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9572% | 5,046 |
Assets per employee ($millions) | 4.1828% | 3,692 |
Cash dividends to net income (ytd only)* | 75.9777% | 1,041 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2810% | 2,631 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 80.3264% | 800 |
Net loans and leases to deposits | 91.6821% | 1,360 |
Net loans and leases to core deposits | 91.6821% | 2,198 |
Total domestic deposits to total assets | 87.6140% | 1,934 |
Equity capital to assets | 12.2289% | 1,694 |
Core capital (leverage) ratio | 12.2991% | 1,449 |
Tier 1 risk-based capital ratio | 17.5905% | 2,006 |
Total risk-based capital ratio | 18.8432% | 1,958 |
Memoranda: | ||
Average total assets | $145,060,500 | 3,616 |
Average earning assets | $135,725,000 | 3,591 |
Average equity | $17,796,000 | 3,435 |
Average total loans | $117,373,000 | 3,155 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1883% | 423 |
Cost of funding earning assets | 0.1406% | 5,479 |
Net interest margin | 5.0477% | 230 |
Noninterest income to average assets | 0.3713% | 4,094 |
Noninterest expense to average assets | 2.9275% | 2,576 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 2.1470% | 247 |
Return on assets (ROA) | 2.1470% | 253 |
Pretax return on assets | 2.1470% | 360 |
Return on Equity (ROE) | 18.3824% | 301 |
Retained earnings to average equity (ytd only) | 4.7401% | 2,522 |
Net charge-offs to loans | 0.0036% | 4,134 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 795.0000% | 98 |
Efficiency ratio | 57.6903% | 4,889 |
Assets per employee ($millions) | 4.1063% | 3,776 |
Cash dividends to net income (ytd only)* | 74.2138% | 1,132 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3189% | 2,436 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 79.3880% | 984 |
Net loans and leases to deposits | 90.7607% | 1,599 |
Net loans and leases to core deposits | 90.9561% | 2,412 |
Total domestic deposits to total assets | 87.4696% | 1,895 |
Equity capital to assets | 12.3078% | 1,628 |
Core capital (leverage) ratio | 11.9957% | 1,603 |
Tier 1 risk-based capital ratio | 17.8232% | 1,900 |
Total risk-based capital ratio | 19.0766% | 1,855 |
Memoranda: | ||
Average total assets | $148,111,800 | 3,551 |
Average earning assets | $138,003,600 | 3,519 |
Average equity | $17,299,200 | 3,514 |
Average total loans | $111,323,600 | 3,197 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0998% | 499 |
Cost of funding earning assets | 0.1383% | 5,558 |
Net interest margin | 4.9615% | 276 |
Noninterest income to average assets | 0.3905% | 3,989 |
Noninterest expense to average assets | 2.8398% | 2,872 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 2.1678% | 263 |
Return on assets (ROA) | 2.1678% | 273 |
Pretax return on assets | 2.1678% | 411 |
Return on Equity (ROE) | 18.8038% | 309 |
Retained earnings to average equity (ytd only) | 5.1621% | 2,715 |
Net charge-offs to loans | 0.0012% | 3,909 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 2,432.0226% | 25 |
Efficiency ratio | 56.7095% | 4,994 |
Assets per employee ($millions) | 4.0548% | 3,867 |
Cash dividends to net income (ytd only)* | 72.5474% | 956 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3500% | 2,439 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5252% | 3,355 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 74.4754% | 1,792 |
Net loans and leases to deposits | 84.4423% | 2,437 |
Net loans and leases to core deposits | 84.6149% | 3,067 |
Total domestic deposits to total assets | 88.1969% | 1,300 |
Equity capital to assets | 11.6898% | 2,364 |
Core capital (leverage) ratio | 11.9282% | 1,724 |
Tier 1 risk-based capital ratio | 17.7991% | 1,976 |
Total risk-based capital ratio | 19.0526% | 1,937 |
Memoranda: | ||
Average total assets | $149,209,250 | 3,553 |
Average earning assets | $138,851,500 | 3,531 |
Average equity | $17,201,750 | 3,555 |
Average total loans | $110,248,750 | 3,221 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0584% | 527 |
Cost of funding earning assets | 0.1372% | 5,633 |
Net interest margin | 4.9212% | 306 |
Noninterest income to average assets | 0.4969% | 3,216 |
Noninterest expense to average assets | 2.8925% | 2,702 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 2.1808% | 232 |
Return on assets (ROA) | 2.1808% | 247 |
Pretax return on assets | 2.1808% | 391 |
Return on Equity (ROE) | 19.0056% | 296 |
Retained earnings to average equity (ytd only) | 5.1961% | 2,603 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0143% | 5,024 |
Assets per employee ($millions) | 3.8858% | 4,112 |
Cash dividends to net income (ytd only)* | 72.6601% | 1,103 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3680% | 2,448 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.6149% | 3,170 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 74.6570% | 1,708 |
Net loans and leases to deposits | 84.6860% | 2,386 |
Net loans and leases to core deposits | 84.8614% | 3,000 |
Total domestic deposits to total assets | 88.1574% | 1,348 |
Equity capital to assets | 11.7261% | 2,334 |
Core capital (leverage) ratio | 11.5889% | 1,921 |
Tier 1 risk-based capital ratio | 17.3375% | 2,120 |
Total risk-based capital ratio | 18.5902% | 2,081 |
Memoranda: | ||
Average total assets | $148,936,330 | 3,575 |
Average earning assets | $138,502,330 | 3,553 |
Average equity | $17,089,670 | 3,581 |
Average total loans | $109,244,000 | 3,245 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0314% | 545 |
Cost of funding earning assets | 0.1320% | 5,740 |
Net interest margin | 4.8993% | 313 |
Noninterest income to average assets | 0.4947% | 3,153 |
Noninterest expense to average assets | 2.8855% | 2,751 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 2.1742% | 239 |
Return on assets (ROA) | 2.1742% | 252 |
Pretax return on assets | 2.1742% | 401 |
Return on Equity (ROE) | 19.1553% | 281 |
Retained earnings to average equity (ytd only) | 5.0186% | 2,930 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0296% | 5,089 |
Assets per employee ($millions) | 4.4510% | 3,159 |
Cash dividends to net income (ytd only)* | 73.8007% | 1,113 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4103% | 2,374 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 70.6303% | 2,249 |
Net loans and leases to deposits | 79.7539% | 2,829 |
Net loans and leases to core deposits | 79.9143% | 3,327 |
Total domestic deposits to total assets | 88.5603% | 1,325 |
Equity capital to assets | 11.2897% | 2,639 |
Core capital (leverage) ratio | 11.4799% | 1,988 |
Tier 1 risk-based capital ratio | 18.0396% | 1,972 |
Total risk-based capital ratio | 19.2942% | 1,940 |
Memoranda: | ||
Average total assets | $149,573,500 | 3,590 |
Average earning assets | $139,365,500 | 3,567 |
Average equity | $16,977,000 | 3,592 |
Average total loans | $107,981,500 | 3,277 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9419% | 704 |
Cost of funding earning assets | 0.1357% | 5,782 |
Net interest margin | 4.8062% | 367 |
Noninterest income to average assets | 0.8594% | 1,573 |
Noninterest expense to average assets | 3.2038% | 1,964 |
Loan and lease loss provision to assets | -0.1655% | 5,942 |
Net operating income to assets | 2.3014% | 207 |
Return on assets (ROA) | 2.3014% | 211 |
Pretax return on assets | 2.3014% | 290 |
Return on Equity (ROE) | 21.8292% | 182 |
Retained earnings to average equity (ytd only) | 10.2929% | 424 |
Net charge-offs to loans | 0.0109% | 4,091 |
Credit loss provision to net charge-offs | -2,083.3333% | 5,652 |
Earnings coverage of net charge-offs (x) | 268.8333% | 271 |
Efficiency ratio | 60.0000% | 4,906 |
Assets per employee ($millions) | 4.1059% | 3,749 |
Cash dividends to net income (ytd only)* | 52.8481% | 2,144 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4217% | 2,322 |
Loan loss allowance to noncurrent loans | 667.6856% | 849 |
Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,972 |
Noncurrent loans to loans | 0.2129% | 4,657 |
Net loans and leases to total assets | 71.7239% | 2,101 |
Net loans and leases to deposits | 81.2193% | 2,686 |
Net loans and leases to core deposits | 81.3870% | 3,210 |
Total domestic deposits to total assets | 88.3090% | 1,471 |
Equity capital to assets | 11.4123% | 2,436 |
Core capital (leverage) ratio | 11.4426% | 2,007 |
Tier 1 risk-based capital ratio | 17.8890% | 1,994 |
Total risk-based capital ratio | 19.1434% | 1,948 |
Memoranda: | ||
Average total assets | $151,037,600 | 3,554 |
Average earning assets | $140,796,600 | 3,527 |
Average equity | $15,923,600 | 3,687 |
Average total loans | $110,179,600 | 3,195 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9430% | 695 |
Cost of funding earning assets | 0.1357% | 5,882 |
Net interest margin | 4.8074% | 373 |
Noninterest income to average assets | 0.5462% | 3,070 |
Noninterest expense to average assets | 3.2489% | 1,829 |
Loan and lease loss provision to assets | -0.2195% | 6,111 |
Net operating income to assets | 1.9976% | 366 |
Return on assets (ROA) | 1.9976% | 379 |
Pretax return on assets | 1.9976% | 602 |
Return on Equity (ROE) | 19.3358% | 316 |
Retained earnings to average equity (ytd only) | 7.5473% | 1,424 |
Net charge-offs to loans | 0.0132% | 3,713 |
Credit loss provision to net charge-offs | -2,272.7273% | 5,613 |
Earnings coverage of net charge-offs (x) | 184.0443% | 387 |
Efficiency ratio | 64.6288% | 4,133 |
Assets per employee ($millions) | 4.1803% | 3,564 |
Cash dividends to net income (ytd only)* | 60.9671% | 1,371 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3617% | 2,780 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.8673% | 2,708 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 75.7500% | 1,422 |
Net loans and leases to deposits | 85.3010% | 2,238 |
Net loans and leases to core deposits | 85.4779% | 2,903 |
Total domestic deposits to total assets | 88.8031% | 1,125 |
Equity capital to assets | 11.0185% | 3,006 |
Core capital (leverage) ratio | 10.7104% | 2,811 |
Tier 1 risk-based capital ratio | 16.7246% | 2,469 |
Total risk-based capital ratio | 17.9789% | 2,424 |
Memoranda: | ||
Average total assets | $151,843,500 | 3,575 |
Average earning assets | $141,528,750 | 3,549 |
Average equity | $15,687,250 | 3,766 |
Average total loans | $110,837,750 | 3,211 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8904% | 746 |
Cost of funding earning assets | 0.1358% | 5,946 |
Net interest margin | 4.7546% | 393 |
Noninterest income to average assets | 0.6220% | 2,617 |
Noninterest expense to average assets | 3.4030% | 1,468 |
Loan and lease loss provision to assets | -0.3253% | 6,237 |
Net operating income to assets | 1.9637% | 389 |
Return on assets (ROA) | 1.9637% | 405 |
Pretax return on assets | 1.9637% | 644 |
Return on Equity (ROE) | 19.4175% | 299 |
Retained earnings to average equity (ytd only) | 7.8365% | 1,329 |
Net charge-offs to loans | 0.0181% | 3,333 |
Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
Earnings coverage of net charge-offs (x) | 125.9000% | 502 |
Efficiency ratio | 67.5013% | 3,744 |
Assets per employee ($millions) | 4.2052% | 3,460 |
Cash dividends to net income (ytd only)* | 59.6421% | 1,544 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3645% | 2,913 |
Loan loss allowance to noncurrent loans | 823.1183% | 663 |
Noncurrent assets plus other real estate owned to assets | 0.9351% | 2,665 |
Noncurrent loans to loans | 0.1658% | 5,099 |
Net loans and leases to total assets | 71.1298% | 2,138 |
Net loans and leases to deposits | 79.2809% | 2,873 |
Net loans and leases to core deposits | 79.4334% | 3,449 |
Total domestic deposits to total assets | 89.7187% | 777 |
Equity capital to assets | 10.1849% | 3,821 |
Core capital (leverage) ratio | 10.4184% | 3,066 |
Tier 1 risk-based capital ratio | 16.2687% | 2,724 |
Total risk-based capital ratio | 17.5227% | 2,681 |
Memoranda: | ||
Average total assets | $153,688,330 | 3,568 |
Average earning assets | $142,851,000 | 3,556 |
Average equity | $15,542,670 | 3,806 |
Average total loans | $110,330,670 | 3,245 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9440% | 630 |
Cost of funding earning assets | 0.1355% | 6,031 |
Net interest margin | 4.8085% | 346 |
Noninterest income to average assets | 0.7123% | 2,118 |
Noninterest expense to average assets | 3.8314% | 843 |
Loan and lease loss provision to assets | -0.6547% | 6,365 |
Net operating income to assets | 1.9956% | 342 |
Return on assets (ROA) | 1.9956% | 360 |
Pretax return on assets | 1.9956% | 590 |
Return on Equity (ROE) | 19.8044% | 274 |
Retained earnings to average equity (ytd only) | 8.1089% | 1,528 |
Net charge-offs to loans | -0.0037% | 4,432 |
Credit loss provision to net charge-offs | 25,000.0000% | 8 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0759% | 2,805 |
Assets per employee ($millions) | 3.9848% | 3,994 |
Cash dividends to net income (ytd only)* | 59.0551% | 1,459 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3823% | 3,006 |
Loan loss allowance to noncurrent loans | 833.5135% | 637 |
Noncurrent assets plus other real estate owned to assets | 0.9356% | 2,760 |
Noncurrent loans to loans | 0.1658% | 5,175 |
Net loans and leases to total assets | 70.7902% | 2,021 |
Net loans and leases to deposits | 78.8121% | 2,704 |
Net loans and leases to core deposits | 79.1227% | 3,270 |
Total domestic deposits to total assets | 89.8216% | 831 |
Equity capital to assets | 10.0047% | 4,141 |
Core capital (leverage) ratio | 10.4137% | 3,082 |
Tier 1 risk-based capital ratio | 16.4453% | 2,709 |
Total risk-based capital ratio | 17.6997% | 2,648 |
Memoranda: | ||
Average total assets | $152,736,000 | 3,611 |
Average earning assets | $141,666,500 | 3,596 |
Average equity | $15,390,500 | 3,858 |
Average total loans | $109,394,000 | 3,269 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1267% | 601 |
Cost of funding earning assets | 0.1586% | 6,049 |
Net interest margin | 4.9681% | 323 |
Noninterest income to average assets | 0.8032% | 1,862 |
Noninterest expense to average assets | 3.5020% | 1,473 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.8618% | 419 |
Return on assets (ROA) | 1.8618% | 432 |
Pretax return on assets | 1.8618% | 697 |
Return on Equity (ROE) | 18.0277% | 391 |
Retained earnings to average equity (ytd only) | 8.1523% | 966 |
Net charge-offs to loans | 0.1560% | 2,470 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 16.0424% | 2,040 |
Efficiency ratio | 65.2898% | 4,361 |
Assets per employee ($millions) | 3.4899% | 4,922 |
Cash dividends to net income (ytd only)* | 54.7790% | 2,020 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6702% | 1,864 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.4414% | 1,909 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 70.2642% | 2,195 |
Net loans and leases to deposits | 78.3967% | 2,923 |
Net loans and leases to core deposits | 78.7174% | 3,441 |
Total domestic deposits to total assets | 89.6265% | 915 |
Equity capital to assets | 10.1509% | 3,923 |
Core capital (leverage) ratio | 10.5023% | 2,942 |
Tier 1 risk-based capital ratio | 15.8211% | 3,047 |
Total risk-based capital ratio | 17.0790% | 2,996 |
Memoranda: | ||
Average total assets | $142,174,000 | 3,756 |
Average earning assets | $130,513,000 | 3,757 |
Average equity | $14,683,000 | 3,899 |
Average total loans | $105,786,200 | 3,307 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1533% | 573 |
Cost of funding earning assets | 0.1641% | 6,100 |
Net interest margin | 4.9893% | 304 |
Noninterest income to average assets | 0.9462% | 1,371 |
Noninterest expense to average assets | 3.4920% | 1,476 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 2.0237% | 333 |
Return on assets (ROA) | 2.0237% | 345 |
Pretax return on assets | 2.0237% | 537 |
Return on Equity (ROE) | 19.5061% | 312 |
Retained earnings to average equity (ytd only) | 10.3397% | 624 |
Net charge-offs to loans | 0.2049% | 1,833 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 13.1361% | 2,255 |
Efficiency ratio | 63.3103% | 4,660 |
Assets per employee ($millions) | 3.3002% | 5,237 |
Cash dividends to net income (ytd only)* | 46.9925% | 1,999 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6779% | 2,042 |
Loan loss allowance to noncurrent loans | 7,475.0000% | 99 |
Noncurrent assets plus other real estate owned to assets | 1.8033% | 1,648 |
Noncurrent loans to loans | 0.0224% | 5,934 |
Net loans and leases to total assets | 74.0801% | 1,516 |
Net loans and leases to deposits | 83.0820% | 2,278 |
Net loans and leases to core deposits | 83.4474% | 2,948 |
Total domestic deposits to total assets | 89.1650% | 1,142 |
Equity capital to assets | 10.6906% | 3,317 |
Core capital (leverage) ratio | 10.7536% | 2,756 |
Tier 1 risk-based capital ratio | 15.6634% | 3,235 |
Total risk-based capital ratio | 16.9206% | 3,169 |
Memoranda: | ||
Average total assets | $140,201,250 | 3,824 |
Average earning assets | $128,405,750 | 3,826 |
Average equity | $14,545,500 | 3,944 |
Average total loans | $105,424,500 | 3,347 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0946% | 618 |
Cost of funding earning assets | 0.1660% | 6,154 |
Net interest margin | 4.9286% | 325 |
Noninterest income to average assets | 0.8594% | 1,624 |
Noninterest expense to average assets | 3.5350% | 1,414 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.8334% | 461 |
Return on assets (ROA) | 1.8334% | 476 |
Pretax return on assets | 1.8334% | 790 |
Return on Equity (ROE) | 17.8559% | 473 |
Retained earnings to average equity (ytd only) | 9.4859% | 840 |
Net charge-offs to loans | 0.2726% | 1,453 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 8.9510% | 2,425 |
Efficiency ratio | 65.8485% | 4,387 |
Assets per employee ($millions) | 3.2807% | 5,290 |
Cash dividends to net income (ytd only)* | 46.8750% | 2,062 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6806% | 2,179 |
Loan loss allowance to noncurrent loans | 205.7889% | 2,080 |
Noncurrent assets plus other real estate owned to assets | 2.2386% | 1,344 |
Noncurrent loans to loans | 0.8167% | 3,667 |
Net loans and leases to total assets | 75.1850% | 1,281 |
Net loans and leases to deposits | 84.0578% | 2,034 |
Net loans and leases to core deposits | 84.4278% | 2,694 |
Total domestic deposits to total assets | 89.4444% | 1,122 |
Equity capital to assets | 10.4379% | 3,519 |
Core capital (leverage) ratio | 10.4904% | 2,963 |
Tier 1 risk-based capital ratio | 15.2210% | 3,515 |
Total risk-based capital ratio | 16.4789% | 3,459 |
Memoranda: | ||
Average total assets | $139,631,670 | 3,855 |
Average earning assets | $127,743,330 | 3,856 |
Average equity | $14,337,000 | 3,979 |
Average total loans | $104,925,670 | 3,361 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0049% | 708 |
Cost of funding earning assets | 0.1674% | 6,246 |
Net interest margin | 4.8375% | 360 |
Noninterest income to average assets | 0.4578% | 3,727 |
Noninterest expense to average assets | 3.4209% | 1,646 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.4484% | 901 |
Return on assets (ROA) | 1.4484% | 932 |
Pretax return on assets | 1.4484% | 1,589 |
Return on Equity (ROE) | 14.2261% | 901 |
Retained earnings to average equity (ytd only) | 5.7414% | 2,672 |
Net charge-offs to loans | 0.5452% | 677 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 3.5674% | 2,666 |
Efficiency ratio | 70.2543% | 3,792 |
Assets per employee ($millions) | 3.4071% | 5,139 |
Cash dividends to net income (ytd only)* | 59.6421% | 1,418 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7367% | 2,226 |
Loan loss allowance to noncurrent loans | 141.2451% | 2,772 |
Noncurrent assets plus other real estate owned to assets | 2.9093% | 994 |
Noncurrent loans to loans | 1.2296% | 2,989 |
Net loans and leases to total assets | 73.5130% | 1,345 |
Net loans and leases to deposits | 82.0196% | 2,040 |
Net loans and leases to core deposits | 82.3855% | 2,699 |
Total domestic deposits to total assets | 89.6285% | 1,293 |
Equity capital to assets | 10.1975% | 3,605 |
Core capital (leverage) ratio | 10.4053% | 3,039 |
Tier 1 risk-based capital ratio | 15.6097% | 3,374 |
Total risk-based capital ratio | 16.8651% | 3,335 |
Memoranda: | ||
Average total assets | $138,911,500 | 3,895 |
Average earning assets | $126,676,000 | 3,910 |
Average equity | $14,143,000 | 4,023 |
Average total loans | $103,449,500 | 3,399 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2503% | 578 |
Cost of funding earning assets | 0.2328% | 6,076 |
Net interest margin | 5.0175% | 302 |
Noninterest income to average assets | 0.2823% | 5,336 |
Noninterest expense to average assets | 3.6010% | 1,446 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.2286% | 1,456 |
Return on assets (ROA) | 1.2286% | 1,520 |
Pretax return on assets | 1.2286% | 2,465 |
Return on Equity (ROE) | 12.1618% | 1,370 |
Retained earnings to average equity (ytd only) | 5.1765% | 2,488 |
Net charge-offs to loans | 0.1486% | 3,316 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 10.6710% | 2,331 |
Efficiency ratio | 74.5617% | 3,037 |
Assets per employee ($millions) | 3.3691% | 5,161 |
Cash dividends to net income (ytd only)* | 57.4365% | 1,901 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9103% | 1,762 |
Loan loss allowance to noncurrent loans | 197.3764% | 2,123 |
Noncurrent assets plus other real estate owned to assets | 2.7510% | 1,208 |
Noncurrent loans to loans | 0.9678% | 3,585 |
Net loans and leases to total assets | 72.7109% | 1,558 |
Net loans and leases to deposits | 81.6150% | 2,230 |
Net loans and leases to core deposits | 81.9854% | 2,898 |
Total domestic deposits to total assets | 89.0901% | 1,564 |
Equity capital to assets | 10.1649% | 3,550 |
Core capital (leverage) ratio | 10.1538% | 3,358 |
Tier 1 risk-based capital ratio | 15.0372% | 3,643 |
Total risk-based capital ratio | 16.2963% | 3,582 |
Memoranda: | ||
Average total assets | $134,628,400 | 3,986 |
Average earning assets | $122,013,000 | 4,015 |
Average equity | $13,600,000 | 4,145 |
Average total loans | $104,293,600 | 3,360 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2863% | 544 |
Cost of funding earning assets | 0.2444% | 6,126 |
Net interest margin | 5.0419% | 294 |
Noninterest income to average assets | 0.1535% | 6,268 |
Noninterest expense to average assets | 3.5328% | 1,540 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.1862% | 1,676 |
Return on assets (ROA) | 1.1862% | 1,749 |
Pretax return on assets | 1.1862% | 2,759 |
Return on Equity (ROE) | 11.7617% | 1,553 |
Retained earnings to average equity (ytd only) | 5.3372% | 2,846 |
Net charge-offs to loans | 0.1909% | 2,697 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 7.9332% | 2,700 |
Efficiency ratio | 74.8627% | 2,932 |
Assets per employee ($millions) | 3.3565% | 5,172 |
Cash dividends to net income (ytd only)* | 54.6221% | 1,668 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8948% | 2,020 |
Loan loss allowance to noncurrent loans | 103.4265% | 3,406 |
Noncurrent assets plus other real estate owned to assets | 2.8071% | 1,326 |
Noncurrent loans to loans | 1.8320% | 2,460 |
Net loans and leases to total assets | 73.8190% | 1,314 |
Net loans and leases to deposits | 82.8151% | 2,025 |
Net loans and leases to core deposits | 83.7733% | 2,674 |
Total domestic deposits to total assets | 89.1371% | 1,490 |
Equity capital to assets | 10.0825% | 3,792 |
Core capital (leverage) ratio | 10.2382% | 3,347 |
Tier 1 risk-based capital ratio | 14.8225% | 3,862 |
Total risk-based capital ratio | 16.0803% | 3,815 |
Memoranda: | ||
Average total assets | $133,752,500 | 4,037 |
Average earning assets | $121,114,750 | 4,070 |
Average equity | $13,489,750 | 4,216 |
Average total loans | $104,768,750 | 3,370 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2967% | 531 |
Cost of funding earning assets | 0.2530% | 6,158 |
Net interest margin | 5.0436% | 288 |
Noninterest income to average assets | -0.0317% | 6,831 |
Noninterest expense to average assets | 3.5164% | 1,569 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.9965% | 2,342 |
Return on assets (ROA) | 0.9965% | 2,482 |
Pretax return on assets | 0.9965% | 3,526 |
Return on Equity (ROE) | 9.8793% | 2,245 |
Retained earnings to average equity (ytd only) | 4.6403% | 3,304 |
Net charge-offs to loans | 0.2833% | 2,067 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 4.4295% | 3,134 |
Efficiency ratio | 77.9190% | 2,470 |
Assets per employee ($millions) | 3.4554% | 4,947 |
Cash dividends to net income (ytd only)* | 53.0303% | 1,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8265% | 2,343 |
Loan loss allowance to noncurrent loans | 101.1340% | 3,425 |
Noncurrent assets plus other real estate owned to assets | 2.8984% | 1,411 |
Noncurrent loans to loans | 1.8060% | 2,633 |
Net loans and leases to total assets | 78.2543% | 716 |
Net loans and leases to deposits | 88.3091% | 1,305 |
Net loans and leases to core deposits | 89.9451% | 1,913 |
Total domestic deposits to total assets | 88.6140% | 1,837 |
Equity capital to assets | 10.1253% | 3,760 |
Core capital (leverage) ratio | 10.1863% | 3,254 |
Tier 1 risk-based capital ratio | 14.0313% | 4,400 |
Total risk-based capital ratio | 15.2894% | 4,354 |
Memoranda: | ||
Average total assets | $132,465,000 | 4,089 |
Average earning assets | $119,358,330 | 4,131 |
Average equity | $13,361,330 | 4,266 |
Average total loans | $105,175,670 | 3,379 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2987% | 513 |
Cost of funding earning assets | 0.2570% | 6,238 |
Net interest margin | 5.0417% | 279 |
Noninterest income to average assets | -0.6062% | 6,993 |
Noninterest expense to average assets | 3.5883% | 1,442 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.3473% | 5,366 |
Return on assets (ROA) | 0.3473% | 5,510 |
Pretax return on assets | 0.3473% | 5,730 |
Return on Equity (ROE) | 3.4494% | 5,369 |
Retained earnings to average equity (ytd only) | -7.1410% | 6,483 |
Net charge-offs to loans | 0.3998% | 1,453 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 1.0962% | 3,473 |
Efficiency ratio | 91.1765% | 1,053 |
Assets per employee ($millions) | 3.4324% | 5,131 |
Cash dividends to net income (ytd only)* | 307.0175% | 83 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9164% | 2,258 |
Loan loss allowance to noncurrent loans | 158.2348% | 2,287 |
Noncurrent assets plus other real estate owned to assets | 2.4578% | 1,878 |
Noncurrent loans to loans | 1.2111% | 3,747 |
Net loans and leases to total assets | 76.7753% | 740 |
Net loans and leases to deposits | 86.3595% | 1,314 |
Net loans and leases to core deposits | 87.3615% | 1,973 |
Total domestic deposits to total assets | 88.9020% | 1,737 |
Equity capital to assets | 9.7877% | 4,437 |
Core capital (leverage) ratio | 10.0154% | 3,361 |
Tier 1 risk-based capital ratio | 13.7631% | 4,686 |
Total risk-based capital ratio | 15.0232% | 4,640 |
Memoranda: | ||
Average total assets | $131,316,500 | 4,154 |
Average earning assets | $118,294,000 | 4,189 |
Average equity | $13,219,500 | 4,345 |
Average total loans | $104,054,000 | 3,418 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2619% | 995 |
Cost of funding earning assets | 0.3264% | 6,327 |
Net interest margin | 4.9355% | 423 |
Noninterest income to average assets | 0.3229% | 5,151 |
Noninterest expense to average assets | 3.8107% | 1,234 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.9597% | 2,500 |
Return on assets (ROA) | 1.0181% | 2,474 |
Pretax return on assets | 1.0181% | 3,481 |
Return on Equity (ROE) | 10.4950% | 1,972 |
Retained earnings to average equity (ytd only) | 8.6195% | 937 |
Net charge-offs to loans | 0.3105% | 3,092 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 4.0707% | 3,492 |
Efficiency ratio | 79.8824% | 2,164 |
Assets per employee ($millions) | 3.1408% | 5,760 |
Cash dividends to net income (ytd only)* | 17.8704% | 3,821 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0440% | 1,905 |
Loan loss allowance to noncurrent loans | 132.5800% | 2,628 |
Noncurrent assets plus other real estate owned to assets | 3.8549% | 1,134 |
Noncurrent loans to loans | 1.5417% | 3,301 |
Net loans and leases to total assets | 78.6008% | 608 |
Net loans and leases to deposits | 89.6732% | 1,100 |
Net loans and leases to core deposits | 90.7693% | 1,742 |
Total domestic deposits to total assets | 87.6525% | 2,447 |
Equity capital to assets | 10.3571% | 3,684 |
Core capital (leverage) ratio | 10.0641% | 3,321 |
Tier 1 risk-based capital ratio | 13.9173% | 4,434 |
Total risk-based capital ratio | 15.1890% | 4,391 |
Memoranda: | ||
Average total assets | $131,918,800 | 4,105 |
Average earning assets | $118,874,200 | 4,132 |
Average equity | $12,796,600 | 4,404 |
Average total loans | $100,162,400 | 3,520 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2310% | 1,135 |
Cost of funding earning assets | 0.3372% | 6,432 |
Net interest margin | 4.8938% | 479 |
Noninterest income to average assets | 0.5526% | 3,595 |
Noninterest expense to average assets | 3.6792% | 1,400 |
Loan and lease loss provision to assets | 0.4521% | 1,381 |
Net operating income to assets | 0.8249% | 3,319 |
Return on assets (ROA) | 0.9022% | 3,206 |
Pretax return on assets | 0.9022% | 4,088 |
Return on Equity (ROE) | 9.4562% | 2,613 |
Retained earnings to average equity (ytd only) | 6.9290% | 2,165 |
Net charge-offs to loans | 0.4133% | 2,437 |
Credit loss provision to net charge-offs | 146.1039% | 1,951 |
Earnings coverage of net charge-offs (x) | 4.1266% | 3,393 |
Efficiency ratio | 74.2347% | 2,947 |
Assets per employee ($millions) | 3.2341% | 5,576 |
Cash dividends to net income (ytd only)* | 26.7260% | 2,780 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6143% | 1,067 |
Loan loss allowance to noncurrent loans | 305.1130% | 1,223 |
Noncurrent assets plus other real estate owned to assets | 3.6056% | 1,387 |
Noncurrent loans to loans | 0.8568% | 4,703 |
Net loans and leases to total assets | 72.0852% | 1,538 |
Net loans and leases to deposits | 81.5356% | 2,180 |
Net loans and leases to core deposits | 82.9551% | 2,829 |
Total domestic deposits to total assets | 88.4095% | 1,784 |
Equity capital to assets | 9.7232% | 4,894 |
Core capital (leverage) ratio | 9.5899% | 4,130 |
Tier 1 risk-based capital ratio | 13.7732% | 4,705 |
Total risk-based capital ratio | 15.0400% | 4,651 |
Memoranda: | ||
Average total assets | $132,705,750 | 4,117 |
Average earning assets | $119,412,750 | 4,168 |
Average equity | $12,661,500 | 4,470 |
Average total loans | $99,371,250 | 3,573 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1914% | 1,278 |
Cost of funding earning assets | 0.3533% | 6,496 |
Net interest margin | 4.8381% | 530 |
Noninterest income to average assets | 0.5741% | 3,418 |
Noninterest expense to average assets | 3.7035% | 1,364 |
Loan and lease loss provision to assets | 0.4520% | 1,421 |
Net operating income to assets | 0.7925% | 3,423 |
Return on assets (ROA) | 0.9085% | 3,137 |
Pretax return on assets | 0.9085% | 4,043 |
Return on Equity (ROE) | 9.5833% | 2,538 |
Retained earnings to average equity (ytd only) | 9.5833% | 1,088 |
Net charge-offs to loans | 0.6234% | 1,763 |
Credit loss provision to net charge-offs | 96.4630% | 2,869 |
Earnings coverage of net charge-offs (x) | 2.6559% | 3,678 |
Efficiency ratio | 74.8477% | 2,927 |
Assets per employee ($millions) | 3.3370% | 5,366 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4967% | 1,288 |
Loan loss allowance to noncurrent loans | 290.2527% | 1,235 |
Noncurrent assets plus other real estate owned to assets | 3.7369% | 1,393 |
Noncurrent loans to loans | 0.8602% | 4,786 |
Net loans and leases to total assets | 70.5684% | 1,812 |
Net loans and leases to deposits | 79.6681% | 2,429 |
Net loans and leases to core deposits | 81.0348% | 3,084 |
Total domestic deposits to total assets | 88.5780% | 1,770 |
Equity capital to assets | 9.6202% | 4,888 |
Core capital (leverage) ratio | 9.6957% | 3,843 |
Tier 1 risk-based capital ratio | 13.8447% | 4,559 |
Total risk-based capital ratio | 15.1094% | 4,526 |
Memoranda: | ||
Average total assets | $132,741,000 | 4,145 |
Average earning assets | $120,006,000 | 4,173 |
Average equity | $12,584,330 | 4,483 |
Average total loans | $99,778,000 | 3,580 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2303% | 1,255 |
Cost of funding earning assets | 0.3777% | 6,512 |
Net interest margin | 4.8527% | 506 |
Noninterest income to average assets | 0.5983% | 3,241 |
Noninterest expense to average assets | 3.7561% | 1,288 |
Loan and lease loss provision to assets | 0.4533% | 1,360 |
Net operating income to assets | 0.7766% | 3,498 |
Return on assets (ROA) | 0.7766% | 3,737 |
Pretax return on assets | 0.7766% | 4,505 |
Return on Equity (ROE) | 8.2531% | 3,169 |
Retained earnings to average equity (ytd only) | 8.2531% | 1,880 |
Net charge-offs to loans | 0.1539% | 3,171 |
Credit loss provision to net charge-offs | 384.6154% | 806 |
Earnings coverage of net charge-offs (x) | 10.4359% | 1,759 |
Efficiency ratio | 75.3333% | 2,884 |
Assets per employee ($millions) | 3.1895% | 5,794 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5545% | 1,282 |
Loan loss allowance to noncurrent loans | 89.7909% | 3,346 |
Noncurrent assets plus other real estate owned to assets | 5.1987% | 982 |
Noncurrent loans to loans | 2.8450% | 2,269 |
Net loans and leases to total assets | 72.1306% | 1,381 |
Net loans and leases to deposits | 81.3060% | 2,018 |
Net loans and leases to core deposits | 82.6935% | 2,730 |
Total domestic deposits to total assets | 88.7150% | 1,878 |
Equity capital to assets | 9.3933% | 4,969 |
Core capital (leverage) ratio | 9.5189% | 4,025 |
Tier 1 risk-based capital ratio | 13.3701% | 4,921 |
Total risk-based capital ratio | 14.6380% | 4,899 |
Memoranda: | ||
Average total assets | $132,372,000 | 4,178 |
Average earning assets | $119,687,000 | 4,204 |
Average equity | $12,456,000 | 4,517 |
Average total loans | $101,364,000 | 3,558 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2865% | 1,747 |
Cost of funding earning assets | 0.5398% | 6,385 |
Net interest margin | 4.7467% | 690 |
Noninterest income to average assets | 0.5511% | 3,497 |
Noninterest expense to average assets | 3.5350% | 1,901 |
Loan and lease loss provision to assets | 1.9238% | 328 |
Net operating income to assets | -0.5756% | 6,538 |
Return on assets (ROA) | -0.5460% | 6,563 |
Pretax return on assets | -0.5460% | 6,522 |
Return on Equity (ROE) | -5.5668% | 6,558 |
Retained earnings to average equity (ytd only) | -6.7678% | 6,556 |
Net charge-offs to loans | 1.6091% | 982 |
Credit loss provision to net charge-offs | 152.1383% | 1,846 |
Earnings coverage of net charge-offs (x) | 1.0662% | 4,989 |
Efficiency ratio | 72.3908% | 3,501 |
Assets per employee ($millions) | 3.0416% | 6,003 |
Cash dividends to net income (ytd only)* | -21.5739% | 7,297 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3404% | 1,558 |
Loan loss allowance to noncurrent loans | 33.8170% | 5,952 |
Noncurrent assets plus other real estate owned to assets | 7.1903% | 634 |
Noncurrent loans to loans | 6.9209% | 645 |
Net loans and leases to total assets | 77.3372% | 790 |
Net loans and leases to deposits | 88.0542% | 1,373 |
Net loans and leases to core deposits | 89.6844% | 2,169 |
Total domestic deposits to total assets | 87.8291% | 2,262 |
Equity capital to assets | 9.4268% | 4,991 |
Core capital (leverage) ratio | 8.9938% | 4,799 |
Tier 1 risk-based capital ratio | 12.3681% | 5,562 |
Total risk-based capital ratio | 13.6325% | 5,524 |
Memoranda: | ||
Average total assets | $134,994,000 | 4,074 |
Average earning assets | $123,201,600 | 4,068 |
Average equity | $13,239,200 | 4,293 |
Average total loans | $106,083,200 | 3,473 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2543% | 2,010 |
Cost of funding earning assets | 0.5743% | 6,412 |
Net interest margin | 4.6800% | 797 |
Noninterest income to average assets | 0.5145% | 3,760 |
Noninterest expense to average assets | 3.4370% | 2,104 |
Loan and lease loss provision to assets | 0.9016% | 990 |
Net operating income to assets | 0.4489% | 4,787 |
Return on assets (ROA) | 0.4881% | 4,784 |
Pretax return on assets | 0.4881% | 5,196 |
Return on Equity (ROE) | 4.9305% | 4,557 |
Retained earnings to average equity (ytd only) | 4.1979% | 3,746 |
Net charge-offs to loans | 0.5098% | 2,721 |
Credit loss provision to net charge-offs | 225.4902% | 1,269 |
Earnings coverage of net charge-offs (x) | 3.3774% | 3,464 |
Efficiency ratio | 71.7912% | 3,593 |
Assets per employee ($millions) | 3.2982% | 5,485 |
Cash dividends to net income (ytd only)* | 14.8589% | 3,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9284% | 2,541 |
Loan loss allowance to noncurrent loans | 45.1755% | 5,312 |
Noncurrent assets plus other real estate owned to assets | 4.4690% | 1,345 |
Noncurrent loans to loans | 4.2687% | 1,532 |
Net loans and leases to total assets | 73.3687% | 1,438 |
Net loans and leases to deposits | 83.4768% | 2,097 |
Net loans and leases to core deposits | 85.3397% | 2,867 |
Total domestic deposits to total assets | 87.8912% | 2,095 |
Equity capital to assets | 9.6276% | 4,896 |
Core capital (leverage) ratio | 9.7389% | 3,791 |
Tier 1 risk-based capital ratio | 13.3179% | 4,870 |
Total risk-based capital ratio | 14.5861% | 4,829 |
Memoranda: | ||
Average total assets | $136,045,750 | 4,079 |
Average earning assets | $124,213,000 | 4,080 |
Average equity | $13,466,750 | 4,253 |
Average total loans | $106,711,250 | 3,491 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3200% | 1,822 |
Cost of funding earning assets | 0.6206% | 6,361 |
Net interest margin | 4.6994% | 727 |
Noninterest income to average assets | 0.5726% | 3,317 |
Noninterest expense to average assets | 3.4641% | 2,080 |
Loan and lease loss provision to assets | 1.1482% | 697 |
Net operating income to assets | 0.2625% | 5,507 |
Return on assets (ROA) | 0.3176% | 5,436 |
Pretax return on assets | 0.3176% | 5,628 |
Return on Equity (ROE) | 3.1781% | 5,318 |
Retained earnings to average equity (ytd only) | 3.1781% | 4,248 |
Net charge-offs to loans | 0.5518% | 2,448 |
Credit loss provision to net charge-offs | 261.0169% | 1,166 |
Earnings coverage of net charge-offs (x) | 3.2068% | 3,268 |
Efficiency ratio | 71.0615% | 3,926 |
Assets per employee ($millions) | 3.2825% | 5,460 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9040% | 2,660 |
Loan loss allowance to noncurrent loans | 40.0998% | 5,642 |
Noncurrent assets plus other real estate owned to assets | 5.0579% | 1,207 |
Noncurrent loans to loans | 4.7482% | 1,384 |
Net loans and leases to total assets | 75.0782% | 1,231 |
Net loans and leases to deposits | 86.3506% | 1,739 |
Net loans and leases to core deposits | 87.7302% | 2,677 |
Total domestic deposits to total assets | 86.9457% | 2,772 |
Equity capital to assets | 9.7220% | 4,509 |
Core capital (leverage) ratio | 9.7501% | 3,598 |
Tier 1 risk-based capital ratio | 13.0752% | 4,858 |
Total risk-based capital ratio | 14.3419% | 4,828 |
Memoranda: | ||
Average total assets | $134,120,330 | 4,142 |
Average earning assets | $122,781,000 | 4,133 |
Average equity | $13,404,330 | 4,252 |
Average total loans | $106,915,330 | 3,525 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4029% | 1,546 |
Cost of funding earning assets | 0.6626% | 6,334 |
Net interest margin | 4.7403% | 653 |
Noninterest income to average assets | 0.5384% | 3,590 |
Noninterest expense to average assets | 3.4632% | 2,111 |
Loan and lease loss provision to assets | 0.4537% | 1,942 |
Net operating income to assets | 0.9709% | 2,278 |
Return on assets (ROA) | 1.0828% | 1,949 |
Pretax return on assets | 1.0828% | 2,821 |
Return on Equity (ROE) | 10.6826% | 1,837 |
Retained earnings to average equity (ytd only) | 10.6826% | 955 |
Net charge-offs to loans | 0.3345% | 2,720 |
Credit loss provision to net charge-offs | 166.6667% | 1,724 |
Earnings coverage of net charge-offs (x) | 5.2333% | 2,310 |
Efficiency ratio | 70.8540% | 4,084 |
Assets per employee ($millions) | 3.1600% | 5,817 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5057% | 4,180 |
Loan loss allowance to noncurrent loans | 33.9001% | 6,037 |
Noncurrent assets plus other real estate owned to assets | 4.9624% | 1,269 |
Noncurrent loans to loans | 4.4415% | 1,580 |
Net loans and leases to total assets | 76.7856% | 905 |
Net loans and leases to deposits | 89.6497% | 1,272 |
Net loans and leases to core deposits | 91.3370% | 2,193 |
Total domestic deposits to total assets | 85.6507% | 3,708 |
Equity capital to assets | 9.9837% | 3,795 |
Core capital (leverage) ratio | 10.0373% | 3,099 |
Tier 1 risk-based capital ratio | 13.0739% | 4,770 |
Total risk-based capital ratio | 14.3366% | 4,743 |
Memoranda: | ||
Average total assets | $132,249,000 | 4,203 |
Average earning assets | $121,343,000 | 4,190 |
Average equity | $13,405,000 | 4,241 |
Average total loans | $107,616,000 | 3,547 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1232% | 672 |
Cost of funding earning assets | 0.8827% | 6,229 |
Net interest margin | 5.2405% | 264 |
Noninterest income to average assets | 0.4867% | 4,272 |
Noninterest expense to average assets | 3.7871% | 1,510 |
Loan and lease loss provision to assets | 1.2363% | 1,254 |
Net operating income to assets | 0.1523% | 5,434 |
Return on assets (ROA) | 0.1478% | 5,605 |
Pretax return on assets | 0.1478% | 5,601 |
Return on Equity (ROE) | 1.4150% | 5,579 |
Retained earnings to average equity (ytd only) | -4.8737% | 6,286 |
Net charge-offs to loans | 1.4363% | 1,540 |
Credit loss provision to net charge-offs | 106.7698% | 4,175 |
Earnings coverage of net charge-offs (x) | 1.1992% | 4,911 |
Efficiency ratio | 73.1718% | 3,565 |
Assets per employee ($millions) | 2.9911% | 6,117 |
Cash dividends to net income (ytd only)* | 444.4444% | 45 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4035% | 4,491 |
Loan loss allowance to noncurrent loans | 49.7245% | 5,018 |
Noncurrent assets plus other real estate owned to assets | 3.8611% | 1,775 |
Noncurrent loans to loans | 2.8225% | 2,698 |
Net loans and leases to total assets | 83.7883% | 321 |
Net loans and leases to deposits | 98.2558% | 694 |
Net loans and leases to core deposits | 100.5252% | 1,573 |
Total domestic deposits to total assets | 85.2757% | 3,723 |
Equity capital to assets | 10.2972% | 3,391 |
Core capital (leverage) ratio | 9.7302% | 3,398 |
Tier 1 risk-based capital ratio | 12.3586% | 5,153 |
Total risk-based capital ratio | 13.6188% | 5,111 |
Memoranda: | ||
Average total assets | $133,953,400 | 4,180 |
Average earning assets | $119,855,200 | 4,233 |
Average equity | $13,993,400 | 4,145 |
Average total loans | $107,988,600 | 3,593 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1308% | 718 |
Cost of funding earning assets | 0.9217% | 6,300 |
Net interest margin | 5.2091% | 289 |
Noninterest income to average assets | 0.6899% | 2,879 |
Noninterest expense to average assets | 3.7263% | 1,514 |
Loan and lease loss provision to assets | 0.4435% | 3,256 |
Net operating income to assets | 1.1541% | 1,725 |
Return on assets (ROA) | 1.1767% | 1,748 |
Pretax return on assets | 1.1767% | 2,576 |
Return on Equity (ROE) | 11.2262% | 1,719 |
Retained earnings to average equity (ytd only) | 4.5976% | 3,265 |
Net charge-offs to loans | 0.0966% | 5,565 |
Credit loss provision to net charge-offs | 576.9231% | 502 |
Earnings coverage of net charge-offs (x) | 20.7815% | 1,152 |
Efficiency ratio | 69.9926% | 4,070 |
Assets per employee ($millions) | 3.2374% | 5,598 |
Cash dividends to net income (ytd only)* | 59.0455% | 1,287 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6964% | 3,163 |
Loan loss allowance to noncurrent loans | 27.7077% | 6,471 |
Noncurrent assets plus other real estate owned to assets | 6.3271% | 909 |
Noncurrent loans to loans | 6.1224% | 1,007 |
Net loans and leases to total assets | 76.7561% | 1,270 |
Net loans and leases to deposits | 91.0730% | 1,566 |
Net loans and leases to core deposits | 94.2765% | 2,490 |
Total domestic deposits to total assets | 84.2797% | 3,968 |
Equity capital to assets | 10.6523% | 3,344 |
Core capital (leverage) ratio | 10.4802% | 2,710 |
Tier 1 risk-based capital ratio | 13.2711% | 4,372 |
Total risk-based capital ratio | 14.5347% | 4,331 |
Memoranda: | ||
Average total assets | $135,287,500 | 4,205 |
Average earning assets | $120,351,000 | 4,278 |
Average equity | $14,180,750 | 4,167 |
Average total loans | $107,660,750 | 3,643 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3296% | 484 |
Cost of funding earning assets | 0.9973% | 6,156 |
Net interest margin | 5.3323% | 235 |
Noninterest income to average assets | 0.6619% | 2,945 |
Noninterest expense to average assets | 3.7184% | 1,517 |
Loan and lease loss provision to assets | 0.4442% | 3,098 |
Net operating income to assets | 1.2024% | 1,551 |
Return on assets (ROA) | 1.2380% | 1,521 |
Pretax return on assets | 1.2380% | 2,299 |
Return on Equity (ROE) | 11.8753% | 1,484 |
Retained earnings to average equity (ytd only) | 4.5598% | 3,171 |
Net charge-offs to loans | 0.1442% | 4,787 |
Credit loss provision to net charge-offs | 384.6154% | 943 |
Earnings coverage of net charge-offs (x) | 14.2564% | 1,535 |
Efficiency ratio | 69.3072% | 4,315 |
Assets per employee ($millions) | 3.0689% | 5,999 |
Cash dividends to net income (ytd only)* | 61.6029% | 1,269 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5527% | 3,659 |
Loan loss allowance to noncurrent loans | 65.4243% | 4,068 |
Noncurrent assets plus other real estate owned to assets | 3.6555% | 1,916 |
Noncurrent loans to loans | 2.3733% | 3,290 |
Net loans and leases to total assets | 77.4754% | 1,204 |
Net loans and leases to deposits | 92.6379% | 1,438 |
Net loans and leases to core deposits | 95.7382% | 2,473 |
Total domestic deposits to total assets | 83.6325% | 4,276 |
Equity capital to assets | 10.5643% | 3,331 |
Core capital (leverage) ratio | 10.2514% | 2,891 |
Tier 1 risk-based capital ratio | 13.2055% | 4,286 |
Total risk-based capital ratio | 14.4676% | 4,231 |
Memoranda: | ||
Average total assets | $135,059,670 | 4,239 |
Average earning assets | $119,123,670 | 4,332 |
Average equity | $14,079,670 | 4,185 |
Average total loans | $108,158,670 | 3,677 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3469% | 492 |
Cost of funding earning assets | 0.9971% | 6,393 |
Net interest margin | 5.3498% | 223 |
Noninterest income to average assets | 0.6100% | 3,208 |
Noninterest expense to average assets | 3.7698% | 1,368 |
Loan and lease loss provision to assets | 0.4442% | 2,744 |
Net operating income to assets | 1.2260% | 1,474 |
Return on assets (ROA) | 1.2260% | 1,548 |
Pretax return on assets | 1.2260% | 2,280 |
Return on Equity (ROE) | 11.8396% | 1,536 |
Retained earnings to average equity (ytd only) | 1.8303% | 5,018 |
Net charge-offs to loans | 0.1576% | 3,982 |
Credit loss provision to net charge-offs | 348.8372% | 1,161 |
Earnings coverage of net charge-offs (x) | 13.1163% | 1,520 |
Efficiency ratio | 69.2978% | 4,448 |
Assets per employee ($millions) | 3.1254% | 5,935 |
Cash dividends to net income (ytd only)* | 84.5411% | 754 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3900% | 4,466 |
Loan loss allowance to noncurrent loans | 79.0937% | 3,443 |
Noncurrent assets plus other real estate owned to assets | 3.2425% | 2,210 |
Noncurrent loans to loans | 1.7574% | 4,113 |
Net loans and leases to total assets | 79.2397% | 944 |
Net loans and leases to deposits | 96.4122% | 1,063 |
Net loans and leases to core deposits | 96.4122% | 2,539 |
Total domestic deposits to total assets | 82.1884% | 4,987 |
Equity capital to assets | 10.2096% | 3,595 |
Core capital (leverage) ratio | 10.4095% | 2,709 |
Tier 1 risk-based capital ratio | 12.3397% | 4,874 |
Total risk-based capital ratio | 13.5997% | 4,823 |
Memoranda: | ||
Average total assets | $135,074,500 | 4,300 |
Average earning assets | $121,949,500 | 4,331 |
Average equity | $13,987,000 | 4,249 |
Average total loans | $109,105,500 | 3,703 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6234% | 538 |
Cost of funding earning assets | 1.4349% | 5,782 |
Net interest margin | 5.1885% | 300 |
Noninterest income to average assets | 0.6809% | 3,082 |
Noninterest expense to average assets | 3.7054% | 1,901 |
Loan and lease loss provision to assets | 0.4947% | 3,899 |
Net operating income to assets | 1.1651% | 1,345 |
Return on assets (ROA) | 1.2426% | 1,202 |
Pretax return on assets | 1.2426% | 1,846 |
Return on Equity (ROE) | 12.5280% | 1,049 |
Retained earnings to average equity (ytd only) | 9.0355% | 495 |
Net charge-offs to loans | 0.3193% | 4,651 |
Credit loss provision to net charge-offs | 189.7143% | 2,115 |
Earnings coverage of net charge-offs (x) | 6.3657% | 2,380 |
Efficiency ratio | 69.0641% | 4,815 |
Assets per employee ($millions) | 3.0144% | 6,193 |
Cash dividends to net income (ytd only)* | 27.8777% | 3,414 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3267% | 4,612 |
Loan loss allowance to noncurrent loans | 887.5776% | 400 |
Noncurrent assets plus other real estate owned to assets | 2.5876% | 2,709 |
Noncurrent loans to loans | 0.1495% | 7,059 |
Net loans and leases to total assets | 80.1300% | 971 |
Net loans and leases to deposits | 95.5445% | 1,386 |
Net loans and leases to core deposits | 105.6830% | 3,373 |
Total domestic deposits to total assets | 83.8666% | 4,093 |
Equity capital to assets | 10.5058% | 3,172 |
Core capital (leverage) ratio | 10.3187% | 2,772 |
Tier 1 risk-based capital ratio | 12.5129% | 4,512 |
Total risk-based capital ratio | 13.7638% | 4,460 |
Memoranda: | ||
Average total assets | $134,235,000 | 4,256 |
Average earning assets | $121,191,200 | 4,286 |
Average equity | $13,314,200 | 4,428 |
Average total loans | $109,623,800 | 3,707 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6017% | 612 |
Cost of funding earning assets | 1.5154% | 5,762 |
Net interest margin | 5.0863% | 377 |
Noninterest income to average assets | 0.7081% | 2,963 |
Noninterest expense to average assets | 3.7196% | 1,772 |
Loan and lease loss provision to assets | 0.5387% | 3,234 |
Net operating income to assets | 1.0468% | 1,912 |
Return on assets (ROA) | 1.1497% | 1,656 |
Pretax return on assets | 1.1497% | 2,416 |
Return on Equity (ROE) | 11.7633% | 1,429 |
Retained earnings to average equity (ytd only) | 9.7369% | 684 |
Net charge-offs to loans | 0.3560% | 3,863 |
Credit loss provision to net charge-offs | 185.0340% | 2,462 |
Earnings coverage of net charge-offs (x) | 5.4456% | 2,822 |
Efficiency ratio | 70.1139% | 4,570 |
Assets per employee ($millions) | 2.9279% | 6,334 |
Cash dividends to net income (ytd only)* | 17.2265% | 3,323 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2660% | 4,716 |
Loan loss allowance to noncurrent loans | 210.8192% | 1,406 |
Noncurrent assets plus other real estate owned to assets | 3.0761% | 2,234 |
Noncurrent loans to loans | 0.6005% | 6,105 |
Net loans and leases to total assets | 78.9821% | 1,398 |
Net loans and leases to deposits | 95.1434% | 1,692 |
Net loans and leases to core deposits | 104.9207% | 3,832 |
Total domestic deposits to total assets | 83.0137% | 4,212 |
Equity capital to assets | 10.2231% | 3,822 |
Core capital (leverage) ratio | 10.0978% | 3,178 |
Tier 1 risk-based capital ratio | 12.2457% | 4,752 |
Total risk-based capital ratio | 13.4774% | 4,711 |
Memoranda: | ||
Average total assets | $134,635,750 | 4,265 |
Average earning assets | $121,683,250 | 4,306 |
Average equity | $13,159,250 | 4,499 |
Average total loans | $110,103,000 | 3,732 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6194% | 640 |
Cost of funding earning assets | 1.5965% | 5,761 |
Net interest margin | 5.0229% | 410 |
Noninterest income to average assets | 0.6656% | 3,227 |
Noninterest expense to average assets | 3.7721% | 1,697 |
Loan and lease loss provision to assets | 0.5794% | 2,703 |
Net operating income to assets | 0.8528% | 2,641 |
Return on assets (ROA) | 1.0073% | 2,173 |
Pretax return on assets | 1.0073% | 2,980 |
Return on Equity (ROE) | 10.4662% | 1,859 |
Retained earnings to average equity (ytd only) | 7.3788% | 1,440 |
Net charge-offs to loans | 0.4401% | 3,050 |
Credit loss provision to net charge-offs | 159.8361% | 2,875 |
Earnings coverage of net charge-offs (x) | 3.9508% | 3,264 |
Efficiency ratio | 72.4807% | 4,318 |
Assets per employee ($millions) | 2.8877% | 6,425 |
Cash dividends to net income (ytd only)* | 29.4985% | 2,862 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1433% | 5,313 |
Loan loss allowance to noncurrent loans | 92.7888% | 3,085 |
Noncurrent assets plus other real estate owned to assets | 3.3335% | 1,871 |
Noncurrent loans to loans | 1.2321% | 4,745 |
Net loans and leases to total assets | 82.0838% | 941 |
Net loans and leases to deposits | 98.4293% | 1,461 |
Net loans and leases to core deposits | 109.4662% | 3,436 |
Total domestic deposits to total assets | 83.3937% | 4,070 |
Equity capital to assets | 9.8536% | 4,144 |
Core capital (leverage) ratio | 9.8757% | 3,423 |
Tier 1 risk-based capital ratio | 11.4866% | 5,393 |
Total risk-based capital ratio | 12.5950% | 5,457 |
Memoranda: | ||
Average total assets | $134,619,330 | 4,292 |
Average earning assets | $121,642,000 | 4,326 |
Average equity | $12,956,000 | 4,554 |
Average total loans | $110,890,330 | 3,746 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7104% | 571 |
Cost of funding earning assets | 1.6238% | 5,932 |
Net interest margin | 5.0866% | 335 |
Noninterest income to average assets | 0.5402% | 3,994 |
Noninterest expense to average assets | 3.6543% | 1,743 |
Loan and lease loss provision to assets | 0.5166% | 2,401 |
Net operating income to assets | 0.9741% | 2,426 |
Return on assets (ROA) | 1.1896% | 1,797 |
Pretax return on assets | 1.1896% | 2,664 |
Return on Equity (ROE) | 12.5063% | 1,512 |
Retained earnings to average equity (ytd only) | 12.5063% | 710 |
Net charge-offs to loans | 0.3669% | 2,627 |
Credit loss provision to net charge-offs | 171.5686% | 2,496 |
Earnings coverage of net charge-offs (x) | 4.9510% | 2,786 |
Efficiency ratio | 71.0270% | 4,366 |
Assets per employee ($millions) | 2.8669% | 6,482 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0782% | 5,617 |
Loan loss allowance to noncurrent loans | 120.1417% | 2,606 |
Noncurrent assets plus other real estate owned to assets | 2.6769% | 2,132 |
Noncurrent loans to loans | 0.8974% | 5,207 |
Net loans and leases to total assets | 80.8245% | 1,233 |
Net loans and leases to deposits | 99.7335% | 1,447 |
Net loans and leases to core deposits | 110.3057% | 3,392 |
Total domestic deposits to total assets | 81.0405% | 4,952 |
Equity capital to assets | 9.7436% | 4,315 |
Core capital (leverage) ratio | 9.5610% | 3,913 |
Tier 1 risk-based capital ratio | 11.4193% | 5,487 |
Total risk-based capital ratio | 12.4617% | 5,602 |
Memoranda: | ||
Average total assets | $135,511,500 | 4,298 |
Average earning assets | $122,676,000 | 4,313 |
Average equity | $12,889,500 | 4,607 |
Average total loans | $111,187,000 | 3,762 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1718% | 790 |
Cost of funding earning assets | 1.8950% | 6,740 |
Net interest margin | 5.2768% | 292 |
Noninterest income to average assets | 0.7878% | 2,584 |
Noninterest expense to average assets | 3.9750% | 1,457 |
Loan and lease loss provision to assets | 0.6275% | 2,318 |
Net operating income to assets | 0.9789% | 2,643 |
Return on assets (ROA) | 1.0496% | 2,247 |
Pretax return on assets | 1.0496% | 3,211 |
Return on Equity (ROE) | 11.6295% | 1,704 |
Retained earnings to average equity (ytd only) | 8.2948% | 757 |
Net charge-offs to loans | 0.3846% | 2,899 |
Credit loss provision to net charge-offs | 200.9639% | 2,424 |
Earnings coverage of net charge-offs (x) | 5.1446% | 3,740 |
Efficiency ratio | 71.2187% | 4,082 |
Assets per employee ($millions) | 2.7256% | 6,728 |
Cash dividends to net income (ytd only)* | 28.6738% | 4,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9922% | 6,129 |
Loan loss allowance to noncurrent loans | 70.5957% | 4,525 |
Noncurrent assets plus other real estate owned to assets | 4.2824% | 915 |
Noncurrent loans to loans | 1.4054% | 3,702 |
Net loans and leases to total assets | 81.5730% | 1,307 |
Net loans and leases to deposits | 101.9890% | 1,591 |
Net loans and leases to core deposits | 117.0095% | 3,005 |
Total domestic deposits to total assets | 79.9821% | 5,030 |
Equity capital to assets | 9.2825% | 4,956 |
Core capital (leverage) ratio | 9.0999% | 4,595 |
Tier 1 risk-based capital ratio | 10.5228% | 6,187 |
Total risk-based capital ratio | 11.4530% | 6,379 |
Memoranda: | ||
Average total assets | $132,904,200 | 4,220 |
Average earning assets | $120,736,600 | 4,239 |
Average equity | $11,995,400 | 4,827 |
Average total loans | $107,891,600 | 3,740 |